投资项目
    01 have you insured your life?
    你投人寿保险了吗？
    常用单词
    insure [?n'???(r)] v. 确保，保证，为……保险
    life [la?f] n. 寿命，生活，生存
    学学这样说
    1. are you insured? 你买保险了吗？
    2. what is the sum insured? 投保金额是多少？
    3. do you have any interest in buying one life insurance? 你有兴趣买一份人寿保险吗？
    4. do you mean a life insurance policy is against accidents?
    你的意思是人寿险是预防事故的吗？
    补充短语
    life insurance 人寿保险
    02 i took out a life insurance policy and made my wife the beneficiary.
    我买了一份人寿保险，我的妻子是受益人。
    解析 ▲ 表述“办理保险”时常用短语take out。beneficiary指“受惠者，（遗嘱的）受益人”。
    学学这样说
    1. i am thinking of taking out a life insurance policy. 我正在考虑买一份人寿保险。
    2. i insured my life for ￡5,000. 我投保了5,000英镑的人寿保险。
    3. i decide to buy a life assurance of one hundred thousand us dollars.
    我决定买十万美元的人寿保险。
    4. i paid premiums on my life insurance last year. 我去年付了人寿保险费。
    5. i have life insurance and my house is also insured.
    我买了人寿保险，我的房子也入了保。
    应用对话
    steven: have you bought a life assurance, dad?
    ben: i took out a life insurance policy and made your mother the beneficiary.
    史蒂文：爸爸，你买人寿保险了吗？
    本：我买了份人寿险，受益人是你母亲。
    03 you can inquire endowment insurance code online.
    你可以上网查询相关的养老保险法规。
    常用单词
    endowment [?n'da?m?nt] n. 养老保险，捐赠，捐助
    insurance [?n'???r?ns] n. 保险，保险费
    学学这样说
    1. what is social endowment insurance? 什么是社会养老保险？
    2. pension system is an important social system. 养老保险制度是一项重要的社会制度。
    3. the state encourages personal savings for old age.
    国家鼓励开展个人储蓄性养老保险。
    补充短语
    pension system 养老保险制度，退休金体系
    04 what source does endowment insurance fund have?
    养老保险基金有哪些来源？
    学学这样说
    1. endowment insurance is not only a placebo. it really matters to everyone.
    养老保险不仅仅是一种心理安慰，它对每个人都至关重要。
    2. you will get basic retirement benefits from our company.
    退休后你就能从公司得到基本养老保险金。
    3. my son bought endowment insurance for me. 我儿子给我买了养老保险。
    4. fund your retirement. and don't withdraw it.
    要交你的养老保险，不要撤回。
    补充短语
    endowment insurance 养老保险
    05 according to the rule, unemployed personnel cannot enjoy unemployed insurance treatment under the circumstance of active abdication.
    依据规定，失业人员在主动辞职的情况下不能享受失业保险待遇。
    解析 ▲ under the circumstance of意为“在……的情况下”，与之类似的表达为in the case of。此外，under any circumstance指“在任何情况下，无论如何”。
    学学这样说
    1. her unemployment insurance will inure from the third week of her being out of work. 她的失业保险将从失业的第三周起生效。
    2. given its limited coverage, the insurance program is incomplete.
    该保险计划目前因覆盖面窄而并不完备。
    3. unemployment insurance extends the time when a person stays off the job.
    失业保险延长了劳动者的待业时间。
    4. the unemployment insurance system needs to be improved.
    需要完善失业保险制度。
    应用对话
    steven: are you eligible for unemployment insurance?
    ben: i'm afraid not. according to the rule, unemployed personnel cannot enjoy unemployed insurance treatment under the circumstance of active abdication.
    史蒂文：你有资格享受失业保险吗？
    本：恐怕没有。依据规定，失业人员在主动辞职的情况下不能享受失业保险待遇。
    06 unemployment insurance can guarantee basic livelihood of laid-off personnel.
