In English, certain words have similar or identical sounds
but differ in meaning and usage depending on the
context in which they are used. These words, known as
homophones, can pose challenges for both native and
non-native speakers, particularly in written and spoken
communication. How do homophones influence
communication, and what is the best strategy to avoid
confusion when learning English?
Consider the following sentence: "She couldn't bear the
heavy workload, but she bore it with patience."
Which of the following explanations best describes the use of the word "bear" in both parts of the sentence?
Which of the following explanations best describes the use of the word "bear" in both parts of the sentence?
O trabalho em equipe é essencial para alcançar objetivos
comuns em muitos contextos profissionais. Nesse
contexto, assinale a alternativa que representa uma
habilidade importante para quem trabalha em equipe.
O texto seguinte servirá de base para responder à questão.
Does Gen Z Already Have a Retirement Problem?
By Elizabeth Gulino
Although they've only been in the professional sphere for less than a decade, Gen Z has already shaken up work as we know it. They're quiet quitting, overcoming imposter syndrome, taking adult gap years, and fully embracing being the personality hire. But they're also, apparently, not saving enough for retirement.
According to the Teachers Insurance and Annuity Association, a financial services company, only 20 percent of Gen Zers are currently saving for retirement. Surya Kolluri, head of the TIAA Institute, says there are a myriad of reasons as to why Gen Z may be behind on starting to save for this milestone: The cost of living is higher, financial pressures are abundant, student debt is climbing, and there's been more of a desire to achieve a healthy work-life balance and flexibility in careers instead of a six-figure salary. And of the 80 percent of respondents who haven't started saving, 35 percent of them admit they don't even know where to start.
A recent Bank of America study provided further confirmation: based on internal deposit account data, the banking institution found that Gen Z on average doesn't have enough saved to cover a month of expenses.
Kolluri says one of the biggest roadblocks in Gen Z's path to retirement is a lack of knowledge. Saving, investing, and the power of compounding aren't exactly taught in schools, and there are enough fin-fluencers and resources out there to make even the most dialed-in Gen Zers feel overwhelmed.
The most common — and easiest — path toward retirement is taking advantage of an employer's 401(k). Lauren, 24, does, but while her current company matches 4 percent of her contributions, she tells PS her former employer didn't match at all. "I didn't even realize that that was such a benefit I was missing," she says. "When I would tell people that they weren't matching it they were like, what? How are they getting away with that? And I had no idea." Now, of course, Lauren is taking full advantage of her employer's plan — but she would've been more ahead in her saving game if she knew what to look for before.
Of the 20 percent of the Gen Zers surveyed currently saving for retirement, 66 percent of them do so throughtheir employer, according to the TIAA. But thanks to dwindling job security and the rise of the gig economy, a chunk of the workforce has been left behind on retirement planning.
Angelina, 27, comes from a family of restaurateurs and is currently partial owner of a restaurant. Currently, she has zero retirement savings. Her dad, however, opened his first restaurant at 36 and was able to retire at 60. "He was able to start something and retire in less than 25 years, which I think gave me a false perception of reality," she says. "I think I'm going to be able to achieve the same thing, but I haven't saved a dime.
"I pay into social security, but that's not necessarily enough to survive on, if that even exists by the time that I'm able to collect it," Angelina adds.
Jane, 25, is at the opposite end of the spectrum: She's currently planning to retire in her 30s — at least, in a way. For most of her working life, she's held two full-time jobs and currently owns a townhouse in downtown Toronto that she rents out to tenants. She lives with her parents to save money and tells PS that 50 percent of her income goes to investments, including retirement.
Right now, she's using Financial Independence, Retire Early (FIRE) as a guide, which follows a formula of saving, investing, and frugal living to reach "financial independence" in a short time frame.
"It's a more flexible variation of retirement," Jane explains. "Retirement doesn't just take one form. There are a lot of different types of it. It's not never working — it's being work-optional, being flexible, being able to take really long breaks."
The first milestone under FIRE is called "barista fire," which Jane is currently working toward obtaining. "It gives you flexibility to be work-optional and gives you flexibility to have enough [saved] that you can be a barista, for example, or work part-time for the rest of your life so you're not dependent on a full 9-to-5 corporate job," she says. "My first FIRE milestone is hopefully saving $700,000. That would enable me to find alternative sources of income as opposed to a full 9-to-5."
Jane's not exactly the norm, however. Kolluri says that employers like Lauren's play a vital role in enabling their workers to get on a strong financial plan, meaning that freelancers or those who are self-employed, like Angelina, need to work that much harder to get themselves started. If you fall into that bucket, he says that looking into individual retirement accounts (IRAs) are a good place to start.
Haley Sacks, a financial influencer known as Mrs. Dow Jones, agrees that endless opportunities to buy and consume don't help very much when it comes to saving. "I think it's really hard when you're constantly bombarded with so much to buy and so much FOMO," she says. "It's very easy for people to spend everything that they make."
Jane, Lauren, and Angelina all cite similar reasons for their age group's lack of retirement funds: the rising cost of living, a shortage of knowledge, and endless opportunities to spend money under capitalism. "We livein a time where our FYPs and our Instagram feeds are perfectly tailored to things we want to purchase and overconsumption is so normalized," Angelina says. "I would say [Gen Z not saving] is more because of overconsumption and the need to shop that's ingrained in us versus not having things like a 401(k), or whatever the hell it's called."
