2015年北京师范大学艺术与传媒学院考博真题汇集.docVIP

2015年北京师范大学艺术与传媒学院考博真题汇集 各位考研的同学们，大家好！我是才思的一名学员，现在已经顺利的考上北京师范大学博士，今天和大家分享一下这个专业的考博真题，方便大家准备考博，希望给大家一定的帮助。 “A lot of people forget they have it, or they think that by waiting until theyre 65, theyll have a bigger benefit,” says Wayne Bogosian, president of the PFE Group, which provides corporate pre-retirement education. Your former employers should send you a certificate that says how much your pension is worth. If its less than $ 5,000, or if the company offers a lump-sum payout, it will generally close your account and cash you out. It may not seem like much, but $5,000 invested over 20 years at eight percent interest is $23,000. If your pension is worth more than $ 5,000, or your company doesnt offer the lump-sum option, find out how much money youre eligible for at the plans normal retirement age, the earlier age at which you can collect the pension, the more severe penalty for collecting it early. Youll probably still come out ahead by taking the money now and investing it. What if you left a job years ago, and youre realizing you may have unwittingly left behind a pension? Get help from the Pension Benefit Guaranty Corporation. It has an online search tool that has helped locate $47 million in lost benefits for more than 12,000 workers. If you have a traditional pension, retiring early costs more than you might expect. Most people assume you take a proportional cut for leaving before your plans normal retirement age. For example, you might think that if you need to accrue 30 years of service and you leave three years early, youd get a pension 90 percent of the full amount. But thats not how it works. Instead, you take an actuarial reduction, determined by the employer but often around five percent a year, for each year you leave early. So retiring three years early could leave you with only 85 percent of the total amount. When you retire early with a defined-contribution plan, the problem is you start spending investments on which you could be earning interest