HND 金融大综合1案例+机翻。

You work as a journalist on The Daily News. You are responsible for writing the financial advice column. Your newspaper encourages readers to write in with their in with their questions and you undertake some research before publishing an article based on the reader’s questions. As a thank you to the reader for allowing you to use their circumstances as the basis of your article, you also prepare a detailed report which is sent on to the reader to help them decide what course of action they might take.

你的工作作为每日新闻的记者。您是负责编写财务咨询列。你的报纸鼓励读者用他们与他们的问题写在你发布基于读者的问题的文章之前，进行一些研究。作为感谢你的阅读器允许你使用自己的情况为你的文章的基础上，还准备被发送到阅读器，以帮助他们决定什么样的行动，他们可能需要一个详细的报告。

You have received the following letter today —

今天，你收到了下面这封信—

My name is Duncan Kennedy, I am aged 64 and I am retired government official. I already receive my government pension of $18000 per year and next year I will also get my state pension which will give me an additional $5500 per year. My wife Elaine who currently earns $35000 will retire soon as part of redundancy exercise at her firm and will start to receive her employer’s pension of $19000 then, but as she is younger than me, it will be a few years before she receives her state pension.

我的名字是邓肯•肯尼迪，我64岁，我退休的政府官员。我已经收到我的政府养老金18000美元每一年，明年我还会让我的国家养老金，这将给我每年额外5500美元。我的妻子伊莱恩谁目前收入35000美元即将退休的冗余行使在她的公司的一部分，将开始接受19000美元她的雇主养老金的话，但她比我年轻，这将是几年，她接受她的国家养老金之前。

We are in the process of moving to a smaller property and have sold our house for $450000 and we are purchasing a smaller property for $ 200000. We paid off the mortgage on our property some time ago. We also have another property- a flat- that our grown up children used when they were students and we now let it out. We get $500 a month in rent from our current tenants will be moving out soon and we plan to sell this property as well and would expect to receive $150000 after all the costs of selling are paid.

我们在移动到一个较小的财产过程中有出售价值450000美元的房子，而我们是200000美元购买小产权。我们还清抵押贷款对我国房地产前一段时间。我们也有另一个属性-平-我们的孩子长大了当他们是学生，我们现在让它出来。我们得到每月500美元的租金，从我国目前的租户将很快与我们计划出售该物业并希望获得150000美元的所有成本后的销售收入。We want to continue our current lifestyle of travelling for a few years but do not want to use too much of the proceeds from the property sales. We only have modest savings at present, as follows:

我们要继续我们的旅行的电流了几年的生活方式，但并不想用太多来自物业销售的收益。我们只有微薄的储蓄目前，具体如下：

$1500 National Savings Certificates 5 year term issued 3 years ago

$2000 High Street Bank Current Account

$6000 Building Society Deposit Account

1500美元国家储蓄凭证5年发行3年前期限

2000美元高街银行活期账户

6000美元建筑协会存款账户

Elaine is concerned that these account balances would not cover our funeral costs and she wants us to sort out covering these costs now.

伊莱恩关注的是，这些账户余额将不包括我们的丧葬费，她要我们理清涵盖这些成本吧。The last few years have left me with a very jaded view of financial services providers –I am worried about how secure my savings are and also how little providers care about customer service these days. I also do not like giving the taxman a penny more than I should but I may have missed a few tricks there in recent years. To date, I have only looked at savings account, maybe I need to broaden my horizons a little more, though stocks and shares scare me as I cannot really risk losing a lot of money and I would not know what to pick and when to sell them anyway.

在过去的几年里已经给我留下的金融服务提供商非常疲惫看法- 我很担心我的积蓄如何安全的，也很少提供商如何关心客户服务，这些天。我也不喜欢给人收税员一分钱比我更应该，但我可能已经在最近几年错过了一些技巧那里。到今天为止，我只看着储蓄账户，也许我需要拓宽了我的视野多一点，虽然股票和股份吓唬我，我真的不能冒失去了很多钱，我就不知道该挑选什么时候卖他们无论如何。

I hope you can base an article on our circumstances and prepare one of your reports for Elaine and I.