托福写作部分作为评估考生英语综合应用能力和批判性思维的重要环节，在托福考试中起到重要作用。为了助力广大考生在这一领域取得突破，我们将为考生提供既符合托福评分标准又具有启发性的写作范例。以下是一篇“用积蓄买房还是创业”话题的托福写作范文。

英文原文

Choosing whether to buy a house or a business with saved money is a huge decision to make. There are many benefits to both of choices; however, I think that if I had enough money to buy one or the other, I would choose to buy a house.

用积蓄来决定是买房还是创业，这是一个重大抉择。这两种选择都有诸多益处；然而，我认为如果我有足够的钱去买其中一样，我会选择买房。

When one buys a business, he/she is required to spend long, hard hours to ensure that the business is a success. Starting a business is no easy task, and statistics state that half of new businesses fail within the first year.

当一个人创业时，需要投入大量时间和精力，以确保生意成功。创业绝非易事，据统计，有一半的新企业在第一年就会倒闭。

If one buys a house instead of a business, there is nothing that can fail. A house sometimes requires repairs, but usually such repairs can be done on ones own schedule.

如果一个人选择买房而不是创业，就不会有失败的风险。房子有时需要维修，但通常这些维修可以按照自己的时间安排来进行。

A house is also an excellent investment. With the world population rising as quickly as it is, it is a very good idea to become a property owner. In the coming years, land will become more and more expensive, and therefore less attainable. Also, if one buys a house, it is likely that he/she will be able to sell it at a reasonable profit in the future. Providing for ones family is very important, and a house is a stable investment for a family.

买房也是一项绝佳的投资。随着世界人口如此迅速地增长，拥有房产是个很好的主意。在未来几年里，土地会变得越来越贵，因此也越来越难以获得。而且，如果一个人买了房，未来很可能能以合理的利润将其出售。养家糊口非常重要，而房子对一个家庭来说是一项稳定的投资。

Finally, owning a house is a good idea because it saves you from giving someone else money every month for your rent. Usually, when one buys a house, he/she has a mortgage that he/she must pay off in the coming years.

最后，买房是个好主意，因为这样你就不用每个月付房租给别人了。通常，当一个人买房时，会有按揭贷款，需要在未来几年内还清。

In most cases, the mortgage costs approximately the same amount of money as renting an apartment. It makes much more sense to pay for your own home, rather than adding to the wealth of someone else.

在大多数情况下，按揭贷款的费用和租公寓的费用差不多。为自己家的房子付钱，比为别人增加财富更有意义。

In conclusion, I think it is a far better idea to buy a house rather than a business. A house requires less work, it is an excellent investment, and it allows you to keep your money by spending it on your own assets, rather than someone elses. In addition to these reasons, you can also rent out your house to someone else, thus creating an extra source of income for yourself.

总之，我认为买房远比创业好。房子需要投入的精力较少，是一项绝佳的投资，而且把钱花在自己的资产上，而不是别人的资产上，能让你的钱保值。除了这些原因之外，你还可以把房子租给别人，从而为自己创造额外的收入来源。

托福写作不仅是作文的模板，更是思维的启迪，它们将引领考生深入思考、广泛阅读、精准表达。您也可以访问网站主页，获取最新的英语学习资料，全方位提升英语水平。