托尼和凯文正在办公室里讨论保险的事。

tny: i've just take ut an insurane pliy. are yu insured?

托尼：我刚领到了保险单。你买保险了吗？

kevin: hat insurane? ur pany has ffered us retireent insurane, edial insurane and uneplyent insurane, desn't it?

凯文：什么保险？我们公司不是已经给我们买了养老保险、医疗保险和失业保险了吗？

tny: yeah, but are yu sure yu have purhased enugh insurane fr yu and yur faily? i tk ut a life insurane pliy and ake y ife benefiiary. i need t ake sure that y ife ill be finanially seure if i die.

托尼：是的，但是你确信你已经为你和你的家人买了足够的保险吗？我买了份人寿保险，受益人是我的太太。如果我死了，我要确保我的太太有足够的经济保障。

kevin: that's a gd idea.

凯文：你的想法不错。

tny: i an terinate y life insurane pliy hen i retire and use the ney as a pensin. that's ne f the nditins f y pliy.

托尼：我退休时可以不用再交人寿保险费用，拿那笔钱做养老金。这是我的保单上的一个条件。

kevin: h, i see. i think i als have t nsider an insurane fr y faily.

凯文：哦，我明白了。我觉得我也要为我的家人买份保险了。

tny: that's true. here, all y agent. he'll give yu a gd deal.

托尼：是啊。给你这个，你可以给我的代理人打电话，他会给你一个合理的价钱。

ntes

1. take ut 带……出去；除掉；办理；（n）对……发泄

2. retireent insurane 养老保险

3. edial insurane 医疗保险

4. uneplyent insurane 失业保险

5. benefiiar [?beni'fi??ri] n.受惠者，受益人

6. terinate ['t?:ineit] v. 结束，终止，满期；达到终点

7. pensin ['pen??n] n. 养老金，退休金；抚恤金；（欧洲等地的）私人小旅店；v. 发退休金

小贴士

各种“保险”的说法：

endent insurane / retireent insurane 养老保险

edial insurane / hspitalizatin insurane 医疗保险

uneplyent insurane 失业保险

eplyent injury insurane 工伤保险

hildbirth insurane 生育保险

aident insurane 意外保险

aident death insurane 意外死亡保险

death insurane 死亡保险

earthquake insurane 地震保险

health insurane 健康保险

life insurane 人寿保险

natinal health insurane 国民健康保险

sial insurane 社会保险

债券理财知多少

dialgue

steven eets jak n his ay t the pany. they are talking abut h t ake ney begets ney.

史蒂文在去公司的路上遇到了杰克。他们正在讨论怎样让钱生钱。

steven: n the pries are skyrketing,s i plan t ake persnal investent t lay up se ney fr the future.

史蒂文：现在物价飞涨，我打算做些投资为将来存一些钱。

jak: in y pinin, savings, stks and bnds are gd alternatives fr investent.

杰克：在我看来，储蓄、股票和债券都是很好的投资选择。

steven: yeah, but i uld nt like t be a speulatr in the stk arket. i ay lse all i have. if i put y ney in a bank, it's uh safer. hever, after several years, it ay erde the real value f y ney.

史蒂文：是的，但是我不想炒股，不想做一个投机者。那样我或许会失去一切。如果我把钱存在银行，会比较安全。但是，几年后，这些存款的实际购买力会下降。

jak: quite reasnable. hy dn't yu buy bnds? it's safe and the interest is uh higher than bank's.

杰克：有道理。那你为什么不买债券呢？那样比较安全，利息比银行储蓄的利息要高很多。

steven: hat's bnd? i nly kn a little abut it.

史蒂文：什么是债券？我只知道一点点。

jak: it's a ertifiate issued by a gvernent r a pany aknledging that ney has been lent t it and ill be paid bak ith interest. there are three kinds f bnds divided arding t the different issuers: gvernent bnd, finanial bnd and rprate bnd.

杰克：它是政府或公司发行的有息并偿还本金的债券。按照发行主体的不同可以分为以下三种：政府债券、金融债券和公司债券。

steven: an yu explain these in re detail?

史蒂文：你能说得再详细点吗？

jak: f urse. but e have arrived at ur pany. hat abut getting ff rk?

杰克：当然可以。但是我们已经到公司了。

下班后再讲好吗？

steven: k.

史蒂文：好的。

ntes

1. skyrket ['skai?r?kit] n. 冲天火箭（烟火）；v. 使……上升；陡升，猛涨

2. lay up 储备；暂停使用；使卧床不起

3. speulatr ['spekjuleit?] n. 投机者，投机商人；思索家

4. erde [i'r?ud] v. 腐蚀，侵蚀

小贴士

fixed rate bnd is a bnd here the upn's interest rate reains fixed fr the entire ter. it pays a pre-deterined upn.

固定利率债券是指在整个债券有效期限内，债券的息票利率保持不变的债券。它支付预决息票。

flating rate nte（frn）is a bnd here the upn's interest rate is hanged peridially in ardane t a speifi arket rate.

浮动利率债券是息票利率根据一定市场利率而发生周期性变化的债券。

zer upn bnd is a bnd that is issued and sld at a disunt, pays n interest and prvides payent f the fae value at aturity. this type f bnd is rare, as the entire risk t investrs is nentrated at the aturity date here the prinipal bees payable.

零息债券是打折出售的到期不支付利息只支付面值的债券。这种债券很少见，因为投资者的全部风险都集中在债券到期日，即付本金的时候。