Kolluri says education and instilling confidence among young people when it comes to their money is a must. Saving for retirement is vital — not only for living expenses to be covered with age, but medical expenses, too. "The average couple spends over $300,000 on healthcare in retirement in cash," Sacks says. "The funds that you're saving are not just to live in Boca and play golf all day they're also to take care of yourself as your health deteriorates."
Kolluri says that what's different about Gen Z is they value one thing above all else: freedom. "People in this demographic express interest in wanting to maintain the freedom to pursue their interests and being able to financially manage their lives," he says. "That is a new combination we have not seen in other generations."
Retirement is a long way off for Gen Zers. Angelina, though, is already looking forward to the future. "2025 is my year to get my shit together," she says.
https://www.popsugar.com/money/gen-z-retirement-49425345
In the sentence "According to the Teachers Insuranceand Annuity Association, a financial services company,
only 20 percent of Gen Zers are currently saving for
retirement," the verb tense "are saving" is used. What is
the function of this tense in the context of the sentence?
O texto seguinte servirá de base para responder à questão.
Does Gen Z Already Have a Retirement Problem?
By Elizabeth Gulino
Although they've only been in the professional sphere for less than a decade, Gen Z has already shaken up work as we know it. They're quiet quitting, overcoming imposter syndrome, taking adult gap years, and fully embracing being the personality hire. But they're also, apparently, not saving enough for retirement.
According to the Teachers Insurance and Annuity Association, a financial services company, only 20 percent of Gen Zers are currently saving for retirement. Surya Kolluri, head of the TIAA Institute, says there are a myriad of reasons as to why Gen Z may be behind on starting to save for this milestone: The cost of living is higher, financial pressures are abundant, student debt is climbing, and there's been more of a desire to achieve a healthy work-life balance and flexibility in careers instead of a six-figure salary. And of the 80 percent of respondents who haven't started saving, 35 percent of them admit they don't even know where to start.
A recent Bank of America study provided further confirmation: based on internal deposit account data, the banking institution found that Gen Z on average doesn't have enough saved to cover a month of expenses.
Kolluri says one of the biggest roadblocks in Gen Z's path to retirement is a lack of knowledge. Saving, investing, and the power of compounding aren't exactly taught in schools, and there are enough fin-fluencers and resources out there to make even the most dialed-in Gen Zers feel overwhelmed.
The most common — and easiest — path toward retirement is taking advantage of an employer's 401(k). Lauren, 24, does, but while her current company matches 4 percent of her contributions, she tells PS her former employer didn't match at all. "I didn't even realize that that was such a benefit I was missing," she says. "When I would tell people that they weren't matching it they were like, what? How are they getting away with that? And I had no idea." Now, of course, Lauren is taking full advantage of her employer's plan — but she would've been more ahead in her saving game if she knew what to look for before.
Of the 20 percent of the Gen Zers surveyed currently saving for retirement, 66 percent of them do so throughtheir employer, according to the TIAA. But thanks to dwindling job security and the rise of the gig economy, a chunk of the workforce has been left behind on retirement planning.
Angelina, 27, comes from a family of restaurateurs and is currently partial owner of a restaurant. Currently, she has zero retirement savings. Her dad, however, opened his first restaurant at 36 and was able to retire at 60. "He was able to start something and retire in less than 25 years, which I think gave me a false perception of reality," she says. "I think I'm going to be able to achieve the same thing, but I haven't saved a dime.
"I pay into social security, but that's not necessarily enough to survive on, if that even exists by the time that I'm able to collect it," Angelina adds.
Jane, 25, is at the opposite end of the spectrum: She's currently planning to retire in her 30s — at least, in a way. For most of her working life, she's held two full-time jobs and currently owns a townhouse in downtown Toronto that she rents out to tenants. She lives with her parents to save money and tells PS that 50 percent of her income goes to investments, including retirement.
Right now, she's using Financial Independence, Retire Early (FIRE) as a guide, which follows a formula of saving, investing, and frugal living to reach "financial independence" in a short time frame.
"It's a more flexible variation of retirement," Jane explains. "Retirement doesn't just take one form. There are a lot of different types of it. It's not never working — it's being work-optional, being flexible, being able to take really long breaks."
The first milestone under FIRE is called "barista fire," which Jane is currently working toward obtaining. "It gives you flexibility to be work-optional and gives you flexibility to have enough [saved] that you can be a barista, for example, or work part-time for the rest of your life so you're not dependent on a full 9-to-5 corporate job," she says. "My first FIRE milestone is hopefully saving $700,000. That would enable me to find alternative sources of income as opposed to a full 9-to-5."
Jane's not exactly the norm, however. Kolluri says that employers like Lauren's play a vital role in enabling their workers to get on a strong financial plan, meaning that freelancers or those who are self-employed, like Angelina, need to work that much harder to get themselves started. If you fall into that bucket, he says that looking into individual retirement accounts (IRAs) are a good place to start.
Haley Sacks, a financial influencer known as Mrs. Dow Jones, agrees that endless opportunities to buy and consume don't help very much when it comes to saving. "I think it's really hard when you're constantly bombarded with so much to buy and so much FOMO," she says. "It's very easy for people to spend everything that they make."
