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Four Insurance Policies You Can' t Do Without
A single gap in insurance coverage could wipe out the money that yon' ve earned for many years through your hard work.That' s why it' s important to give yourself a yearly insurance checkup, whether you buy your policies through an agent or from one of the growing number of insurance companies.
Health.Before selecting a policy from your employer or deciding among Medicare options, review your current health,predictable medical needs, and family status.This review should help you avoid a plan that fails to cover a necessary treatment or paying for services that you know you'll never use.
Disability. Your chances of becoming disabled before you retire are far greater than your chances of dying. So every working person needs some kind of disability coverage. If you are working for an employer who offers less than that, you can buy an individual policy to promote your coverage.
Homeowners or renters. Make sure you have replacement-cost coverage that would pay the current costs of rebuilding your home and replacing your personal possessions. A policy that would only pay for the decrease in value of these items isn' t good enough, because you could end up recovering just a small part of their costs. Don' t forget flood and/or earthquake insurance if you live in a locate that has a possible tendency to these types of disasters.
Life. Empty nesters and retirees may. no longer need life insurance at all. But if you have dependents who would suffer financially if you died, it' s still a must.
65. To have your insurance checkup every year is mainly because _______.
A. the gap in insurance coverage could cost you a large sum
B. the gap in insurance coverage could bring you benefits
C. some insurance agencies cover few of your policies
D. too many insurance companies prefer to sell coverage
66. _______ can be ignored while deciding among Medicare choices.
A. Your necessary treatment.                   B. Your personal health at present.
C. Your social status.                           D. Your predictable medical needs.
67. Which of the following is NOT true according to the passage?
A. Workers needn' t buy personal disability coverage if their bosses offer that
B. Insurance companies can secure the full value of private possessions
C. Earthquake insurance can cover replacement-cost caused by the disaster
D. Divorced or retired people may need life insurance for their dependents
68. We can infer that demand for insurance_______.
A. varies due to individual needs of coverage
B. stays the same whether you are working or not
C. increases when we move to a new place
D. decreases if we have a large family to support

What kind of car will we be driving in 2010? Rather different from the type we know today, with the next 20 years bringing greater change than the past 50．The people who will be designing the models of tomorrow believe that environmental problems may well accelerate the pace of the car’s development. Today they are students on the transport design course at London’s Royal College of Art.
Their vision is of a machine with three wheels instead of four, electrically powered, environmentally clean, and able to drive itself along “intelligent” roads equipped with built-in power supplies. Future cars will pick up their fuel during long journeys from a power source built into the road, or store it in small quantities for travelling in the city.
Instead of today’s seating arrangements—two in front, two or three behind, all facing forward--- the 2010 car will have a versatile interior with adults and children in a family circle.
This view of the future car is based on a much more sophisticated road system, with strips built into motorways to supply power to vehicles passing along them, cars will not need drivers, because computers will provide safe driving control and route finding. All the driver will have to do is say where to go and the computer will do the rest. It will become impossible for cars to crash into one another. The technology already exists for the car to become a true automobile.
71．What kind of car will we be driving in 2010?
A．Three wheeled.                B．Electrically powered.
C．With a versatile seating arrangement   D．All of the above.
72．How long will a volunteer be required to spend?
A．A few hours every day.                B．A couple of hours each day.
C．One or two hours every two weeks.     D．A few days per week.
73．What does the word “versatile” in Paragraph 3 mean?
A．having many different kinds of skill
B．easily able to change from one direction to another
C．easily able to change from one kind of activity to another
D．having many different uses
74．In paragraph 4 “with strips built into motorways to supply power to vehicles passing along them” means “there are many ____”.
A．traffic lights to control the speed of future cars
B．street posts to indicate directions for drivers
C．power sources along the street are able to supply power to automobiles
D．stop marks along the street to stop cars
75．What is the main idea of the passage?
A．Future cars are completely different from the automobiles we know today.
B．The design of future cars will be more sophisticated.
C．Because of the new type of cars, our future environment will become cleaner.
D．The road system will become more sophisticated than it is today.

