考研英语应用文写作备忘录模板

考研英语应用文写作备忘录模板

2006-6-6 16:27

一、概述

备忘录是一种录以备忘的公文。在公文函件中，它的等级是比较低的，主要用来提醒、督促对方，或就某个问题提出自己的意见或看法。在业务上，它一般用来补充正式文件的不足。它的内容可以分为以下几项：

书端（Heading）

收文人的姓名、头衔、地址（Addressee‘s Name， Title， Address）

称呼（Salutation）

事因（Subject）

正文（Body）

结束语（Complimentary Close）

署名（Signature）

二、备忘录写作注意事项

1、书端部分包括发文机关的名称、地址、发文日期，有的还包括电报挂号、电传号、电话号码等。许多机关有自己特制的信笺，在写书端时，其格式和标点符号的使用与一般信件的相同。

2、称呼从左边顶格写起，对一般机关、团体的负责人一般用 Dear Sir， 对政府官员可用Sir.

3、正文、结束语和署名等项与一般信件的格式相同。“事因”一项目前采用得较少。

三、经典范文（共有5篇范文）

例1 Directions： Write a memorandum of about 100 words to the student service department and ask them to fix a telephone for each dormitory.

MEMO

August 16， 2005

To： The leader of student service department

From： Li Ming

Subject： Telephone

Dear Sir，

I would like to remind you that we are in want of a telephone for each dormitory. As a university student，we need to cope with the daily increasing communications with teachers，friends and people outside the campus.

We need a telephone to get and send message，which is important for us. Though most of us have mobile phones and e-mail address，a telephone in the dormitory is after all the most convenient and cheapest tool of communication. I hope that you will pay attention to this problem and solve it as soon as possible.

Regards.

Yours，

Li Ming

注：“remind”一词用法比较多，可以在后面直接接人或宾格，如“提醒我”译为“please remind me”。如果提醒某人某事则用“remind somebody of something”，也可以在后面加从句，即“remind sb that”，“remind”还有一个意思为“使想起”同样用“remind?of?”的结构，应注意与提醒某事区分。

例2 Directions：You are supposed to write a Memorandom of about 100 words to the leader of the supply section to borrow one more microscope for your biological experiment. It should include：

1） Why you need the microscope.

2） When you need it.

1

考研英语应用文写作备忘录模板

MEMO

August 12，2005

To： Mr. Gates，leader of the supply section

From：Li Ming of the biological laboratory

Subject：Microscope

Dear Sir，

I'm a student of biology department and we are badly in need of an extra microscope in order to improve our experimental work.

Our experiment will start on Friday，so please issue a microscope to us as soon as possible so that we can prepare better for the experiment.

With kind regards.

Yours sincerely，

Li Ming

注：在写备忘录的时侯，一定要注意它的格式，尤其要在开头写清楚是谁写给谁来备忘的，用“From： ／To：”两个单词即可。文中的“badly”是“非常的，迫切的”意思。短语“in order to”同下句的“so that”意思是一样的即：为了，目的是。不同的是前者后接动词原型而后者常跟目的状语从句 ，类似的短语还有“in order that”，用法与“so that”相同。

例3 Directions：If you are the teacher of the students'Counseloris office：P. steelpes，and you have received a letter for requesting for paid education leave from a student. Write him a memo to reply him including details：

1） The result of his requirement.

2） The reason for rejecting.

3）some suggestions

You should write about 100 words.

To： Records Section

From：P. steelpes，Career Planning

Subject：Request for Paid Education Leave

Date：May 22，2005

In response to your request for one year of paid education leave to take a degree in English literature， I have to inform you that we cannot authorize this leave.

While we appreciate your desire to improve your knowledge，we feel that English literature is not directly related to your present position and to the goals of this organization.

I am aware of your great interest in literature，and I would like to point out that you could gain advantage to apply for leave without pay.

If you need another information on the above，do not hesitate to keep touch with me at any time. P. steelpes

注：首先要注意本篇备忘录的格式很标准。然后注意这个备忘录的个别词的用法，譬如：be aware of 注意到、当心的意思，point out 指出，request for 要求，in response to 反馈。

例4 Directions：You are a supervisor of a big company. The chief of operations wants to adopt the"punch-in"system to increase productivity. Write a memo to talk about this：

1） Does the 'punch-in"system benefit the company？

2

考研英语应用文写作备忘录模板

2） If the company doesn't adopt it， what else can we do to increase productivity.

