2019年光大银行招聘考试真题精选

《中国人民银行法》对中国中央银行的性质及法律地位作了明确规定，但以下说法不正确的是（ ）。

国际储备（储备资产）不包括（ ）。

在货币供应量的调控模式中，发展国家一般采用的货币供应量调控模式属于（ ）。

进口商从国外出口商方面以商品形态获得的信用，然后定期清偿债务，该信用属于（ ）。

商业银行的存款种类可以按不同的标准来划分，以下不属于按存款性质划分的是（ ）。

当一般利率水平的变化引起不同种类的金融工具的利率发生程度不等的变动时，银行就会面临（ ）。

管理是一个指挥他人的工作，控制他人的活动、调整他人的行为以满足组织需要的过程，该观点属于（ ）。

目标的制定应该遵循一般的原则，“到底完成了什么，应该有一个明确的界限”的说法属于（ ）。

提高团队管理水平需要进行授权，有效授权不包括（ ）。

限制产权的强制实施主要是查封、扣押、冻结、保全、拍卖。对违法的财产采取强制措施中，查封时不清点登记、加贴封条的行为属于（ ）。

动态密码是根据专门的算法产生变化的随机数字组合，但目前主流生产形势不包括（ ）。

总需求曲线是由IS-LM模型决定的，当物价水平不变时，有许多影响总需求曲线的因素，以下属于引起总需求增加的因素是（ ）。

《关税与贸易总协定》第23条规定了三种争端类型，其中，申诉方须证明被诉方违反了有关协议的条款，是争端类型中的（ ）。

中国人民银行实行的体制是（ ）。

在组织设计的最重要原则中，不包括（ ）。

在证券交易所的职能中，依照法律、行政法规的规定，办理股票、公司债务的有关事务，不包括（ ）。

在以下关于互换交易中利率互换功能的表述中，主要目的一般不包括（ ）。

根据管理方格理论，小市民式领导者的工作风格是（ ）。

在凯恩斯主义中，斯蒂格利茨对风险和不确定性的研究，直接导致了他对以下问题的研究，但其中不包括（ ）。

《中华人民共和国国家赔偿法》中的赔偿，指的是（ ）。

银行负债业务中最重要的业务是（ ）。

《民通意见》对重大误解的解释是，行为人因对行为的性质，对方当事人、标的物的品质、质量、规格和数量等的错误认识，使行为的后果与自己的意思相悖，并造成较大损失的，可以认定为为重大误解，重大误解行为的要件不包括（ ）。

由成本增加带动收入和工资增加，进而导致高消费支出所造成的通货膨胀属于（ ）。

下列关于隐性成本的表述，不正确的是（ ）。

我国最高人民法院在《关于贯彻执行（中华人民共和国继承法）若干问题的意见》中规定:相互有继承关系的几个人在同一事件中死亡，如不确定死亡先后时间的，应推定（ ）。

实施积极财政政策对于上市公司的影响主要有以下几个方面，其中表述不正确的是（ ）。

在以下的基金投资策略中，投资者完全依据市场行情的变化来买卖基金的策略是（ ）。

与其他理论相比，内部化理论属于一般理论，能解释大部分（ ）。

模拟分权制也是一种组织的结构形式，它的特点是（ ）。

个人小额短期信用贷款是毋需提供担保的人民币信用贷款，一般的期限和金额为（ ）。

32*125*433*50=（ ）。

用10枚硬币可以摆成三条线交汇在一点的对称形状，每条线由4枚硬币组成，如图。如果取走2枚硬币，并且依旧摆成三条交汇在一点，每条线由4枚硬币组成的对称形状，应该取走（ ），移动（ ）。

如果A、B、C、D分别代表1-9中一个数字，且2×AA+BB+3=DCD=DD×DD，则ABC×D=（ ）

老李的任务是要在一条马路上插上旗帜，要求每隔4米插一面彩旗，老李插了25面彩旗以后，公司更改要求变成每隔6米插一面，老李可以不用拔出来的彩旗有（ ）面。

357×0.49+672+357×0.2+327+357×0.31=（ ）

（315+111×228）÷（110×76+181）-1=（ ）

有一对孪生兄弟，一个是左撇子，一个是右撇子。其中哥哥上午诚实下午会说谎，弟弟下午诚实上午会说谎，一天，兄弟俩走在路上，有人问他们：“你们俩谁是 哥哥啊?”兄弟俩都说：“我是”那人又问：“现在是几点了?”左撇子说：“上午11点55分。”右撇子却说：“12点05分了。”究竟左撇子和右撇子谁是哥哥?当时是上午还是下午?（ ）

7643×2819-7644×2818=（ ）。

使用1条直径和一条弦可以将一个圆分割成4个部分，那么，使用10条直径和1条弦可以把一个圆分割成多少个部分（ ）？

185/8+21.975-105.97=（ ）。

1/3，3/7，7/13，13/29中，数值最大的分数是（ ）。

10076，9976，10276，9876，10176以上五个数的和是（ ）。

A、B、C、D、E、F六个球队进行比赛，每两个球队间都要比赛一场。已知A球队已经比赛了5场，B球队已经比赛了4场，C球队已经比赛了3场，D球队已经比赛了2场，E球队已经比赛了1场，则F球队已经比赛了（ ）场。

（344+144×236）÷（288×236+688）-（1/8）=（ ）

在一个平面上画2010条直线最多可将此平面分割为（ ）个部分。

人都不可能不丧失理性，不一定所有人都会完全丧失理性。

如果上述断定为真，则以下哪项一定为真？（ ）

将如下所示图形折叠起来后，应该是四个选项中的（ ）。

选择最合乎逻辑的一种事件顺序（ ）。

（1）计算机配件产量低

（2）台湾占领了亚洲地区大部分计算机配件市场

（3）亚洲地区计算机配件价格上涨

（4）计算机配件工厂收到破坏

（5）台湾发生地震

根据以下数字的规律，空缺处应填入的是（ ）。

2/3，1/6，5/6，1/30，( )

