资料：Being financially secure in retirement just doesn't happen magicall

1.资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.Some scary facts about retirement:More than 50% of persons do not have enough finances for retirement.25% do not participate in their company's retirement plan.The average person spends 20 years in retirement.Here are some tips to help you plan correctly:1. Talk to a financial professional. Every few years, it's a good idea to schedule a meeting with a financial planner to get a “check-up”. It's just like a doctor's visit, and you should really talk about your present situation and future goals.2. Save, save, and keep on saving. Make it a habit to save as much as you can.3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner, or find an online retirement calculator.4. Take part in your employer's retirement plans. If your company offers one, it is usually the best tool you can use. Talk to a financial professional for all your options.5. Learn about pension plans. If you have an employer or government pension plan, learn all the details.6. Keep your retirement savings off-limits. Don't make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals.7. Get your employer to start one, and it can help you tremendously.8. Learn about your government's retirement plans. Every country has different plans, some with special tax incentives, so learn what your country offers and plan accordingly.9. Do your own research. Use the Internet, read the newspapers and magazines, talk to your friends, to find out as much as you can about retirement.According to the passage, retirement plans may be offered by ___. 选项： A:the government B:both the employer and the government C:the employer D:the employer, the government and the media

2.Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savingsSome scary facts about retirement?More than 50% of persons do not have enough finances for retirement?25%do not participate in their company’s retirement plan?The average person spends 20 years in retirementHere are some tips to help you plan correctly1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals2. Save and keep on saving. Make it a habit to save as much as you can3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options5. Learn about pension. If you have an employer or government pension plan learn all the details6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goalsWhich of the following is NOT true about retirement? 选项： A:More than half of people don’t have enough finances for retirement B:A quarter of people don’t take part in their company’s retirement plan C:No one can be financially secure in retirement D:The average person will spend 20 years in retirement

3.All of you will soon get your first job after graduation. You are excited about

It and 20 to have a great first day of work! It gives you an opportunity

To make a first 21 on your coworkers. You' ll probably be working with them for years to come. It is also natural that you feel a bit nervous, as you will 22 a totally new situation. Do 23 for your new job. Use your time off to learn more about your new 24 . And study the company' s website to learn more about your fellow workers.

4.After retirement, you expect to live for 25 years. You would like to have $75,000 income each year. How much should you have saved in your retirement account to receive this income if the annual interest rate is 9 percent per year? (Assume that the payments start one year after your retirement.)选项： A:$736,693.47; B:$83,431.17; C:$1,875,000; D:$1,213,487.12

5.All of you will soon get your first job after graduation.You are excited about it and _____20____to have a great first day of work! It gives you an opportunity to make a first ____21_____impression on your coworkers.You'll probably be working with them for years to come.It is also natural that you feel a bit nervous, as you will ____22____ a totally new situation.Do ____23____for your new job.Use your time off to learn more about your new ____24____.And study the company's website to learn more about your fellow workers.

6.When you talk about your career planning, what you should say?选项： A:You should explain how your goals align with the company’s; B:Demonstrate your enthusiasm; C:Talk about your expected salary; D:Show an interest in learning

7.When you talk about your career planning, what you should say? 选项： A、You should explain how your goals align with the company’s B、Demonstrate your enthusiasm C、Talk about your expected salary D、Show an interest in learning

8.When you talk about your career planning, what you should say？选项：A、You should explain how your goals align with the company’s B、Demonstrate your enthusiasm C、Talk about your expected salary D、Show an interest in learning

9.共用题干第二篇

Saving Money

Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert, then probably you would keep your
money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）,
one year later you'll still have the same amount of money you put in.If you put your money
in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.Your money will earn more money if you put it 选项： A:in your room. B:in a piggy bank. C:in your pocket. D:in a savings account.

10.Where you save your money often depends on what you are saving for. If youare saving to buy a book or to go to a concert, then you would probably keepyour money somewhere in your room. If you are saving for a big purchase like awashing machine or a car, where would you save your money?One place to save money is the bank. If you put your money in a piggy bank (猪形蓄罐),one year later you'll still have the same amount of money as you putin. If you put your money in a savings account, one year later you'll have moremoney than you put in. Why?When you keep your money in a bank, your money earns interest. Interestis an amount of money a bank pays you to use your money. The bank usesyour money (and the money of other people, too) to lend to its customers andbusinesses. It will send you a statement several times a year. A bank statement tellsyou how much money you have in your account and how much interest you haveearned. If you leave your money in the bank, you can watch it grow!Another way you can save money is to get a certificate of deposit (CD). If youhave some money that you don't need to use for a long time, this is a good wayto make your money grow. You can get a CD at a bank. You agree not to use themoney for a certain period of time. That period might be from six months to fiveyears. You can't touch your money during that time. If you do, you must pay a penalty (罚款),or fee.

11.共用题干第二篇

Saving Money

Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert,then probably you would keep your money
somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'II have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and the
money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee. The word"touch"in paragraph 7 could be best replaced by 选项： A:deposit. B:lend. C:use. D:cash.

12.Passage One①The Dream It is everyone’s dream to work at home or not work at all. You can plan your own hours and work when you want to. There is no more rush hour and no hours that people waste when they get to and from a job every day.②The Fact The fact is that this dream can be attained. You can stay at home, work when you want to and make money when you need to. There are plenty of opportunities for you to make money at home, just by using your computer and the Internet. ③Start Today! Educate yourself, look closely into all the opportunities and decide on what works best for you. It will not happen during one night, but you can make the decision today and start to make it happen today. ④How Could You Do It? Do you have a blog（博客）or a personal website like millions of other people? Are you using it to make money? Most of these blog and website owners are not. But you can do that!⑤ When you have your computer and the Internet working for you, your businesses will be working for you 24 hours a day, seven days a week. You will make money while you sleep, travel or do whatever you want to do all day long. ⑥Get Going! There are many ways you can make money with your computer. And you can begin your Stay-at-home businesses with just a little money. What are you waiting for ? 1. In which part of a newspaper would you most probably read this passage?_______. 选项：A、SportsB、 NewsC、CultureD、Business

13.读小短文，判断正误。 A job interview can be a difficult thing. You have to meet a new person and tell him/ her all about yourself. That person must like you ,and choose you for the job. It isn't surprising then that most people are scared of job interviews. Here are some tips to help you. First, you should practice. Find some common job –interview questions and try to think of good answers to these questions. Also , try to think of some good questions that you can ask the interviewer. Second, you should find out more about the place you want to work at. Get online and do some research about the company. Third, you should make sure you have nice, formal clothes for your interview. Dressing neatly is very important at a job interview. When you first meet someone, your clothes say a lot about who you are, Finally, you should arrive at the interview on time. Being punctual is important because no one wants an employee who will be late for work. During the interview, try to relax and talk about your best qualities .Be honest about your weaknesses and talk about how you want to improve. After the interview, you should do one more thing. Write a note thanking the interviewer for his/ her time. If you follow these tips , you might get your dream job! Question1.： Job interview are not complicated at all.

14. Anna has to learn that love is about sacrifice. And Elsa has to learn that you can't be afraid of who you are; you can't run away from your own powers. You have to embrace your strengths.

15. Anna has to learn that love is about sacrifice. And Elsa has to learn that you can't Be afraid of who you are; you can't run away from your own powers. You have to Embrace your strengths.