You should write about 100 words.

To：David Green，Chief of Operations

From：Tony Party ，Supervisor

Subject：Comments on the "Punch-in" System

Date：March. 22，2005

This is further to your memo dated March. 20，2004，in which you proposed that employees adopt the "punch-in" system.

I fully agree with you that we must increase productivity. As far as your proposal that if the "punch-in" system is adopted，we would have a tighter control over the employees is concerned. However，I don't think so. I personally think that，to accomplish this，we should give the employees more incentives to work faster. I feel that if we （the supervisors）could meet with you，we could discuss different possiblilities to create such incentiveness.

Your consideration of this suggestion would be appreciated.

Tony Party

注：此篇是对一篇备忘录的回复。生产主管认为实行打孔考勤制度（“punch-in”system），有利于增加生产效率。但督察却不这样认为。他认为“should give the employees more incentives to work faster”。 例5 Directions：You are a manager of administration office naming Vera. M. Bradford. The board of directors have decided to anew the Fitness Center. Write a memo to tell all the employees that：

1） How long will this project be last for？

2） Welcome the employees to provide suggestions.

You should write about 100 words.

To：Every Employees

From：Brian Aponte

Date：November 18， 2005

Subject：Fitness Center

The board of directors approved the idea for anew Fitness Center at its meeting yesterday.

Work on the Fitness Center will begin right now and should be completed within 90 days. An employee representative from each division will be appointed to determine the type of equipment and programs that will be made available.

We are happy to be able to provide a facility that will contribute to the physical fitness of all our employees. Your representative on the task force will contact you soon for your suggestions about activities and equipment.

Brian Aponte

Administration Office， Manager

注：这是一篇关于公司修建健身中心的备忘录。备忘录中说健身中心工作马上开始而且“completed within 90 days”。而且希望各部门代表与主办部门联系，征求关于活动和设备的意见

3

 

第二篇：新东方考研英语应用文写作·

＊ Have a try

Directions: Study the following graphs carefully and write an essay of about 200 words within 40 minutes. Your essay must meet the requirements below.

1. Write out the message conveyed by the graph.

2. Make an analysis of the strange phenomenon

3.

Give your comments

1, 第一句：描述图表，指明变化或不同

①审题：分析深层含义（要求：）；尤其仔细分析说明性文字

（同学们，我们来观察下这个图表。正如上面两张曲线图所示，从19xx年到19xx年蛋类的平均价格不断上升，并且其需求量也相应增加。曲线图还表明，从19xx年到20xx年期间蛋类价格下降，而且需量也下降。这种现象是很奇怪的并值得研究。根据市场经济法则，需求量增加会引起价格上涨。也就是说，当价格上升时，需求就下降，而当价格回落时，需求就增加。但是现在的现实恰好相反。 产生这种奇怪的现象的原意是很明显的。从19xx年到19xx年期间随着我国社会主义市场经济的发展，人民的收入，其中包括工资、奖金和各种补贴迅速增加。虽然蛋类价格的需求量也急趋增加。另一方面，当蛋类的需求达到某一点时，需求量就停止上升，因为人们开始把越来越多的钱花在衣着、娱乐和国内外的旅游上。普遍认为，从19xx年到20xx年旅游开支占我国人民总消费量的很大一部分。因此，同期蛋类需求量的下降也似乎是合理的。

我的看法是， 由于家禽养殖业的不断发展，蛋类价格很可能下降，因为对蛋类的需求有限，消费量的下降也是必然的。）

②描述数据，要抓重点。

③要考察有几个变量。2个变量：蛋类价格和需求量

④套用模板，组成第一句

As is shown by the two graphs above, the average price of eggs was on the rise from 1990 to 1995 and the demand for them increased correspondingly. The graphs also indicate that during the period from 1995 to 2000 the price eggs declined, and so did the demand.

2，第二句：进一步描述主题（视情况而定）

The phenomenon is quite strange and worth studying. According to the law of market economy, the increase in demand results in higher prices. That is to say, when prices climb, the demand decreases, and when prices fall, the demand grows. Now the reality was just the other way round.

二，第二段：分析原因（4-6句）

1，第一句：过渡句。

The reasons for this strange phenomenon are obvious.

第二句：谈第一个原因

On the one hand, during the period from 1990 to 1995 with the development of our socialist market economy people’s income, bonus and different kinds of benefits, increased rapidly. Though the price of eggs rose gradually, the demand for them grew sharply, too.

