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1、HIGHER SUCESSWITHBEC MODULE5 BusinessTopicMoneyandfinance 4 1Businesstopic MoneyandFinance4 2businessskills Discussingoptions4 3Examspotlight ListeningTest Parttwo MODULE5 MODULE5 Contents 1 Moneyexpression vocabulary 2 Acultureofdebt 3 Choosinganinvestment 4 Companyfinance 5 Businesscost 6 discussi
2、ngoptions 5 1Moneyandfinance consumerconfidence security invoice flowchart mortgage realestate guzzle negativeequity down payment equity 消费者信心 担保 发票 开发票 生产流程图 抵押 不动产 房地产 资产净值 股票 证劵 大量消耗 燃料 负债资产 定金 首付款项 assets 资产 equation 综合体 lease leverage 租赁期限 杠杆作用 影响 VOCABULARY gross liabilities variablecost fixed
3、cost debtor creditor retainedprofit accountsreceivable accountspayable dividend 总的 毛重的 债务 负债 可变成本 固定成本 债务人 债权人 股息 红利 留存利润 应收账款 应付账款 financialstatement 财务报表 annualreport 年度报告 snapshot balancesheet 快照 简短描述 资产负债表 VOCABULARY 5 1Moneyandfinance profitaftertax netprofit incomestatement currentassets cashf
4、low operatingincome administrativecost materialcost overhead plc 税后利润 净利润 损益表 流动资产 现金流 营业收入 公共股份有限公司 管理成本 材料成本 一般管理费用 企业 distributioncost 运输成本 bankcharges 银行手续费 operatingexpenses margin 营业费用 盈余 利润 VOCABULARY 5 1Moneyandfinance Lead in VOCABULARY 5 1Moneyandfinance It sexpensivetoborrowmoney Pursuing
5、moneyonlymakesyouneglectthemoreimportantthingsinlife Moneyoftencoststoomuch RalphWaldoEmerson Essayist Quotations understanding Moneyisn teverythingTherearemanyotherthingsintheworldthatcannotbeboughtwithmoney suchashealth life happiness friendship love etc Ahungerformoneypushesustoworkharderandlonge
6、rinanefforttoobtainevenmoremoney thusruiningourhealth Lead in MoneyExpression VOCABULARY 5 1Moneyandfinance Moneyexpression VOCABULARY 5 1Moneyandfinance Speaking ABANKLOAN 5 1Moneyandfinance 1 Howmuchdoyoueranayear 2 whatkindofsecuritycanyouoffer 3 Howmuchisyourhouseworth 4 howmuchmoneyhaveyousaved
7、 5 howmuchmoneydoyouspendeachmonth 6 Doyouhaveanysharesandbonds 7 Doyouhaveanydebts 8 Forwhatdoyouwanttoborrowmoney Preparedquestionsforbankmanager 5 1Moneyandfinance Speaking ABANKLOAN 1 Whatistheinterestrate 2 WithinhowmanyyearsshouldIrepaytheloan 3 HowmuchmoneycanIborrow Preparedquestionsforloana
8、pplicant Acultureofdebt 5 1Moneyandfinance Here soneperspective Moneymakestheworldgoround Banksencouragedtolead Credit easyandcheap fundsconsumerspending Consumerspendingfuelseconomicgrowth Personaldebtbecomesacceptableandincreases Debtlevelssustainableaslongasassetvaluesrisefasterthandebt Assetsgou
9、panddowninvaluebutliabilitiesremainthesame Debtisgood AlanGreenspan 5 1Moneyandfinance Acultureofdebt Brainstorm Nameasmanysourcesofpersonalcredit debtasyoucanthinkof Whydolenderslend 5 1Moneyandfinance Acultureofdebt Sourcesofpersonalcredit debt Creditcards Personalbankloan Hirepurchase Mortgageloa
10、n Creditunionloan Securedloan Carfinance Storechargecards Overdraft Re mortgageloan Storecredit Businessloan Venturecapital Borrowfromafriend AcultureofdebtSomequestions Candebtbegood Isiteasytogetcredit borrowmoneyforanewcomputer car ahouse WhatisthegeneralattitudetoborrowinginChina Isconsumerconfi
11、dencehighinChinaatthemoment HowhasChina seconomicsuccessimpactedyourlife Now let slistentothelectureandcompleteexercises6 7onpage47 Takenotesasyoulistenandgetreadytoexplainthe gist tome 5 1Moneyandfinance 5 1Moneyandfinance LISTENING Acultureofdebt ThelegacyofAlanGreenspan 1 creditanddebt2 theGreatD
12、epression3 college4 mortgage5 low6 irresponsibly7 down payment8 economicgrowthcontinues9 save their money10 12trillion11 atimebomb12 indefinitely Grammar EnergyconsumptionintheUSA 1 by2 not3 than4 far much5 nearly almost6 exactly practically precisely7 at8 most 5 1Moneyandfinance 5 1Moneyandfinance
13、Exercises5 6onpage49 choosingandinvestment Studytheinformationprovidedoneachoftheinvestmentopportunities Discusstheoptionswithapartner whichdoyouthinkisthebestinvestment Considertheprosandcons advantages disadvantages Draftalistofprosandconsforeachandcomparethem Decidewhichoneyouwouldinvestin Usethe
14、languageinEx 6 Statingpreferences toexplainthereasonsforyourchoicetome Grammar Choosinganinvestment Statingpreferences 5 1Moneyandfinance Languageforstatingpreferences PersonallyI dgoforoption because Ithinkoption hasmuchmoregoingforit Mypreferencewouldbeoption We dbebetteroffbuyingoption because Op
15、tion offersbetter TheonlydisadvantageIcanseewithoption is Ihaveseveralreservationsaboutoption first Ithinkoption hasseveraldrawbacks Option ontheotherhand Allinall option representsthebestsolutionbecause Grammar Choosinganinvestment Statingpreferences Companyfinances Current Gross Assets Income Vari
16、ablecosts Profit Dividends Creditor Accountspayable Profitable 5 1Moneyandfinance Unprofitable Accountsreceivable Retainedprofit Debtor Loss Long term Net Liabilities Expenditure Fixedcosts Matchthefinancialterms oppositesinsomecases Exercise2page50 Understandingfinancialstatements Tomakegoodinvestmentdecisionsyouneedtounderstandthebusinessyou reinvestingin Completeexercise3onpage50usingthewordsfromexercise2 Balancesheet Incomestatement Companyfinancialhealth 5 1Moneyandfinance 5 1Moneyandfinanc
