请问英语翻译A retired engineer almost bankrupted her family by giving all its money to charity before "doomsday" on Dec 21. As the date approached, the woman, surnamed Jiang, said she felt the overwhelming urge to do good - so she donated about 2 million yuan ($321,000) to _百度作业帮
请问英语翻译A retired engineer almost bankrupted her family by giving all its money to charity before "doomsday" on Dec 21. As the date approached, the woman, surnamed Jiang, said she felt the overwhelming urge to do good - so she donated about 2 million yuan ($321,000) to charitable causes. To get the cash, she mortgaged her family's apartment in Nanjing and also withdrew all the family savings and borrowed money.
一个退休的工程师在世界末日12月21日之前几乎将她所有的财产都捐给了慈善机构.距离这天的到来越来越近,这位姓江的女士觉得做善事会让自己的内心很感动,所以她捐出200百万人民币（321000美元）做慈善事业.为了得到这笔资金,她抵押了在南京的房产,并且花费了整个家庭的积蓄和借来的钱.
一个退休的工程师几乎破产，她的家人给的钱给慈善机构“世界末日”之前，在21。随着日期的临近，女，姓姜，说她感到了督促做好了——所以她捐赠了2000000元（321000美元）捐给慈善事业。得到的现金，她抵押了她的家在南京的公寓也撤回了所有的家庭储蓄和贷款。...
在12月21日，“世界末日”前夕，一位退休工程师几近捐出全部家产，该位姜女士声言她感到做好事“刻不容缓”，所以她将大约2百万人民币都捐给慈善用途。为筹到这笔钱，她把自家的南京房子抵押了还提取了全部存款，借了外债
一个退休的工程师在“世界末日”之前，倾家荡产地将所有的钱都捐给了慈善事业。随着这个日子的临近，姜女士说她感到一种无法抑制的想做好事的渴望，所以她捐赠了200万人民币给慈善机构。为了拿到足够的现金，她抵押了她家在南京的房产，而且还将家里所有的现金集齐的基础上又借了很多钱。...
一位退休的工程师将她家所有的积蓄在“世界末日”-12月21日来临之前捐献给了慈善机构，使得这个家几近破产。随着日期的临近，这位姜/蒋姓女士称她感到了强烈的驱动力推动她去做善事——所以她捐赠了差不多200万人民币（约合32.1万美金）给慈善事业。为了取得现金，她抵押了她家在南京的公寓，取出和回收了所有的储蓄和借款。 如果末日没来，她肿么办哦~~ 呵呵。...
9月21日，一个退休的工程师在“世界末日”之前将她的钱给慈善机构几乎破产。随着“世界末日”的临近，这位姓姜的女士说她感到没有什么时间——所以她捐赠了2000000元（321000美元）给慈善事业。为了筹得的现金，她抵押了她的家在南京的公寓并撤回了所有的家庭储蓄和贷款。...
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Aaron Harris
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Nadine's living on $47,000 a year from her defined benefit pension plan, and withdraws $1,900 a year from her investments. She needs $6,000 a year more than her budget allows.
Nadine is a 57-year-old divorced woman who was let go from her longtime job as a customer service manager. After her severance ended, she worked part-time to supplement her pension income. She’s no longer employed but is actively applying for other positions.
In the meantime, she’s living on $47,000 a year from her defined benefit pension plan, and withdraws another $1,900 a year from her investments. But this plan is not a solid long-term solution. She needs $6,000 a year more than her budget allows. She could continue to take more money from her investments but with just $172,000 in her Registered Retirement Savings Plan, that income stream would run out sometime in her seventies. Her investments are made up of Guaranteed Investment Certificates.
Her biggest concern, however, is her home valued at $750,000. She still has a $340,000 mortgage after buying out her ex-husband’s share of the house. She’d like to remain in her home for another three years until her two kids finish university.
“My mortgage will come up in less than two years and I am worried that I will not be able to renegotiate it with my current income,” Nadine says.
The Star asked Robyn Thompson, president and financial planner of Castlemark Wealth Management in Toronto, to work with Nadine.
There’s no way around it: Nadine will be in a cash crunch for the next three years until she downsizes her home and qualifies for Canada Pension Plan at age 60, Thompson says. So part of the solution is to do what she is doing: dipping into her savings or applying for part-time work.
But she could also work on her investment strategy so her investments earn a higher return. Nadine is a conservative investor, which is why her investments are solely in GICs. Their rate of return hovers just over two-per cent.But after factoring in inflation and taxes, that rate of return could be reduced to nothing, Thompson says.
Thompson suggests Nadine consider investments that will produce returns that at least match the rate of inflation, and preferably a little more. To do this, Nadine should consider revising her risk-tolerance level, to help offset the damage that inflation can do.
Thompson also notes that Nadine’s defined benefit pension plan is not indexed to inflation. That means her income will remain consistent while her expenses continue to grow. “Then her purchasing power will shrink,” she says.
If Nadine was willing to revise her risk tolerance and reallocate a portion of her RRSP and LIRA investments into a one- to three-year bond ladder (that is, bonds with staggered maturity dates), investing only in AAA-rated bonds corporate and government bonds with the highest quality and lowest credit risk, she could lock in a coupon rate of up to five per cent. That’s double what her GICs are paying.
Bond prices do fall as interest rates rise, but the coupon rate will remain the same. Thompson notes that bonds also have a principal guarantee, and bondholders are paid first in the case of default.
Nadine’s mortgage is up for renewal in 2016, and if possible, she should aim to sell her home and discharge the mortgage before the new term to avoid penalties. If she wants to stay in her home longer, Nadine should make sure she is getting the best rate and ensure there are no surprises at renewal time. Thompson recommends speaking to her current lender now, and to a mortgage broker for comparison purposes.
Assuming Nadine gets market price for her home, she will be left with $375,000 after paying real estate fees, land transfer taxes and other moving costs.
With this money, she could purchase a smaller home or condo outright in Greater Toronto for $300,000, leaving her debt free. And here’s the treat: with no mortgage, her annual expenses will drop to $27,300. Since she receives $47,000 a year from her pension, she’ll have surplus of nearly $20,000. Thompson recommends she top up her Tax-Free Savings Account to start.
Nadine’s income will further increase when she receives CPP at age 60 and then Old Age Security at age 65. The amount of her government pension will depend on how much and for how long she has contributed to the CPP and her age when she starts her pension. Nadine can request a statement of contributions from the government that will provide an estimate of her entitled benefit, Thompson says.
Makeover facts
The client: Nadine, 57
The problem: She’s on a reduced income and withdrawing from investments to pay all her expenses. Can she afford to stay in her family home for a few more years?
The advice: Tweak portfolio to eliminate inflation risk. Downsize the family home as soon as possible and use any proceeds to add to investments.
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Back to Mobile请问she told reporters she might retired
reporters 后面为什么不能加TO_百度作业帮
请问she told reporters she might retired
reporters 后面为什么不能加TO
retired做动词讲时,可以做及物动词讲.所以可以不带TO
我一般都是靠直觉my grandmother said that she (live) in the country after she retired_百度作业帮
my grandmother said that she (live) in the country after she retired
my grandmother said that she (was living) in the country after she retired
我祖母说他退休后就住在乡下
我奶奶说她自从退休后就住在乡村。
我祖母说：她退休后就住在乡村。