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[豆知识] 【整理】2011-10-30&11-05 退休储蓄

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[Homework]2011-10-30&11-05 退休储蓄

one day we all retired ,after we working for most of our lives,we imagine times we can start working and have choices and spend our time,because we all living more longer before. It's going to take even more money to support our retirement. The secret to financial secure retirement is to start saving now.
    This is saving for retirement and replanish.Let's meet two retirees to make first point.this is simon ,he and his wife is hard to support the family and now they retired.they're happy and but feeling insecure about money.and another could  them dead.to help simon have part-time job but hardware store.He prefer to be fishing or plays with grandkids.But he doesn't have choice.next let's meet caroline
    Like simon,she and her husband work to support the family,and now they retired ,they relatively care for their lives. They travell and spend a lot of time with family and don't worry too much about money. But simon and calorine have long life hadethen.calorine and her husband learn early in life,they saving a little bit of money of long time could make sure they retired comfortablely.This wasn't sort of case for simon and his wife ,they sort of saving too late.to retired caroline,the first step is understanding how to save for retirement.The basic idea is starting saving now and save as much as possible over the long turn.To start you need to place to save it.
    If you choose to retirement account ,and two examples or for one case and ires.Many employees offer four one case programs or you can oppen Iry yourself. want you have a count you X little bit income to it and regular basis so you can contribute over the years plus what you earns.creates its fun  disport your retirement,this count ment lifetime savings,don't play touching it until retirement,to get count started you worked representive to decide on your mount ,you can contribute to the account to each paycheck.
   This way you don't have to think about it,your retirement account grown automactically as long as you have income,and some employees also contribute your account too, that's free retirement money,they will buy a lot of my tacs.and remember you have to pay tex of your income, by contributing your income to your retirement account,there is lesson come texible with each paycheck.the money and these account is usely investing

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

[Homework]2011-10-30&11-05 退休储蓄

HOMEWORK:
One day,we all went to retire.After working for most of our lives,we imagine a time we can stop working and have choices of 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 finace secure retirement is to start saving now,this is saving for retirement in plain english. Let's meet two retire risk to make our first point.This is Simon,he and his wife worked hard to support their family,now they are retired,they are happy,but feeling insecure about money.An unexpected exp could put them in debt,to help,Simon has a part-time job in school.He prefer to be fishing,or playing with his grandkids,but he doesn't have a choice.Next,let's meet Careline,like Simon, she and her husband worked to support their family and now they are retired.They live a relatively carefree life,they travel,spend lots of time with family,and don't worry too much about money.But Simon and Careline have a long life behind them ,but Careline and her husband learn early in life,that saving a little bit of money of a long time could make sure their retire comfortable.This wasn't the case for Simon and his wife, they start to saving too late.To retire like Careline,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 turn.To start ,you need the place to save it,it's usually  called the retirement account,and two examples are 401-s and IRAs.Many employers offer a 401-s programme,or you can open a IRA yourself.

This post was generated by put listening repetition system,  Check the original dictation thread!
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[Homework]2011-10-30&11-05 退休储蓄

one day, we all want to retire, after working for most of our lifes, we are imaging a time that we can stop working and have choices and how we spend our time. because we are all living as longer as ever before, it's going to take a even more time to support our retirement, the secret to a finally sucrity retirement is to start saving now. this is saving for retirement in plain English. Let's meet to retire a risk make a first point.. This is Simon, he and his wife work hard to support his family and now they are retired, they are happy but feel unsecure about money. but than expected spends, could  than dead, to help, simon has a part time job at xx store. he prefered to be fishing a playing with his grandkids,but he doesn't have a choice. next, let's meet carrxx, like simon,she and her husband work to support their family and now they are retired. they lived a relatively carefully life, they travel, spend a lot of time with family, and don't worry about too much about money. but simon and carryxx had a long life had them, but carrxx and her husband learned early in life, that saved a little bit of money of a long time could make sure that they've retired comfortabely. This wasn't the case for simon and his wife, they started to saving too late, to retire like carrxx, 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 to a place to save it, it's usually call it a retirement account and 2 examples are xx and IRAs. many employees offer a xx program or you can open an IRA yourself. once you have an account, you have a xx income to it on a regular basis, so the money you can choose it over years, plus what it earns create its fun, thay really disport your retirement. these accounts are meant for a  life retirement savings, so don't play on touching it untill retirement, to get an accont started, you work for the representative to the site on the amount that you can contribute to the account with each pay check. this way you don't have to think about it, you have a retirement account grows automatically.  as long as you have income, and some employees even offer to contribute to ER account too. that's free retirement money. that would buy a lot of stocks, and remember you have to pay tax on your income, by contributing part of your income of your retirement account, there's less of income taxable with each of pay check, the money in these accounts is usually investigated in start  

