第一篇：2014年4月12日托福寫作回憶及解析

新思達|一對一高效提分

2014年4月12日托福寫作回憶及解析

2014年4月12日托福寫作第一套

托福獨立作文：

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

新思達|一對一高效提分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.托福綜合寫作：

閱讀是講病歷應(yīng)該從紙質(zhì)變電子化，三個優(yōu)點分別是減少保存運輸?shù)幕ㄤN，減少書寫錯誤之類，數(shù)據(jù)有利于研究。

聽力分別反駁。一是紙質(zhì)主要用作備份，即使釆用電子化依然需要保存紙質(zhì)，不能夠減少費用。二是醫(yī)生問診是還是先用筆記下來，之后輸入電子系統(tǒng)中依然不能避免錯誤；三是有嚴(yán)格的法律限制，病歷信息屬于隱私，不能隨意用于研究，要適用必須經(jīng)過嚴(yán)格的審核程序。

2014年4月12日托福寫作第二套

托福獨立作文：

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

teachers.花錢更新設(shè)施好還是請更好的老師好 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.托福綜合寫作：

閱讀中 primary care doctor缺少的原因：錢少、壓力大、residency positions少。講座

是政府提供的對應(yīng)政策：NHS項目、護士幫忙、調(diào)整住院醫(yī)生職位。文章來源：

第二篇：2013年6月22日雅思口語回憶及解析二

雅思口語 雅思托福技巧 雅思口語-美聯(lián)雅思 2013年6月22日雅思口語回憶及解析二

2013-12-06 14:30類別：雅思閱讀來源：enguo責(zé)編：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?

建議考生先在詞匯量上多下功夫，國內(nèi)高考的英語詞匯量只有3500個，但SAT是給美國高二高三學(xué)生考的，兩者詞匯量差距不是一般大。雖然SAT一直沒有詞匯大綱，可業(yè)內(nèi)保守估計，其詞匯量要比國內(nèi)高考多8000到10000個。

除了背單詞，還要熟悉和適應(yīng)SAT的題型。建議考生買《SAT官方指南》之類的書，認認真真做幾套真題，把自己出錯的地方摘錄出來思考清楚。平時要培養(yǎng)出良好的做題節(jié)奏。SAT數(shù)學(xué)題都是先易后難，容易的題目不要輕敵，難的題目不要畏懼。

如果是初三的小伙伴預(yù)備考SAT，或者有一年以上的時間準(zhǔn)備，還可以考慮多看看英文原版的經(jīng)典小說，比如《傲慢與偏見》、《了不起的蓋茨比》等，因為經(jīng)典小說可以增加你的詞匯量，培養(yǎng)語感，此外SAT也會考到小說欣賞之類的題。

PTE：不計分的自我介紹很重要

從2013年1月1日起，中國區(qū)PTE學(xué)術(shù)英語考試報名費，調(diào)整為275美元。

這項考試自去年引入浙江以來，報名人數(shù)一直處于上升狀態(tài)。它和托福、雅思一樣，是考察學(xué)生英語水平的一門考試，采用的是機考模式，全年開放，考試后平均5個工作日內(nèi)，考生就能收到考試成績。最近一些因為雅思、托福沒考好的學(xué)生，都會報PTE，以便趕上申請國外學(xué)校的進度。雖然報名人數(shù)增加，但因為PTE每月都會安排考試，所以目前考位充足。這個月報名，下個月就能考試。

正式考試時有一項創(chuàng)新舉措，讓考生在動手做考題前做30秒自我介紹，這段音頻不計分，但會附在電子成績單上，一并發(fā)給學(xué)生申請的院校。

要突擊PTE考試，重點是寫和說。聽和說的部分，一些題型也有技巧可尋。建議考生查閱官方指南，做兩套模擬真題。特別要提醒考生的是，那段30秒自我介紹盡管不計分，但還是要引起足夠重視，這是向心儀學(xué)校展示、推薦自己的機會。

第三篇：托福寫作

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級考題回憶及經(jīng)驗總結(jié)

全球最大的CFA(特許金融分析師)培訓(xùn)中心

CFA2級考題回憶及經(jīng)驗總結(jié)

1.道德

soft dollar：比較簡單，因為題干里給的信息比較充分，基本上都能在題干中找到對應(yīng)的答案；比較難的就是問一家公司要Broker直接給Hard Dollar，是否違反準(zhǔn)則？

ROS：研究員拿公司贈品是否違反？拿走公司的訪客紀(jì)念品（不貴）是否違反？

研究員發(fā)給投行部一些pitch的資料和建議，但是投行部發(fā)現(xiàn)該公司已經(jīng)在洽談了，如何回復(fù)該郵件？（給compliance直接發(fā)；還是發(fā)compliance抄研究員？）

