2016英語六級段落匹配練習及答案

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　　2016英語六級段落匹配練習及答案精選

Six Steps to Tackling Your Student Loans

[A] Any payment is a good debt payment, but a strategy can be useful too-even if your strategy means opening the envelope.

Open the envelope

[B] This is the hardest thing to do. The bills come with the "Sallie Mae" or "Discover" logo on them and you toss them aside, hoping to deal with them when you feel less besieged (圍攻). You know you started owing some amount- $20,000, $50,000, $100,000—and that the interest is piling up, but you don't know exactly how much or how. When faced with heavy debt, many people try to avoid seeing the numbers.

[C] This doesn't work, even psychologically. Anyone who has let credit-card bills or mortgage bills pile up, 1reopened, knows that avoiding the envelope does not reduce your anxiety; it increases it. As those envelopes multiply, they take over your psychological state. In horror movies, it's like the monster in the room behind the door. You don't know what it looks like, but it keeps you scared and immobile. So, open the envelope.

[D] Or, even better, log in online. All student loan providers have a web site where you can see what you owe, your interest rates, and your payment schedules. SallieMae. com is no-frills, but still allows you to see your loans on one screen, including your interest rates. Discover. corn also has a pretty basic site. Citibank has a more complex site. Get used to logging into these sites pretty often; ff you need motivation, think of it as visiting your money while it's in prison.

[E] The websites all have one thing in common: they let you see how much you owe, and what your interest is, and they make it easy to pay-but they don't let you see how much your debt load is growing. This is a major motivating factor in paying down your loans. Identify your loans

[F] Are your loans held by the federal government--usually through Sallie Mae--or through "private" lenders like Citibank or Discover? if you don't know who holds your loans, you can find out here, at the National Student Loan Data System.

[G] Why do you need to know who holds your loans? This will make a difference to your payment options and your interest rates, if you have a federal loan, for instance, your interest rate is probably very low, around 32% ; ff you have private loans, the interest rates are likely to be much higher, around 48%. Federal loans also give you options like requesting forbearance (延期還貸) ff you're out of work or if your income is too low-handy for the times when you're down on your luck.

Start seeing your debt in new ways

[H] The websites of lenders are often limited and only have basic information. To really tackle your student loans, it can often be useful to visualize how much progress you're making. There are several ways to do that.

[I] One really useful new free site is Tuition. io, which gathers information for all your loans in one place. You can see your debt in colorful charts, play around with repayment plans, and, once you start paying your loans, you can see the numbers start to fall. That can be very motivating.

[J] For the same effect that you can customize yourself, try a Google Docs spreadsheet. There's a template that already exists for paying down loans; it has the unpromising title of "Loan amortization schedule by Vertex42. corn" but it has very handy calculators built in so that you can tweak your monthly payments to see how much progress you can make if you increase or decrease your payments in any given month. If you don't like that template, just create a Google Docs spreadsheet with the categories you need: date; loan name/number; loan interest rate; starting loan amount ( including how much you owe on that date) ; payment amount you made on that date; ending loan amount after that payment. After you have enough entries, you can start creating graphs; there are few things more satisfying than seeing that graph move downward as you pay off your debt.

[K] If you want to see your loans in a larger context of your whole financial picture, LearnVest is a great mobile app for iPhone. It gathers all your information income, loans, credit card debt by linking to your accounts. It serves up useful graphs on your net worth, comparing your assets to what you owe -and there's nothing more motivating than seeing a "minus" sign next to your financial picture. LearnVest "also lets you track your spending, which may make it easier to see where to cut down on expenses so that you can put more into your loan payments. LearnVest also has a good website full of useful advice 't be afraid to scare yourself

[L] Student loans can often be scary and that's Why you should slay them. The more you see how much you owe, and how fast your interest is rising, the more motivated you can be to fight back by paying those loans. One staffer, after she saw how much money she was wasting on interest payments, increased her student loan payments by $ 75 a month.

[M] It can also be tempting to believe that your student debt is so big that nothing you do can ever make a dent in it. That's completely untrue. Only paying your loans will shrink them. It will take years, true. It will take even longer if you don't pay, or pay the minimum. There's only one outcome of shirking your loans: ending up with bigger loans. Then you're in an even bigger bind. No one is going to save you from student loans. Action counts.

