[豆知识] 【整理】2011-10-30&11-05 退休储蓄

jessiyear

Bits-of-Knowledge-2011-10-30&11-05

 

Saving for Retirement

One day, we all want to retire. Retirement can be the saddest or happiest day of your life, which may largely depend on your saving for retirement. This episode of BOK will explain the basic ideas behind retirement accounts and the benefits of using a retirement account for financing a comfortable retirement.

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由jessiyear在 整理的参考文本：
One day, we all want to retire. After working for most of our lives, we imagine a time when we can stop working, and have choices in how we spend our time. Because we’re all living longer than ever before, it’s going to take even more money to support our retirement. The secret to a financially secure retirement is to start saving now. This is Saving for Retirement in Plain English.



Let’s meet two retirees make our first point. This is Simon. He and his wife worked hard to support their family and now they’re retired. They are happy, but feel insecure about money. An unexpected expense could put them in debt. To help, Simon has a part-time job at a hardware store. He’d prefer to be fishing or playing with his grandkids, but he doesn’t have a choice.



Next, let’s meet Caroline. Like Simon, she and her husband worked to support their family and now they’re retired. They live a relatively carefree life. They travel, spend a lot of time with family, and don't worry too much about money.



Both Simon and Caroline have a long life ahead of them, but Caroline and her husband learned early in life that saving a little bit of money over a long time can make sure that they retire comfortably. This wasn’t the case for Simon and his wife. They started saving too late.



To retire like Caroline, the first step is understanding how to save for retirement. The basic idea is to start saving now and save as much as possible over a long term. To start, you’ll need a place to save it. It’s usually called a retirement account and two examples are 401Ks and IRAs. Many employers offer a 401K program, or you can open an IRA yourself. Once you have an account, you add a little bit of your income to it on a regular basis, so the money you contribute over the years plus what it earns creates a fund, that’s ready to support your retirement. These accounts are meant for a lifetime of savings, so don't plan on touching it until retirement.



To get an account started, you’ll work with a representative to decide on an amount that you can contribute to the account with each paycheck. This way you don't have to think about it. Your retirement account grows automatically as long as you have income. And some employers even offer to contribute to your account too. That's free retirement money that will buy a lot of maitais. And remember, you have to pay tax on your income. By contributing part of your income to a retirement account, there’s less income that’s taxable with each paycheck.



The money in these accounts is usually invested in the stock market like a normal investment, but retirement accounts are different. Here’s why. When you invest in stocks normally, they hopefully grow in value. Each year, you have to pay taxes on the money as it grows. That’s tax money that could be making you more money. Retirement accounts are designed to protect you from having to pay taxes on your money as it grows year after year. This way, your money can grow faster over the long term. Of course, you’ll still have to pay taxes, but most retirement accounts make it possible to delay paying taxes until you withdraw the money. But even considering these taxes, you’ve been able to build a fund that will support a long and comfortable retirement.

由jessiyear在 整理的生词：
retiree: n. a retired person 退休者



carefree: adj. having no worries or problems 无忧无虑的



maitai: n. 鸡尾酒

wangqi1987

One day we all want to retire. After working for most of our lives, we imagine a time we can stop working and have choices on how we spend our time. Because we are all living longer than ever before, it is going to take even more money to support our retirement. The secret to a financially secure retirement is to start saving now.
This is saving for retirement in Plain English.
Let's * two retire * make a first point.This is Simon.He and wife were * support their family and retired. They are happy, but feel insecure about money. An expected expense could put them in dead. To help Simon has a part time job * store. He prefer to be fishing or playing with his grand kids, but he * have a choices.
Next, let * Caroline. Like Simon, she and her husband worked to support their family and now they are retired. They live relatively carefree life. They travel, spend a lot of time with families, and don't worry too much about money.
But Simon and Caroline have a long life *, but Caroline and her husband learned early in life, that saving a little bit of money over a long time could make sure they retire confortable. This wasn't the case for Simon and his wife, they start saving too late. To retire like Caroline, the first step is understanding how to save for retirement. The basic idea is to start saving now and save as much as possible over the long term.
To start, you need a place to save it, it's usually called the retire account. Two examples are 401-Ks and IRAs. Many employers offer 401-K program or you can open an IRA yourself. Once you have an account, you have a little bit income to a regular basis, so the money you contribute over the years plus what it earns create a fun that really disport your retirement. These accounts are meant for a life time to save it so don't plan on touch it until retirement.
To get the accout started, you work for the representative to sign it on * that you can contribute to the accout with each paycheck. This way you don't have to think about it, your retirement account grows automatically as long as you have income. And some employers even offer to contribute to your account too. That's free retirement money, that would buy a lot of my *.
And remember, you have to pay tax on your income. By contributing part of your income to your retirement account, there's less incomes taxable with each paycheck.

