Unit 3 Money

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Unit 3 Money and banking

6. insure insurance Paul decided to insure his new house against fire.
insurance agent
n.
保险公司,保险代理人
保险单 insurance policy
7. loss
His death is a great loss to the country.
1.比率,
7. Vary （from)
His mood varies with the weather. 变化;呈多样化[(+in/on/with)] That sort of thing varies from person to person. 那种事因人而异。
8. mention
Just as I have mentioned, he is a quite famous scholar.
Part Two Reading In the Bank ICBC
BC
花旗银行汇丰银行
Word Bank
1.Charge There is no charge for window-shopping.
take charge of 负责, 看管 in charge of 负全责经管照顾
Unit Three Money and Banking
.Leabharlann Warm-up Exercises
1. Are you interested in money? 2. How much do you know about money? 3. The following are pictures of foreign coins. Do you happen to know them? 4. If you were given a lot of money, what would you do with it?

新人教版高中英语必修三 Unit 3 The Million Pound Bank Note课件

use them for?
buy a big flat
In the following story, after Henry had been given a large amount of money, things changed…
Pre-reading
What would happen to Henry at A.tHheerwesatasunroatntt?aken seriously. B. He was treated politely.
Waiters were s__h_o_c_k__edand doubted if it was _g_e_n_u__in__e.
They all _b_o_w__e__d_ as Henry
left.
Careful reading task two
T
1.
The owner looked down upon Henry when he noticed Henry’s appearance.
and after he showed _b_a_n_k_n_o_te_____
Careful reading
Fill in the blanks.
At a restaurant
During the meal
task one
Henry ordered some ham, eggs,
a nice big _s_t_e_a_kand a pineapple d__e_s_s_e_r_t first.
orders would cost a lot of money?____A_
A.Because he was afraid Henry didn’t have enough money.

人教版九年级英语Unit3重点知识归纳

Unit3 Could you tell me where……重点知识归纳一、词汇应用1.on one’s right / left在某人的右边/ 左边2.beside the bank 在银行旁边3.turn right / left 右拐/ 左拐4.go past ... 经过……5.pass by 路过；经过6.try the rides 尝试乘骑项目7.start with ... 以……开始8.hold one’s hand 抓住某人的手9.at first 首先；最初10.get hungry 饿了11.serve delicious food 提供美味的食物12.on one’s way to ... 在某人去……的路上13.a rock band 一个摇滚乐队14.walk up to sb. 走近某人15.mail a letter 寄信16.go east 朝东走17.visit a foreign country 去国外游览18.ask for help politely 礼貌地请求帮助19.sound less polite / impolite 听起来不怎么礼貌/ 不礼貌20.a direct question 一个直接的问题21.in different situations 在不同的情况下22.school trip 学校旅行23.such as 诸如24.e-mail address 电子邮箱地址25.lead into a request 导入请求26.trouble sb. 麻烦某人municate better with other people28.更好地与他人交流29.an underground parking lot 一个地下停车场30.change some money 兑换一些钱31.go on a short study vacation 去游学32.in a rush 忙着33.be excited to do sth. 对做某事感到兴奋34.spend time (in) doing sth. 花费时间做某事35.look forward to (doing) sth.期望(做)某事e on 加油；快点儿37.pardon me 抱歉，对不起；什么，请再说一遍二、重点句型1.问路常用的句子：①Do you know where is … ?①Can you tell me how can I get to …？①Could you tell me how to get to …？①Could/Will/Would you please tell me sth.表示十分客气地询问事情Could you tell me how to get to the park?请你告诉我怎么才能去邮局好吗？2. decide to do 决定做…...She decided to go to have lunch. 她决定去吃午餐。

人教版必修三英语 Unit 3 百万英镑 Act,scene 3,scene 4课文加翻译

人教版必修三英语 Unit 3 百万英镑Act,scene 3,scene 4课文加翻译In the summer of 1903.two wealthy brothers。

Roderick and Oliver。

made a bet。

Oliver believed that a man could survive a month in London with a n pound bank note。

but Roderick was doubtful。

One day。

they saw a penniless young man named Henry XXX their house。

Henry was an American businessman who was XXX't know what to do。

Roderick invited Henry inside their house and asked him to stay for a while.Roderick and Oliver explained their bet to Henry。

and Roderick asked Henry if he had ever seen a n pound bank note。

Henry replied that he had not。

and Roderick handed him the note。

Roderick then proposed a deal to Henry。

He would give Henrythe note。

and if Henry could survive a month in London without spending it。

XXX's company。

Henry accepted the deal and leftthe house with the note.Henry was amazed by the note and XXX spend the note。

