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提问人：网友xuanlingtao
发布时间：2022-01-06
[主观题]
You dont need to pay tax for the 529 plan earnings if you use it for higher education.
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更多“You dont need to pay tax for the 529 plan earnings if you use it for higher education.”相关的问题
第1题
根据以下内容，回答下列各题。 Six Steps to Tackling Your Student Loans [A] Any payment is a
good debt payment, but a strategy can be useful too-even if your strategy means opening the envelope. Open the envelope [B] This is the hardest thing to do. The bills come with the "Sallie Mae" or "Discover" logo on them and you toss them aside, hoping to deal with them when you feel less besieged (围攻). You know you started owing some amount- $20,000, $50,000, $100,000—and that the interest is piling up, but you dont know exactly how much or how. When faced with heavy debt, many people try to avoid seeing the numbers. [C] This doesnt work, even psychologically. Anyone who has let credit-card bills or mortgage bills pile up, 1reopened, knows that avoiding the envelope does not reduce your anxiety; it increases it. As those envelopes multiply, they take over your psychological state. In horror movies, its like the monster in the room behind the door. You dont know what it looks like, but it keeps you scared and immobile. So, open the envelope. [D] Or, even better, log in online. All student loan providers have a web site where you can see what you owe, your interest rates, and your payment schedules. SallieMae. com is no-frills, but still allows you to see your loans on one screen, including your interest rates. Discover. corn also has a pretty basic site. Citibank has a more complex site. Get used to logging into these sites pretty often; ff you need motivation, think of it as visiting your money while its in prison. [E] The websites all have one thing in common: they let you see how much you owe, and what your interest is, and they make it easy to pay-but they dont let you see how much your debt load is growing. This is a major motivating factor in paying down your loans. Identify your loans [F] Are your loans held by the federal government--usually through Sallie Mae--or through "private" lenders like Citibank or Discover？ if you dont know who holds your loans, you can find out here, at the National Student Loan Data System. [G] Why do you need to know who holds your loans？ This will make a difference to your payment options and your interest rates, if you have a federal loan, for instance, your interest rate is probably very low, around 32% ; ff you have private loans, the interest rates are likely to be much higher, around 48%. Federal loans also give you options like requesting forbearance (延期还贷) ff youre out of work or if your income is too low-handy for the times when youre down on your luck. Start seeing your debt in new ways [H] The websites of lenders are often limited and only have basic information. To really tackle your student loans, it can often be useful to visualize how much progress youre making. There are several ways to do that. [I] One really useful new free site is Tuition. io, which gathers information for all your loans in one place. You can see your debt in colorful charts, play around with repayment plans, and, once you start paying your loans, you can see the numbers start to fall. That can be very motivating. [J] For the same effect that you can customize yourself, try a Google Docs spreadsheet. Theres a template that already exists for paying down loans; it has the unpromising title of "Loan amortization schedule by Vertex42. corn" but it has very handy calculators built in so that you can tweak your monthly payments to see how much progress you can make if you increase or decrease your payments in any given month. If you dont like that template, just create a Google Docs spreadsheet with the categories you need: date; loan name/number; loan interest rate; starting loan amount (including how much you owe on that date) ; payment amount you made on that date; ending loan amount after that payment. After you have enough entries, you can start creating graphs; there are few things more satisfying than seeing that graph move downward as you pay off your debt. [K] If you want to see your loans in a larger context of your whole financial picture, LearnVest is a great mobile app for iPhone. It gathers all your information income, loans, credit card debt by linking to your accounts. It serves up useful graphs on your net worth, comparing your assets to what you owe -and theres nothing more motivating than seeing a "minus" sign next to your financial picture. LearnVest "also lets you track your spending, which may make it easier to see where to cut down on expenses so that you can put more into your loan payments. LearnVest also has a good website full of useful advice .Dont be afraid to scare yourself [L] Student loans can often be scary and thats Why you should slay them. The more you see how much you owe, and how fast your interest is rising, the more motivated you can be to fight back by paying those loans. One staffer, after she saw how much money she was wasting on interest payments, increased her student loan payments by $ 75 a month. [M] It can also be tempting to believe that your student debt is so big that nothing you do can ever make a dent in it. Thats completely untrue. Only paying your loans will shrink them. It will take years, true. It will take even longer if you dont pay, or pay the minimum. Theres only one outcome of shirking your loans: ending up with bigger loans. Then youre in an even bigger bind. No one is going to save you from student loans. Action counts. Choose a strategy [N] Any payment is a good payment, but a strategy can be very useful too. There are two aspects to loans :principal and interest .Principal is how much youve borrowed ,and the interest is what youre paying every month for the privilege of having borrowed that money. Your goal is to pay down as much of the principal as possible. Your chief enemy here is interest: it grows fast, and makes the principal recede more distantly. [O] So make sure you know the rank of your loans, in order from smallest to largest, and lowest interest to highest interest. Do whatever is possible to reduce the interest; as our columnist Helaine Olen points out, Sallie Mac offers you a 0. 