口譯真題資料

上海市英語中級口譯資格證書第一階段考試(TESTBOOK)SECTIONI:LISTENINGTEST(45minutes)PartA:SpotDictationDirections:Inthispartofthetest,youwillhearapassageandreadthesamepassagewithblanksinit.Fillineachoftheblankswiththewordorwordsyouhaveheardonthetape.WriteyouranswerinthecorrespondingspaceinyouANSWERBOOKLET.RememberyouwillhearthepassageONLYONCE.Whatisagesture?Agestureisamovementofthehandorbodythatexpresses______(1)orintention.Itisanactionthatsendsa______(2)fromonepersontoanother.Tobecomeagesture,anacthastobeseenbysomeoneelseandhasto______(3)somepieceofinformationtothem.Therearesomegestures,however,thathave______(4)dependingonwhenandwheretheyareused.WhenanAmericanwantstosignalthatsomethingisOK,______(5),heraiseshishandandmakesacirclewithhisthumbandforefinger.Thiscircle-signhas______(6)forhim,andhemightbesurprisedto______(7)thatinothercountriesitcanmeansomethingverydifferent.InJapan,forinstance,itisthegestureformoney.______(8),itmeanszeroorworthless.Suchdifferencescan,ofcourse,leadto______(9)whenforeignersmeet,Butwhyisitthatthesamegesturebassomanydifferentmeanings?Whensomepeoplewanttoshowthatsomethingis______(10),theymakeasigntoshowtheyareholding______(11)betweenthetipsoftheirthumbandforefinger.Manypeoplefromallovertheworld______(12)whenemphasizingacertainpointastheyspeak.Theobjecttheyholdis______(13),andtheysimplyperformtheactionofholdingit.Inthisway,they______(14)withthethumbandforefinger.InAmerica,thisunconsciousgesturegrewintoa______(15)meaningexactlyrightorperfect.Thiswashowthe______(16)wasborn.TheJapanesesignformoneycomesfromacompletelydifferentsource.______(17),andcoinsareround.Therefore,makinga______(18)cameto.symbolizemoney.Itisassimpleasthat.TheFrenchsignfornothingorworthlessalso______(19)asimplesource.Thistime,however,thecircledoesnotrepresentacoin,itonlyindicatesnought.Noughtmeansnothing,______(20).PartB:ListeningComprehensionI.StatementsDirections:Inthispartofthetest,youwillhearseveralshortstatements.ThesestatementswillbespokenONLYONCE,andyouwillnotfindthemwrittenonthepaper;soyoumustlistencarefully.Whenyouhearastatement,readtheanswerchoicesanddecidewhichoneisclosestinmeaningtothestatementyouhaveheard.ThenwritetheletteroftheansweryouhavechoseninthecorrespondingspaceinyourANSWERBOOKLET.1. (A)Dorispointedoutwherethekeywas.

(B)Dorisdoesn'twanttobeappointed.

(C)Dorisisusuallyapunctualperson.

(D)Dorisdoesn'tknowshehasanappointment.

2. (A)Eventhoughthecararrivedearly,themeetingbeganlate.

(B)Themeetingwaspostponed,althoughwesetoffearlytoday.

(C)Weleftearlytodayforthemeeting,butweweredelayed.

(D)Westartedourjourneyearly,sowewereearlyforthemeeting.

3. (A)Threeyearslater,thestockmarketcrashed.

(B)Halfofthestocksinthemarketweredevaluedwithinfiveyears.

(C)About50%ofriteproductsweremoreexpensivethantheyhadbeen3

yearsbefore.

(D)Thecountry'sGNPwasreducedbynearly50%inthreeyears.

4. (A)Tonywon'treceiveadditionalpayment,nomatterhowhardheworks.

(B)Tonycouldn'tunderstandwhyhisbossisnotsatisfiedwithhissuccess

(C)Tonyisunabletomeethissalesquotathisyearbecauseoftheextraload

ofwork.

(D)Tonyisconfidentthathisworkwillsavethefirmfrombankruptcy.