Jane, Lauren, and Angelina all cite similar reasons for their age group's lack of retirement funds: the rising cost of living, a shortage of knowledge, and endless opportunities to spend money under capitalism. "We livein a time where our FYPs and our Instagram feeds are perfectly tailored to things we want to purchase and overconsumption is so normalized," Angelina says. "I would say [Gen Z not saving] is more because of overconsumption and the need to shop that's ingrained in us versus not having things like a 401(k), or whatever the hell it's called."
Kolluri says education and instilling confidence among young people when it comes to their money is a must. Saving for retirement is vital — not only for living expenses to be covered with age, but medical expenses, too. "The average couple spends over $300,000 on healthcare in retirement in cash," Sacks says. "The funds that you're saving are not just to live in Boca and play golf all day they're also to take care of yourself as your health deteriorates."
Kolluri says that what's different about Gen Z is they value one thing above all else: freedom. "People in this demographic express interest in wanting to maintain the freedom to pursue their interests and being able to financially manage their lives," he says. "That is a new combination we have not seen in other generations."
Retirement is a long way off for Gen Zers. Angelina, though, is already looking forward to the future. "2025 is my year to get my shit together," she says.
https://www.popsugar.com/money/gen-z-retirement-49425345
The article features the perspectives of different
individuals regarding retirement savings. These
individuals express their views based on their own life
situations and financial understanding. What best
describes the relationship between the speakers' views
and their personal experiences, as conveyed in the
article?
The incorporation of English into Brazilian Portuguese
has evolved over several decades. How has the
influence of English in Brazilian Portuguese historically
impacted its use in everyday speech?
O texto seguinte servirá de base para responder à questão.
Does Gen Z Already Have a Retirement Problem?
By Elizabeth Gulino
Although they've only been in the professional sphere for less than a decade, Gen Z has already shaken up work as we know it. They're quiet quitting, overcoming imposter syndrome, taking adult gap years, and fully embracing being the personality hire. But they're also, apparently, not saving enough for retirement.
According to the Teachers Insurance and Annuity Association, a financial services company, only 20 percent of Gen Zers are currently saving for retirement. Surya Kolluri, head of the TIAA Institute, says there are a myriad of reasons as to why Gen Z may be behind on starting to save for this milestone: The cost of living is higher, financial pressures are abundant, student debt is climbing, and there's been more of a desire to achieve a healthy work-life balance and flexibility in careers instead of a six-figure salary. And of the 80 percent of respondents who haven't started saving, 35 percent of them admit they don't even know where to start.
A recent Bank of America study provided further confirmation: based on internal deposit account data, the banking institution found that Gen Z on average doesn't have enough saved to cover a month of expenses.
Kolluri says one of the biggest roadblocks in Gen Z's path to retirement is a lack of knowledge. Saving, investing, and the power of compounding aren't exactly taught in schools, and there are enough fin-fluencers and resources out there to make even the most dialed-in Gen Zers feel overwhelmed.
The most common — and easiest — path toward retirement is taking advantage of an employer's 401(k). Lauren, 24, does, but while her current company matches 4 percent of her contributions, she tells PS her former employer didn't match at all. "I didn't even realize that that was such a benefit I was missing," she says. "When I would tell people that they weren't matching it they were like, what? How are they getting away with that? And I had no idea." Now, of course, Lauren is taking full advantage of her employer's plan — but she would've been more ahead in her saving game if she knew what to look for before.
Of the 20 percent of the Gen Zers surveyed currently saving for retirement, 66 percent of them do so throughtheir employer, according to the TIAA. But thanks to dwindling job security and the rise of the gig economy, a chunk of the workforce has been left behind on retirement planning.
Angelina, 27, comes from a family of restaurateurs and is currently partial owner of a restaurant. Currently, she has zero retirement savings. Her dad, however, opened his first restaurant at 36 and was able to retire at 60. "He was able to start something and retire in less than 25 years, which I think gave me a false perception of reality," she says. "I think I'm going to be able to achieve the same thing, but I haven't saved a dime.
"I pay into social security, but that's not necessarily enough to survive on, if that even exists by the time that I'm able to collect it," Angelina adds.
Jane, 25, is at the opposite end of the spectrum: She's currently planning to retire in her 30s — at least, in a way. For most of her working life, she's held two full-time jobs and currently owns a townhouse in downtown Toronto that she rents out to tenants. She lives with her parents to save money and tells PS that 50 percent of her income goes to investments, including retirement.
Right now, she's using Financial Independence, Retire Early (FIRE) as a guide, which follows a formula of saving, investing, and frugal living to reach "financial independence" in a short time frame.
"It's a more flexible variation of retirement," Jane explains. "Retirement doesn't just take one form. There are a lot of different types of it. It's not never working — it's being work-optional, being flexible, being able to take really long breaks."
The first milestone under FIRE is called "barista fire," which Jane is currently working toward obtaining. "It gives you flexibility to be work-optional and gives you flexibility to have enough [saved] that you can be a barista, for example, or work part-time for the rest of your life so you're not dependent on a full 9-to-5 corporate job," she says. "My first FIRE milestone is hopefully saving $700,000. That would enable me to find alternative sources of income as opposed to a full 9-to-5."
