An insurance agent called me this morning. This particular agent wanted to discuss my automobile coverage, but the next agent to call might be interested in my life insurance program, my health insurance, or fire protection for my home and furniture. The American consumer often feels constantly disturbed by insurance agents. Many agents selling many different policies call us by phone and sometimes even come to our doors. These insurance agents are always friendly, well-dressed, and eager to be of help. Yet few Americans really enjoy visiting with these eager, helpful men and women. We are not happy when they call us; we are on guard when they visit our homes. They are never really our friends; at best, they are a necessary evil, and insurance, too. Three reasons why we are unwilling to discuss insurance can be suggested. First of all, insurance is expensive. A young father who purchases a fairly small life insurance policy agrees to pay a sum of $200 every year for 40 years—a total of $8,000. Many college students pay $800 to $1,000 per year for car insurance. In effect, they pay as much for the insurance as they do for the car itself. Health insurance that pays for modern medical miracles often costs Americans as much as $2,000 every year. Adequate insurance is expensive; it is a major item for most families. Insurance also reminds us that we live in an unsafe world. We are human and we must face the possibilities of illness, injury, death and financial loss. Our rational minds recognize the many unfortunate events that can occur, but in our hearts we hope that we might be spared. Serious injury or death is not a pleasant subject to discuss or even consider. We are afraid; we would rather talk about football or the weather or what we had for lunch. Finally, insurance is a difficult, complex subject. No one understands it completely and only a few insurance professionals really feel comfortable in a discussion of automobile, life, and major medical coverage. We feel inadequate and try to hide our ignorance by avoiding discussions of insurance. Yet these three reasons for not discussing insurance provide three excellent reasons why we should learn more about it. Insurance is expensive. In a lifetime, many of us spend as much on insurance as we do on the purchase of a home. If we are to spend our money intelligently, we need information about the products and services available. We don’t depend entirely on salespeople when we buy a car, a house, or a suit of clothes. Neither should we depend entirely on the agent when we buy insurance. We need a basic knowledge of insurance coverage if we are to be intelligent consumers. The intelligent consumer looks problems in the face. Although accident, illness, and death are not pleasant subjects, each of us knows we face these possibilities. It is better that we plan for these situations by finding means to deal with them than to just hope that they will somehow go away. Although insurance can be complex, its basic concepts are neither difficult nor impossible to learn. Quite the opposite. Insurance fundamentals can be understood by those willing to study them. Serious study provides knowledge. The study of insurance is an effective, proven method of dealing with the insurance ignorance faced by many American families. The passage tells us that insurance is ______.
A. a service too expensive for people to enjoy
B. a necessary evil we must look in the face
C. an unhappy topic we should avoid talking about
D. a very complex subject we don’t have to understand
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Congratulations! You wowed your prospective employers on your first interview and have been called back for an encore. So, how will the second interview be different from the first This time around, expect to spend more time at the company, talk to more people, individually and collectively, and have your skills and personality scrutinized more closely. The Employer’s Point of View From an employer’s perspective, the second interview is a chance to closely evaluate a candidate’s abilities and interpersonal skills. Your prospective employer wants to see that you can do the job and work well with colleagues. Be aware that many employers bring in several candidates on the same clay to streamline the second interview process. Your challenge is to distinguish yourself from the other candidates. To show you’re a good fit with the company, focus on explaining how your abilities and experiences would enable you to do the job. Be specific. Offer concrete examples that highlight your competence and compatibility. Who You’ll Meet On your first interview, you probably met with one or two people. This time, be prepared to meet several more over the course of the day, including potential managers, coworkers and other staff members. You may meet individually with several people, who will most likely ask you similar questions. Keep your answers consistent but mix up your delivery so that your answers don’t sound stale or staged. If possible, before the interview acquire a list of the people you’ll he meeting with and do a little research on each one. Then ask questions that show your knowledge of each person. If you meet with a panel or group, be sure to make eye contact with both the individual asking the question and the group as a whole. Steps for Follow Up It’s rare to receive an offer on the spot, but it does happen occasionally. If the feedback is consistently positive over the course of the day, you may get a job offer at the end of the interview. If that happens, don’t make a hasty decision. Ask for time to think about it. If you don’t get an offer, be sure to immediately send a brief thank you note to every person you spoke with. Some companies make hiring decisions in a matter of days, but many can take weeks to make their final choice. Be patient, be flexible and be ready for an offer or an invitation for yet another interview. What’s the right attitude towards the second interview
