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 goalsWhat will happen if you withdraw your retirement savings before you retire?A. You may have to pay penaltiesB. You will fail to realize your goalsC. You retirement savings will become off-limitsD. You should save money for your retirement all over again
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 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. 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
What will happen if you withdraw your retirement savings before you retire?
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 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. 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
What will happen if you withdraw your retirement savings before you retire?
A. You may have to pay penalties
B. You will fail to realize your goals
C. You retirement savings will become off-limits
D. You should save money for your retirement all over again
B. You will fail to realize your goals
C. You retirement savings will become off-limits
D. You should save money for your retirement all over again
参考解析
解析：细节题。根据关键词定位到原文段标号6“Don’t make a withdrawal until you retire You might incur penalties and it will be a setback for realizing your goals”可以得知，一旦提前取走养老金，就很可能面临罚款，故A项符合。B项绝对了，可能对实现自己的目标会有障碍，但并不是就实现不了，排除B项。文段表明的意思是尽量不要动用这笔养老的钱，而不是动用了就会冻结，因此排除。D项文段没有提及要不要重新缴纳的问题，故排除D项。因此答案选A。
相关考题：
We were surprised to hear Mr. Chen say that he was heading for retirement .He really doesn’t look that old.() 此题为判断题(对，错)。
He arrived home just in time to _______ his brother being taken away by the police. A.catchB. witnessC.caughtD. witnessed
It’s a problem that doesn ’ t need ( ) right now.A.to solveB.solvingC.being solvedD.to be solving
关于worth的Try to spend your time just Try to spend your time just on the things you find _________.A. worth doing them B. worth being done C. them worth doingD. worth doing
That sound doesn’t _____ in his language so it’s difficult for him to pronounce.[A] happen[B] take place[C] occur[D] run
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 goalsWho can be a financial professional?A. The professional who will do physical “check-up” for youB. The professional who will visit you like a doctorC. The professional who will schedule a meeting with youD. The professional who will help you make your financial plans
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?A. More than half of people don’t have enough finances for retirementB. A quarter of people don’t take part in their company’s retirement planC. No one can be financially secure in retirementD. The average person will spend 20 years in retirement
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 goalsWhat’s the main theme of the passage?A. How to find a good financial professionalB. The importance of retirement plansC. The scary facts about retirementD. How to make correct retirement plans
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 goalsAccording to the passage, retirement plans may be offered by____A. the governmentB. both the employer and the governmentC. the employerD. the employer the government and the media
Text 1 Roberta Gordon never thought she'd still be alive at age 76.She definitely didn't think she'd still be working.But cvery Saturday,she goes down to the local grocery store and hands out samples,earning$50 a day,because she needs the money.More and more older people are finding themselves in a similar situation as Baby Boomers reach retirement age without enough savings and as housing costs and medical expenses rise.Many people reaching retirement age don't have the Densions that lots of workers in previous generations did,and often have not put enough money into their 401（k）s to live off of.Other workers did not have access to a retirement plan through their employer.That means that as people reach their mid-60s,they either have to dramatically curtail their spending or keep working to survive."This will be the first time that we have a lot of people who find themselves downwardly mobile as they grow older:'Diane Oakley,the executive director of the National Institute on Retirement Security,told me."They're going to go from being near poor to poor."The problem is growing as more Baby Boomers reach retirement age-between 8,000 t0 10,000 Americans turn 65 every day,according to Kevin Prindiville,the executive director ofjustice in Aging,a nonprofit that addresses senior poverty.Older Americans were the only demographic for whom poverty rates increased in a statistically significant way between 2015 and 2016,according to Census Bureau data.While poverty fell among people 18 and under and people 18 t0 64 between 2015 and 2016,it rose to 14.5 percent for people over 65,according to the Census Bureau's Supplemental Poverty Measure,which is considered a more accurate measure of poverty because it takes into account health-care costs and other big expenses."In the early decades of our work,we were serving communities that had been poor when they were younger:'Prindiville told me."Increasingly,we're seeing folks who are becoming poor for the first time in old age."This presents a worrying preview of what could befall millions of workers who will retire in the coming decades.If today's seniors are struggling with retirement savings,what will become of the people of working age today,many of whom hold unsteady jobs and have patchwork incomes that leave little room for retirement savings?The current wave of senior poverty could just be the beginning.And this could have larger implications for the economy.If today's middle-class households curtail their spending when they retire,the whole economy could suffer.In the last paragraph,the author shows his about senior poverty problem.A.incapabilityB.worryC.anxieryD.agony
