property insurance

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 "____________"?

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

When expenses are incurred the liability under this insurance shall not exceed the proportion of such expenses that the amount insured hereunder bears to the value of the Vessel as stated herein，or to the sound value of the Vessel at the time of the occurrence giving rise to the expenditure if the sound value exceeds that value．Where the Underwriters have admitted a claim for total loss and property insured by this insurance is saved，the foregoing provisions shall not apply unless the expenses of suing and labouring exceed the value of such property saved and then shall apply only to the amount of the expenses which is in excess of such value．

When a claim for total loss of the Vessel is admitted under this insurance and expenses have been reasonably incurred in saving or attempting to save the Vessel and other property and there are no proceeds，or the expenses exceed the proceeds，then this insurance shall bear its pro rata share of such proportion of the expenses，or of the expenses in excess of the proceeds，as the case may be，as may reasonably be regarded as having been incurred in respect of the Vessel，but if the Vessel be insured for less than its sound value at the time of the occurrence giving rise to the expenditure，the amount recoverable under this clause shall be reduced in proportion to the under-insurance．

问题：

Of the following，_______ only is correct．

A.The stated value of the vessel is always higher than its ensured value

B.The sound value of the vessel at the time of the occurrence is always higher than its ensured value

C.The sound value of the vessel at the time of the occurrence is always higher than its stated value

D.The sound value of the vessel at the time of the occurrence is always higher than its saved value

Assuming the sound value of the vessel at the time of accident is $10 millions，the insured value $9 millions，the stated value $8 millions，the expense incurred $2 millions，the liability under this insurance is likely to be _______．A.$2.0 millions

B.$1.8 millions

C.$1.6 millions

D.$1.4 millions

Under afore-said conditions，assuming the expense of suing and labouring is $3 millions，the proceeds $2 million，and the Underwriter has admitted a claim for total loss，the liability under this insurance is likely to be _______．A.$0.9 million

B.$0.8 million

C.$1.0 million

D.$2.0 millions

Under previous conditions，assuming the saved value is $1 million，the expense of suing and labouring $3 millions，and the Underwriter has admitted a claim for total loss，the liability under this insurance is likely to be _______．A.$2.0 millions

B.$1.8 millions

C.$1.6 millions

D.$1.4 millions

A、inmate risks

B、supernatural risks

C、security risks

D、personnel risks

A．IT0

B．IT1

C．IE0

D．IE1

A．T1

B．串行口中断

C．外部中断

D．T0

A．松果的排列

B．向日葵的花瓣数

C．蜂巢的成型

D．蜻蜓翅膀

A．named

B．names

C．was name

D．is name

A．课堂观察

B．活动记录

C．标准化测验

D．课后访谈

A．3～5

B．5～7

C．7～9

D．9～11