Choose a strategy

[N] Any payment is a good payment, but a strategy can be very useful too. There are two aspects to loans :principal and interest cipal is how much you've borrowed ,and the interest is what you're paying every month for the privilege of having borrowed that money. Your goal is to pay down as much of the principal as possible. Your chief enemy here is interest: it grows fast, and makes the principal recede more distantly.

[O] So make sure you know the rank of your loans, in order from smallest to largest, and lowest interest to highest interest. Do whatever is possible to reduce the interest; as our columnist Helaine Olen points out, Sallie Mac offers you a 0. 25% reduction in your loan interest if you sign up for an automatic debit ( 借方 ) plan--just make sure the money is always going to be in your account. If you don't want to do that, follow Helaine's other piece of advice: you're smarter to pay off the loans with the higher interest rate flint. This will create the biggest impact. Another popular strategy is the "snowball" method, where you pay the most on the smallest debt owed. So if you have a $20,000 loan and a $10,000 loan, the "snowball" method means you will start paying more towards the $10,000 loan. You'll see it disappear faster. These two methods don't always go together; so try what feels comfortable. The important thing is to see and track your progress.

[P] If your income isn't enough, consider other methods of producing money: side projects, odd jobs, or selling things you don't need on eBay or Craigslist. For those whose parents can afford it, working out a joint payment plan can make sense. One graduate we know struck a savvy (精明的) deal with his parents: if he made the minimum student loan payment every month, they would contribute $100 toward his student loans. That's $100 he doesn't have to cut from his own budget. As a benefit, making bigger payments will help you pay down the principal of the loan, since the minimum payments often only end up reducing your interest, which balloons back later. Even $ 50 more a month can help.

[Q] Here's an example: if you have a $ 20,000 loan, with a 4.2% interest, rate, you will end up paying an extra $ 2,814 in interest alone over six and a half years. If you increase your payment by only $ 50 a month, you'll cut that interest by $ 500 ; ff you can find a way to pay $ I00 more a month, you'll save nearly $ 800 in interest. That's $ 800 more in the bank, and $ 800 less wanted on pointless interest payments.

Take it in stride

[R] Most Americans owe some form of debt; learning how to handle it is a lifelong process. Most of all, don't beat yourself up if you're not perfect at paying down your loans. Some of the savviest financial players struggled for years with their own finances. We all learn in our own time and we rind what works for us and what doesn't. Accept your own progress.

46. If you have a federal loan, you are allowed to pay back the loan later when you are fired.

47. LearaVest informs you about your spending so that you can see where to save money to pay off your debt.

48. Even for financial experts, financial problems may have taken them years to deal with.

49. You are advised to start with the loans with the higher interest rate.

50. Many Americans are in debt and learning how to handle it will take a lifetime.

51. With Google Docs spreadsheet, you can create your own personalized debt graphs.

52. If you don't have enough income, you are advised to try other ways of making money.

53. Those student, loan providers' websites don't present the growth of your debt load.

54. The result of inaction to your loans is to bring about bigger loans.

55. When you toss away envelopes containing your bills, you actually feel more anxious about it.

語篇分析

you have a federal are allowed to pay back the loan later when you are fired.

詳解 如果你有聯邦貸款，可以在失業時延期還款。

譯文 由關鍵詞a federal loan， later ,fired定位到原文劃線句。

nVest informs you about your spending so that you can see where to save money to pay off your debt

譯文 LearnVest的消費查詢可以讓你看到應該在哪裏減少開支，以便節省出更多的錢還貸。

定位 由關鍵詞LearnVest，spending，save money定位到原文劃線句。

for financial ncial problems may have taken them years to deal with.

譯文 祕即便是金融專家，他們也可能曾經花費了多年的時間來處理財務問題。

定位 由關鍵詞financial experts，for years定位到原文劃線句。

are advised to start with the loans with the higher interest rate.

