an amount of money paid regularly by a government or company to somebody who has retired from work 養老金;退休金;撫恤金 to receive a retirement pension 領取退休金 The party promised to increase the basic state pension by £15 a week. 該黨承諾將基本國家養老金每周增加15英鎊。 a disability pension 殘疾撫恤金 to take out a pension 領取養老金 a workplace/an occupational pension 工作場所/職業養老金 - on a pension
She was struggling to live on a small pension. 她靠微薄的養老金艱難度日。 I've been paying into a private pension for years. 多年來,我一直在繳納私人養老金。 a pension fund 退休金基金 a pension scheme/plan 養老金計劃/計劃
Collocations The ages of lifeThe ages of life 年齡段 Childhood/youth 童年/青年時期 - be born and raised/bred in Oxford; into a wealthy/middle-class family
- have a happy/an unhappy/a tough childhood
有幸福/不幸/艱苦的童年 - grow up in a musical family/in an orphanage/on a farm
成長於音樂之家/孤兒院/農場 - be/grow up an only child (= with no brothers or sisters)
是獨生子 - reach/hit/enter/go through adolescence/puberty
進入/經歷青春期 - be in your teens/early twenties/mid-twenties/late twenties
十幾歲;二十出頭;二十五歲左右;將近三十歲 - undergo/experience physical/psychological changes
經歷生理/心理變化 - give in to/succumb to/resist peer pressure
屈服於/頂住同輩的壓力 - assert your independence/individuality
維護獨立/個性
Adulthood 成年 - leave school/university/home
中學/大學畢業;離家 - go out to work (at sixteen)
(16 歲)投身工作 - get/find a job/partner
找到工作/伴侶 - be/get engaged/married
訂婚;結婚 - have/get a wife/husband/mortgage/steady job
有妻子/丈夫/按揭貸款/穩定的工作 - settle down and have kids/children/a family
安定下來並生兒育女 - begin/start/launch/build a career (in politics/science/the music industry)
開始(政治/科學/音樂)職業生涯 - prove (to be)/represent/mark/reach a turning point in your life/career
最終成爲/代表/標志/達到某人人生/某人職業生涯的轉折點 - reach/be well into/settle into middle age
進入/安度中年 - have/suffer/go through a midlife crisis
經歷中年危機 - take/consider early retirement
提前退休;考慮提前退休 - approach/announce/enjoy your retirement
臨近/宣布/享受退休
Old age 老年 - have/see/spend time with your grandchildren
有孫輩;與孫輩共度時光 - take up/pursue/develop a hobby
開始/追求/培養一種愛好 - get/receive/draw/collect/live on a pension
得到/提取/領取退休金;靠退休金生活 - approach/save for/die from old age
臨近晚年;存錢養老;老死 - live to a ripe old age
高壽 - reach the grand old age of 102/23 (often ironic)
活到 102/23 歲高齡(常作反語) - be/become/be getting/be going senile (often ironic)
變得衰老(常作反語) - die (peacefully)/pass away in your sleep/after a brief illness
在睡夢中/患病不久(平靜地)離開人世
CollocationsFinance Finance 財務 Income 收入 - earn money/cash/(informal) a fortune/the minimum wage/a living wage
- make money/a fortune/(informal) a killing on the stock market
在股市上賺錢/賺一大筆錢/發大財 - acquire/inherit/amass wealth/a fortune
獲得/繼承/積累財富/一大筆錢 - build up funds/savings
積累資金/存款 - get/receive/leave (somebody) an inheritance/a legacy
得到/(給某人)留下遺産 - live on a low wage/a fixed income/a pension
靠低微的工資/固定收入/養老金過活 - get/receive/draw/collect a pension
領取養老金 - depend/be dependent on (British English) benefits/(North American English) welfare/social security
靠福利金/社會保障金過活
Expenditure 開支;支出 - spend money/your savings/(informal) a fortune on…
把錢/存款/一大筆錢花在…上 - invest/put your savings in…
投資/把儲蓄金用於… - throw away/waste/ (informal) shell out money on…
把錢浪費/花費巨資在…上 - lose your money/inheritance/pension
失去錢財/遺産/養老金 - use up/ (informal) wipe out all your savings
把儲蓄用光 - pay (in) cash
用現金支付 - use/pay by a credit/debit/contactless card
- pay by/make out a/write somebody a/accept a (British English) cheque/(US English) check
用支票支付;開支票;給某人開支票;接受支票 - change/exchange money/currency
- give/pay/leave (somebody) a deposit
預付(某人)訂金
Banks 銀行 - have/hold/open/close/freeze a bank account/an account
持有/開立/注銷/凍結銀行賬戶 - credit/debit/pay something into/take money out of your account
記入賬戶的貸方/借方;把錢存入賬戶/從賬戶中取出 - deposit money/funds in your account
往賬戶裏存錢/存入資金 - withdraw money/cash/£30 from an ATM, etc.
