Do you think companies will expand their international sales activities in the future? (Why? / Why not?)

Do you think the Internet will become more widely used by companies in the future? (Will more companies use the Internet in the future?)

What do you think the speaker will talk about in the next part of his speech?

A．The contributions the elderly can make to our societies.

B．The swelling burden of supporting welfare programs in the future.

C．Our responsibility of building retirement homes for our graying society.

D．Our responsibility of looking after the old family members by ourselves.

What does the "great difficulty which hinders all the higher types of human effort" mean?

A．Prolonged and fixed routine work in the apprenticeship period.

B．The young employee's seldom seeing the president of the company.

C．Universities' failure to get young people ready for future work.

D．Young men having to obey orders in the early stage of their work.

聽力原文：M: Do you think people today do a good job of planning for financial emergencies?

W: Well, I think most people want to have a secure future. Urn, however, the information they need, um, to achieve financial security isn't at their fingertips. OK, for example, well, they need to establish their goals, for instance, how much money do you need to live, what would be a basic amount that you need to live? They have to take things like whether they want to pay for their children to go to college, which college they're going to go to, and many people in the baby boomer group are faced with having to care for a parent, which is an added expense and has to be, urn, considered in any future financial decision.

M: Then how much money do you think people need to save for themselves?

W: Well, the thing is, you should have 3 ～ 6 months of monthly salary saved, so whatever your monthly salary is you should have enough to pay your expenses for 3 ～ 6 months without any income.

M: And then in addition to that, most of us need to plan for college, retirement, taking care of parents, etc. ?

W: Uh-huh. And the kinds of things that rise up unexpectedly, for example, like the water heater blowing up or the car not starting in the morning.

M: So, what's the biggest mistake people make?

W: Well, they tend to live from paycheck to paycheck. And when something unexpectedly occurs, if they don't have someone to help, they just go deeper and deeper into debt, you fall farther and farther behind in your payments. Or, it gets so bad that you lose everything, like what has happened to many people who are forced into homelessness and are there because their debts became overwhelming.

M: So, if you could give people one piece of advice to make their financial future more secure, what would you suggest?

W: Younger people often spend every last cent that they earn. After they pay their bills, they complain that there's nothing left over to save. The best advice I can give is to say "Pay yourself first". When you get your paycheck, save some portion of it, even $10 a week. That's giving up a movie, and one stop at a fast food restaurant. Let's say you start with $3,000, and you add $10 a week to that at a pretty reasonable rate of 13% a year. In 60 years you'll have 5.6 million dollars. That's pretty amazing, isn't it?

According to the woman, how much money should people save for themselves?

A．3 ～ 6 months of monthly salary.

B．13% of salary.

C．$10.

D．Not mentioned.

聽力原文：M: Do you think people today do a good job of planning for financial emergencies?

W: Well, I think most people want to have a secure future. Um, however, the information they need, um, to achieve financial security isn't at their fingertips. Um, OK, for exam pie, well, they need to establish their goals, for instance, how much money do you need to live, what would be a basic amount that you need to live? They have to take things like whether they want to pay for their children to go to college, which college they're going to go to, um, and many people in the baby boomer group are faced with having to care for a parent, which is an added expense and has to be, um, considered in any future financial decision.

M: Then how much money do you think people need to save for themselves?

W: Well, the thing is, you should have 3—6 months of monthly salary saved, so whatever your monthly salary is you should have enough to pay your expenses for 3—6 months without any income.

M: And then in addition to that, most of us need to plan for college, retirement, taking care of parents, etc.?

W: Uh-huh. And the kinds of things that rise up unexpectedly, for example, like the water heater blowing up or the car not starting in the morning.

M: So, what's the biggest mistake people make?

W: Well, they tend to live from paycheck to paycheck. And when something unexpectedly occurs, if they don't have someone to help, they just go deeper and deeper into debt, you fall farther and farther behind in your payments. Or, it gets so bad that you lose everything, like what has happened to many people who are forced into homelessness and are there because their debts became overwhelming.

M: So, if you could give people one piece of advice to make their financial future more secure, what would you suggest?

W: Younger people often spend every last cent that they earn. They live from paycheck to paycheck. After they pay their bills, they complain that there's nothing left over to save. The best advice I can give is to say "Pay yourself first." When you get your pay-cheek, save some portion of it, even ＄10 a week. That's giving up a movie, and one stop at a fast food restaurant. Let's say you start with ＄3000, and you add ＄10 a week to that at a pretty reasonable rate of 13% a year. In 60 years you'll have 5.6 million dollars. That's pretty amazing, isn't it?

According to the woman, how much money should people save for themselves?

A．3～6 months of monthly salary

B．13% of salary

C．＄10

D．Not mentioned