版权说明:本文档由用户提供并上传,收益归属内容提供方,若内容存在侵权,请进行举报或认领
文档简介
Text3Duringthepastgeneration,theAmericanmiddle-classfamilythatoncecouldcountonhardworkandfairplaytokeepitselffinanciallysecurehasbeentransformedbyeconomicriskandnewrealities.Nowapinkslip,abaddiagnosis.oradisappearingspousecanreduceafamilyfromsolidlymiddleclasstonewlypoorinafewmonths.Injustonegeneration,millionsofmothershavegonetowork,transformingbasicfamilyeconomics.Scholars,policymakers,andcriticsofallstripeshavedebatedthesocialimplicationsofthesechanges,butfewhavelookedatthesideeffectfamilyriskhasrisenaswell.Today'sfamilieshavebudgetedtothelimitsoftheirnewtwo-paycheckstatus.Asaresulttheyhavelosttheparachutetheyoncehadintimesoffinancialsetback-aback-upearner(usuallyMom)whocouldgointotheworkforceiftheprimaryearnergotlaidofforfellsick.This“added-workereffect”couldsupportthesafetynetofferedbyunemploymentinsuranceordisabilityinsurancetohelpfamiliesweatherbadtimes.Buttoday,adisruptiontofamilyfortunescannotlongerbemadeupwithextraincomefromanotherwise-stay-at-homepartner.Duringthesameperiod,familieshavebeenaskedtoabsorbmuchmoreriskintheirretirementincome.Steelworkers,airlineemployees,andnowthoseintheautoindustryarejoiningmillionsoffamilieswhomustworryaboutinterestrates,stockmarketfluctuation,andtheharshrealitythattheymayoutlivetheirretirementmoney.Formuchofthepastyear.PresidentBushcampaignedtomoveSocialSecuritytoasavings-accountmodel,withretireestradingmuchoralloftheirguaranteedpaymentsforpaymentsdependingoninvestmentreturns.Foryoungerfamilies,thepictureisnotanybetter.Boththeabsolutecostofhealthcareandtheshareofitbornebyfamilieshaverisen-andnewlyfashionablehealth-savingsplansarespreadingfromlegislativehallstoWal-Martworkers,withmuchhigherdeductiblesandalargenewdoesofinvestmentriskforfamilies‘futurehealthcare.Evendemographicsareworkingagainstthemiddleclassfamily,astheoddsofhavingaweakelderlyparent-andalltheattendantneedforphysicalandfinancialassistancehavejumpedeightfoldinjustonegeneration.Fromthemiddle-classfamilyperspective,muchofthis,understandably,looksfarlesslikeanopportunitytoexercisemorefinancialresponsibility,andagooddealmorelikeafrighteningaccelerationofthewholesaleshiftoffinancialriskontotheiralreadyoverburdenedshoulders.Thefinancialfallouthasbegun,andthepoliticalfalloutmaynotbefarbehind.[421words]31.Today'sdouble-incomefamiliesareatgreaterfinancialriskinthat[A]thesafetynettheyusedtoenjoyhasdisappeared.[B]theirchancesofbeinglaidoffhavegreatlyincreased.[C]theyaremorevulnerabletochangesinfamilyeconomics.[D]theyaredeprivedofunemploymentordisabilityinsurance.32.AsaresultofPresidentBush'sreform,retiredpeoplemayhave[A]ahighersenseofsecurity.[B]lesssecuredpayments.[C]lesschancetoinvest.[D]aguaranteedfuture.33.Accordinggotheauthor,health-savingsplanswill[A]helpreducethecostofhealthcare.[B]popularizeamongthemiddleclass.[C]compensateforthereducedpensions.[D]increasethefamiliesinvestmentrisk.34.Itcanbeinferredfromthelastparagraphthat[A]financialriskstendtooutweighpoliticalrisks.[B]themiddleclassmayfacegreaterpoliticalchallenges.