育數量:
1964
香港教師會昨日舉行
教學研究大會
學應多授英語之意見 認爲藉口學校無足 敎育司簡乃傑蒞會致詞 一再提出小
不成理由
能意
影見蒞
响
中
認
諉
校
皆足小
皆
m,香港教師會一九六七年教學研究大食,於昨日下之常見,如最近該實對改良會考,川題,尤以對「窖撈J之燐 石散倫敦大學决定於一九六九年之普通教育次過去試時, -武方式,與有程證件之意見便是一例。致育訂指出英博帳
WAN KIU
甘
不一扣之絕 明
日期差
烏斯•職主座
日七十月二十年七六九一公年六十五國民塞中
長非更司,爲熱出有如啟何假訊
初齡
發,小被掰彎,新任本也
覺讓救准 敦大可淇發行,將為港
黃一先見小道,飼本具 大致惱,學
與明使
質
,留得,於
會。有所節
光
加師 城西只,策辧心敗,藏此
白天
理會機倫
红油糕
-語汝甜,只鼐學牛如何老院,而宏能注重學生应用英語之能力
·時間,小系生之亮為陽庭,遼可更爲提高。僧乎今日有部份 用英語程度,仍未如理想。在目前之課程內,利用同等之
·段已有尼舘時間學習英語,惟運感免失望者乃一般小聚生之
·教登司轉論小學英毒之我學問題。簡氏拋出學生在小屋階
海鲜
源氏身 中生生
無飲料
雄安便宜
年質
擬於明年赴美留學之學生
生
有旅費補助金可申請
查詢:
C婷〕擬於阴【者:
一但受領人亦可申砥 ;生聯合 1日止之及格曲荒者,」: 申爾之截止日期 至一九六九年四月一张取申請麥格
此外,及粘申請:學生旅費補助金
或講學,亦可申請,譁情可向美國領事館
名爲美國富伯來旅費贈金 學者赴美深造人必須取得一張轉那一九六八年六月一年
陶很手項傑·完而
曾在八之殘月
三觀者十起 如九躞 止烟五程 擬六星 日期日者在八吉
前,七年
一直,現有一項旗袍 美國接受大旗人,必須於航空城二十二小猪衝高 著,外形在四月十五 學者前往學會榮 是以申购人和居留地、予滋慮。惟為製作,對著我,在七月卅一日前成行
財·金訂申請 •
[RANTS ),有腿酸 丸向不能被疑震其他要憾金,向其他留學 LGHT TRAVEL G, 殷念之受覦著,西法:(甲)屬旅 ,如點再經 惠宜經芑自行安排安 土竑祖嚞示将满寒
此項美國宮倞爲準,卑程或部分裂,攻 液炎年限爲西
證英爾頒本舘查詢。有-
足之證據,證明 熱學生已蔥圈大美感 無染可逕向本泡花点;申踏人必须揭出國際敎育悔第(如否
有關得之需要
腳之下,英聯邦究及,就需有保證人保證 懐形可另行商宣垛之
推乃暨深
福
使座兩
使學術交流更爲暢通 帕航在漪亭 海刋(尖,以阳合此阡索。名 座談 决定實施交換計對 兩地爭界刊物之編輯入舉行
關係將趨密切
美學金委員會所批准:一、無生方面,大佐可申請。申黎之際部大橋、湯、各國的高 一星助金,此項點位乃 後期必須姓鄉限影地面:如墨港之被處報、聯合來的,很多爾能表示他
两區
一
1968
英文中學會考試題預習專欄
經濟及公共事務科 ( 七 )·劉奇敏
(Economic & Public Affai
Lecture BO.
"InsurancÐ {
Man runs risks of one and or another throughous 「his Life on earth. As a baby, he ran the risk of being mcared for; his parente might die before he reschedes boyhood. As a boy, he needed among . many things.. education, end this would be dented to him if his father happened to be out of job; and worst of all. his father should dde, he might even be called upon to support his family. Now as a man, he 19 still/ beset with risks, He may find himself knocked down by a car and consequently be crippled for life,'or may just die a natural death; or he may find himself/
family to suppor jobless suddenly, and if he has a
he is not the only one to suffer. If he la a bustosa SMAT he runs the risk of losing his goods in transit, between ports; or the risk of_losing nis_loans_to his) debtars.
