06 投資
06 投資 股票又跌了 dialogue tony looks extremely depressed in the ofi ce his colleague elly wants to know what happened. 在辦公室里，托尼看起來(lái)很沮喪。他的同事艾莉想了解怎么回事。 elly: tony, why do you look so sad? 艾莉：托尼，你怎么看上去這么難過(guò)？ tony: i'm iy bad shape. 托尼：我情況很糟糕。 elly: what has happeo you? you were all right yesterday. 艾莉：怎么了？你昨天還好好的呀。 tony: didn't you read the his m? the overall stock market is losing money. share prices have been at an all-time low, almost crashed. what's worse, i've got all my money in stocks and shares. 托尼：你沒(méi)有看今天早上的新聞嗎? 整個(gè)股市都在跌。股價(jià)跌到了最低點(diǎn)，幾乎要崩盤了。更糟糕的是我把所有的錢都投在股票上了。 elly: stocks, stocks, stocks…some things never ge! 艾莉：股票、股票，又是股票。江山易改，本性難移！ tony: yeah, i plao i in stocks to make a quick buck. but i am not always a lucky dog. 托尼：是，我原打算炒股，盡快賺點(diǎn)錢花，但是我并非總是個(gè)幸運(yùn)兒。 elly: e on! there are no pies dropping from the sky. and you 't bee warren buffett called the sage of omaha. what we have to do now is just to work harder than before. 艾莉：好了。天上不會(huì)掉餡餅的，而且你也不會(huì)成為“股神”巴菲特。我們現(xiàn)在要做的就是比以前更努力地工作。 tony: yeah, that's the truth. 托尼：是呀，那才是真理。 notes 1. lose money 虧本，虧損；賠錢 2. all-time [??:ltaim] adj. 空前的；全時(shí)工作的 3. crash [kr??] v. 撞擊，墜毀；崩潰，破產(chǎn)；n. 轟隆聲，猛撞；崩潰，垮臺(tái)；adj. 速成的 4. make a buck 掙錢 5. lucky dog 幸運(yùn)兒 6. sage [seid?] n.圣人，哲人；adj. 賢明的；明智的 小貼士 關(guān)于股票跌漲的常用表達(dá)： shoot up 猛漲 be trapped iock market 被套牢 shares peak at 股價(jià)達(dá)到高點(diǎn) the price collapses 股價(jià)崩盤 the price falls / goes down 股票下跌 shares recover 股價(jià)回升 go into steady dee 股價(jià)穩(wěn)步下跌 share price is marginally up 股價(jià)微升 shares are up slightly by 0.9 dollar 股價(jià)上升0.9美元 speculate in stocks 炒股 pull out 撤出股市 什么是“牛市”和“熊市”？ “牛市”就是 a bull market，指的是 a situation in which share prices are rising. bull的意思是“買進(jìn)股票等待價(jià)格上漲以圖謀利者；哄抬證券價(jià)格的人”。“熊市”就是 a bear market，指的是 a situation in which share prices keep falling. bear的意思是“賣空者，做空頭者，拋售股票或期貨希望造成價(jià)格下跌的人”。 這期彩票能中嗎 dialogue as soon as eric arrives at the office, he break a piece of big news. 埃里克一到辦公室，就爆出了一條大新聞。 eric: hey, helen. did you see the big news yesterday? a lottery holder from zhejiang province may have hit 514 million yuan jackpot. 埃里克：嘿，海倫。你看到昨天的頭條新聞了嗎？一個(gè)浙江的彩民中了頭獎(jiǎng)5.14億。 helen: really? it sounds very amazing. 海倫：真的？聽(tīng)起來(lái)很令人驚訝。 eric: yeah, the news reported that he won the jackpot from two tickets on tuesday and the prize has set a new record, being the try's biggest jackpot to date. how i wish i had hit a lottery ticket! 埃里克：是呀，新聞報(bào)道說(shuō)他是在周二購(gòu)買的兩張彩票，中獎(jiǎng)金額已經(jīng)刷新了中國(guó)彩票的中獎(jiǎng)紀(jì)錄，成為歷史上最大的頭獎(jiǎng)。我多么希望我也能中張彩票??！ helen: i have. last week i won a lottery ticket for a prize of 5000 yuan. 海倫：我中過(guò)。上星期我中了一張彩票，獎(jiǎng)金5000元。 