2014年4月12日托福写作回忆及解析

第一篇：2014年4月12日托福写作回忆及解析

新思达|一对一高效提分

2014年4月12日托福写作回忆及解析

2014年4月12日托福写作第一套

托福独立作文：

Do you agree or disagree: celebrities are more important to younger people than they are to older people.托福范文：

Opinions of young celebrities are more attentively heard, even believed, by the younger people than by the older people, who often have their own role models apart.On occasions, it is amusing for the general public to listen to what famous stars have to say, but what is said could sometimes turn out to be particularly not in favor of the more naive people.Too often, opinions from celebrities could be harmful to young people's mental and financial health, to say the least.Unlike the older people, the younger people admire and want to imitate 'notorious' celebrities whose remarks, however out of the common, are readily taken for granted.This

新思达|一对一高效提分could affect them negatively due to their lack of mental maturity to follow bad rather than good examples.Apparently, it is not only the words but also the deeds of those 'role models' that are not doing any good for the mentality of the younger people.Today, television and the Internet have generated tremendous exposure for a number of elite stars who stand for partying, drug abuse, drunk driving, rapid marriage and rapid divorce, and on and on.Most teenagers and young adults, who tend to attach importance to celebrities' opinions, actually become other people since their thoughts are celebrities' thoughts spoken in the spotlight.Fortunately, it seems that the older people are easily getting tired of celebrity overload and do not pay so much attention to scandals.Young celebrities' opinions could become a persuasion in advertising, thereby affecting young consumers' pockets.Very famous personalities in the fields of pop music, cinema and sports, are being hired to give positive comments about products and services that have little or nothing to do with their professions.Nowadays, companies all over the world are using celebrities to orally promote sales of anything from fast food to young fashion to fancy car.Under the influence of what is called 'celebrity testimonials', the younger population, rather than the older population, are encouraged to buy things they really do not need and spend money they actually do not have.That is, a celebrity works as a convincing sales-speaker through the image of strong role model among the younger generation.Usually, the older generation would not entirely trust products and services endorsed by celebrities.To do justice to all shining stars in the galaxy of fame, probably they have the freedom to voice their opinions of whatever kind, so it is up to people both young and old to evaluate what is said and done.However, it is always advisable for the younger people not to follow celebrities' opinions blindly.It is one thing to hear celebrities breaking the mold;but it is quite another to know if they are degrading good social and family values.托福综合写作：

阅读是讲病历应该从纸质变电子化，三个优点分別是减少保存运输的花销，减少书写错误之类，数据有利于研究。

听力分別反驳。一是纸质主要用作备份，即使釆用电子化依然需要保存纸质，不能够减少费用。二是医生问诊是还是先用笔记下来，之后输入电子系统中依然不能避免错误；三是有严格的法律限制，病历信息属于隐私，不能随意用于研究，要适用必须经过严格的审核程序。

2014年4月12日托福写作第二套

托福独立作文：

Do you agree or disagree with the following statement? A university should focus more

teachers.花钱更新设施好还是请更好的老师好 on its facilities, such as libraries, computers or laboratory, rather than on hiring famous

托福范文

In this age of rapid technological development, in order to be the most advanced and successful, universities must keep their facilities and resources up to date.This not only attracts more students, but also attracts renowned professors to the university.Students now more than ever are demanding that universities provide the very latest in academics.To receive the most advanced education, advanced facilities are required.A student majoring in science cannot obtain an accredited level of experience if his university does not have the proper laboratory facilities.Likewise, a liberal arts student is equally as dependent on a current library.Progress is the main purpose of institutions of higher education.A university that does not seek to improve its facilities will fail in improving its students.A university that does not invest in its facilities will not only fail to produce good students, but will also fail to attract famous professors.Universities are able to attract professors because they can offer them good facilities with state-of-the-art technology so