    失业保险可以保障失业人员的基本生活。
    语法tips
    英语中表达“解雇”有多种方法，其中较为常见的包括：dismiss，fire，sack，downsize（裁员），lay off（通常指因工作岗位不足而辞退），give sb the sack/boot/ bucket，get the axe（被解雇）。
    常用单词
    unemployment ['?n?m'pl??m?nt] n. 失业，失业率
    guarantee ['g?r?n'ti:] v. 保证，担保
    学学这样说
    1. do you know how to get unemployment insurance? 你知道如何得到失业保险吗？
    2. you can enjoy unemployed insurance treatment. 你可以享受失业保险的待遇。
    3. at the end of 2000, a total of 100 million employees were covered by unemployment insurance. 截止2000年底，有失业保险的职工达到一亿人。
    4. some people are living on unemployment insurance.
    一些人靠失业保险金生活。
    07 do you agree to mandatory health insurance?
    你是否赞成强制医疗保险？
    解析 ▲ 词组agree to sth指“同意，赞成”，此外，agree的其他用法还有agree to do（同意做）╱agree on（对某事有同样看法）╱agree with（同意某人的意见，与……相符）。
    常用单词
    mandatory ['m?nd?t?r?] adj. 强制的，托管的
    health [helθ] n. 健康，卫生
    学学这样说
    1. how do i choose the medical plan? 我怎样选择医疗保险？
    2. what do our medical benefits cover? 我们的医疗保险包括哪些？
    3. do you have insurance, or will you take care of this yourself?
    您有医疗保险，还是药费自理呢？
    4. do you have health insurance? 您有医疗保险吗？
    5. have you ever thought of getting medical insurance? 您是否想过购买医疗保险？
    6. what kind of medical insurance are you covered by? 你享有哪种医疗保险？
    7. how much is the co-pay for this medical insurance? 这种医疗保险的自付率是多少？
    08 nearly 30% of people now have no health insurance.
    近30%的人现在没有医疗保险。
    解析 ▲ 副词nearly意为“几乎，差不多”，该句中nearly还可以用about/almost/ approximately/practically来代替。
    学学这样说
    1. most health insurance plans do not pay for long-term care.
    大部分医疗保险不会支付长期的疗养费用。
    2. the company offers its employees excellent health insurance benefits.
    该公司给员工提供很好的健康医疗保险。
    3. many people can receive medical coverage from their employers.
    许多人都能从雇主那里得到医疗保险。
    4. when employees lose their jobs, most of them lose their health insurance too. 一旦员工们丢了工作，多数也同时丢掉了其医疗保险。
    5. most foreigners have insurance to pay for medical treatment.
    大部分外国人都用保险来付治疗费用。
    补充短语
    health insurance/medical coverage 医疗保险
    09 i want to try my hand at stocks.
    我想试着投资股票。
    学学这样说
    1. i'd like to buy a stock. 我想买股票。
    2. by the way, what is the offering price? 顺便问一下，发行价是多少？
    3. what stock do you think will be the best to invest in this year?
    你认为今年投资哪只股票最好呢？
    4. what are the most popular stocks? 哪些股票最抢手？
    5. hum, i will take it at current price. 嗯，我按现价买入。
    随机测验
    do you mean ______ i have to buy at current price?
    a. that b. which c. what d. as
    翻译
    你的意思是我只能现价买入吗？
    答案：a
    提示：及物动词mean后通常接that引导的宾语从句，引导词that可以省略。
    10 what stock do you want to buy and how many?
    你要买哪一支股票呢？要买多少？
    学学这样说
    1. oh, now the asking price is us$80 each share. 哦，现在卖出价是每股80美元。
    2. the offering price is near us$58. 发行价接近58美元。
    3. the difference between the asking price and the offering price is us$3.
    卖出价和发行价的价差是3美元。
    4. how much do you spend on a stock? 您投资股票花了多少钱？
    补充短语
    asking price 索价，要价
    应用对话
    broker: what stock do you want to buy and how many?
    steven: i'd like to buy 1,000 shares of dubon.
    股票经纪人：你要买哪支股票呢？要买多少？
    史蒂文：我想买1,000股的杜邦股票。
    11 the stock proves to pay poorly.