eric: ah, how did you do that? why couldn't i? 埃里克：啊，你是怎么中獎(jiǎng)的呢？為什么我總是中不了？ helen: the secret to win a lottery ticket is believing your choid your feeling of numbers is also very important. 海倫：買彩票中獎(jiǎng)的秘密就在于，要相信你自己的選擇，而且對(duì)號(hào)碼的感覺(jué)也是非常重要的。 eric: so if i always e across the number 9868, it's likely to win a lottery ticket with the number 9868? 埃里克：那么如果我總是遇到9868這個(gè)號(hào)碼，去買號(hào)碼為9868的彩票就很可能中獎(jiǎng)嘍？ helen: that's what i mean. miracles happen every day. you may be on a roll. 海倫：就是那意思。奇跡每天都會(huì)發(fā)生哦。也許你會(huì)交上好運(yùn)的。 notes 1. lottery ['l?t?ri] n. 彩票；碰運(yùn)氣的事 2. jackpot ['d??k?p?t] n.（彩票等）頭獎(jiǎng)，累積賭注 3. to date 迄今為止 4. miracle ['mir?kl] n. 奇跡；令人驚奇的人或事 5. on a roll 接踵而至的成功；好運(yùn)連連 小貼士 在我國(guó)，lottery tickets（彩票）是為福利事業(yè)和體育發(fā)展籌措資金而開(kāi)辦的，據(jù)稱，彩票得主應(yīng)交納獎(jiǎng)金20%的所得稅。為了沾沾喜氣，兌出巨獎(jiǎng)的lottery booth（彩票站）也人滿為患。中頭彩可以說(shuō)成hit the jackpot，兌獎(jiǎng)可以說(shuō)成claim the prize。福利彩票可用welfare lottery來(lái)表達(dá)，主要用于國(guó)家的charitable causes（慈善事業(yè)）；體育彩票可用sports lottery來(lái)表達(dá)，是為籌集體育事業(yè)發(fā)展資金發(fā)行的，主要用于國(guó)家的sports causes（體育事業(yè)）。 保險(xiǎn)不可少 dialogue tony and kevialking about buying insuran the offic. 托尼和凱文正在辦公室里討論保險(xiǎn)的事。 tony: i've just take out an insurance policy. are you insured? 托尼：我剛領(lǐng)到了保險(xiǎn)單。你買保險(xiǎn)了嗎？ kevin: what insurance? our pany has offered us retirement insurance, medical insurand unemployment insurance, doesn't it? 凱文：什么保險(xiǎn)？我們公司不是已經(jīng)給我們買了養(yǎng)老保險(xiǎn)、醫(yī)療保險(xiǎn)和失業(yè)保險(xiǎn)了嗎？ tony: yeah, but are you sure you have purchased enough insurance for you and your family? i took out a life insurance polid make my wife beneficiary. i o make sure that my wife will be financially secure if i die. 托尼：是的，但是你確信你已經(jīng)為你和你的家人買了足夠的保險(xiǎn)嗎？我買了份人壽保險(xiǎn)，受益人是我的太太。如果我死了，我要確保我的太太有足夠的經(jīng)濟(jì)保障。 kevin: that's a good idea. 凱文：你的想法不錯(cuò)。 tony: i terminate my life insurance policy when i retire and use the money as a pension. that's one of the ditions of my policy. 托尼：我退休時(shí)可以不用再交人壽保險(xiǎn)費(fèi)用，拿那筆錢做養(yǎng)老金。這是我的保單上的一個(gè)條件。 kevin: oh, i see. i think i also have to sider an insurany family. 凱文：哦，我明白了。我覺(jué)得我也要為我的家人買份保險(xiǎn)了。 tony: that's true. here, call my agent. he'll give you a good deal. 托尼：是啊。給你這個(gè)，你可以給我的代理人打電話，他會(huì)給你一個(gè)合理的價(jià)錢。 notes 1. take out 帶……出去；除掉；辦理；（on）對(duì)……發(fā)泄 2. retirement insurance 養(yǎng)老保險(xiǎn) 3. medical insurance 醫(yī)療保險(xiǎn) 4. unemployment insurance 失業(yè)保險(xiǎn) 5. beneficiar [?beni'fi??ri] n.受惠者，受益人 6. termi?:mi] v. 結(jié)束，終止，滿期；達(dá)到終點(diǎn) 7. pension ['pen??n] n. 養(yǎng)老金，退休金；撫恤金；（歐洲等地的）私人小旅店；v. 