Life certainly has its ups and dowman (As náturs
man? has failed to endow man with social security, himself must somehow. find a maans whereby when 1ff19 having its downs, man may not be caught unprepa There must exist a form of oroteation for every. Ho is this protection going to be provided? Man har found. that although it is possible that everyone may suffer from the misfortunes of life, it is not probable that all will be suffering at the same time, Thus a system has been satisfactorily devised to enable
those who are not attacked by the miefortunes or to help those who are: This system is known
insurance"
育者在之力 英警 餐隊
jThe contract containing the terms agreed by the insured and the insurer and explaining in detail, the risk the former is insuring, and the amount the. Latter is going to payeous should the event against which 1 is insured occure is called the policy
When the Insured pays to the insurer, hsually in) some 11 mama add out monthly, is known as the premiuão e
une the amount of which denending on the type of risk sga that which che policyholden is insuring.
Sometimes in the policy, a third party is named d who is legally entitled to the compensation as
spacified in the policy should the insured die, party is known as the beneficiary. In a life insurance policy, it is therefore necessary to have the name the beneficiary Include
Finally, the amount that the insurer agrees and promises to pay-ta (Insured cor a paneficiary as clearly laid out in the licy, is known as the face of the policy, which is a aum much larger than the premiums in order that this sum is sufficient to provide a form f compensation to the insured or benefiodarry
(answerd to
Question)) (1) Explain the principies or insurance?
Answer
G KO
JHow does Insurance operater Put simply, it operatea. Like this. Anyone who is interested in the scheme la asked to contribute a sum of money (the amount to De decided by the type of risk against which the person 23 \nsuring) and from the contributions of the many
fund is built. Large sums of money are then taken out; to be paid to those who are faced with the misfortunes. of life. The system works on a alear-cut ossia Insurance today has come to mean more than a form or protection; it is also a form of saving, particular ly trus when it comes to life insurance."
A typical life insurance policy provides a family protection and retirement plan. If a takes up such a poliog, he needs only to pay about $125 a month, for the next twenty years, at the end which he is entitled to a lump sum of approximately 181771000. Should "the insured (the person, who has.
out an insurance policy) die, his family. wi bopald a lwep aum of between $33,276, and $.51,516 depending on the length of the policy. other benefite Roaring to the insurance policy include the
eligibility of the insured, to borrow money (after the policy has been in force for two years) from the dompany and the interest rate is only so per annum; the insured should die as a result of an automobile accident, an additional $45,432 ta paid out, the premiums (that is the $125 that 18 paid to the insurance company ) can be claimed as allowances before a person!y salaries tax is assessed by the Inland itevenue Department, and the Insured at the same time can share in the dividends of the insurance company
Jln order to be well prepared for tople an (insurance, it is necessary to know a few commCA.
insurance terms. To begin with, it takes two partie to organize this system of protection against the misfortunes of life, and the uncertainty of the future. The first party, who promises and agrees pay out a sum sufficient to cover the risk insured is known as the underwriter or the insurer. The other party, who 19 known as the policyholder or the insured, agrees to pay small sums of money towards an insurance fund from which & sum is taken out to enable him to tide over difficult times
on a misfortune falle ön bin:
principles people
Insurance can only be whe operated on three basic reing: are vitally important in order from abusing insurance. Unscrupulous people must be
maans of discouraged from using insurance 43 getting what they want. Par instance if a man wisheal to make a fortune, overnight j cann take out an insurance policy to insure his house against fire The next day he commila arson, and immediately Kor the indemity. as specified in the policy. There aurance company must be given auch powers, to allow themi to anvestiga to whether the house was to estual fact destroyed by fire not caused by arson dommittee by Lhe inured himself, because Insurance ta not al form of cheating on gambling. Par from tt, It must bes a reliable system which a capable of providing a form of protection to the insured when he comes face to face with a crisis involving a financial loss,
The firat principle governing insurance state that the insured must be in a position to show an insurable interest, By this is meant that if for: instance & has insured a certain property, say his house against fire, he must show that he stands to gain if his house is not damaged or destroyed by fire, and he euffers a financial loss if his house is damaged or destroyed by fire. Take the case of b way has bought a life insurance policy, In his case the must be able to prove that he stands to lose financially if he dies; that is to say B. can earm. much more than the indemnity that is to be paid out the beneficiary by the underwriter.
