大學六級英語閱讀理解試題(一)

　　HERE'S THE SCARY THING about the identity-theft ring that the feds cracked last week: there was nothing any of its estimated 40,000 victims could have done to prevent it from happening. This was an inside job, according to court documents. A lowly help-desk worker at Teledata Communications, a software firm that helps banks access credit reports online, allegedly stole passwords for those reports and sold them to a group of 20 thieves at $60 a pop. That allowed the gang to cherry-pick consumers with good credit and apply for all kinds of accounts in their names. Cost to the victims: $3 million and rising.

　　Even scarier is that this, the largest identity-theft bust to date, is just a drop in the bit bucket. More than 700,000 Americans have their credit hijacked every year. It's one of crime's biggest growth markets. A name, address and Social Security number--which can often be found on the Web--is all anybody needs to apply for a bogus line of credit. Credit companies make $1.3 trillion annually and lose less than 2% of that revenue to fraud, so there's little financial incentive for them to make the application process more secure. As it stands now, it's up to you to protect your identity.

　　The good news is that there are plenty of steps you can take. Most credit thieves are opportunists, not well-organized gangs. A lot of them go Dumpster diving for those millions of "pre-approved" credit-card mailings that go out every day. Others steal wallets and return them, taking only a Social Security number. Shredding your junk mail and leaving your Social Security card at home can save a lot of agony later.

　　But the most effective way to keep your identity clean is to check your credit reports once or twice a year. There are three major credit-report outfits: Equifax (at equifax.com), Trans-Union (www.transunion.com) and Experian (experian.com). All allow you to order reports online, which is a lot better than wading through voice-mail hell on their 800 lines. Of the three, I found TransUnion's website to be the cheapest and most comprehensive--laying out state-by-state prices, rights and tips for consumers in easy-to-read fashion.

　　If you're lucky enough to live in Colorado, Georgia, Maryland, Massachusetts, New Jersey or Vermont, you are entitled to one free report a year by law. Otherwise it's going to cost $8 to $14 each time. Avoid services that offer to monitor your reports year-round for about $70; that's $10 more than the going rate among thieves. If you think you're a victim of identity theft, you can ask for fraud alerts to be put on file at each of the three credit-report companies. You can also download a theft-report form at www.consumer.gov/idtheft, which, along with a local police report, should help when irate creditors come knocking. Just don't expect justice. That audacious help-desk worker was one of the fewer than 2% of identity thieves who are ever caught.

　　1.What is the trend of credit-theft crime?

　　[A]Tightly suppressed.　[B]More frightening.　[C]Rapidly increasing.　[D]loosely controlled.

　　2.The expression “inside job”(Line 6, Paragraph 1) most probably means _________.

　　[A]a crime that is committed by a person working for the victim　[B]a crime that should be punished severely

　　[C]a crime that does great harm to the victim　[D]a crime that poses a great threat to the society

　　3.The creditors can protect their identity in the following way except _________.

　　[A]destroying your junk mail　[B]leaving your Social Security card at home

　　[C]visiting the credit-report website regularly　　[D]obtaining the free report from the government

　　4.Why is it easy to have credit-theft?

　　[A]More people are using credit service.　[B]The application program is not safe enough.

　　[C]Creditors usually disclose their identity.　　[D]Creditors are not careful about their identity.

　　5.What is the best title of the text?

　　[A]The danger of credit-theft　[B]The loss of the creditors

　　[C]How to protect your good name　[D]Why the creditors lose their identity

　　大學六級英語閱讀理解試題答案

　　CADBC

　　大學六級英語閱讀理解試題(二)

　　Since Andrew Benton graduated from college less than four years ago, he has dropped out of a Princeton Ph.D. program in economics, moved to rural Georgia to start a Web-software company that he’s trying to sell, and now works freelance (自由職業) for a cloud-computing company in Silicon Valley. He buys his own health insurance and contributes to his retirement accounts; neither his policy nor his accounts receive corporate contributions. Does his job instability and lack of benefits worry him? Nope. The 26-year-old does not expect to hold a traditional 9-to-5 job unless he starts his own business again, and he is not overly pessimistic about the recession’s long-term effect on his career. “I don’t pay that much attention to what is going on in the economy,” he says. “I just found stuff I was interested in.”

　　Whatever you make of this attitude — smart, entitled, tech savvy (聰明的), risky, or bold — Benton is arguably the prototype (典型) of the new and perhaps ideal worker in the post-recession economy.

　　Still, this savvy demographic group isn’t immune from the career setbacks of the recession. Workers born after 1980, who are having a harder time gaining a foothold in the job market, may face lower earnings over the next several years of their careers.

　　Those who opt for traditional corporate careers have had to readjust their expectations. For some young, well-educated workers such as 24-year-old Adrian Muniz, the recession has been startling. Muniz graduated from Brown University in 2007 and moved to New York City, expecting to easily find work at a magazine. Instead, he ended up working at high-end retail stores for the past three years and doing media internships on the side to build up his résumé.

　　When the economy does pick up, experts warn that millennials, i.e. people born in or after 1980, may leave their companies for better jobs and higher paychecks. They will quit to travel the world, or simply because they did not like their boss. When more jobs become available, the millennials will use their tech savvy to promote themselves on Facebook, Twitter, and other social networks. They will have no problem accepting contract, short-term work in place of a steadier paycheck. “The economy is actually creating a type of work that suits millennials well and does not suit baby boomers,” says Karl Ahlrichs, a human-resources consultant. In part, that’s because the economy is generating jobs in technology, computers, education, and health care that require serious technological, entrepreneurial, and creative skills as opposed to expertise in operations or management.

　　Armed with their education, parental support, or savings, millennials seem to have plenty of answers when it comes to dealing with the current economy. Still, questions remain. In their 30s and 40s, will they start their own businesses rather than joining the ranks of middle management? Will their innovative and entrepreneurial streak survive as they move through adult rites (儀式) of passage such as buying houses, raising children, or caring for aging parents? Ask a millennial and they’ll tell you that they’ll find or invent new answers to such age-old questions.

　　57. What do we learn about Andrew Benton’s work experience?

　　A) He has now an unsteady job without corporate welfare benefits.

　　B) Without a Ph.D., he was at a disadvantage when applying for job.

　　C) He gave up the chance to take a traditional corporate job. D) It takes about four years for him to realize what he wants to be.

　　58. What is a main concern of Andrew Benton?

　　A) Whether the economy is going to pick up quickly. B) When he should start and run another software firm.

　　C) Whether the job interests him and arouses his curiosity. D) How he can find an ideal job unaffected by the recession.

　　59. According to the passage, in the job market, workers born after 1980 ________.

　　A) earn much more than their predecessors B) have been affected by the economic downturn　C) gain a competitive edge with good education D) are undoubtedly ideal workers for the economy

　　60. What accounts for millennials’ being suitable for work created by the current economy?

　　A) Their desire to promote themselves. B) Their strong sense of looking after families.

　　C) Their special skills in running and managing firms. D) Their embrace of tech skills and innovative ideas.

　　61. What can we infer from the passage about millennials’ attitude towards their future?

　　A) Negative. B) Uncertain. C) Positive. D) Conservative.

　　大學六級英語閱讀理解試題答案

　　A C B D C

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