富裕国家中高血压的发病率大约是贫穷国家的五倍，很多学者认为，这主要归咎于富裕国家中人们的高脂肪，而贫穷国家中较少有人具备这种病的条件，实际上这种观点并不正确。因为，目前富裕国家的人均寿命高于70岁，而贫穷国家的人均寿命还不到50岁。

以下描述中哪项如果成立，则最能加强上述反驳？（ ）

某大型百货商场库存积压一批商品，按期望获得50%的利润来定价，结果只销售掉70%的商品。为尽早销售掉剩下的商品。商店决定按定价打折出售，这样所获得的全部利润，是原来所期望利润的80%，那么所打的折扣最接近（ ）折。

某服装生产企业有甲、乙、丙、丁4个固定采购商，甲采购商采购周期是4天，乙的采购周期是5天，丙的采购周期是7天，丁的采购周期是8天，某天甲、乙、丙、丁4个采购商在该服装厂相遇，那么当4个采购商再次相遇时，丙至少来该服装企业采购（ ）次。

一个人外在动机较高，就会抑制他的真正或内在兴趣，从而影响他的工作表现。最显著的是，如果任务本身是有意义的，外在奖励会影响他的投入度。这对成人和孩子都不例外，尤其当他们就因为完成一项任务而受到奖励时更是如此。然而，提供表扬并不会影响内在兴趣，只要反馈被认为是真诚的

根据以上表述，可推出的最恰当的结论是（ ）。

根据以下数字的规律，空缺处应填入的是（ ）。

1，2，4，8，16，32，64，（ ）

桌上有一杯液体。甲说“这不是白水，也不是糖水”，乙说“这不是白水，而是盐水”，丙说“这不是盐水，而是白水”。丁尝了一下，说：“你们三个人中，有一个人全说错了，有一个人对了一半错了一半，只有一个人全说对了。”

那么，这杯液体是（ ）。

小王去某大楼的8层办事，恰赶上电梯停电，他只能步行楼梯，他从第一层走到第四层用了48秒，请问，以同样的速度继续走楼梯，小王到达8层还需要多少秒？( )

某商场有若干销售员，按照四人一组分就会多出一人，按照五人一组分也多一个，按照六人一组分，还是多出一个，那么，该商场有多少名销售员？（ ）

甲、乙两人从A地同时开车前往120公里外的B地去旅游，结果乙比甲提前1小时到达B地，已知甲比乙每小时少行10公里，求甲的速度为（ ）。

某市夏季用电分阶段收费，120（包括120）度以内每度0.48元，超过120度在200（包括200）度之内，超过部分每度电费0.64元，超过200度，超出部分电费为每度0.80元，王先生上月缴费232元，问王先生上月用电量是（ ）。

公司门前有一个大水池有A、B、C三个注水管，单开A管12小时注满水池；同时开AB两管8小时注满水池；同时开BC两管4小时注满水池，请问单开C管需要（ ）小时才能把水池注满。

公司安排甲、乙两人翻译一本书，如果甲单独来完成，需要15天，如果乙单独来完成，需要10天。假设甲先翻译了5天，然后乙加入进来，可是在最后两天因为有其他的任务乙又离开了，请问这本书的翻译工作一共进行了（ ）天。

公司新接了一个项目，小王单独做需要20天完成，小张单独做需要30天完成，请问两人合作需要（ ）天完成。

客服部有3男2女共5位员工，现要安排2人周末值班，且至少要有1名女员工，那么，该部门经理共有（ ）种安排方法。

今年爷爷、爸爸和宝宝的年龄和是100岁，现在知道爸爸的年龄是宝宝年龄的10倍时，爷爷64岁；而爷爷的年龄是爸爸年龄的2倍时，宝宝7岁。请问，今年爷爷（ ）岁。

编一本有698页的书，所有的页码总共需要用到多少个数字（如第23页用了2个数字，第122页用了3个数字，第666页也用了3个数字）？（ ）

大学某班有54人，有48人选择篮球，有39人选择乒乓球，有40人选择定向越野，有41人选择武术，这个班级至少有（ ）人参加以上四项体育活动。

园艺工人调整一个矩形花池，他把花池的一边增加了10%，把与它相邻的一边减少了10%。那么，调整后的花池面积（ ）。

公司购置了一批复印纸，第一个月用去40%，还剩下600张，第二个月又用去了余下的60%还多15张，请问，第一个月比第二个月（ ）。

周末，小明乘坐观光游船沿河流方向从A港出发前行。发现每隔40分钟就有一艘货船从后面追上游船，每隔20分钟就会有一艘货船迎面开来。已知A、B两港之间货船发出的间隔时间相同，且船在静水中速度相同，均是水速的7倍。那么货船的发出间隔是（ ）分钟。

某大学年度奖学金评定结果中，某专业1班的学生中获得优秀学生奖学金的人数为6人，获得进步学生奖学金的人数为8人，两种奖学金都没有获得的人数为16人。已知该班级有29人，那么，两种奖学金都获得的人数为（ ）。

经济补偿是用人单位解除劳动合同时，给予劳动者的经济补偿，经济补偿金是在劳动合同解除或终止后，用人单位一次性支付给劳动者的经济上的补助，经济补偿按劳动者在本单位工作的年限，每满一年支付一个月工资的标准向劳动者支付。按规定未列入工资总额的各种劳动报酬及其他劳动收入不算做补偿金的计算中。

下列款项属于经济补偿金的是（ ）。

调查报告，不是单纯写的问题，调查研究工作没做好，用什么样的方法也写不出好的调查报告。这段话直接支持了这样一种观点，及（ ）。

将以下5个句子重新排列组合（ ）。

（1）只要新的社会现象出现了，新的社会组织演变出来了，人们都会根据客观需要提出新的称呼。

（2）在不同的历史场景下，以各自血缘与历史记忆为基础，受到各种因素的影响，在群体互动的作用之下，人们组成了不同形式、不同规模的群体。

（3）根据特定时期人们对这些社会群组内涵的理解和不同群体之间相互区别的需要，人们会提出不同的概念 、创造出不同的术语来称呼这些群体组织。

（4）现在文献中出现的家族、部落、部族、土邦、王国、帝国、民族、民族国家、联邦国家等称呼，就是人们对在历史演进过程中出现的不同人类群体组织形式的称谓。

（5）在人类社会演变的历史进程中，人们的群体组织形式在不断发生变化。

排列组合最连贯的是：

下列各句中，没有语病且句意明确的一句是（ ）。

委托代理即委托代理人授权代理人处理事务或完成工作，代理人接受委托人的名义在授权范围内办理委托事务。下列属于委托代理关系的是（ ）。

以在中国受到热捧的法国高级红酒“拉菲”为例，“拉菲”价格一般为几百到几千欧元一瓶，卖到中国还要加50%的高关税，“拉菲”酒庄每年产量约25万瓶，保守估计，全球五分之二以上的拉菲都在中国。然而，在中国市场出现的拉菲数量却远超这个数目，正牌、副牌，真真假假，鱼目混珠，甚至有的拉菲空酒瓶能卖到2000元一个。