that these professors can conduct successful research and remain at the top of their respective fields.For example, a famous biology professor would think it a waste of time to teach at a university that does not at least have an electron microscope.With the proper facilities, universities can easily attract the best teachers in the world.There may be some university facilities, like gymnasiums, that on the outside do not have any direct connection to the success of the university’s academics.However athletics is great way to draw attention to a university.When universities get attention, they also get funding.Private donors are the main way that universities can afford to upgrade their facilities.Therefore, the more attention a university gives to its facilities, the more potential donors it will attract.This is why so many universities in American lay such great importance on their sports teams and their sports facilities.Universities should make updating their facilities a top priority.Having world-renown professors is important for the success and prestige of a university;however without advanced facilities, a university will not be able to attract these professors.Without advanced facilities a university will also not be able to attract many good students or even donors to help further improve the university.托福综合写作：

阅读中 primary care doctor缺少的原因：钱少、压力大、residency positions少。讲座

是政府提供的对应政策：NHS项目、护士帮忙、调整住院医生职位。文章来源：

第二篇：2013年6月22日雅思口语回忆及解析二

雅思口语 雅思托福技巧 雅思口语-美联雅思 2013年6月22日雅思口语回忆及解析二

2013-12-06 14:30类别：雅思阅读来源：enguo责编：meten

Dancing

1.Do you like dancing? Why or why not?

2.When was the last time you danced?

3.Do you like to watch dance performance?

4.Do people in your country like to dance?

5.Where can you see people dance?

6.Have you ever learned how to dance?

7.Why do you think people like dancing?

8.When do people in your country dance?

9.What dances are most popular in your country?

10.Do young people in your country like traditional dancing?

Mobile Phone / Cell phone

1.Do you often use mobile phone?

2.When did you have your first mobile phone?

3.Do you prefer texting or talking on the phone?

4.Is mobile phone important in your life?

5.What do you like about cell phone?

6.Is there anything you don’t like about cell phone?

7.Do you think people should turn off their phones in public places?

Art

1.Do you know anything about art?

2.Are you interested in art?

3.Did you do painting or sculpture when you were a child?

4.Do you think art is important for our life?

5.Have you ever visited any art galleries or art exhibitions?

6.Do you think children should learn how to appreciate art?

Entertainment

1.What do you usually do for entertainment in your leisure time?

2.Are there any places for entertainment near your school?

3.What did you do for entertainment when you were a child?

4.Do children today still do that for entertainment?

5.What do young people do for entertainment in your hometown?

6.Do you think modern lifestyles give people enough time for entertainment?

建议考生先在词汇量上多下功夫，国内高考的英语词汇量只有3500个，但SAT是给美国高二高三学生考的，两者词汇量差距不是一般大。虽然SAT一直没有词汇大纲，可业内保守估计，其词汇量要比国内高考多8000到10000个。

除了背单词，还要熟悉和适应SAT的题型。建议考生买《SAT官方指南》之类的书，认认真真做几套真题，把自己出错的地方摘录出来思考清楚。平时要培养出良好的做题节奏。SAT数学题都是先易后难，容易的题目不要轻敌，难的题目不要畏惧。

如果是初三的小伙伴预备考SAT，或者有一年以上的时间准备，还可以考虑多看看英文原版的经典小说，比如《傲慢与偏见》、《了不起的盖茨比》等，因为经典小说可以增加你的词汇量，培养语感，此外SAT也会考到小说欣赏之类的题。

PTE：不计分的自我介绍很重要

从2013年1月1日起，中国区PTE学术英语考试报名费，调整为275美元。

这项考试自去年引入浙江以来，报名人数一直处于上升状态。它和托福、雅思一样，是考察学生英语水平的一门考试，采用的是机考模式，全年开放，考试后平均5个工作日内，考生就能收到考试成绩。最近一些因为雅思、托福没考好的学生，都会报PTE，以便赶上申请国外学校的进度。虽然报名人数增加，但因为PTE每月都会安排考试，所以目前考位充足。这个月报名，下个月就能考试。

正式考试时有一项创新举措，让考生在动手做考题前做30秒自我介绍，这段音频不计分，但会附在电子成绩单上，一并发给学生申请的院校。

要突击PTE考试，重点是写和说。听和说的部分，一些题型也有技巧可寻。建议考生查阅官方指南，做两套模拟真题。特别要提醒考生的是，那段30秒自我介绍尽管不计分，但还是要引起足够重视，这是向心仪学校展示、推荐自己的机会。

