专业英语四级阅读14.docx

1、专业英语四级阅读14专业英语四级阅读-14(总分：100.00，做题时间：90分钟)一、BREADING COMPREHENSION/B(总题数：0，分数：0.00)二、BTEXT A/B(总题数：1，分数：25.00)Ah, youth. The time for body piercings, staying out late and.a portfolio of ultrasecure T-bills?Traditionally, we associate the early years with risky behaviorbut one consequence of the rece

2、ssion appears to be a shift in the way 18-to 34-year-olds handle money. Affluent millennials and 30-somethings say their tolerance for risky investments is much lower than it was a year ago, rivaled only by people over the age of 65, according to a new study by Merrill Lynch Global Wealth Management

3、. It is truly a generational change, says Dave Geschke, an executive at Ameriprise financial. The market got cut in half. Housing got cut in half. People saw their asset classes get blown up.Avoiding risk may feel sensible to a generation whose financial coming-of-age has been bookended by the dotco

4、m bubble and the subprime-mortgage meltdown. In 2010, only 41 percent of 18-to 29-year-olds reported working full time, compared with 50 percent in 2006, according to the Pew Research Center. Millennials were more likely to report losing their jobs than workers over the age of 30, and many recent co

5、llege graduates have had a hard time finding a toehold in a tight labor market, even as the national unemployment rate rose Friday to 9.6 percent. If the 18-to 34-year-olds feel more cautious about investing, its partly because they have less money to spend and little economic security.In response,

6、financial firms have begun tweaking their products. Target-date retirement funds for young investors, managed by mutual-fund giant John Hancock, recently decreased exposure to stocks by 10 to 15 percent. Anecdotally, financial planners say young clients are keeping more cash on hand, and online bank

7、s such as ING Direct have rolled out savings accounts with slightly higher interest rates. Were seeing people try to put bells and whistles on very conservative investments, says David Carter, chief investment officer at Lenox Advisors.But in the long term, is it wise for 18-to 34-year-olds to avoid

8、 stocks, load up on bonds, and keep more cash in their bank accounts? Perhaps not, if they want to live comfortably in retirement. You need the growth potential of stocks, says Christine Benz, director of personal finance for Morningstar: com. Investors cannot expect the same returns from bonds and

9、bond funds.One idiosyncrasy (特质) remains this generations attitude toward money. The Pew Research Centers findings show that 85 percent of adults under 30 feel optimistic about their financial future, compared with 45 percent of the 50-and-up crowd. Three quarters of young adults surveyed by the cen

10、ter say they feel confident they will have enough money to retire. So, while the twin busts may have diminished their appetite for risk now, theres reason to believe young adults faith in the market will eventually return.（分数：25.00）(1).What is the generational change mentioned in the passage? A. 18-

11、to 34-year-olds are experiencing recession. B. 18-to 34-year-olds asset classes are getting blown up. C. 18-to 34-year-olds like risky behaviors more. D. 18-to 34-year-olds tend to avoid risky investments.（分数：5.00）A.B.C.D.解析：事实细节题。第二段中戴夫格施克说“It is truly a generational change”，其中的it指代的就是前面提到的富裕的千禧年一代

12、和30多岁的人对风险投资的接受度比一年前低多了。另外从第三段也可以得知这些人在回避风险投资，故D正确。正在经历经济衰退是导致generational change的原因，不是改变的内容，故A错误。资产缩水也是导致改变的原因，故B错误。原文说这些年轻人在回避风险投资，C项与原文意思相反，故错误。(2).How do financial firms respond to modern young people becoming more cautious about investing? A. They have turned to increase more conservative produ

13、cts. B. They have targeted products of retirement funds for young investors. C. They have focused on publicity to inspire young adults to risky investments. D. They have decreased the interest rates of savings accounts.（分数：5.00）A.B.C.D.解析：推理判断题。第四段开头提到作为回应，金融机构已经开始调整他们的产品，比如减少在股票上的投资比例，网上银行推出高利率的储蓄账

14、户等。另外从最后一句也可以看出人们努力发挥每一项保守投资的价值，故可以判断出金融机构在增加保守投资产品，A正确。(3).In the long run, it may be not wise for 18-to 34-year-olds to avoid stocks if they want a comfortable retirement because A. they will regret not having invested in stocks. B. bonds and bond funds have higher security. C. stocks have greater

15、 growth potential. D. investing in stocks can have higher returns.（分数：5.00）A.B.C.D.解析：事实细节题。第五段提到长期来看，如果18至34岁之间人想要舒适的退休生活，那么他们回避股市也许并不明智，因为他们需要股票增长的潜力，而这是债券和基金所不能比的。由此可以看出回避股市不明智的原因是股市有更大的增长潜力，故C正确。原文没有说这些人将来一定会后悔没有投资股市，A过于绝对，故错误。债券和基金确实具有更高的安全眭，这是人们回避股市的原因，但这与题干要求“人们回避股市不明智的原因”不符，故B错误。原文只是说股票有更大的增

16、长潜力，但不是说一定会有更高的回报，故D错误。(4).What is said about this generations attitude toward money? A. Most young people are pessimistic about their financial future. B. Older people are more optimistic than young adults about their finance. C. The minority of young adults worry about their money for retirement.