【O】So make sure you know the rank of your loans，in order from smallest to largest，and lowest interest to highest whatever is possible to reduce the interest;　as our columnist Helaine Olen points out，Sallie Mae offers you a 0.25% reduction in your loan interest if you sign up for an automatic debit(借方)plan　just make sure the money is always going to be in your you don’t want to do mat，follow Helaine's other piece of advice：　you're smarter to pay off the loans with the higher interest rate will create the biggest her popular strate! is the“snowball”method，　where you pay the most on the smallest debt if you have a$20，000 loan and a$10.000 “snowball”method means you will start paying more towards the $10.　000 ’ll see it disappear e two methods don’t always go together;so try what feels important thing is to see and track your progress.

譯文 人們應該優先償還 利率高的債務。

定位 由關鍵詞advised，higher interest rate定位到原文劃線句。

Americans ale in debt and learning how to handle it will take a lifetime.

譯文 許多美國人都有債務，並且需要用一生的時間來學習如何處理債務。

定位 由關鍵詞debt，handle，lifetime定位到原文劃線句。

Google Docs spreadsheet，you can create your own personalized debt graphs.

譯文 藉助於Google Dos spreadsheet，你能夠創建自己個性化的債務圖表。

定位 由關鍵詞Google Docs spreadsheet，personalized，graphs定位到原文劃線句。

you don’t have enough income，you are advised to try other ways of making money.

譯文 如果你收入不夠，可以考慮別的賺錢方法。

定位 由關鍵詞enough，ng money定位到原文劃線句。

e student loan providers’websites don’t present the growth of your debt load.

譯文 學生貸款網站不展示你的債務增長額。

定位 由關鍵詞websites，growth，debt load定位到原文劃線句。

result of inaction to your loans is to bring about bigger loans.

譯文 逃避債務的結果是帶來更大的債務。

定位 由關鍵詞result，bigger loans定位到原文劃線句。

you toss away envelopes containing your bills，you actually feel more anxious about it.

譯文 當你把裝有賬單的信封丟到一邊時，實際上會讓你更加焦慮。

定位 由關鍵詞envelopes，bills，anxious定位到原文劃線句。

　　2016英語六級段落匹配練習及答案訓練

How do we convince our inner caveman to be greenery? We ask some outstanding social scientists.

[A] The road to climate hell is paved with our good intentions. Politicians may tackle polluters while scientists do battle with carbon emissions. But the most pervasive problem is less obvious: our own behaviour. We get distracted before we can turn down the heating. We break our promise not to fly after hearing about a neighbour's trip to India. Ultimately, we can't be bothered to change our attitude. Fortunately for the planet, social science and behavioural economics may be able to do that for us.

[B] Despite mournful polar bears and charts showing carbon emissions soaring, most people find it hard to believe that global warming will affect them personally. Recent polls by the Pew Research Centre in Washington, DC, found that 75-80 per cent of participants regarded climate change as an important issue. But respondents ranked it last on a list of priorities.

[C] This inconsistency largely stems from a feeling of powerlessness. "When we can't actually remove the source of our fear, we tend to adapt psychologically by adopting a range of defence mechanisms," says Tom Crompton, change strategist for the environmental organisation World Wide Fund for Nature.

[D] Part of the fault lies with our inner caveman. Evolution has programmed humans to pay most attention to issues that will have an immediate impact. "We worry most about now because if we don't survive for the next minute, we're not going to be around in ten years, time," says Professor Elke Weber of the Centre for Research on Environmental Decisions at Columbia University in New York. If the Thames were lapping around Big Ben, Londoners would face up to the problem of emissions pretty quickly. But in practice, our brain discounts the risks—and benefits—associated with issues that lie some way ahead.

[E] Matthew Rushworth, of the Department of Experimental Psychology at the University of Oxford, sees this in his lab every day. "One of the ways in which all agents seem to make decisions is that they assign a lower weighting to outcomes that are going to be further away in the future," he says. "This is a very sensible way for an animal to make decisions in the wild and would have been very helpful for humans for thousands of years."

[F] Not any longer. By the time we wake up to the threat posed by climate change, it could well be too late. And if we're not going to make rational decisions about the future, others may have to help us to do so.

[G] Few political libraries are without a copy of Nudge：Improving Decisions About Health, Wealth and Happiness, by Richard Thaler and Cass Sunstein. They argue that governments should persuade us into making better decisions—such as saving more in our pension plans—by changing the default options. Professor Weber believes that environmental policy can make use of similar tactics. If, for example, building codes included green construction guidelines, most developers would be too lazy to challenge them.