第三句：谈第二个原因

On the other hand, when the demand for eggs reached a certain point, it stopped rising because people began to spend more and more money on clothing, recreations and tours round the country and even round the world.

第四句：进一步强调原因或其危害

As a result, it seemed reasonable that the demand for eggs declined during the same period of time.

三，第三段：发展趋势

As far as I’m concerned, with the domestic poultry farming continuing to develop, the price of eggs is likely to decline because the demand for them is limited and the fall in consumption of them is also inevitable.

附：数据的表达方法

增加：increase/ raise/ rise/ go up

减少: decrease/ grow down/ drop/ fall

波动：fluctuate/ rebound/ undulate/ wave

稳定：remain stable/ stabilize/ level off

数据变化的修饰词

Rapid/ rapidly; dramatic/dramatically; significant; sharp/ obvious; steep(急剧升降的)； steady; stable; slight; gradual;

Part ⅳ 应用文

一，文体

信函、备忘录、告示&通知、便条

二，信函写作

信函写作格式

一，称呼

1， 写给组织： Dear Sir or Madam,

2， 写给个人： Dear +人名

二，正文

3段，7句，100-120单词，3-5关联词，3-5从句

1，第一段：1-2句（视句子长短而定）

第一句：自我介绍

（1）若是学生：I am a freshman/ sophomore/ junior/ senior / undergraduate/ graduate from the department of English of Sichuan Normal University.

（2）若是工作人员：I am a staff member from…..corporation.

第二句：写作目的

如：I am writing the letter in purpose of (in the hope of) ordering some books. I am writing to inform you that I wish to …

2, 第二段：3-6句

第一句：写提纲要点一

第二句：写提纲要点二

第三句：写提纲要点三

3， 第三段：1-2句

第一句：表感谢

如：My appreciation to you for your generous help is beyond words.

Words fail me when I wish to express my sincere gratitude to you.

I take this opportunity to show my heartfelt appreciation for the kind assistance you render me.

第二句：期待回信

如：I am looking forward to hearing from you soon.

I look forward to a favorable reply at your earliest convenience.

Your prompt attention to my inquiry would be highly appreciated.

三，落款

1，结尾客套：Yours sincerely/ friendly,

2，签名：…

20xx年考研英语作文真题及范文

Part A

51. Directions:

You have just come back from Canada and found a music CD in your luggage that you forgot to return to Bob, your landlord there. Write him a letter to

1) make an apology, and

2) suggest a solution.

You should write about 100 words on ANSWER SHEET 2.

Do not sign your own name at the end of the letter. Use ―Li Ming‖ instead.

Do not write the address. (10 points)

如，感谢信

开头：要明确的对对方提供的帮助或赠送的礼品表示谢意。

主体：列举对方提供的帮助，说明该帮助所起的作用，或表达对所受礼品的喜爱以及以后如何使用及收藏等。

结尾：再次表达诚挚的谢意并问候对方。

Dear Bob,

I have arrived in Shanghai yesterday and I want to show my gratitude to you for your hospitality.

I am so sorry that I have forgotten to return the music CD that you lent me last month and I decide to send it back as soon as possible. Together with it is another CD of traditional Chinese music as a gift for you, which I hope that you will enjoy it very much.

I wish I had not caused too much trouble for you. Thank you again for the help you gave me during my stay in Canada. Please tell me if you visit China some day and I can be your tour guide.

Best regards.

Sincerely yours,

Li Ming

再如，2007

一、Part A：

Directions:

Write a letter to your university library, making suggestions for improving its service.

You should write about 100 words on ANSWER SHEET 2.

Do not sign your name at the end of the letter. Use“Li Ming”instead.

Do not write the address. (10 points)

分析：建议信

第一段：自我介绍：大学生；说明写作目的：建议改进服务。 年公文信函之建议信

第二段：针对图书馆的服务问题提出二至三点具体建议（先肯定优点，再写改进内容）

第三段：可以表示感谢、期待回信。

高分作文

Dear Sir/Madam,

I am a student in this university who regularly come to the library to spend my spare time. Generally speaking, the services you offer here is quite good; however, I have some suggestions for you to adopt. And I would like to extend my greatest appreciation if you are so kind as to take my suggestions into consideration. To begin with, will you please prolong the time for reading? In the daytime, most of the students are having class, so they can’t come to the library. Moreover, some of the books on shelves are out of date. If you are so kind as to provide us some books such as the latest magazines, we will be greatly honored.