人教版九年级英语unit3知识内容

人教版九年级英语unit3知识内容我们全都要从前辈和同辈学习到一些东西。

就连最大的天才，如果想单凭他所特有的内在自我去对付一切，他也决不会有多大成就。

下面给大家带来一些关于人教版九年级英语unit3知识内容，希望对大家有所帮助。

一.Unit3单词restroom [?restru:m] n.(美)洗手间;公共厕所stamp [st?mp] n. 邮票;印章bookstore [?bukst?:(r)] n. 书店beside[b??sa?d] prep. 在……旁边;在……附近postcard [?p?ustka:(r)d] n. 明信片pardon [?pa:(r)dn] v. 原谅 interj.请再说一遍 washroom [?w??ru:m] n. 洗手间;厕所 bathroom [?bɑ:θru:m] n. 浴室;洗手间 normally ['n?:rm?li] adv.通常;正常情况下 rush [r??] v. & n. 仓促;急促 suggest [s??d?est] v. 建议;提议 pass by 路过;经过 staff [sta:f] n. 管理人员;职工 grape [greip] n. 葡萄central [?sentr?l] adj. 中心的;中央的Nearby [?n?r?ba?] adj.附近的;邻近的 adv.在附近;附近 Pardon me 抱歉, 对不起;什么，请再说一遍 mail [meil] v. 邮寄;发电子邮件 n. 邮件 east [i:st] adj. 东方的;东部的adv.向东;n.东方 fascinating [?f?sineiti?] adj.迷人的;有吸引力的.Inexpensive[??n?k?spens?v] adj.不昂贵的Uncrowded [?n?kra?d?d] adj.不拥挤的;人少的convenient [k?n?vi:ni?nt] adj. 便利的;方便的 mall [m?:l] n. 商场;购物中心 clerk [kla:k][kl:rk] n. 职员corner [?k?:(r)n?(r)] n. 拐角;角落politely [p??laitli] adv. 礼貌地;客气地request [ri?kwest] n. 要求;请求direction [di?rek?n] [dai?rek?n] n. 方向;方位 correct [k??rekt] adj. 正确的;恰当的 polite [p??lait] adj. 有礼貌的;客气的 . direct [di?rekt, dai?rekt] adj. 直接的;直率的.speaker [?spi:k?] n.讲(某种语言)的人;发言者 whom [hu:m] pron. 谁;什么人 impolite [??mp??la?t] adj. 不礼貌的;粗鲁的address [??dres], [??dres] n.住址;地址;通讯处.Underground [??nd?ɡra?nd] adj.地下的;n.地铁 Parking lot n.停车场 course [k?:(r)s] n. 课程;学科 Italian [I?t?li ?n] adj.意大利\人的;n.意大利人\语 Tim [tim] 蒂姆(男名)二.Unit3知识梳理【重点短语】1.a pair of 一对，一双，一副2.between A and B 在a和b之间3.on one’s / the way to 在去……的路上4.pardon me 什么，请再说一遍5.pass by 路过经过6.look forward to 盼望期待7.excuse me 打扰了请原谅8.get some information about 获取有关……的一些信息9.turn left\right 向左\向右转10.go past 经过路过11.a little earlier 早一点儿12.a good place to eat 一个吃饭的好地方13.in different situation 在不同的情况下14.on time 准时按时15.get to 到达16.have dinner 吃晚餐17.on one’s / \the right在右边e on 快点请过来19.the shopping center 购物中心20.the corner of....... 的角落/拐角处21.lead into 导入，引入【重点句型】1.问路常用的句子：①Do you know where is … ?②Can you tell me how can I get to …?③Could you tell me how to get to …?④Could/Will/Would you please tell me sth. 表示十分客气地询问事情Could you tell me how to get to the park?请你告诉我怎么才能去邮局好吗?2. decide to do 决定做…...She decided to go to have lunch. 她决定去吃午餐。

人教新目标九年级英语unit3 基础梳理

人教版新目标九年级英语上册Unit 3 知识点归纳 1.取钱 get some money 2.买一些杂志/邮票 get/buy some magazines 3.获取一些有关小镇的信息 get some information about the town 4.买一双鞋 get/buy a pair of shoesget 获得，得到 get sb.sth. = get sth for sb. 给某人拿来某物。 get 构成的短语： get up 起床； get over 克服、恢复； get on / off 上车 / 下车； get along / on with 与…..相get back 回来，取回
The man who has made up his mind to win will never say “ Impossible”. --Napoleon
凡是决心取得胜利的人是从来不说“不可能”的。
--拿破仑
26.摇滚乐队 a rock band 27.起初 at first 28.在去.......的路上on one’ s way to... 与way 有关的短语： by the way 顺便说一下，顺便问一下； in a way 在某种程度上； in the way 挡路，妨碍某人； in this way 通过这种方式； lose one’s way 迷路
53.换钱change money 53.在一个说英语的的国家 in an English-speaking country
Hale Waihona Puke 54.进行一个短期的假期学习 go on a short study vacation 55.为……感谢某人thank sb. for doing sth. 56.期待 look forward to+n./doing 57.做某事很方便 be convenient to do 58.第一次见到某人meet sb. for the first time 59.使…想起 remind …of… 60.一个吃饭的好地方a good place to eat

《商务英语阅读》课程标准

《商务英语阅读》课程标准一、课程的性质《商务英语阅读》是商务英语专业的职业能力必修课。

本课程旨在:继续深化英语技能训练。

商务英语虽然是专业课程，但英语综合技能是学好本课程的基础。

因此，在学习本课程的过程中要进一步加强基础英语训练。

学习商务专业英语，掌握商务英语的特点和用法。

商务英语通常是指在商务活动中(如阅读有关资料、文献，处理英语函电，草拟商业合同、协议等文件，进行商务谈判等)所使用和接触到的英语，有其本身特点。

比如，一些普通的英语词汇在商务英语中有特殊的含义，这些专业词汇和它们的中文译名以及特殊的用法、搭配和套语都需要熟悉和掌握。

结合专业英语学习，扩充有关的商务知识和背景。

二、课程目标1、知识目标通过英语阅读技巧的学习，充分发挥学生的学习兴趣、增强求知欲、发展思维。

学习有关的商务活动的实用语言材料，熟悉主要的商务英语文章的类型，掌握相当数量的商务词汇，懂得一般的商务表达，学会分析商务文章的特点，能基本读懂难度一般的主要英语报刊、杂志中有关商务活动的报道和评论文章，能基本读懂英语原版商务教科书有关章节的大意;能将一般性英语商务材料译成汉语。