還有就是評級系統(tǒng)里的風(fēng)險標(biāo)示。

道德最好看一遍書再去考，做題的時候最重要的是看題干里的說法，有很多傾向性的東西已經(jīng)告訴你了，這個時候，你只要順著題干的意思就能猜出很多答案；尤其是什么only、however之類的語氣助詞，里面就已經(jīng)說明了出題者的判斷傾向了。

2.數(shù)量

各種檢驗和判定：異方差、ARCH、ROOT UNIT、自相關(guān)、Cointegrated、多元代入求解預(yù)期值；六個題目各考了一個。

3.經(jīng)濟學(xué)

匯率的標(biāo)價轉(zhuǎn)換、PPP的基本原理、Forward的簡單計算、Taylor公式（今年sample有現(xiàn)成的題，但是sample的題干已經(jīng)給出了公式，但是這次考試沒給出；但是題干很簡單，目標(biāo)經(jīng)濟增長率已經(jīng)接近名義利率了，再加上現(xiàn)在的實際通脹那么高，肯定是要提高名義利率的）

4.財務(wù)

考了四道題

外匯轉(zhuǎn)換的比率，外幣從年初到年末升值，Current下有正的CTA，其他就是各類比例問題，比較容易區(qū)分，總之記住就是如果是外幣升值，那么Current下的存貨和固定資產(chǎn)轉(zhuǎn)換成本幣時都比temporal的要貴就是了；最后一小題比較難，算匯率風(fēng)險敞口，理論上來說，不需要包括存貨，但是子啊FIFO下，有人在考試后說Temporal的inventory要用average法，因此有匯率敞口。

Equity、Partial Goodwil、Full Goodwill的各種比較，Partial下面的EQUITY和assets會比Full下少，但是Liability和I/S的全部項目和Full都是一樣的，千萬不要跟Proportion的方法搞混；主要問法就是各類比例的高低問題；長總部地址：上海市虹口區(qū)花園路171號A3幢高頓教育

電話：400-600-8011網(wǎng)址：finance.gaodun.cn微信公眾號：gaoduncfa

全球最大的CFA(特許金融分析師)培訓(xùn)中心

期資產(chǎn)一道題，上來問Remeasurement的影響，這個有收益應(yīng)該是放OCI，同時加提折舊，考了一點Lease的，對CFO和ROE的影響。

Pension和股權(quán)激勵的一道大題，一上來送分題，IFRS下expected rate變化對PBO的影響；還有就是正常的折現(xiàn)率變化的影響、Unfunded的計算、股權(quán)激勵費用（一個是純考Call option的變量影響，一個是問option授予期縮短對延期負債的影響）

5.CorpFin

兩道題，一個是投資項目的選擇和NPV比較，要注意折舊和殘值的區(qū)分；WC在末期的回收；增量現(xiàn)金流的意義等，順帶考了一下分紅政策；

另一個是收購，股份支付的溢價計算，HHI指數(shù)；永遠記住A+T+Synergy-Cash=新公司股權(quán)價值；還考了股份支付之后AT股東的比例；以及合并之后的EPS算法，都是很常規(guī)的題目。

6.Equity

記得不是很全了

印象中考點包括：行業(yè)競爭的格局

FCFF和FCFE的計算

P/E比例的計算

GGM的計算

RI的計算

各類估值模型的最佳使用范圍

各類ERP和股權(quán)成本的轉(zhuǎn)換和計算

基本都是非常常規(guī)的問題，覆蓋了Equity的全部考點，分布非常均勻，喜歡混合著從不同角度考同一個公司的不同估值模型。計算步驟不多，計算量不算大，中規(guī)中矩，是拿分的好項目，大家一定要好好把握；比13年Mock和Sample上的逆天計算題要簡單多了。

因此，二級的Eqiuty一般來說不會有特別偏的考題，所有題目都是有固定模式的，數(shù)據(jù)提取、公式選取、概念對比都非常清晰，只要多做題，這些小細節(jié)都能掌握；因此，相對于財務(wù)分析里各類專題的深度來說（以財務(wù)分析的難度來說，CFA真要往死里出題，估計所有人都會考得很慘），Equity的題是二級拿分的基石，要保障自己90%以上的正確率，這才能奠定這個70%以上正確率的基礎(chǔ)！

7.Alternative

第一個是Reits，再次印證了各種國外考試，只要更換LOS大綱，當(dāng)年就必考的規(guī)律；

總部地址：上海市虹口區(qū)花園路171號A3幢高頓教育

電話：400-600-8011網(wǎng)址：finance.gaodun.cn微信公眾號：gaoduncfa

全球最大的CFA(特許金融分析師)培訓(xùn)中心

下午是VC和Hedge Fund；VC計算valuation的時候，居然有兩個discount rate，一個是IPO往前折的原始rate，一個是未來分三種情況的現(xiàn)金流對應(yīng)的diversification的rate。

