Being financially secure in retirement just doesn’t happen magically I

1.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

2.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.What will happen if you withdraw your retirement savings before you retire? 选项： A:You may have to pay penalties. B:You will fail to realize your goals. C:Your retirement savings will become off-limits. D:You should save money for your retirement all over again.

3.Which one is NOT a possible investment you should consider while in college? ( )选项： A:You can invest in protecting yourself. B:You can invest in your retirement. C:You can invest in high risk funds. D:You can invest in your dreams.

4.Which one is NOT a possible investment you should consider while in college? ( )选项： A:You can invest in your retirement. B:You can invest in your dreams. C:You can invest in high risk funds. D:You can invest in protecting yourself.

5.First Bank & Trust : Making Life a Little Easier Every Day How would you like to have the freedom to do your banking without running to the bank? Look no further than your computer! Because now you can take care of all your banking whenever and wherever it's convenient. With free Online Banking you have the power to take greater control over your finances. Imagine viewing your account balances any time you want. And transfer money between accounts at your conveniences. Virtually all your other banking activities can be handled online too. You can: Download your account information into your personal finances software. Open additional accounts. Record checks. E-mail your customer service requests and questions to us. You'll save time with Online Banking. To save even more, choose our Bill Pay Service. With our Bill Pay Service, you can forget about checks, stamps and envelopes. Pay anyone you would normally pay by check with just a few keystrokes. You can even set up recurring payments (付款) such as your mortgage, rent, or car loan, so you don't have to bother with them every month.What kind of new service does First Bank & Trust offer?__________________________________________________What will free Online Banking help you to do?It will help us to _______________ over our finances better. How should you let First Bank & Trust know your customer's requests and questions?We can _____________ to the company.What service will help you to save more time? ________________________________.What should you do if you don't want to pay your mortgage every month?You can set up ________________________ so as to avoid paying it every month.

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.[单选题]共用题干第二篇Saving MoneyWhere 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 A deposit. B lend. C use. D cash.

8.[单选题]共用题干第二篇Saving MoneyWhere 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.Among other things,a bank statement tells you A the amount of money you have in the bank. B the current rates of interest. C the current rates of exchange. D the best way to save your money.

9.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.

10.Before you start your application, the first thing you have to do is to make a carefuBefore you start your application, the first thing you have to do is to make a careful plan about how to find the best schools that suit your needs.（）

11.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.

12.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.

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.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

15.If you have too many things to do but don’t have enough time, you should ______. 选项： A、learn the skills of effective daily planning B、deal with your priorities and forget about others C、choose the things you enjoy most whether they are important or not D、try to fit all the things into your schedule

16.The following is an informal email to a friend. After reading it, fill in each blank with no more than three words. Hi Bob, Thanks for your email. It was nice to hear from you, although I’m really sorry that you are having a hard time at work. I know how hard it can be when work is stressful. If you feel you have too much work to do, maybe you should speak to your boss. Explain to them what tasks you have to do, how long each task takes you and why you find your workload challenging. If you stay calm and professional, I’m sure your boss will do your best to help. Are you taking enough breaks at work? It’s really important you take time out for lunch and to relax your eyes away from the screen. Taking more breaks can actually help you to get more done at work, so don’t feel worried about seeming lazy! Also, when did you last have a vacation? A short vacation might be all you need to return to your work feeling refreshed and on top of things. If you try both of these suggestions and still feel stressed out, you may need to rethink your career. You should spend some time weighing up the pros and cons of your current job, and think about some things which you could do instead. I hope that helps you! Let me know what you decide. All the best, Lucy

17.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! Question:2 . You don’t need to practice before a job interview.

18.【单选题】 How to make the most out of your working holiday A working holiday is a great way of seeing a different country and experiencing a different culture while getting paid for it. How can you get the most out of this experience? Read on to find out more. First of all, make sure you organize your job before you leave. This will give you peace of mind, and one less thing to worry about when you arrive. Some companies will also offer free (or cheap) accommodation. Before you leave home, research the place you are going to. Find out about the culture and way of life. This will help you to avoid making any serious mistakes when you are there. Learning about the cost of living will help you to plan your budget while you are there. Once you have arrived, do your best to make friends as soon as possible. Resist the temptation to lock yourself in your room—you’ll soon get homesick and want to leave! Make friends with local people as this will help you to learn more about the local culture and experience something new. Finally, your job is important, but make sure that you use your free time wisely to make the most of where you are. If you have to work long hours, spend your weekends exploring. If you have to work weekends, then make sure you go out in the evenings. If you keep these tips in mind, your working holiday is sure to be the experience of a lifetime! 2. What two things should you do before you leave home? 选项：A、 Plan what you are going to do in your free time, and buy new clothes. B、 Book your accommodation and plan your travel route. C、 Find people in the country you want to work in and make friends with them. D、 Find a job and find out about the area where you’ll be working.