上述“拉菲”的事例可以说明一个事实，即（ ）

下列各句中，没有语病且句意明确的一句是（ ）

一个人如果没有远大的理想和抱负，而是经常（无所事事），那么他的人生就是没有意义的。可替换括号中的词语的是（ ）

依次填入下列各句括号内的词语，与句意最贴切的一组是（ ）

（1）地方政府及其职能部门利用其行政职权对外地商家进入本地市场、本地企业及资本流出加以限制或歧视就构成了地方保护主义，其（ ）是滥用行政职权限制市场竞争，获取地方利益。

（2）有人认为，要保持美国经济霸主的地位，强国就必须（ ）任何潜在的竞争对手的态度，并且要采取“先发制人”的战略

将以下6个句子重新排列组合：（ ）。

（1）前期诗歌可分为两大类。

（2）一类表现他贵族王子的优游生活。

（3）诗歌是曹植文学活动的主要领域。

（4）后期诗歌，主要抒发他在压制之下时而愤慨时而哀怨的心情，表现他不甘被弃置，希冀永世立功的愿望。

（5）前期与后期内容上有很大的差异。

（6）一类则放映他“生平乱、长乎军”的时代感受

She never forgave him for ( ) he did her neither could he rid himself of the feeling of guilt for baning treated her that way.

Those firms plan to raise capital locally to ( ) the expansion.

A Boeing 707 on service from Bogota Colombia crashed while ( ) its destination at New York’s JFK International Airport.

It is of high importance that you ( ) at the airport on time.

MUN, which ( ) Model Untions is a conference that provides students all ever the world with the opportunity to experience what it’s like to be the United Nations.

( ) more care, the flowers might have grown much better than now.

He has made a discovery ( ) of great importance to the progress of science and technology.

Doctors have to be very careful when making a ( ).

She would rather that her husband ( ) travel duing the bad weather but he insists that he return home today.

In the experiment the researcher placed a rat in a maze ( ) it was presented with different smells to see if it can.

Airtine-maintenance hest practice could ( ) oil industry profitability.

I can’t ( ) the name of the person I met yesterday.

A(n) ( ) five years ago Pangkor boasted sweet-sfnglng blrds Now the jungle is being cut down.

He raised the question of ( ) we could find the necessary money.

( ) might be expected the response to the question was very mixed.

The local area network also connects to a wide area network that allow a message ( ) across the country or to countries.

You can send and retrieve ( ) many files you want to a message-up to IMB (1024k) of attachments.

The teachers ceased chatting for a moment when the headmaster passed ( ).

( ) his help, I passed this exam in the end.

Some marvelous artists ( ) the beneficial effect for people by beautiful objects.

倘若一家公司聘不到也留不住足够的合格员工，经济学家给出了一个现成的解决办法：提供更高的薪水。可一些雇主似乎采用了一种不同的策略。例如，新泽西赫尔英截尔（HolmDel ）的ArCnel，无线通讯公司，为在本企业效力一年以上的所有员工提供一辆“免费”的宝马汽车，希望借此降低招幕和培训新员工的成本。其他几家使用了类似奖励制度的会司，据说也取得了成功。

当然，这些车并不是真正免费的。一辆车每年的租货和保险费是 9000美元；拿到车的员工必须向税务局申报这笔“领外收入”。于是我们碰到一个难解之谜：如果公司直接在员工年薪上多加 9000美元，而不是给一辆车，没有人的利益会受损，有些人甚至还能得利。 毕竟，要是哪名员工真的想要一辆宝马车，完全可以自己花钱租一辆。再说了，虽说宝马是辆好车，可对于那些不想要它的人，总还可以拿着每年多出来的 9000美元去干点别的事。那么，为什么公司宁愿给车，而不直接给现金呢？

从本质上来说，这很类似家人和朋友之间互送礼品。为什么你要送给表弟一条他恐怕一辈子也不会戴的领带，而不直接给他钱，让他把钱花在自己真正喜欢的东西上呢？有人会说，这是因为给钱太容易，而特意花时间选礼物更能表达诚意。这个解释用在小礼物上似乎挺合适，可显然没法套用到豪华汽车。

经济学家理查德?泰勒给出了一个更合理的说法，根据他的观察，最好的礼物往往是让我们自己买的有点舍不得的东西。他问，妻子用跟丈夫的联名户头买了一套价值 1000美元的钛钢高尔夫球具，可为什么丈夫还很高兴呢？或许因为他很想要这套球具，可自己买又觉得太奢侈。有别人帮他做了这个抉择，他就能开开心心地享用自己的高尔夫球杆，又无需愧疚。我们似乎可以用同样的逻样，来解释 ArCnet 和其他公司时送宝马车的理由。说不定你觉得很难开口对大萧条年代出生的爸妈说，你买了一辆比丰田佳美贵两倍的汽车；或者你担心邻居们会觉得你这人装腔作势；又或者你一直想要一辆宝马，可妻子坚持要先重新装修厨房。公司送你一辆礼物车，能打消上述所有顾虑。从公司的角度来看还有一个额外好处，给所有长期效力的员工一辆豪华汽车，比给新招幕的员工加薪（这种做法如今也越来越普遍），招致的怨恨情绪更少。

