At the moment, Steven and his wife Julia are talking about the family’s expenses.
Julia: Steven, how much would it cost to move?
Steven: About 3,000 dollars.
Julia: That’s a lot of money. Hospital bills have already made deep inroads into our savings. Do you think the rest of your salary will be enough to cover our daily expenses?
Steven: I am afraid not, Darling. Our expenses are mounting.
Julia: We have to cut back on our shopping from now on.
Steven: Don’t worry. Maybe I can find a part-time job to increase my income.
Julia: I hope so.
史蒂文：大約 3000 美元吧。
Vocabulary and Phrases 單字和片語
mount [ma?nt] v. 登上，爬上，上升
cut back on... 減低……
Key Sentences 核心句型
1 I plunked down $ 350 for a silver necklace.
我花費了 350 元買了條銀項鍊。
2 It will cost me 500 dollars to repair the car.
修理這部汽車要花費我 500 美元。
3 A great deal of his money goes for rent. 他的錢大部分用於租房子。
4 Our expenses averaged out to 35 dollars per day.
我們的支出平均每天 35 美元。
5 The cost of my lunch averaged two dollars a day.
6 My father has had to defray the cost of my education.
7 Hospital bills had made deep inroads into our savings.
8 She spent one-third of her income on clothing and cosmetics.
9 My expenditure this month amounts to $800.
這個月我花了 800 美元。
10 I spent $50 on the bike. 我花了 50 美元買下那輛自行車。
11 Income and expenditure exactly balance. 收入和支出正好相抵。
12 All this spending is a drain on the money I have saved.
13 An annual holiday is a big expense. 一年一度的假期是一筆大開銷。
14 Our monthly household expenditure is four hundred dollars altogether.
15 My wife keeps a record of our daily expenses.
16 I’d rather economize on clothes and food than travel.
17 Older people shouldn’t skimp on food or heating.
1 We have to cut back on our shopping from now on.
2 Mother always buys many things during bargain sales to save money. 為了省錢，母親總是在商品特賣時購買許多東西。
3 Jack economized by taking buses instead of taxis.
4 We save money wherever we possibly can.
5 I had to scrimp and save to pay for my holiday.
6 With our income sharply reduced, it is common sense to rein in our expenditures.
7 Unless a tight hold is kept on the purse strings, a man can soon find that his family is spending more than he is earning.
8 We have to control our expenses. 我們得控制消費。
9 We must regulate our spending. 我們必須控制我們的開銷。
10 I’m getting short of money. I have to draw in my expenditure.
11 A penny saved is a penny earned. 省錢就是賺錢。
12 Providence is better than rent. 寧可節省，不可借貸。
13 Jack is saving for a house. 傑克正在存錢準備買房。
14 He is trying to save money by walking to work.
15 To save money, we traveled second class.
16 She saves money in every way she can.
17 We are going to take the bus to save money.
18 He shopped at bargain-basement shops to save money.
19 He is saving to buy a computer. 為了買電腦，他在節省開支。
1 I’ve spent all my earnings. 我把賺的錢都花光了。
2 My husband’s weekly lunch bills exceed my monthly income.
3 My mother never withdraws her savings to buy unnecessary things.
4 Do you think the rest of your salary will be enough to cover our daily expenses? 你覺得你剩下的薪水足夠支付我們的日常開支嗎？
5 How much money do you spend each week? 你每星期花多少錢？
6 Running a car is a great expense. 開一輛汽車花費很大。
7 House repairs, holidays and other expenses reduced my bank balance to almost nothing.
8 My expenditures are restricted by my income.
9 How much would it cost to move? 搬家的開銷是多少？
10 I’m considering buying a second-hand refrigerator because I’m short of money now.
11 Our expenses are mounting. 我們的花費正在增加。
12 It’s very shortsighted not to spend money on repairing our house.
13 After defraying all the expenses, they were able to lay aside NT$10,000 each month.
14 Have you figured out the expenses? 你把開銷都算出來了嗎？
15 He is always spending. 他揮霍成性。
16 He contracted huge debts by rash spending.
17 She spends too much on clothes.
18 If you want to waste your money, that’s your business.
19 My brother flings his money about on luxuries.
20 I argued with my wife over household expenses.
21 It’s too much of an expense for me to own a car.
22 You have wasted your money on things you don’t need.
23 John gives his children the best education that money can buy.
Steven’s father Ben has advised Steven to buy a life insurance.
