(单词翻译:单击)
中英文本
To maximize his benefits, he also plans to wait as long as possible—until age 70—to draw from Social Security.
为了最大化他的收益,他也计划等待尽可能长的时间,直到70岁才从社会保险中支取出来 。
He expects to receive around $3,500 per month, or $42,000 a year, before taxes.
预计他将拿到税前每月3500美元,或者每年42000美元 。
(Yes, Social Security benefits may be subject to taxes.) Will that be enough? Possibly.
(是的,社会保障福利可能会受税的支配 。)这够吗?可能吧 。
Assuming that Vincent's planned $800,000 nest egg earns a very conservative 6 percent,
假设文森特计划的80万美元储蓄只赚了6%,这个比例非常保守,
that would mean $48,000 a year in proceeds (also before taxes) that he could draw on without touching any of the principal.
这意味着,他每年可以在不触及任何本金的情况下提取4.8万美元的收益(也包括税前收益) 。
According to the Bureau of Labor Statistics, the average retired family spends $45,756 a year.
根据美国劳工统计局的数据,退休家庭平均每年的支出为45756美元 。
His 401(k) and Social Security would easily cover that. Yet despite Vincent's planning, life has thrown some curveballs at the Martins.
他的401(k)退休计划和社会保障计划很容易就能支付这个 。然而,尽管有文森特的计划,生活还是给马丁夫妇带来了一些麻烦 。
The biggest is that Pamela was diagnosed with multiple sclerosis and hasn't been able to work for 20 years.
最大的问题是帕梅拉被诊断出患有多发性硬化症,已经有20年不能工作了 。
She draws a Social Security disability income, around $1,500 per month, and receives benefits from long-term disability insurance, which will disappear when she turns 65.
她每月领取大约1500美元的社会保障残疾收入,并从长期残疾保险中获得福利,而当她65岁时,长期残疾保险将会消失 。
Vincent has been creating an additional pool of funds, what he calls a slush fund, to cover both of their medical costs.
文森特一直在创建一个额外的资金池,他称之为“备用基金”,以支付他们的医疗费用 。
"We're doing as well as we can to prepare," Vincent says.
文森特表示,“我们正在尽最大努力做准备 。”
"I'll care for her for as long as I can in our house, but there will come a time when she will need at least part-time nursing care."
“我会尽可能长时间的在家照料她,但是将来有一个时间她会至少需要兼职护理 。”
Joyce Petrenchak, wealth strategy regional director at PNC Wealth Management, says that people who are worried about rising health-care costs should look into long-term care policies.
PNC财富管理公司财富策略区域主管乔伊斯·佩钦切克说,担心医疗成本上升的人应该考虑长期的医疗政策 。
The catch, however, is that these plans may not cover preexisting conditions, so it's important to enroll sooner rather than later.
然而,隐患在于这些计划可能不能应付先前存在的情况,所以尽早加入是重要的 。
Also, these policies don't cover every cost. The most affordable ones will help pay for in-home assistance with daily activities, such as bathing and dressing.
此外,这些政策并不能覆盖所有成本 。最实惠的将帮助支付家庭日常活动援助,如洗澡和穿衣 。
You can pay for more care, but the "bells and whistles" you get are less important than the peace of mind, says Petrenchak.
佩钦切克说,你可以支付更多的医疗费用,但是你得到的附属的东西可不如你内心的平静重要 。
"These policies give you flexibility and liquidity when you need it," she says.
她说,“这些政策在你需要的时候可以给你灵活性和流动性 。
Mindful of his own struggles to save, Vincent has been working over-time to support his children's efforts.
考虑到自己的努力储蓄,文森特一直在加班工作,以支持他的孩子们的努力 。
Cherlyn Thomas, the Martins' oldest daughter, has her retirement savings on autopilot.
马丁家的大女儿切琳·托马斯的退休储蓄处于自动控制状态 。
A vice president of education services at a school in Chicago and a single parent to 13-year-old Jason, Cherlyn has a 401(k) and 403(b), a similar tax-incentivized retirement account.
切林是芝加哥一所学校负责教育服务的副总裁,也是13岁的杰森的单亲妈妈 。他拥有401(k)和403(b)两个类似的税收激励退休账户 。
She has increased her contributions twice but doesn't keep an eye on her investments. That's actually a good thing.
她两次增加了缴款,但没有注意她的投资 。这实际上是一件好事 。
重点讲解
1.on track走上正轨
Portals attempt to create what they call sticky content to keep a user as long as possible.
门户网站试图创建一些他们所说的粘性内容来尽可能长地留住用户 。
2.be subject to受支配;从属于
Although these targets would not be internationally binding, they would be subject to outside verification.
虽然这些目标不具有国际约束力,但它们将受到外界监督 。
3.draw on利用;吸收
Some people speculate that one could draw on this vacuum energy for an unlimited supply.
有些人推测可以利用这种真空能量来获得无限的能量补充 。
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