[C]financialproblemsmaybringaboutpoliticalproblems.[D]financialresponsibilityisanindicatorofpoliticalstatus.35.Whichofthefollowingisthebesttitleforthistext?[A]TheMiddleClassontheAlert[B]TheMiddleClassontheCliff[C]TheMiddleClassinConflict[D]TheMiddleClassinRuinsText4Itneverrainsbutitpours.Justasbossesandboardshavefinallysortedouttheirworstaccountingandcompliancetroubles,andimprovedtheirfeeblecorporationgovernance,anewproblemthreatenstoearnthem-especiallyinAmerica-thesortofnastyheadlinesthatinevitablyleadtoheadsrollingintheexecutivesuite:datainsecurity.Left,untilnow,toodd,low-levelITstafftoputright,andseenasaconcernonlyofdata-richindustriessuchasbanking,telecomsandairtravel,informationprotectionisnowhighontheboss'sagendainbusinessesofeveryvariety.Severalmassiveleakagesofcustomerandemployeedatathisyear-fromorganizationsasdiverseasTimeWarner,theAmericandefensecontractorScienceApplicationsInternationalCorpandeventheUniversityofCalifornia.Berkeley-haveleftmanagershurriedlypeeringintotheirintricate11systemsandbusinessprocessesinsearchofpotentialvulnerabilities.“Dataisbecominganassetwhichneedsnobeguardedasmuchasanyotherasset.”saysIamMendelsonofStanfordUniversity'sbusinessschool“Theabilityguardcustomerdataisthekeytomarketvalue,whichtheboardisresponsibleforonbehalfofshareholders”Indeed,justasthereistheconceptofGenerallyAcceptedAccountingPrinciples(GAAP).perhapsitistimeforGASP.GenerallyAcceptedSecurityPractices,suggestedEliNoamofNewYork'sColumbiaBusinessSchool.“Settingtheproperinvestmentlevelforsecurity,redundancy,andrecoveryisamanagementissue,notatechnicalone.”hesays.Themysteryisthatthisshouldcomeasasurprisetoanyboss.Surelyitshouldbeobvioustothedimmestexccutivethattrust,thatmostvaluableofeconomicassets,iseasilydestroyedandhugelyexpensivetorestore-andthatfewthingsaremorelikelytodestroytrustthanacompanylettingsensitivepersonaldatagetintothewronghands.Thecurrentstateofaffairsmayhavebeenencouraged-thoughnotjustified-bythelackoflegalpenalty(inAmerica,butnotEurope)fordataleakage.UntilCaliforniarecentlypassedalaw.Americanfirmsdidnothavetotellanyone,eventhevictim,whendatawentastray,Ihatmaychangefastlotsofproposeddata-securitylegislationnowdoingtheroundsinWashington.D.C.Meanwhile.thetheftofinformationaboutsome40millioncredit-cardaccountsinAmerica,disclosedonJune17th.overshadowedahugelyimportantdecisionadayearlierbyAmerica'sFederalTradeCommission(FTC)thatputscorporateAmericaonnoticethatregulatorswillactiffirmsfailtoprovideadequatedatasecurity.[416words]36.Thestatement:“Itneverrainsbutitpours”isusedtointroduce[A]thefiercebusinesscompetition.[B]thefeebleboss-boardrelations[C]thethreatfromnewsreports.[D]theseverityofdataleakage.37.AccordingtoParagraph2,someorganizationschecktheirsystemstofindout[A]whetherthereisanyweakpoint.[B]whatsortofdatahasbeenstolen.[C]whoisresponsiblefortheleakage.[D]howthepotentialspiescanbelocated.38.InbringinguptheconceptofGASPtheauthorismakingthepointthat[A]shareholdersinterestsshouldbeproperlyattendedto.[B]informationprotectionshouldbegivendueattention.[C]businessesshouldenhancetheirlevelofaccountingsecurity.