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to look at; to concern; to relate to; to esteem; to appreciate; to consider
extend
regard
survive
penalize
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TOEFL listening: A conversation between two students on their way to Business Management class

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    TOEFL Listening Comprehension Transcript

    Narrator
    Listen to a conversation between two students on their way to Business Management class.

    Pamela: Eric! Eric! Wait up a minute! Hey!

    Eric: Huh? What? Oh-- hi, Pam. What''s up? You OK?

    P (out of breath): Yeah...whoosh!...yeah...I''ve just been trying to catch up to you for the last block. Boy, you walk fast!

    E: Sorry. I''m running late, that''s all. Can you walk and talk at the same time? What''s on your mind?

    P: (still breathing heavily): Woosh... Ah...mmm...Have you got any money? Have you got any extra money?

    E (laughs): Huh? Sure. How much do you need? Ten, twenty bucks? What''d you do, go over budget again this month?

    P: No, no! I''m not out of pocket, no. Have you got any real money? I''ve been working on my practicum for Financial Management, you know, and--

    E: Oh, that! Yeah. Mm-- you picked what?-- cash management, didn''t you? How''s that going?

    P: Oh, it''s going great, Eric, real great. That''s what I want to tell you about. I''m supposed to work with the 200-dollar limit that Dr Geitner set us, and I think I can do pretty good for CBA Company.

    E: CBA Company?

    P: Yeah, I thought that was more interesting than "ABC Company".

    E: Oh. Real catchy, yep. Very imaginative, Pamela.

    P: Thanks! Anyway, the 200 dollars I''m using as CBA''s minimum cash-on-hand, and I want to start investing it in overnights.

    E: Overnights? Those are short-term deposits, right?

    P: Right. You make the deposit at 6 pm and then it matures at 6 am the next morning-- it''s a half-day term deposit. It doesn''t earn much interest, of course, but the security and liquidity are 100 percent, and the principal and interest are fully guaranteed. And you make a little money on your money that''s not doing anything at night anyway.

    E: "Little" is the operative word there, isn''t it? What do you make on 200 dollars then, Pam?

    P: About zero point one oh percent. Twenty cents.

    E: Wow! You''ll be rich as Croesus!

    P: No-- now wait a minute, Eric-- listen now. This is just a practicum. Real businesses do this-- big corporations do this-- and they''ve got maybe three or four million dollars in cash lying around at the end of every workday. Try four million dollars at zero point one percent...

    E: ...Which gives us, uh...how much then?

    P: Four thousand dollars.

    E: Four grand?! That''s more like it. Overnights are beginning to sound all right. I wish I had a million to invest.

    P: Me too. And y''see, that''s where my problem comes. This is a practicum, not theoretical research, so I''ve got to actually invest that 200 dollars. The catch is that overnights, they need a minimum principle of two thousand dollars. They won''t accept my two hundred.

    E: Oh. So?

    P: So...I was thinking. I''ve got a little over fifteen hundred in the bank-- that''s what the two hundred is coming out of. So, if I could come up with another 500 dollars somewhere...so that I''d have the minimum... And that''s when I thought of you!

    E: Huh?! Oh-- I get it. You want me to lend you the 500 dollars. I see.

    P: Yes. Could you, Eric?

    E: Overnight? For one day?

    P: Well...um..no. I''d need it for about ten days. I''m going to have to roll it over through several overnights, so I can collect enough data on the earnings and everything, but--

    E: It''s really risk-free, Pam?

    P: Absolutely, Eric, absolutely! Is City Bank going to go bankrupt overnight? Or in ten days? I doubt it.

    E: Well then...what about the interest?

    P: Huh? What do you mean?

    E: The interest we earn. On 2000 dollars, that should be about...two bucks, right? We split that, right?

    P: Well actually, since I''ll be rolling over the principal about ten times, we should make about 20 dollars, and...and-- we''ll share the profits, sure. Your 500 dollars and my fifteen hundred...that would give you, lessee...um, 25 percent of 20 dollars is five dollars interest on your 500-dollar loan. Not bad, huh?

    E (laughs): I guess I won''t get rich, but-- OK. It''s a deal. When do you need the money?

    P: Well, as soon as you can, I guess.

    E: Let''s see now...Can I write you a check?

    P: Sure.

    E: Then I''ll write you a check in class. Now let''s go or we''ll be late.

    P: Great! Thanks, Eric, thanks a lot. You''re a real friend.


    Excerpt from the TOEFL test listening conversation

    Pamela: ...Anyway, the 200 dollars I''m using as CBA''s minimum cash-on-hand, and I want to start investing it in overnights.

    Eric: Overnights? Those are short-term deposits, right?

    P: Right. You make the deposit at 6 pm and then it matures at 6 am the next morning-- it''s a half-day term deposit. It doesn''t earn much interest, of course, but the security and liquidity are 100 percent, and the principal and interest are fully guaranteed. And you make a little money on your money that''s not doing anything at night anyway.

    E: "Little" is the operative word there, isn''t it? What do you make on 200 dollars then, Pam?

    P: About zero point one oh percent. Twenty cents.

    E: Wow! You''ll be rich as Croesus!

    P: No-- now wait a minute, Eric-- listen now. This is just a practicum. Real businesses do this-- big corporations do this-- and they''ve got maybe three or four million dollars in cash lying around at the end of every workday. Try four million dollars at zero point one percent...

    E: ...Which gives us, uh...how much then?

    P: Four thousand dollars.

    E: Four grand?! That''s more like it. Overnights are beginning to sound all right. I wish I had a million to invest.
    50 TOEFL conversations
    50 TOEFL conversations
    A great variety of English listening comprehension tests that will help you increase your TOEFL test score.
  • based on TOEFL academic discussions
  • written and recorded by experienced US authors and voice-over specialists
  • 50 TOEFL lectures   50 TOEFL conversations




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