annuity的音標是[?"nju???ti]，基本翻譯是年金，速記技巧是注意元音字母組合的發音特點。

Annual這個詞源可以追溯到拉丁語annus，意為“一年”。annual這個詞在英語中表示“每年的”、“年度的”的意思。它的變化形式主要有復數形式annuals，過去式annualized和現在分詞annualizing。

相關單詞：

1. biennial（兩年一次的）：這個詞源自拉丁語bene（好的）和annus（一年）組成的復合詞，意為“好一年的”，引申為“非連續的、非經常的”。

2. multi-annual（多年期的）：這個詞由multi-（多）和annual（每年的）組成，表示在一年以上的期限。

3. fiscal-annual（財政年度的）：這個詞由fiscal（財政的）和annual（每年的）組成，表示與財政年度相關的。

以上這些單詞都與annual有著密切的聯系，描述了不同時間單位的含義和用法。annual這個詞在英語中應用廣泛，不僅在金融、會計、經濟等領域，也在自然科學和社會科學的許多領域中都有使用。

常用短語：

1. annual income

2. annual bonus

3. annual leave

4. annual review

5. annuity plan

6. lifetime annuity

7. deferred annuity

雙語句子：

1. I receive an annual income of $20,000.

2. She received a yearly bonus of $5,000.

3. I took annual leave to relax after the busy year.

4. The company conducts an annual review of employee performance.

5. We have an annuity plan to provide for our retirement.

6. He received a lifetime annuity for his service to the company.

7. We deferred our income tax by purchasing a deferred annuity.

英文小作文：

Annual Income and Life Expectancy

Annual income is a crucial factor in determining how we live our lives, but it is not the only factor. In addition to our annual income, we also have life expectancy, which plays a significant role in our financial planning and retirement planning.

If we have a high annual income, we can afford to live a luxurious lifestyle, but if we do not plan for our retirement, we may end up with nothing when we reach retirement age. On the other hand, if we have a low annual income, we may need to make sacrifices and live a frugal lifestyle, but if we plan for our retirement, we can enjoy a comfortable and secure retirement.

In addition to planning for our retirement, we should also consider our life expectancy. If we are healthy and active, we may be able to live longer than expected, and if we are not healthy, we may need to adjust our financial planning accordingly. Therefore, it is essential to plan for both our income and life expectancy to ensure a happy and fulfilling life.