2、能力目标(1)能听懂中等难度的一般性日常会话和商务英语材料，并能对所听到的内容进行分析和运用(2)能用英语进行日常会话，并能就有关商务主题发表看法，表达流利、清晰，无明显语法错误，符合商务英语表达习惯(3)能熟练阅读中等难度的商务性文章，掌握中心大意及相关细节和事实，并能进行相应的判断、分析和推理，阅读速度每分钟60个单词以上(4)熟悉日常应用文和商务应用文的写作方法和技巧，语言通顺，表达准确3、素质目标(1)培养通过英语阅读技巧的学习，充分发挥学生的学习兴趣、增强求知欲、发展思维 (2)通过专业和课程特色，采用以形成性评价为主的多元评价方式，培养学生的综合语言技能，同时培养学生的自主学习意识和自主学习能力三、课程的课时分配课时分配教学内容理论教学实验合计 Unit1 Auction 4 4 Unit 2 Money 4 4 Unit 3 Banking 4 4 Unit 4 Shopping 4 4 Unit 5 Stock exchange 6 12 18 Unit 6 Health 4 4 Unit 7 Meetings 4 12 16 Unit 8 Exhibition 4 4 Unit 9 Advertisement 4 12 16 Unit10 Business communication 6 16 22 Unit 11 Organizational culture 6 12 18 Unit 12 Family 4 4 Unit 13 Sightseeing 4 4 Unit 14 Public relation 6 12 18 Unit 15 Modern office 6 12 18 Unit 16 Production 4 12 16 Unit 17 Automobiles 4 4 Unit 18 Insurance 4 4 机动4 4 合计 88 100 188四、课程内容与要求第一单元 Auction【教学内容】了解:拍卖活动的基础知识理解:两篇阅读文章内容掌握:文中出现的一般术语和商务术语【教学重点】重点:The Cutting Edge in Auctions难点:Auction approaches【教学要求】能够对于商务活动的流程、基本要素有一定了解第二单元 Money【教学内容】了解:电子支付的背景理解:两篇阅读文章内容掌握:文中出现的一般术语和商务术语【教学重点】本单元重点: The Cashless Society本单元难点:Electronic medium of exchanges and transactions 【教学要求】能够对于商务活动的流程、基本要素有一定了解第三单元 Banking 【教学内容】了解:货币与银行的发展情况理解:两篇阅读文章内容掌握:文中出现的一般术语和商务术语【教学重点】重点:Money and Banking 难点:Evolvement of money and banks 【教学要求】能够对于商务活动的流程、基本要素有一定了解第四单元 Shopping 【教学内容】了解:购物方面的知识理解:两篇阅读文章内容掌握:文中出现的一般术语和商务术语【教学重点】重点:Is This the Future of Shopping?难点:Shopping prospect 【教学要求】能够对于商务活动的流程、基本要素有一定了解第五单元 Stock Exchange 【教学内容】了解:国内外证券市场的基本知识理解:两篇阅读文章内容掌握:文中出现的一般术语和商务术语【教学重点】1. History of the Exchange2. The New York Stock Exchange Dominates the World本单元难点:Evolvement of Stock Exchanges and presentation of NYSE 【教学要求】1能够对于商务活动的流程、基本要素有一定了解2.掌握股市变化术语。

unit3 新技能英语高级教程1

insist on表达的是坚持,一般是insist on something或 insist on doing something,坚持某事,或坚持做某事.
He insisted on taking the bus.他坚持要座汽车.
Unit3 Where did you money go
1.Where did your money go in the first few months at college?
2. Is the money enough for your spending?
美容化妆品 beauty cosmetics
grandstand. 一位愤怒的球员将他的球拍踢向了看台。
2. Jack was furious with his London doctors for having misled him.
杰克对伦敦的医生欺骗自己的行为感到非常生气。 Fast and furious 速度与激情
Be short of 缺少，短缺 Be short for 缩写，简写
What do you think of our new desingn? 问观点的要具体回答
Shall I…..? Would you…..? May I…..? Can I ……? 回答方法：yes , of course
yes, go ahead No/sorry, I am afraid you can't certainly/sure/good idea/ok
聚会，聚餐 eat out with friends
约会
date
零食，饮料 snacks & drinks
服装，饮食 diet & clothing

Chapter 3 Money and payments

6
Gresham’s Law and Money in POW Camps
• Other examples of Gresham’s law
– Bimetallism era in the U. S., 1792-1873
• Coins valued at $1 or less were made of
• Remove some tobacco from good cigarettes
to roll into a hand-rolled cigarette
– Reducing the quality of the good cigarettes – Increasing the number of bad cigarettes
© 2012 Cengage Learning. All Rights Reserved. May not be copied, scanned, or duplicated, in whole or in part, except for use as permitted in a license distributed with a certain product or service or otherwise on a password-protected website for classroom use.
5
Gresham’s Law and Money in POW Camps
• Whenever two different types of money circulate
– With a fixed rate of exchange between them – People hoard the good one (machinerolled cigarettes) – Use the bad one (hand-rolled cigarettes) as a medium of exchange

