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大学体验英语第四册Unit7-Passage B

时间:2007-01-17 16:00来源:互联网 提供网友:belle0920   字体: [ ]
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Many Baby Boomers Are Worried About Prospects1 for Retirement2
When Elizabeth Buras' father retires four years from now after 30 years with a lift repair company, he'll receive monthly checks from his company's pension plan and Social Security. He'll also receive income from his company's 401(k) retirement plan2 and from his own investments.  

 But the way Buras sees it, when retirement rolls around for her husband, a 35-year-old manager at a Houston computer consulting company, there's just going to be the money they've been socking away in their 401(k)s every month and whatever other personal savings3 they've scraped together by then.

 "A pension? I don't think so. Social Security? That's anybody's guess," says 32-year-old Buras, a stay-at-home mom. "I guess we're on our own."

 She's probably right. For Americans born in 1935, the year Social Security began, the average life expectancy4 was just 63 years. By the time Buras and her husband were born, life expectancy had jumped to 70 years. A lot more people are making it to retirement age and beyond, and that's expensive both for the government and for employers who are anxious to cut costs.  

?Unfortunately, a lot of future retirees haven't been paying attention - or they haven't started doing anything about it.

 Even though members of the older generation could look forward to more help with retirement and had lower expectations about maintaining their standard of living after retirement, they also tended to be more concerned about staying out of debt and saving as much money as possible, says Michael Booker, a certified5 financial planner with Financial Synergies Asset Management in Houston.
? The Depression had a profound effect on that generation.

?"When it comes to the future, many people today have this bulletproof mentality," says Booker. "That's scary ."

?Financial planners say what today's workers need to understand - what they may know intellectually but what hasn't truly sunk in yet - is that they can't count on anyone but themselves to pay for their retirement.
The most obvious reason is that Social Security, which averages $745 a month for today's retirees and accounts for 42 percent of their income, may not be there for all of tomorrow's retirees.
A lot of people think that the 6.2 percent siphoned from their paychecks into Social Security coffers will be held for them and returned when they're ready to retire.
Not so.
Their taxes go to today's retirees. When it's time for today's workers to collect their own gold pocket watches, they'll have to rely on taxes paid by those still on the job.
Unfortunately, the first of the baby boomers are just a decade away from retirement, and the United States isn't churning out as many workers as it used to.
Although Social Security currently has a surplus because of the baby boomers' contributions, a crisis may be looming6. According to the Social Security Administration, the number of Americans over 65 will double between 1990 and 2030, while the working-age population will grow only 25 percent.
That means there will be just two workers for every retiree, compared with 3.3 workers today. And many experts say that's optimistic.
Another major source of income for today's future retirees is also evaporating: Employers aren't taking as much responsibility for their employees' retirement as they used to.
More than twice as many employers offered pension plans in 1984 as in 1995, according to a survey by Watson Wyatt Worldwide, a pension consulting firm.
Smaller companies have dropped pension plans as costs have risen, says Chuck Bardwell at Watson Wyatt's Houston office, and even the larger companies' pension benefits aren't as rich as they used to be.
On the flip7 side, employees aren't as willing to stick around long enough to qualify for a satisfactory pension. They may fear getting laid off or they may just be restless.
"Life is moving so fast, with the modern couple spending so much of their time on work and raising their children, that they often don't look up until they're 50. By then it can be too late," says Booker.
It's a point that is not lost on Ken8 Buras.
"We're cognizant of what we need to be doing, but I don't think we've aggressively pursued it enough," admits Buras, who neither saves the maximum amount allowed in his 401(k) nor sets aside any money for other savings from his paycheck.
For the Burases, the big worry is saving enough money to put their 6-year-old child through college someday.
"We're more still looking 10 years ahead instead of 30 years ahead," says Elizabeth Buras. "I know that's not good, but that's the way we think."
White, a financial planner, says she has these simple words of advice for clients who don't take the long view: "If you don't send anything ahead, you won't have anything when you get there."


点击收听单词发音收听单词发音  

1 prospects fkVzpY     
n.希望,前途(恒为复数)
参考例句:
  • There is a mood of pessimism in the company about future job prospects. 公司中有一种对工作前景悲观的情绪。
  • They are less sanguine about the company's long-term prospects. 他们对公司的远景不那么乐观。
2 retirement TWoxH     
n.退休,退职
参考例句:
  • She wanted to enjoy her retirement without being beset by financial worries.她想享受退休生活而不必为金钱担忧。
  • I have to put everything away for my retirement.我必须把一切都积蓄起来以便退休后用。
3 savings ZjbzGu     
n.存款,储蓄
参考例句:
  • I can't afford the vacation,for it would eat up my savings.我度不起假,那样会把我的积蓄用光的。
  • By this time he had used up all his savings.到这时,他的存款已全部用完。
4 expectancy tlMys     
n.期望,预期,(根据概率统计求得)预期数额
参考例句:
  • Japanese people have a very high life expectancy.日本人的平均寿命非常长。
  • The atomosphere of tense expectancy sobered everyone.这种期望的紧张气氛使每个人变得严肃起来。
5 certified fw5zkU     
a.经证明合格的;具有证明文件的
参考例句:
  • Doctors certified him as insane. 医生证明他精神失常。
  • The planes were certified airworthy. 飞机被证明适于航行。
6 looming 1060bc05c0969cf209c57545a22ee156     
n.上现蜃景(光通过低层大气发生异常折射形成的一种海市蜃楼)v.隐约出现,阴森地逼近( loom的现在分词 );隐约出现,阴森地逼近
参考例句:
  • The foothills were looming ahead through the haze. 丘陵地带透过薄雾朦胧地出现在眼前。 来自《简明英汉词典》
  • Then they looked up. Looming above them was Mount Proteome. 接着他们往上看,在其上隐约看到的是蛋白质组山。 来自英汉非文学 - 生命科学 - 回顾与展望
7 flip Vjwx6     
vt.快速翻动;轻抛;轻拍;n.轻抛;adj.轻浮的
参考例句:
  • I had a quick flip through the book and it looked very interesting.我很快翻阅了一下那本书,看来似乎很有趣。
  • Let's flip a coin to see who pays the bill.咱们来抛硬币决定谁付钱。
8 ken k3WxV     
n.视野,知识领域
参考例句:
  • Such things are beyond my ken.我可不懂这些事。
  • Abstract words are beyond the ken of children.抽象的言辞超出小孩所理解的范围.
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TAG标签:   体验英语  综合教程  passage
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