美国劳动力市场会继续朝着以物代薪的方向发展么？不大可能，因为ArCnet 的做法并不适合其他雇主。比如，汉堡王连锁店的老板们，碰到店员人手短缺，恐怕不会拿出辆二手福特车做奖励吧。需要非技术性工作人员的雇主，大概会继续采用提高薪资的老一套做法。但以物代薪的薪资方式，很可能在需要熟练技术工人的行业发展开来。因为这些企业面对的是持久的劳动力不足状况，他们想要招聘和挽留的员工，对新款豪华品更为敏感。

在传统的经济模型假设中，人们有着明确的目标，并卓有成效地力求实现。可近来行为经济学所做的研究显示，在很大程度上，人们所做的选择，源于一种想要构建、保持个人或群体认同的心理动机。这一观察有助于解释不少从传统经济模型来看逻辑不太明显的选择。

本篇文章的主旨是（ ）。

倘若一家公司聘不到也留不住足够的合格员工，经济学家给出了一个现成的解决办法：提供更高的薪水。可一些雇主似乎采用了一种不同的策略。例如，新泽西赫尔英截尔（HolmDel ）的ArCnel，无线通讯公司，为在本企业效力一年以上的所有员工提供一辆“免费”的宝马汽车，希望借此降低招幕和培训新员工的成本。其他几家使用了类似奖励制度的会司，据说也取得了成功。

当然，这些车并不是真正免费的。一辆车每年的租货和保险费是 9000美元；拿到车的员工必须向税务局申报这笔“领外收入”。于是我们碰到一个难解之谜：如果公司直接在员工年薪上多加 9000美元，而不是给一辆车，没有人的利益会受损，有些人甚至还能得利。 毕竟，要是哪名员工真的想要一辆宝马车，完全可以自己花钱租一辆。再说了，虽说宝马是辆好车，可对于那些不想要它的人，总还可以拿着每年多出来的 9000美元去干点别的事。那么，为什么公司宁愿给车，而不直接给现金呢？

从本质上来说，这很类似家人和朋友之间互送礼品。为什么你要送给表弟一条他恐怕一辈子也不会戴的领带，而不直接给他钱，让他把钱花在自己真正喜欢的东西上呢？有人会说，这是因为给钱太容易，而特意花时间选礼物更能表达诚意。这个解释用在小礼物上似乎挺合适，可显然没法套用到豪华汽车。

经济学家理查德?泰勒给出了一个更合理的说法，根据他的观察，最好的礼物往往是让我们自己买的有点舍不得的东西。他问，妻子用跟丈夫的联名户头买了一套价值 1000美元的钛钢高尔夫球具，可为什么丈夫还很高兴呢？或许因为他很想要这套球具，可自己买又觉得太奢侈。有别人帮他做了这个抉择，他就能开开心心地享用自己的高尔夫球杆，又无需愧疚。我们似乎可以用同样的逻样，来解释 ArCnet 和其他公司时送宝马车的理由。说不定你觉得很难开口对大萧条年代出生的爸妈说，你买了一辆比丰田佳美贵两倍的汽车；或者你担心邻居们会觉得你这人装腔作势；又或者你一直想要一辆宝马，可妻子坚持要先重新装修厨房。公司送你一辆礼物车，能打消上述所有顾虑。从公司的角度来看还有一个额外好处，给所有长期效力的员工一辆豪华汽车，比给新招幕的员工加薪（这种做法如今也越来越普遍），招致的怨恨情绪更少。

美国劳动力市场会继续朝着以物代薪的方向发展么？不大可能，因为ArCnet 的做法并不适合其他雇主。比如，汉堡王连锁店的老板们，碰到店员人手短缺，恐怕不会拿出辆二手福特车做奖励吧。需要非技术性工作人员的雇主，大概会继续采用提高薪资的老一套做法。但以物代薪的薪资方式，很可能在需要熟练技术工人的行业发展开来。因为这些企业面对的是持久的劳动力不足状况，他们想要招聘和挽留的员工，对新款豪华品更为敏感。

在传统的经济模型假设中，人们有着明确的目标，并卓有成效地力求实现。可近来行为经济学所做的研究显示，在很大程度上，人们所做的选择，源于一种想要构建、保持个人或群体认同的心理动机。这一观察有助于解释不少从传统经济模型来看逻辑不太明显的选择。

文中提到的无线通信公司选择以车代替现金奖励的原因是（ ）。

倘若一家公司聘不到也留不住足够的合格员工，经济学家给出了一个现成的解决办法：提供更高的薪水。可一些雇主似乎采用了一种不同的策略。例如，新泽西赫尔英截尔（HolmDel ）的ArCnel，无线通讯公司，为在本企业效力一年以上的所有员工提供一辆“免费”的宝马汽车，希望借此降低招幕和培训新员工的成本。其他几家使用了类似奖励制度的会司，据说也取得了成功。

当然，这些车并不是真正免费的。一辆车每年的租货和保险费是 9000美元；拿到车的员工必须向税务局申报这笔“领外收入”。于是我们碰到一个难解之谜：如果公司直接在员工年薪上多加 9000美元，而不是给一辆车，没有人的利益会受损，有些人甚至还能得利。 毕竟，要是哪名员工真的想要一辆宝马车，完全可以自己花钱租一辆。再说了，虽说宝马是辆好车，可对于那些不想要它的人，总还可以拿着每年多出来的 9000美元去干点别的事。那么，为什么公司宁愿给车，而不直接给现金呢？

从本质上来说，这很类似家人和朋友之间互送礼品。为什么你要送给表弟一条他恐怕一辈子也不会戴的领带，而不直接给他钱，让他把钱花在自己真正喜欢的东西上呢？有人会说，这是因为给钱太容易，而特意花时间选礼物更能表达诚意。这个解释用在小礼物上似乎挺合适，可显然没法套用到豪华汽车。