I really wish to have a more comfortable library. Thank you for your time and consideration.

Sincerely yours,

Li Ming

如：道歉信

首段：表明写信意图，对某事表示歉意。

主体段落：说明道歉的具体原因，应展开。在主体段落中，写信人应当在申述理由时照顾读信人的感受，切忌强词夺理。

结尾段：再次表明兼意，请求收信人的谅解。在结尾段还可以建议对自己的过失采取何种补救措施。

道歉信中开头段常用句式和套话

I am writing this letter to express my regret…

I am writing to apologize for…

I would like to give you my apology for…

I am very sorry to say that…

I must apologize about (not) doing sth…

Please accept my sincere apology for…

I am writing to say sorry for…

I am terribly sorry, but…

道歉信中结尾段常用句式和套话

Once again, I am sorry for any inconvenience caused.

Please allow me to say sorry again.

Hope you can accept my apologies and understand my situation.

I want to let you know how regretful I am feeling now.

I am sorry that I can’t… and trust that you will be able to understand.

如：20xx年

Directions:

You have just come back from Canada and found a music CD in your luggage that you forgot to return to Bob, your landlord there. Write him a letter to

1) make an apology, and

2) suggest a solution

You should write about 100words on ANSWER SHEET 2.

Do not sign your own name at the end of the letter. Use “Li Ming” instead.

Do not write the address.

高分作文

Dear Bob,

I am writing to make an apology to you for I forgot to return a music CD which I borrowed from you last week. Yesterday I have come back from Canada and I found it in my luggage. I am so sorry that you cannot listen to it at present.

The CD which I borrowed from you is made in Canada, so I believe you can find another one in your local store. How about your buying another CD by yourself and I will pay for it? If you cannot find the similar one, I would send it back to you by post. And if there are any other solutions you like, please let me know.

I am sorry again for my carelessness. Looking forward to your reply.

Yours sincerely,

Li Ming

邀请信（正式：请柬

非正式：a邀请信或邀请便条）

内容：1，称呼（写信时间放在右上角）

2，正文

3，结束语

正文：1，邀请目的

2，活动安排（时间、地点、场合）

3，期待尽早回复

具体写作方法

1，邀请目的

第一句：委婉礼貌地希望对方能参加（多用套话）如：

I wonder if there is any chance for you to come to …

It would be pleasure to invite you to ….

It would be my pleasure to share this important moment with you.

I am glad to tell you that…

Here is a piece of good news for you.

I would love for you to attend, so please let/ allow me to tell you that…

第二句：可以进一步说明活动的信息以吸引对方参加。

2，活动安排（时间、地点、场合）

时间：年、月、日、几点

3，表达诚意

如：I sincerely hope you can attend and we will have a very happy time together. There you can enjoy yourselves with dance, music and various games. 4，期待尽早回复

如：Please let me know whether you can make it.

Please let me know whether you can make it at your earliest convenience.

Come and enjoy ourselves together.

We should be very pleased if you could honor us with your presence.

连成完整的邀请函（排列组合）

Dear ∥,

It would be my pleasure to share this important moment with you. I am going to hold a dinner party with several other friends of ours. The party will be held in Room 6 of Lijing Hotel at 5:00 p.m. tomorrow. I sincerely hope you can attend and we will have a very happy time together.

Please let me know whether you can make it.

Yours, ……..

求职信

内容：1，称呼（写信时间放在右上角）

2，正文

3，结束语

正文：1，正式用语，且言简意赅

2，求职目的

3，自我展示

4，希望得到面试机会

具体写作方法

第一句：获知招聘信息的来源，及所求职位。

如：I am writing to apply for the position of … you advised in yesterday’s China Daily.

第二句：简述个人信息（毕业院校、专业、与所求职位相关的能力） 如：To briefly introduce myself, ….

第三句：强调自己的能力、表达抱负

如：Not only have I excellent academic performance in all courses, I also posses the rich experience of …

第四句：希望得到面试机会

如：I would be grateful if you could arrange an interview at your earliest convenience. 最后，记得告诉对方你的联系方式哦

如：For further information, please refer to my attached resume.

Dear ∥,

My name is ...and I will graduate from Xi’an FanYi University in the year 2003， My major is secretary in English department.

