- •Введение
- •Unit 9 finance and accounting
- •The Accounting Function
- •I. Complete the sentences
- •Unit 10 the board of directors
- •Executive Directors
- •Unit 11 business decisions
- •Decision-making
- •I’ve made the decision!!! I'll have my coffee without milk this morning!
- •What we’ve learned about service
- •The seven sins of service
- •Unit 12
- •Information technology
- •New Concepts
- •Eftpos*
- •The Smart Card
- •Unit 13 stocks, shares and take-overs
- •Essential Ingredients
- •The Guinness affair
- •Take-over Bids
- •5,000,000 Ordinary shares of £1 each fully paid
- •Floor 5 Winston House, Bloomsbury, London wc2 Telephone: 071 7001000 Fax: 071 700
- •A Maxim to Follow
- •Unit 14 money and banking
- •Banking as a Business
- •Types of Accounts
- •I’m sorry Mr Merridrew, I can't take your rabbit as security for a loan.
- •Problems Facing Banks
- •Questions asked by a bank manager to a customer/client seeking a loan or overdraft
- •Queries from a customer
- •Questions and answers
- •Talk with Mr. Larkin General Director, Borodino Breweries
- •Unit 15
- •Insurance
- •History of Insurance
- •Coldstream Insurance plc
- •Stockminster Assurance Society Limited 44 High Street Stockminster sri 1aa Tel: 0022 3334444 life proposal form
- •Declaration
- •Lloyd's of London*
- •Coldstream Insurance plc Goldhawk House, Vale Road, London nw6 5jt
- •Fire Policy fm768643 b88
- •Coldstream Insurance plc Goldhawk House, Vale Road, London nw6 5jt claim form
- •Unit 16 exporting
- •Exports of Goods and Services
- •C & k Pharmaceutical Supplies plc
- •Analysis of visible trade last year by commodity
- •Analysis of visible trade last year by area
- •Riba GmbH Kirchstrasse 176,7597 Blumenfeld, Deutschland Telephone: 04.03.21.58 Fax: 04.30.22.67
- •Riba GmbH Kirchstrasse 176, 7597 Blumenfeld, Deutschland Telephone: 04.03.21.58 Fax: 04.30.22.67
- •Negotiating
- •Arranging meetings
- •Selling
- •Bankers and exporters
- •Barchester Bank plc Foreign Department Stanton House, Central Parade, Sheffield si 3by Tel 0742 396541 (ext 13) Fax 0742 667345
- •Unit 17 government and business
- •Government Income and Expenditure (%)
- •Superb opportunity for travel!
- •Библиографический список
- •1.1. Преамбула договора трехсторонней сделки
- •2. Предмет контракта, права и обязанности сторон
- •3. Качество, количество товара сдача и приемка товара, инспектирование
- •4. Действие контракта
- •5. Предшествующие переписка и переговоры
- •Образцы договоров на английском языке
- •Terms and conditions of business
- •1. Cost of mediation / recruitment
- •2. Forwarding copy of labour contract
- •3. Assignable interest
- •4. Liability ecr
- •5. Payment and date of payment
- •6. Penalty clause in case of non-reporting /non-forwarding of labour contract
- •Introduction fees for permanent staff
- •«Физкультминутки» мнемотехника снежный ком (последовательность предложений)
- •Стихотворение
- •Постановка дикции: скороговорки
- •Интернет для переводчика
- •Предпереводческий анализ текста
- •План презентации текста, переводимого в рамках практики («летний перевод»)
- •Contents
Coldstream Insurance plc Goldhawk House, Vale Road, London nw6 5jt
Telephone 071242 2000 Fax 071242 3000
Mr H Cartwright
Crane Farm
Swyre's Head
Dorset BH12 5HA
Dear Mr Cartwright
Fire Policy fm768643 b88
In response to your telephone call this afternoon I am enclosing a claim form for you to complete. As soon as you return the form I will arrange for a loss adjuster to visit the farm to evaluate the losses you have incurred and discuss the scope of cover afforded under the terms of your policy.
Yours sincerely,
Ms Julie Shaw
Coldstream Insurance plc Goldhawk House, Vale Road, London nw6 5jt claim form
First name(s)...................................................Surname................................................... Address.......................................................................................... Postcode............................... Policy Number....................................................... Type of Insurance................................................... Please describe fully the events giving rise to the claim: Please advise the steps you have taken to mitigate the losses: Please give a complete list of assets lost or damaged as a result of these events:
Description |
Date of purchase |
Original cost (£s) |
Estimated cost of replacement* (£s) |
Estimated extent of damage (£s) |
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*Please submit two competitive estimates for each asset. Signature of policy holder: Telephone: Home ................... Work..........................
