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1、wordUnit 2-1 listening退休和投资Walter wants to retire within the next few years. He has been working at the same pany for over 15 years as an accountant. During that time, hes been saving his money and paying off that debt. However, even with his savings and investments, he isnt sure that he will have e
2、nough money for retirement. If it doesnt, he will have to keep on working, which depends on the pany. For now, the pany is ok. But its no longer growing as fast as it used to. Whether or not he can keep on his working will also depend on his health. Fortunately, he is in good health. But he knows th
3、at that could change in any time. If he fell down or had a stroke, it could force him to stop working. If that happened, he would have to rely on his savings and other assets to survive. Soon or later, he knows his health will decline and he will have to stop working. So he needs to prepare. Most of
4、 his wealth is in the form of pany stock and the value of his home. Both of these are at risk. The pany stock may go down and the value of his home may also fall. The pany he works for is a pharmaceutical(制药的) pany. It develops new drugs which is risky business and sells them worldwide. Its expensiv
5、e to develop new drugs and it can take a very long time to get a new drug approved. Without government approval, it cant be sold, which can result in a huge loss. Another threat the pany es from foreign petition, which is getting stronger. The pany has also started to move some of its researches and
6、 production facilities oversees. Salary level is lower there, and the quality of the foreign workers is getting better. As a result, the pany has to reduce its local hiring and its no longer giving large bonuses. One thing he is considering, is to sell his share in the pany. He could begin to sell a
7、 little at a time and reinvest the money in somewhere else. But where would he invest? He doesnt know much about investing and several of his friend have lost a lot by making a bad investment. Investing in real restate or the stock market could be very risky. In the best case, he will make a lot of
8、money. If that happened, he could finally retire and enjoy a fortable life. On the other hand, in the worst case, his investments could result in a huge loss. If that happened, he wouldnt be able to enjoy his retirement. He wouldnt be able to travel or do any of things that hes dreamed about doing.
9、So now he has to decide what he should do. Should he begin to sell his stock in the pany or should he wait until he actually needs the money. If he sold now, he will have to decide what to do with the money. His investment could turn out well or it could turn out to be a disaster. On the other hand,
10、 if you decide to wait, anything will depend on his pany. The one advantage he has with this options is hes being on the inside of the pany. With his insider information, he can predict the panys shot-term future. This is especially true because as an account, he has an access to the panys financial
11、 data. If things start to go badly, he can begin to sell his stock and avoid a big loss. Otherwise, its probably safer to keep the stock and hope that the pany does well even if its growth rate declines. So for now, that is probably what he should do. If you were he, what would you do? Unit 2-1 dial
12、ogue非洲和巴黎旅行So, where should we go on our vacation. What about Africa?Africa, no, thats not for me. Why do you want to go the Africa?Id like to get out and see the wildlife, the drama of nature! We could see some of the great migrations. Wow, you are adventurer. What about food and diseases? What abo
13、ut terrorism. Sure something that could happen. But if we never take any risks, we wont have an interesting life. I dont want to have a boring life. So, you think Im boring then, right.Well, youre certainly not the most exciting person. What plays thing safe and secure. Idont mind take a few risks b
14、ut its got to beworth it. Watching animals migrate is something I could see in a documentary. And I dont like the idea of being around predators(肉食动物), like lions and hyenas(鬣狗). Ok, my brave man. What would you like to do?Well, Ive been thinking about it. I think its nice to go to Paris in the fall
15、 and visit some museums. We can go to a concert and go to see a ballet. Ah, weve been to Paris before. Thats exciting about it and Im tired of museums. Any other ideas?One place that might be interesting is in South America, Machu Picchu. Its an abandoned city way up in the mountain Peru. Yes, Ive h
16、eard of it. that might be interesting.Should we look into it?Sure, you look into it and Ill get some information about trips to Africa. So your heart is ready set on Africa, isnt it?Yes, it really is. I need something exciting in my life now. all I do work and be with you. I need a change. Dont you ever feel that way?OK, I hear you. Lets go to Africa. And dont blame me if you get sick along the way. Great