5.

(A)EveryoneknewthatJenniferwastheCEO'ssecretaryinDetroit.

(B)Jenniferdidn'tmeetthewell-knownCEOfromtheheadquarters,

(C)TheCEOwasawaytomeetJenniferinourheadquartersinDetroit.

(D)TheDetroitheadquartershaddecidedtoappointJennifertobeaCEO.

6. (A)Themanagerhasrefusedtoseeyouoffattheairport.

(B)Themanagerwillbedealingwithsomethingurgentinprison.

(C)Themanagerwillbeattendingawelcomepartyattheairport.

(D)Themanagerhastocancelherpreviousarrangement.

7. (A)Thedirectortoldthesecretarytofinishthesurveyreportontime.

(B)Thedirectortoldthesecretarytowindtheclockintheoffice.

(C)Thedirectortoldthesecretarytotakethereporthome.

(D)Thedirectortoldthesecretarynottorushforthesurveyreport.

8. (A)Weintendtowithdrawfundonthatproject,foritisnecessarytodoso.

(B)Weshouldproceedwiththeproject,althoughwehavedifficulties.

(C)Wedecidetogiveuptheproject,sothatwecanworkonanewone.

(D)Wehavetorejectthegiftandcontinuetoraisemoneyforthatprojectof

ours.

9. (A)Highproductivitymayhavenegativeeffectsonourownexistence.

(B)Moreandbettergoodsandservicescanraiseourlivingstandards.

(C)Therisingpricesofgoodsandservicesmayleadtothedamageofour

environment.

(D)Weshouldproducehigh-qualitygoodstoprotectournaturalresources.

10. (A)Afterthreeyearsofhardwork,Ihavebeenpromotedtodepartment

head.

(B)Afteryearsofwork,IthinkIneedtotalkwithsomeoneaboutmycareer.

(2) SECTION2:STUDYSKILLS(50minutes)Directions:Inthissection,youwillreadseveralpassages.Eachpassageisfollowedbyseveralquestionsbasedonitscontent.YouaretochooseONEbestanswer,(A),(B),(C)or(D),toeachquestion.AnswerallthequestionsfollowingeachpassageonthebasisofwhatisstatedorimpliedinthatpassageandwritetheletteroftheansweryouhavechoseninthecorrespondingspaceinyourANSWERBOOKLET.Questions1~5Faces,likefingerprints,areunique.Didyoueverwonderhowitispossibleforustorecognizepeople?Evenaskilledwriterprobablycouldnotdescribeallthefeaturesthatmakeonefacedifferentfromanother.Yetaveryyoungchild-orevenananimal,suchasapigeon-canlearntorecognizefaces.Wealltakethisabilityforgranted.Wealsotellpeopleapartbyhowtheybehave.Whenwetalkaboutsomeone'spersonality,wemeanthewaysinwhichheorsheacts,speaks,thinksandfeelsthatmakethatindividualdifferentfromothers.Likethehumanface,humanpersonalityisverycomplex.Butdescribingsomeone'spersonalityinwordsissomewhateasierthandescribinghisface.Ifyouwereaskedtodescribewhata"niceface"lookedlike,youprobablywouldhaveadifficulttimedoingso.Butifyouwereaskedtodescribea"niceperson,"youmightbegintothinkaboutsomeonewhowaskind,considerate,friendly,warm,andsoforth.Therearemanywordstodescribehowapersonthinks,feelsandacts.GordonPorts,anAmericanpsychologist,foundnearly18000Englishwordscharacterizingdifferencesinpeople'sbehavior.Andmanyofususethisinformationasabasisfordescribing,ortyping,hispersonality.Bookworms,conservatives,militarytypes-peoplearedescribedwithsuchterms.Peoplehavealwaystriedto"type"eachother.ActorsinearlyGreekdramaworemaskstoshowtheaudiencewhethertheyplayedthevillain'sorthehero'srole.Infact,thewords"person"and"personality"comefromtheLatinpersona,meaning"mask".Today,mosttelevisionandmovieactorsdonotwearmasks.Butwecaneasilytellthe"goodguys"fromthe"badguys"becausethetwotypesdifferinappearanceaswellasinactions.

