Question

【題目】根據短文內容，從短文后的選項中選出能填入空白處的最佳選項。選項中有兩項為多余選項。

As Nicole and Mike Zupan get closer to retirement, they worry about more than just covering their own living expenses for the next several decades.

【1】 He is autistic(患自閉癥的) and may never be able to live on his own. Their idea of retirement is to live a quiet life close to their son. 【2】 They want to create a special needs trust to help pay for treatment and other expenses he might face as an adult.

“Because of our son’s needs, I guess I never really considered true retirement for us,” she says.

【3】 She is to attend college in a few years.

The Zupans’ ideal plan is for Mike, 60, to retire first, in five to seven years, and for Nicole, 52, to continue working for several years beyond that before she joins him in retirement.

But before they can get there, they want to pay off the $18,000 in credit card debt, partly because their son’s treatment is not covered by insurance. They have about $230,000 left on the mortgage(按揭) for their home in Fairfax County, Va., which they assess will take about 12 years to pay off. 【4】

Matters are complicated by the fact that Nicole, who worked as a preschool teacher, is now unemployed while she recovers from foot operation. 【5】 Mike’s $120,000 income, which he earns as a government clerk, is enough to cover their basic living expenses. But Nicole wants to get back to work so the family could afford more treatment for Josef and pay down their debt faster. They also would be able to save more for their long-term goals, including retirement, their daughter’s college tuition and their son’s future living expenses.

A. Besides they have a $14,000 loan they used on home improvements.

B. It’s unlikely that Josef will go to college.

C. They’re also trying to save for their 14-year-old daughter, Elshaday.

D. They want to set aside enough money for their 15-year-old son, Josef.

E. It could be a few weeks before she can return to the workforce.

F. Can their retirement savings cover them?

G. He may need to move into a group home when he gets older.

Answer 1

【答案】

【1】D

【2】G

【3】C

【4】A

【5】E

【解析】

試題分析：Nicole和Mike Zupan臨近退休，他們擔心接下來數十年的生活費用。

【1】D 第二段是在講夫婦倆有一個自閉癥兒子，他們想給兒子留一點錢，并擔心他長大后的治療和一些需求。可知36,37題分別選擇D,G

【2】G 同上題解析

【3】C講完兒子就談到他們女兒以后的生活費用，幾年之后將要讀大學。故選C

【4】A短文第六段談到他們真正能退休前需要的一些費用，包括信用卡，按揭和貸款，由上文結構都是在舉例子，可知還有貸款，故選A

【5】E短文最后一段第一句Matters are complicated by the fact that Nicole, who worked as a preschool teacher, is now unemployed while she recovers from foot operation.說到妻子還沒從腳手術康復過來，所以沒有工作，在她重新工作之前還要幾個周，目前只有丈夫的工作收入。由此可知選擇E