We can make mistakes at any age. Some mistakes we make are about money. but most mistakes are about people. "Did Jerry really care when I broke up with Helen?" "When I got that great job, did Jim, as a friend, really feel good about it? Or did he envy my luck?" "And was Paul friendly just because I had a car? " When we look back, doubts like these can make us feel bad.
But when we look back, it is too late.
Why do we go wrong about our friends, or our enemies? Sometimes what people say hides their real meanings. And if we do not really listen, we miss the feeling behind the words. Suppose someone tells you, "You're a lucky dog!"(你真幸運!) Is he really on your side? If he says, "You're a lucky guy!", that is being friendly. But "a lucky dog?" There is a bit of envy in those words. What he may be saying is that he does not think you deserve your luck.
"Just think of all the things you have to be thankful for" is another phrase that says one thing and means another. It could mean that the speaker is trying to get you to see your problem. But this phrase contains the thought that your problem is not at all important.
How can you tell the real meaning behind someone's words? One way is to take a good look at the person talking. Do his words fit the way he looks? Is what he says shown by the tone of voice? The look in his eyes? Stop and think. The minute you spend thinking about the real meaning of what people say to you may save your another mistake.
57.When the writer recalls(回想) some of the things that happened between him and his friends, he _______.
A. feels happy, thinking how nice his friends were to him
B. feels he might not have understood his friends' true feelings
C. think it a mistake to have broken up with his girl friend
D. is sorry that his friends let him down
58.When the writer talks about someone saying, "You're a lucky dog!", he is saying that
_____.    
A. the speaker is just friendly
B. this sentence suggests the same as "You're a lucky guy!"
C. the word "dog" should not be used to apply to people
D. sometimes the words show that the speaker is a bit envious
59.This passage tries to tell you how to ______.
A. avoid mistakes about money and friends
B. get an idea of friendly people
C. avoid mistakes in understanding what people tell you
D. keep people friendly without trusting them
60.The writer suggests that ______ be trusted.
A. everybody   B. nobody    C. all the people  D. all the people not

   CHICAGO ---Call it a reward, or just “bribery(賄賂)”.
Whichever it is, many parents today readily admit to buying off their children, who get goodies(好東西) for anything from behaving in a restaurant to sleeping all night in their own beds.
That’s what worries parenting experts.
“I think that reward systems have a time and a place and work really well in certain situations,” says Marcy Safyer, director of the Adelphi University Institute for Parenting.
“But what often gets lost for people is being able to figure out how to communicate to their kids that doing the thing is rewarding enough,” Safyer says.
Parents and experts alike agree that the dynamic(動力) is partly a reflection of the world we live in. It’s unrealistic to think a parent wouldn’t reward their children with material things sometimes, says Robin Lanzi, a clinical psychologist and mother of four who’s the research director at the Center on Health and Education at Georgetown University.
“But you want to make sure that they match the behavior, so it’s not something huge for something small,” Lanzi says.
She recalls hearing about a father who offered his child a Nintendo Wii game system for scoring a couple goals in a soccer game.
Elizabeth Powell, a mother of two young daughters in Austin, Texas, knows what she means.
“You want to raise them in a way that they’re respectful and appreciate things,” Powell says of her children. “But sometimes, you wonder now if kids appreciate even a new pair of shoes. ”
【小題1】Parenting experts are worried that ____ .

III 閱讀理解（共25小題；每小題2分，滿分50分）
閱讀下列短文，從每題所給的A、B、C和D項中，選出最佳選項，并在答題卡上將該項涂黑。                                 
It doesn't matter when or how much a person sleeps, but everyone needs some rest to stay alive. That's what all doctors thought, until they heard about Al Herpin. Al Herpin, it was said, never slept. Could this be true? The doctors decided to see this strange man themselves.
Al Herpin was 90 years old when the doctors came to his home in New Jersey. They thought for sure that he got some sleep of some kind. So they stayed with him and watched every movement he made. But they were surprised. Though they watched him hour after hour and day after day, they never saw Herpin sleeping. In fact, he did not even own a bed. He never needed one.
The only rest that Herpin sometimes got was sitting in a comfortable chair and reading newspapers. The doctors were puzzled by this strange continuous sleeplessness. They asked him many questions, hoping to find an answer. They found only one answer that might explain his condition. Herpin remembered some talk about his mother having been injured several days before he was born. But that was all. Was this the real reason? No one could be sure.
Al Herpin died at the age of 95. 
41.The main idea of this passage is that _______
A. everyone needs some sleep to stay alive
B. people can live longer by trying not to sleep
C. large numbers of people do not need sleep
D. a person was found who actually didn't need any sleep
42.The doctors came to visit Herpin, expecting ______
A. to find out whether his sleeplessness was really true
B. to find out why some old people didn't need any sleep
C. to find a way to free people from the need of sleeping
D. to cure him of his sleeplessness
43. After watching him closely, the doctors came to believe that Al Herpin ____
A. needed no sleep at all                    B. needed some kind of sleep   
C . was too old to need any sleep       D .often slept in a chair
44.One reason that might explain Herpin' s sleeplessness was ______
A. his mother's injury before he was born
B. his magnificent physical condition
C. that he had gradually got rid of the sleeping habit
D. that he hadn't got a bed
45.Al Herpin' s condition could be regarded as ______
A. a common one     B. very healthy      C. one that could be cured    D. a rare one