Jane's not exactly the norm, however. Kolluri says that employers like Lauren's play a vital role in enabling their workers to get on a strong financial plan, meaning that freelancers or those who are self-employed, like Angelina, need to work that much harder to get themselves started. If you fall into that bucket, he says that looking into individual retirement accounts (IRAs) are a good place to start.
Haley Sacks, a financial influencer known as Mrs. Dow Jones, agrees that endless opportunities to buy and consume don't help very much when it comes to saving. "I think it's really hard when you're constantly bombarded with so much to buy and so much FOMO," she says. "It's very easy for people to spend everything that they make."
Jane, Lauren, and Angelina all cite similar reasons for their age group's lack of retirement funds: the rising cost of living, a shortage of knowledge, and endless opportunities to spend money under capitalism. "We livein a time where our FYPs and our Instagram feeds are perfectly tailored to things we want to purchase and overconsumption is so normalized," Angelina says. "I would say [Gen Z not saving] is more because of overconsumption and the need to shop that's ingrained in us versus not having things like a 401(k), or whatever the hell it's called."
Kolluri says education and instilling confidence among young people when it comes to their money is a must. Saving for retirement is vital — not only for living expenses to be covered with age, but medical expenses, too. "The average couple spends over $300,000 on healthcare in retirement in cash," Sacks says. "The funds that you're saving are not just to live in Boca and play golf all day they're also to take care of yourself as your health deteriorates."
Kolluri says that what's different about Gen Z is they value one thing above all else: freedom. "People in this demographic express interest in wanting to maintain the freedom to pursue their interests and being able to financially manage their lives," he says. "That is a new combination we have not seen in other generations."
Retirement is a long way off for Gen Zers. Angelina, though, is already looking forward to the future. "2025 is my year to get my shit together," she says.
https://www.popsugar.com/money/gen-z-retirement-49425345
In the sentence "The most common — and easiest —
path toward retirement is taking advantage of an
employer's 401(k)," the word "path" refers to which of the
following?
O aleitamento materno exclusivo é quando a criança
recebe apenas leite materno — seja diretamente da
mama, ordenhado ou proveniente de outra fonte humana
— sem a ingestão de outros líquidos ou alimentos
sólidos.
Fonte: https://bvsms.saude.gov.br/bvs/publicacoes/saude_ crianca_nutricao_aleitamento_alimentacao.pdf
Dentre as opções citadas abaixo, assinale a alternativa que corresponde a um benefício do aleitamento materno exclusivo.
Fonte: https://bvsms.saude.gov.br/bvs/publicacoes/saude_ crianca_nutricao_aleitamento_alimentacao.pdf
Dentre as opções citadas abaixo, assinale a alternativa que corresponde a um benefício do aleitamento materno exclusivo.
Associe a segunda coluna de acordo com a primeira,
que relaciona tipos de programas de computador com
suas principais funções no ambiente administrativo:
Primeira coluna: tipo de programa
1- Editor de texto 2- Navegador de internet 3- Antivírus 4- Planilha eletrônica 5- Software de videoconferência
Segunda coluna: função
(__)Permite criar, editar e formatar documentos, como relatórios, ofícios e memorandos.
(__)Facilita o acesso a sites, pesquisas na web, sistemas online e portais governamentais.
(__)Protege o computador contra malwares, vírus e ameaças virtuais, garantindo a segurança dos dados.
(__)Utilizado para organizar dados, realizar cálculos, criar gráficos e controlar informações financeiras.
(__)Permite a realização de reuniões virtuais, chamadas em vídeo e conferências à distância.
Assinale a alternativa que apresenta a correta associação entre as colunas:
Primeira coluna: tipo de programa
1- Editor de texto 2- Navegador de internet 3- Antivírus 4- Planilha eletrônica 5- Software de videoconferência
Segunda coluna: função
(__)Permite criar, editar e formatar documentos, como relatórios, ofícios e memorandos.
(__)Facilita o acesso a sites, pesquisas na web, sistemas online e portais governamentais.
(__)Protege o computador contra malwares, vírus e ameaças virtuais, garantindo a segurança dos dados.
(__)Utilizado para organizar dados, realizar cálculos, criar gráficos e controlar informações financeiras.
(__)Permite a realização de reuniões virtuais, chamadas em vídeo e conferências à distância.
Assinale a alternativa que apresenta a correta associação entre as colunas:
A saúde mental é um estado de bem-estar mental que
permite que as pessoas lidem com os momentos
estressantes da vida, desenvolvam todas as suas
habilidades, sejam capazes de aprender e trabalhar
adequadamente e contribuam para a melhoria de sua
comunidade.
Fonte: https://www.paho.org/pt/topicos/saude-mental
No que diz respeito a saúde mental, registre V, para verdadeiro, e F, para falso, nas afirmativas a seguir:
(__)A saúde mental só diz respeito a pessoas que têm diagnóstico de transtorno mental.
(__)A saúde mental é determinada exclusivamente por fatores genéticos.
(__)Todos as pessoas que apresentam sofrimento psíquico grave têm baixa funcionalidade social.
Assinale a alternativa que apresenta a sequência correta.
Fonte: https://www.paho.org/pt/topicos/saude-mental
No que diz respeito a saúde mental, registre V, para verdadeiro, e F, para falso, nas afirmativas a seguir:
(__)A saúde mental só diz respeito a pessoas que têm diagnóstico de transtorno mental.
