英語(yǔ)播客初級(jí)版 第161期(外教講解):社會(huì)保險(xiǎn)

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https://online2.tingclass.net/lesson/shi0529/0001/1691/161.mp3

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A: Well, that was an interesting documentary!

B: For sure! I didn’t really understand some of the technical jargon they used in the film when they talked about social security in the US.

A: Like what?

B: Well, they mentioned how people put away money in something called a 401K?

A: Yeah, I know it sounds weird, but a 401k is a type of retirement plan that allows employees to save and invest for their own retirement. Through a you can authorize your employer to deduct a certain amount of money from your paycheck and invest it in the plan. Everyone tries to contribute as much as possible so that when you retire, you can rest peacefully on your nest egg.

B: That’s interesting and logical I guess. In my country, we also have to contribute to a government-run retirement fund, but most people don’t really trust it so they just invest in properties or things like that.

A: That seems a bit unstable don’t you think?

B: Yeah, but corrupt governments in the past have created distrust among banks and financial institutions, so now people prefer to have money hidden in a jar or a piggy bank.

A: I’ve been thinking of doing that lately! I don’t want some banker to run off with my money!

Social Security 美國(guó)政府推行的一項(xiàng)保護(hù)某些群體的政策

invest vt. 投資

The state has planned to invest two millions in the dam.

國(guó)家計(jì)劃投資兩百萬(wàn)元修建這個(gè)大壩。

【拓展詞匯】

pension n.養(yǎng)老金，撫恤金

disability insurance傷殘保險(xiǎn)

survivor benefits遺屬津貼(援助那些勞動(dòng)力死亡的家庭)

unemployment benefits/compensation 事業(yè)保險(xiǎn)

defined benefit plan養(yǎng)老金的固定受益計(jì)劃

A :那是個(gè)有意思的紀(jì)錄片。

B :當(dāng)然，我不明白影片中檔他們談到美國(guó)社會(huì)保險(xiǎn)時(shí)提及的一些技術(shù)術(shù)語(yǔ)。

A: 比如說(shuō)?

B: 他們提到人們?nèi)绾螌㈠X(qián)投進(jìn)一個(gè)叫401K的東西。

A :我知道它聽(tīng)起來(lái)和奇怪，事實(shí)上401K是一項(xiàng)退休計(jì)劃，它允許雇員將錢(qián)省下來(lái)為了以后的退休而投資。通過(guò)這個(gè)機(jī)會(huì)，你可以授權(quán)雇主從你的工資中扣除一定量的錢(qián)，并將錢(qián)投入那個(gè)計(jì)劃。每個(gè)人都盡可能的出錢(qián)，以便當(dāng)你退休時(shí)可以安享晚年。

B :那很有意思也很符合邏輯。在我的國(guó)家，我們必須拿些錢(qián)加入政府經(jīng)管的基金，但是大多數(shù)人并不相信，人們還是將錢(qián)投到房產(chǎn)或類似的東西上。

A: 那看起來(lái)不穩(wěn)定，你不覺(jué)得嗎?

B: 是的，但是目前的政府讓銀行和金融機(jī)構(gòu)感到不可信任。所以現(xiàn)在人們更愿意將錢(qián)藏到罐子里或是存到貪心的銀行里。

A: 我也正在向那么做。我不想讓某個(gè)銀行家將我的錢(qián)卷走。