1.

Themainideaofthispassageis______.

(A)howtodistinguishpeople'sfaces

(B)howtodescribepeople'spersonality

(C)howtodistinguishpeoplebothinwardlyandoutwardly

(D)howtotellgoodpersonsfrombadpersonswithoutwearingmasks

2.

Theauthorismostprobablya______.

(A)linguist

(B)plasticsurgeon

(C)manager

(D)sociologist

3.

WhichofthefollowingstatementsisNOTtrue?

(A)Peoplemayhavedifferentpersonalities.

(B)Peopledifferfromeachotherinappearance.

(C)Peoplecanlearntorecognizehumanfaces.

(D)Peoplecandescribeallhumanfeaturesofothers.

4.

Thereasonthatitiseasiertodescribeone'spersonalityinwordsthanone's

faceisthat______.

(A)manywordsareavailabletodescribepersonality

(B)aperson'spersonalityiseasilydistinguished

(C)people'spersonalitiesareverymuchalike

(D)aperson'sfaceismorecomplexthanhispersonality

5.

Welearnfromthepassagethatpeopleareclassifiedaccordingto______.

(A)theirwayofwearingmasks

(B)theirwayofspeakingandplaying

(C)theirknowledgeandbehavior

(D)theirphysicalappearanceandpersonalityQuestions6~10:Before,wheneverwehadhealth,westateddiscussingpoverty.Whynonow?Whyisthecurrentpoliticsofwealthandpovertyseeminglyaboutwealthalone?Eightyearsago,whenBillClintonfirstranforpresident,theDowJonesaveragewasunder3,500,yearlyfederalbudgetdeficitswereprojectedathundredsofbillionsofdollarsforeverandbeyond,andnoonetalkedaboutthe"permanentboom"orthe"neweconomy."Yetinthatmorestraitenedtime,Clintonmademuchoftheimportanceof"notleavingasinglepersonbehind."Itispossiblethatsimilar"compassionate"rhetoricmightyetplayaroleinthegeneralelection.Butitisstrikinghowmuchlesstalkthereisaboutthepoorthantherewaseightyearsago,whenthecountrywaseconomicallyuncertain,orinpreviouseras,whenthecountryfeltflush.Evenlastsummer,whenClintonspentseveraldaysonaremarkable,BobbyKennedy-likepilgrimagethroughimpoverishedareasfromIndianreservationsinSouthDakotatoghettoneighborhoodsinEastSt.Louis,theadministrationdecidedtorefertotheeffortnotasapovertytourbutasa"newmarketsinitiative."Whatishappeningispartlyalogical,policy-drivenreaction.Povertyreallyislowerthanithasbeenindecades,especiallyforminoritygroups.Themostattractivesolutiontoit-agrowingeconomy-isbeingapplied.Thepeoplewhohavebeentotallyleftoutofthisboomoftenhavemedical,mentalorotherproblemsforwhichnoonehasanimmediatesolution."Theeconomyhassuckedinanyonewhohasanypreparation,anyabilitytocopewithmodernlife,"saysFranklinD.Raines,theformerdirectoroftheOfficeofManagementandBudgetwhoisnowheadofFannieMae.Whenheandotherpeoplewhospecializeintheissuetalkaboutsolutions,theytalkanalyticallyandlong-term:education,developmentofworkskills,shiftsinthelabormarket,adjustmentinwelfarereform.ButIthinkthereisanotherforcethathasmadethisaricherawithbarelyvisiblepoorpeople.Itistheunusualsocialandimaginativeseparationbetweenprosperous.Americaandthosestillleftout....It'ssimpleinvisibility,becauseofincreasinggeographic,occupation,andsocialbarriersthatblockonegroupfromtheother'sview.6.

Themainideaofthepassageisthat______.