25% reduction in your loan interest if you sign up for an automatic debit (借方 ) plan--just make sure the money is always going to be in your account. If you dont want to do that, follow Helaines other piece of advice: youre smarter to pay off the loans with the higher interest rate flint. This will create the biggest impact. Another popular strategy is the "snowball" method, where you pay the most on the smallest debt owed. So if you have a $20,000 loan and a $10,000 loan, the "snowball" method means you will start paying more towards the $10,000 loan. Youll see it disappear faster. These two methods dont always go together; so try what feels comfortable. The important thing is to see and track your progress. [P] If your income isnt enough, consider other methods of producing money: side projects, odd jobs, or selling things you dont need on eBay or Craigslist. For those whose parents can afford it, working out a joint payment plan can make sense. One graduate we know struck a savvy (精明的) deal with his parents: if he made the minimum student loan payment every month, they would contribute $100 toward his student loans. Thats $100 he doesnt have to cut from his own budget. As a benefit, making bigger payments will help you pay down the principal of the loan, since the minimum payments often only end up reducing your interest, which balloons back later. Even $ 50 more a month can help. [Q] Heres an example: if you have a $ 20,000 loan, with a 4.2% interest, rate, you will end up paying an extra $ 2,814 in interest alone over six and a half years. If you increase your payment by only $ 50 a month, youll cut that interest by $ 500 ; ff you can find a way to pay $ I00 more a month, youll save nearly $ 800 in interest. Thats $ 800 more in the bank, and $ 800 less wanted on pointless interest payments. Take it in stride [R] Most Americans owe some form. of debt; learning how to handle it is a lifelong process. Most of all, dont beat yourself up if youre not perfect at paying down your loans. Some of the savviest financial players struggled for years with their own finances. We all learn in our own time and we rind what works for us and what doesnt. Accept your own progress. If you have a federal loan, you are allowed to pay back the loan later when you are fired.
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第2题
听力原文：Academic adviser How do you do, Miss Wu？ Please have a seat. Student It is ver
y nice to see you! Thank you. Academic adviser Now then, let us look at your transcript. Student OK! Here you are! Academic adviser It is very clear and solid. You have your Bachelor of Arts in English and now you want to get your Masters in Education, right？ Student Right. I got my Bachelor of Arts in English last year. Academic adviser Why do you want to get Masters in Education？ Student Because I am interested in Education. But I dont know what 111 need. Academic adviser You will need 36 credit hours, of which 15 must be from the English Department and 15 from the Education Department. For the remaining six credit hours, you can either write a thesis or take two selected courses. Student You mean that 36 credit hours are the minimum？ Right now, this is very confusing to me, but I am sure it will straighten out in my mind as I learn more about it. Academic adviser Let us program your courses. Since you have had English Literature, you should take American Literature and American Prose and Fiction. Your transcript. indicates that your English background is strong, so I dont think you will have any problem with it. Student OK! I loved English Literature and got an A. I am also interested in studying American Prose and Fiction. How many credits can I get for each course？ Academic adviser Three. You should also take two three-credit courses in the Education Department. I suggest Educational Psychology and Audiovisual Methods and Aids. That will give you 12 hours altogether which is the minimum for a full-time student. Student Excuse me. Actually I am a part-time student. I am sorry I dont have enough time to take all the courses, although m attracted by them. So I would like to audit one course. Academic adviser Thats right. You have been appointed Assistant Head Resident at Western. How many hours do you have to work？ Student Twelve hours a week. Since this is my first time in the United States, I dont want to fail any classes and would therefore prefer a somewhat lighter program. In addition, I am a part-time student, so it is very hard for me to select all the courses. In order to pass the exams smoothly, have to choose lighter ones. Academic adviser That is correct. In fact you must maintain a B average to earn your Masters. In other words, if you get a C, you will need an A to balance it out. If you get a D, it takes two As to raise it to a B average. Student Oh! My goodness! It is so complex. I definitely dont want to get any Ds or Fs. Academic adviser Yes, you are right. Student Id better go slowly but surely, like the tortoise in the fable. Academic adviser That is a good idea. Which course do you want to audit？ Student American Prose and Fiction. Academic adviser Are you aware that even though you wont receive any credit for an audited course, you still pay the same for the other courses？ Student Yes, I am. I know that the professor will keep track of my attendance, but I wont have to do any papers or take any exams. Academic adviser Fine. You are set now. Jim will show you to the Administration building. Good luck, and I hope you will enjoy studies here at Miami. Student Thank you. I am sure I will.Narrator Listen to a conversation between a student and a academic adviser. Now get ready to answer the questions. You may use your notes to help you answer.
