Contoh Soal SNBT 2023, Materi Literasi Bahasa Inggris Lengkap Kunci Jawaban, Berikut Pembahasannya

The psychological reluctance to tap one’s savings is a factor for most people regardless of their financial condition. It may become more acute for soon-to-be retirees as they face inflation, unstable markets and a lack of pensions, John said. They’re trying to figure out who they are now that their primary career is over and figuring out what they can and can’t do financially

TEXT 2

It’s hard to manage your money well in retirement unless you’re realistic about what you have. The first thing to do is to make a budget and sketch out a plan to cover your expenses.

Before retiring, keep track of your spending and regular expenses, like housing, food, health care, etc. Then assess how those expenses might change in retirement (e.g., if you plan to move to a less expensive home or area; and if your insurance costs will be subsidized by your old employer).

You should also consider paying for a child’s wedding, buying a car, or taking a major vacation. Then assess what fixed income you will have come in (e.g., Social Security or pension payments). The difference between your expected spending and your fixed income is the amount you will need to draw from your savings.

It would also help to consult with a professional. A financial advisor can help you strategize how to manage and use your money in the years ahead. The one common feeling is that people say they are overwhelmed with all the choices they need to make to live off their savings in retirement. With the different types of accounts many have, the potential for penalties and higher taxes if withdrawals are taken incorrectly and sorting out how their investments may need to shift for retirement income, it can be a lot for a new retiree to get their head around.

4. What is the main idea of Text 1?

A. Life uncertainty is happening among newly retired people in America

B. There are some reasons why retirees use their savings

C. The retirees’ financial condition affects how much they are willing to spend their   savings

D. Most retirees in America do not use their savings a lot in retirement

E. How the newly retired people spend their savings is quite similar

Jawaban: D. Most retirees in America do not use their savings a lot in retirement

Pembahasan: A is wrong because this is only specific information

B is wrong because there is no information about this in the text

C is wrong because the information is contrary to the statement in the text

D is correct because this is what the author wants to say to the readers

E is wrong because there is no information about this in the text

5. Which of the following best restates the second sentence in Paragraph 1 in Text 2?

A. Covering all costs is the first thing to plan in relation to budget expenses

B. Preparing a budget and drafting a plan of your costs is the first thing you should carry out

C. Planning and calculating the budget expenses is the first thing to be carried out

D. Drafting your plan that includes your costs should be done first to prepare a good budget

E. Budgeting and planning should be prepared first to be able to pay your costs

Jawaban: B. Preparing a budget and drafting a plan of your costs is the first thing you should carry out

Pembahasan: A, C, D and E have a different meaning from the sentence in the text.

(cr31/tribun-medan.com)