第三篇：托福写作

Agree or disagree A university should focus more on its facilities, computers or laboratory, rather than on hiring famous teachers

Nowadays, highly education has been attached more important than before.A argue that school facilities should pay more attention than professor lecture.From my perspective, although such hardware like computer centers and science lab provide some benefits to university students, university depends on quality of stuff.Admittedly, a school equipped with great facilities is more appealing the applicants.The reason is that it can make study easier.A bright library offers such a quiet condition for knowledge absorption;a computer center provides a self-govern ways to study;a science lab make student get more practice about miracles.However, this factors become less considerate when it comes to the quality of the professors.For one thing, not only do famous teachers can impart the knowledge, but instill the angle that to solve the problem.To pass on knowledge, a human is no better than a machine or a high-tech tool.The difference lies in the

special ways to get the solutions and the potential inspiration by the former.Take my favorite teacher for example, she often shows us some different way to solve the difficulties.And then she tells us the angle to work out the problem.As for me, it was not until her explanation, that I know about the easier way to work the problem.That is something that high-tech can barely achieve.For another, universities with qualified teachers tend to have higher graduate employment.It is not hard to imagine that a teacher with connections can bring more opportunity to get internship.As an old saying goes, knowledge starts with practice.It is still true now.Students who swamped in labs, would never face the brutal fact that you need a window for people to see what you’ve got.In this way, a well-connect professor can open that for you, instead of lifeless labs.In conclusion, though facilities could promote learning, but it fail to generate more practical merits to students.Recruit more qualified teacher should be paid more attention and stress.

第四篇：CFA2级考题回忆及经验总结

全球最大的CFA(特许金融分析师)培训中心

CFA2级考题回忆及经验总结

1.道德

soft dollar：比较简单，因为题干里给的信息比较充分，基本上都能在题干中找到对应的答案；比较难的就是问一家公司要Broker直接给Hard Dollar，是否违反准则？

ROS：研究员拿公司赠品是否违反？拿走公司的访客纪念品（不贵）是否违反？

研究员发给投行部一些pitch的资料和建议，但是投行部发现该公司已经在洽谈了，如何回复该邮件？（给compliance直接发；还是发compliance抄研究员？）

还有就是评级系统里的风险标示。

道德最好看一遍书再去考，做题的时候最重要的是看题干里的说法，有很多倾向性的东西已经告诉你了，这个时候，你只要顺着题干的意思就能猜出很多答案；尤其是什么only、however之类的语气助词，里面就已经说明了出题者的判断倾向了。

2.数量

各种检验和判定：异方差、ARCH、ROOT UNIT、自相关、Cointegrated、多元代入求解预期值；六个题目各考了一个。

3.经济学

汇率的标价转换、PPP的基本原理、Forward的简单计算、Taylor公式（今年sample有现成的题，但是sample的题干已经给出了公式，但是这次考试没给出；但是题干很简单，目标经济增长率已经接近名义利率了，再加上现在的实际通胀那么高，肯定是要提高名义利率的）

4.财务

考了四道题

外汇转换的比率，外币从年初到年末升值，Current下有正的CTA，其他就是各类比例问题，比较容易区分，总之记住就是如果是外币升值，那么Current下的存货和固定资产转换成本币时都比temporal的要贵就是了；最后一小题比较难，算汇率风险敞口，理论上来说，不需要包括存货，但是子啊FIFO下，有人在考试后说Temporal的inventory要用average法，因此有汇率敞口。

Equity、Partial Goodwil、Full Goodwill的各种比较，Partial下面的EQUITY和assets会比Full下少，但是Liability和I/S的全部项目和Full都是一样的，千万不要跟Proportion的方法搞混；主要问法就是各类比例的高低问题；长总部地址：上海市虹口区花园路171号A3幢高顿教育