Section P. Text for home translation
Your task: Give full written translation of the text with analysis of translation techniques. Pay special attention to the highlighted words and phrases. While translating, complete your glossary on the topic.
Text 1
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Pricing Your Policy By Sally Praskey, Editor, Insurance Canada ConsumerInfo How do insurers decide what to charge for insurance? It's all based on something called "risk factors." The more risk involved in insuring you, the more you will pay for your insurance. That's where underwriters come in. They decide on what terms to accept a risk, and then price it accordingly. For example, why might you pay more for life insurance than your next-door neighbour does, even though you have purchased the same kind of policy? There could be several reasons: perhaps you are a smoker and your neighbour is not; maybe your occupation is considered more dangerous than your neighbour’s (you're a stunt pilot, for example); maybe you like to indulge in what is considered a risky hobby, like skydiving; or perhaps you are much older than your neighbour, or your health is not as good. All of these are risk factors. The same principle applies to your property. You may discover you're paying more for your home insurance than your neighbour is, even though you have the same kind of policy from the same company. Again, there's a logical explanation. Perhaps you rent out the basement of your house, while your neighbour does not; maybe your house is larger in square footage than your neighbour’s; or you have some valuable jewellery listed on your policy that your neighbour does not. And so on. When it comes to home insurance, underwriters price a house according to several risk factors: whether it's occupied by the owner or by tenants; whether it's a single-family dwelling or has multiple tenants; the size and style of your house; and its location (how far it is from a hydrant and fire hall, for example). That's why your country retreat might cost more to insure than your suburban bungalow. Generally, insurance is cheaper on an owner-occupied single-family dwelling, because it is considered a better risk. In underwriting personal insurance, like property and automobile, the company has already decided what rules it will use to determine if an applicant is eligible for insurance. A risk either fits the company's criteria or it doesn't. If your particular risk doesn't qualify, you will have to modify it to meet the insurer's standards, or shop elsewhere for your insurance, and probably pay a bundle for it. Life insurance works in a similar way. You will be asked a number of questions on your application to determine your risk status. Risk factors for life insurance include: your age, whether you smoke, your medical history, and your occupation (just how risky is it?). If the company decides you are an acceptable risk, it will agree to insure you. If not, it will refuse the risk, or will charge more to insure you. There are certain risks that no insurer will agree to cover, because the odds are too great that a loss will occur; for example, a river overflowing and flooding your home, or a volcano erupting and destroying property. Likewise, you may not be able to buy certain types of travel medical or health insurance if you have what is called a "pre-existing condition" – an existing or previous illness that the insurer believes is likely to worsen or recur. |
Text 2
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What's Your Line of Insurance? By Sally Praskey, Editor, Insurance Canada ConsumerInfo Nowadays, there are some 300 insurance companies operating in Canada selling many different kinds, or "lines" of insurance. Generally, most companies sell either "property and casualty" insurance (also referred to as "general" insurance) or "life and health" insurance, but seldom both. Property and casualty insurance includes automobile insurance, property insurance (insurance for homeowners, condominium owners, and tenants), as well as a variety of commercial and business insurance. An important component of all of the property and casualty lines is liability insurance, which provides protection for an insured person who accidentally injures someone or damages someone else's property and is legally bound to pay for the damage. Life and health insurance is primarily the bailiwick of the more than 100 life insurance companies operating in Canada, both domestic and foreign-owned. Life insurance provides funds to a designated beneficiary in the event of the policyholder's death. Some of the more common life insurance products include term, universal, and whole life insurance. Health insurance protects against financial loss due to illness, injury, or medical bills, and extends coverage, through a variety of products, beyond that offered by government medicare plans. In fact, medicare itself is a form of insurance, paid for by our tax dollars. Another aspect of health insurance, disability insurance, pays for income lost due to a disabling injury or illness. Often, life, health, travel medical, and disability insurance is provided through employers, but it can also be purchased by individuals. Without health insurance, we'd probably be afraid to set food outside our homes, let alone play sports or participate in any other activities. Even one broken leg could eat a big chunk out of our savings. Many brokers, direct insurers, and direct sellers are now promoting insurance over the Internet, offering quotations and, in some cases, even selling insurance online. While this is a convenient service that will no doubt continue to increase in popularity, the watchword for consumers should be "buyer beware." As you will see from the articles posted on Insurance Canada ConsumerInfo, there are many options when it comes to buying insurance. The key is to get the right coverage at the best price. When shopping for insurance over the Internet, make sure you're comparing apples with apples. All policies are not alike, and the lowest price may not be the best coverage for you. It's important to ask the right questions before you buy your insurance, or you could be left high and dry at claims time.
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