经济学家理查德?泰勒给出了一个更合理的说法，根据他的观察，最好的礼物往往是让我们自己买的有点舍不得的东西。他问，妻子用跟丈夫的联名户头买了一套价值 1000美元的钛钢高尔夫球具，可为什么丈夫还很高兴呢？或许因为他很想要这套球具，可自己买又觉得太奢侈。有别人帮他做了这个抉择，他就能开开心心地享用自己的高尔夫球杆，又无需愧疚。我们似乎可以用同样的逻样，来解释 ArCnet 和其他公司时送宝马车的理由。说不定你觉得很难开口对大萧条年代出生的爸妈说，你买了一辆比丰田佳美贵两倍的汽车；或者你担心邻居们会觉得你这人装腔作势；又或者你一直想要一辆宝马，可妻子坚持要先重新装修厨房。公司送你一辆礼物车，能打消上述所有顾虑。从公司的角度来看还有一个额外好处，给所有长期效力的员工一辆豪华汽车，比给新招幕的员工加薪（这种做法如今也越来越普遍），招致的怨恨情绪更少。

美国劳动力市场会继续朝着以物代薪的方向发展么？不大可能，因为ArCnet 的做法并不适合其他雇主。比如，汉堡王连锁店的老板们，碰到店员人手短缺，恐怕不会拿出辆二手福特车做奖励吧。需要非技术性工作人员的雇主，大概会继续采用提高薪资的老一套做法。但以物代薪的薪资方式，很可能在需要熟练技术工人的行业发展开来。因为这些企业面对的是持久的劳动力不足状况，他们想要招聘和挽留的员工，对新款豪华品更为敏感。

在传统的经济模型假设中，人们有着明确的目标，并卓有成效地力求实现。可近来行为经济学所做的研究显示，在很大程度上，人们所做的选择，源于一种想要构建、保持个人或群体认同的心理动机。这一观察有助于解释不少从传统经济模型来看逻辑不太明显的选择。

以物代薪的方式适合（ ）。

倘若一家公司聘不到也留不住足够的合格员工，经济学家给出了一个现成的解决办法：提供更高的薪水。可一些雇主似乎采用了一种不同的策略。例如，新泽西赫尔英截尔（HolmDel ）的ArCnel，无线通讯公司，为在本企业效力一年以上的所有员工提供一辆“免费”的宝马汽车，希望借此降低招幕和培训新员工的成本。其他几家使用了类似奖励制度的会司，据说也取得了成功。

当然，这些车并不是真正免费的。一辆车每年的租货和保险费是 9000美元；拿到车的员工必须向税务局申报这笔“领外收入”。于是我们碰到一个难解之谜：如果公司直接在员工年薪上多加 9000美元，而不是给一辆车，没有人的利益会受损，有些人甚至还能得利。 毕竟，要是哪名员工真的想要一辆宝马车，完全可以自己花钱租一辆。再说了，虽说宝马是辆好车，可对于那些不想要它的人，总还可以拿着每年多出来的 9000美元去干点别的事。那么，为什么公司宁愿给车，而不直接给现金呢？

从本质上来说，这很类似家人和朋友之间互送礼品。为什么你要送给表弟一条他恐怕一辈子也不会戴的领带，而不直接给他钱，让他把钱花在自己真正喜欢的东西上呢？有人会说，这是因为给钱太容易，而特意花时间选礼物更能表达诚意。这个解释用在小礼物上似乎挺合适，可显然没法套用到豪华汽车。

经济学家理查德?泰勒给出了一个更合理的说法，根据他的观察，最好的礼物往往是让我们自己买的有点舍不得的东西。他问，妻子用跟丈夫的联名户头买了一套价值 1000美元的钛钢高尔夫球具，可为什么丈夫还很高兴呢？或许因为他很想要这套球具，可自己买又觉得太奢侈。有别人帮他做了这个抉择，他就能开开心心地享用自己的高尔夫球杆，又无需愧疚。我们似乎可以用同样的逻样，来解释 ArCnet 和其他公司时送宝马车的理由。说不定你觉得很难开口对大萧条年代出生的爸妈说，你买了一辆比丰田佳美贵两倍的汽车；或者你担心邻居们会觉得你这人装腔作势；又或者你一直想要一辆宝马，可妻子坚持要先重新装修厨房。公司送你一辆礼物车，能打消上述所有顾虑。从公司的角度来看还有一个额外好处，给所有长期效力的员工一辆豪华汽车，比给新招幕的员工加薪（这种做法如今也越来越普遍），招致的怨恨情绪更少。

美国劳动力市场会继续朝着以物代薪的方向发展么？不大可能，因为ArCnet 的做法并不适合其他雇主。比如，汉堡王连锁店的老板们，碰到店员人手短缺，恐怕不会拿出辆二手福特车做奖励吧。需要非技术性工作人员的雇主，大概会继续采用提高薪资的老一套做法。但以物代薪的薪资方式，很可能在需要熟练技术工人的行业发展开来。因为这些企业面对的是持久的劳动力不足状况，他们想要招聘和挽留的员工，对新款豪华品更为敏感。

在传统的经济模型假设中，人们有着明确的目标，并卓有成效地力求实现。可近来行为经济学所做的研究显示，在很大程度上，人们所做的选择，源于一种想要构建、保持个人或群体认同的心理动机。这一观察有助于解释不少从传统经济模型来看逻辑不太明显的选择。

传统的经济模型所具有的特点不包括（ ）。

倘若一家公司聘不到也留不住足够的合格员工，经济学家给出了一个现成的解决办法：提供更高的薪水。可一些雇主似乎采用了一种不同的策略。例如，新泽西赫尔英截尔（HolmDel ）的ArCnel，无线通讯公司，为在本企业效力一年以上的所有员工提供一辆“免费”的宝马汽车，希望借此降低招幕和培训新员工的成本。其他几家使用了类似奖励制度的会司，据说也取得了成功。

当然，这些车并不是真正免费的。一辆车每年的租货和保险费是 9000美元；拿到车的员工必须向税务局申报这笔“领外收入”。于是我们碰到一个难解之谜：如果公司直接在员工年薪上多加 9000美元，而不是给一辆车，没有人的利益会受损，有些人甚至还能得利。 毕竟，要是哪名员工真的想要一辆宝马车，完全可以自己花钱租一辆。再说了，虽说宝马是辆好车，可对于那些不想要它的人，总还可以拿着每年多出来的 9000美元去干点别的事。那么，为什么公司宁愿给车，而不直接给现金呢？