(A)Thecountyisenjoyingeconomicgrowth

(B)Thepoorarebenefitingfromtoday'sgoodeconomy

(C)Weweremoreawareofthepoorthanwearetoday

(D)Thereweremanymorepoorpeopletantherearetoday

7.

Theorganizationalpatternofthefirsttwoparagraphsofthispassageis

______.

(A)orderofimportance

(B)comparisonandcontrast

(C)chronologicalorder

(D)classificationanddivision

8.

Inline6ofthefirstparagraph,thewordstraitenedmeans______.

(A)prosperous

(B)difficult

(C)relaxing

(D)significant

9.

Fromthispassage,wecanconcludethat______.

(A)thestatusquooftherichandthepoorhaschanged

(B)thegoodandprosperouseconomywillsoonend

(C)povertywillberemovedasaresultofincreasedwealth

(D)allpeoplebenefitfromgoodeconomicconditions

10.Accordingtotheauthor,oneimportantreasonthatwedonottalkmuch

aboutpovertyisthat______.

(A)nooneknowswhattodoaboutit

(B)povertyreallyislowerthaninthepast

(C)noonehasbeenleftoutofthecurrentboom

(D)thepresidentisnotconcernedaboutthepoorQuestions11~15:OurvisittotheexcavationofaRomanfortonahillnearCoventrywasofmorethanarchaeologicalinterest.Theyear'sdighadbeenafruitfuloneandhadassembledevidenceofapermanentmilitarycampmuchlargerthanhadatfirstbeenconjectured.Weweregreetedonthesitebyagroupofexcavators,someofthemfillinginatrenchthathadyieldedanalmostcompletepotthedaybefore,othersenjoyingthelast-dayluxuryofacigaretteinthesun,butallhappytoexplainandtalkabouttheirwork.Ifwehadnotalreadyknownit,nothingwouldhavesuggestedthatthiswasapartyofprisonersfromthenearbyprison.Thisisnotthefirsttimethatprisonlabourhasbeenusedinworkofthiskind,butheretheexperiment,nowtwoyearsold,hasprovedoutstandinglysatisfactory.Fromthearchaeologists'pointofview,prisonersprovideasteadyforceofdisciplinedlabourthroughouttheentireseason,mentowhomitisaseriousday'swork,andnottherathercarefreeholidayjobthatittendstobefortheamateurarchaeologist.Newcomersarecomparativelyfew,andcansoonbeinitiatedbythosealreadytrainedinthework.Prisonersmayalsobemoreaccustomedtoheavyworklikeshovellingandcartingsoilthanthemajorityofstudents,andtheyalsoformafaircross-sectionofthepopulationandcanfurnishmenwhosespecialskillsmakethemvaluableassurveyors,draughtsmenofpotteryrestorers.WhenCoventry'sKeeperofArchaeologywenttotheprisontoappealforhelp,hewasreceivedcautiouslybythemen,butwhentheimportanceoftheworkwasfullyunderstood,farmorevolunteerswereforthcomingthencouldactuallybeemployed.Whentheygottoworkonthesite,andtheireffortsproducedpotteryandbuildingfoundationsinwhatuntillastyearhadbeenanordinaryfield,theirenthusiasmgrewtilltheywouldsometimesworkthroughtheirlunchhourandteabreak,andevencarryonintherainratherthansititoutinthehut.Thiswasundoubtedlybecausetheworkwasnotonlystrenuousbutabsorbing,andcalledforconsiderableintelligence.Themenworkedalwaysunderprofessionalsupervision,butastheseasonwentontheyneededlessguidanceandknewwhenanexpertshouldbesummoned.Disciplinaryproblemswerenegligible:themenwerecarefullyselectedfortheirgoodconductandworkingonapartylikethiswastoovaluableaprivilegetobethrownaway.TheKeeperofArchaeologysaidthatthiswasbyfarthemostsatisfactoryformoflabourthathehadeverhad,andthatithadproducedresults,inquantityandquality,thatcouldnothavebeenachievedbyanyothermeans.AturfandtimberfortbuiltneartheRomanhighwaythroughthemiddleofEnglandinthefirstcenturyA.D.hadbeenexcavatedoveranareaof14,000squarefeet,andasectionofturframpartandpalisadefullyreconstructedbymethodsidenticaltothoseemployedbytheRomanarmy.TherestorationoftheRomanfortisbeingfinancedbyCoventryCorporationaspartofaplantocreatealeisureamenityarea.Tothisprojectprisonershavecontributedworkwhichotherwisewouldnothavebeenperformedandwhichbenefitsthewholecommunity.

