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’

题目

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
According to the passage, retirement plans may be offered by____

A. the government
B. both the employer and the government
C. the employer
D. the employer the government and the media

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相似问题和答案

第1题：

It’s a problem that doesn ’ t need ( ) right now.

A.to solve

B.solving

C.being solved

D.to be solving

参考答案：B

第2题：

That sound doesn’t _____ in his language so it’s difficult for him to pronounce.

[A] happen

[B] take place

[C] occur

[D] run

正确答案：C

第3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)。

参考答案：对

第4题：

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

答案：D

解析：

主旨题。根据文段的第一句话和文段整体的介绍，该文段就是意在让大家对养老重视，并且积极参加，所以就是如何很好的做出正确的养老计划。故D项符合文意。A项仅仅只是提到一方面，不是本文段的重点陈述的部分，故排除。B项本文段旨在让大家对于养老要清楚并积极参加养老，而且还给了很多中肯的建议。B项片面，只是说到养老的重要性。C项和文段向背离，故排除。因此答案选D。

第5题：

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
Which of the following is NOT true about retirement?

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

答案：C

解析：

是非题。从题目要求看这个题是一个细节题。A项我们可以在文段中定位出来“More than 50% of persons do not have enough finances for retirement”，排除A项。B项文段定位到“25%do not participate in their company’s retirement plan”a quarter就相当于25%，排除B项。D项定位“The average person spends 20 years in retirement”和D项几乎是同义替换，排除D项。C项文段只是说要耗费时间和金钱，但并没有说没有人在退休是有保障。故C项不符文意。因此答案选C。

第6题：

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 doing D. worth doing

【解析】you find worth doing是关系代词that（作find的宾语，that省略）引导的定语从句，worth doing是宾补。

答案是选择C 的。因为fine sth. doing.
而且是worth doing sth.
所以答案选择C。

应该选D。
worth doing

Try to spend your time just on the things you find

这句话是祈使句。Try to spend your time 是句子的主体。to spend是不定式宾语。your time是宾补。后面on是状语修饰time。you find worth doing 是修饰the things 的定语。things作为在定语从句中被修饰的宾语。因此后面没有them。所以AC不选。

worth是形容词。后面加doing。worth doing本身就有被动的意思。所以是值得被做的。doing是worth的补语。因此不能选B。

第7题：

A. The professional who will do 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

答案：D

解析：

细节题。我们可以将关键词进行定位，定位到标号为1的段落，所谓的金融专家，主要就是像是一个医生，主要对你目前的经济状况和未来的计划进行指导。因此D项符合文段。A项侧重身体健康检查，排除。B项指的就像医生定期来访，排除。C项指的是定期举行会议，这个是形式，但不是最终对金融专家的解释，排除。因此答案选D。

第8题：

He arrived home just in time to _______ his brother being taken away by the police.

A.catch

B. witness

C.caught

D. witnessed

参考答案：B

第9题：

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?

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

答案：A

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。

第10题：

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.incapability
B.worry
C.anxiery
D.agony

答案：B

解析：

态度方向题。根据定位词定位到文章最后一段。该段最后三句指出，当前的老年贫困浪潮可能只是一个开始。这可能会对经济产生更大的影响。如果现在的中产阶级家庭在退休后缩减开支，那么整个经济都会受到影响，故B项为正确选项。【干扰排除】A项“无能为力”、C项“焦虑”和D项“苦恼”均与作者态度不符，故均排除。

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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’

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