从本质上来说，这很类似家人和朋友之间互送礼品。为什么你要送给表弟一条他恐怕一辈子也不会戴的领带，而不直接给他钱，让他把钱花在自己真正喜欢的东西上呢？有人会说，这是因为给钱太容易，而特意花时间选礼物更能表达诚意。这个解释用在小礼物上似乎挺合适，可显然没法套用到豪华汽车。

经济学家理查德?泰勒给出了一个更合理的说法，根据他的观察，最好的礼物往往是让我们自己买的有点舍不得的东西。他问，妻子用跟丈夫的联名户头买了一套价值 1000美元的钛钢高尔夫球具，可为什么丈夫还很高兴呢？或许因为他很想要这套球具，可自己买又觉得太奢侈。有别人帮他做了这个抉择，他就能开开心心地享用自己的高尔夫球杆，又无需愧疚。我们似乎可以用同样的逻样，来解释 ArCnet 和其他公司时送宝马车的理由。说不定你觉得很难开口对大萧条年代出生的爸妈说，你买了一辆比丰田佳美贵两倍的汽车；或者你担心邻居们会觉得你这人装腔作势；又或者你一直想要一辆宝马，可妻子坚持要先重新装修厨房。公司送你一辆礼物车，能打消上述所有顾虑。从公司的角度来看还有一个额外好处，给所有长期效力的员工一辆豪华汽车，比给新招幕的员工加薪（这种做法如今也越来越普遍），招致的怨恨情绪更少。

美国劳动力市场会继续朝着以物代薪的方向发展么？不大可能，因为ArCnet 的做法并不适合其他雇主。比如，汉堡王连锁店的老板们，碰到店员人手短缺，恐怕不会拿出辆二手福特车做奖励吧。需要非技术性工作人员的雇主，大概会继续采用提高薪资的老一套做法。但以物代薪的薪资方式，很可能在需要熟练技术工人的行业发展开来。因为这些企业面对的是持久的劳动力不足状况，他们想要招聘和挽留的员工，对新款豪华品更为敏感。

在传统的经济模型假设中，人们有着明确的目标，并卓有成效地力求实现。可近来行为经济学所做的研究显示，在很大程度上，人们所做的选择，源于一种想要构建、保持个人或群体认同的心理动机。这一观察有助于解释不少从传统经济模型来看逻辑不太明显的选择。

下列说法错误的是（ ）。

FOR TWO MARKETING EXECUTIVES

Legend Co. is an international famous company specialized in manufacturing furniture and household appliances. It is headquartered in Now York and has established over 30 branches around China With the rapid growth now the company needs two marketing executives.

Qualifications:

Nationality: Chinese

Education: master degree in Marketing Management Economics or other related majors

Experience: at least 3 years’ experience in marketing

Skills: good command of oral English；proficient business trips are acceptable

Others: obedient to arrangements of the company frequent business trips are acceptable

If you wants to work in the company and are qualified please call at 01087654321 and contact Mr. Smith

Judging from the text what most probably produced by Legend Co.?

FOR TWO MARKETING EXECUTIVES

Legend Co. is an international famous company specialized in manufacturing furniture and household appliances. It is headquartered in Now York and has established over 30 branches around China With the rapid growth now the company needs two marketing executives.

Qualifications:

Nationality: Chinese

Education: master degree in Marketing Management Economics or other related majors

Experience: at least 3 years’ experience in marketing

Skills: good command of oral English；proficient business trips are acceptable

Others: obedient to arrangements of the company frequent business trips are acceptable

If you wants to work in the company and are qualified please call at 01087654321 and contact Mr. Smith

Who is the most suitable person for this post?

The soybean prices ended higher this Monday as traders expect supplies to remain tight

The actively traded July contract for soybeans rose 20 cents to settle at $14.85 a bushel.

The U.S government’s weekly prediction for soybean exports was higher than traders expected, said Mike Zulo, president of a consulting company in Atchison Kansas

Supplies for beans have been extraordinarily tight as China’s demand for soybean continues to increase even as U.S production stays relatively steady he said Soybean prices have risen 15 percent this year

“That USDA number caused the trade to refocus on just how razor-thin supplies are heading in to next fall’s harvest” Zulo said

Why did the prices of soybean rise according to the passage?

The soybean prices ended higher this Monday as traders expect supplies to remain tight

The actively traded July contract for soybeans rose 20 cents to settle at $14.85 a bushel.

The U.S government’s weekly prediction for soybean exports was higher than traders expected, said Mike Zulo, president of a consulting company in Atchison Kansas

Supplies for beans have been extraordinarily tight as China’s demand for soybean continues to increase even as U.S production stays relatively steady he said Soybean prices have risen 15 percent this year

“That USDA number caused the trade to refocus on just how razor-thin supplies are heading in to next fall’s harvest” Zulo said

What can be inferred from the passage about next fall’s soybean harvest?

The personal computer was a revolution in information technology that spawned a $50 billion hardware business with another $30 billion in software and peripherals (e.g. mouse keyboard printer etc. ) by 199. During its short 15 years the industry evolved through three successive periods. During its first 5 to 6 years it was characterized by explosive growth and multiple small competitors vying for a piece of the market. From 1981 to 1985 the industry became a battle for standards and retail shelf space. The third eras was one of increasing fragmentation. From 1986 through 1991-1992 new manufacturers from around the world granted from the industry leaders as new channels of distribution emerged and product innovation as well as revenue growth slowed

During the early years of the industry venture capital in the U.S. encouraged the entry of new firms that offered products in every conceivable shape and size. By 1980 new entrants flooded the market prompting distinct standards and unique technical features. Almost every firm had a different configuration of hardware and software. The first PC had relatively little speed or memory. However even these earl computers allowed managers to perform tasks that were very time consuming.

When did the PC industry start?