点击查看答案
What are the speakers mainly discussing？
A．The adviser directs the student on how to get a Bachelor of Arts in English.
B．The adviser gives some advice to the student about her courses.
C．The adviser explains the courses and class grades in detail.
D．The adviser instructs the student on how to pay her tuition.
第3题
听力原文：M: Honey, the basketball game is about to start. And would you bring some chips,
ice cream, and a piece of pizza from the refrigerator？ W: No problem. Anything else？ M: No, thats enough for now. Hey, our company is organizing a basketball team, and Im thinking about joining. What do you think？ W: Humph! M: "Humph!" What do you mean by "Humph"？ I was the starplayer in the university. With my help, our team once won the state championship five times in a row. W: Yeah, but that was some fifteen years ago. Look, I just dont want you to have a heart attack, running up and down the court. M: So, what are you suggesting？ Should I just give up the idea？ Im not that out of shape. W: You are not that out of shape？ It has been at least 5 years since you played last. You ought to have a physical examination before you begin. M: Well, OK, Ill follow your advice. But dont fuss too much about my health. At least I had kept training for more than 15 years before graduating. W: Once you stopped exercises for some time, you should be careful when you plan to resume. Besides, you need to watch your diet and eat less fatty foods, like ice cream. You should try eating more fresh fruits and vegetables. Dont you think you are not as fit as before？ M: Oh, yeah, youre probably right. From today on, all ice cream in our refrigerator belongs to you. I will never touch it. W: Good! And you should take up a little weight training to strengthen your muscles. M: Weight training？ Come on! Is there anything else？ W: Oh, you need to go to bed early instead of watching TV till midnight. M: Hey, youre starting to sound like my mother. W: No, I just love you, and I want you to be healthy and enjoy life. Questions 13 to 15 are based on the conversation you have just heard. 13. Where does the conversation most probably take place？ 14. What is the womans attitude towards the mans joining the basketball team？ 15. What can we learn about the man from the conversation？13．
点击查看答案
A．He should stay at home watching TV.
B．He shouldn"t join the basketball team unless he had a physical exam.
C．He should pay attention to his diet and health.
D．He shouldn"t boast about his role in the university.
第4题
You thought the rising cost of college tuition was bad？ Then check out the rising cost of
college textbooks. The American Enterprise Institutes Mark Perry has put together a detailed chart showing the notorious, 812 percent rise in the cost of course materials since 1978, as captured in the Bureau of Labor Statistics consumer price index data. The price of all those Introduction to Sociology and Calculus books have shot up faster than health-care, home prices, and, of course, inflation. Academic publishers will tell you that creating modern textbooks is an expensive, labor-intensive process that demands charging high prices. But as Kevin Carey noted in a recent article, the industry also shares some of the dysfunctions that help drive up the cost of healthcare spending. Just as doctors prescribe prescription drugs they will never have to pay for, college professors often assign titles with little consideration of cost. Students, like patients worried about their health, dont have much choice to pay up, lest they risk their grades. Meanwhile, Carey illustrates how publishers have done just about everything within their power to step up their profits, from bundling textbooks with software that forces students to buy new editions instead of cheaper used copies, to suing a low-cost textbook start-ups over ill-conceived and inadequate copyright claims. And that has consequences for students. According to the National Association of College Stores(NACS), the average college student reports paying about $655 for textbooks and supplies annually, down a bit from $702 four years ago. The NACS credits that fall to its efforts to promote used books along with programs that let students rent rather than buy their texts. But to put that $655 in perspective, consider this: after aid, the average college student spends about $2,900 on their annual tuition, according to the College Board. Were not talking about just another drop in the bucket here. AEIs Perry writes that hes confident open educational resources, made available via the web, will eventually make traditional textbooks obsolete, just as Wikipedia killed off the encyclopedia. The difference is that nobody I know ever had a college professor who said, "If you dont read the encyclopedia, youll likely fail this class." If we ever want to bring the cost of these books under control, the faculty need to become responsive to the problem.
点击查看答案
The first paragraph is mainly concerned with______.
