英语 英语 日语 日语 韩语 韩语 法语 法语 德语 德语 西班牙语 西班牙语 意大利语 意大利语 阿拉伯语 阿拉伯语 葡萄牙语 葡萄牙语 越南语 越南语 俄语 俄语 芬兰语 芬兰语 泰语 泰语 泰语 丹麦语 泰语 对外汉语

Listen this way听力教程第四册-5

时间:2006-10-24 16:00来源:互联网 提供网友:toad   字体: [ ]
特别声明:本栏目内容均从网络收集或者网友提供,供仅参考试用,我们无法保证内容完整和正确。如果资料损害了您的权益,请与站长联系,我们将及时删除并致以歉意。
    (单词翻译:双击或拖选)

  Unit 5. Briefing on Taxation1 and insurance Policies
Part Ⅰ Getting ready
A. The following words and phrase will appear in this unit. Listen carefully and study the definitions.
1. grand:
2. bonus:
3. premium2:
4. briefing:
5. levy3:
6. opt4:
7. building society:
8. allowance:
9. reverse:
B. Listen to five sentences. Write down the numbers described and the key words that help you get the answer.
Example: You will hear: Our last claim was for £2 000, but this one will be three times that.
Please write down: Key words: 2 000/three times
Answer: 6 000
a. We expected about eight thousand, but it was half of that.
b. We estimated about two thousand, but it's twice as much as that.
c. Her salary is about two thousand, and his is about double that.
d. We thought about eight thousand, but it's not more than a quarter of that.
e. We thouht about four thousand, and it's similiar to that.
C. Listen to the following dialogues. Complete the exercises.
Dialogue one: Complete the statements.
Dialogue one:
A: About 24% of my income goes in tax, which is quite low — I don't know how they manage in places where tax rates are higher. I have a good job — I suppose I earn about thirty grand with bonuses, but I wouldn't say that we were well-off. We can't afford to run two cars. The cost of living is very high here.
B: Does your wife work?
A: She does at the moment. We're trying to clear our overdraft5, and there isn't a lot left over. We do spend a lot on food, but then we are a big family — it's difficult to economize6. We spend very little on holidays, we usually go camping, which the children prefer anyway. We did go abroad for a week last year but that was exceptional. I don't know where the money goes. We don't often go out.
B: What about hobbies?
A: I'm keen on sailing, but it's an expensive pastime. We do spend a bit on the children, Angela loves riding, but we're careful, we have to be.
Dialogue two:
A: We were broken into yesterday. They took the video. It was brand new.
B: oh no,what was it worth?
A: About £300.
B: I hope you're insured.
A: Yes, luckily I paid the premium last week. But I'll have to make a claim. It's a real nuisance.
B: Are you covered for electrical goods?
A: I assume so. I'll check — I have to call them to get a claim form.
Dialogue three:
A: His commitments are very similiar to mine. We both have a family to support and a mortgage to pay. My guess is that his income is about the same as mine. I don't understand how he can afford a cottage in the country.
B: He probaly borrowed the money. Your basic situation may be similiar to his but he's very different from you. He never saves a penny. I bet you invest far more than he does in pension schemes, and so on. For example, how much do you spend on insurance per year?
A: That's my business.
B: OK, let's say it's three thousand, including life insurance.
A: It isn't nearly as much as that!
B: Maybe not, but the point is that he probably spends twice as much as that just on entertaining.
Part Ⅱ Briefing on personal taxation
A The following is the transparency for the presentation. Listen carefully and complete the following outline. Pay special attention to the numbers.
Good afternoon, ladies abd gentlemen. What I'd like to do essentially7 is to answer two questions. Firstly, how is personal taxation structured in the UK? And secondly8, how is it levied9?
So, if you take a look at this transparency, you'll see that, contrary to popular opinion, UK personal taxation is both simple and relatively10 low. There are two rates: 25% on taxable income up to £23700, and 40% on income above this figure. You'll notice I say taxable income, as, like most countries, there are a series of deductions12 and allowances which can be taken into account before arriving at your net taxable income figure. The major one relates to the status of the individual: a single person's allowance at present stands at £3295, while a married person's allowance is currently £5015.
At this point I should mention that the goverment has recently introduced legislation which allows married couples to opt for separate taxation.
Other allowances or deductions which are common are, firstly, tax relief on private pensions. At the moment this allowable up to 17.5% of totle income, to the age of 35, rising to 40% at above 60 years old. Also the tax relief on mortgages or loans or buy a house—here there is currently 7% tax relief on the interest payable13 to the bank or Building Society.