[D]themarketvalueofcustomerdatashouldbeemphasized.39.AccordingtoParagraph4,whatpuzzlestheauthoristhatsomebossesfailto[A]seethelinkbetweentrustanddataprotection.[B]perceivethesensitivityofpersonaldata.[C]realizethehighcostofdatarestoration.[D]appreciatetheeconomicvalueoftrust.40.ItcanbeinferredfromParagraph5that[A]dataleakageismoresevereinEurope.[B]FTC'sdecisionisessentialtodatasecurity.[C]Californiatakestheleadinsecuritylegislation.[D]legalpenaltyisamajorSolomontodataleakage.PartBDirections:Youaregoingtoreadalistofheadingsandatextaboutwhatparentsaresupposedtodotoguidetheirchildrenintoadulthood.ChooseaheadingfromthelistA——Gthatbestfitsthemeaningofeachnumberedpartofthetext(41——45)。Thefirstandlastparagraphsofthetextarenotnumbered.Therearetwoextraheadingsthatyoudonotneedtouse.MarkyouranswersonANSWERSHEET1.(10points)A.SetaGoodExampleforYourKidsB.BuildYourKid'sWorkSkillsC.PlaceTimeLimitsonLeisureActivitiesD.TalkabouttheFutureonaRegularBasisE.HelpKidsDevelopCopingStrategiesF.HelpYourKidsFigureOutWhoTheyAreG.BuildYourKidsSenseofResponsibilityHowCanaParentHelp?Mothersandfatherscandoalottoensureasafelandinginearlyadulthoodfortheirkids.Evenifajob'sstartingsalaryseemstoosmalltosatisfyanemergingadult'sneedforrapidcontent,thetransitionfromschooltoworkcanbelessofasetbackifthestart-upadultisreadyforthemove.Hereareafewmeasures,drawnfrommybookReadyorNot,HereLifeComes,thatparentscantaketopreventwhatIcall“work-lifeunreadness”。41.Youcanstartthisprocesswhentheyare11or12.Periodicallyreviewtheiremergingstrengthsandweaknesseswiththemandworktogetheronanyshortcomings,likedifficultyincommunicatingwellorcollaborating.Also,identifythekindsofintereststheykeepcomingbackto,astheseoffercluestothecareersthatwillfitthembest.42.Kidsneedarangeofauthenticrolemodels-asopposedtomembersoftheirclique,popstarsandvauntedathletes.Haveregulardinner-tablediscussionsaboutpeoplethefamilyknowsandhowtheygotwheretheyare.Discussthejoys
温馨提示
- 1. 本站所有资源如无特殊说明,都需要本地电脑安装OFFICE2007和PDF阅读器。图纸软件为CAD,CAXA,PROE,UG,SolidWorks等.压缩文件请下载最新的WinRAR软件解压。
- 2. 本站的文档不包含任何第三方提供的附件图纸等,如果需要附件,请联系上传者。文件的所有权益归上传用户所有。
- 3. 本站RAR压缩包中若带图纸,网页内容里面会有图纸预览,若没有图纸预览就没有图纸。
- 4. 未经权益所有人同意不得将文件中的内容挪作商业或盈利用途。
- 5. 人人文库网仅提供信息存储空间,仅对用户上传内容的表现方式做保护处理,对用户上传分享的文档内容本身不做任何修改或编辑,并不能对任何下载内容负责。
- 6. 下载文件中如有侵权或不适当内容,请与我们联系,我们立即纠正。
- 7. 本站不保证下载资源的准确性、安全性和完整性, 同时也不承担用户因使用这些下载资源对自己和他人造成任何形式的伤害或损失。
最新文档
- 2026四川绵阳市绵苍高速运营人员招聘2人模拟试卷及参考答案详解【研优卷】
- 2026新疆克州高校毕业生“三支一扶”计划招募180人模拟试卷及完整答案详解(各地真题)
- 2026中国中煤能源集团有限公司华中分公司本部招聘18人考前冲刺试卷含完整答案详解(夺冠系列)
- 2026广西百色市县级政府统计机构招聘 统计协管员(协统员)34人考前冲刺密卷附答案详解AB卷
- 2026浙江衢州市龙游县龙北水利枢纽综合开发有限公司招聘合同制员工1人(二)考前冲刺试卷附完整答案详解【历年真题】
- 2026广东广州市黄埔区联和街道招聘政府聘员招聘1人备考题库(典型题)附答案详解
- 2026北京中医药大学第三附属医院招聘精诚博士后兼职合作导师笔试题库【含答案详解】
- 2026山东济南南美水务有限公司招聘2人笔试题库及完整答案详解(夺冠系列)
- 2026四川绵阳燃气集团有限公司招聘集团及下属子公司招聘6人笔试题库附完整答案详解(各地真题)
- 2026广西河池市大化瑶族自治县供销合作社联合社招聘公益性岗位人员1人笔试题库附完整答案详解(夺冠)
- 2025-2030美国社区银行倒闭潮成因分析与区域性金融风险预警报告
- 2026年甘肃庆阳宁县直事业单位选聘24人笔试模拟试题及答案详解
- 2026年压力容器考试题库及答案
- 2026年山西省运城市重点学校初一入学数学分班考试试题及答案
- IT部门年终总结
- 2017年中小学德育工作指南
- 甄嬛传电子版剧本第01-10集
- 韩玉军-国际商务-课件
- 有机电子学课件
- 新概念二-第29课课件
- 病机十九条新解
评论
0/150
提交评论