英语报刊选读期末考试B卷.docVIP

桂林理工大学期末考核试卷 （2014 学年度 春季 学期） 《 》 课程 (A /B 卷) 课程号 512060 考核形式 闭卷 考核日期 ２０14 年　9　月 日 考核时长 120 分钟 题　号 一 二 三 四 总分 分　值 １００ 实得分 统分人 核分人 得分 评卷人 一、阅读：段落匹配题（本大题共10小题，每小题2分，共20分） Protect Your Nest [A] Its never too early to protect your familys financial well-being. Yet because most of us are so busy juggling work and family commitments, we tend to neglect the things that dont require immediate attention. Some day, we think, well take care of the three essentials -- retirement savings, insurance coverage and estate planning. Unfortunately, emergencies can strike and then its too late. Failure to plan is a huge mistake, Barbara Raasch, managing director at Wealth and Tax Advisory Services, Inc., told us. [B] How can you avoid the should have, could have, would have scenario? By putting these three items at the top of your to do list -- protect your future, protect your family and protect your legacy(遗产). Protect Your Future [C] The national savings rate averaged around 0.4% for the first half of this year, according to the U.S. Department of Commerce, meaning Americans spent a whopping 99.6% of their after-tax earnings. Even more frightening, in July the savings rate dropped below zero. We all know we should save more. But with so many goals to save for -- a house, the kids college tuition, your retirement, occasional vacations and a small emergency fund -- its easy to feel theres just not enough money to do it all. [D] Budget. The first step is to create a budget. Once you know what youre spending your money on, you can figure out what you dont need to spend it on -- and sock those savings away. Every month you have to pay yourself first, says Joe Moglia, CEO of Ameritrade. Take a little out of your paycheck. It doesnt have to be much -- it could be foregoing(放弃) that extra latte or getting the DVD free at the library. [E] Retirement. Just about every survey of American