1
A. Prepare for Rainy Days
B. Watch Your Spending
C. Get Aggressive
D. Start Saving
E. Set the Goal
F. Save More
Steps to Retire a Millionaire
Having a million-dollar portfolio is a retirement dream for many people. Making that dream come true requires some serious efforts. While success is never a sure thing, the steps outlined below will go a long way toward helping you achieve your objective.
1.
Vacations, cars, kids and all of life’s other expenses take a big chunk out of your paycheck. To maximize your savings, you need to minimize your expenses. Buying a home you can afford and living a lifestyle that is below your means and not funded by credit cards are all necessities if you want to boost your savings.
2.
If you don’t save, you’ll never reach your goal. As obvious as this might seem, far too many people never even start to save. If your employer offers a 401 (k) plan, enrolling in the plan is a great way to put your savings on autopilot. Simply sign up for the plan and contributions will be automatically taken out of your paycheck, increasing your savings and decreasing your immediate tax liability.
If your employer offers to match your contributions up to a certain percentage, be sure to contribute enough to get the full match. It’s like getting a guaranteed return on your investment. Finding the cash to stash may be a challenge, particularly when you’re young, but don’t let that stop you from pursuing future riches.
3.
Studies have shown that the majority of the returns generated by an investment are dictated by the asset-allocation decision. If you are looking to grow your wealth over time, fixed-income investments aren’t likely to get the job done, and inflation can take a big chunk out of your savings.
Investing in equities entails more risk, but it is also statistically likely to lead to greater returns. For many of us, it’s a risk we have to take if we want to see our wealth grow. Asset-allocation strategies can help you learn how to make picking the right mix of securities the core of your investing strategy.
4.
Part of long-term planning involves accepting the idea that setbacks will occur. If you are not prepared, these setbacks can put a stop to your savings efforts. While you can’t avoid all of the bumps in the road, you can prepare in advance to mitigate the damage they can do.
5.
Your income should rise as time passes. You’ll get raises, you’ll change jobs, and maybe you’ll get married and become a two-income family. Every time more cash comes into your pocket, you should increase the amount that you save. The key to reaching your goal as quickly as possible is to save as much as you can.
2
(2017·咸阳模拟)
A. Set up a meeting.
B. Make a shop list.
C. Think in silence.
D. Write to your parents.
E. Answer useful e-mails.
F. Do things as planned.
In these early days of 2017, it’s more important than ever to emphasize just how much of a difference the next 15 minutes can make in your day. Then, you perhaps make your new year a perfect future.
1.
Write a letter or an e-mail of gratitude to your parents. At first, this might sound a little strange, particularly if you don’t have the best relationship with your parents, but write a letter or an e-mail simply to thank your parents for having you. Even if you’ve lost them, even if you don’t know them, even if they weren’t great parents, you can still write this letter or e-mail. None of us would be here if our parents had not given birth to us, and that’s a unique bond that should not be ignored. You don’t even have to send it if you don’t want to, and the process will be great.
2.
Make a list of five immediate actions that need to be done in order for progress to be made on the big project (s) on which you are currently working. They don’t have to be big targets what you know to be absolute “musts” and take massive action on them without hesitation or fear.
3.
Answer that e-mail you need to get to. You know which one I’m talking about: that e-mail that you know is crying out for a response. Maybe it’s work-related, maybe it’s personal; it doesn’t matter. Respond immediately and clear it from your mind—your focus is needed elsewhere.
4.
Schedule a meeting that will move you forward. I’m talking about getting together with someone who has information that will be beneficial to you. This doesn’t have to be formal; in fact, it doesn’t even have to be related to your study at all. It can be dinner with a friend from whom you want some advice, for example. Just get that person on the phone, and then get that meeting on the calendar.
5.
Do absolutely nothing for 15 minutes straight. Yes, choosing to do nothing is, in fact, doing something. Spend 15 minutes in silence, giving your mind and spirit a chance to refresh and regroup. I promise that when the 15 minutes are up you will be able to return to whatever you’re working on with a new perspective (观点) .
答案解析
1
1. 【解析】选B。这一段主要讲述了如果你想扩大积蓄, 你就要把花费缩小到最少。由此可知选B。
2. 【解析】选D。这一部分主要讲述了要开始学会存钱。故选D。
3. 【解析】选C。这一部分主要讲述了投资具有一定的风险, 但是也要敢于投资。C项中的aggressive表示“侵犯 (略) 的, 挑衅的; 敢做敢为的”。C项表示“要敢于冒险”。
4. 【解析】选A。这一段主要讲述了要未雨绸缪。故选A。
5. 【解析】选F。这一段主要讲述了你要尽可能地多存钱。故选F。
2
【文章大意】15分钟看似很短暂, 但是利用好它可以给你一天的工作和生活带来不一样的精彩。本文为大家介绍了几种利用这15分钟的方法。
1. 【解析】选D。根据本段第一句“Write a letter or an e-mail of gratitude to your parents. ”可知选D。
2. 【解析】选F。根据本段中“Make a list of. . . ”可知是关于列计划的, 故选F。
3. 【解析】选E。根据本段第一句“Answer that e-mail you need to get to. ”可知选E。
4. 【解析】选A。根据本段第一句“Schedule a meeting that will move you forward. ”可知选A。
5. 【解析】选C。根据本段中“Spend 15 minutes in silence, . . . ”可知选C。
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