电话：400-600-8011网址：finance.gaodun.cn微信公众号：gaoduncfa

全球最大的CFA(特许金融分析师)培训中心

期资产一道题，上来问Remeasurement的影响，这个有收益应该是放OCI，同时加提折旧，考了一点Lease的，对CFO和ROE的影响。

Pension和股权激励的一道大题，一上来送分题，IFRS下expected rate变化对PBO的影响；还有就是正常的折现率变化的影响、Unfunded的计算、股权激励费用（一个是纯考Call option的变量影响，一个是问option授予期缩短对延期负债的影响）

5.CorpFin

两道题，一个是投资项目的选择和NPV比较，要注意折旧和残值的区分；WC在末期的回收；增量现金流的意义等，顺带考了一下分红政策；

另一个是收购，股份支付的溢价计算，HHI指数；永远记住A+T+Synergy-Cash=新公司股权价值；还考了股份支付之后AT股东的比例；以及合并之后的EPS算法，都是很常规的题目。

6.Equity

记得不是很全了

印象中考点包括：行业竞争的格局

FCFF和FCFE的计算

P/E比例的计算

GGM的计算

RI的计算

各类估值模型的最佳使用范围

各类ERP和股权成本的转换和计算

基本都是非常常规的问题，覆盖了Equity的全部考点，分布非常均匀，喜欢混合着从不同角度考同一个公司的不同估值模型。计算步骤不多，计算量不算大，中规中矩，是拿分的好项目，大家一定要好好把握；比13年Mock和Sample上的逆天计算题要简单多了。

因此，二级的Eqiuty一般来说不会有特别偏的考题，所有题目都是有固定模式的，数据提取、公式选取、概念对比都非常清晰，只要多做题，这些小细节都能掌握；因此，相对于财务分析里各类专题的深度来说（以财务分析的难度来说，CFA真要往死里出题，估计所有人都会考得很惨），Equity的题是二级拿分的基石，要保障自己90%以上的正确率，这才能奠定这个70%以上正确率的基础！

7.Alternative

第一个是Reits，再次印证了各种国外考试，只要更换LOS大纲，当年就必考的规律；

总部地址：上海市虹口区花园路171号A3幢高顿教育

电话：400-600-8011网址：finance.gaodun.cn微信公众号：gaoduncfa

全球最大的CFA(特许金融分析师)培训中心

下午是VC和Hedge Fund；VC计算valuation的时候，居然有两个discount rate，一个是IPO往前折的原始rate，一个是未来分三种情况的现金流对应的diversification的rate。

8.Fixed Income

全部都是信用风险的题；其实说白了就是纯概念；

第一道就是惊悚的授信额度使用的问题；后面也有一些coverage和leverage的计算，总之特别的偏。一般来收，大家在信用上花的时间最少，概念也不是很清楚（leverage的计算公式有三个，分别是Debt/equity，Debt/CAPITAL,Debt/EBITDA，这种东西就是我见过CFA里编的最扯淡的一个东西），这次被考到也是倒霉。

9.Derivative

上午是考的swap和各类风险对冲，非常简单，计算量极少，对擅长于衍生品计算的我来说，很不过瘾；

下午考的是option套利定价、对冲方法和delta变化规律，核心是围绕option的delta的各种计算！！题目直接给出了BSM的计算参数而不是二叉树的模拟，在这种情况下，call的delta的就是N(d1)，put的delta对冲就是1-N（d1）。我公式记反了，记成put是N(d1)，call是1-N（d1）。反思的主要原因就是自己没有把课后题全做一遍，因此只记住了二叉树下的delta计算方法，忽略了BSM模型下的delta计算方法，因此吃了一个大亏。其他的对冲比例、delta的变化速度（gamma）之类的，就比较常规了。

10.Portfolio

这个对我来说比较难，考的一半Mean-Variance的计算，（也混了一点CAPM的内容）主要涉及就是Mean-Variance在CALCML模型的应用、和以Sharpe比率为目标的组合优化。还有一半是FactorModel的计算和概念判断。