Right, that covers the first part of my presentation, I'd now like to move on to how personal tax is levied.The Inland Revenue obliges employers to operate a PAYE(Pay As You Earn)scheme, which means the tax is deductible at source. In other words, by the employer before making out the monthly salary check or bank transfer to the employee. The tax is then collected direct from the employer. At the same time I should mention that the employer is obliged to deduct11 National Insurance from the employee's salary-the employee's contribution being roughly 9% of income, the employer's ranging from 5 to 10%. These are approximate figures as it is also income-related.
Right, ladies and gentleman, that covers the broad picture. I'm sure you'd like to ask me for some specific details.
B Now listen again. Complete the following statements.
Part Ⅲ Should I buy an insurance policy? (Ⅰ)
A Listen to the dialogue. Write down the key points. Then complete the paragraph.
J — Mr. Jackson I — Insurance salesman
J: Good morning. Er, my name is Jackson. Er, I'm interested in taking out an insurance policy. I've been told that, that this is quite a good way to save money. Is it a good way to save money? [Yes…] Is this true?
I: ...it's one of the, one of the ways of saving money.
J: Erm... I haven't got very much money, erm, I don't earn very much. What... how much would I have to pay for this, if I, if I (take)...
I: As little or as much as you like to pay. How much had you in mind, in fact?
J: Well, erm… er, I don't really know anything about it. What's… how much does one pay?
I: Well, you can work it in two ways. You either sort of aim at a fixed14 objective, say, a straight thousand pounds policy. In other words, you have your object in mind and you want to know how much it's going to cost you. Alternatively, you can work the reverse way, where you say "I would like to save two five pounds a month, over so many years. What would this produce for me?
J: I see. And this thousand pounds, I get it... when I die... or else at a certain age, is that right?
I: Well, this would depend entirely15 upon your needs. Now, are you in fact a single man or married?
J: No, I'm unmarried.
I: You are unmarried. Erm, have you any dependents at all?
J: Well...
I: F, for example, you have an … dependent mother, or dependent sisters or brothers?
J: Not dependent, no. Mm. But I suppose as time goes on, they may become more dependent, er [Mm]
J: It's difficult to say.
I: There's always a possibility, I presume, that you may get married at some stage in the future.
J: Quite. Yes. Yes.
I: Uh-huh, erm... so I take it that your main interest in life insurance is, in fact, as you say, in saving money? Is this right?
J: Yes, that's, that's the main thing. [Now…] One doesn't think about death so very much.
I: What sort of object in saving would you have? I mean, why do you feel that you want to save money?
J: Well, I think that at a certain age, erm, I haven't decided16 what age it would be, it would be nice to have a, a lump sum. I suppose for example, when I retire, it would be nice to have a lump sum for moving away or, erm, buying a house or doing something like that. [Yes] Erm... I suppose sixty, sixty-five, I, I don't really know. Or is it possible to have it earlier than that?
I: Yes, indeed, you can take any sort of saving scheme, erm, over a period of years, ranging from ten upwards17. A life insurance is absolutely no good for short-term savings18. When I say short-term, I mean any period up to ten years. [Yes] If you're interested in saving, say for two or three years then, in fact, you want to use something like a Bank or a Buildig Society. Erm [Oh,I see]... Life Insurance works more as a system of saving over long term...ten plus years... [Yes]... erm...because it is regular and it is systematic19.
B Now try this: listen to a more authentic20 version of the dialogue. Answer the questions with key words.
Part Ⅳ More about the topic: Should I Buy an Insurance Policy? (Ⅱ)
A Listen to the dialogue. Write down the key points. Then complete the paragraph and answer the question with key words.
J — Mr. Jackson I — Insurance salesman
J: Erm. From your experience, can you say what, what age it is that people normally ... like to have a, a lump sum?
J: Fifty or something like that?
I: Varies entirely according to their needs, I mean, if you take someone in er, a self-employed position, say a shop-keeper ... [Yes] Erm ...
J: He would want to develop his business, perhaps, at a certain (time).
I: Yes, I mean he, he, he may, he may well have two needs. One, he may be ... he will want to accumulate money over a fairly short term, say fifteen years, [Mm] so that at the end of fifteen years he has the capital, and by that stage, he will have the experience from working in a business to expand it, [Yes] Alternatively, his second need may be something in (th) need of... a pension. [Yes] He, unlike employees, hasn't got a compulsory21 pension scheme, and he may want a system of saving which is going to produce for him a pension when he feels he would like to retire.