Unit3重点短语人教版九年级英语全册

九年级Uni3重点短语1. buy some stamps买一些邮票2. get some money取些钱3.a pair of 一对... 一双...沿着.走5.on one's right/left在...右/左边turn left/right 向左/右转6.beside =next to 在... 旁边besides 除...之外7.pass sth to sb=pass sb sth递给某人某物go past=pass by经过8. be excited about 对.. 感到兴奋be excited to do sth对做...感到兴奋; 以....开始start doing/to do ... 开始做....10 e on.快点;加油;来吧.11.hold one's hand抓住某人的手12.at first 首先;起初13.rush to do sth 赶紧去做in a rush 匆忙地rush off 匆匆离开14.pardon sb for doing 原谅某人做....15.suggest sth to sb 向某人建议某事suggest doing sth建议做某事make a suggestion提出一个建议16.on one's way to...在x人去..的路上by the way 顺便说一下in a way 在某种程度上in this way 以某种方式in the way 妨碍，阻挡lose one's way 迷路all the way 总是，一直17.walk up to...向..走去18.at that time 在那时19.be busy doing sth忙于做x事;be busy with sth忙于x事ell sb (not) to do sth告诉某人(不)做某事tell sb sth=tell sth to sb告诉某人某事21.It's convenient for sb to do sth. 对...来说，做..是方便的22.the corner of......的角落/拐角处at the corner of 在... 拐角处in the corner of 在... 角落里23.be polite to sb对...有礼貌24.request sth from sb 向..请求某事request sb (not) to do sth. 请求某人（不）做...request+that 从句make requests 提出请求25.in the direction of 在.. 方向26.That is because+句子那是因为...（用来说明原因）That is why +句子那是...的原因（用来说明结果）27.lead into 引入lead to 导致，造成28.enough to do sth足够做事29.in different situations在不同的情况下30.depend on依靠于;取决于31.spend time (in)doing sth花费时间做某事;spend time on sth在某事上花费时间32.be sorry to do sth很抱歉做事33 municate with sb和...交流34.discuss sth with sb和...讨论...35.speak to sb和...讲话36.parking lot 停车场37.for the first time第一次38.would like to do sth= want to do sth= feel like doing sth想要做...39.seem to do sth.似乎做...seem to be adj./n. 似乎...40.look forward to doing sth期待做...41.on time 准时in time 及时at times 有时at the same time 同时42.why don't you +V原?=why not+原?为什么不做某事呢?.43.be ready 准备好be ready for 为.. 做好准备get ready to do 准备做...。

人教版必修三英语 Unit 3 百万英镑 Act,scene 3,scene 4课文加翻译

人教版必修三英语Unit 3 课文加翻译Unit 3 THE MILLION POUND BANK NOTE百万英镑Act I, Scene 3第一幕，第三场NARRA TOR: 旁白：It is the summer of 1903. Two old and wealthy brothers, Roderick and Oliver, have made a bet. 1903年的夏天，一对老年又富有的兄弟，罗德里克和奥利弗，打了一个赌。

Oliver believes that with a million pound bank note a man could survive a month in London. 奥利弗认为，一个人靠一张百万英镑的钞票在伦敦能活一个月。

His brother Roderick doubts it. 他的兄弟罗德里克对此表示怀疑。

At this moment, they see a penniless young man wandering on the pavement outside their house. 这时，他们看见一个身无分文的年轻人在房子外面的人行道上游荡。

It is Henry Adams, an American businessman, who is lost in London and does not know what he should do.他叫亨利·亚当斯，一个美国商人，在伦敦迷了路，不知道该怎么办。

RODERICK:Young man, would you step inside a moment, please?罗德里克：年轻人，请你进来一会儿，好吗？HENRY: Who? Me, sir?亨利：先生，你叫谁啊？是叫我吗？RODERICK:Yes, you.罗德里克：是的，就是你。

OLIVER: Through the front door on your left.奥利弗：从你左侧的前门进来。

人教版高中英语必修三Unit3TheMillionPoundBank-Note课文知识点解析

No oቤተ መጻሕፍቲ ባይዱe likes being stared at.
没有人喜欢被别人盯着看。
13.I didn’t know whether I could survive.
我不知道我能否幸存下来。
survive “幸存，从……中逃脱”，既可为及物动词，又可为不及物动词。
e.g.The house survived the storm.
was/were about to do when....“正打算……这时……”
e.g.I was about to leave home when something unexpected happened.
我正打算离家这时发生了意想不到的事情。
3.It is the summer of 1903，and Henry Adams，an American businessman，has had some very bad luck.
e.g.I wonder who he is.
我不知道他是谁。
I wonder where they come from.
我不知道他们是哪里的人。
(2)mind doing sth. 反对……，介意……
主要用于否定句、疑问句和条件句等。
e.g.Did she mind not getting the job?
我听见那个女孩正在房子里唱歌。
比较：hear sb. do sth. 听见某人做过某事
e.g.I heard the girl sing a song yesterday.
我昨天听见那个女孩唱了一首歌。
hear sth./sb. done 听见某人/某事被……
e.g.I heard my name called in the street.