This post was generated by put listening repetition system,  Check the original dictation thread!
实现无障碍英语沟通

[Homework]2011-10-30&11-05 退休储蓄

本帖最后由 hgdempire 于 2011-11-6 08:19 编辑

Homework:
one day, we all want to retire. After working most of your life,we measure a time we can stop working and have choices and how to spend the time. Because of all living long ever before, it is going to take even more money to support our retirement,the sicurity to a financial retirement  is start to save now. This is saving for a retirement in playing.  let me two retirement read make a first point. This is Simon, he and his wife was hard to support a familly retirement, they are happy, but they only  sicurity money, and an expect spend could be payment dead. but help, they only simon has a part time job and a havous store. he prefer to be fishing ,a play with theire kids, but he isn't has a choice.Next , let me care life. Like Simon, she and her husband work suppot a familly and now they are retire, they live a very carefully life. They travel, spend all his life with his familly, and don't worry  too much about money,  but Simon carelife have a long life for have them. But carelife and her husband learn earlier life,that saving a little bit money of a long time could make sure the date time xxxx, this wasn't the case simon and his wife, this is sort of saving too late . To retirement like a carelife, the first step is undersanding  how to save for retirement. The basic idea is start saving now and saving as much as possible as a long term. To start, use a place to  save it, if use it for recall a retirement account, a 2 example of 401K is RIA, many employ offer an 401K program, or you can irate yourself, what you have a account, you are avaiable ability to income to available basees, so the money you can save over the years, plus what it earn,  creat a fun, that is already your support your retirement , this is account a man for a lifetime saving, so don't plan on touching it until retirement, to get an account started , you work for represented  to the side on the mouth, you can contribute  it to TDA account with each paytax. This way, you don't have to think about it, your all  retirement acount go as auto medically as long as you have income, and some of employer even offer to contribute to year account too , that is free retirement money , that will by a lot of my tax , and remember , you have to pay tax on your income, my contribute part of income retirement account that is lesson come to taxible with each paytax ,the money on each account is usually ....
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[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 the time that we can stop working and have ...and how we spend our time because we are all living longer than before it's going to take even more money to support our retirement the secret to a financial secure retirement is to start saving now this is saving for an retirement in planning let me to retire list to make a first point ,this is simon his wife for hard support their family and neither retired they are happy but feeling insecure about money anther expect expense could put them in dead to help simon has a part time job at a ... store he preferred to be fishing or playing with grandkids but he doesn't have a choice next let me ...  like simon she and her husband work to support their family and now they are retired they live a very carefully life they travel spend all the time with family and don't worry too much about money but simon and ... have a long life ahead of them but ... and her husband learned earlier life that's saving a little bit money of a long time could make sure the ... comfortably  this wasn't a case for simon and his wife they start saving too late to retire like C the first step is understanding how to save for retirement the basic idea is to start saving now and save as much as possible of a long term to start you need a place to save it usually cost the retirement account and two examples are ... and iras many employers offer for a one k program or you can open a ira yourself once you have an account you have borrowed a little bit of your income to a ... bases so the money you can ... over the years plus what they earns creates a fun thats really support your retirement this accounts are meant for a life time of savings so don't plane on touching it until retirement to get the account started you work the represented to the side that on the mount that you can ... 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 ...account too that's free retirement money they will buy a lot of my taxes and remember you have to pay tax on your income like .... pate of your income ...
This post was generated by put listening repetition system,  Check the original dictation thread!

