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资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.

Some scary facts about retirement:

More than 50% of persons do not have enough finances for retirement.

25% do not participate in their company's retirement plan.

The average person spends 20 years in retirement.

Here are some tips to help you plan correctly:

1. Talk to a financial professional. Every few years, it's a good idea to schedule a meeting with a financial planner to get a “check-up”. It's just like a doctor's visit, and you should really talk about your present situation and future goals.

2. Save, save, and keep on saving. Make it a habit to save as much as you can.

3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner, or find an online retirement calculator.

4. Take part in your employer's retirement plans. If your company offers one, it is usually the best tool you can use. Talk to a financial professional for all your options.

5. Learn about pension plans. If you have an employer or government pension plan, learn all the details.

6. Keep your retirement savings off-limits. Don't make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals.

7. Get your employer to start one, and it can help you tremendously.

8. Learn about your government's retirement plans. Every country has different plans, some with special tax incentives, so learn what your country offers and plan accordingly.

9. Do your own research. Use the Internet, read the newspapers and magazines, talk to your friends, to find out as much as you can about retirement.

According to the passage, retirement plans may be offered by ___.

A.the government
B.both the employer and the government
C.the employer
D.the employer, the government and the media

正确答案及解析

正确答案

解析

本题考查的是细节理解。

【关键词】retirement plans; be offered

【主题句】1.Get your employer to start one, and it can help you tremendously.让你的老板开始计划，这将对你有很大的帮助。2.Learn about your government’s retirement plans. Every country has different plans, some with special tax incentives, so learn what your country offers and plan accordingly.了解政府退休计划。每个国家都有不同的计划，有些国家有特别的税收优惠，所以要了解你的国家所提供的和相应的计划。

【解析】题干意为“根据这篇文章，退休计划应该由谁提出？”选项A意为“政府”；选项B意为“雇主和政府”；选项C意为“雇主”；选项D意为“雇主、国家和媒体”。根据主题句，结合题意故选B。