新视野unit 3 核心词汇

1.scholarship: n.1)[U] the knowledge, work or methods involved in serious study 学问；学识；学术研究This book series is regarded as a magnificent work of scholarship.这套丛书被认为是学术巨著。

2)[C] an amount of money given to sb by an organization to help pay for their education 奖学金She won a scholarship to study at Stanford.她赢得了奖学金得以在斯坦福求学。

scholar: n.1)a person who knows a lot about a particular subject because he has studied it in detail 学者He was the most distinguished scholar in his field.他是这一领域成就最为卓著的学者。

2)a student who has been given a scholarship to study at school, college or university; 奖学金获得者a Rhodes scholar 罗兹奖学金获得者3)a clever person who works hard at school 聪颖勤奋的学生I was never much of a scholar. 我从来不是那种用功的学生。

scholarly adj 勤奋好学的，有学问的，学术的，学术性的2.transform vt. ~ sth/sb (from sth) (into sth) completely change the appearance, form, or character of sth.or sb., esp. in a way that improves it 使改观，使变形，使转化The president of the university said that they were trying their best to transform their university into a top school in the country.这个大学的校长表示，他们正竭尽全力把他们的学校建设成为全国的一流大学。

必修三Unit3_The_Million_Pound_Bank_Note_——百万英镑

② I wonder how they got lost and whose fault it was. 我想知道他们是怎么迷路的，又是谁的过错。 ③He is such a man who is always finding_fault_with other people.他是一个总爱挑别人毛病的人。
栏目导引
Unit 3
The Million Pound Bank Note ——百万英镑
①(牛津P1946)I finally spotted my friend in the crowd.
我终于在人群中看见了我的朋友。
②The bus overturned，leaving seven
知) that Americans like to eat a lot.
栏目导引
Unit 3
The Million Pound Bank Note ——百万英镑
5．疑问词ever引导的让步状语从句和名词性从句 You must come __________________( whenever you want 无论你什么时候想要) and have __________________(你喜欢的任何东 whatever you like 西)．
①The happy scene of children playing in the garden disappeared，and it was quiet again.孩子们在花园里高兴地玩的场面消失后，花园又安静了下来。 ②(牛津P1779)Firefighters were on_the_scene immediately. 消防队立刻赶到现场。
栏目导引
Unit 3
The Million Pound Bank Note ——百万英镑

Unit 3Function of Money

* Passage 3 The time spent trying to exchange goods or service is called a transaction cost. transaction cost: 交易成本在商品和服务交易上所花的时间叫做交易成本。
Why is the transaction cost high in the barter economy?
In a barter economy, transaction costs are high because people have to satisfy a “double coincidence of wants”—they have to find someone who has a good or service they want and who also wants the good or service they have to offer. double coincidence of wants: 需求的双重巧合在物物交换经济中，由于人们必须满足“需求的双重巧合”，即找到某个既拥有自己所需要的商品或服务，又需要自己所能提供的商品或服务的人，因此交易成本很高。
* Passage 5 As this example shows, money promotes economic efficiency by eliminating much of the time spent exchanging goods and services. 这个例子告诉我们，货币的使用节约了耗费在商品和服务交易上的大量时间，提高了经济效率。 It also promotes efficiency by allowing people to specialize in what they do best. 同时，它还使人们精于所长，提高了工作效率。

