王长喜四级考前冲刺试题二.docx

王长喜四级考前冲刺试题二.docx

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王长喜四级考前冲刺试题二

四级考前冲刺试题二

PartIWriting（30minutes）

Directions:

Forthispart,youareallowed30minutestowriteashortessayonthetopicofShouldWeGiveGiftstoTeachersonTeachers’Day?

.Youshouldwriteatleast120wordsaccordingtotheoutlinegivenbelow.

1.有人赞成在教师节给老师送礼

2.有人则表示反对

3.我认为…

ShouldWeGiveGiftstoTeachersonTeachers’Day?

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PartIIReadingComprehension（SkimmingandScanning）（15minutes）

Directions:

Inthispart,youwillhave15minutestogooverthepassagequicklyandanswerthequestionsonAnswerSheet1.Forquestions1-7,choosethebestanswerfromthefourchoicesmarkedA）,B）,C）andD）.Forquestions8-10,completethesentenceswiththeinformationgiveninthepassage.

TakingCareofParentsAlsoMeansTakingCareofFinances

DeniseEgebrechtneededabreak.

Ithadbeenthreeyearssinceher86-year-oldmother,EleanorSchwartz,movedinwithherandherhusbandintheirhomeinJohnsburg,Ill.Mrs.SchwartzhasAlzheimer’sdisease（老年痴呆症）andhastroublemovingaround,soMrs.Egebrechthelpshermotherwithhershowereachday,makessureshe’sfedandtakesheronsmallexcursions（远足）tothemallinaportablewheelchair.Theroutineincludesoccasionallyremindinghermotherofwhatdayitisandwhereshe’sliving.

Mrs.Egebrechtdoesallthiswhilealsoraisingher8-year-olddaughterJaquelineandjugglingafull-timejob.

“Mymomtookcareofmeallofmylife,”saysMrs.Egebrecht.“OfcourseI’mgoingtotakecareofhernow.She’lllivehereaslongasshe’sable.”

Butmoneywasanissue.Foratime,Mrs.Egebrechtwasoutofwork,havinglostherjoblastyear.Althoughherhusbandwasstillemployed,withouthersalaryshefounditincreasinglydifficulttopay$180aweekfortheadultdaycarecenterMrs.Schwartzattendsregularly.

Then,throughtheFamilyAllianceofficeinhertown,Mrs.Egebrechtheardabouta$1,000“respitecare（临时看护）”grantsponsoredbytheAlzheimer’sFoundationofAmerica（AFA）.

Intendedtogiveprimarycaregiversthebreaktheysooftenneed,thegrantmoneymustbeusedtopayfortemporarysubstitutecare,saidCarolSteinberg,executivevicepresidentoftheAlzheimer’sFoundation.Mrs.Egebrechtappliedforandreceivedthegrant,whichmeanthermothercouldcontinuetogototheadultdaycarecenterandMrs.Egebrechthadtimetofindanotherjob,whichshehas.

Mrs.EgebrechtisoneofthegrowingnumbersofAmericansfacingthefinancialsqueezethatcancomefromcaringforelderlyparents.

About30percentofadultchildrenintheUnitedStatescontributefinanciallytotheirparents’care,accordingtothePewResearchCenter.Onaveragethesechildrenpay$2,400ayearoneverythingfromuncoveredmedicalexpensestomakingsuretherefrigeratorisstockedeachweek.Themoneyoftengoestoparentswhodiligentlysavedalltheirlives,butinthefaceoflongerlifespansandchronicillness,thesavingsjustisn’tenough.

Withalloftheoverwhelmingemotionalandmedicalaspectsofcaringforelderlyparents,it’snaturaltoignoretheconsequencesofspendinglargeamountsofmoneyonthem.Butsooftenadultchildrenendupignoringtheirownsavingsandretirementaccountsor,worse,gointodebt,becausethey’retakingcareoftheirparents,saysTimCasserly,alawyerinAlbanywhospecializesinissuesofelderlycare.

Andifyoujeopardize（损害）yourownfinancesnow,youriskputtingyourchildreninthesametoughspotdowntheline.

Onewayoutofthisbind?

Takefulladvantageofthehundredsofgovernmentandnonprofitprogramsandservicesgearedtotheelderlythroughoutthecountry.“There’slotsofhelpoutthere,butalsolotsofreasonswhyfamiliesdon’tuseit,”saidMr.Casserly.

Somepeoplemaythinktheirparentshavetoomuchmoneytoqualifyeventhoughmanyoftheprogramsareavailabletoelderlypeoplewithincomesofmorethan$100,000.Ortheparentsmaybetooproudtoaccepthelp.

What’smore,theseservicescanbedifficultandtime-consumingtofind.Anditcanbeachallengetodealwiththepaperworkandredtape,especiallywhenyou’realreadyoverwhelmedbythedailydemandsoftakingcareofanolderparent.

