How does insurance company react in face of unpredictable care costs？

ute to the moral hazard problem of the savings association industry？ How does a risk-based insurance program solve the moral hazard problem of excessive risk-taking by FIs？

听力原文：M: This package is going to New Zealand. I want to insure it for ＄ 50.00.

W: That will be ＄ 3.50 postage and another ＄ 2.00 for the insurance, sir.

Q: How much does the man have to pay？

(17)

A．＄5.50.

B．＄ 50.00.

C．＄52.00.

D．＄ 4.50.

More than how much money comes in it's a matter of how you spend it.That's where budgeting comes in.A detailed budget helps you keep tabs on your income.There are many people who are able to live comfortably on what they earn, even if their income is modest.A budget, therefore, keeps track of income and expenses.It will segregate your fixed expenses like your food, stay and insurance and your variable expenses like your travel, entertainment, etc.

Adequate insurance for you and your family is an essential part of investing.Life, health and property insurance protect you and your loved ones from unforeseen mishaps.It is also wise to make a will so that your assets can be handled smoothly.

Good personal finance management involves investing, managing risk, insurance, understanding and handling debt and credit, knowing the value of time and money and ensuring that your retirement is taken care of.While planning you make an assessment of your present situation in relation to your goals.Managing personal finances becomes a hassle when you get into debt.Debt is what you owe, and can be good and bad.If you have borrowed money to buy property, it is an investment and the money you pay against interest on the loan is tax deductible.But running up debts like overdue credit cards is not good.This is why budgeting is very important so that you know exactly where your money is going.It is very easy to lose track of what you spend without a budget.

There are multiple ways to invest and save for the future.The crux of the matter is to keep in mind your sources of income and account for your expenses, while keeping a budget that is feasible.Periodical review keeps you in control of your personal finance.

1.The word "modest" in Para.1 probably means "____________"？

A.Honest

B.Mild

C.Average.

D.Large

2.How many ways of finance management does the author mainly mention？()

A.3

B.4

C.5

D.2

3.What's the essential part of investing for a family？()

A.Sources of income

B.Various expenses

C.Adequate insurance

D.Detailed budget

4.How does the author think of debt？()

A.It's completely bad

B.It's both good and bad

C.It's wonderful

D.It's not mentioned

5.What does this passage mainly talk about？()

A.How to manage money

B.How to spend money

C.How to invest money

D.How to loan money

听力原文：M: Hello. How can I help you？

W: I'd like to rent a car for some time.

M: We rent many different brands, types, and sizes. Do you have a preference？

W: Yes. Do you have any GM Buicks？

M: Yes. How about a red one？

W: Let me see.

M: As a matter of fact, we have two left. Both are red 2003's.

W: Great! What is the per day charge, and does that include mileage？

M: The charge is $ 67. 5 per day plus sales tax and there is no mileage charge for the first 500 miles. After that the charge is 9 cents per mile. Do you have auto insurance？

W: Yes.

M: Please be sure to fill in all asked-for information regarding your insurance coverage.

W: What if I'm in an accident？ Is the car insured？

M: Yes, it is insured. The details are on the back of the rental contract. Please read it first, and then I'll answer any question you may have.

W: Here is 140 bucks.

M: Here is the key. The car's over there. Remember to be back by 12 midnight to avoid being charged a third day.

W: Thanks.

What does the conversation say about the car the woman rented？

A．It is a red 2002 Toyota.

B．It is a green 4-wheel-drive.

C．It is a red 2003 TM.

D．It is Buick-branded.

听力原文：M: What is your expected salary？

F: Since this will be my first job, as for salary, I would leave it to you.

M: Would you accept a starting salary at ＄1 200？

F: I think it is reasonable. I will accept it.

M: Besides, you'll also enjoy life insurance and one-week paid holidays every year.

F: Mm, that sounds nice. Thank you very much.

How much does the man offer the woman？

A．＄1 200.

B．＄ 2 100.