Nobody can be expected to gain from his insurance policy, because if this is 90, the second principle of insurance is violated. This principle states that no policyholder is expected to obtain a sum of compensation which is greater than the true valtie the inaured property; in another sense, it means that the policyholder is only expected to be compensated to a certain degree after which he is Left to make: good for his own loss.
The third principle is found in the well-known proverb - Honesty is the best policy, Utmost good faith. ust be adequately manifested by both th polleyholder and the underwriter. For instance, before!: a person takes out a life insurance policy, it is vitally essential, as required by the third principle of insurance, that he should reveal to the underwriter, wall, material facts concernine his past and present health. If the insured has suffered from a ddsesse has been admitted to a hospital he has to give. information about his sickness and details of his admission to the hospital.
-The underwriter, on the other hand, has to explain the terms and conditione of the policy to th insured, leaving no room for doubt in the mind of the insured. Failure to do so constitutes a fraud on
ke most contracte are. the part of the underwriter. written in the legal language layman will find it.
difficult to understand the contracta, an insurance policy is a contract. It is not only Legally worded it is also full of economic terms. It is therefore | the responsibility of every underwriter to tell his client precisely what the policy is about, such asN what benefits are provided for him, and the conditions by which he (the policyholder):has to abidey
Question: (2) What do you understand by "insurance?
How does it fulfil its meaning?
Answer:
Insurance is "a spreading of risks""TICK form of protection against the misfortunes of life) and the uncertainty of the future. Nor is that all, Insurance, particularly true in life insurance, also provides a form of saving.an
Inaurance establishes a fund which is ai: accumulation of the contributions from the many, and from which sums of money can be drawn out to pay to those few who are undergoing diffloult times.
Insurancs 19 based on the fast that although ft le possible that everyone All meat one form ot tragedy or another in Life," it 18 improbable that all) will meet tragedy at the same time. It is therefore possible for those who are not meeting any adversities to help those who are
(If the contributione or, an individual are too great," then not everyone can make use of insurance. The premiums are therefore. caloalated within the means. af the average person. On the other hand, the face or the policy must be adequate to meet any adversity. otherwise the insured will find that there is in tacs Do protection against any misfortunes of life at all) It is also vitally significant that when an insured is struck by misfortune, the underwriter is capable of: providing an indemnity aa Jaid down in the policy. Both the insured and the underwriter must be honest and scrupulous. That is why insurance is governed by three fundamental principles vizi
\(a) the insured must manifest an inabradial
interest;
(b) the Insured is entitied to only an
indemnity not exceeding the true value of the property insured; and
both the insured and the insurer must _pursue_utmost good faith
The two principal classes of insurance"-"persona) and property: insurance - are capable of insurine against most risks known to man.
Accidents, sickness, death, and alanonesty can wa insured under personál insurance. Whereas, fire- theft, loss, burglary, and damage (especially to piole glass) in respect of property are covered by propertyy insurance which falls into four common respective. categories:
(a) fire insurance;
(b) burglary insurance;
(c) marine insurance; and
(d) plate glass insurance.
ersonal insurance, however, is classified into;} a) accidents and sickness insurance:
(b) life insurance;
(c) employers' liability insurance;
{d} automobile liability insurance; le) fidelity guarantee insurance; ano' (f) credit insurance.
It can therefore be seen that insurance bas provided a scheme whereby anyone who is worried abous the uncertainty of the future, or afraid of being caught unprepared when a tragedy strikes, can avai himself of the protection provided by insurance by merely contributing to a fund a small sum of money and by ao doing he 15 secured against any adversityy which would otherwise knock him off his feet, for evari
Exercise VI (1) What do
Cost?
maan by the Theory of Comparativel
(2) Explain the results brought about: by countries. when they start to trade with one another,