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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’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

　　1. 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。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。

　　2. Who can be a financial professional?

　　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。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。

　　3. 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。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。

　　4. 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

　　【答案】B。细节题。根据关键词定位到原文段标号5“If you have an employer or government pension plan learn all the details”可以得知，养老金的计划是涉及雇主和政府双方面的，故B项符合。其余三项都片面，没有说全。因此答案选B。

　　5. 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

　　【答案】D。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。

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