A．the rising cost of college tuition
B．a detailed chart of price indexes
C．the exceedingly high rate of inflation
D．the soaring price of college textbooks
第5题
听力原文：Narrator Listen to a talk between two students. Student A Hi, Sam! Student B H
ello, Lisa! Hows everything going？ Student A Not bad. Im just thinking about a question. Do you think people today do a good job of planning for financial emergencies？ Student B Well, I think most people want to have a secure future. Umm, however, the information they need, umm, to achieve financial security isnt at their fingertips. Student A What do you mean by this？ Student B Umm, okay, 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 survive？ Student A Yeah, that is worth thinking about. Student B Whats more, they have to take other things into consideration like whether they want to pay for their children to go to college and which college theyre going to go to. Student A And also they need to think about their parents. Student B Thats true. Many people born during the baby boom are faced with having to care for a parent, which is an added expense and has to be considered in any future financial decisions. Student A Then how much money do you think people need to save for themselves？ Student B 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. Student A And then in addition to that, most of us need to plan for college, retirement, taking care of parents, etc. ？ Student B Uh-huh. And the kinds of things that arise unexpectedly, for example, like the water heater blowing up or the car not starting in the morning. Student A So, whats the biggest mistake people make？ Student B Well, they tend to live from paycheck to paycheck. Student A Live from paycheck to paycheck？ Student B Yeah. I mean when something unexpectedly occurs, if they dont have someone to help them, 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. Student A So, if you could give people one piece of advice to make their financial future more secure, what would you suggest？ Student B Younger people often spend every last cent that they earn. They live from paycheck to paycheck. After they pay their bills, they complain that theres nothing left over to save. The best advice I can give is to say, "pay yourself first". Student A I agree with you. The first thing is to "pay yourself". Student B Surely. When you get your paycheck, save some portion of it, even just $ 10 a week. Thats giving up a movie, and one stop at a fast food restaurant. Lets 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 youll have $ 5. 6 million dollars. Thats pretty amazing, isnt it？ Student A Yeah. Thats really a big amount! Well, youve really given me some great advice! Thanks a million! Student B Ha! Youre welcome! Now get ready to answer the questions. You may use your notes to help you answer. 1. What are the students mainly discussing？ 2. According to the conversation, why should we save 3-6 months of monthly salary？ 3. What does Student B mean when he says this？ Student B Well, I think most people want to have a secure future. Umm, however, the information they need, umm, to achieve financial security isnt at their fingertips. 4. Whats the biggest mistake people make regarding financial decisions？ 5. What does Student B imply when he says this？ Student B The best advice I can give is to say, "pay yourself first".Narrator Listen to a talk between two students. Now get ready to answer the questions. You may use your notes to help you answer.
点击查看答案
What are the students mainly discussing？
A．What they learned on a field trip.
B．Strategies for test preparation.
C．The impact of their studies on their daily lives.
D．Planning for possible financial emergency.
第6题
听力原文：Narrator Listen to a conversation between a student and a academic adviser. Aca
demic adviser How do you do, Miss Wu？ Please have a seat. Student It is very nice to see you! Thank you. Academic adviser Now then, let us look at your transcript. Student OK! Here you are! Academic adviser It is very clear and solid. You have your Bachelor of Arts in English and now you want to get your Masters in Education, right？ Student Right. I got my Bachelor of Arts in English last year. Academic adviser Why do you want to get Masters in Education？ Student Because I am interested in Education. But I don t know what Ill need. Academic adviser You will need 36 credit hours, of which 15 must be from the English Department and 15 from the Education Department. For the remaining six credit hours, you can either write a thesis or take two selected courses. Student You mean that 36 credit hours are the minimum？ Right now, this is very confusing to me, but I am sure it will straighten out in my mind as I learn more about it. Academic adviser Let us program your courses. Since you have had English Literature, you should take American Literature and American Prose and Fiction. Your transcript. indicates that your English background is strong, so I dont think you will have any problem with it. Student OK! I loved English Literature and got an A. I am also interested in studying American Prose and Fiction. How many credits can I get for each course？ Academic adviser Three. You should also take two three-credit courses in the Education Department. I suggest Educational Psychology and Audiovisual Methods and Aids. That will give you 12 hours altogether which is the minimum for a full-time student. Student Excuse me. Actually I am a part-time student. I am sorry I dont have enough time to take all the courses, although Im attracted by them. So I would like to audit one course. Academic adviser Thats right. You have been appointed Assistant Head Resident at Western. How many hours do you have to work？ Student Twelve hours a week. Since this is my first time in the United States, I dont want to fail any classes and would therefore prefer a somewhat lighter program. In addition, I am a part-time student, so it is very hard for me to select all the courses In order to pass the exams smoothly, I have to choose lighter ones. Academic adviser That is correct. In fact you must maintain a B average to earn your Masters. In other words, if you get a C, you will need an A to balance it out. If you get a D, it takes two As to raise it to a B average. Student Oh! My goodness! It is so complex. I definitely dont want to get any Ds or Fs. Academic adviser Yes, you are right. Student Id better go slowly but surely, like the tortoise in the fable. Academic adviser That is a good idea. Which course do you want to audit？ Student American Prose and Fiction. Academic adviser Are you aware that even though you wont receive any credit for an audited course, you still pay the same for the other courses？ Student Yes, I am. I know that the professor will keep track of my attendance, but I wont have to do any papers or take any exams. Academic adviser Fine. You are set now. Jim will show you to the Administration building. Good luck, and I hope you will enjoy studies here at Miami. Student Thank you. I am sure I will. Now get ready to answer the questions. You may use your notes to help you answer. 6. What are the speakers mainly discussing？ 7. What degree has Miss Wu got now？ 8. How many credit hours must a full-time student have in one semester？ 9. How does Miss Wu deal with the audited courses？ 10. What does the student imply when she says this？ Student I dont want to fail any classes and would therefore prefer a somewhat lighter program. In addition, I am a part-time student, so it is very hard for me to select all the courses.Narrator Listen to a conversation between a student and a academic adviser. Now get ready to answer the questions. You may use your notes to help you answer.