The personal computer was a revolution in information technology that spawned a $50 billion hardware business with another $30 billion in software and peripherals (e.g. mouse keyboard printer etc. ) by 199. During its short 15 years the industry evolved through three successive periods. During its first 5 to 6 years it was characterized by explosive growth and multiple small competitors vying for a piece of the market. From 1981 to 1985 the industry became a battle for standards and retail shelf space. The third eras was one of increasing fragmentation. From 1986 through 1991-1992 new manufacturers from around the world granted from the industry leaders as new channels of distribution emerged and product innovation as well as revenue growth slowed

During the early years of the industry venture capital in the U.S. encouraged the entry of new firms that offered products in every conceivable shape and size. By 1980 new entrants flooded the market prompting distinct standards and unique technical features. Almost every firm had a different configuration of hardware and software. The first PC had relatively little speed or memory. However even these earl computers allowed managers to perform tasks that were very time consuming.

What happened in the third era?

The personal computer was a revolution in information technology that spawned a $50 billion hardware business with another $30 billion in software and peripherals (e.g. mouse keyboard printer etc. ) by 199. During its short 15 years the industry evolved through three successive periods. During its first 5 to 6 years it was characterized by explosive growth and multiple small competitors vying for a piece of the market. From 1981 to 1985 the industry became a battle for standards and retail shelf space. The third eras was one of increasing fragmentation. From 1986 through 1991-1992 new manufacturers from around the world granted from the industry leaders as new channels of distribution emerged and product innovation as well as revenue growth slowed

During the early years of the industry venture capital in the U.S. encouraged the entry of new firms that offered products in every conceivable shape and size. By 1980 new entrants flooded the market prompting distinct standards and unique technical features. Almost every firm had a different configuration of hardware and software. The first PC had relatively little speed or memory. However even these earl computers allowed managers to perform tasks that were very time consuming.

What was impossible during the early years of the industry?

A cool mass of air heads toward the United States from the upper regions of Canada and Alaska this week according to the National Weather Service.

According to the NWS a mass of cold air will drop from the Arctic regions to Canada and then the upper Midwest next week.

Temperatures across the Midwest will drop into the 60s and 70s-a sharp difference from the 80 degree and 90 degree temperatures from recent weeks. And the relatively cooler air may be felt as far East as New York and Washington

The cool breezes may be a welcome relief this time around but remember the last few times we got hit with Arctic air？

Temperatures in cities including Chicago Cleveland New York and Louisville fell into single-digit and negative territory for long stretches during the harsh winter months of early 2014. But we’re sure you remember

According to the National Weather Service____

A cool mass of air heads toward the United States from the upper regions of Canada and Alaska this week according to the National Weather Service.

According to the NWS a mass of cold air will drop from the Arctic regions to Canada and then the upper Midwest next week.

Temperatures across the Midwest will drop into the 60s and 70s-a sharp difference from the 80 degree and 90 degree temperatures from recent weeks. And the relatively cooler air may be felt as far East as New York and Washington

The cool breezes may be a welcome relief this time around but remember the last few times we got hit with Arctic air？

Temperatures in cities including Chicago Cleveland New York and Louisville fell into single-digit and negative territory for long stretches during the harsh winter months of early 2014. But we’re sure you remember

What’s the temperature when the report was written?

A cool mass of air heads toward the United States from the upper regions of Canada and Alaska this week according to the National Weather Service.

According to the NWS a mass of cold air will drop from the Arctic regions to Canada and then the upper Midwest next week.

Temperatures across the Midwest will drop into the 60s and 70s-a sharp difference from the 80 degree and 90 degree temperatures from recent weeks. And the relatively cooler air may be felt as far East as New York and Washington

The cool breezes may be a welcome relief this time around but remember the last few times we got hit with Arctic air？

Temperatures in cities including Chicago Cleveland New York and Louisville fell into single-digit and negative territory for long stretches during the harsh winter months of early 2014. But we’re sure you remember

According to the passage, what happened in early 2014?

Everyone knows airline pricing is based on supply and demand. Fares are mores expensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan you d think that demand for Rome must be higher or supply lower

What’s puzzling is that you can pay a high price to a given destination but a dramatically lower price for the exact same flight if you agree to go on to another destination.

Take Alitalia to Rome for instance for travel in August A round-trip economy flight directly to Rome leaving JFK at 10:05 p.m on Alitalia 611 on August 5 costs $1,655 when booked on April 30 Compare that to $903 for a round-trip economy ticket to Milan(stopping in Rome)leaving JFK on the exact same Alitalia 611 flight at 10:05 p.m on August 5. So why is Alitalia willing to fly you to Rome for $752 less than it would otherwise plus give you an extra one-and-a-half-hour flight to Milan?

Airlines have increased their profitability in recent years by segmenting the market for air travel and charging customers different prices for the same product. In this case the market is segmented based on demand for direct flights. Airlines know most people prefer the shortest route to their destination so they make customers pay up for the privilege of flying direct(They also make it a little more inconvenient if you don’t pay up for a direct flight in order to encourage you to fly direct)

When process become so obviously illogical it may be time to why air tickets can’t be transferred or resold just like any other normal product If the airlines are entitled to exploit the free market shouldn’t customers be allowed to do the same thing?

According to the passage, prices are normally determined by____

Everyone knows airline pricing is based on supply and demand. Fares are mores expensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan you d think that demand for Rome must be higher or supply lower

What’s puzzling is that you can pay a high price to a given destination but a dramatically lower price for the exact same flight if you agree to go on to another destination.

Take Alitalia to Rome for instance for travel in August A round-trip economy flight directly to Rome leaving JFK at 10:05 p.m on Alitalia 611 on August 5 costs $1,655 when booked on April 30 Compare that to $903 for a round-trip economy ticket to Milan(stopping in Rome)leaving JFK on the exact same Alitalia 611 flight at 10:05 p.m on August 5. So why is Alitalia willing to fly you to Rome for $752 less than it would otherwise plus give you an extra one-and-a-half-hour flight to Milan?

Airlines have increased their profitability in recent years by segmenting the market for air travel and charging customers different prices for the same product. In this case the market is segmented based on demand for direct flights. Airlines know most people prefer the shortest route to their destination so they make customers pay up for the privilege of flying direct(They also make it a little more inconvenient if you don’t pay up for a direct flight in order to encourage you to fly direct)

When process become so obviously illogical it may be time to why air tickets can’t be transferred or resold just like any other normal product If the airlines are entitled to exploit the free market shouldn’t customers be allowed to do the same thing?