This post was generated by put listening repetition system,  Check the original dictation thread!

空空2156380451

One day ,we all want to retire,after  working  for most of our lives,we ma* the time that we can stop working and have choices on how we spend our time.because we all living longer than ever before and it's going to take even more money to support our retirement.the secret to the financial c*  retirement is to start saving now.this is seting for a retirement in planning mash,let me to retire risk to the first point.
this is sam,he and his  wife hard supported family and other retited.they are happy but feel secure of money,and next spected  spend couldn't put them in dead.To help, sam has a part time job of the hargeshed world,he perfered to be fishion a plan * but he  has  a chose, next let me care line.like sam ,she and her husband work to support their family and now they are retired, there  * care for their lifes,they travel,spend a lot of time with family and don't worry  too much about monney.but sam and * have long life hadident,but c* her husband leaned early in life,that setting a bit of monney of a  long time to make sure their tire comfortable.this wasn't cared sam and his wife, they started to set too late.to the tirelate care line the first step isnot understanding  to how to  save for the retiremnt,the best ideal is to  start to saving now and save as much as possible over the long time ,to start ,you need to place a save,retirement acamp  and two examples for one case are  iras,many employees offer * program ,or you can open  the IRA youself ,when you have account ,you have a little income to the a regguler bass,so the money you can  * over the years put what it  earns and  creates fine ,the * to support your retirement ,this  account amment for a life time saving,so don't plan a touch-in  to a retirement, to get a c* started ,you would repested  to the *,that you can each *, this way you don't hava to  think about it,your retirement account * as long as you have income,and some employers even offer contribute to you account too,that free retirement money that……,and rember you have to pay t* on your income ,retirement ,that is*  with each *.


This post was generated by put listening repetition system,  Check the original dictation thread!

猴KID

Homework
One day we all want to retire.After working for most of our lives,we imagine a time we can stop working and have choices in how we spend our time.Because we are all living longer than ever before,it's going to take even more money to support our retirement.The secret to a financially secure retirement is to start saving now.This is saving for retirement in plain english.Let's meet two retirees to make a first point.This is Simon.He and his wife were hard to support their family and now they are retired.They're happy,but feel insecure about money.An unexpected expense could put them in debt.To help,Simon has a part-time job at a hard work store.He prefered to be fishing or playing with his grandkids but he doesn't have a choice.Next,let's met Caroline.Like Simon,she and her husband worked to support their family and now they're retired.They live a relatively carefree life.They travel,spend a lot of time with family and don't worry too much about money.But Simon and Caroline have a long life ahead of them.But Caroline and her husband learned early in life that saving a little bit of money over a long time could make sure that they'll retire comfortably.This wasn't the case for Simon and his wife.They started saving too late.To retire like Caroline,the first step is understanding how to save for retirement.The basic idea is to start saving now and save as much as possible over the long term.To start,you need a place to save it.It's usually called retirement account.And two examples are 401-Ks and IRAs.Many employers offer a 401-K programme or you can open an IRA yourself.Once you have an account,you'll have a little bit of your income to it on regular basis.So the money you contribute over the years plus what it earns creats a fund that's ready to support your retirement.These accounts are meant for a life-time of savings,so don't plan on touching it until retirement.To get an account started,you'll work with the represetative to decide an ..amount that you can contribute to the account with each paycheck.This way,you don't have to think about it,your retirement account grows automatically as long as you have income.And some employers even offer to contribute to IRA account,too.That's free retirement money that will buy a lot of my tass.And remember,you have to pay tax on your income.By contributing part of your income to a retirement account,there is less income that's taxable with each paycheck.The money in these accounts is usually invested in the stock market like a normal investment.But retirement accounts are different.Here is why:When you invest in stocks normally,they hopefully grow in value.Each year,you have to pay taxes on the money as it grows.That's taxed money that could be making you more money.Retirement accounts are designed to protect you from having to pay taxes on your money as it grows year after year.This way,your money can grow faster over the long term.Of course,you'll still have to pay taxes.But most retirement accounts make it possible to delay paying taxes until you withdraw the money. But even in considering these taxes,you'll be able to build a fund that will support a long and comfortable retirement.

qif2004

One day ,we all want to retire.After working for most of our lives we measured the times we can stop working and have choices in how we spend our time.
This post was generated by put listening repetition system,  Check the original dictation thread!