新通用大学英语综合教程第四册听力及答案-Unit-3

UNIT 3 Money MattersUnit Goals♦Talk about your financial goals♦Express buyer’s remorse♦Describe your spending habits♦Discuss reasons for charitable giving♦Write a position about the themeLesson 1Lead-inOn-the-Street Interview: I’m a little better about saving…A.Match each statement with the person who said it. You will use one nametwice.1. b2. c3. b4. aB．plete each sentence with the correct name1. Joe2. Deepti3. Deepti4. Joe5. Deepti6. LisaVIDEO SCRIPTInterviewer: So tell me a little bit about you and money—whether you are good at saving, or can you save for something special. Do you just blow all your money as soon as you have it?Deepti: Well, when I was growing up in India, my parents were, you know, very open and free wi th money. So if I wanted something, they would say, “OK, you can go ahead and take this.” And I think that spoiled me a little bit, because I would just, whatever I wanted, I’d take the money and go buy it, and I didn’t really realize the importance of saving money. So when I grew up, I was twenty-two, and I left India to go to Singapore, and I was on my own, and I had a scholarship, and my father would, on the phone, he would ask me, “So, how much money have you saved?” And I was like, “What are you talkin g about? I’m not saving any money.” And he got married, and he wanted me to start saving money. It was very hard for me to save money because I would go out and walk past a shop that had clothes and go, “Oh, I want that,” and I would go in, get it, and be really happy. It made me happy, you know. But, I think after a year or so when I realized that I had to take care of myself, not only now, but let’s say a year from now, and a year from now I might not have the money that I’m getting now, so I have to star t saving so that I’m not, you know, no the streets without any money. So I started saving, but I still had a hard time with it. My sister is very good. She is very stingy with money, you know. And when I was in India, I would tell her, “Oh e on, go on, spe nd the money. You know, if you want something, go get it.” And she would always tell me,” You should think about our parents. They’re making all this money for us, but we shouldn’tspend it just like that.” I think now I am a little better about saving, bu t not very good. Not as good as I could be.Joe:I think I’m very good at handling money. I save when I need to; I spend when I would like to. I try to keep control of my funds so that I don’t end up in situations where I don’t have money to pay for basic necessities. But I do feel that you should spend money that you have while you have it and while you’re here, as opposed to saving it for a rainy day that never es.Interviewer: And saving, what are you trying to do to save? Have you made a plan? Lisa: I have made a plan. I, what I do now is just take out a certain amount of money at the beginning and save it. I just put it away before I even really see it. So that way I can like build up and spend whatever else I have.Interviewer: And is that working?Lisa:It’s going pretty well. It’s going pretty well. I have a little bit of something saved up.ListeningPart 1Talk About Saving MoneyA.Read and listen to a conversation between two friends about saving money. Teaching SuggestionsStep 1Have students look at the pictures. Ask What is it?What do you think it’s used for?Step 2Then ask How do children save money in this country?Step 3After students read and listen, ask What did Judy buy?(an entertainment system) Did she pay in cash or by credit card? (in cash) Is she rich? (No. she had to save up for it.) How did she save enough money? (She cut back on spending; She started living within her means.)Step 4To draw on students’ own experiences, ask Have you ever put money aside to buy something you wanted, such as an entertainment system, a puter, a bicycle, or a car? Encourage students to share their experiences. Ask Was it hard to save the money you needed?Language note: Students may need help with the following words or expressions: strike it rich (suddenly make a lot of money); cut back on (reduce the amount, size, cost, etc., of something); out of hand (impossible to control).Save, save up, put money away, and put money aside have the same meaning. (The latter is introduced in lesson 2.) They can be followed by an infinitive or for and a noun. For example, I want to put money aside to buy a car; I’m saving up for a new car; I’m putting money away for a down payment.Kind of is an expression used in spoken English meaning slightly or in some ways.Culture note: A piggy bank is a container used mainly by children to store coins. Piggy banks are to encourage good saving and spending habits: the pig must be broken open for the money to be retrieved, forcing the child to justify his or her decision. The name piggy bank originated in the twelfth century; pygg referred to a type of clay used for making jars people stored their money in. By the eighteenth century, the term pygg jar had evolved to pig bank.Option: On the board, write the following expressions:Did you strike it rich?My bills are totally out of hand.I need to live within my means.I cut way back on spending.In pairs, have students think of different ways to say each expression. 〔+5-10 minutes〕B. Pair Work Listen to the conversation again. Then discuss the questions andexplain your answers.1. No, she does not.2. No, he is not.3. She had a lot of credit card debt.4. She cut back on her spending.5. She has a high financial IQ.6.The answer will vary.Teaching SuggestionsStep 1Have pairs discuss the questions. Review the answers to questions 1-5 as a class. Call on students to share their explanations.Step 2Have volunteers share whether they are more like Judy or David and give a supporting reason. (Possible responses: I’m more like Judy because I try to live within my means; I identify with David because I spend a lot of money on bills.) Step 3Have a volunteer read the statements out loud. If necessary, clarify the meaning of I can’t make ends meet. (The money I earn every month is not enough to cover my expenses.)Step 4Point out the useful language to talk about managing money: live within / beyond your means; keep track of your expenses; put money away into saving; pay your bills off / in full; make ends meet. Have students underline these expressions. Step 5Have students choose the statements individually.Step 6As pairs pare their answers, encourage them to give specific examples for each item. For example, I live beyond my means. When I go shopping, I just can’t helpbuying the things I like.Step 7Ask What habits would you like to change, if any? What can you do to raise your financial IQ? (Possible response: I only keep track of my most important expenses.I think I should buy some financial planning software to get better