It’s my great pleasure to have this opportunity to improve our mutual understanding. During the three –year college study， I tried my best to learn all kinds of knowledge， and weigh the hard work of my teachers and myself; I have mastered English listening， speaking， writing and reading skills.

Moreover, I have a good command of Business English and the basic theory， public relationship of secretary. Meanwhile， in order to enlarge my knowledge， I always read some newspapers and magazines about business and trade， and I used to do some representative of business in my spare time. At the same time， I learnt computer skills during my summer vacation， and now I’m familiar with Office 2000. It is my three –year college life that makes me form my life attitude. Also my three-year college life that makes me rich in knowledge， and it’s also my three-year college life that makes me form my life attitude. Honesty， Trust， Diligence is principle of how to be a man.

As a college graduate， I believe ―where there is a will， there is a way‖， and I will try my best to do a good job in my business. So I sincerely hope that I can make a position in your company so that I can serve for the company in the future.

20xx年真题

Part A

51. Directions:

Two months ago you got a job as an editor for the magazine Designs & Fashions. But now you find that the work is not what you expected. You decide to quit. Write a letter to your boss, Mr. Wang, telling him your decision, stating your reason(s), and making an apology.

Write your letter with no less than 100 words. Write it neatly on ANWER SHEET 2. Do not sign your own name at the end of the letter; use "Li Ming" instead. You do not need to write the address. (10 points)

可以把辞职信当作求职信的反面。内容应包括：：第一，开门见山，说明写信的目的：告诉你他的决定。第二，说明你的理由。第三，表示你的道歉。 Dear Mr. Wang,

I am grateful to be employed by you two months ago as an editor for your magazine Designs& Fashions. I appreciate the opportunity of having worked here with you and other colleagues. The experiences will be unforgettable throughout my life.

However, as a young man whose primary interest is in computer science rather than fashion designing, I find my present job doesn't fall in with my previous training and strength. I therefore decide to quit this job something else that may conform to my former preparation.

Please accept my sincere apologies for any inconveniences my leaving may occur.

Yours truly,

Li Ming

三，告示类

基本结构：

Directions：

SUBJECT：正文

TO：

FROM：

DATE：（month day，year）

签名

如20xx年

Directions:

You are supposed to write for the Postgraduates' Association a notice to recruit volunteers for an international conference on globalization. The notice should include the basic qualifications for applicants and other information which you think is relevant.

You should write about 100 words on ANSWER SHEET 2.

Do not sign your own name at the end of the notice. Use “Postgraduates' Association”instead. 范文：

Notice

We are currently recruiting volunteers for an international conference concerning globalization, which is to take place on March 12, 2010. The volunteers to be recruited will take the responsibility of international coordinators to facilitate the communication between the foreign experts and local representatives. Application is welcome from those who are not older than 30 and proficient in spoken English regardless of the major and sex. Those who have previously participated in the organization of international conferences will be preferred. Please send your applications to the postgraduate association office no later than January 12. We will contact the qualified applicants for an interview by telephone before the end of January.

Postgraduate Association January 8

模拟题及范文：

Directions：

You are an active member of the student newspaper. The newspaper is currently looking for journalists for the summer semester. Write a memo that will appear in the newspaper next week describing the position available.

Date： August 10，2005

To： All students

From： Li Ming

四，摘要

主要由三部分组成，即：研究的问题、过程和方法、结果。 英文摘要以被动语态居多。 尽量用短句子并避免句形单调； 用过去时态叙述作者工作, 用现在时态叙述作者结论；

如：20xx年作文新大纲：对我国英语教育低龄化现象的思考

随着中国国际化脚步的加快，英语作为一种重要的交流工具，其地位日渐凸显出来。英语教育的低龄化成为我国英语教育活动的一种趋势，不仅从小学就开始开设英语课，连学前儿童也接触并学习英语。

(一)英语学习低龄化现象

中国社会调查通过对北京、上海、武汉、西安、济南、哈尔滨、广州和萧山等八个城市的1500个样本调查发现，九成以上的被访者认为学习英语对孩子未来的发展很重要，98%的