漫游的小鱼

One day we all went to retired. After working for most of out lifives, we imagine the time that we can stop working, and have choices how we spend our time. Because we are all living * than it ever before, it is going to take even more money to support our retirement. The secret to out financial security retirement is to start saving now. This is saving for retirement in planning launch. That meet to retire risk maker first point. This is Simmom, he and his wife hard support to family. And they are retired they are happy, but feeling secure about money. But the unexpected expense could put them in dead. To help Simmom has a part-time job be a **.He prefer to be fishing a plan with his friend kids.But he does have a choice. Next, *Caraline like Simmom, she and her husband work to support their family and now they are retired. They live a relatively carefully life. They travel, spend a lot of time with family, and don't worry too much about money. But Simmom and Caraline have a long life *.But Caralion learned early in life.They are saving a lot of their money of a long time,to make the day retired comfortablely.This was the case of Simmom and his wife.They started saving too late.To retired like Caralion, the first step is understanding how to save for retirement.The basic idea is too start saving now.And save as much as possible over the long turn.To start you need a place to save it.It uses the retirement account and two examples are 401 case and IRAS.Many employmers offer a full one * program.You can open an * youself,what you have in accout,you *** your income to your regular basic,so the money you can should be over the years plus what the earns,* * ,that is ready to support your retirement. This acounts are made for a life time of saving.So don't plan on touch in ,until retirement.To get the accoutn started,you representive to decide on an amount that you can pay with GDA account whit each pay check.This way you don't have to think about it.Your retirement account grows automaticly as long as you have income.As some employers even offer to contribute to your account too.That's free retirement money that would buy a lot of my times.And remember you have to pay tax on your income,***income to your retirement,that is *** with each pay check.

This post was generated by put listening repetition system,  Check the original dictation thread!

jkkiki

One day we all want to retire.After working for most of our lives,we manage a time that we can stop working and have chances how we spend our time.But because we all live longer than ever before,it's going to take more money to support our retirement.The secret to a financial secure retirement is to start saving now.This is saving for retirement in planning .Let's me make a first point.This is Simon,he and his wife were tough to support the their family and now they retired.They are happy but feel insecure about money,and an unexpected expense could put them in dead.To help,Simon has a part-time job door.He prefers be fishing or playing with his grandkids,but he doesn't have a choice.Next,let me careline.Like Simon,she and her husband work to support their family and now they retired.They live care free life.They travel,spend a lot of time with family and don't worry too much about money.But Simon and Caroline have a long life hit them,but Caroline and her husband learned earlier life.That saving a little bit of money of a long time can make sure the day of retire comfortablely.This wasn't the case for Simon and his wife,they started saving too late.To retire like Caroline,the first step is understanding how to save for retirement.The basic idea is to start saving now and save as much as possible a little long term.To start,you need to plan to save it.It's used to called retirement account and two examples are 401-ks and IRAs. Many employers offer for a 401-k program or you can open an IRA yourself.Once you have an account,you gonna a little bit of income to a regular basis.So the money you can years plus what it earns create its fun that's used to support your retirement.These accounts are meant for a lifetiome saving,so don't plan on touch it until your retirement.To get the account started,you work for the representative to amount that you can contribute to the account in each pay check.This way you don't have to think about it.Your retirement account grows automaticlly as long as you have income and some players even offer to contribute to your account too.That's free retirement money that will buy a lot of my tax,and remenber you have to pay tax on your income by contributing part of your income to a retirement account.There's less income taxable with each paycheck.The money in this account is usually
This post was generated by put listening repetition system,  Check the original dictation thread!