Text 1 Roberta Gordon never thought she'd still be alive at age 76.She definitely didn't think she'd still be working.But cvery Saturday,she goes down to the local grocery store and hands out samples,earning$50 a day,because she needs the money.More and more older people are finding themselves in a similar situation as Baby Boomers reach retirement age without enough savings and as housing costs and medical expenses rise.Many people reaching retirement age don't have the Densions that lots of workers in previous generations did,and often have not put enough money into their 401（k）s to live off of.Other workers did not have access to a retirement plan through their employer.That means that as people reach their mid-60s,they either have to dramatically curtail their spending or keep working to survive."This will be the first time that we have a lot of people who find themselves downwardly mobile as they grow older:'Diane Oakley,the executive director of the National Institute on Retirement Security,told me."They're going to go from being near poor to poor."The problem is growing as more Baby Boomers reach retirement age-between 8,000 t0 10,000 Americans turn 65 every day,according to Kevin Prindiville,the executive director ofjustice in Aging,a nonprofit that addresses senior poverty.Older Americans were the only demographic for whom poverty rates increased in a statistically significant way between 2015 and 2016,according to Census Bureau data.While poverty fell among people 18 and under and people 18 t0 64 between 2015 and 2016,it rose to 14.5 percent for people over 65,according to the Census Bureau's Supplemental Poverty Measure,which is considered a more accurate measure of poverty because it takes into account health-care costs and other big expenses."In the early decades of our work,we were serving communities that had been poor when they were younger:'Prindiville told me."Increasingly,we're seeing folks who are becoming poor for the first time in old age."This presents a worrying preview of what could befall millions of workers who will retire in the coming decades.If today's seniors are struggling with retirement savings,what will become of the people of working age today,many of whom hold unsteady jobs and have patchwork incomes that leave little room for retirement savings?The current wave of senior poverty could just be the beginning.And this could have larger implications for the economy.If today's middle-class households curtail their spending when they retire,the whole economy could suffer.Which of the following is true about Roberta Gordon?A.She has been through a lot to live till now.B.She often shops in grocery store,C.She definitely dislikes working.D.She is not alone in such a dilemma.
Text 1 Roberta Gordon never thought she'd still be alive at age 76.She definitely didn't think she'd still be working.But cvery Saturday,she goes down to the local grocery store and hands out samples,earning$50 a day,because she needs the money.More and more older people are finding themselves in a similar situation as Baby Boomers reach retirement age without enough savings and as housing costs and medical expenses rise.Many people reaching retirement age don't have the Densions that lots of workers in previous generations did,and often have not put enough money into their 401（k）s to live off of.Other workers did not have access to a retirement plan through their employer.That means that as people reach their mid-60s,they either have to dramatically curtail their spending or keep working to survive."This will be the first time that we have a lot of people who find themselves downwardly mobile as they grow older:'Diane Oakley,the executive director of the National Institute on Retirement Security,told me."They're going to go from being near poor to poor."The problem is growing as more Baby Boomers reach retirement age-between 8,000 t0 10,000 Americans turn 65 every day,according to Kevin Prindiville,the executive director ofjustice in Aging,a nonprofit that addresses senior poverty.Older Americans were the only demographic for whom poverty rates increased in a statistically significant way between 2015 and 2016,according to Census Bureau data.While poverty fell among people 18 and under and people 18 t0 64 between 2015 and 2016,it rose to 14.5 percent for people over 65,according to the Census Bureau's Supplemental Poverty Measure,which is considered a more accurate measure of poverty because it takes into account health-care costs and other big expenses."In the early decades of our work,we were serving communities that had been poor when they were younger:'Prindiville told me."Increasingly,we're seeing folks who are becoming poor for the first time in old age."This presents a worrying preview of what could befall millions of workers who will retire in the coming decades.If today's seniors are struggling with retirement savings,what will become of the people of working age today,many of whom hold unsteady jobs and have patchwork incomes that leave little room for retirement savings?The current wave of senior poverty could just be the beginning.And this could have larger implications for the economy.If today's middle-class households curtail their spending when they retire,the whole economy could suffer.People in their mid-60s have to cut down their spending because_____A.their social status is getting lowerB.their retirement plan failedC.they are in their downward course oflifeD.they face a shortage of savings and pensions
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.Which of the following is NOT true about retirement?A.More than half of people don’t have enough finances for retirement.B.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.
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?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.
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 ___.A.the governmentB.both the employer and the governmentC.the employerD.the employer, the government and the media
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.Who can be a financial professional?A.The professional who will do a physical “check-up” for you.B.The professional who will visit you like a doctor.C.The professional who will schedule a meeting with you.D.The professional who will help you make your financial plans.
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’s the main theme of the passage?A.How to find a good financial professional.B.The importance of retirement plans.C.The scary facts about retirement.D.How to make correct retirement plans.
Why does the author say at the beginning“The miserable fate of Enron’s employees will be a landmark in business history .？( ) A.Because the company has gone bankrupt. B.Because such events would never happen again. C.Because many Enron workers lost their retirement savings. D.Because it signifies a turning point in economic security.
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