家长有计划让孩子接受兴趣英语的培训。中国接受英语培训的群体正在偏向低龄化。

(二)导致英语学习低龄化趋势的原因

近年来，国内掀起了全民学英语的高潮，学英语已成了流行的趋势。就全世界范围来说，英语的地位的确是十分重要的。英语的地位取决于几种力量：第一，经济力量。现在是世界经济一体化时期，而全世界重要的发达国家都是英语国家，如美、英、澳大利亚、加拿大等。这就使得大家为了经济上的沟通来往加劲地学习英语;第二，政治力量。现在全世界头号强国美国说英语，是英语地位重要的原因;第三，文化的力量。我们现在看电影都会关注好莱坞大片，外语书籍也纷至沓来。这几股力量都为推动英语的全球化起到了重要作用。很多家长正是看到了这种全国性英语热潮，害怕孩子一开始就输在起跑点上，因此在幼儿时期就拼命强调英语的重要。

(三)英语学习低龄化现象带来的后果

1、有利方面。

科学研究表明，幼儿早期有能力学习并接受第二语言，幼儿英语教育是可行的。心理学研究表明，0～6岁是语言发展的最佳时期，处于这一时期的幼儿有形成两个以上言语中枢的可能性。若在最佳时期只接受母语的刺激，那么，母语中枢以外的言语中枢就逐渐退化。儿童进入学龄后，母语中枢已形成一整套固定的控制模式，这时再学习第二种语言，母语中枢就很难接受。因此，抓住幼儿期对幼儿进行第二语言的教育，其潜力和发展是无限的。同时，幼儿英语学习是一种积极的智力活动，对幼儿的语言、认知发展，无疑起到促进作用，另外，幼儿英语的学习作为启蒙教育，它还有利于幼儿各种基本能力和良好个性、习惯的培养。

2、有害方面。

有学者认为，低龄英语教育虽然能达到一定效果，但是这必须以学好母语文化为前提，因为连母语文化都掌握不好，也就不可能学好任何一门外语。虽然多数专家认为幼儿的英语学习是可行的，但是不少家长本末倒置，怀着―英文第一，中文第二‖的心态教育孩子，结果完全打乱了孩子的语言启蒙阶段。这对儿童学习心理造成不容忽视的负面影响。幼儿英语也从开始的启蒙教育变成了强制性教育，孩子们因背负着巨大的压力而从喜欢英语变成对其毫无兴趣，甚至开始厌恶。

(四)该如何引导这种现象的发展

既然儿童早早开始学习英语有利有弊，我们就要因势利导，发扬其长处，避免其弊端。

1、注重幼儿英语教育兴趣的培养。要让兴趣成为开启幼儿英语教育的大门，让兴趣作为幼儿学习的良师益友。在教育目标的制订上，应立足幼儿的特点，将目标订得浅显易接受。在教育内容的选择上，要力求符合幼儿的身心特点，注重选择幼儿亲身经历和日常生活中感兴趣、能理解、易吸收的内容。在教学方法上，要以游戏教学、音乐教学和活动教学为主，注重教学的娱乐性、趣味性和互动性。

2、让环境成为提供幼儿英语教育的空间。要让幼儿置身于英语环境中，给幼儿创设耳濡目染的认知环境。在活动中注意让每个幼儿都有参与活动和表现能力的机会，使幼儿处在一种极佳的情绪状态，在不知不觉中愉快地接受英语。

3、教师是英语教育成功的关键。在教学中，教师对幼儿的英语接受能力要给以科学的估量。既不要低估孩子的学习能力，又不能过高看待其接受能力。要注意因材施教，不要急于求成，拔茁助长，对不同年龄段的幼儿应给予不同的要求。

毫无疑问，随着社会的进一步发展，英语已经与我们的生活越来越紧密，所以学好英语是非常必要的，幼儿英语教育也是可行的。但是在这中间，我们要把握教育重点核心押题，科学实行幼儿教育。这更加需要社会、学校和家庭为幼儿教育创造一个良好的环境。 参考范文：

With the glowing importance of English as a means of global communication, learning

English is becoming more and more popular in China. Many primary schools have English classes and children begin English learning at a smaller and smaller age. This paper explores the causes of the trend of starting learning English at a younger age and analyses its advantages and disadvantages. Based on the research, the author offers suggestions about how to correctly guide this trend and create a sound environment for the overall development of the children.

