新東方網>大學教育>四六級>四六級真題>四級真題>正文
2020年9月大學英語四級閱讀試題選詞填空源文
以下內容是2020年9月大學英語四級閱讀試題選詞填空源文供各位考生參考！新東方網四六級頻道第一時間更新公布英語四六級真題答案。同時廣大考生還可隨時@新東方網四六級微博，與線上老師以及考生隨時互動答疑，敬請廣大考生密切關注2020年9月英語四六級真題解析專題。
四級成績算分、六級成績算分功能→_→猛戳
想知道新東方老師如何點評9月考試→_→猛戳
Opinion
The three types of financial stress
By Paul Benson
November 7, 2018 - 12.00am
There are three main types of financial stress that I come across on a regular basis. The first is inherited, the second is debt, and the third is longevity.
Inherited financial stress is the most common and debilitating. It is experienced by those who have grown up in households where their parents regularly argued and fought about money. Money therefore becomes a stressful topic, and so the thought of sitting down and planning is about as attractive as volunteering to have a root canal done by a trainee dentist.
Financial stress can make you broke, like a vicious circle.Credit:Shutterstock
Those suffering inherited financial stress tend to follow one of two patterns. Either they put their head in the sand - they don't open their superannuation statements, don't budget, and certainly don't discuss financial matters with their loved ones.
Alternatively they go to the other extreme, and micro-analyse everything, to the point of complete paralysis. They're convinced that whatever decision they make, it will be the wrong one.
Advertisement
The next common type of financial stress is that caused by debt. In 99 out of 100 cases of debt-induced financial stress, credit cards will be a central element. And yes, that is intentionally plural - there's never just one. Often there'll be a car loan and perhaps a mortgage, but credit cards certainly seem to be the gateway drug to debt-related financial stress.
The final form of financial stress, that I see, I've somewhat imperfectly termed longevity. This manifests itself in being stressed about the normal ups and downs of investment markets - actually not so much the ups, but definitely the downs.
So what can you do to prevent financial stress from holding you back?
The first thing to do is have a separate bank account for your bills and regular expenses, and have an automatic transfer from your everyday account every time you get paid, to top it up.
With this system up and running, you will know that whenever a bill comes in, you have the money sitting there waiting to pay it. This means, a) no more stress, and b) no need to hit the credit card.
Advertisement
Related Article
Opinion
Household debt
The pressure of living under the weight of debt
The next thing is to clear your unproductive debts. Determine which debt is the most expensive and focus all your attention on getting rid of it. Again, use automatic transfers as much as possible to avoid the risk of weakened willpower.
Another useful way to alleviate financial stress is to have some projections done, so you have a good sense what the long-term outlook is. You'll find your super fund website will have a projection tool so you can get an estimate of where your retirement savings will end, and sites like the government's Money Smart has some good calculators for this purpose too.
Worst-case planning is another great way to reduce worry. This is where you list out the biggest worries you have, and then determine what action you'd take if those things occurred. The actions may not always be pleasant, but just knowing you have a plan can remove that dark cloud floating around in the back of your brain.
Finally, don't be afraid to talk about your finances with your partner or other loved ones. Especially for couples; you're a team, and chances are if you're worried about your finances but are too afraid to discuss it, so is your partner. Don't pass your inherited financial stress down to your kids.
【考後關注】
新東方四六級估分系統，逼真還原9月試題，精準估分提早了解過沒過線！具體估分規則，敬請關注新東方網四六級真題解析專題！
新東方熱報課程推薦》》
英語四級強化班|英語六級強化班
考研公共課|考研無憂計劃
官方微信：新東方四六級 （微信號：xdfcet46）
英語四六級課程、聽說讀寫譯方法、最新資訊，請掃二維碼，關注我們!
名稱名稱
微信掃碼關注"新東方網"服務號
即可立刻獲取！
版權及免責聲明
① 凡本網註明"稿件來源：新東方"的所有文字、圖片和音視頻稿件，版權均屬新東方教育科技集團（含本網和新東方網） 所有，任何媒體、網站或個人未經本網協議授權不得轉載、連結、轉貼或以其他任何方式複製、發表。已經本網協議授權的媒體、網站，在下載使用時必須註明"稿件來源：新東方"，違者本網將依法追究法律責任。
② 本網未註明"稿件來源：新東方"的文/圖等稿件均為轉載稿，本網轉載僅基於傳遞更多信息之目的，並不意味著贊同轉載稿的觀點或證實其內容的真實性。如其他媒體、網站或個人從本網下載使用，必須保留本網註明的"稿件來源"，並自負版權等法律責任。如擅自篡改為"稿件來源：新東方"，本網將依法追究法律責任。
③ 如本網轉載稿涉及版權等問題，請作者見稿後在兩周內速來電與新東方網聯繫，電話：010-60908555。