organized and keep track of all my expenses.)Step 8To review, have volunteers talk about their money spending / saving habits with the class.Part 2Describe Your Spending HabitsA.Listening prehension.Read the statements. Then listen to a radio call-in show and check True or False.1.T2. T3. F4. FScript( L = Lara Savino, U.S, New York; S = Steve )L: Wele back to Money Talks. I’m still your host, Lara Savino. We’ve got some listeners on the line with financial questions. Let’s go to our first caller …Steve, you’re on the air. Talk to me.S:Hi, Lara. I’m afraid I’m really having problems making ends meet.L: Tell me about it.S: I earn a good living, but it seems like no matter how much money I make, I can’t seem to catch up.L:Believe me, you’re not alone, Steve.S: Sometimes it feels that way.L: Let me ask you something. Do you put anything away for a rainy day?S:You mean savings? No way. There’s never enough for that.L:Well, here’s a tip for you, Steve. From now on when you spend money throughout the day …?S: Uh-hmm.L:Don’t spend any of your change. When you get home every evening, put your loose change in a jar. You’ll be surprised how much you’ll have saved up in even a few weeks.S: Wow! I never thought of doing that.L:And put that change you’ve saved up in the bank—say, once a month, OK? S:OK. I’ll try that.L: Steve, what about debt? Are you maxing out on your credit cards?S:Well, yes, I do use credit cards, if that’s what you mean.L: Do you pay you bills on time?S: I try to.L: Do you pay the minimum, or do you pay off the whole thing each time.S: Well, it kind of depends on how much it is.L: Well, are you drowning in credit card bills, or have they been fairly reasonableso far?S:Well … I guess I’d have to say I’ve been drowning in debt.L:OK, Steve. Here’s what I want you to do. How many credit cards do you have? S: Maybe ten or twelve.L:Steve, that’s a lot of cards. Decide which two you want to use regularly, OK? S: OK.L: Take all the other cards and cut them up.S: Cut them up?L: You heard me. Cut them up. You can get along just fine with two credit cards. If you’re using ten or twelve credit card, Steve, that tells me there’s something wrong with this picture. You see what I mean?S: Well, I’m not sure.L:Steve, if you want to keep your head above water, you’ve got to live within your means. That means spending less than you’re making, not more.S: Oh.L:OK, Steve. Here’s one other thing I’d like you to do.S: Yeah?L: Sit down and plan a budget for yourself.S: A budget?L:That’s right. If you feel like your finances are out of control, then you need to take the bull by the horns and take control of your finances. You follow me? S: I think so.L: Sit down and make a list of all your regular expenses. Keep track of how much you’re spending on everything and I mean everything, OK? Try that for three months and see if it doesn’t help you out.S:OK, I’ll give it a try.L: And Steve.S: Yeah?L: When you plan that budget, make sure you treat yourself to something nice once in a while, OK?S: Really?L:You bet. If your budget is nothing but don’t spend, don’t spend, it isn’t going to work. Know what I mean?S: I hear you.L:Good luck, Steve. Next caller. You’re on the air! Talk to me!Teaching SuggestionsStep 1Have students look at the photo and read the caption. Ask What do you think the woman’s occupation is? (a radio host) Do you ever listen to the radio? What kind of programs do you listen to? What kind of show do you think Lara Savino hosts? Step 2Pre-listening: Ask What’s a radio call-in show? (a radio program in which peoplecall to give their opinions or ask questions)Step 3Have students read statements 1-4.Step 4First listening: Have students listen and decide if the statements are true or false. Step 5Second listening: Have students listen for information to support their answers. Encourage them to take notes.Step 6Review as a class. Have volunteers share their answers. (Possible answers: 1. True. Steve says he can’t make en ds meet and never has enough money to save. 2. True. Steve says he’s drowning in debt. 3. False. Steve says there’s never enough money to put any away in savings. 4. False. Lara suggests that he try to keep a budget for three months. He hasn’t started yet.)Language note:When Lara Savino asks Steve if he’s maxing out on his credit cards, she’s asking if he reaches the maximum credit limit on his credit cards each month. Buying on credit is an arrangement with a store, bank, credit card pany, etc., that allows you to buy something now and pay for it later. A budget is a careful plan of how you will spend money.B. Now listen again. What are the three tips Lara Savino gives the caller?1. Save his change and put it in the bank2. Only have two credit cards3. Sit down and plan a budget .Teaching SuggestionsStep 1Have students listen for the three tips Lara gives.Step 2Have students pare answers with a partner. If necessary, have them listen again for confirmation.Step 3Review tips as a class. Have volunteers share the tips with the class.c.Vocabulary. Describing spending habits. Listen and practice.Teaching SuggestionsStep 1Have students listen to the words and study the definitions. Then have students listen and repeat the words chorally.Step 2Point out that some of these words have a positive connotation, some have a negative connotation, and one is neutral.Step 3Have pairs read the definitions carefully and decide the connotation of each word. Step 4To review, write the column headings Positive, Negative, and Neutral on the board and have students say the vocabulary words for each column. (Positive: generous, thrifty, frugal; Negative: a spendthrift, a cheapskate, a tightwad, cheap, stingy; Neutral: a big spender)Vocabulary-Building StrategiesOption: Have students think of someone they know whose spending habits they would describe using one or more of the vocabulary words. In pairs, have students describe that person’s habits. To review, have volunteers tell the class about the person their partners described. 