從自動提款機等取錢/現金/30 英鎊 - (formal) make a deposit/withdrawal
存款;取款 - find/go to/use (especially North American English) an ATM/(British English) a cash machine/dispenser
找到/去/使用自動提款機 - be in credit/in debit/in the black/in the red/overdrawn
賬面有錢/虧空;有盈餘;透支 - use a mobile/an online banking app/platform/service
Personal finance 個人理財 - manage/handle/plan/run/ (especially British English) sort out your finances
管理/處理/計劃/經營管理/整頓財務問題 - plan/manage/work out/stick to a budget
計劃/管理/制訂/嚴格執行預算 - offer/extend credit (to somebody)
(給某人)提供貸款 - arrange/take out a loan/an overdraft
商定/獲得貸款/透支額 - pay back/repay money/a loan/a debt
償還錢/貸款/債務 - pay for something in (especially British English) instalments/(North American English usually) installments
以分期付款方式購買某物
Financial difficulties 財務困難 - get into debt/financial difficulties
陷入債務/財務困難 - be short of/ (informal) be strapped for cash
缺錢 - run out of/owe money
錢用光了;欠錢 - face/get/ (informal) be landed with a bill for £…
面對/收到一張…英鎊的賬單 - can’t afford the cost of…/payments/rent
承擔不起…的費用/款項/房租 - fall behind with/ (especially North American English) fall behind on the mortgage/repayments/rent
拖欠按揭貸款/分期償還款項/房租 - incur/run up/accumulate debts
帶來/積欠/累積債務 - tackle/reduce/settle your debts
處理/減少/付清債務
Culture pensionspensionsPensions are regular payments made to people who have retired from work. Many people retire and start to receive a pension when they are about 65. The amount of money they receive depends on how much they have paid into their pension scheme and also on the type of scheme.In Britain, a basic state pension has been provided by the government since 1908 for those who paid National Insurance contributions while they were working. Pensions for each generation are paid for out of the contributions of people still working. A problem arising from this arrangement is that more people now live longer but the number of younger people in work has fallen, so that there is less money to pay for pensions and the age at which people start to receive the state pension goes up. This problem is likely to get worse in the future. Some pensioners complain that the state pension does not provide enough money for them to have a reasonable standard of living. People who do not qualify for a state pension, for example, because they have not paid enough National Insurance, may receive income support if they have no other source of money. War pensions for soldiers injured on duty are also paid by the government.Other kinds of pension pay larger amounts of money, though people have to pay more towards them. By law, employers have to offer a workplace pension, into which both workers and employers pay certain amounts. Company pension schemes are less generous than they were in the past: people are living longer, and it has become clear that some pension schemes have not had enough money paid into them. Some people, especially those who are self-employed, belong to private pension schemes arranged through insurance companies. The money paid into company or private pension schemes is invested in the stock market and the pension funds, the organizations that manage this money, are among the most important investors in the City.In the US there are three main types of pensions. The US government operates a programme called social security, and people who work have to pay into this programme. The amount of money they get when they retire depends on how much they earned when they were working, but it is never a lot. It would be difficult to live only on social security payments, and so people also arrange to receive a pension from another source.Many private employers offer a 401(k). This is an account in which an employee can save or invest money for their retirement without paying tax until the money is taken out. In some cases employers will also contribute. A 403(b) is offered for public service employees such as teachers. Many people who want to be sure of having enough money when they retire make their own personal arrangements. One common way of doing this is by opening a special bank account called an IRA, or Individual Retirement Account. With this kind of account people pay less tax than normal, but must agree to leave the money in the bank until they retire.Extra ExamplesTopics Moneyb2, Life stagesb2, Working lifeb2Employees enjoy generous retirement pensions. 員工們享有優厚的退休金。 He draws his pension at the post office. 他從郵局領取養老金。 He is now retired and on a pension. 他現在退休了,靠養老金生活。 Only half of all women qualify for a full state pension. 只有一半的婦女有資格獲得全額國家養老金。 She lives on her pension and her savings. 她靠養老金和積蓄生活。 State pensions are funded by taxpayers. 國家養老金由納稅人提供資金。 The state pension age for men and women will be 65. 領取國家養老金的年齡男女都將是 65 歲。 You will have to find out whether or not you qualify for a pension. 你得弄明白自己是否有資格領取養老金。 workers who have lost all their pensions as a result of company insolvencies 由於公司破産而失去所有養老金的工人 Employers like freelancers as they avoid the extra expense of pension contributions, sick pay and national insurance. 僱主喜歡自由職業者,因爲他們避免了養老金繳款、病假工資和國民保險的額外費用。
Oxford Collocations Dictionaryadjective- adequate
- big
- decent
- …
- collect
- draw
- get
- …
- age
- contributions
- fund
- …
- on a pension
Word Originlate Middle English (in the sense ‘payment, tax, regular sum paid to retain allegiance’): from Old French, from Latin pensio(n-) ‘payment’, from pendere ‘to pay’. The current verb sense dates from the mid 19th cent.