Portfolio三个章节，Mean-Variance、CAPM及其他各类factor衍生模型、TB积极管理模型；真要深入考起来都非常难，多数人都吃不准。还好CFA考试强调广而非深，所以在这些专题上都尽量网开一面，出的题比较简单，所以做好课后题，深入理解课后题是最重要的，尤其是在那些比较抽象、难以理解的Model上面，要下足功夫理解LOS的要求。

总体评价和复习建议：

课后题最重要！！！今年有10%-15%的题超出了Notes覆盖范围，有点偏；但是多数题比较中规中矩，跟教材的课后题保持的难度非常一致，因此教材课后题的价值这次变得无限大！尤其是自己的弱势科目；财务、Equity两类权重科目；一定要把课后题全部、深入的做一遍！

Notes的重要性越来越低，这次我的复习资料主要是jc的基础班和强化班的视频和课件打基础+FinQuiz的总结考点+课后题重点题（jc给的精选，实际上还不如全做完）+09到13的Mock加Sample；完全抛弃鸡肋的Notes+PracticeExam.总部地址：上海市虹口区花园路171号A3幢高顿教育

电话：400-600-8011网址：finance.gaodun.cn微信公众号：gaoduncfa

全球最大的CFA(特许金融分析师)培训中心

实际上我选的这个组合是效率最高（听视频比看Notes速度要快）、覆盖面最全（jc辅导班、FinQuiz的覆盖面、课后题的深度和契合度），互为补充。差不多一个月时间搞定，比看Notes+海量做题要有效率多了。

各位考生，CFA备考已经开始，为了方便各位考生能更加系统地掌握考试大纲的重点知识，帮助大家充分备考，体验实战，高顿网校开通了全免费的CFA题库（包括精题真题和全真模考系统），题库里附有详细的答案解析，学员可以通过多种题型加强练习，通过针对性地训练与模考，对学习过程进行全面总结。

总部地址：上海市虹口区花园路171号A3幢高顿教育

电话：400-600-8011网址：finance.gaodun.cn微信公众号：gaoduncfa

第五篇：2018年4月7日雅思口语考试话题考点回忆及解析

三立教育www.xiexiebang.com

2018年4月7日雅思口语考试话题考点回忆及解析

今天三立在线教育雅思网为大家带来的是2018年4月7日雅思口语考试话题考点回忆及解析，备考雅思考试的各位烤鸭，赶紧来看看吧！

一、考试概述：

以下为4月份本场考试高频话题，请考生们扎实准备。

1.Describe a famous athlete you know

2.Describe an unusual meal you had

3.Describe a toy you had in your childhood

4.Describe a historical period that you are interested in

5.Describe a situation when you had to be polite

二、具体题目分析：

Describe a famous athlete you know

You should say:

Who this person is

How you know this person

What he or she achieved

And explain why he or she is famous

As for a famous athlete I know, I would like to talk about Fu Yuanhui who is a swimmer from Hangzhou China, and the first time I knew her was in 2016 Olympic games.One of her interview videos was quite interesting because her responses were hilarious.In that video, when Fu was told that she was qualified for the final, Fu pulled a comically exaggerated face and declared that “I have used all my prehistorical power to swim.” Prehistorical power is a phrase originates from a Chinese fantasy drama called “the journey of flower”, and in this situation, this phrase is quite suitable and hilarious.When asked what her hopes were for the final, Fu said that” no expectations, I’m very satisfied now.” That’s how she began to rock the Internet and social media.Pitifully, she didn’t win a gold medal in the 100-meter backstroke final, instead, she eventually won a bronze medal, but that hasn’t reduced the affection from her fans.I think the reason why Fu is so popular on the Internet is that she interpreted the Olympic spirit in an untraditional way which is challenging herself and enjoying the game.That’s the spirit that we Chinese youngsters now look up to.三立教育www.xiexiebang.com

如上就是三立网课教育小编为大家带来的2018年4月7日雅思口语考试话题考点回忆及解析的相关资讯，掌握最新雅思资讯，敬请关注（三立在线教育雅思网）更多雅思考试资讯以及备考资料免费领！