C．＄120.

llion people are injured in these accidents; some 50,000 are killed. Auto insurance of course cannot reduce the deaths, the injuries, or the damages, and it does offer【M1】______ protection against the financial risks of auto ownership and operation. The principle decisions to be made by auto insurance buyers【M2】______ are what coverage to buy, what amounts of insurance to buy, and what agent and company to buy.【M3】______ Auto liability coverage is essential. No one should drive a car without protection against the potential high cost of lawsuits. In【M4】______ some U.S. states liability insurance is required by law. Because of【M5】______ the size of lawsuits cannot be predicted, there is no way to know in advancement how much protection will be needed. In deciding【M6】______ upon the amount, consumers should realize that the extra cost of high limits is relatively small. Double the cost of the limits, for【M7】______ example, does not double the cost of the protection. Agents should be asked the cost of several different limits for the buyer to choose among. Reasonably high amounts of liability protection should be a high priority objective. Medical payments coverage is less important than liability protection. It is most important in the states with strong and【M8】______ effective auto no-fault laws; there the mandatory PIP(Personal Injury Protection)provides sufficient coverage for medical expenses. Medical payments insurance is also necessary for people【M9】______ who has adequate health insurance protection. The minimum【M10】______ amount of medical payments insurance in the United States is $500 per person. If the protection is needed, higher amounts should be purchased.

【M1】

听力原文：M: Hello. How can I help you？

W: I'd like to rent a car for some time.

M: We rent many different brands, types, and sizes. Do you have a preference？

W: Yes. Do you have any GM Buicks？

M: Yes. How about a red one？

W: Let me see.

M: As a matter of fact, we have two left. Both are red 2003's.

W: Great! What is the per day charge, and does that include mileage？

M: The charge is $ 67.5 per day plus sales tax and there is no mileage charge for the first 500 miles. After that the charge is 9 cents per mile. Do you have auto insurance？

W: Yes.

M: Please be sure to fill in all asked-for information regarding your insurance coverage.

W: What if I'm in an accident？ Is the car insured？

M: Yes, it is insured. The details are on the back of the rental contract. Please read it first, and then I'll answer any question you may have.

W: Here is 140 bucks.

M: Here is the key. The car’s over there. Remember to be back by 12 midnight to avoid being charged a third day.

W: Thanks.

(9)

A．It is a red 2002 Toyota.

B．It is a green 4-wheel-drive.

C．It is a red 2003 TM.

D．It is Buick-branded.

How would you like to save 50% on a rental car？ Contact National Car Rental today!

You pay just half the usual rate on weekend rentals of compact cars. What a deal! But you have to hurry! This special (144) is available only for a short time.

National Car Rental also has luxury cars, trucks, and sports utility vehicles, and all are (145) with air-conditioning, a radio, and a CD player.

With offices at every major airport and in neighborhoods throughout the city, there is always a National Car Rental location close to you. Renting a car from us is easy.

Call now to reserve your (146) and be sure to ask about the 50% discount. Note that this discount does not include insurance and is only available on certain weekends. Just go to our website to find the National Car Rental office closest to you!

(44)

A．celebration

B．expansion

C．increase

D．bargain

budgeting comes in.A detailed budget helps you keep tabs on your income.There are many people who are able to live comfortably on what they earn, even if their income is modest.A budget, therefore, keeps track of income and expenses.It will segregate your fixed expenses like your food, stay and insurance and your variable expenses like your travel, entertainment, etc.

Adequate insurance for you and your family is an essential part of investing.Life, health and property insurance protect you and your loved ones from unforeseen mishaps.It is also wise to make a will so that your assets can be handled smoothly.

Good personal finance management involves investing, managing risk, insurance, understanding and handling debt and credit, knowing the value of time and money and ensuring that your retirement is taken care of.While planning you make an assessment of your present situation in relation to your goals.Managing personal finances becomes a hassle when you get into debt.Debt is what you owe, and can be good and bad.If you have borrowed money to buy property, it is an investment and the money you pay against interest on the loan is tax deductible.But running up debts like overdue credit cards is not good.This is why budgeting is very important so that you know exactly where your money is going.It is very easy to lose track of what you spend without a budget.

There are multiple ways to invest and save for the future.The crux of the matter is to keep in mind your sources of income and account for your expenses, while keeping a budget that is feasible.Periodical review keeps you in control of your personal finance.

1.The word "modest" in Para.1 probably means "____________"？

2.How many ways of finance management does the author mainly mention？

A.3

B.4

C.5

D.2

3.What's the essential part of investing for a family？

A.Sources of income

B.Various expenses

C.Adequate insurance

D.Detailed budget

4.How does the author think of debt？

A.It's completely bad

B.It's both good and bad

C.It's wonderful

D.It's not mentioned

5.What does this passage mainly talk about？

A.How to manage money

B.How to spend money

C.How to invest money

D.How to loan money