[Homework]2011-10-30&11-05 退休储蓄

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.
This post was generated by put listening repetition system,  Check the original dictation thread!
one day we all want to retire
after working for most of our lifes, we imagin that we can stop working and have choices 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 retirements
the secrect to financally secrue retirements is to start sving now
this is saving for retirement in plain english
let's meet two retirees to make our first point
this is simon. he and his wife worked hard to support their family and now they retired
they are happy but feeling secrute about money
and an unexpected expense would put them in dead
to help, simon had a part-time job in the @#$#@ store.
he prefer to be fishing or playing with his grandkids, but he hasn't had a choice
Next. let's meet Caely, like simon, she and her hasband worked to support the family and now they retired
they live a relatively carefree life.
they travel, spend a lot of time with family and don't worry too much about money
but Caely and simon had a long life @#$@#.but Carly and her husband learned early in life that saving a little money over a long time would make sure that they retire comfortably
this wasn't the case for simon and his wife
they started saving too late
to retire like Caely, the first step is  understanding how to save for retirement
the basis idea is start saving now and save as much as possible over the long term
to start, you need a place to save it
it usually call a retirement account
and two example are 401-K and IRA
many employers offer 401-K program or you can open an IRA yourself
when you have an account, you have a little bit of your income to it on a regularly basis
so the money you contribute over the years plus when it earn create a fund to support your retirement
this account are meant for a life-time saving
so don't plan on touching it until retirement
to get an account started, you can work with representive to sign 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 is atomatically 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 type
and remember, you have to pay tax on your income
by contributing part of your income to the retirement account, there is less  income taxable with each paycheck
the money in this account is used in the stock market as a normal investment
but retirement accounts are different
here is why
when you invest in stock normally, they hopefully grow in value
each year you have to pay taxes on the money as it grows
that taxs money could be making you more money
retirement accounts are designed to protect you from pay taxes for your money as it grows year after year
this way your money can grow faster than long term
of course, you still have to pay taxs, but most of your retirement account make it possible to delay paying taxes until you withdraw the money
but even considering these taxes, you will be able to build a fund that would support a long and comfortable retirement
实现无障碍英语沟通

[Homework]2011-10-30&11-05 退休储蓄

One day we all want to retire.After working for most of our life,we imagine the time we can stop working and have choices 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 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 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 ... 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 careful 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 ...
This post was generated by put listening repetition system,  Check the original dictation thread!
普特听力大课堂

[Homework]2011-10-30&11-05 退休储蓄

One day,we all went to retire.After working for most of our lives,We are mensioned a time that we can start working and have choices about 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 retirements.The secret to a finacially secure retirement is to start saving now.This is saving for a retirement in planning much.Let's meet to retire .. make a first point.
This is Simon.He and his wife for ..to support their family and now they are retired.They are happy,but feel unsecured about their money.Another expected expect could ...dead.To help,Simon has a part time job at a hard work store.He prefered be fishing and playing with his grandkids,but he doesn't have a choice.
Next,let's meet Caraline. Like Simon,she and her husband worked to support their family and now they are retired.They are relatively  care free life.The y travel,spend a lot if time with family,and don't worry too much about money.
But Simon and Caraline have a long life...But Caraline and her husband earned early in life,that's saving a lot bit money of a long time could make sure the favourite retirement comfortablely.This wasn't the case of Simon and his wife,they started saving too late.To retire Caraline,the first step is understanding how to save for retirement.The basic idea is to start saving now and saving is much possible over the long term.To start,you need a place to save it.It usually called a retirement account.And two examples are for one case and IRAS.
Many employers offer a one...program,or you can open an ...yourself.Watch you have in account,you have a lot of bit income to your regular basis.So the money you can ...over the years plus what it earns create its fun that you are ready to support your retirement.
These accounts are meant for a life time of savings.So don't plan on touching it until an retirement.To get the account started,you work with the 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 offer to contribute to your account,too.That's free retirement money that will buy a lot of my tasks.
And remember,you have to pay tax on your income.My contributing to income to an retirement account ,there is less incomes taxable with each pay check .The money in these accounts is usually invested in a start.

This post was generated by put listening repetition system,  Check the original dictation thread!
好栏目推荐之美国口语俚语

