純正地道美語第161期(外教講解):社會保險

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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 美國政府推行的一項保護某些羣體的政策

invest vt. 投資
The state has planned to invest two millions in the dam.
國家計劃投資兩百萬元修建這個大壩。

【拓展詞彙】
pension n.養老金，撫卹金

disability insurance傷殘保險

survivor benefits遺屬津貼(援助那些勞動力死亡的家庭)

unemployment benefits/compensation 事業保險

defined benefit plan養老金的固定受益計劃

A:那是個有意思的紀錄片。

B:當然，我不明白影片中檔他們談到美國社會保險時提及的一些技術術語。

A:比如說？

B:他們提到人們如何將錢投進一個叫401K的東西。

A:我知道它聽起來和奇怪，事實上401K是一項退休計劃，它允許僱員將錢省下來爲了以後的退休而投資。通過這個機會，你可以授權僱主從你的工資中扣除一定量的錢，並將錢投入那個計劃。每個人都儘可能的出錢，以便當你退休時可以安享晚年。

B:那很有意思也很符合邏輯。在我的國家，我們必須拿些錢加入政府經管的基金，但是大多數人並不相信，人們還是將錢投到房產或類似的東西上。

A:那看起來不穩定，你不覺得嗎？