11.Thevisittotheexcavationsitewas______.

(A)ofpurelyarchaeologicalinterest

(B)fruitfulbecauseacompletepotwasdiscovered

(C)interestinginmorethanoneway

(D)madebyagroupofprisoners

12.Itcanbeassumedthatarchaeologists______.

(A)foundthattheprisonersworkedfarbetterthanstudents

(B)didnotliketheprisoners'carefreeattitudetowork

(C)werewillingtotakeonlyafewprisonerstoworkonthesite

(D)wereoftenforcedtodisciplinetheprisoners

13.Prisonersdemonstratedtheirattitudetoworkby______.

(A)spendingmostoftheirtimesittinginahut

(B)insistingonprofessionalguidance

(C)takingnoinitiative

(D)workingvoluntarily

14.Whenprisonerswereselectedforthework______.

(A)manyofthemrefusedtoco-operate

(B)theirpreviousbehaviourwastakenintoaccount

(C)theyweretoldtheymustworkinallweathers

(D)theywerewarnedthattherewouldbenoprivileges

15.TheKeeperofArchaeologysaidthat______.

(A)hehadexpectedmoreoftheforttoberevealed

(B)thepalisadewasveryprimitive

(C)onlyprisonlabourcouldproducesuchgoodresults

(D)themethodstoconstructtheRomanfortwereprovedidenticalQuestions16~20:FlatswerealmostunknowninBritainuntilthe1850swhentheyweredeveloped,alongwithotherindustrialdwellings,forthelaboringclasses.Thesevastblockswereplainlyaconvenientmeansofeasingsocialconsciencebyhousinglargenumbersoftheever-presentpooroncompactcitysites.Duringthe1880s,however,theideaoflivingincomfortableresidentialchamberscaughtonwiththeaffluentupperanduppermiddleclasses,andcontroversyastotheadvantagesanddisadvantagesofflatlifewasatopicofconversationaroundmanyarespectabledinner-table.InParisandothermajorEuropeancities,thecustomwherebythebetter-offlivedinapartments,orflats,waswellestablished.UptothelatenineteenthcenturyinEnglandonlybachelorbarristershadestablishedthetraditionoflivinginroomsneartheLawCourt:anyself-respectingheadofhouseholdwouldinsistuponaWestEndtownhouseashisLondonhome,thebestthathismeanscouldprovide.Thepopularityofflatsforthebetter-offseemstohavedevelopedforanumberofreasons.First,perhaps,throughtheintroductionoftherailways,whichhadenabledawiderangeofpeopletoenjoyaholidaystayinginasuiteatoneoftheluxuryhotelswhichhadbeguntospringupduringthepreviousdecade.Hence,nodoubt,thefactthatmanyoftheearlyluxuryflatsweresimilartohotelsuites,evenbeingprovidedwithcommunaldining-roomsandcentralboilersforhotwaterandheating.Rentstendedtobehightocoveroverheads,butsavingsweremadepossiblebythesecommunalamenitiesandbytenantsbeingabletoreducethenumberoffamilyservants.OneoftheearliestsubstantialLondondevelopmentsofflatsforthewell-to-dowasbegunsoonafterVictoriaRailwayStationwasopenedin1860,asthetrainserviceprovidedanefficientlinkwithboththeCityandtheSouthofEngland.VictoriaStreet,adjacenttoboththeStationandWestminster,hadalreadybeenformed,andunderthedirectionofthearchitect,HenryAshton,wasbeinglined,withblocksofresidentialchambersintheParisianmanner.Theseflatswerecommodiousindeed,offeringbetweeneightandfifteenroomsapiece,includingappropriatedomesticoffices.TheideawasanemphaticdeparturefromthetraditionoftheLondonhouseandachievedimmediatesuccess.PerhapsthemostnotableblockinthevicinitywasQueenAnne'sMansions,partlydesignedbyE.R.Robsonin1884andrecentlydemolished.Formanyyears,thiswasLondon'sloftiestbuildingandhadstrongclaimstobetheugliest.Theblockwasbegunasawildspeculation,modelledontheAmericanskyscraper,andwasnearly200feethigh.Thecliff-likewallsofdingybrickcompletelyovershadowedthemodestthoroughfarenearby.Althoughbleakoutside,themansionflatswerepalatialwithin,withsumptuouslyfurnishedcommunalentertaininganddiningrooms,andliftstotheuppermostfloors.Thesuccessofthesetallblocksofflatscouldnothavebeenachieved,ofcourse,withouttheinventionofthelift,or'ascendingcarriage'asitwascalledwhenfirstusedintheStrandLawCourtsinthe1870s.