A. Impatient and anxious to know the result.
B. Forget it and have another try.
C. Make a call for a claim.
D. Be patient, flexible and ready for it.
An insurance agent called me this morning. This particular agent wanted to discuss my automobile coverage, but the next agent to call might be interested in my life insurance program, my health insurance, or fire protection for my home and furniture. The American consumer often feels constantly disturbed by insurance agents. Many agents selling many different policies call us by phone and sometimes even come to our doors. These insurance agents are always friendly, well-dressed, and eager to be of help. Yet few Americans really enjoy visiting with these eager, helpful men and women. We are not happy when they call us; we are on guard when they visit our homes. They are never really our friends; at best, they are a necessary evil, and insurance, too. Three reasons why we are unwilling to discuss insurance can be suggested. First of all, insurance is expensive. A young father who purchases a fairly small life insurance policy agrees to pay a sum of $200 every year for 40 years—a total of $8,000. Many college students pay $800 to $1,000 per year for car insurance. In effect, they pay as much for the insurance as they do for the car itself. Health insurance that pays for modern medical miracles often costs Americans as much as $2,000 every year. Adequate insurance is expensive; it is a major item for most families. Insurance also reminds us that we live in an unsafe world. We are human and we must face the possibilities of illness, injury, death and financial loss. Our rational minds recognize the many unfortunate events that can occur, but in our hearts we hope that we might be spared. Serious injury or death is not a pleasant subject to discuss or even consider. We are afraid; we would rather talk about football or the weather or what we had for lunch. Finally, insurance is a difficult, complex subject. No one understands it completely and only a few insurance professionals really feel comfortable in a discussion of automobile, life, and major medical coverage. We feel inadequate and try to hide our ignorance by avoiding discussions of insurance. Yet these three reasons for not discussing insurance provide three excellent reasons why we should learn more about it. Insurance is expensive. In a lifetime, many of us spend as much on insurance as we do on the purchase of a home. If we are to spend our money intelligently, we need information about the products and services available. We don’t depend entirely on salespeople when we buy a car, a house, or a suit of clothes. Neither should we depend entirely on the agent when we buy insurance. We need a basic knowledge of insurance coverage if we are to be intelligent consumers. The intelligent consumer looks problems in the face. Although accident, illness, and death are not pleasant subjects, each of us knows we face these possibilities. It is better that we plan for these situations by finding means to deal with them than to just hope that they will somehow go away. Although insurance can be complex, its basic concepts are neither difficult nor impossible to learn. Quite the opposite. Insurance fundamentals can be understood by those willing to study them. Serious study provides knowledge. The study of insurance is an effective, proven method of dealing with the insurance ignorance faced by many American families. What would you do if you are going to buy insurance