Diamonds may be forever. But what’s a girl to do when she gets dumped (失戀) or divorced (離婚) and those rings, necklace and love gifts lose their emotional (情感) sense?
Help is just a click away on new Web sites that provide an outlet for selling jewelry(珠寶) from past relationships, sharing break-up stories and helping broken hearts heal (愈合).
“You go through a divorce. What do you do with that ring? Maybe you have a child you can pass it on to. Maybe you don’t. It just sits there, ” said Megahn Perry, who with her stepmother (繼母) Marie Perry runs www.exboyfriendjewelry.com.
Three months after its start with the slogan(口號) “You Don’t Want It. He Can’t Have It Back,” the web site has 3,000 registered users and more than 600 postings of rings, bracelets and earrings for sale—all with a personal tale attached.
As one woman posting a diamond ring for $3,500 wrote:
“Beautiful ring came with a wrong man. Decided to sell to regain the money that I spent finishing payments on the ring that my ex didn’t.”
The idea was born when Megahn Perry, a Los Angeles actress and writer, was looking for a safe place to sell a wedding set after a divorce and realized others might have former boyfriends’ jewelry with memories(記憶) that make them too painful to wear.
The local pawn shop(當(dāng)鋪) proved an unattractive choice. So she teamed up with her stepmother Marie, researched the market and found a gap in it.
【小題1】 The passage is mainly about _____.

I realized that I was getting cold, and felt it was probably time to go back to the apartment, so I put my collar up against the wind and began to walk back up the cold street. I managed to get some food from a vendor（小販）, and walked on.
About twenty-five minutes later I knew that something was wrong. It was getting very, very cold, there were no streetlights, and the hill I was hoping to see on my right was nowhere in sight.  There was almost no light except for mysterious red crosses shining from the tops of churches, and I was beginning to get worried.  To cut a long story short, I had walked the wrong way from a crossroads, and had wandered miles in the wrong direction. My head was aching from the cold, and I couldn’t think straight. Turing around, I started back, and a long time later was outside the house I had set off from. It was at about that time I realized that I had a gate key but no house key.  How happy I was when I found that the front door was open—my only piece of good luck that day.  My apartment was of course locked, my head felt like it was about to explode, and my hands and feet were freezing.
I tried turning the handle.  No luck.  I tried another key from England.  I wanted to avoid waking the family downstairs, so despite the fear of an early death from cold, I couldn’t break the door down.  What would my hosts think? I pulled an ATM card from my pocket and forced it alongside the inside of the lock. I didn’t think it would work, but after fifteen minutes of trying, I heard a click.  Another couple of minutes later the door was open.  Relieved, I took off my clothes in the dark and got into bed.
【小題1】The purpose of the passage is mainly to            .