16.Flatsfirst

appeared

in

Britain

in

the

middle

of

the

19th

century

when

______.

(A)theywereprincipallybuiltforthosefamilieswithseveralservants

(B)peoplewerenotconsciousofthecrowdedhousingofthelesswell-to-do

(C)therewasincreasingconcernoveraccommodationforthepoor

(D)peoplebecameconsciousofthesocialneedsoftheruralpopulation

17.Englishupper-middle-classfamiliespreferredto______.

(A)livemainlyoutsideLondon,whereitwashealthierandcheaper

(B)liveneartheirworkingplace

(C)liveintheWestEnd

(D)liveinLondon,butmainlynotintheWestEnd

18.OneeffectoftherailwayscomingtocentralLondonwastostimulatethe

buildingof______

(A)largeandwell-appointedhotels

(B)blocksofself-containedflats

(C)rowsofeleganttownhouses

(D)flatssimilartohotelsuites

19.TheimmediatesuccessoftheflatsinVictoriaStreetcouldbeattributedto

______.

(A)theirFrenchstyleofarchitecture

(B)theirrevolutionarystyleofarchitecture

(C)theeasewithwhichtheycouldbeusedasoffices

(D)theunusualnumberofroomseachflatcontained

20.How

does

the

writer

refer

to

the

interior

and

exterior

of

Queen

Anne's

Mansions?

(A)Theywereelegantlydecoratedbothinsideandoutside.

(B)Theyweregrimfromtheoutsideandhadamodestdecorinside.

(C)Theywereflashyfromthestreetbutnondescriptinside.