J: Yes. So, er, I suppose in my case, I'm not, not self-employed, perhaps it might be something like … er … the needs of the children at a certain age. I mean, children who are coming into adolescence22, for example…
I: Yes. Mm…
J: They, they have a lot of needs then. Clothing, perhaps education, er, [Yes. Ind ...] this sort of thing.
I: Indeed. When you get married you will find that, you know, a number of needs come up to do with life insurance, erm, on what we call the life cover side. [Yes] Erm, in other words, the amount ... that ... your wife and children would receive from an insurance company in the event of your dying. [Yes] But, at the moment, as a single man, you have no need for this type of policy, you see; and any ... savings scheme ...
B Now try this: listen to a more authentic version of the dialogue.
Part Ⅴ Do you know ...?
Listen to the conversation. Decide whether the statements are true or false. Put "T" or "F" in the brackets.
A: How do prices in Iceland compare with those in the UK? I've heard that it's an expensive country.
B: Yes, it always has been, but at the moment the pound is quite strong against the krona, so things like eating out in restaurant and staying in hotels are cheaper than they used to be. But eating out is still quite expensive, and drinks cost about twice as much as they do in the UK — a bottle of wine in a restaurant is extremely expensive. But I don't mind paying the prices — the fish is fantastic as you would expect and the lamb is wonderful. Food in the shops is still expensive, probably on average about one and half times more expensive than in the UK.
A: Do you manage to get out much, or do you spend all of your time working when you're there?
B: I try to get out and see as much of the country as possible, yes. I like to go fishing when I have the chance — Iceland is a great place for fishing. Last time I was there I did actually manage to find time to drive up to the fishing port at Akrances, I'm not sure how you pronounce it, from Reykjavik. I went out on a boat and caught quite a lot of fish, for once — mainly cod23 and haddock. To get to Akrances you have to drive past some fantastic mountain scenery. You really should go to Iceland if you have the chance. I don't know anywhere else like it.


点击收听单词发音收听单词发音  

1 taxation tqVwP     
n.征税,税收,税金
参考例句:
  • He made a number of simplifications in the taxation system.他在税制上作了一些简化。
  • The increase of taxation is an important fiscal policy.增税是一项重要的财政政策。
2 premium EPSxX     
n.加付款;赠品;adj.高级的;售价高的
参考例句:
  • You have to pay a premium for express delivery.寄快递你得付额外费用。
  • Fresh water was at a premium after the reservoir was contaminated.在水库被污染之后,清水便因稀而贵了。
3 levy Z9fzR     
n.征收税或其他款项,征收额
参考例句:
  • They levy a tax on him.他们向他征税。
  • A direct food levy was imposed by the local government.地方政府征收了食品税。
4 opt a4Szv     
vi.选择,决定做某事
参考例句:
  • They opt for more holiday instead of more pay.他们选择了延长假期而不是增加工资。
  • Will individual schools be given the right to opt out of the local school authority?各个学校可能有权选择退出地方教育局吗?
5 overdraft 3m3z5T     
n.透支,透支额
参考例句:
  • Her bank warned that unless she repaid the overdraft she could face legal action.银行警告她如果不偿还透支钱款,她将面临诉讼。
  • An overdraft results when a note discounted at a bank is not met when due.银行贴现的支票到期而未能支付就成为透支。
6 economize Sr3xZ     
v.节约,节省
参考例句:
  • We're going to have to economize from now on. 从现在开始,我们不得不节约开支。
  • We have to economize on water during the dry season. 我们在旱季不得不节约用水。
7 essentially nntxw     
adv.本质上,实质上,基本上