發(fā)退休金 小貼士 各種“保險(xiǎn)”的說(shuō)法： endowment insurance / retirement insurance 養(yǎng)老保險(xiǎn) medical insurance / hospitalization insurance 醫(yī)療保險(xiǎn) unemployment insurance 失業(yè)保險(xiǎn) employment injury insurance 工傷保險(xiǎn) childbirth insurance 生育保險(xiǎn) act insurance 意外保險(xiǎn) act death insurance 意外死亡保險(xiǎn) death insurance 死亡保險(xiǎn) earthquake insurance 地震保險(xiǎn) health insurance 健康保險(xiǎn) life insurance 人壽保險(xiǎn) national health insurance 國(guó)民健康保險(xiǎn) social insurance 社會(huì)保險(xiǎn) 債券理財(cái)知多少 dialogue steves ja his way to the pany. they are talking about how to make money begets money. 史蒂文在去公司的路上遇到了杰克。他們正在討論怎樣讓錢生錢。 steven: now the prices are skyrocketing,so i plan to make personal iment to lay up some money for the future. 史蒂文：現(xiàn)在物價(jià)飛漲，我打算做些投資為將來(lái)存一些錢。 jack: in my opinion, savings, stocks and bonds are good alternatives for iment. 杰克：在我看來(lái)，儲(chǔ)蓄、股票和債券都是很好的投資選擇。 steven: yeah, but i would not like to be a speculator iock market. i may lose all i have. if i put my money in a bank, it's much safer. however, after several years, it may erode the real value of my money. 史蒂文：是的，但是我不想炒股，不想做一個(gè)投機(jī)者。那樣我或許會(huì)失去一切。如果我把錢存在銀行，會(huì)比較安全。但是，幾年后，這些存款的實(shí)際購(gòu)買力會(huì)下降。 jack: quite reasonable. why don't you buy bonds? it's safe and the i is much higher than bank's. 杰克：有道理。那你為什么不買債券呢？那樣比較安全，利息比銀行儲(chǔ)蓄的利息要高很多。 steven: what's bond? i only know a little about it. 史蒂文：什么是債券？我只知道一點(diǎn)點(diǎn)。 jack: it's a certificate issued by a gover or a pany aowledging that money has beeo it and will be paid back with i. there are three kinds of bonds divided acc to the different issuers: gover bond, financial bond and corporate bond. 杰克：它是政府或公司發(fā)行的有息并償還本金的債券。按照發(fā)行主體的不同可以分為以下三種：政府債券、金融債券和公司債券。 steven: you explain these in more detail? 史蒂文：你能說(shuō)得再詳細(xì)點(diǎn)嗎？ jack: of course. but we have arrived at our pany. what about getting off work? 杰克：當(dāng)然可以。但是我們已經(jīng)到公司了。 下班后再講好嗎？ steven: ok. 史蒂文：好的。 notes 1. skyrocket ['skai?r?kit] n. 沖天火箭（煙火）；v. 使……上升；陡升，猛漲 2. lay up 儲(chǔ)備；暫停使用；使臥床不起 3. speculator ['spekjuleit?] n. 投機(jī)者，投機(jī)商人；思索家 4. erode [i'r?ud] v. 腐蝕，侵蝕 小貼士 fixed rate bond is a bond where the coupon's i rate remains fixed for the eerm. it pays a pre-determined coupon. 固定利率債券是指在整個(gè)債券有效期限內(nèi)，債券的息票利率保持不變的債券。它支付預(yù)決息票。 floating rate note（frn）is a bond where the coupon's i rate is ged periodically in accordao a specific market rate. 浮動(dòng)利率債券是息票利率根據(jù)一定市場(chǎng)利率而發(fā)生周期性變化的債券。 zero coupon bond is a bond that is issued and sold at a dist, pays no i and provides payment of the face value at maturity. this type of bond is rare, as the entire risk to iors is trated at the maturity date where the principal bees payable. 零息債券是打折出售的到期不支付利息只支付面值的債券。這種債券很少見(jiàn)，因?yàn)橥顿Y者的全部風(fēng)險(xiǎn)都集中在債券到期日，即付本金的時(shí)候。