jerrylvzy

One day,we all want to retire.After working for most of our lives,we imagine the time we can stop working and have choices and how we spend our time.Because we are all living longer than ever before,it's going to take even more money to support our retirement.The secret to a financially security retirement is just start saving now.This is saving for the retirement in plain english.Let's meet two retirees make our first point.This is Simon,he and his wife were hard to support their family and now they retired.They are happy.But feel insecure about money.An unexpected expense could put them in debt.To help,Simon has a part-time job but hard word store.He prefer to be fishing or play with his grand kids,but he doesn't have a choice.Next,let's meet Caroline,like Simon,she and her husband work to support their family and now they are retired.They live a relatively care free life,they travel,spend a lot of time with family and don't worry too much about money, both Simon and Caroline had a long life ahead them.But Caroline and her husband learned earlier in life,that's saving a little bit money over a long time could make sure that they were retired comfortably.This wasn't a case for Simon and his wife,they start saving too late.To retire like Caroline,the first step is understanding how to save for a retirement?The basic idea is to start saving now and save as much as possible over the long term.To start,you need a place to save it,it's usually called a retirement account,and two examples are for one case and RIA's.Many employers offer a for a one key program or you can open a RIA yourself.What you have account,you are a little bit income to it on the regular bases.So the money you contribute over the years,plus what it earns,crate a fun,that really do to support your retirement.These accounts are meant for a life time of savings,so don't play on touching it until retirement.To get the account started,you work for the representitive to decide on the amount that you contributed to the account with each pay check.This way, u don't have to think about it,your retirement account grows automatically as long as you have income,and some employers even offer to contribute to your account too.That's free retirement money,that'll buy a lot of my taxes.And remember, you have to pay tax on your income,by contributing part of your income to an retirement account,there is a less income that is taxable with each pay check.The money in these accounts is usually invested in the stock market like a normal investment.But retirement accounts are different.Here is why:When you invest in stocks normally,they hopefully grow in value.Each year,you have to pay taxes on the money as it grows.That's taxed money that could be making you more money.Retirement accounts are designed to protect you from having to pay taxes on your money as it grows year after year.This way,your money can grow faster over the long term.Of course,you'll still have to pay taxes.But most retirement accounts make it possible to delay paying taxes until you withdraw the money. But even in considering these taxes,you'll be able to build a fund that will support a long and comfortable retirement.

This post was generated by put listening repetition system,  Check the original dictation thread!

bravoz

HW
One day,We all want to retire.After working for most of our lives.We imagine a time when we can stop working and have choices on how we spend our time.Because we are all living longer than ever before,it's going to take even more money to support our retirement.The secret to a financially secure retirement is to start saving now.This is saving for retirement in plain English.
Let's meet to retirees to make our first point.This is Simen.He and his wife were hard to support their family and now they retired.They're happy but feeling insecure about money,an unexpected expense could put them in dead.To help,Simen had a part-time job at a hardware stop.He preferred to be fishing or playing with his grandkids,but he doesn't have a choice.Next,Let's meet Charoline.Like Simen,She and her husband worked to support their family and now they are retired.They live a relatively care-free life-the travel,spend a lot of time with family,and don't worry too much about money.But Simen and Charoline have a long life ahead of them.But Charoline and her husband learned early in life that saving a lot bit of money over a long time could make sure that they retire comfortably.This wasn't the case for Simen and his wife.They started saving too late.To retire like Charoline,the first step is understanding how to save for retirement.The basic idea is start saving now and save as much as possible over the long term.To start,you'll need a place to save it,it is usually called a retirement account,and too examples are ????.Money employers offer a 4-1-K programme,or you can open a X yourself.Once you have an account,you add a little bit your income to it on regular basis,so the money you contribute over the years,plus what it earns,creates a fund that is ready to support your retirement.These accounts are meant for a life-time of savings,so don't plan on touching it until retirement.To get an account started,you'll work with representative to decide on an amount that you can contribute to the account with each paycheck.This way,you don't have to think about it.Your retirement account grows automatically as long as you have income.And some employers even offer to contribute to your account too.That's free retirement mone that'll buy a lot of XX?.And remember,you have to pay tax on your income.by contributing part of your income to a retirement account,there is less income that's taxable with each paycheck.The money in these accounts is usually invested in the stock market like normal investment.But retirement accounts are different,here is why.When you invest in stocks normally,they hopefully grow in value.Each year,you have to pay taxes on the mone as it grows.That's tax money that could be making you more money.Retirement accounts are designed to protect you having to pay taxes on your money as it grows year after year.This way,your money can grow faster over the long term.Of course,you'll still have to pay taxes,but most retirement accounts make it possible to delay paying taxes until you withdrawl the money.But even considering these taxes,you'll be able to build a fund that will support a long and comfortable retirement.