英国人应对经济衰退的主要方法

买份收入保险 你可以买一份与你每月的收入有联系的保险，这样你就每个月都有钱来偿还债务。举个例子来说，每月支付35英镑的保费购买一份―收入保护险‖，受保人就为自己的税前收入的60%保了险，付足一年保金后，每月最高可以得到l000英镑的赔付。

挑选一张王牌信用卡 及时清偿信用卡和其他消费者应付账款至关重要，但信用卡发卡银行如今正在抬高价格，缩短―免息‖期。虽然依惯例消费者使用信用卡有56天的免息期，但是不少发卡商把这个期限缩短成了50天。同时，信用卡余额代偿业务的利息也在提高。 如果你想换一张利息便宜点的卡，乐购卡和巴克莱银行OnePulse卡都可以接受从其他卡转移来的余额。据比价服务网站moneysupermarket. com提供的资料，这两种卡在接受换卡之后的前14个月以内都对卡内余额给与免息，且免息期依然是56天。每笔换卡业务都收取转账金额2.9%的过户费，满14个月之后，巴克莱银行卡的利息上升至14.9%，乐购卡的利息上升至15.9%。但在14个月的免息期内不要使用信用卡消费。

尽量多还些抵押贷款 如果你平时能多付一些房屋按揭贷款，那么手头紧的时候就可以不还贷款。但除此以外，还可以大大缩短还贷期限。在能多付的时候多付一点，25年累积下来一定省下不少钱。

如果一位房主在First Direct银行办理了终身可变利率抵押贷款，(去年)10月每月需偿还约l000英镑，而现在每月偿还的最低限额降到了690英镑。如果利率持续处在历史最低水平，而房主依然每月偿付1000英镑，那么他就可望在贷款期间节省1.6万英镑，提前9年还清贷款。 把钱存在便于使用的账户里 高于6%的奇高储蓄利率已经下降，但有的利息仍然高达大约4%，预期到明年新年还会降息，你或许得赶快行动了。

管好退休金 如果你的退休金也像如今大多数私营企业的退休金计划那样直接和股市联系在一起，你可能已经为最近股价的跌宕起伏而揪心不已了。

如果你年龄未到50岁，在你退休之前市场也许早已回暖了;但如果你的年龄大于50岁，大多数管理完善的与投资相关的退休金计划都属于所谓的―生活方式退休金‖——在你越来越接近退休年龄的时候，帮你逐渐从投资股票转为投资债券。

不过，如果你就要迎来50岁生日，那现在就该找你的退休金经理商量一下了。你可能想和你的顾问们研究一下，暂且将―生活方式养老金‖捂着，等到市场稳定下来再进行投资是否更加明智。

所有50多岁的人也都可以这么安排，如果持有大批股票，最好考虑暂时观望一阵再抛出。 安排好退休金 如果你的养老储备金比较富余，赶快买一份年金可能是明智之举，这可以保证你退休期间有一份固定的养老金。在过去的一年里年金利率稍微有所上涨，但随着利率的下降，预计年金利率会再次下降——这就意味着从同样额度的养老金中能获得的收入少了。

重新搭配投资组合 由于利率逐渐走低，你可以重组自己的投资组合，购买一些预期红利持续可观的公司股票，如公共事业公司、超市、马莎百货公司、制药公司和烟草公司等等。 贝尔?劳利股票经纪公司经理布莱思?约翰斯顿建议立刻制定一个按月存款的计划。他说：―眼下市场完全偏离实际，不一定什么时候就会发生大反弹。‖然而，这项策略只适合那些心理承受能力强的人。

削减基本保险的成本 不要不假思索地接受汽车或者房屋保险的重新报价。告诉保险公

司你并不愿意修改保险计划，弗且打算货比三家，这样，他们通常就会降低价格。不管怎么说，货比三家都是值得的，因为你可能会得到比这还低的报价。

增加你的收入 做一份兼职工作，或者打一则出租房间的广告吧。出租一个房间的好处在于免税，政府的―出租一个房间计划‖就是这么规定的，只要出租房间得到的年收入未达到4250英镑，这部分收入就可以免税。但是做兼职工作和出租房间有所不同，根据税收和―国民保险制度‖的规定，兼职所得收入将会计入你的主要职业的收入当中一并纳税。 参考范文：

There are many ways for British people to survive the economic recession. The main ones of them are as follows.

First of all, British people should insure their income to deal with the recession. Moreover, it is necessary for them to pick a winning credit card and overpay their mortgage while they can. Thirdly, they must keep savings in an easily accessible account. Fourthly, they are required to take control of their pension and fix their retirement income. Finally, they have to shake up their share portfolio, cut the cost of essential insurance and boost their income. The above mentioned ways will help the British to weather bad times.