LTW4-Unit4

ListenThisWayBook4Unit4BriefingonTaxationandInsurancePoliciesPartIGettingreadyPartIIBriefingonpersonaltaxationPartIIIShouldIbuyaninsurancepolicy?(I)PartIVMoreaboutthetopic:ShouldIBuyanInsurancePolicy?(II)PartVDoyouknow…?PartVIIWatchandenjoyPartIGettingreadySpendingmoneywithoutaplanislikedrivingblindfolded.Whatifexpensesaregreaterthanyourincome?Abudgetisatooltohelpyoufunctionbetter.*blindfolded蒙住眼睛的A.Thefollowingwordsandthephrasewillappearinthisunit.Listencarefullyandstudythedefinitions.1.grand一千元钞票2.bonus奖金3.premium保险费4.briefing情况简介5.levy征收，索取6.opt选择7.buildingsociety建房互助协会8.allowance(免征税收的)个人收入(额)9.reverse相反的10.enforce实施（法律等）B.Listentofivesentences.Writedownthenumbersdescribedandthekeywordsthathelpyougettheanswers.Example:Youwillhear:Ourlastclaimwasfor£2,000,butthisonewillbethreetimesthat.Pleasewritedown:Keywords:2,000/threetimesAnswer:6,0008,000/half2,000/twice2,000/double8,000/aquarter4,000/similar4,0004,000~4,0002,000~4,000AudioscriptC.Listentothefollowingdialogues.Completetheexercises.*economize节省，节约Dialogueone:Completethestatements.1.Themanearnsabout______withbonusesand____ofhisincomegoesintax.2.Hiswifeworksaswellbecausethey’retryingtocleartheir_________.3.Theirmoneymainlygoesonfoodandhobbies,suchas_______andriding.Dialoguetwo:Answerthequestions.1.Whatwasstolenyesterday?______________________________2.Wasitinsured?Howdoyouknow?____________________________________________£30,00024%overdraftsailingAbrandnewvideowasstolen.Yes.Thespeakerpaidthepremiumlastweek.*透支额*保险费Dialoguethree:Completethechart.mortgageincomesavingmoneyentertainingpensionschemesinsurance*抵押贷款*养老金计划AudioscriptHomepagePartIIBriefingonpersonaltaxationInBritain,ifyouareemployedfull-time,itisyourresponsibilitytopaytax.However,itistheresponsibilityofthepersonwhoemploysyoutocalculateyourtax,deductitfromyourwagesandpayitovertotheInlandRevenue.Itiscollectedeveryweekormonthdependingonhowyougetpaid.*InlandRevenue（英国）国税局A.Thefollowingisthetransparencyforthepresentation.Listencarefullyandcompletethefollowingoutline.Payspecialattentiontothenumbers.StructureInsurancerates25%40%£3,295£5,015pension40%7%CollectionPAYE9%10%mortgageinterestrelief:National*按揭利息免税*（英国）国民保险制度B.Nowlistenagain.Completethefollowingstatements.1.Accordingtothespeaker,UKpersonaltaxationisboth____________________.2.Thenewlegislationrecentlyintroducedbythegovernmentisthatmarriedcouplescanoptfor_______________.3.Thetaxreliefona65-year-oldman’spensionis____.4.PAYEstandsfor_______________.Theschememeansthetaxiscollecteddirectfrom____________beforehemakesoutthemonthlysalarycheckorbanktransferto_______________.5.Taxableincomemeanstheincomeinwhichthedeductionand______________havebeenexcluded.theallowancetheemployeetheemployerPayAsYouEarn40%separatetaxationsimpleandrelativelylow*选择*税额减免*应税收入*扣除额*(免征税收的)个人收入(额)AudioscriptHomepagePartIIIShouldIbuyaninsurancepolicy?(I)Insuranceisawaytomakeanindividual’sfinanciallossesmoreaffordablebytransferringthemtoalargegroupofpeoplethroughanintermediarycalledaninsurancecompanyandalegalcontractcalledapolicy.*intermediary中间人*policy保险单A.Listentothedialogue.Writedownthekeypoints.Thencompletetheparagraph.*thereverseway反方向*dependents受赡养人Mr.Jacksonisinterestedintakingoutan_______________becausehe’sbeentoldthatitisagoodwayto____________.Hewouldliketohavealumpsumformovingaway,_________________orsomethinglikethatwhenheretires.buyingahousesavemoneyinsurancepolicy*一次付清的总额*办理保险手续B.Nowtrythis:listentoamoreauthenticversionofthedialogue.Answerthequestionswithkeywords.1.Accordingtotheinsurancesalesman,whatarethetwowaystodecidehowmuchoneshouldpaytobuyaninsurancepolicy?_______________________________________________________________________________________________________________________________2.Ifoneisinterestedinsavingfortwoorthreeyears,shouldhebuyalifeinsurance?Why?______________________________________________________A.afixedobjectiveinmind/howmuchtopayeachmonth.B.afixedobjectiveeachmonthinmind/howmuchtoproduceoversomeyears.No.Regular&systematic/short-term/bank/buildingsociety.AudioscriptHomepagePartIVMoreaboutthetopic:ShouldIBuyanInsurancePolicy?(II)Lifeinsuranceisanessentialpartoffinancialplanning.Thecashprovidedbylifeinsurancecanhelpyourdependentstoreduceoravoidpossibledebt.Animportantfeatureoflifeinsuranceisthatthereisnofederalincometaxonthemoneypaidtobeneficiaries.*beneficiaries受益人A.Listentothedialogue.Writedownthekeypoints.Thencompletetheparagraphandanswerthequestionwithkeywords.Accordingtotheinsurancesalesman,asMr.Jacksonisan___________manwithoutany__________,notinaself-employedposition,hehas________forthattypeoflifeinsuranceatthemoment.Questions:Whatisgoodforashop-keeperifhebuysalifeinsurance?______________________________________________________________________________________________unmarrieddependentsnoneedA.accumulatecapital/expandbusiness/endofterm.B.savingtoproduceapension.B.Nowtrythis:listentoamoreauthenticversionofthedialogue.AudioscriptHomepagePartVDoyouknow...?Manypeoplepaytaxesontheiryearlytotalamountoftaxableincomes.Rememberthatthepersonalincometaxisn