What is puzzling about the airline pricing to the author?

Everyone knows airline pricing is based on supply and demand. Fares are mores expensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan you d think that demand for Rome must be higher or supply lower

What’s puzzling is that you can pay a high price to a given destination but a dramatically lower price for the exact same flight if you agree to go on to another destination.

Take Alitalia to Rome for instance for travel in August A round-trip economy flight directly to Rome leaving JFK at 10:05 p.m on Alitalia 611 on August 5 costs $1,655 when booked on April 30 Compare that to $903 for a round-trip economy ticket to Milan(stopping in Rome)leaving JFK on the exact same Alitalia 611 flight at 10:05 p.m on August 5. So why is Alitalia willing to fly you to Rome for $752 less than it would otherwise plus give you an extra one-and-a-half-hour flight to Milan?

Airlines have increased their profitability in recent years by segmenting the market for air travel and charging customers different prices for the same product. In this case the market is segmented based on demand for direct flights. Airlines know most people prefer the shortest route to their destination so they make customers pay up for the privilege of flying direct(They also make it a little more inconvenient if you don’t pay up for a direct flight in order to encourage you to fly direct)

When process become so obviously illogical it may be time to why air tickets can’t be transferred or resold just like any other normal product If the airlines are entitled to exploit the free market shouldn’t customers be allowed to do the same thing?

According to the example, how much should you pay if you fly to Milan from JFK and stop in Rome midway?

Everyone knows airline pricing is based on supply and demand. Fares are mores expensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan you d think that demand for Rome must be higher or supply lower

What’s puzzling is that you can pay a high price to a given destination but a dramatically lower price for the exact same flight if you agree to go on to another destination.

Take Alitalia to Rome for instance for travel in August A round-trip economy flight directly to Rome leaving JFK at 10:05 p.m on Alitalia 611 on August 5 costs $1,655 when booked on April 30 Compare that to $903 for a round-trip economy ticket to Milan(stopping in Rome)leaving JFK on the exact same Alitalia 611 flight at 10:05 p.m on August 5. So why is Alitalia willing to fly you to Rome for $752 less than it would otherwise plus give you an extra one-and-a-half-hour flight to Milan?

Airlines have increased their profitability in recent years by segmenting the market for air travel and charging customers different prices for the same product. In this case the market is segmented based on demand for direct flights. Airlines know most people prefer the shortest route to their destination so they make customers pay up for the privilege of flying direct(They also make it a little more inconvenient if you don’t pay up for a direct flight in order to encourage you to fly direct)

When process become so obviously illogical it may be time to why air tickets can’t be transferred or resold just like any other normal product If the airlines are entitled to exploit the free market shouldn’t customers be allowed to do the same thing?

Why may prices for direct flights be higher according to the passage?

Everyone knows airline pricing is based on supply and demand. Fares are mores expensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan you d think that demand for Rome must be higher or supply lower

What’s puzzling is that you can pay a high price to a given destination but a dramatically lower price for the exact same flight if you agree to go on to another destination.

Take Alitalia to Rome for instance for travel in August A round-trip economy flight directly to Rome leaving JFK at 10:05 p.m on Alitalia 611 on August 5 costs $1,655 when booked on April 30 Compare that to $903 for a round-trip economy ticket to Milan(stopping in Rome)leaving JFK on the exact same Alitalia 611 flight at 10:05 p.m on August 5. So why is Alitalia willing to fly you to Rome for $752 less than it would otherwise plus give you an extra one-and-a-half-hour flight to Milan?

Airlines have increased their profitability in recent years by segmenting the market for air travel and charging customers different prices for the same product. In this case the market is segmented based on demand for direct flights. Airlines know most people prefer the shortest route to their destination so they make customers pay up for the privilege of flying direct(They also make it a little more inconvenient if you don’t pay up for a direct flight in order to encourage you to fly direct)

When process become so obviously illogical it may be time to why air tickets can’t be transferred or resold just like any other normal product If the airlines are entitled to exploit the free market shouldn’t customers be allowed to do the same thing?

What’s the author’s attitude to the present airline pricing?

Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savings

Some scary facts about retirement

?More than 50% of persons do not have enough finances for retirement

?25%do not participate in their company’s retirement plan

?The average person spends 20 years in retirement

Here are some tips to help you plan correctly

1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals

2. Save and keep on saving. Make it a habit to save as much as you can

3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator

4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options

5. Learn about pension. If you have an employer or government pension plan learn all the details

6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals

Which of the following is NOT true about retirement?

Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savings

Some scary facts about retirement

?More than 50% of persons do not have enough finances for retirement

?25%do not participate in their company’s retirement plan

?The average person spends 20 years in retirement

Here are some tips to help you plan correctly

1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals

2. Save and keep on saving. Make it a habit to save as much as you can

3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator

4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options

5. Learn about pension. If you have an employer or government pension plan learn all the details

6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals

Who can be a financial professional?

Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savings

Some scary facts about retirement

?More than 50% of persons do not have enough finances for retirement

?25%do not participate in their company’s retirement plan

?The average person spends 20 years in retirement

Here are some tips to help you plan correctly

1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals

2. Save and keep on saving. Make it a habit to save as much as you can

3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator

4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options

5. Learn about pension. If you have an employer or government pension plan learn all the details

6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals

What will happen if you withdraw your retirement savings before you retire?

Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savings

Some scary facts about retirement

?More than 50% of persons do not have enough finances for retirement

?25%do not participate in their company’s retirement plan

?The average person spends 20 years in retirement

Here are some tips to help you plan correctly

1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals

2. Save and keep on saving. Make it a habit to save as much as you can

3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator

4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options

5. Learn about pension. If you have an employer or government pension plan learn all the details

6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals

According to the passage, retirement plans may be offered by____

Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savings

Some scary facts about retirement

?More than 50% of persons do not have enough finances for retirement

?25%do not participate in their company’s retirement plan

?The average person spends 20 years in retirement

Here are some tips to help you plan correctly

1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals

2. Save and keep on saving. Make it a habit to save as much as you can

3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator

4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options

5. Learn about pension. If you have an employer or government pension plan learn all the details

6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals

What’s the main theme of the passage?