Tohelpmakethesearchforhelpeasier,hereisexpertadviceandseveralresourcesthatwillhelpyoufindwhatyouneedtotakecareofyouragingparents.

THEFIRSTSTEP

Havethehardtalk.

“SooftenIseeclientswhoareinthemiddleofthissituationbutknowverylittleabouttheirparents’finances,”saidHenniFisher,aBrooklynclinicalsocialworkerwhospecializesingeriatrics（老人病学）.Yourparentsmaybeunwillingorunabletogivedetails.Oryoumaybeuncomfortablebringingupthesubject.

“Itisn’teasymakingthetransitionfromtheonebeingcaredfortotheonegivingthecare,”saidMs.Fisher.

Butyoucan’tputtheconversationoffanylonger.Reassureyourparentsthatyou’renottryingtotakecontrolawayfromthem.You’resimplytryingtomakesurethattheyhaveeverythingtheyneedandthatyouunderstandeverythingtheywant.

Duringthisconversation,orseriesofconversations,besuretoaskaboutoneofthelargestexpensesforolderpeople:

assistedlivingornursinghomefacilities.Doyourparentshavelong-termcareinsurancethatcanhelpwiththisexceptionallygreatexpense?

Iftheydon’t,shouldtheygetit?

（Formoreinformation,seeourpreviousarticle“GettingInsuranceforOne’sFrailestYears.”）

THEDOCUMENTS

You’llalsowanttomakesureyourparentshavetheproperpaperworkinplace.Inanemergency,you’llneedlegalauthoritytoactonyourparentsbehalf.Makesureyourparentshavesignedadurablepowerofattorneyauthorizingyouorsomeothertrustworthypersontotakeoverfinancialdecisions—includingsigningchecksandpayingbills—ontheirbehalf.

Andkeepinmindtheseothernecessarydocuments:

Adurablepowerofattorneyforhealthcare（alsocalledahealthcareproxy）authorizingsomeonetomakemedicaldecisionswhenyourparentscannot;andalivingwilloutliningyourparent’swishesiflifesupportisneeded.

Theseformsmaybeavailableatyourlocalseniorcenter.Or,alawyerwhofocusesonelderlyissuescananswerquestionsandhelpputthispaperworkinplace.Tofindonenearyou,gototheNationalAcademyofElderLawAttorneys（www.naela.org）.（IfyouliveinNewYorkStateyoumayneedalawyer’shelpsortingoutanew12-pagecomplexpowerofattorneyform,advisesMr.Casserly.）

HIRINGANOUTSIDER

Manyfamiliesfindreliefwhentheyhireageriatriccaremanager.Theseconsultants,whichcancostanywherefrom$50to$200anhour,willassessyourparents’situation,offercounselingandhelpyoufindthelocalservicesyouneed.

SovitalarethesenewprofessionalsthatmycolleagueLesleyAldermanwillbedevotingnextweek’sPatientMoneycolumntotipsonfindingtherightcaremanagerforyourparents’situation.

1.Intherecentthreeyears,DeniseEgebrechthasbeenbusy.

A）lookingafterhersickbabydaughterB）helpingherhusbandwiththehousework

C）takingcareofhersickelderlymotherD）lookingforabetterjobtosupportthefamily

2.AccordingtoCarolSteinberg,executivevicepresidentofAFA,Mrs.Egebrechtcanusethegrantto.

A）havealuxuriousholidayB）getdaycareforhermother

C）financeherjob-seekingD）curehermother’sdisease

3.WelearnfromthePewResearchCenterthatonethirdofAmericanadultchildren.

A）haveparentswithnosavingsandpensions

B）ignoretheemotionalneedsoftheirparents

C）can’taffordthedailyandmedicalexpenses

D）spendtheirownmoneyontheirparents’care

4.WhatoftenhappenstoadultchildrentakingcareoftheirparentsaccordingtoTimCasserly?

A）Theydon’tprepareenoughfortheirownfuture.

B）Theyattachgreatimportancetotheirownsavings.

C）Theyinevitablyignoretheirchildren’sneeds.

D）Theybecomeexpertsinissuesofelderlycare.

5.WhatdidMr.CasserlyimplyaboutmanyAmericanfamilies?

A）Theyhavesavedenoughsoastotakecareoftheelderly.

B）Theydon’tturntogovernmentandnonprofitprogramsandservices.

C）Theydon’ttrusttheprogramssupportedbythelocalgovernment.

D）Theyknownothingaboutprojectsandservicesfortheelderly.

6.WhatproblemdomanyadultchildrenhaveaccordingtoHenniFisher?

A）Theyareincapableoftakingovertheirparents’fin