Part I Writing

Control traffic

Part II Reading comprehension (Skimming and Scanning)
1. What is the advantage of the retirement savings?
[B] Employees can get money as the retirement savings from their employers.
2. Which group of people is advised to hold a health insurance?
[D] Those who are less than 65 years old.
3. It’s good for us to have some cash on hand to .
[C] cope with sudden and serious situations 
4. The money you get from the disability insurance through the employee benefits plan is .
[A] not enough for a decent living
5. What is the reason that we fail to attend to our family financial well-being?
[D] We think it needn’t be dealt with immediately.
6. What can a life insurance do to a child?
[B] It offers timely money for the funeral if the child dies.
7. We work out a budget in order to .
[A] avoid unnecessary spending
8. Once a person loses the ability to do things, a living will is a reliable document for required medical measures.
9. According to Karin Barkhorn, the government has to decide how to arrange a person’s assets if he dies without a will.
10. Under your durable power of attorney, if you are unable, a person can be given the authority to make financial decisions for you.

Part III Listening Comprehension 
Section A 
11. [C] She would like to know about that problem. 
12. [B] It is very interesting.
13. [A] Taking a train. 
14. [C] The man should practice using the vocabulary.
15. [A] Choose other time. 
16. [D] It will probably be cold.
17. [A] The woman bought too many skirts.
18. [B] In a hotel.
19. [C] It’s the easiest way to communicate with other users.
20. [A] It may not be of a high level of security.
21. [B] IE and Windows.
22. [D] Try to get a free E-mail account.
23. [D] Refrigerator and kitchen stuff.
24. [B] Advertise them on the university notice boards.
25. [A] It may not pay well.
Section B
Passage One 
26. [C] Delighted.
27. [B] Tell him the truth.
28. [C] Remember a couple of names first.
Passage Two
29. [A] Cycling around a lake.
30. [D] It needs water and electricity to keep its courses green.
31. [C] It uses fewer resources.
32. [B] To encourage people to go in for green sports.
Passage Three
33. [B] 3
34. [D] To get to know how to ask for financial aid.
35. [B] To make JohnsonReview popular.
Section C
36. solo
37. distances
38. undertaking
39. continent
40. stranger
41. puzzled
42. afford
43. estimated
44. rapid economic growth has fuelled an explosive expansion in car ownership
45. one of his aims was to promote cycling as safe, sustainable and environmentally friendly means of getting about 
46. with some estimates saying the number of people cycling to work has almost doubled in the last five years 
Part IV Reading Comprehension (Reading in Depth) 
Section A
47. As adventurous as the job sounds, the hard part is fact-checking all the information.
48. She fell so in love with a description of the Southwest of the U.S. that she moved there.
49. I always loved traveling and always liked to eat, but it never occurred to me thatI could make money doing both of those things.
50. What do we know about Jarolim from the passage?
She is successful in her job.
51. What is one of the disadvantages of traveling as an air courier?
She cannot decide when and where to travel.