8.Fixed Income

全部都是信用風(fēng)險的題；其實說白了就是純概念；

第一道就是驚悚的授信額度使用的問題；后面也有一些coverage和leverage的計算，總之特別的偏。一般來收，大家在信用上花的時間最少，概念也不是很清楚（leverage的計算公式有三個，分別是Debt/equity，Debt/CAPITAL,Debt/EBITDA，這種東西就是我見過CFA里編的最扯淡的一個東西），這次被考到也是倒霉。

9.Derivative

上午是考的swap和各類風(fēng)險對沖，非常簡單，計算量極少，對擅長于衍生品計算的我來說，很不過癮；

下午考的是option套利定價、對沖方法和delta變化規(guī)律，核心是圍繞option的delta的各種計算?。☆}目直接給出了BSM的計算參數(shù)而不是二叉樹的模擬，在這種情況下，call的delta的就是N(d1)，put的delta對沖就是1-N（d1）。我公式記反了，記成put是N(d1)，call是1-N（d1）。反思的主要原因就是自己沒有把課后題全做一遍，因此只記住了二叉樹下的delta計算方法，忽略了BSM模型下的delta計算方法，因此吃了一個大虧。其他的對沖比例、delta的變化速度（gamma）之類的，就比較常規(guī)了。

10.Portfolio

這個對我來說比較難，考的一半Mean-Variance的計算，（也混了一點CAPM的內(nèi)容）主要涉及就是Mean-Variance在CALCML模型的應(yīng)用、和以Sharpe比率為目標(biāo)的組合優(yōu)化。還有一半是FactorModel的計算和概念判斷。

Portfolio三個章節(jié)，Mean-Variance、CAPM及其他各類factor衍生模型、TB積極管理模型；真要深入考起來都非常難，多數(shù)人都吃不準(zhǔn)。還好CFA考試強調(diào)廣而非深，所以在這些專題上都盡量網(wǎng)開一面，出的題比較簡單，所以做好課后題，深入理解課后題是最重要的，尤其是在那些比較抽象、難以理解的Model上面，要下足功夫理解LOS的要求。

總體評價和復(fù)習(xí)建議：

課后題最重要?。?！今年有10%-15%的題超出了Notes覆蓋范圍，有點偏；但是多數(shù)題比較中規(guī)中矩，跟教材的課后題保持的難度非常一致，因此教材課后題的價值這次變得無限大！尤其是自己的弱勢科目；財務(wù)、Equity兩類權(quán)重科目；一定要把課后題全部、深入的做一遍！

Notes的重要性越來越低，這次我的復(fù)習(xí)資料主要是jc的基礎(chǔ)班和強化班的視頻和課件打基礎(chǔ)+FinQuiz的總結(jié)考點+課后題重點題（jc給的精選，實際上還不如全做完）+09到13的Mock加Sample；完全拋棄雞肋的Notes+PracticeExam.總部地址：上海市虹口區(qū)花園路171號A3幢高頓教育

電話：400-600-8011網(wǎng)址：finance.gaodun.cn微信公眾號：gaoduncfa

全球最大的CFA(特許金融分析師)培訓(xùn)中心

實際上我選的這個組合是效率最高（聽視頻比看Notes速度要快）、覆蓋面最全（jc輔導(dǎo)班、FinQuiz的覆蓋面、課后題的深度和契合度），互為補充。差不多一個月時間搞定，比看Notes+海量做題要有效率多了。

各位考生，CFA備考已經(jīng)開始，為了方便各位考生能更加系統(tǒng)地掌握考試大綱的重點知識，幫助大家充分備考，體驗實戰(zhàn)，高頓網(wǎng)校開通了全免費的CFA題庫（包括精題真題和全真模考系統(tǒng)），題庫里附有詳細的答案解析，學(xué)員可以通過多種題型加強練習(xí)，通過針對性地訓(xùn)練與?？?，對學(xué)習(xí)過程進行全面總結(jié)。

總部地址：上海市虹口區(qū)花園路171號A3幢高頓教育

電話：400-600-8011網(wǎng)址：finance.gaodun.cn微信公眾號：gaoduncfa

第五篇：2018年4月7日雅思口語考試話題考點回憶及解析

三立教育004km.cn

2018年4月7日雅思口語考試話題考點回憶及解析

今天三立在線教育雅思網(wǎng)為大家?guī)淼氖?018年4月7日雅思口語考試話題考點回憶及解析，備考雅思考試的各位烤鴨，趕緊來看看吧！

一、考試概述：

以下為4月份本場考試高頻話題，請考生們扎實準(zhǔn)備。

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、具體題目分析：

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004km.cn

如上就是三立網(wǎng)課教育小編為大家?guī)淼?018年4月7日雅思口語考試話題考點回憶及解析的相關(guān)資訊，掌握最新雅思資訊，敬請關(guān)注（三立在線教育雅思網(wǎng)）更多雅思考試資訊以及備考資料免費領(lǐng)！