漫游的小鱼

6# 漫游的小鱼

对自己第一遍听写的修改稿 红色部分为修改地方 ，还有后半部漏听的补充在后面

One day we all went to retired. After working for most of out lives, we imagine the time that we can stop working, and have choices how we spend our time. Because we are all living longer than ever before, it is going to take even more money to support our retirement. The secret to out financial security retirement is to start saving now. This is saving for retirement in plain launch. Let’s meet two retire risk maker first point. This is Simon, he and his wife hard support to family. And they are retired they are happy, but feeling secure about money. But the unexpected expense could put them in dead. To help Simon has a part-time job be a *store. He prefer to be fishing a plain with his grand kids. But he does have a choice. Next, Let’s meet Caroline , like Simon, she and her husband work to support their family and now they are retired. They live a relatively carefully life. They travel, spend a lot of time with family, and don't worry too much about money. But Simon and Caroline have a long life *.But Caroline and her husband learned early in life. They are saving a lot of their money of a long time, could make sure the day retired comfortablely. This was the case of Simon and his wife. They started saving too late. To retired like Caroline, the first step is understanding how to save for retirement. The basic idea is too start saving now. And save as much as possible over the long turn. To start you need a place to save it. It uses the retirement account and two examples are 401-Ks and IRAs. Many employers offer a 401-Ks program.Or you can open an IRAs yourself, once you have an account, you *** your income to your regular basic, so the money you can should be over the years plus what they earns, creates a fun ,that is ready to support your retirement. These accounts are made for a life -time of savings . So don't plan on touch it until retirement. To get an accounts started, you representative to decide on an amount that you can contribute to the account whit each Pay Check. This way you don't have to think about it. Your retirement account grows automatically as long as you have income. And some employers even offer to contribute to your account too. That's free retirement money that would buy a lot of my tax. And remember you have to pay tax on your income, buy contribute part of your income to your retirement account, there is a lesson complex taxable with each pay check. The money in Eastern account is usually investing in stocks market, like a normal investment. But retirement accounts are different. Here is why, when you invest in stocks normally, they hopely growing value each year you have to pay tax on the money as it grows that tax money may could be making you more money. But retirement accounts are designed to protect you from having the pay tax on your money as it grows year after year. This way your money can grow faster a little long turn, of course you still have to pay taxes but most retirement accounts make it possible to delay paying taxes until you ** money. But even considering these taxes you’ve been able to build the fund that would support a long and comfortable retirement.

zxluckice1818

One day we all went to retired. After working for most of out lifives, we imagine the time that we can stop working, and have choices how we spend our time. Because we are all living * than it ever before, it is going to take even more money to support our retirement. The secret to out financial security retirement is to start saving now. This is saving for retirement in planning launch. That meet to retire risk maker first point. This is Simmom, he and his wife hard support to family. And they are retired they are happy, but feeling secure about money. But the unexpected expense could put them in dead. To help Simmom has a part-time job be a **.He prefer to be fishing a plan with his friend kids.But he does have a choice. Next, *Caraline like Simmom, she and her husband work to support their family and now they are retired. They live a relatively carefully life. They travel, spend a lot of time with family, and don't worry too much about money. But Simmom and Caraline have a long life *.But Caralion learned early in life.They are saving a lot of their money of a long time,to make the day retired comfortablely.This was the case of Simmom and his wife.They started saving too late.To retired like Caralion, the first step is understanding how to save for retirement.The basic idea is too start saving now.And save as much as possible over the long turn.To start you need a place to save it.It uses the retirement account and two examples are 401 case and IRAS.Many employmers offer a full one * program.You can open an * youself,what you have in accout,you *** your income to your regular basic,so the money you can should be over the years plus what the earns,* * ,that is ready to support your retirement. This acounts are made for a life time of saving.So don't plan on touch in ,until retirement.To get the accoutn started,you representive to decide on an amount that you can pay with GDA account whit each pay check.This way you don't have to think about it.Your retirement account grows automaticly as long as you have income.As some employers even offer to contribute to your account too.That's free retirement money that would buy a lot of my times.And remember you have to pay tax on your income,***income to your retirement,that is  with each pay check.

