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托尼和凱文正在辦公室里討論保險的事。

tony: i've just take out an insurance policy. are you insured?

托尼：我剛領到了保險單。你買保險了嗎？

kevin: what insurance? our company has offered us retirement insurance, medical insurance and unemployment insurance, doesn't it?

凱文：什么保險？我們公司不是已經給我們買了養老保險、醫療保險和失業保險了嗎？

tony: yeah, but are you sure you have purchased enough insurance for you and your family? i took out a life insurance policy and make my wife beneficiary. i need to make sure that my wife will be financially secure if i die.

托尼：是的，但是你確信你已經為你和你的家人買了足夠的保險嗎？我買了份人壽保險，受益人是我的太太。如果我死了，我要確保我的太太有足夠的經濟保障。

kevin: that's a good idea.

凱文：你的想法不錯。

tony: i can terminate my life insurance policy when i retire and use the money as a pension. that's one of the conditions of my policy.

托尼：我退休時可以不用再交人壽保險費用，拿那筆錢做養老金。這是我的保單上的一個條件。

kevin: oh, i see. i think i also have to consider an insurance for my family.

凱文：哦，我明白了。我覺得我也要為我的家人買份保險了。

tony: that's true. here, call my agent. he'll give you a good deal.

托尼：是啊。給你這個，你可以給我的代理人打電話，他會給你一個合理的價錢。

notes

1. take out 帶……出去；除掉；辦理；（on）對……發泄

2. retirement insurance 養老保險

3. medical insurance 醫療保險

4. unemployment insurance 失業保險

5. beneficiar [?beni'fi??ri] n.受惠者，受益人

6. terminate ['t?:mineit] v. 結束，終止，滿期；達到終點

7. pension ['pen??n] n. 養老金，退休金；撫恤金；（歐洲等地的）私人小旅店；v. 發退休金

小貼士

各種“保險”的說法：

endowment insurance / retirement insurance 養老保險

medical insurance / hospitalization insurance 醫療保險

unemployment insurance 失業保險

employment injury insurance 工傷保險

childbirth insurance 生育保險

accident insurance 意外保險

accident death insurance 意外死亡保險

death insurance 死亡保險

earthquake insurance 地震保險

health insurance 健康保險

life insurance 人壽保險

national health insurance 國民健康保險

social insurance 社會保險

債券理財知多少

dialogue

steven meets jack on his way to the company. they are talking about how to make money begets money.

史蒂文在去公司的路上遇到了杰克。他們正在討論怎樣讓錢生錢。

steven: now the prices are skyrocketing,so i plan to make personal investment to lay up some money for the future.

史蒂文：現在物價飛漲，我打算做些投資為將來存一些錢。

jack: in my opinion, savings, stocks and bonds are good alternatives for investment.

杰克：在我看來，儲蓄、股票和債券都是很好的投資選擇。

steven: yeah, but i would not like to be a speculator in the stock market. i may lose all i have. if i put my money in a bank, it's much safer. however, after several years, it may erode the real value of my money.

史蒂文：是的，但是我不想炒股，不想做一個投機者。那樣我或許會失去一切。如果我把錢存在銀行，會比較安全。但是，幾年后，這些存款的實際購買力會下降。

jack: quite reasonable. why don't you buy bonds? it's safe and the interest is much higher than bank's.

杰克：有道理。那你為什么不買債券呢？那樣比較安全，利息比銀行儲蓄的利息要高很多。

steven: what's bond? i only know a little about it.

史蒂文：什么是債券？我只知道一點點。

jack: it's a certificate issued by a government or a company acknowledging that money has been lent to it and will be paid back with interest. there are three kinds of bonds divided according to the different issuers: government bond, financial bond and corporate bond.

杰克：它是政府或公司發行的有息并償還本金的債券。按照發行主體的不同可以分為以下三種：政府債券、金融債券和公司債券。

steven: can you explain these in more detail?

史蒂文：你能說得再詳細點嗎？

jack: of course. but we have arrived at our company. what about getting off work?

杰克：當然可以。但是我們已經到公司了。

下班后再講好嗎？

steven: ok.

史蒂文：好的。

notes

1. skyrocket ['skai?r?kit] n. 沖天火箭（煙火）；v. 使……上升；陡升，猛漲

2. lay up 儲備；暫停使用；使臥床不起

3. speculator ['spekjuleit?] n. 投機者，投機商人；思索家

4. erode [i'r?ud] v. 腐蝕，侵蝕

小貼士

fixed rate bond is a bond where the coupon's interest rate remains fixed for the entire term. it pays a pre-determined coupon.

固定利率債券是指在整個債券有效期限內，債券的息票利率保持不變的債券。它支付預決息票。

floating rate note（frn）is a bond where the coupon's interest rate is changed periodically in accordance to a specific market rate.

浮動利率債券是息票利率根據一定市場利率而發生周期性變化的債券。

zero coupon bond is a bond that is issued and sold at a discount, pays no interest and provides payment of the face value at maturity. this type of bond is rare, as the entire risk to investors is concentrated at the maturity date where the principal becomes payable.

零息債券是打折出售的到期不支付利息只支付面值的債券。這種債券很少見，因為投資者的全部風險都集中在債券到期日，即付本金的時候。