(__)A saúde mental é determinada exclusivamente por fatores genéticos.
(__)Todos as pessoas que apresentam sofrimento psíquico grave têm baixa funcionalidade social.
Assinale a alternativa que apresenta a sequência correta.
A hanseníase é uma doença infecciosa crônica, ainda
endêmica em países como Índia, Brasil e Indonésia.
Apesar de ser curável, sua persistência está relacionada
a fatores socioeconômicos. Diante ao exposto, assinale
a alternativa que corresponde ao fator que está
associado à persistência da hanseníase nesses locais.
O texto seguinte servirá de base para responder à questão.
Does Gen Z Already Have a Retirement Problem?
By Elizabeth Gulino
Although they've only been in the professional sphere for less than a decade, Gen Z has already shaken up work as we know it. They're quiet quitting, overcoming imposter syndrome, taking adult gap years, and fully embracing being the personality hire. But they're also, apparently, not saving enough for retirement.
According to the Teachers Insurance and Annuity Association, a financial services company, only 20 percent of Gen Zers are currently saving for retirement. Surya Kolluri, head of the TIAA Institute, says there are a myriad of reasons as to why Gen Z may be behind on starting to save for this milestone: The cost of living is higher, financial pressures are abundant, student debt is climbing, and there's been more of a desire to achieve a healthy work-life balance and flexibility in careers instead of a six-figure salary. And of the 80 percent of respondents who haven't started saving, 35 percent of them admit they don't even know where to start.
A recent Bank of America study provided further confirmation: based on internal deposit account data, the banking institution found that Gen Z on average doesn't have enough saved to cover a month of expenses.
Kolluri says one of the biggest roadblocks in Gen Z's path to retirement is a lack of knowledge. Saving, investing, and the power of compounding aren't exactly taught in schools, and there are enough fin-fluencers and resources out there to make even the most dialed-in Gen Zers feel overwhelmed.
The most common — and easiest — path toward retirement is taking advantage of an employer's 401(k). Lauren, 24, does, but while her current company matches 4 percent of her contributions, she tells PS her former employer didn't match at all. "I didn't even realize that that was such a benefit I was missing," she says. "When I would tell people that they weren't matching it they were like, what? How are they getting away with that? And I had no idea." Now, of course, Lauren is taking full advantage of her employer's plan — but she would've been more ahead in her saving game if she knew what to look for before.
Of the 20 percent of the Gen Zers surveyed currently saving for retirement, 66 percent of them do so throughtheir employer, according to the TIAA. But thanks to dwindling job security and the rise of the gig economy, a chunk of the workforce has been left behind on retirement planning.
Angelina, 27, comes from a family of restaurateurs and is currently partial owner of a restaurant. Currently, she has zero retirement savings. Her dad, however, opened his first restaurant at 36 and was able to retire at 60. "He was able to start something and retire in less than 25 years, which I think gave me a false perception of reality," she says. "I think I'm going to be able to achieve the same thing, but I haven't saved a dime.
"I pay into social security, but that's not necessarily enough to survive on, if that even exists by the time that I'm able to collect it," Angelina adds.
Jane, 25, is at the opposite end of the spectrum: She's currently planning to retire in her 30s — at least, in a way. For most of her working life, she's held two full-time jobs and currently owns a townhouse in downtown Toronto that she rents out to tenants. She lives with her parents to save money and tells PS that 50 percent of her income goes to investments, including retirement.
Right now, she's using Financial Independence, Retire Early (FIRE) as a guide, which follows a formula of saving, investing, and frugal living to reach "financial independence" in a short time frame.
"It's a more flexible variation of retirement," Jane explains. "Retirement doesn't just take one form. There are a lot of different types of it. It's not never working — it's being work-optional, being flexible, being able to take really long breaks."
The first milestone under FIRE is called "barista fire," which Jane is currently working toward obtaining. "It gives you flexibility to be work-optional and gives you flexibility to have enough [saved] that you can be a barista, for example, or work part-time for the rest of your life so you're not dependent on a full 9-to-5 corporate job," she says. "My first FIRE milestone is hopefully saving $700,000. That would enable me to find alternative sources of income as opposed to a full 9-to-5."
Jane's not exactly the norm, however. Kolluri says that employers like Lauren's play a vital role in enabling their workers to get on a strong financial plan, meaning that freelancers or those who are self-employed, like Angelina, need to work that much harder to get themselves started. If you fall into that bucket, he says that looking into individual retirement accounts (IRAs) are a good place to start.
Haley Sacks, a financial influencer known as Mrs. Dow Jones, agrees that endless opportunities to buy and consume don't help very much when it comes to saving. "I think it's really hard when you're constantly bombarded with so much to buy and so much FOMO," she says. "It's very easy for people to spend everything that they make."
Jane, Lauren, and Angelina all cite similar reasons for their age group's lack of retirement funds: the rising cost of living, a shortage of knowledge, and endless opportunities to spend money under capitalism. "We livein a time where our FYPs and our Instagram feeds are perfectly tailored to things we want to purchase and overconsumption is so normalized," Angelina says. "I would say [Gen Z not saving] is more because of overconsumption and the need to shop that's ingrained in us versus not having things like a 401(k), or whatever the hell it's called."
