英语流利说 Level6 Unit2 Part1 Learning-Planning for Retirement 1
1. Walter wants to retire within the next few years.
2.He's been working at the same company for over fifteen years as an accountant.（跟读）
3.During that time he's been saving his money and paying off his debts.(美[dɛt],n.债务）
4.However, even with his savings and investments, he isn't sure that he'll have enough money for retirement.
5.If he doesn't, he'll have to keep on working, which depends on the company.
6.For now, the company is okay, but it's no longer growing as fast as it used to.
1. Whether or not he can keep on working will also depend on his health.(跟读）
2.Fortunately,he's in good health, but he knows that could change at any time.
3.If he fell down or had a stroke(n.中风）, it could force him to stop working.
4.If that happened, he would have to rely on his savings and other assets (n.资产，财产; 有价值的人或物; 有用的东西; 优点;) to survive.（跟读）
5.Sooner or later, he knows his health will decline (n.下降; （力量、健康、品格、权力、价值等的）衰退)and he'll have to stop working.
6.So he needs to prepare.
1.Most of his wealth is in the form of company stock and the value of his home.
2.Both of these are at risk.
3.The company stock may go down, and the value of his home may also fall.
4.The company he works fo is a pharmaceutical (美[ˌfɑ:rməˈsu:tɪkl],adj.制药的，配药的;)company.
5.It develops new drugs, which is a risky business, and sells them worldwide.
6.It's expensive to develop new drugs, and it can take a very long time to get a new drug approved.
7.Without government approval(美[əˈpruvəl], 批准，赞成，同意） it can't be sold, which can result in a huge loss.
1.Another threat to the company comes from foreign competition, which is getting stronger.
2.The company has also started to move some of its research and production facilities (设备( facility的名词复数))overseas.
3.Salary levels are lower there, and the quality of foreign workers is getting better.
4.As a result, the company has reduced its local hiring and is no longer giving large bonuses.
1.One thing he is considering is to sell his shares(n.股( share的名词复数 )份）in the company.
2.He could begin to sell a little at a time and reinvest(美[ˌri:ɪn'vest],vt.再投资于，再授给;)the money somewhere else.
3.But where would he invest?
4.He doesn't know much about investing, and several of his friends have lost a lot by making bad investments.
5.Investing in real estate (美[ɪˈstet]n.财产，遗产，房地产; 个人财产; 不动产权; ) or the stock market could be very risky.