〔+5 minutes〕D.plete the sentences about people’s spending habits.1. a cheapskate/a tightwad2. generous3. cheap/stingy4. a big spender5. thrifty/frugal6. a spendthriftTeaching SuggestionsStep 1Model the first item with the class. Point out that to choose the right words, students should take into account both meaning and grammar. For example, in item 1, cheap and stingy match the context, but a noun is necessary, so the correct answer is a cheapskate or a tightwad. Point out that more than one word might be possible.Step 2Have students pare answers with a partner. Then review as a class.SpeakingA.CONVERSATION SNAPSHOTTeaching SuggestionsStep 1Have students look at the photo. Ask What kind of electronic product do you think this is? (an MP3 player) Elicit from the class that an MP3 player is an audio player onto which you can download songs from online music stores or from your own collection of music stored in your puter to listen to.Step 2Have students read and listen to the conversation. To check prehension, ask What did the man buy? (a new MP3 player) Is he happy with it? (no) Why not? (because it’s very hard to operate) Did he know this before buying it? (no. otherwise, he would have bought a different brand.)Step 3To draw on students’ own experiences, ask them if they have an MP3 player. If some students have one, ask Are you happy with it? Is it hard to operate? What brand is it? How long does it take to download a song?Language note: Students may need help with the following expressions: Lucky you(used to say that someone is fortunate); to tell you the truth(used to emphasize that you are being very honest); I could kick myself (said when you are annoyed with yourself because you have realized that you made a mistake or missed a chance); What a pain! (used to say that something is very annoying); You’ve telling me(used to emphasize that you already know and agree with something that someone has just said).Rhythm and intonation practiceStep 1Have students repeat chorally. Make sure they:○ use emphatic stress for you in Lucky you!○ pause slightly after truth in Well, to tell you the truth . . .○ use falling intonation but higher pitch for What do you mean?○ use emphatic st ress for hours in It took me hours to figure out . . .○ use emphatic stress for me in You’re telling me.○ use the contracted form would’ve in. . .I would have gotten . . .○ use the following stress pattern:STRESS PATTERN——· ——· · · —· ·· —· · ——·——A: Hey, I heard you got an E-tec M P 3 player. Lucky you!——·——· · ——· · ——· ·B: Well, to tell you the truth, I could kick myself.——· · ——A: What do you mean? · · —· —· · · · ——· —·· · · · ——· ·· · ··B: I had no idea it would be so hard to operate. It took me hours to figure out how to——· · ——download a song.——· ——A: What a pain!——· · ——· · ——· · · ——·· ——· ——B: You’re telling me. Had I known, I would have got ten a different brand.B.Vocabulary. Expressing buyer’s remorse. Listen and practice.Teaching SuggestionsStep 1Elicit the meaning of buyer’s remorse from the class. (a strong feeling that it was a mistake to have bought something)Step 2Have students listen to the statements and look at the illustrations. Then have students listen and repeat chorally.Step 3To check prehension, have students look at each picture and ask What is the woman spending a lot of money on? (car service) What is too big for the man’s room? (the TV) What is the man trying to figure out? (how to put the second system together) Why is the food processor collecting dust in the closet? (because nobody uses it)C.listening prehension. Listen to the conversations in which people regret havingbought something. plete each statement by inferring the reason for buyer’s remorse.1. b2. a3. b4.b5.aScriptConversation 1F: Wow, what a great juicer! That’s even big enough for my family!M: Actually, I hardly ever use it. It’s way too big. I have such a small kitchen. F: So, why’d you buy it?M: I got it on sale—at a great price.Conversation 2M: Isee you bought a digital camera. How do you like it?F: Well, I might like it if I could figure out how to use it. Truth is, it’s a pain in the neck.M: What do you mean?F:It has way too many features. Believe me, if I had known you couldn’t just point and shoot, I never would have gotten it.Conversation 3F1: Hey, I love your new exercise bike! It must be great having one of those.F2: Well, yes and no.F1: What does that mean?F2:I like it, but I guess I’m just a couch potato. I just don’t use it enough. Conversation 4M1: What a cool sound system! You just get it?M2: Yeah.M1: Look at all those pieces. When are you going to put it all together?M2:Well … that’s a problem actually. There are so many ponents. And the instructions don’t help at all. Look.M1: Whoa! That looks pretty plicated.M2: Had I known how plicated it was going to be, I would have gotten a different model.Conversation 5M: Love your new car! You must be on cloud nine driving that thing!F:Oh, it’s fun to drive, but I’m not so sure it’s worth it.M: Really? Why?F:You wouldn’t believe it. Between the premium gas and visits to the mechanic … It’s costing me an arm and a leg!M: Ouch!F:I can’t afford to drive it! Probably wouldn’t have bought it had I given it more thought.Teaching SuggestionsStep 1First listening: Have students listen to the five conversations and identify what each person has bought. Review as a class. (1. a juicer, 2. a digital camera, 3. an exercise bike, 2. a sound system, 5. a car)Step 2Second listening: Have students listen and plete the statements.Step 3Third listening: In pair, have students write down phrases from the conversations to s upport their answers. Review as a class. (1. “It’s way too big.” 2. “I might like it if I could figure out how to use it.” 3. “I just don’t use it enough.” 4. “There are so many ponents. And the instructions don’t help at all.” 5. “. . . it’s costing me an arm and a leg!”ReadingText ABackground Information （少）Key Words and ExpressionsAquarium n.玻璃养鱼缸We went to Stanley Park and the aquarium，up GrouseMountain，and to museums and galleries.The colorful and active platy provides a vivid contrast to therich green plants in your aquarium.bulky adj.体积大的To protect himself, Ruiz used to wear a bulletproof vest underhis suit jacket, but the vest was bulky and hot.Traditional lithium-ion batteries have carbon electrodes, whichare relatively bulky for the energy they provide.gadget n. 小机械；小装置Are you looking for a cool back-to-school gadget?A corkscrew is a very useful gadget for opening bottles of wine.purchase v.购买Employees are encouraged to purchase sharesin the firm.The new couple spent some money for the purchase of thefurnature necessary for their new house.remorse n.懊悔；悔恨He was filleed wuth remorse for having refused to visit his dyingfather.In a fit of remorse she burnt all her lover,s letters.screwdriver n.螺丝起子You turn the screws round and round with a screwdriver.I can't find a screwdriver but this file should serve the purpose.spin v.快速旋转；（车子）飞奔Her top spin, back spin and side spin contributed a lot to herwinning of the final.It takes Pluto 248 Earth years to spin around the Sun.tropical adj.热带的；炎热潮湿的I perfer to eat tropical fruits.Some animals can not indure tropical climate.wagon n..四轮运货马车；运货牛车Among the remains of a scorched wagon,you find three corpses and a Wand of Fire.A four-wheeled, open, box-shaped wagon or iron car run on tracks in a coal mine.wrap v. 包，裹（某物）；用（东西）把…裹起来I wrapped the rug around the sick man's legs to keep himwarm.The assistant wrapped it up for her as quickly as possible. Teaching Suggestions 少Reference Translation购买礼物者指南选择礼物时要考虑的事情你总是经历过一个购买者的后悔心态的——那种后悔的感觉往往来源于购买了那些不需要的或者根本不该买的东西。