Kolluri says education and instilling confidence among young people when it comes to their money is a must. Saving for retirement is vital — not only for living expenses to be covered with age, but medical expenses, too. "The average couple spends over $300,000 on healthcare in retirement in cash," Sacks says. "The funds that you're saving are not just to live in Boca and play golf all day they're also to take care of yourself as your health deteriorates."
Kolluri says that what's different about Gen Z is they value one thing above all else: freedom. "People in this demographic express interest in wanting to maintain the freedom to pursue their interests and being able to financially manage their lives," he says. "That is a new combination we have not seen in other generations."
Retirement is a long way off for Gen Zers. Angelina, though, is already looking forward to the future. "2025 is my year to get my shit together," she says.
https://www.popsugar.com/money/gen-z-retirement-49425345
The article presents a discussion about retirement
savings among Gen Z, touching on various aspects of
financial behavior and generational differences. Given its
purpose, what genre best describes this article,
considering its informative and reflective tone?
There are several theories regarding how humans
acquire language, each with different perspectives on the
role of innate biological mechanisms and social
interaction. For example, the nativist theory suggests that
language acquisition is an inborn ability, while the
interactionist theory emphasizes the importance of social
interaction in learning a language. How does the
interactionist theory explain language acquisition?
A adoção de estratégias de prevenção de acidentes com
idosos é fundamental para garantir a segurança,
autonomia e qualidade de vida dessa população. Com o
avanço da idade, é comum o surgimento de limitações
físicas, sensoriais e cognitivas que aumentam o risco de
quedas e outros incidentes domésticos.
Com base nas informações apresentadas, assinale a alternativa que NÃO corresponde a uma estratégia de prevenção de acidentes com idosos.
Com base nas informações apresentadas, assinale a alternativa que NÃO corresponde a uma estratégia de prevenção de acidentes com idosos.
O texto seguinte servirá de base para responder à questão.
Does Gen Z Already Have a Retirement Problem?
By Elizabeth Gulino
Although they've only been in the professional sphere for less than a decade, Gen Z has already shaken up work as we know it. They're quiet quitting, overcoming imposter syndrome, taking adult gap years, and fully embracing being the personality hire. But they're also, apparently, not saving enough for retirement.
According to the Teachers Insurance and Annuity Association, a financial services company, only 20 percent of Gen Zers are currently saving for retirement. Surya Kolluri, head of the TIAA Institute, says there are a myriad of reasons as to why Gen Z may be behind on starting to save for this milestone: The cost of living is higher, financial pressures are abundant, student debt is climbing, and there's been more of a desire to achieve a healthy work-life balance and flexibility in careers instead of a six-figure salary. And of the 80 percent of respondents who haven't started saving, 35 percent of them admit they don't even know where to start.
A recent Bank of America study provided further confirmation: based on internal deposit account data, the banking institution found that Gen Z on average doesn't have enough saved to cover a month of expenses.
Kolluri says one of the biggest roadblocks in Gen Z's path to retirement is a lack of knowledge. Saving, investing, and the power of compounding aren't exactly taught in schools, and there are enough fin-fluencers and resources out there to make even the most dialed-in Gen Zers feel overwhelmed.
The most common — and easiest — path toward retirement is taking advantage of an employer's 401(k). Lauren, 24, does, but while her current company matches 4 percent of her contributions, she tells PS her former employer didn't match at all. "I didn't even realize that that was such a benefit I was missing," she says. "When I would tell people that they weren't matching it they were like, what? How are they getting away with that? And I had no idea." Now, of course, Lauren is taking full advantage of her employer's plan — but she would've been more ahead in her saving game if she knew what to look for before.
Of the 20 percent of the Gen Zers surveyed currently saving for retirement, 66 percent of them do so throughtheir employer, according to the TIAA. But thanks to dwindling job security and the rise of the gig economy, a chunk of the workforce has been left behind on retirement planning.
Angelina, 27, comes from a family of restaurateurs and is currently partial owner of a restaurant. Currently, she has zero retirement savings. Her dad, however, opened his first restaurant at 36 and was able to retire at 60. "He was able to start something and retire in less than 25 years, which I think gave me a false perception of reality," she says. "I think I'm going to be able to achieve the same thing, but I haven't saved a dime.
"I pay into social security, but that's not necessarily enough to survive on, if that even exists by the time that I'm able to collect it," Angelina adds.
Jane, 25, is at the opposite end of the spectrum: She's currently planning to retire in her 30s — at least, in a way. For most of her working life, she's held two full-time jobs and currently owns a townhouse in downtown Toronto that she rents out to tenants. She lives with her parents to save money and tells PS that 50 percent of her income goes to investments, including retirement.
Right now, she's using Financial Independence, Retire Early (FIRE) as a guide, which follows a formula of saving, investing, and frugal living to reach "financial independence" in a short time frame.
"It's a more flexible variation of retirement," Jane explains. "Retirement doesn't just take one form. There are a lot of different types of it. It's not never working — it's being work-optional, being flexible, being able to take really long breaks."
The first milestone under FIRE is called "barista fire," which Jane is currently working toward obtaining. "It gives you flexibility to be work-optional and gives you flexibility to have enough [saved] that you can be a barista, for example, or work part-time for the rest of your life so you're not dependent on a full 9-to-5 corporate job," she says. "My first FIRE milestone is hopefully saving $700,000. That would enable me to find alternative sources of income as opposed to a full 9-to-5."