[H] Defaults are certainly part of the solution. But social scientists are most concerned about crafting messages that exploit our group mentality(心態). "We need to understand what motivates people, what it is that allows them to make change," says Professor Neil Adger, of the Tyndall Centre for Climate Change Research in Norwich. "It is actually about what their peers think of them, what their social norms are, what is seen as desirable in society." In other words, our inner caveman is continually looking over his shoulder to see what the rest of the tribe are up to.

[I] The passive attitude we have to climate change as individuals can be altered by counting us in— and measuring us against—our peer group. "Social norms are primitive and elemental,” says rt Cialdini, author of Influence: The Psychology of Persuasion. "Birds flock together, fish school together, cattle herd perceiving norms is enough to cause people to adjust their behaviour in the direction of the crowd.

[J] These norms can take us beyond good intentions. Cialdini conducted a study in San Diego in which coat hangers bearing messages about saving energy were hung on people's doors. Some of the messages mentioned the environment, some financial savings, others social responsibility. But it was the ones that mentioned the actions of neighbours that drove down power use.

[K] Other studies show that simply providing the facility for people to compare their energy use with the local average is enough to cause them to modify their behaviour. The Conservatives plan to adopt this strategy by making utility companies print the average local electricity and gas usage on people's bills.

[L] Social science can also teach politicians how to avoid our collective capacity for self-destructive behaviour. Environmental campaigns that tell us how many people drive SUVs unwittingly (不經意地) imply that this behaviour is widespread and thus permissible. Cialdini recommends some careful framing of the message. "Instead of normalising the undesirable behaviour, the message needs to marginalise it, for example, by stating that if even one person buys yet another SUV, it reduces our ability to be energy-independent."

[M] Tapping into how we already see ourselves is crucial. The most successful environmental strategy will marry the green message to our own sense of identity. Take your average trade union member, chances are they will be politically motivated and be used to collective action—much like Erica Gregory. A retired member of the Public and Commercial Services Union, she is setting up one of 1,100 action groups with the support of Climate Solidarity, a two-year environmental campaign aimed at trade unionists.

[N] Erica is proof that a great-grandmother can help to lead the revolution if you get the psychology right—in this case, by matching her enthusiasm for the environment with a fondness for organising groups. "I think it's a terrific idea," she says of the campaign. "The union backing it makes members think there must be something in it. She is expecting up to 20 people at the first meeting she has called, at her local pub in the Cornish village of Polperro.

[O] Nick Perks, project director for Climate Solidarity, believes this sort of activity is where the future of environmental action lies. "Using existing civil society structures or networks is a more effective way of creating obviously trade unions are one of the biggest civil society networks in the UK," he says. The "Love Food, Hate Waste" campaign entered into a collaboration last year with another such network—the Women's Institute. Londoner Rachel Taylor joined the campaign with the aim of making new friends. A year on, the meetings have made lasting changes to what she throws away in her kitchen. "It's always more of an incentive if you're doing it with other people, M she says. It motivates you more if you know that you've got to provide feedback to a group."

[P] The power of such simple psychology in fighting climate change is attracting attention across the political establishment. In the US, the House of Representatives Science Committee has approved a bill allocating $ 10 million a year to studying energy-related behaviour. In the UK, new studies are in development and social scientists are regularly spotted in British government offices. With the help of psychologists, there is fresh hope that we might go green after all.

people find they are powerless to change a situation, they tend to live with it.

be effective, environmental messages should be carefully framed.

is the government's responsibility to persuade people into making environment-friendly decisions.

ticians are beginning to realise the importance of enlisting psychologists' help in fighting climate change.

find effective solutions to climate change, it is necessary to understand what motivates people to make change.

their evolution, humans have learned to pay attention to the most urgent issues instead of long-term concerns.

study shows that our neighbours' actions are influential in changing our behaviour.

ite clear signs of global warming, it is not easy for most people to believe climate change will affect their own lives.

should take our future into consideration in making decisions concerning climate change before it is too late.

ting social networks can be more effective in creating change in people's behaviour.

答案：

C L G P H

D J B F O