Now they are talking about it.
Ben: Hey, son, are you insured?
Steven: Not yet, but I’m thinking of it. Have you bought insurance, Dad?
Ben: I took out a life insurance policy and made your mother the beneficiary.
Steven: Can you tell me why you wanted to buy it?
Ben: I am a fireman, and it is a dangerous job. I have to consider your mother.
Steven: Oh, I see. Do you advise me to buy an insurance policy?
Ben: You have children now. What if something, God forbid, happens to you?
Steven: That’s true. Well, how much do you think I should get?
Ben: A $100,000 policy shouldn’t be too expensive. Here, call my agent. He’ll give you a good deal.
Vocabulary and Phrases 單字和片語
insure [?nˋ??r] v. 給……保險
beneficiary [͵b?nəˋf??ər?] n. 受惠者，受益人
fireman [ˋfa?rmən] n. 消防隊員
dangerous [ˋdendʒərəs] adj. 危險的，不安全的
forbid [fɚˋb?d] v. 禁止，阻止，不許
agent [ˋedʒənt] n. 代理人，代理商
Key Sentences 核心句型
1 He has life insurance. 他投保了人壽保險。
2 She has taken out a life insurance policy. 她辦理了人壽保險。
3 What is the sum you are insured for? 你的人壽保險額是多少？
4 Have you insured yourself? 你投保人壽保險了嗎？
（也可以這樣說：Do you have life insurance? ）
5 Would you be interested in buying life insurance?
6 I am thinking of taking out a life insurance policy.
7 It is advisable to insure your life against accident.
8 Do you mean life insurance to protect against accidents?
9 A life-insurance policy may serve as security for a loan.
10 I insured my life for£5,000. 我投保了 5000 英鎊的人壽保險。
11 I decided to buy a life insurance policy of one hundred thousand dollars. 我決定買十萬美元的人壽保險。
12 I started paying premiums on my life insurance last year.
13 I took out a life insurance policy and made my wife the beneficiary.
14 I have life insurance, and my home and its contents are also insured. 我買了人壽保險，我的家和裡面的東西也都入了保。
1 What is social endowment insurance? 什麼是社會養老保險？
2 Who provides the money for endowment insurance funds?
3 My son bought endowment insurance for me.
4 Who should be concerned about rural society endowment insurance? 哪些人應參加鄉村社會養老保險？
5 You can inquire online about endowment insurance codes.
6 Pension schemes are important in a social welfare system.
7 You will get basic retirement benefits from our company.
8 The government encourages people to save money for their old age. 國家鼓勵人民開展儲蓄性養老保險。
9 There is a consensus among citizens of the need for the establishment of an endowment insurance system for farmers.
1 Do you know how to get unemployment insurance?
2 Are you eligible for unemployment insurance?
3 You can enjoy unemployed insurance. 你可以享受失業保險的待遇。
4 Your unemployment insurance will start from the third week of your unemployment. 從你失業的第三週起，你的失業保險就開始生效。
5 According to the rules, unemployed people cannot enjoy unemployment insurance benefits if they do not actively pursue employment.
6 Given its limited coverage, the insurance program is incomplete.
7 At the end of 2000, a total of 100 million employees were covered by unemployment insurance.
截至 2000 年底，總共有一億人享有失業保險。
8 More and more people are living on unemployment insurance.
9 Unemployment insurance also extends the time a person stays out of work. 失業保險延長了失業者的待業時間。
10 We need to improve the unemployment insurance system.
11 Unemployment insurance can cover the basic living expenses of the unemployed. 失業保險可以保障失業人員的基本生活。
1 How do I pick a good medical plan? 我該怎樣選擇好的醫療保險？
2 What kind of medical insurance are you covered by?
3 Do you have health insurance? 你有參加醫療保險嗎？
4 What do our medical benefits cover? 我們的醫療保險包括哪些？
5 Nearly 30% of people are now without health insurance.
6 How much is the co-pay for this medical insurance?
7 Do you agree with the concept of mandatory health insurance?
8 Most health insurance plans do not pay for long-term care.
9 The government offers its employees excellent health insurance benefits. 政府給員工提供很好的健康醫療保險。
10 Some people receive medical coverage from large employers.
11 When employees lose their jobs, most of them lose their health insurance, too.
12 Do you have insurance, or will you be taking care of this yourself?
13 Most foreigners have insurance to pay for treatment.
14 Have you ever thought of getting medical insurance?