2016年北京师范大学哲学与社会科学院考博辅导班

各位考研的同学们，大家好！我是才思的一名学员，现在已经顺利的考上北京师范大学，今天和大家分享一下这个专业的辅导班，方便大家准备考博，希望给大家一定的帮助。

复试分数线：

码及名称 外 国 语 业务课一 业务课二 总 010101马克思主义哲学 45 60 60

010102中国哲学 45 60 60

010103外国哲学 45 60 60

010104逻辑学 45 60 60

010105伦理学 45 60 60

010106美学 45 60 60

010107宗教学 45 60 60

010108科学技术哲学 45 60 60

分

0101Z1科学思想史与科学社会史 45 60 60

030505思想政治教育 45 60 60

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北京师范大学考博英语真题：

Passage Six

When you leave a job with a traditional pension, don't assume you've lost the chance to collect it.

You're entitled to whatever benefit you've earned——and you might even be entitled to take it now.

“A lot of people forget they have it, or they think that by waiting until they're 65, they'll have a bigger

benefit,” says Wayne Bogosian, president of the PFE Group, which provides corporate

pre-retirement education.

Your former employers should send you a certificate that says how much your pension is worth.

If it's less than $ 5,000, or if the company offers a lump-sum payout, it will generally close your

account and cash you out. It may not seem like much, but $5,000 invested over 20 years at eight

percent interest is $23,000. If your pension is worth more than $ 5,000, or your company doesn't

offer the lump-sum option, find out how much money you're eligible for at the plan's normal

retirement age, the earlier age at which you can collect the pension, the more severe penalty for

collecting it early. You'll probably still come out ahead by taking the money now and investing it.

What if you left a job years ago, and you're realizing you may have unwittingly left behind a

pension? Get help from the Pension Benefit Guaranty Corporation. It has an online search tool that

has helped locate $47 million in lost benefits for more than 12,000 workers.

If you have a traditional pension, retiring early costs more than you might expect. Most people

assume you take a proportional cut for leaving before your plan's normal retirement age. For

example, you might think that if you need to accrue 30 years of service and you leave three years

early, you'd get a pension 90 percent of the full amount.

But that's not how it works. Instead, you take an actuarial reduction, determined by the

employer but often around five percent a year, for each year you leave early. So retiring three years

early could leave you with only 85 percent of the total amount.

When you retire early with a defined-contribution plan, the problem is you start spending

investments on which you could be earning interest. If you retire when you're 55, for example, and

start using the traditional pension then, by age 65 you'll have only about half of what you would have

had if you'd kept working until 65.

46. When one leaves a job with a traditional pension, .

A. he tends to forget that he has the pension

B. he has no right to ask for the pension

C. he'll have a bigger benefit than if he waits until the age of 65

D. he has a specified worth of pension

47. If one leaves early before his plan's normal retirement age, .

A. he'll take 90 percent of the total amount of his pension

B. he'll have half of his pension payments

C. he'll have his pension payment reduced by 5% a year

D. he'll have only 85 percent of his full pension

48. If one retires early with a defined-contribution plan, he is expected to

A. earn less interest. B. be better off than with a traditional pension.

C. start investment immediately. D. get less Social Security benefits.

49. Which of the following can be used as the subtitle for the last three paragraphs?

A. Your Payout Is Not Guaranteed. B. The Retirement Dilemma.

C. Leave Early, Lose Big. D. Take the Pension with You.

50. Which of the following is NOT true?

A. If one leaves 3 years early on a 30-year-service basis, he won't get a pension worth 27/30ths.

B. It pays to get an early retirement if one understands how retirement pension plan works.

C. The Pension Benefit Guaranty Corporation helps the retiree to recover last benefits.

D. If one keeps his expenses within his retirement framework, he won't be severely affected.