Jane's not exactly the norm, however. Kolluri says that employers like Lauren's play a vital role in enabling their workers to get on a strong financial plan, meaning that freelancers or those who are self-employed, like Angelina, need to work that much harder to get themselves started. If you fall into that bucket, he says that looking into individual retirement accounts (IRAs) are a good place to start.
Haley Sacks, a financial influencer known as Mrs. Dow Jones, agrees that endless opportunities to buy and consume don't help very much when it comes to saving. "I think it's really hard when you're constantly bombarded with so much to buy and so much FOMO," she says. "It's very easy for people to spend everything that they make."
Jane, Lauren, and Angelina all cite similar reasons for their age group's lack of retirement funds: the rising cost of living, a shortage of knowledge, and endless opportunities to spend money under capitalism. "We livein a time where our FYPs and our Instagram feeds are perfectly tailored to things we want to purchase and overconsumption is so normalized," Angelina says. "I would say [Gen Z not saving] is more because of overconsumption and the need to shop that's ingrained in us versus not having things like a 401(k), or whatever the hell it's called."
Kolluri says education and instilling confidence among young people when it comes to their money is a must. Saving for retirement is vital — not only for living expenses to be covered with age, but medical expenses, too. "The average couple spends over $300,000 on healthcare in retirement in cash," Sacks says. "The funds that you're saving are not just to live in Boca and play golf all day they're also to take care of yourself as your health deteriorates."
Kolluri says that what's different about Gen Z is they value one thing above all else: freedom. "People in this demographic express interest in wanting to maintain the freedom to pursue their interests and being able to financially manage their lives," he says. "That is a new combination we have not seen in other generations."
Retirement is a long way off for Gen Zers. Angelina, though, is already looking forward to the future. "2025 is my year to get my shit together," she says.
https://www.popsugar.com/money/gen-z-retirement-49425345
In the article, the author discusses Gen Z's approach to
work and career. One of the terms that has emerged to
describe a specific behavior in the workplace is "quiet
quitting". Based on the context provided in the article,
how would you best define this term?
Uma infração de trânsito é a violação de qualquer regra
do Código de Trânsito Brasileiro (CTB), da legislação
complementar ou das Resoluções do Contran (Conselho
Nacional de Trânsito). As penalidades e medidas
administrativas aplicadas variam conforme a gravidade
da infração. Assinale abaixo a violação que é
classificada com Infração Gravíssima.
In a language classroom, the integration of the four key
skills—listening, speaking, reading, and writing—is
essential for developing comprehensive language
proficiency. How can a teacher best integrate listening,speaking, reading, and writing in a single lesson to
enhance students' language acquisition?
O texto seguinte servirá de base para responder à questão.
Does Gen Z Already Have a Retirement Problem?
By Elizabeth Gulino
Although they've only been in the professional sphere for less than a decade, Gen Z has already shaken up work as we know it. They're quiet quitting, overcoming imposter syndrome, taking adult gap years, and fully embracing being the personality hire. But they're also, apparently, not saving enough for retirement.
According to the Teachers Insurance and Annuity Association, a financial services company, only 20 percent of Gen Zers are currently saving for retirement. Surya Kolluri, head of the TIAA Institute, says there are a myriad of reasons as to why Gen Z may be behind on starting to save for this milestone: The cost of living is higher, financial pressures are abundant, student debt is climbing, and there's been more of a desire to achieve a healthy work-life balance and flexibility in careers instead of a six-figure salary. And of the 80 percent of respondents who haven't started saving, 35 percent of them admit they don't even know where to start.
A recent Bank of America study provided further confirmation: based on internal deposit account data, the banking institution found that Gen Z on average doesn't have enough saved to cover a month of expenses.
Kolluri says one of the biggest roadblocks in Gen Z's path to retirement is a lack of knowledge. Saving, investing, and the power of compounding aren't exactly taught in schools, and there are enough fin-fluencers and resources out there to make even the most dialed-in Gen Zers feel overwhelmed.
The most common — and easiest — path toward retirement is taking advantage of an employer's 401(k). Lauren, 24, does, but while her current company matches 4 percent of her contributions, she tells PS her former employer didn't match at all. "I didn't even realize that that was such a benefit I was missing," she says. "When I would tell people that they weren't matching it they were like, what? How are they getting away with that? And I had no idea." Now, of course, Lauren is taking full advantage of her employer's plan — but she would've been more ahead in her saving game if she knew what to look for before.
Of the 20 percent of the Gen Zers surveyed currently saving for retirement, 66 percent of them do so throughtheir employer, according to the TIAA. But thanks to dwindling job security and the rise of the gig economy, a chunk of the workforce has been left behind on retirement planning.
Angelina, 27, comes from a family of restaurateurs and is currently partial owner of a restaurant. Currently, she has zero retirement savings. Her dad, however, opened his first restaurant at 36 and was able to retire at 60. "He was able to start something and retire in less than 25 years, which I think gave me a false perception of reality," she says. "I think I'm going to be able to achieve the same thing, but I haven't saved a dime.
"I pay into social security, but that's not necessarily enough to survive on, if that even exists by the time that I'm able to collect it," Angelina adds.