[Homework]2011-10-30&11-05 退休储蓄

one day we all want to retire. actual working for most our lives, we imagine a time we can start working and having choices how we spend our time because we all living longer than before is going to take more money to support our retirement. the secret to our retirement is to start saving now. this is saving for a retirement in XX. let me to retire to make a first point, this assignment, he and his wife are tough supporting their family, and now they are retired. they're feeling happy, but feeling secure about money, and expected the expense could put them in dead. to help, simon has a part time job XX a harbour store. he preferred to fishing and playing with his grandkids. but he has a choice. next, let me XX. like simon, she and her husband work to support their family, and now they are retired. they live relatively care a free life. they travel, spend almost their time with their family, and don't worry too much about money. but simon caroline have a long life XX. but XX and her husband earned an early life that saving a little bit of money for a long time could make sure the favor retire feel comfortably. this wasn't the case that simon and his wife that they started to saving too late. to caroline, the first step is to understand how to save from retirement. the basic idea is to start saving now as much as possible in a long tern. to start, you need a place to save it. XX the retirement account and too examples are for in one case and IRAS. many employeers offer a four one A program or you can open an XX yourself. won't you have an account, you have a little bit income on your regular bases. the money you can XX over the years. what they earn creat a fun that to really support your retirement. this counts a lifetime saving. so don't plan to touch it until your retirement. to get the count started, you work representative to the side on that amount. 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. of some employeers, even of to contribute your count too. that's free retirement money. they are alert of my tax. and remember, you have to pay your tax of your income by contributing part of your incomes to a retirement account. there's less pay account as you pay with each pay check. the money and its counts are usually...
This post was generated by put listening repetition system,  Check the original dictation thread!

[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 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.
This post was generated by put listening repetition system,  Check the original dictation thread!
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
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20111105
One day, we all want to retire. After working for most of our time, we can imagine a time we stop working and have choices how we spend our time. Because we all leave longer than ever before, it takes even more money to support our retirement. The secret for financial security retirement is to start saving money now! This is saving retirement in plain English. Let's meet two retirist to make our point. This is Simon, he and his wife hard support their family and now they retired. They are happy, but feel insecure for money. And the unexpected spend can put them in dept. To help, Simon has a part time job in harbostore. He prefers fishing and playing with his grandchildren but he hardly has a choice.
Next, let's meet Charoly. Like Simon, she and her husband work to support their family, now they retired. They leave relatively care free life. They travel and, spend a lot of time with family and don't worry too much about money. But Simon and Charoly have a long life ahead of them. But Charoly and her husband learned early in life. That saving a little bit of money over a long time and could make sure their retirement comfortably. This wasn't the case for Simon and his wife, they started saving too late. To retire like Charoly, the first step is understanding how to save money for retirement. Be basic idea is to start saving now and save as much as possible over a long term.
To start, you need a place to save it. If you use a retirement account, two example for one case in ira. Many employers offer one case program or you can open ira yourself. Once you have account, you add a little bit income to regular basis. So the money you contribute over the years plus what you earn creates a fun that ready to support your retirement. This account is met our life time savings. So don't plan to touch it until retirement. To get account started, you work representative sigh on a mount to contribute each paid check.  This way, you don’t have to think about it, your retirement account goes automatically as long as you have income. And some employer will contribute to your account too. That' s free retirement money that will buy a lot of my t. And remember you have to pay tax for your income, by contribute your part of income to your retirement account, that's less income tax with each pay check.

[Homework]2011-10-30&11-05 退休储蓄

One day ,we all want to retire.After working from most of  our life,we measure the time we can start working and have choices how we spend our time.Because all lives longer ever before , it's going to takes more money to support our retirement.the secret to a  finacinal  retirement is to start saving now.This is saving for retirement and planing , let's meet 2 retire list make a first point.This is saman, he and  his wife for touch support their family another retires.They are happy , because they feels a little of money  And expected the spends ,could put them dead.To help ,Sam has a part time job at a harbor store, he performed the fishing the skills ,but he didn't have a choice.
Next , let cal , like saman .She and her husband work to support their family and now they are retired.They will be relatively to carefully life .They  travel,spend  a lot of time with family and don't worry  too much about money, but saman have a long life , because her husband has a early life and save a lot of money of a long time could make sure their time comfortable.This is saman's  life.They start to saving too late.To a retire cal line,the first step is understanding how to save their retirement.The basic idea is to start saving now , and save as much as possible of the long term. To start , you need to plan to save it. Use a retirement accout and 2 examples or 401 case and IRAS, many employers offer their 401 program or you can open a IRA yourself.When you have a account ,you have a little view to income of the regular the bases, so the money you can choose to be over the years ,plus what they earns, craze the  funds and tr to support you retire. The chinese support you retirement , this account are manly flow when savings .So don't plan to touch in to the retirement .
   To get them to start. YOu will , you have each pay check this way you don't have to think about it. You overtime account runs automatically as long as you have . Some players even offer to get used to be year account too.That's free of retire money that will buy a lot of my times, and remember you have to pay tax on your income,my contributing particularly come to a retirement account that are taxable for each pay check , the money of each account is usually that incident stock



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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.
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