    事实证明，这是支收益很差的股票。
    解析 ▲ pay常见的意思为“付款，偿还”，而此处指“（工作、交易或投资）有……报酬，产生……利润”。
    学学这样说
    1. my boss made a big fortune on the stock market. 老板在股市中发了大财。
    2. these shares have brought in good returns. 这些股票带来了很好的收益。
    3. those oil shares are a good investment. 那些石油股票是有利可图的投资。
    4. stockbrokers benefit a lot from stock exchange. 股票经纪人通过股票交易获利颇丰。
    5. the stock market crash makes john bankrupt. 股票狂跌使约翰遭遇破产。
    补充短语
    make a big fortune 大发其财
    benefit from 通过……获益，受益
    12 the stock market is a place where the exchange of stocks takes place.
    股票市场是一个股票交易的场所。
    解析 ▲ take place意为“发生，举行”，其与happen的区别在于：take place一般指某事件的发生有一定原因或为事先安排的；而happen则侧重指突发性事件的发生。
    常用单词
    stock [st?k] n. 股票，股份
    place [ple?s] n. 地方，住所
    学学这样说
    1. would you give me some information about stock? 你能告诉我有关股票的一些事情吗？
    2. can you explain what the “bull” and “bear” is?
    你能给我解释一下什么是牛市，什么是熊市吗？
    3. why do prices rise or fall? 价格为何上涨、下跌呢？
    4. how can we make money in the stock market? 我们如何在股市中赚钱呢？
    5. there are so many unpredictable fluctuations on the stock exchange.
    股票市场瞬息万变。
    6. when you invest in stock market, you'll get involved into the financial world.
    如果你投资股市，你就卷入了整个金融世界。
    13 to decide which share to buy in is quite hard sometimes.
    要决定买哪一只股票有时相当困难。
    语法tips
    sometime，sometimes，some time和some times的区别：sometime意为将来或过去的“某个时候”；sometimes指“有时”；some time指“在未来的某时”时，相当于sometime，又可指“一段时间”；some times意为“几次”。
    学学这样说
    1. a bull is a situation in which share prices are rising. 牛市是股价上涨的股市。
    2. a bear is a situation in which share prices keep falling. 熊市是股价不断下跌的股市。
    3. if there are more buyers, the price will rise. 买股票的人多了，价格就会上涨。
    4. if you think the market will go up, you can buy in or hang on.
    如果你相信股价会上涨，你可以买进或者持股不动。
    5. if the price rises turn out to be true, you can sell out and make your profit.
    如果股价真的上涨了，你就可以把手里的股票卖掉来赚钱。
    补充短语
    buy in 购进（某物），加入
    14 share prices bounced back this morning.
    今天早上，股票价格回升。
    解析 ▲ bounce有“跳，反弹”之意，短语bounce back指“弹回，回升受挫后恢复原状，卷土重来”。
    学学这样说
    1. there is a quick recovery in the share price. 股票价格很快有了回升。
    2. gold shares jumped yesterday. 昨天黄金股票猛涨。
    3. stocks took a flop last week. 上周股票猛跌。
    4. stocks generally lowered in value. 股票普遍下跌。
    5. shares have gone down again by five points. 股票又降了5个点。
    6. the stock market turned down sharply. 股票市场行情急转直下。
    补充短语
    take a flop 猛然跌倒
    15 as a matter of fact, when fund managers appear on tv to talk about the stocks they like, they are usually pumping the securities they own.
    事实上，基金经理在电视上谈论他们看好的股票时，通常是在为他们自己手里的股票打气。
    语法tips
    英语中，表达“事实上”除了用短语as a matter of fact外，还可以用actually，in fact，in reality等。
    常用单词
    pump [p?mp] v. 打气，用抽水机抽
    security [s?'kj??r?t?] n. 证券，抵押品，安全
    学学这样说
    1. investing in stock market is a risk. 投资股市是一种冒险。
    2. some people use the media to create artificial buzz about a stock so as to drive up its price. 有人利用新闻媒体人为地制造有关个别股票的传闻，为的是促使股价上涨。
    3. stock market is, by definition, unpredictable.