17、D. Generally speaking, peoples confidence for investment isnt reduced.（分数：5.00）A.B.C.D.解析：事实细节题。最后一段提到接受调查的年轻人中有四分之三表示，他们相信他们会有足够的钱退休，也就是说只有少部分年轻人会担心退休后钱的问题，故C正确。第二句提到调查结果显示85%的30岁以下的成年人对他们的经济前景感到乐观，而50岁以上的人中如此乐观的只有45%。也就是说大多数年轻人对经济前景感到乐观，而且相比之下年轻人比年长的人更乐观。A、B两项与原文意思相反，故错误。原文说有理由相信年轻人对市场的信心最终会回升的，但不

18、是说人们现在对投资的信心没有减少，D理解错误。(5).Which of the following statements is NOT true? A. Returns from bonds and bond funds may be less than from stocks. B. Young adults are cautious about investing mainly because of the economic insecurity. C. Its perhaps unwise for the young adults to keep more cash in their b

19、ank accounts. D. Young adults are shying away from stock market.（分数：5.00）A.B.C.D.解析：事实细节题。第五段最后一句引用克里斯汀本茨的话“投资者不能期待在债券和基金上获得和股票同样的收益”，可见债券和基金的收益可能比股票少，A表述正确；由第三段尾句知18至34岁之间的人对待投资更谨慎了，原因是他们的收入少了以及经济形势不容乐观，可见经济的不稳定性只是部分原因，不是主要原因，B错误，为答案；由第五段前两句可知，在银行存储更多的现金或许并不明智，即C表述正确；全文都在围绕年轻人回避股市展开，故D表述也正确。三、BTEXT

20、 B/B(总题数：1，分数：30.00)Maybe your youth group has talked about taking everyone to the mountains this winter for their annual ski trip. You cant wait to go. But theres just one little thing: youve never snowboarded before!Well, have no fear. If we were sitting next to each other on the bus ride into the

21、 mountains, heres what Id tell you:If you can, learn when the snow is soft. I know snowboarding on fresh snow isnt always an option, but youre going to be falling like crazy during the first weekend. Since youre desired to fall, the question becomes: Would you rather fall on concrete or a down comfo

22、rter? Theres much of a difference, so try boarding right after a snowstorm.Ride the high-speed detachable lifts. All the big resorts have them: high-speed detachable quad lifts that slow to a crawl just before you drop your seat into the bench. The older double-chair-lifts and triple-chair-lifts are

23、 harder to deal with because they dont slow down when you get on. Its also much easier disembarking from a high-speed detachable quad when you reach the top because the lift slows way down. Youll also frustrate yourself by riding pomas and T-bars, so avoid them as well.You should also beg, borrow or

24、 steal wrist guards and a helmet. Well, dont steal them, but wrist guards should be standard equipment for beginner snowboarders. Most broken bones happen when boarders try to break their fall by sticking their arms out, but this maneuver often results in injuries. And, of course, youve got to prote

25、ct your head.Learn to fall the right way. Since falling is a given, learn to fall in the right way. When you feel yourself starting to lose your balance, get as low as possiblealmost like youre sliding into second base. Let your body absorb the blow. Bend your knees while resisting the urge to stick

26、 out your arms to break your fall. If you can get down the moment you feel yourself losing your balance, youll probably crash without experiencing injury.Get good instruction. I am all for friends teaching their friends, but sometimes its best to leave the instruction to the professionals. Friends m

27、ay be great boarders but horrible instructors, and many cant tell you what youre doing wrong.If you can afford it, take a snowboard class from the local ski school. Snowboard instruction has improved a lot in the last few years. While some people want to figure it out on their own, but I still recom

28、mend a class for the first day or two.Dont get discouraged. You can count on the first day being the worst day. Everyone has a hard time at first, but the good news is that snowboarding has a really fast learning curve, especially compared to skiing and surfing. You should feel tremendous progress b

29、y the end of first day or second day.Well, there you have it. Snowboardings a great sport, and youre going to get hooked. Just be sure to give yourself a few days to adjust to making your board carve those big turns.（分数：30.00）(1).Why should beginners try snowboarding right after a snowstorm? A. Beca

30、use that may prevent them from getting seriously injured. B. Because they will fall on snow just like falling on the concrete. C. Because they can learn how to board faster. D. Because the weather is best for them to learn snowboarding.（分数：5.00）A.B.C.D.解析：推理判断题。根据题干关键词right after a snowstorm，将答案定位于第

31、三段。该段倒数第二句谈到：“既然摔跤是不可避免的，那你是愿意摔在水泥地上还是鸭绒被上?”也就是说，初学者容易摔跤，如果是刚下过雪，地面上的雪很软，摔起来就没有那么疼；由此可知，A正确。新鲜的雪不会让初学者感觉像摔在水泥地上，故B错误；C“初学者会学得更快”文章未提及；D“那样的天气对初学滑雪者最好”说得太笼统，所以不选。(2).Which lift would be better for a beginner? A. Double-chair-lifts. B. T-bars. C. Triple-chair-lifts. D. Quad lifts.（分数：5.00）A.B.C.D.解析：事

32、实细节题。作者在第四段提到了几种吊车，其中他赞成初学者乘坐在上下车时可以减速的高速可拆卸的四座吊车，所以选D。由该段第三句可知，A、C所提到的吊车不能减速，作者不推荐初学者使用；由最后一句可知，B也是作者建议初学者慎选的。(3).The author seems to disapprove that A. beginners must fall down many times during the first week. B. beginners should have standard equipments. C. when you lose your balance, you should protect your h