This post was generated by put listening repetition system,  Check the original dictation thread!

gloria518

Homework
One day we all want to retire. After working for most of our lives, we imagine the time we can stop working and have choices in how we spend our time.Because we are all living longer than ever before,it's going to take even more money to support our retirement.The secret to a financially secure retirement is to start saving now.This is Saving for Retirement in Plain English.Let's make two retirees to make our first point.This is Simon.He and his wife worked hard to support their family and now they are retired.They're happy but feel insecure about money.An unexpected expense could put them in debt.To help,Simon has a part-time job at a hardware store.He prefered to be fishing or playing with his grandkids but he doesn't have a choice.Next,let's make Caroline. Like Simon,she and her husband worked to support their family and now they're retired.They live a relatively carefree life.They travel,spend a lot of time with family and don't worry too much about money.But Simon and Caroline have a long life ahead of them.But Caroline and her husband learned early in life that saving a little bit of money over a long time could make sure that they'll retire comfortably.This wasn't the case for Simon and his wife.They started saving too late.To retire like Caroline,the first step is understanding how to save for retirement.The basic idea is to start saving now and save as much as possible over the long term.To start,you need a place to save it.It's usually called retirement account.And two examples are 401-Ks and IRAs.Many employers offer a 401-K programme or you can open an IRA yourself.Once you have an account,you'll have a little bit of your income to it on regular basis.So the money you contribute over the years plus what it earns creats a fund that's ready to support your retirement.These accounts are meant for a life-time of savings,so don't plan on touching it until retirement.To get an account started,you'll work with the represetative to decide an amount that you can contribute to the account with each paycheck.This way,you don't have to think about it,your retirement account grows automatically as long as you have income.And some employers even offer to contribute to IRA account, too.That's free retirement money that will buy a lot of my tax. And remember,you have to pay tax on your income.By contributing part of your income to a retirement account,there is less income that's taxable with each paycheck. The money in these accounts is usually invested in the stock market like a normal investment.But retirement accounts are different.Here is why. When you invest in stocks normally,they hopefully grow in value.Each year,you have to pay taxes on the money as it grows.That's taxed money that could be making you more money.Retirement accounts are designed to protect you from having to pay taxes on your money as it grows year after year.This way,your money can grow faster over the long term.Of course,you'll still have to pay taxes.But most retirement accounts make it possible to delay paying taxes until you withdraw the money. But even in considering these taxes,you'll be able to build a fund that will support a long and comfortable retirement.

aionkid163

HW

    One day,we all want to retire.After working for most of our lives,we imagine the time we can stop working and have choices and how we spend our time. Because we are all living longer than ever before, it's going to take even more money to support our retirement.       The secret to a financially security retirement is just start saving now.This is saving for the retirement in plain english.Let's meet two retirees make our first point.This is Simon, he and his wife were hard to support their family and now they retired.They are happy. But they feel in* about money. An unexpected expense could put them in debt.To help, Simon has a part-time job but hard word store.He prefer to be fishing or play with his grand kids, but he doesn't have a choice.Next, let's meet Caroline,like Simon,she and her husband work to support their family and now they are retired.They live a relatively care free life,they travel,spend a lot of time with family and don't worry too much about money, both Simon and Caroline had a long life ahead them.But Caroline and her husband learned earlier in life,that's saving a little bit money over a long time could make sure that they were retired comfortably.This wasn't a case for Simon and his wife,they start saving too late.To retire like Caroline,the first step is understanding how to save for a retirement? The basic idea is to start saving now and save as much as possible over the long term.To start,you need a place to save it,it's usually called a retirement account,and two examples are for one case and RIA's.Many employers offer a for a one key program or you can open a RIA yourself.What you have account,you are a little bit income to it on the regular bases.So the money you contribute over the years,plus what it earns,crate a fun,that really do to support your retirement.These accounts are meant for a life time of savings,so don't play on touching it until retirement.To get the account started,you work for the representitive to decide on the amount that you contributed to the account with each pay check.This way, u don't have to think about it,your retirement account grows automatically as long as you have income,and some employers even offer to contribute to your account too.That's free retirement money,that'll buy a lot of my taxes.And remember, you have to pay tax on your income,by contributing part of your income to an retirement account,there is a less income that is taxable with each pay check.The money in these accounts is usually invested in the stock market like a normal investment.But retirement accounts are different.Here is why:When you invest in stocks normally,they hopefully grow in value. Each year,you have to pay taxes on the money as it grows.That's taxed money that could be making you more money.Retirement accounts are designed to protect you from having to pay taxes on your money as it grows year after year.This way,your money can grow faster over the long term.Of course,you'll still have to pay taxes.But most retirement accounts make it possible to delay paying taxes until you withdraw the money. But even in considering these taxes,you'll be able to build a fund that will support a long and comfortable retirement.