(D)Theywereplainoutsidebutwithlavishinteriors.Questions21~25Troubledbythepoorperformanceoftheirinvestments,manypeoplearetakingstepstohalterosionoftheirsavingsandrethinktheirfinancialplans.Theyarenotsurewhattodotomaximizereturnsinlightofstockmarketfluctuations,newtaxlaws,lowinterestratesandskyrocketingrealestatevalues."Onanemotionallevel,peoplearepetrifiedofmakingamistakeandlosingmoremoney,"saysfinancialcounselorDeniseHughes."Thedo-it-yourselfinvestorofthe1990sismorecomfortablenowdoingnothing."Butdoingnothingisn'tbetterthandoingsomethingsmart,especiallyascollege,weddingsandretirementloom.Here'swhatfinancialadvisorsarerecommendingtotheirclients:PlanforfinancialaidMostparentsdon'tsavenearlyenoughforchildren'seducation.Theyassumethatinvestingina529collegeplanisthebestplaceforyoursavings,Whilea529planofferstax-freegrowthandwithdrawalsforcollegecosts—andinsomecasesataxdeduction—collegeslookatthesesavingswhensizingupeligibilityandhowmuchtheywillforkover.ThesamescrutinyisgiventofundssavedinaCoverdellIRAandinanaccountopenedinyourchild'sname.Dosaveaggressivelyforcollegeinataxableaccountinyournameifyourhouseholdincomeisbelow$100,000.Inthiscase,yourchildwilllikelyqualifyforsomefinancialaid.Doinvestina529savingsplanifyourincomeishigherthan$100,000andwilllikelyremainatorabovethatlevelwhenyourchildenterscollege.Inthiscase,the529planisgreatbecauseyouprobablywon'tqualifyforfinancialaidanyway.ExpectupsanddownsStungbythreestraightyearsofstockmarketdeclines,manypeoplehavebeenshiftingtolower-riskinvestments.Butjustastakingtoomuchriskcanhurtyourportfolio'sgrowthrate,socanhidingoutinultra,safeinvestmentspaying1%orless.Doconsiderinvestinginfundsthatyou'llholdontoformorethanayear.Underthenewtaxlaw,long-termcapitalgainsaretaxedatamaximumof15%,downfrom20%.Dolookatstockfundsthatpaydividends.Dividendsonstocksusedtobetaxedatyourpersonalincometaxrate,Underthenewlaw,theyarenowtaxedatnomorethan15%.Investinginthesefundswillnotonlyholddowntaxesbutalsosustainyourportfolio'svalueintoughtimes.ForgethighfeesOverthenexttenyears,achievingthekindofdouble-digitreturnsweexperiencedoverthepast20yearswillbemuchharder,predictsHaroldEvensky,acertifiedfinancialplanner."Inthe1990s,theaveragerateofreturnforaportfolioallocated60%tostocksand40%tobondswas13.2%aftertaxesandtransactionexpenses."Overthecomingdecade,thisrateisexpectedtobecloserto5.5%asthe50-yearhistoricalaveragereturnstotheneighborhoodof8%.Don'tpayunnecessarilyhighinvestmentcostsandfees.Forexample,ifyoucansavehalfapercentagepointonyourfundexpenseratio(thefeethatfundschargeyoueachyeartomanageyourmoney),youraverageinvestmentreturncouldbe6%insteadof5%,hesays.FeatheryournesteggDoestimatehowmuchcashyou'llneedeachyeartosustainyourstandardoflivingwhenyoureachretirementandwithdrawfromyourIRAandyourotherretirementaccounts.Withthisyearlysuminmind,calculatehowbigyournestegghastobetoproducethatincomestream,assumingthatyourportfolio'svalueearnsaconservative5%to6%ayear.

21.WhichofthefollowingisNOTtrueabouttheinvestorsofthe1990s？

(A)Theymightneedprofessionalhelp.

(B)Theyliveacomfortablelifenowwithnothingtodo.

(C)Theyareafraidofmakingwrongdecisionsandlosingmoney.

(D)Theyaretryingtoprotectwhattheymakeandsaveratherthantakingrisks.

22.Accordingtothepassage,a529savingsaccount______.

(A)isthebestchoiceforlow-incomefamilies

(B)offerstax-freegrowthandwithdrawals

(C)worksbestforthosewhoarenotqualifiedforfinancialaid

(D)shouldstartinyourchild'sname

23.Accordingtotheexpert,whichofthefollowingcanhelpyourportfolio'sreturnratetogrow?

(A)Allocating40%ofyourportfoliotostocksand60%tobonds.

(B)Hidingoutinultra-safeinvestmentspaying1%orless.

(C)Investinglongterminfundsthatpaydividends.

(D)Makinghigh-riskandhigh-returninvestments.

24.On

average,

according

to

the

experts,how

much

can

you

expect

of

aninvestmentreturninthenearfuture?

(A)Below1%.

(B)About6%.

(C)Above8%.

(D)Closeto13.2%.

25.WhatdoesIRAmostprobablyreferto?

(A)InvestmentReturnAid.

(B)IndividualRetirementAccount.

(C)IndividualRefundAmount.

(D)InvestmentandRetirementAid.Questions26~30Thinkingabouttheupcomingholidayshasgivenmeaseriouscaseofmixed