点击查看答案
What are the speakers mainly discussing？
A．The adviser directs the student on how to get a Bachelor of Arts in English.
B．The adviser gives some advice to the student about her courses.
C．The adviser explains the courses and class grades in detail.
D．The adviser instructs the student on how to pay her tuition.
第8题
听力原文：Narrator Listen to a talk between two students. Student A Hi, Gilbert! Student
B Hi, Sally! You look so depressed. Anything wrong？ Student A Im really worried about paying my tuition for the next term at school. Student B Why？ Are you having financial problems？ Student A Yeah. School fees are getting so high. I may have to cut back on my classes and work more hours to earn more. Student B I understand why you are worried about that. Every year it seems to me that more students worry about tuition. Student A I agree. And its hard to study full-time and hold down any kind of job. Student B Have you thought about applying for financial aid？ Student A You know, I have, but the real problem is that so many people apply and theres just not enough financial aid available. Student B Have you thought about other ways？ Student A What do you mean？ Is there any other way to solve this problem？ Student B Maybe you could qualify for some kind of student loan that you would repay after you finish studying. You should go to the financial aid office and see what the requirements are. Student A I suppose thats true. Sometimes I wish the cost of education was completely covered by the government. It would sure make my life easier. Student B Maybe, but somebody would still be paying for it. Just not you right now. And I am sure you dont want to pay higher taxes to cover the cost. Student A The real problem is that you just cant give everybody what they want. More services and programs always mean more taxes. Student B Dont you think thats true everywhere, and in a lot of different situations？ Im sure were not the only ones who are worried about this. Student A Oh, I think its quite clear that a lot of people worry about this. Student B Yeah. Thats true. Everybody would like to have a good education and thus has to pay. Student A With a good education becoming more and more necessary to get a good job, I think more people will need to worry about this in the future. I cant even pay for myself! How am I supposed to save up to pay for my kids to go to school？ Student B Hey, when you find the answer to that one, be sure to tell me! You could make a lot of money selling that piece of advice. Student A Ha, ha! That would be wonderful! Student B So just cheer up! Nothing is insolvable. Student A Well, Ive just got to try! Thanks! Student B Dont mention it. Now get ready to answer the questions. You may use your notes to help you answer. 6. What do they talk about？ 7. What does Student A say about her plans for next term？ 8. According to the conversation, in what ways can the students get money for school fees？ 9. According to the conversation, what is the relationship between government services and taxes？ 10. What does Student B mean when he says this？ Student B Hey, when you find the answer to that one, be sure to tell me! You could make a lot of money selling that piece of advice.Narrator Listen to a talk between two students. Now get ready to answer the questions. You may use your notes to help you answer.
点击查看答案
What do they talk about？
A．The education policy of the government.
B．Some new problems with the courses they enrolled in.
C．How to solve the problem of increasing education costs.
D．A workbook to help them with studying finance.
第9题
How much commission do you need to pay altogether？A．B．C．
How much commission do you need to pay altogether？
A．
B．
C．
第10题
听力原文：W: Id rather not talk about it. Just dont ask. M: Come on. I think you need to l
et off some steam. Q: What does the man advise the woman to do？1．
点击查看答案
A．Speak to her previous employer.
B．Get a job working on campus.
C．Attend Career Service"s workshop.
D．Get a job application from him.