mandyycn

hw
One day, we all want to retire. After working for most of our lives, we manage times we can restart working and we have choices how we spend our times. Because we are all working for a long time ever before, it's going to taking even more money to support our retirement. The secret to financial security retirement is that start saving now. This is saving for retirement in planningish.
Let's meet two retirists to make our fisrt appointment. This is Simmon, he and his wife are touch support their family and now they retired. They are happy but feel only security about money, and unexpectedly their expenses couldn't put them in debts. To help Simmon has a part time job but a hard store. He put it be fishing a planning it in granperice but he hasn't a choice.
Next let's meet Caroline. Like Simmon she and her husband work to support their family  and now they retired. They delivery their careful life they travle spend lots of time with family and don't worry too much about money.
But Simmon and Caroline have a long life to handle them. But Caroline and her husband learnt it at earlier life. They've been saving a little bit of money over a long time that would make them sure to retire comfortably.
This wasn't a case for Simmon and his wife, they started saving money too lately. To retire like Caroline, the first step is understanding how to save for the retirement. The basic idea is to start saving now, and save as possible over a long term. To start, you need place to save it. If you choose a retirement account, and two examples are for one case and IRAS. Many empolyees offer one for a programme or you can open IRAS yourselves. Watching you open an account , you would pay a little bit of income on regular bases. So the money you can contribute over years plus what it earn's created a fund that's truely support Euro retirement. This account amment for lifetime savings, so don't plan to touch it untile retirement.
To get to start to use it, your work for representive to sign on a amount that you can contribute an account for each paycheck.
This way you don't have thinking about it, your retirement account is automatically as long you have income, and somel employees even offer to contribute your account too. That's free of retirement money that will buy a lot for my times.
And remember you have to pay tax on your income, but contribution income for an retirement account that's less income taxable for each paycheck. The money need an account is usually start

kelsy

Homework  2011-10-30&11-05 退休储蓄
One day, we all want to retire. After working for most of our lives, we imagine a time we can stop working and have choices and how we spend our time. Because we are all living longer than ever before, it’s going to take even more money to support our retirement. The secret to a financially secure retirement is to start saving now. This is saving for retirement in plain English. Let’s meet two retirees to make our first point. This is Samon. He and his wife worked hard to support their family and now they retired. They are happy, but feeling insecure about money. An unexpected debt could put Samon to dead. To help, Samon has a part-time job in a hardware store. He prefers to be fishing and playing with his grand kids. But he hasn’t had a choice. Next, let’s meet Carole. Like Samon, she and her husband worked to support their family. And now they retired. They live a relatively carefully life. They traveled, spent a lot of time with family and don’t worry too much about money. But Samon and Carole have a long time ahead of them. But Carole and her husband learned early in life, that’s saving a little bit of money over a long time to make sure they retired comfortably. This wasn’t the case for Samon and his wife. They started saving too late. To retire like Carole, the first step is understanding how to save for retirement. The basic idea is to start saving now and save as much as possible over a long term. To start, you’ll need a place to save it. It’s usually called retirement account. And two examples are 401-Ks and IRAS. Many employers offer a 401-K program or you can open an IRA yourself. Once you have an account, you have a little bit of income to it on regular bases. So the money you contribute over the years. Plus, what it earns, creates a fund that’s related to support your retirement. These accounts are meant for a life-time of savings. So don’t plan on toughing it until you retirement. To get the account started, you work with representative to decide on an amount that you can contribute to the account with each pay check. This way, you don’t have to think about it. Your retirement account grows automatically as long as you have income. And some employers even contribute to your account, too. That’s free retirement money. They’ll buy a lot of my times. And remember, you have to pay tax on your income. My contributing part of income to a retirement account, there’s less and complex taxable with each pay check. The money in these accounts is usually invested in the stock market like a normal investment. The retirement accounts are different. Here’s why. When you invested stocks normally, they hopefully grow in value. Each year, you have to pay taxes on the money as it grows. That’s tax money that could be making you more money. Retirement accounts are designed to protect you from having to pay taxes on your money as it grows year after year. This way, your money can grow faster over a long term. Of course, you’ll still have to pay taxes. But most retirement accounts make it possible to delay paying taxes until you withdraw the money. But even considering these taxes, you’ll be able to build a fund that’ll support a long and comfortable retirement.