9上英语U3 p23页 self check 2的文章怎么写
3 rules for a happy retirement
Research reveals it's how you manage your time and money that counts, not just how much you've got.
By Walter Updegrave, MONEY Magazine senior editor
January 13, 2006: 11:36 AM EST
NEW YORK (MONEY Magazine) - What can you do to ensure you'll be happy after you retire? The answer might seem obvious: Just sock away as much as you can in your 401(k). The bigger your nest egg, the happier your retirement will be, right?
Not quite. Having a bundle of money certainly helps, but not nearly as much as you might think, according to a growing body of research on retirement satisfaction.
In one study last year, for example, University of Wisconsin ilwaukee economist Keith Bender found that an extra $10,000 of wealth increases the odds that a retiree will rank among the most satisfied by less than 1 percent.
So how can you boost the likelihood that you'll have a fulfilling retirement? Insights from "happiness researchers" suggest the following strategies can help.
Create a steady income
Retirees with a traditional pension who get a monthly check for life have been found to be more content than those with the same level of wealth but only a 401(k). "People feel more secure when they don't worry about outliving their money," says Stan Panis, a manager with Deloitte Financial Advisory Services.
And retirees who have both a pension and a 401(k) are even happier, buoyed by the security of a guaranteed income plus a pool of cash to pay for unexpected expenses. Traditional pensions are going the way of the Nehru jacket, but you can create the equivalent of one on your own.
How? By investing a portion of your 401(k) or other savings in an "income annuity," which will pay you a guaranteed income as long as you live. You can get price quotes from several annuity issuers, as well as their financial strength ratings, at a site like Immediateannuity.com. [See more in a recent Ask the Expert column, "Income for life."]
Keep active -- to a point
Staying engaged in a variety of activities also increases your shot at an enjoyable retirement. Urban Institute economist Barbara Butrica found that retirees who both worked and volunteered were 13 percent more likely to consider themselves very satisfied than those who didn't.
But you can't hustle and bustle your way to retirement nirvana. The boost in satisfaction trailed off for retirees who worked or volunteered more than 200 hours a year, and the positive effect seemed to disappear at 500 hours.
Motivation also mattered. People who worked because they needed the income, rather than for enjoyment, actually felt less satisfied about their retirement. The moral: Be careful that the activities you pursue don't become too much like, well, work.
Try to control your exit
Bender's work shows that people who left their jobs voluntarily were 30 percent more likely to be happiest in retirement than those who were pushed out.
One reason: People who retire on their own schedules have had a better opportunity to get their postwork finances in order. They're also better prepared psychologically. "If you're humming along and suddenly things don't work out as planned," says Bender, "it can be quite a shock."
You can't control whether you'll have to stop working because of ill health or a downsizing, which account for 75 percent of involuntary retirements. But while it's tough to think about, it pays to recognize the possibility and do some advance planning -- say, looking into your options for taking Social Security and getting health insurance to tide you over until you qualify for Medicare. Then, if you do get the boot, you won't be caught totally off guard.
A final, happy note: Studies show older retirees tend to feel better about their lives than younger ones. So if you've tried to improve your situation and it still isn't going well, hang in there. Chances are that life, like fine wine, will improve with age.
Dear Gina,
I just came back from Beijing.I went to Beijing with my family.I visited the aquqrium.There were some animalsin it.It was sunny.Beijing's food was very delicious.We bought some souvenirs.I really want to go there qgain.
I would like to reply to the article"Helping and Learning"in your last newsletter.I agree with some ideas and disagree with others.The article said that students should be allowed to volunteer more often.I think it's a good idea because volunteering is good for future jobs.However,I don't agree that the students should visit primary schools and help teach young students.I think we are just students.We have no experience in teaching.We should do something we can.
Yours,
a reader
学英语要加油啊！呵呵!:-)
钟离鸿爽宁： Dear Editor, I would like to reply to the article＂Helping and Learning＂in your last newsletter.I agree with some ideas and disagree with others.The article said that students should be allowed to volunteer more often.I think it's a good idea because ...
万安县18178241440： 新目标英语九年级上 U3 self check原文 - ？
钟离鸿爽宁：[答案] Helping and learning At our school,we sometimes have a special day to help others.Last year we went to an old people's home and sang songs and performed a play for them.The old people were very happy.We should be allowed to take time to do ...
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万安县18178241440： 求新目标人教版初三英语第三单元Self check中的《Helping and learning》这篇英语短文急谢谢？
钟离鸿爽宁： 新目标英语 http://www.tingroom.com/about/39647.html
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钟离鸿爽宁： 给下那5个单词吧
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钟离鸿爽宁： Unit 3 journal ['dʒɜːn(ə)l] n. 日记;杂志;定期刊物 transport ['trænspɔrt] n. 运送;运输 vt. 运输;运送 prefer [prɪ'fɜː] vt. 更喜欢;选择某事物(而不选择其他事物) disadvantage[,dɪsəd'væntɪdʒ] n. 不利条件;不便之处 fare [fɛr] n. ...
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