A. Depend entirely on an insurance agent.
B. Choose an expensive policy for its good service.
C. Pay as little as possible to save money.
D. Have a basic knowledge of insurance coverage.
Congratulations! You wowed your prospective employers on your first interview and have been called back for an encore. So, how will the second interview be different from the first This time around, expect to spend more time at the company, talk to more people, individually and collectively, and have your skills and personality scrutinized more closely. The Employer’s Point of View From an employer’s perspective, the second interview is a chance to closely evaluate a candidate’s abilities and interpersonal skills. Your prospective employer wants to see that you can do the job and work well with colleagues. Be aware that many employers bring in several candidates on the same clay to streamline the second interview process. Your challenge is to distinguish yourself from the other candidates. To show you’re a good fit with the company, focus on explaining how your abilities and experiences would enable you to do the job. Be specific. Offer concrete examples that highlight your competence and compatibility. Who You’ll Meet On your first interview, you probably met with one or two people. This time, be prepared to meet several more over the course of the day, including potential managers, coworkers and other staff members. You may meet individually with several people, who will most likely ask you similar questions. Keep your answers consistent but mix up your delivery so that your answers don’t sound stale or staged. If possible, before the interview acquire a list of the people you’ll he meeting with and do a little research on each one. Then ask questions that show your knowledge of each person. If you meet with a panel or group, be sure to make eye contact with both the individual asking the question and the group as a whole. Steps for Follow Up It’s rare to receive an offer on the spot, but it does happen occasionally. If the feedback is consistently positive over the course of the day, you may get a job offer at the end of the interview. If that happens, don’t make a hasty decision. Ask for time to think about it. If you don’t get an offer, be sure to immediately send a brief thank you note to every person you spoke with. Some companies make hiring decisions in a matter of days, but many can take weeks to make their final choice. Be patient, be flexible and be ready for an offer or an invitation for yet another interview. Which of the following is NOT the purpose of the second interview according to the passage
A. To discuss the salary.
B. To closely evaluate a candidate’s abilities.
C. To see whether you can do the job and cooperate well with colleagues.
D. To evaluate your interpersonal skills.
The evident increase of the variety and amount of the daily consumption items and imported food products have considerably increased the quantity of waste generated by these products particularly from glass, plastic, card board and metal packaging. On the other hand, there does not exist an adequate system for the collection and transport of solid waste. Also, the country has not elaborated a strategy on urban solid waste, including the contemporary technologies for their treatment and recycling. All these have created extraordinary situation in cities and urban areas and especially in the capital city, situations which make responsible the relevant ministries and local authorities. Although they have declared to be committed for the solution of the problem, several times are still too far from the situation control. No city in Albania has completely solved the collection, transport and depositing of urban wastes. The same picture is about sewage waters. The situation is worse, because the shelters near residential areas very often are filled with stagnant waters and garbage. Damages and splitting in the drinking water network, interrupted supplying and sewage leakages pose a continuous danger for the infection of drinking waters with sewage waters, in some cities. New construction works, particularly in the city suburbs are not associated with the network of sewage pipelines, something which will aggravate more the environmental situation in urban areas, unless funds are urgently allocated for the construction of pipeline networks. Presently, the most of the depositing sites of urban wastes are inappropriate for this purpose and even close to river beds, constantly contaminating their waters and seriously endangering the quality of ground waters which very often are sources of drinking water. In order to precede the investments in this sector, during 1995 at the financial assistance of PHARE program, a study on urban and industrial waste management will be carried out. Considerable damages have been caused to parks and public gardens inside and near cities, due to the construction of a large number of bars and kiosks, in flagrant opposition to the criteria of urban planning and preservation of environment and natural landscape. Parti-cularly critical is the situation in some main cities of the country, where relatively large construction works are realized within green areas, further damaging and reducing them. The phenomenon of illegal constructions is present in many other zones of the country, especially on the coast and ecologically protected areas for tourism development like Karvasta, Golem, and Ksamili. The complete lack of sewage water treatment plants in cities, like Tirana, Durres, Vlore, Pogradec has created grave problems regarding environmental pollution and health risks for the population, which should be treated as priorities, especially in perspective zones for tourism development. A good beginning for the solution of this situation is the inclusion in PHARE program of two projects about treatment plants for sewage waters in Vlore and Pogradec, as well as some undertakings in cooperation with the World Bank or other organizations to improve sewage water pipelines. Which of the following is NOT among the solutions to the lack of sewage water treatment plants
A. Cooperation with other organizations.
B. Cooperation with the World Bank.
C. Two projects about treatment plants for sewage waters in Vlore and Pogradec.
D. To control the waste water discharged.