第三部分：閱讀理解（共20小題; 每小題2分, 滿分40分）
Everyone likes to feel that he or she is special.
Unfortunately, many of us grow up believing that we’re not special at all. We wish that we could be better at sports or more attractive. We wish we had nicer clothes or more money. Like the Scarecrow, the Tin Man, or the Cowardly Lion from The Wizard of Oz (《綠野仙蹤》), we believe we’re not good enough just as we are. In the movie, the Scarecrow wishes that he had a brain. The Tin Man wishes he had a heart, and the Lion wants courage. In the end, each of them realizes that he already has what he needs.
Most parents want us to be the best we can be. They sometimes try to encourage us to do better by comparing us to others. They mean well, but the message we often get is that we’re not good enough. We begin to believe that the only way we can be special is by being better than someone else, but we are often disappointed. There will always be someone out there who is better than we are at something. There are plenty of people around who may not be as smart as we are but who are better at sports. Or they may not be as good-looking, but they have more money. It is impossible for us to be better than everyone else all the time.
Like the Scarecrow, the Tin Man, and the Cowardly Lion, we all want what we believe will make us better people. What we don’t realize is that often we already have inside us the very things that we seek. Parents sometimes forget to tell us that we are special, that we are good enough just as we are. Maybe no one told them that when they were growing up, or maybe they just forgot. Either way, it’s up to us to remind them from time to time that each of us, in our own way, is special. What we are ... is enough.
56. This passage is most likely written by a ______.
A. teenager     B. parent C. teacher       D. coach
57. According to the author, it seems improper for parents to ______.
A. compare their children with others now and then
B. give no pressure to their children 
C. remind their children frequently they are special
D. praise their children too much
58. By discussing the characters in The Wizard of Oz, the author mainly wants to show ______.
A. we are not good enough just as we are
B. we already have inside us what we want
C. it is impossible for us to be better than others
D. there is always someone who is better than us
59. What does the author of this passage believe?
A. Not everyone can be special.                 
B. Smart people are more special than others.
C. The richer you are, the better you are.           
D. We are all good enough just the way we are.

第三節(jié)：閱讀理解（共15小題，每小題2分，共30分）
請認真閱讀下面短文，從短文后各題所給的A、B、C、D四個選項中，選出最佳選項。
Strong winds, sand in the air, poor visibility (能見度), we all know the characteristics of a sandstorm. But what else do you know about them?
Did you know, for example, that the first sandstorm of 2009 hit north China’s Inner Mongolia autonomous region late February?
Sandstorms are today a feature of life in northern China because of desertification (沙漠化) and the retreat (退化) of the northern grasslands. They usually occur between February and May.
Fortunately, sandstorms this year should be fewer than in past years in north China, according to the National Meteorological Center (中央氣象臺).
And the chances of sandstorms hitting Beijing are small, because recent rain has stopped drought and reduced dry dirt and dust. Tree planting, and other measures taken by the government, has also helped decrease the chance of sandstorms in the city.
Sandstorms can be dangerous. However, there are measures you can take to protect yourself from harm.
﹡Wear a mask. Cover your nose and mouth with a mask that can keep out sand, or use a damp handkerchief.
﹡If you are driving and the storm is at a distance, it may be possible to outrun (超過) it. If it looks like you will be caught in the storm, stop and wait it out.
﹡Take a cover. If there is no shelter, then lie down. Keep eyes, nose and mouth covered. Cover your head with your arms or a backpack to protect yourself against flying objects.
If you are caught in a desert sandstorm, take the following actions.
﹡Mark your direction before lying down. It is easy to get lost in a desert.
﹡Keep plenty of water at hand. If you get lost, you need water to survive until you find your way or help arrives.
﹡Stay together if traveling in a group. Lock arms if caught in a sandstorm. The most useful measure would actually be to make sandstorms disappear forever. To make this goal come true, people should plant trees, and stop desertification.
Today, the straight-line distance between Tiananmen Square and a desert called Tianmo in Hebei province is only about 80km. If desertification is not stopped, environmental protection experts say, it will probably not be long before Beijingers can catch a camel to work.
56.According to the passage, which of the following statements is true?
A. So far in 2009 no sandstorm has happened.
B. Sandstorms usually happen in spring.
C. Sandstorms are a feature of life in China.
D. In sandstorms in cities, what you need to protect yourself from is just the sand in the air.
57.Which may not be the right action to take to protect yourself from harm in a sandstorm?
A. Finding a shelter.
B. Covering your head with a bag.
C. Lying down.
D. When driving, speed up and rush through the sandstorm.
58.What can we infer from the passage ?
A. North China has been suffering from sandstorms for several years.
B. The distance between Beijing and the desert has made the chances of sandstorms hitting Beijing small this year.
C. Planting trees can help make sandstorms disappear.
D. It is more dangerous to be caught in sandstorms in cities because there are more flying objects.
59.What’s the best title of the passage?
A. The realities of sandstorm                          B. The cause of sandstorm.
C. The influences of sandstorm                       D. The future of sandstorm.