参考例句:
  • Really great men are essentially modest.真正的伟人大都很谦虚。
  • She is an essentially selfish person.她本质上是个自私自利的人。
8 secondly cjazXx     
adv.第二,其次
参考例句:
  • Secondly,use your own head and present your point of view.第二,动脑筋提出自己的见解。
  • Secondly it is necessary to define the applied load.其次,需要确定所作用的载荷。
9 levied 18fd33c3607bddee1446fc49dfab80c6     
征(兵)( levy的过去式和过去分词 ); 索取; 发动(战争); 征税
参考例句:
  • Taxes should be levied more on the rich than on the poor. 向富人征收的税应该比穷人的多。
  • Heavy fines were levied on motoring offenders. 违规驾车者会遭到重罚。
10 relatively bkqzS3     
adv.比较...地,相对地
参考例句:
  • The rabbit is a relatively recent introduction in Australia.兔子是相对较新引入澳大利亚的物种。
  • The operation was relatively painless.手术相对来说不痛。
11 deduct pxfx7     
vt.扣除,减去
参考例句:
  • You can deduct the twenty - five cents out of my allowance.你可在我的零用钱里扣去二角五分钱。
  • On condition of your signing this contract,I will deduct a percentage.如果你在这份合同上签字,我就会给你减免一个百分比。
12 deductions efdb24c54db0a56d702d92a7f902dd1f     
扣除( deduction的名词复数 ); 结论; 扣除的量; 推演
参考例句:
  • Many of the older officers trusted agents sightings more than cryptanalysts'deductions. 许多年纪比较大的军官往往相信特务的发现,而不怎么相信密码分析员的推断。
  • You know how you rush at things,jump to conclusions without proper deductions. 你知道你处理问题是多么仓促,毫无合适的演绎就仓促下结论。
13 payable EmdzUR     
adj.可付的,应付的,有利益的
参考例句:
  • This check is payable on demand.这是一张见票即付的支票。
  • No tax is payable on these earnings.这些收入不须交税。
14 fixed JsKzzj     
adj.固定的,不变的,准备好的;(计算机)固定的
参考例句:
  • Have you two fixed on a date for the wedding yet?你们俩选定婚期了吗?
  • Once the aim is fixed,we should not change it arbitrarily.目标一旦确定,我们就不应该随意改变。
15 entirely entirely     
ad.全部地,完整地;完全地,彻底地
参考例句:
  • The fire was entirely caused by their neglect of duty. 那场火灾完全是由于他们失职而引起的。
  • His life was entirely given up to the educational work. 他的一生统统献给了教育工作。
16 decided lvqzZd     
adj.决定了的,坚决的;明显的,明确的
参考例句:
  • This gave them a decided advantage over their opponents.这使他们比对手具有明显的优势。
  • There is a decided difference between British and Chinese way of greeting.英国人和中国人打招呼的方式有很明显的区别。
17 upwards lj5wR     
adv.向上,在更高处...以上
参考例句:
  • The trend of prices is still upwards.物价的趋向是仍在上涨。
  • The smoke rose straight upwards.烟一直向上升。
18 savings ZjbzGu     
n.存款,储蓄
参考例句:
  • I can't afford the vacation,for it would eat up my savings.我度不起假,那样会把我的积蓄用光的。
  • By this time he had used up all his savings.到这时,他的存款已全部用完。
19 systematic SqMwo     
adj.有系统的,有计划的,有方法的
参考例句:
  • The way he works isn't very systematic.他的工作不是很有条理。
  • The teacher made a systematic work of teaching.这个教师进行系统的教学工作。
20 authentic ZuZzs     
a.真的,真正的;可靠的,可信的,有根据的
参考例句:
  • This is an authentic news report. We can depend on it. 这是篇可靠的新闻报道, 我们相信它。
  • Autumn is also the authentic season of renewal. 秋天才是真正的除旧布新的季节。
21 compulsory 5pVzu     
n.强制的,必修的;规定的,义务的
参考例句:
  • Is English a compulsory subject?英语是必修课吗?
  • Compulsory schooling ends at sixteen.义务教育至16岁为止。
22 adolescence CyXzY     
n.青春期,青少年
参考例句:
  • Adolescence is the process of going from childhood to maturity.青春期是从少年到成年的过渡期。
  • The film is about the trials and tribulations of adolescence.这部电影讲述了青春期的麻烦和苦恼。
23 cod nwizOF     
n.鳕鱼;v.愚弄;哄骗
参考例句:
  • They salt down cod for winter use.他们腌鳕鱼留着冬天吃。
  • Cod are found in the North Atlantic and the North Sea.北大西洋和北海有鳕鱼。
本文本内容来源于互联网抓取和网友提交,仅供参考,部分栏目没有内容,如果您有更合适的内容,欢迎点击提交分享给大家。
------分隔线----------------------------
TAG标签:   listen  way  听力  教程  第四册  listen  way  听力  教程  第四册
顶一下
(1)
100%
踩一下
(0)
0%
最新评论 查看所有评论
发表评论 查看所有评论
请自觉遵守互联网相关的政策法规,严禁发布色情、暴力、反动的言论。
评价:
表情:
验证码:
听力搜索
推荐频道
论坛新贴