2020年9月甘肃四级英语真题试卷:阅读真题选词填空及
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(一) Opinion Thethreetypesoffinancialstress ByPaulBenson November7,2018-12.00am TherearethreemaintypesoffinancialstressthatIcomeacrossonaregularbasis.Thefirstisinherited,thesecondisdebt,andthethirdislongevity. Inheritedfinancialstressisthemostcommonanddebilitating.Itisexperiencedbythosewhohavegrownupinhouseholdswheretheirparentsregularlyarguedandfoughtaboutmoney.Moneythereforebecomesastressfultopic,andsothethoughtofsittingdownandplanningisaboutasattractiveasvolunteeringtohavearootcanaldonebyatraineedentist. Financialstresscanmakeyoubroke,likeaviciouscircle.Credit:Shutterstock Thosesufferinginheritedfinancialstresstendtofollowoneoftwopatterns.Eithertheyputtheirheadinthesand-theydon'topentheirsuperannuationstatements,don'tbudget,andcertainlydon'tdiscussfinancialmatterswiththeirlovedones. Alternativelytheygototheotherextreme,andmicro-analyseeverything,tothepointofcompleteparalysis.They'reconvincedthatwhateverdecisiontheymake,itwillbethewrongone. Advertisement Thenextcommontypeoffinancialstressisthatcausedbydebt.In99outof100casesofdebt-inducedfinancialstress,creditcardswillbeacentralelement.Andyes,thatisintentionallyplural-there'sneverjustone.Oftenthere'llbeacarloanandperhapsamortgage,butcreditcardscertainlyseemtobethegatewaydrugtodebt-relatedfinancialstress. Thefinalformoffinancialstress,thatIsee,I'vesomewhatimperfectlytermedlongevity.Thismanifestsitselfinbeingstressedaboutthenormalupsanddownsofinvestmentmarkets-actuallynotsomuchtheups,butdefinitelythedowns. Sowhatcanyoudotopreventfinancialstressfromholdingyouback? Thefirstthingtodoishaveaseparatebankaccountforyourbillsandregularexpenses,andhaveanautomatictransferfromyoureverydayaccounteverytimeyougetpaid,totopitup. Withthissystemupandrunning,youwillknowthatwheneverabillcomesin,youhavethemoneysittingtherewaitingtopayit.Thismeans,a)nomorestress,andb)noneedtohitthecreditcard. Advertisement RelatedArticle 26:lnormal 27:Edefinitely 28:Dconsiderable 29:Jpossibly 30:Bargued 31:Kproposition 32:Ntend 33:Cavoid 34:Fextreme 35:Ginaction (二) Opinion Householddebt Thepressureoflivingundertheweightofdebt Thenextthingistoclearyourunproductivedebts.Determinewhichdebtisthemostexpensiveandfocusallyourattentionongettingridofit.Again,useautomatictransfersasmuchaspossibletoavoidtheriskofweakenedwillpower. Anotherusefulwaytoalleviatefinancialstressistohavesomeprojectionsdone,soyouhaveagoodsensewhatthelong-termoutlookis.You'llfindyoursuperfundwebsitewillhaveaprojectiontoolsoyoucangetanestimateofwhereyourretirementsavingswillend,andsiteslikethegovernment'sMoneySmarthassomegoodcalculatorsforthispurposetoo. Worst-caseplanningisanothergreatwaytoreduceworry.Thisiswhereyoulistoutthebiggestworriesyouhave,andthendeterminewhatactionyou'dtakeifthosethingsoccurred.Theactionsmaynotalwaysbepleasant,butjustknowingyouhaveaplancanremovethatdarkcloudfloatingaroundinthebackofyourbrain. Finally,don'tbeafraidtotalkaboutyourfinanceswithyourpartnerorotherlovedones.Especiallyforcouples;you'reateam,andchancesareifyou'reworriedaboutyourfinancesbutaretooafraidtodiscussit,soisyourpartner.Don'tpassyourinheritedfinancialstressdowntoyourkids. 26:H.integrate 27:B.coincidence 28:A.associated 29:l.recognizable 31:N;stressful 32:K.principal 33:J.natural 34:M.simply 35:O.symbolizes