    从定义上而言，股市本来就是不可预测的。
    4. it is usually the bull market that creates the explosion of business news, not the other way around. 通常是牛市行情才会引起大量商业新闻，而不是熊市。
    16 i've heard stories of ceos leaking important information to newspapers or reporters obviously to boost their stock.
    我听说有的执行总栽把重要的信息泄露给报纸或记者，以促使他们公司的股票价格上涨。
    解析 ▲ listen和hear都能表达“听”，其区别如下：listen强调“听”的动作，含有“倾听，留神听”的意思，且后面须跟介词to才能接宾语；而hear强调“听”的结果，表示“听到，听见”，后面可直接接宾语。
    常用单词
    leak [li:k] v. 泄露，使渗漏
    boost [bu:st] v. 宣扬，推动
    学学这样说
    1. are you considering becoming one of these millions?
    你是不是也考虑加入这数以百万计的炒股大军？
    2. i heard that this stock would go up. 我听说这支股票的价格会上涨。
    3. at least they can promote their stocks in more subtle ways than that.
    至少，他们可以用更含蓄的方式来宣传自己的股票。
    4. i hear that some people can earn money out of a bear market.
    我听说有些人在熊市也能获利。
    17 we really missed the boat on that stock investment.
    那次股票投资，我们真是错失良机。
    解析 ▲ miss the boat意为“坐失良机”，类似的表达还有let an opportunity slip，如：never let such an opportunity slip.
    学学这样说
    1. they enticed me into investing money in stocks. 他们怂恿我购买股票。
    2. i won't part with the shares on any account. 无论如何我都不放弃这些股票。
    3. i tell my stockbroker to sell the share immediately.
    我告诉我的股票经纪人马上出售股票。
    4. we should hang on to the shares until their price becomes higher.
    在股票价格升高之前，我们应当保留这些股票。
    补充短语
    entice sb into 怂恿，唆使
    on any account 无论如何
    18 they decide to participate in the financing of the new hotel.
    他们决定参与新旅馆的投资。
    常用单词
    participate [pɑ:'t?s?pe?t] v. 参加，参与，分享
    financing [fa?'n?ns??] n. 融资，供给资金
    学学这样说
    1. i am going to find a good company and invest in it. 我要找一家好公司然后投资一下。
    2. i don't like to put money just in the bank, so maybe i should try investing in property. 我不喜欢把钱放在银行里，或许我该试着投资房地产。
    3. susan decides to invest in a fast-food restaurant. 苏珊决定投资经营快餐店。
    4. my brother is doing a three-year investment plan. 我弟弟正在做一个三年投资计划。
    5. john roughed out an investment plan. 约翰草拟了一个投资计划。
    补充短语
    rough out 拟出梗概，粗制
    19 what is the minimum investment?
    最小投资额是多少？
    解析 ▲ minimum作形容词时，意为“最低的，最小的，最少的”，其反义词为maximum，意为“最大值的，最大量的”。
    学学这样说
    1. if you have some spare cash, why not invest?
    如果你手头有多余的现金，何不投资呢？
    2. what do you want to invest in? 你想投资什么？
    3. how much do you plan to invest? 你计划投资多少钱？
    4. we plan to buy a new car as an investment. 我们计划投资买一辆新车。
    随机测验
    my father can't decide whether he should invest ______ the market or put his money under his mattress.
    a. / b. in c. to d. off
    翻译
    我父亲不确定是把钱投资到市场上去还是把钱存起来。
    答案：b
    提示：invest通常与in搭配，指“在……上投资，寄希望于”。
    20 jack had invested heavily in the bond market.
    杰克在债券市场上投资了很多钱。
    常用单词
    heavily [?hev?l?] adv. 重重地，猛烈地
    bond [b?nd] n. 债券，结合
    学学这样说
    1. they dabble in stock market. 他们在股市投资了少量的钱。
    2. he embarked his fortune in trade. 他用自己的财产投资做生意。
    3. we were investing in the future when we spent money on books.
    我们花钱买书是为未来做投资。
    4. i invested all my money in real estate. 我把钱全部投资了房地产。
    补充短语
    dabble in 涉猎，浅尝（活动或体育运动）
    real estate 不动产，房地产
    21 it's vital that you understand the ins and outs of this investment scheme before you commit any money to it.
    投资前你要弄明白这项投资计划的来龙去脉，这是极为重要的。
    语法tips
    “it is+（表情绪或观点的）adj./n.+that+主语从句”结构中，主语从句要用虚拟语气，即从句谓语动词用“should+动词原形或省略should的动词原形”。如it is necessary/ important/strange/surprising/funny/a pity/no wonder等。
    学学这样说
    1. it shows that you should invest in companies, not just ideas.
    这说明你应该投资公司，而不光是一些概念。
    2. you must invest if you want to enlarge your business.
    要想使生意扩大，你必须投资。
    3. if not, stick with low-risk funds. 如果不能，还是继续投资低风险基金。
    4. a relatively fast increase in investment should be maintained.
    保持投资相对较快地增长。
    5. a broker will advise you on how to invest your money. 经纪人将和你商量怎样投资。
    补充短语
    stick with 继续做，跟着……
    22 i am afraid that it is an unsound investment.
    我担心这项投资靠不住。
    解析 ▲ unsound此处指“不可靠的，不安全的”，此外unsound还可以指“无根据的，似是而非的，谬误的”，如：the conclusion is unsound（这个结论是毫无根据的）.
    学学这样说
    1. i changed my strategy around. 我改变了我的策略。
    2. i want to find an investment with good returns. 我想找到一项高利润的投资。
    3. in my opinion, the most valuable investment parents can make is their children's education. 在我看来，父母所能做的最有价值的投资就是孩子的教育。
    4. i do not quite see the point of investing in mine. 我觉得投资矿山没什么意义。
    5. i am advised to invest in real estate. 有人建议我投资房地产。
    补充短语
    in my opinion 依我看来，据我看来
    23 it's to your advantage to invest wisely.
    明智地投资对你有利。
    解析 ▲ to one's advantage意为“对某人有利，有利于”，此外与advantage有关的常用短语还有take advantage of（利用，欺骗）。
    常用单词
    advantage [?d'vɑ:nt?d?] n. 优势，长处，有利条件
    wisely [wa?zl?] adv. 明智地，聪明地
    学学这样说
    1. now is the best time to invest. 现在是投资的最佳时机。
    2. stocks are regarded as ideal long-term investment. 股票被认为是理想的长期投资。
    3. buying a house is a large investment for many people.
    买房对许多人来讲都是一笔大投资。
    4. it's said that investment in health is investing in family happiness.
    据说投资健康，就是投资家庭幸福。
    24 it proved to be a lucrative investment.
    事实证明，这是一项有利可图的投资。
    常用单词
    prove [pru:v] v. 证明是
    lucrative ['lu:kr?t?v] adj. 赚钱的，有利可图的
    学学这样说
    1. sound investments have made us very wealthy. 稳妥的投资已使我们变得非常富有。
    2. by investing wisely she accumulated a fortune. 她由于投资精明而积累了一笔财富。
    3. i lost a bunch of money in the last two years, but the situation has been pretty good this year. 我前两年赔了一些钱，但是今年的形势很不错。
    4. she invested cleverly, and reaped a rich reward. 她聪明地投资，获取了丰厚的报酬。
    补充短语
    a bunch of 一群，一束，一堆
    25 he breaks even on the venture.
    他在那次投资中不赚也不赔。
    解析 ▲ break even意为“不盈不亏，够本”，与之类似的一个表达为make both ends meet（量入为出，出入相抵），如：i suppose we can make both ends meet this month.
    常用单词
    venture ['vent??(r)] n. 投机，风险
    学学这样说
    1. they received a poor return from their investment. 他们的投资获利甚微。
    2. i lost money for investing in the internet. 我投资因特网赔了钱。
    3. i lost a bunch of money on it this year. 我今年投资赔了一些钱。
    4. my investment is disastrous; i lost everything i owned.
    我的投资结果很惨，血本无归。