大学英语自学教程 上册 un13

[04:35.75]Yet these three reasons for not discussing insurance provide three excellent reasons:
[04:40.99]然而,这三个不谈论保险的理由恰恰是
[04:46.22]why we should learn more about it.
[04:48.55]为什么我们应该更多地了解保险的极好理由.
[04:50.87]Insurance is expensive.
[04:53.41]保险很贵,
[04:55.94]In a lifetime,many of us spend as much on insurance as we do on the purchase of a home.
[05:00.66]我们很多人一生中花在买保险上的钱和买房的钱一样多.
[05:05.37]If we are to spend our money, intelligently,
[05:08.15]如果我们想花钱花得明智,
[05:10.94]we need information about the products and services available.
[05:14.27]就需要了解关于现有产品及服务的信息.
[05:17.60]We don't depend entirely on salespeople when we buy a car
[05:21.18]我们并不完全依赖销售人员.
[05:24.75]a house, or a suit of clothes.
[05:27.59]当我们买车,购房,添置衣物时,
[05:30.42]Neither should we depend entirely on the agent when we buy insurance.
[05:34.15]同样,买保险时我们也不应完全依赖代理 人.
[05:37.87]We need a basic knowledge of insurance coverages if we are to be intelligent consumers.
[05:42.19]如果想做明智的消费者,我们就须掌握保险险别的基本知识.
[05:46.51]The intelligent consumer look problems in the face.
[05:50.20]聪明的顾客能正视问题.
[05:53.88]Although accident, illness, and death are not pleasant subjects,
[05:57.67]虽然事故,疾病和死亡不是令人愉快的事情,
[06:01.46]each of us knows we face these possibilities.
[06:04.70]但每个人都知道我们面临着这些可能性.
[06:07.93]It is better that we plan for these situations by finding means to deal with them
[06:12.01]我们对联这些情形作出计划,找到应付它们的方法,
[06:16.08]than to just hope that they will somehow go away.
[06:19.27]这就比仅仅希望这些厄运能远离我们要好得多.
[06:22.46]Although insurance can be complex,
[06:25.33]虽然保险是复杂的,
[06:28.21]its basic conceptsare neither difficult nor impossible to learn.
[06:31.93]但其基本概念并不困难,也并非学不会.
[06:35.65]Quite the opposite.
[06:37.78]相反,
[06:39.91]Insurance fundamentals can be understood by those willing to study them.
[06:43.94]那些愿意学习的人就能理解保险的基本原理.
[06:47.98]Serious study provides knowledge.
[06:50.96]经过认真的学习才能得到知识.
[06:53.94]The study of insurance is an effectiveproven method of dealing with the insurance ignorance faced
[06:58.91]学习保险是解决许多美国家庭面临的保险无知的一种办法,
[07:03.89]by many American families.
[07:06.32]这种办法是行之有效和经过实践验证了的.
[07:08.75]Text B
[07:11.62]What Is Money and What Are Its Functions?
[07:14.25]什么是货币及它有些什么功能
[07:16.87]Money is something you've been familiar with through out your life.
[07:19.41]货币是你一生都熟悉的东西.
[07:21.94]In fact, you may already consider yourself an expert on the subject.
[07:24.97]事实上,你也许已经认为自己是这个问题的专家了.
[07:28.00]You regularly use money to measure the value of things you own.
[07:30.82]你经常用货币衡量你拥有的财产.
[07:33.64]You also have some of it in your pocket and in bank accounts.
[07:36.37]你在口袋里,银行账户上也有一定数量的货币.
[07:39.10]It might surprise you to learn
[07:40.88]如果你听说经济学家
[07:42.65]that there's a great deal of disagreement among economists about what money is and how to measure it.
[07:46.43]关于什么是货币及如何 衡量它有许多争议,你可能会很惊讶.
[07:50.20]Money serves a number of functions,
[07:52.24]货币有很多功能,
[07:54.28]and any definition of money must consider all of its functions.
[07:57.17]任何关于货币的定义都必须考虑它所有的功能 .
[08:00.05]The four major functions of money
[08:02.02]货币的四大功能是:
[08:04.00]are as a medium of exchangea standard of value,
[08:05.98]交换的媒介,价值的标准,
[08:07.97]a standard of deferred payment, and a store of value.
[08:11.94]延期付款的标准和价值的储存手段.
[08:15.91]A Medium of Exchange.
[08:17.63]交换的媒介.
[08:19.36]As a generally accepted medium of exchange,
[08:21.64]作为一个被广泛接受的交换媒介,
[08:23.93]money rules out the need for barter,
[08:25.90]货币排除了物物交换,
[08:27.87]the direct exchange of one item for another.
[08:30.25]即一个物品与另一个物品直接交换的必要性.
[08:32.63]Barter is a very inconvenient means of trading