Jane, 25, is at the opposite end of the spectrum: She's currently planning to retire in her 30s — at least, in a way. For most of her working life, she's held two full-time jobs and currently owns a townhouse in downtown Toronto that she rents out to tenants. She lives with her parents to save money and tells PS that 50 percent of her income goes to investments, including retirement.
Right now, she's using Financial Independence, Retire Early (FIRE) as a guide, which follows a formula of saving, investing, and frugal living to reach "financial independence" in a short time frame.
"It's a more flexible variation of retirement," Jane explains. "Retirement doesn't just take one form. There are a lot of different types of it. It's not never working — it's being work-optional, being flexible, being able to take really long breaks."
The first milestone under FIRE is called "barista fire," which Jane is currently working toward obtaining. "It gives you flexibility to be work-optional and gives you flexibility to have enough [saved] that you can be a barista, for example, or work part-time for the rest of your life so you're not dependent on a full 9-to-5 corporate job," she says. "My first FIRE milestone is hopefully saving $700,000. That would enable me to find alternative sources of income as opposed to a full 9-to-5."
Jane's not exactly the norm, however. Kolluri says that employers like Lauren's play a vital role in enabling their workers to get on a strong financial plan, meaning that freelancers or those who are self-employed, like Angelina, need to work that much harder to get themselves started. If you fall into that bucket, he says that looking into individual retirement accounts (IRAs) are a good place to start.
Haley Sacks, a financial influencer known as Mrs. Dow Jones, agrees that endless opportunities to buy and consume don't help very much when it comes to saving. "I think it's really hard when you're constantly bombarded with so much to buy and so much FOMO," she says. "It's very easy for people to spend everything that they make."
Jane, Lauren, and Angelina all cite similar reasons for their age group's lack of retirement funds: the rising cost of living, a shortage of knowledge, and endless opportunities to spend money under capitalism. "We livein a time where our FYPs and our Instagram feeds are perfectly tailored to things we want to purchase and overconsumption is so normalized," Angelina says. "I would say [Gen Z not saving] is more because of overconsumption and the need to shop that's ingrained in us versus not having things like a 401(k), or whatever the hell it's called."
Kolluri says education and instilling confidence among young people when it comes to their money is a must. Saving for retirement is vital — not only for living expenses to be covered with age, but medical expenses, too. "The average couple spends over $300,000 on healthcare in retirement in cash," Sacks says. "The funds that you're saving are not just to live in Boca and play golf all day they're also to take care of yourself as your health deteriorates."
Kolluri says that what's different about Gen Z is they value one thing above all else: freedom. "People in this demographic express interest in wanting to maintain the freedom to pursue their interests and being able to financially manage their lives," he says. "That is a new combination we have not seen in other generations."
Retirement is a long way off for Gen Zers. Angelina, though, is already looking forward to the future. "2025 is my year to get my shit together," she says.
https://www.popsugar.com/money/gen-z-retirement-49425345
In the article, a study conducted by Bank of America is
mentioned to underline the financial situation of Gen Z.
The study serves a specific role in supporting the
argument of the article. What is the main purpose of the
Bank of America study as discussed in the text?
A Administração Pública é composta por órgãos e
entidades que exercem funções administrativas, tendo
como objetivo principal atender ao interesse público.
Sobre a organização e os princípios da AdministraçãoPública, analise as afirmativas a seguir. Marque V, para
verdadeiro e F, para falso:
(__)A Administração Pública pode ser direta, quando exercida pelos órgãos integrantes das pessoas federativas, e indireta, quando realizada pelas entidades administrativas com personalidade jurídica própria.
(__)O princípio da legalidade determina que a Administração Pública só pode agir conforme a lei e dentro dos limites que ela estabelece.
(__)O princípio da eficiência permite que a Administração Pública utilize quaisquer meios para alcançar seus objetivos, mesmo que contrarie normas legais, desde que seja para atender o interesse público.
Diante das afirmativas apresentadas, assinale a questão que apresenta a sequência correta.
(__)A Administração Pública pode ser direta, quando exercida pelos órgãos integrantes das pessoas federativas, e indireta, quando realizada pelas entidades administrativas com personalidade jurídica própria.
(__)O princípio da legalidade determina que a Administração Pública só pode agir conforme a lei e dentro dos limites que ela estabelece.
(__)O princípio da eficiência permite que a Administração Pública utilize quaisquer meios para alcançar seus objetivos, mesmo que contrarie normas legais, desde que seja para atender o interesse público.
Diante das afirmativas apresentadas, assinale a questão que apresenta a sequência correta.
Para habilitar-se nas categorias D e E ou para conduzir veículo de transporte coletivo de passageiros, de escolares, de emergência ou de produto perigoso, o candidato deverá preencher os seguintes requisitos, assinale V, para as afirmativas verdadeiras, e F, para falsas:
(__)Ser maior de vinte e um anos.
(__)Estar habilitado no mínimo há 1 ano na categoria B, ou no mínimo há um ano na categoria C, quando pretender habilitar-se na categoria D.
(__)Estar habilitado no mínimo há um ano na categoria C, quando pretender habilitar-se na categoria E.
(__)Não ter cometido mais de uma infração gravíssima nos últimos 6 (seis) meses.
(__)Ser aprovado em curso especializado e em curso de treinamento de prática veicular em situação de risco, nos termos da normatização do CONTRAN.
Após análise, assinale a alternativa que apresenta a sequência correta dos itens acima, de cima para baixo: