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1、国际交流英语视听说国际交流英语视听说国际交流英语视听说国际交流英语视听说Unit 5Money in Our LivesBook 4国际交流英语视听说国际交流英语视听说国际交流英语视听说国际交流英语视听说Think and DiscussViewing the WorldExploring the ThemeAnalytical ListeningSharing Your IdeasEngagingFurther ListeningContent国际交流英语视听说国际交流英语视听说Think and DiscussUnit 5 Unit 5 Money in Our LivesMoney in
2、 Our LivesT Think and Discusshink and DiscussQuestionsA man in Alaska uses a laptop computer while sitting on a snowbank.T Think and Discusshink and Discuss1. What is happening in this photo? Read the caption. Does this activity surprise you?2. The desire for money is the root of all evil. Does this
3、 seem true to you? Why or why not?QuestionsT Think and Discusshink and DiscussExample Answers In this photo, friends have pinned money to a mans suit during his birthday party in New Orleans, Louisiana. This activity does surprise me because Ive never seen this kind of monetary gift. Usually the mon
4、ey is put in an envelope. This activity doesnt surprise me because Ive seen this kind of monetary gift at weddings. The guests pin money to the brides wedding dress in some cultures.Questions1. What is happening in this photo? Read the caption. Does this activity surprise you?T Think and Discusshink
5、 and DiscussExample Answers The saying does seem true to me because too many people commit crimes for money. The saying doesnt seem true to me because there is nothing wrong with wanting money as long as we dont hurt anyone in order to get the money. There are also many people who commit crimes for
6、other things, for example, love. Questions2. The desire for money is the root of all evil. Does this seem true to you? Why or why not?国际交流英语视听说国际交流英语视听说Exploring the ThemeUnit 5 Unit 5 Money in Our LivesMoney in Our LivesE Exploring the Themexploring the ThemeA | Look at the photos and the chart and
7、 read the captions. Then discuss the questions. Different currencies around the worldMoney in Our LivesE Exploring the Themexploring the ThemeToday, electronic money such as credit and debit cards is replacing paper currency. Many experts predict that the world will one day have a cashless economy.M
8、oney in Our LivesE Exploring the Themexploring the ThemeAs part of a yearly tradition, a girl gives a child money in a red envelope. Scientists are studying money to see how it affects our lives and our happiness.Money in Our LivesE Exploring the Themexploring the ThemeMany governments spend more mo
9、ney than they have. Publicdebt is money that is owed by a government. Unfortunately, public debt is growing. When debt gets too high, it can threaten the economy of a country.Public Debt Per PersonMoney in Our LivesE Exploring the Themexploring the ThemeDiscuss the questions.1. Twenty years from now
10、, how do you imagine you will pay for most things?2. What are some of the ways that money can affect peoples happiness?3. Which country in the chart has the largest public debt per person? Which country has the smallest? Does any of the information in this chart surprise you?Money in Our LivesE Expl
11、oring the Themexploring the Theme Example Answers Twenty years from now, I imagine we will pay for most things electronically. We will probably continue to use plastic cards, but we may also be able to use our cell phones, or even fingerprint or iris (虹膜) detection devices that can identify us and g
12、ain access to our bank accounts.Money in Our Lives1. Twenty years from now, how do you imagine you will pay for most things?E Exploring the Themexploring the ThemeExample AnswersNot having enough money for basic necessities can make people less happy. If people are stressed out and unhealthy because
13、 they cant afford to buy enough food for their family, or adequate clothing, housing, or medical care coverage, they will not be happy. On the other hand, people who have enough money probably wont be much happier if they get more money. They may feel a sense of security by having extra money, or th
14、ey may find satisfaction in giving the money to someone else who really needs it, but its probably true that money cannot buy happiness. Money in Our Lives2. What are some of the ways that money can affect peoples happiness?E Exploring the Themexploring the ThemeExample Answer 1 Japan has the larges
15、t public debt per person, and Kenya has the smallest public debt per person. The information in the chart does surprise me because the countries with the largest public debt per personJapan, Singapore, and the United Statesseem like countries that have enough money and would not need to borrow money
16、.Money in Our Lives3. Which country in the chart has the largest public debt per person? Which country has the smallest? Does any of the information in this chart surprise you?E Exploring the Themexploring the ThemeExample Answer 2 The information in the chart doesnt surprise me because the countrie
17、s with a lot of debt are usually the ones that can, in theory, afford to pay the money back. Japans economy hasnt been especially strong recently, but in general, it is a stable and wealthy country. Money in Our Lives3. Which country in the chart has the largest public debt per person? Which country
18、 has the smallest? Does any of the information in this chart surprise you?国际交流英语视听说国际交流英语视听说Analytical ListeningUnit 5 Unit 5 Money in Our LivesMoney in Our LivesA Analytical Listeningnalytical ListeningListening 1 A man works on a money-printing machine in Germany.A Analytical Listeningnalytical Li
19、steningListening 1 Regina Simmons 雷吉娜西蒙斯（ 人名）Elizabeth Dunn 伊丽莎白邓恩（ 人名）commitment n.（ 为某种目的对钱、时间和人力等的） 使用，花费Leaf Van Boven 利夫万博文（ 人名）Tom Gilovich 汤姆吉洛维奇（ 人名）Angus Deaton 安格斯迪顿（ 人名）Daniel Kahneman 丹尼尔卡内曼（ 人名）cease v. 停止commercial break n. 广告时间（ 电视或广播节目中插播广告的时间）A Analytical Listeningnalytical Listenin
20、gListening 1 University of British Columbia: a public university in the province of British Columbia, Canada. It was established in 1908, and has been one of Canadas leading research universities.不列颠哥伦比亚大学（加拿大）A Analytical Listeningnalytical ListeningA | Ranking Information. Read the situations abou
21、t money. How happy does each situation make you? Rank them from 1 (the happiest) to 5 (the least happy).Listening 1 _ having money in the bank_ spending money on items you want_ giving money to other people_ earning money_ receiving money as a giftA Analytical Listeningnalytical ListeningB | Discuss
22、ion. Form a group with two or three other students. Compare and discuss your rankings from exercise A. Take a group vote on which item should be ranked number 1 and so on. Then come up with a new ranking list for your group.Listening 1 A Analytical Listeningnalytical ListeningListening 1 Example Ans
23、wersS1: I ranked “having money in the bank” as number one because it gives me a feeling of security, and I like the process of saving money for something that I want.S2: I disagree. I ranked “earning money” as number one because it makes me feel independent if I earn my own money. S3: What did you r
24、ank as number two?A Analytical Listeningnalytical ListeningA | Listening for Main Ideas. Read the questions and answer choices. Then listen to a radio interview about money and happiness and choose the correct answers. A Radio InterviewListening 1 1. What does a recent study by psychologist Elizabet
25、h Dunn show?a. Spending money brings us more happiness than saving money.b. Spending money on others brings us more happiness than spending it on ourselves.c. Possessions bring us more happiness than experiences.bA Analytical Listeningnalytical ListeningA | Listening for Main Ideas. Listening 1 2. W
26、hat caused Dunn to research the relationship between money and happiness?a. She had more money and wanted to use it in ways that would make her happy.b. She lost her job as a professor and needed to live on less money.c. Her university asked her to study students happiness levels.aA Analytical Liste
27、ningnalytical ListeningA | Listening for Main Ideas. Listening 1 3. According to Dr. Simmons, what common error do people make when they try to buy happiness with money?a. They buy many things that they do not really need.b. They buy expensive things that they cannot afford.c. They only buy expensiv
28、e things.bA Analytical Listeningnalytical ListeningA | Listening for Main Ideas. Listening 1 4. In their study, what question did Leaf Van Boven and Tom Gilovich want to answer?a. Does having money in the bank make people happier than spending it?b. Does spending money on things help people think of
29、 themselves differently?c. Does money spent on experiences make people happier than money spent on items?cA Analytical Listeningnalytical ListeningA | Listening for Main Ideas. Listening 1 5. What did Angus Deaton and Daniel Kahnemans study reveal?a. Making more than a certain amount of money causes
30、 unhappiness.b. Making more than a certain amount of money doesnt affect happiness much.c. Making more than a certain amount of money brings greater happiness.bA Analytical Listeningnalytical ListeningListening 1 B | Note-Taking. Read the outline below. Then listen again and complete the outline wit
31、h what you hear. Happiness StudiesI. Elizabeth DunnA. Research question: Do people get more happiness from spending money on themselves or _?B. Experiment:1. Gave people _2. Asked some people to spend it _, others _ 3. At the end of the day, _ C. Result: _on other people moneyon other peopleon thems
32、elvesresearchers interviewed everyone people who spent money on other people were happierA Analytical Listeningnalytical ListeningListening 1 B | Note-Taking. Read the outline below. Then listen again and complete the outline with what you hear. Happiness Studies (Continued)II. Leaf Van Boven & Tom
33、GilovichA. Research question: What is the value of spending money on _ versus _?B. Experiment: _C. Result: _ _III. Angus Deaton & Daniel KahnemanA. Research question: Does more money = _?B. Experiment: _C. Result: _experiencesitemssurveys about experiences and items people who bought experiences wer
34、ehappiermore happinesssurveys about money and happinesslevel of happiness stops after $75,000A Analytical Listeningnalytical ListeningListening 1 Critical Thinking FocusSummarizingA summary is a shortened version of a text or listening passage that contains all of the main ideas and a few important
35、details. A summary usually includes (1) a general opening statement, (2) the main ideas, and (3) a concluding statement. The parts of the summary should be connected with transitions. A summary can be written or oral, and it should not include our opinions.A Analytical Listeningnalytical ListeningLi
36、stening 1 A | Summarizing. Get together with another group. Use your notes from exercise B in the Listening section to summarize the studies on money and happiness. Each student should summarize one study.A Analytical Listeningnalytical ListeningListening 1 Example Answer 1Here is the summary of eac
37、h study:Elizabeth Dunn wanted to know whether people were happier when they spent money on themselves or on other people. In her experiment, she gave people a small amount of money in the morning. She asked some of the people to spend it on themselves and asked others to spend it on other people. At
38、 the end of the day, everyone was interviewed. The result was that people who spent the money on other people were happier than those who had spent it on themselves.A Analytical Listeningnalytical ListeningExample Answer 2 Leaf Van Boven and Tom Gilovich wanted to understand the value of spending mo
39、ney on experiences as opposed to spending money on items. Their research used surveys to ask people how they felt about the items they bought compared to the experiences they bought. The result was that money spent on experiences made people happier than money spent on items.Listening 1 A Analytical
40、 Listeningnalytical ListeningExample Answer 3Angus Deaton and Daniel Kahneman wanted to know whether having more money brings people more happiness. They analyzed surveys written by thousands of people and found that making more than $75,000 a year doesnt significantly change ones level of happiness
41、. Listening 1 A Analytical Listeningnalytical ListeningListening 1 B | Summarizing. Get together with another group. Use your notes from exercise B in the Listening section to summarize the studies on money and happiness. Each student should summarize one study.1. Elizabeth Dunns study shows that gi
42、ving money away makes people happier than spending it on themselves. Why do you think this is true?2. Compare a time when you spent money on an experience with a time when you bought an item you wanted. Which purchase made you happier? Why?To be continued A Analytical Listeningnalytical ListeningLis
43、tening 1 B | Summarizing. 3. Can you think of a movie, play, or story demonstrating the theme that money doesnt buy happiness? Explain how it demonstrates that theme.4. Most people would agree that having money is a component of happiness. What are some of the other components of a happy life? Give
44、examples.A Analytical Listeningnalytical ListeningListening 1 Example AnswersI think this is true because most people are generous and have good hearts. If we can help someone, we usually do and feel happy.1. Elizabeth Dunns study shows that giving money away makes people happier than spending it on
45、 themselves. Why do you think this is true?A Analytical Listeningnalytical ListeningListening 1 Example Answer 1I once spent money on an airplane ticket to Hong Kong, where I visited an old friend. I also bought some new clothes for the trip. I didnt really care about the new clothes, but it meant a
46、 lot to me to spend time with my old friend.2. Compare a time when you spent money on an experience with a time when you bought an item you wanted. Which purchase made you happier? Why?A Analytical Listeningnalytical ListeningListening 1 Example Answer 2 Actually both of these two kinds of experienc
47、es could make me happy, but its true that spending money on experiences usually could make me happy for a much longer time than spending money on items, because a lot of experiences will finally become my cherished memories.2. Compare a time when you spent money on an experience with a time when you
48、 bought an item you wanted. Which purchase made you happier? Why?A Analytical Listeningnalytical ListeningListening 1 Example AnswersI have just seen a movie called Finding Mr. Right starred by Tang Wei and Wu Xiubo. In this movie, when the heroine Wen Jiajias selling all her luxury handbags in Seat
49、tle hopelessly, she must have realized that although money could buy numerous luxurious things, it can neither buy her a warm home nor a really nice man to live with. 3. Can you think of a movie, play, or story demonstrating the theme that money doesnt buy happiness? Explain how it demonstrates that
50、 theme.A Analytical Listeningnalytical ListeningListening 1 Example AnswersOther components of a happy life include having reasonably good health so that we can do the things we enjoy. Having good relationships with friends and family members is another component.4. Most people would agree that havi
51、ng money is a component of happiness. What are some of the other components of a happy life? Give examples.A Analytical Listeningnalytical ListeningDave Martin: Hello and welcome to Money Matters. Im your host, Dave Martin. Tonight were very lucky to have Dr. Regina Simmons of the Simmons Institute
52、here with us to talk about money and happiness. As usual, well be taking calls from you, the listeners. If you have a question for Dr. Simmons, please call in. Good evening, Dr. Simmons.Dr. Simmons: Good evening, Dave. Its great to be here.Dave Martin: The pleasures ours. Dr. Simmons, let me start b
53、y asking you this question: Whats the relationship between money and happiness?To be continued Listening 1 A Analytical Listeningnalytical ListeningDr. Simmons: Well, Dave, a recent study by psychologist Elizabeth Dunn at the University of British Columbia seems to show thatfor most of uswhat makes
54、us happy is giving money away, not spending it on ourselves. Thats what Dunn said in a recent interview with National Geographic.Dave Martin: Really? How did she discover that?Dr. Simmons: Well, it was when Dr. Dunn started making more moneyuh, when she got a job as a professor. She started to get i
55、nterested in whether money could buy happiness or not. She wanted to use the extra money she was making in ways that would bring her happiness. To be continued Listening 1 A Analytical Listeningnalytical ListeningDr. Simmons: As a scientist, she looked for studies and research on the subject of mone
56、y and its relationship to happiness. To her surprise, very little information on the subject existed. So Dr. Dunn decided to do some scientific research to see if people might get more happiness from using their money to help other people, rather than themselves.Dave Martin: Uh-huh. And how did she
57、research this topic?Dr. Simmons: Thats a good question. Let me give you an example. In one of her first studies, Dr. Dunn and her fellow researchers gave a group of people a small amount of money in the morning. They asked some of the people to spend it on other people, and some to spend it on thems
58、elves. To be continued Listening 1 A Analytical Listeningnalytical ListeningDr. Simmons: At the end of the day, the researchers interviewed everyone. The researchers discovered that the people who spent the money on other people were happier than those who had spent it on themselves. Since then, Dr.
59、 Dunn has completed a lot of other research on money and happiness.Dave Martin: Has she? Oh, excuse me, but I think we have our first caller. Hello, youre on the air.Caller 1: Uh, hello, I wanted to know what are some of the mistakes people might make if they try to buy happiness with money.Dave Mar
60、tin: Thank you, caller. Dr. Simmons?To be continued Listening 1 A Analytical Listeningnalytical ListeningDr. Simmons: Yes, well, one very common error is to make a major purchase such as a big house that you cant really afford. Many people simply assume that owning an expensive itema home or a carwi
61、ll make them happy. But, you know, buying a home is a big financial commitment, and in fact people often go deep into debt to buy one. Actually, there are no statistics to prove that owning a home makes people happy.Dave Martin: I see. Are there other studies relating money and happiness?To be conti
62、nued Listening 1 A Analytical Listeningnalytical ListeningDr. Simmons: Oh, sure. Another interesting study was recently done by researchers Leaf Van Boven and Tom Gilovich. They looked at the value of spending money on experiences. People can buy items such as cars, houses, clothes, and DVDs. But ex
63、periences are different from other items that people purchase. For example, vacations, concerts, or language lessons are experiences. So, anyway, these scientists used surveys to ask people how they felt about the items they bought compared to the experiences they bought. Well, the researchers disco
64、vered that money spent on experiences made people happier than money spent on items. The reason for this is probably because experiences are more meaningful to a person, and they contribute more to successful social relationships.To be continued Listening 1 A Analytical Listeningnalytical ListeningD
65、ave Martin: Interesting! Oh, we have another caller on the line. Go ahead, caller.Caller 2: Hello. My question is how much money do you need to be happy.Dave Martin: How about that, Dr. Simmons? How much money do we need?Dr. Simmons: Well, OK, obviously thats not an easy question to answer. People l
66、ike to say that “the best things in life are free”, which implies that money doesnt matter to happiness. And we all know thats not true. Money is definitely not the most important component of happiness, but at the same time, having no money can definitely affect happiness. To be continued Listening
67、 1 A Analytical Listeningnalytical ListeningDr. Simmons: There was a very interesting study recently done by an economist, Angus Deaton, and a psychologist named Daniel Kahneman. They wanted to know whether more money means more happiness. They analyzed surveys written by thousands of people. Their
68、research demonstrated some very interesting things about money. Once a person earns more than $75,000 a year, making more money ceases to significantly change ones level of happiness. Dave Martin: So, in other words, after a person earns more than $75,000 a year, more money doesnt have a big effect
69、on your everyday happiness. To be continued Listening 1 A Analytical Listeningnalytical ListeningDr. Simmons: Exactly. The thing thats important to remember is this: Its not about how much money you have. When it comes to money, its what you do with the money that can promote your happinessespeciall
70、y if you use it to help others and to have your own enjoyable experiences.Dave Martin: Thank you very much, Dr. Simmons. Were going to pause now for a short commercial break.Listening 1 A Analytical Listeningnalytical ListeningListening 2 trivia a. （游戏或竞赛）益智问答的precede v. 先于发生（存在）A Analytical Listeni
71、ngnalytical ListeningListening 2 Walter Cavanagh is known as “Mr. Plastic Fantastic”. He holdsthe world record for the largest credit card collectionover1,400 working cards.A Analytical Listeningnalytical ListeningListening 2 Native American groups wear traditional clothing at a celebration. Student
72、 to StudentShowing That We Are Following a ConversationThere are a number of useful expressions for showing that we are following or understanding someone while they arespeaking to us.I see.Oh!Uh-huh. (Use with rising intonation.)Really? (Use with falling intonation.)Is that so? (Use with falling in
73、tonation.)Is it? Are you? Did they? (These are tag questions with falling intonation.)A Analytical Listeningnalytical ListeningDiscussion. Read about these three types of payment cards. Then discuss the questions with a partner.Listening 2 Three Types of Payment CardsDebit Cards: Debit cards are dir
74、ectly connected to the money in your bank account. When you use your debit card, money is immediately taken out of your account. Credit Cards: When you use a credit card, you are borrowing money. The credit card company makes the payment for you and you must pay the money back either in full or in m
75、onthly installments with interest.To be continued A Analytical Listeningnalytical ListeningDiscussion. Listening 2 Three Types of Payment Cards (Continued)If you dont make your payments on time, you can be charged late fees. A charge card is a specific type of credit card. The main difference is tha
76、t you must always pay your balance in full each month.Stored-Value Cards: Stored-value cards have electronic money stored right on the card. Anyone can use these cards, not just the person who originally bought the card. Examples are prepaid phone cards and gift cards.A Analytical Listeningnalytical
77、 ListeningListening 2 1. Which of these payment cards do you use? How often do you use them?2. What other methods of payment do you regularly use?A Analytical Listeningnalytical Listening Example Answers I use all three forms of payment cards. I use a debit card almost every day for small purchases.
78、 I use a credit card once or twice a week at restaurants or the grocery store. I use a stored-value card once a week or so to pay for food or services at my university.Listening 2 1. Which of these payment cards do you use? How often do you use them?A Analytical Listeningnalytical Listening Example
79、Answers Besides the three types of cards, I also use online banking to pay most of my monthly bills. I use cash to pay street vendors or to use public transportation. Listening 2 2. What other methods of payment do you regularly use?A Analytical Listeningnalytical ListeningA Conversation Between Fri
80、endsA | Listening for Main Ideas. Read the questions and answer choices. Then listen to three people talking about money and choose the correct answers.Listening 2 1. Where are the people? a. At a restaurant. b. At an ATM. c. At work.2. What payment cards do the speakers use the most?a. Credit cards
81、.b. Debit and stored-value cards.c. Debit and credit cards.abA Analytical Listeningnalytical ListeningA | Listening for Main Ideas. Listening 2 3. According to Tina, why are credit cards dangerous?a. Theyre easy to steal or copy.b. They contain the owners personal information.c. Its easy to get into
82、 debt if you have a credit card.4. What is the problem with stored-value cards?a. There is a limit on how much value they can have.b. If theyre lost, their value cannot be replaced.c. They are very expensive to buy.cbA Analytical Listeningnalytical ListeningA | Listening for Main Ideas. Listening 2
83、5. Which statement about peer-to-peer lending is correct?a. It allows people to borrow from banks more easily.b. It is used mostly for large international loans.c. It allows individuals to loan money directly to other individuals.cA Analytical Listeningnalytical ListeningB | Listening for Details. R
84、ead the statements. Then listen again and check () T for true or F for false.Listening 2 1. Debit cards preceded credit cards. 2. Peer-to-peer lending services are managed by banks.3. Peer-to-peer lending services allow international loans.4. James is going to pay for lunch.T F A Analytical Listenin
85、gnalytical ListeningB | Listening for Details. Read the statements. Then listen again and check () T for true or F for false.Listening 2 Example Answers1. F (Credit cards preceded debit cards.)2. F (No banks are involved; individuals make the loans.)3. T4. TA Analytical Listeningnalytical ListeningL
86、istening 2 Discussion. Discuss the questions with your partner.1. Which do you use more in your daily life, cash or debit and credit cards? And your family members?2. Do you agree that credit cards are dangerous? Why or why not?3. How worried are you about your personal debt?4. Would you like to get
87、 involved in borrowing or lending through peer-topeer loans? Why or why not?To be continued A Analytical Listeningnalytical ListeningListening 2 Discussion. Discuss the questions with your partner.5. How often do you visit a bank? What is a typical experience at a bank like for you?6. If you were a
88、financial professional, what suggestions would you give to a person who wanted to save money?A Analytical Listeningnalytical Listening Example Answers I use debit and credit cards more often, but my parents only use cash.Listening 2 1. Which do you use more in your daily life, cash or debit and cred
89、it cards? And your family members?A Analytical Listeningnalytical ListeningExample Answer 1 I do agree that credit cards are dangerous because shopkeepers, waiters, and others can copy your card number and use it for online purchases. Besides, using credit cards usually makes you spend more money th
90、an you should have and makes saving money a difficult thing.Listening 2 2. Do you agree that credit cards are dangerous? Why or why not?A Analytical Listeningnalytical ListeningExample Answer 2 I dont agree that credit cards are dangerous because people use them all the time now. There is a lot of s
91、ecurity, and if your card is lost or stolen, you can just call the bank. Besides, as long as you increase your willpower, you can refuse those unnecessary desires. Listening 2 2. Do you agree that credit cards are dangerous? Why or why not?A Analytical Listeningnalytical Listening Example Answer 1 I
92、 am somewhat worried about my personal debt because I owe some money to the credit card companies. I can make my monthly payments, but the amount I owe doesnt seem to decrease.Listening 2 3. How worried are you about your personal debt?A Analytical Listeningnalytical Listening Example Answer 2 I am
93、not worried about my personal debt because I have a pretty good part-time job. I only use my credit cards for emergencies, and then I pay the bill in full when it arrives. Listening 2 3. How worried are you about your personal debt?A Analytical Listeningnalytical Listening Example Answer 1 I would l
94、ike to get involved in borrowing or lending through peer-to-peer loans because I like to invest my money in ways that help someone besides big banks.Listening 2 4. Would you like to get involved in borrowing or lending through peer-topeer loans? Why or why not?A Analytical Listeningnalytical Listeni
95、ng Example Answer 2 I wouldnt like to get involved in borrowing or lending through peer-to-peer loans because I dont know enough about lending money, and Im afraid I might get into trouble with that kind of loan. Listening 2 4. Would you like to get involved in borrowing or lending through peer-tope
96、er loans? Why or why not?A Analytical Listeningnalytical Listening Example Answers I visit my bank fairly often. I usually go in to deposit money I earn by doing my parttime job. Sometimes I get some pocket cash as well. Listening 2 5. How often do you visit a bank? What is a typical experience at a
97、 bank like for you?A Analytical Listeningnalytical ListeningExample AnswersI would suggest that a person who wants to save money should use only cash. Paying with plastic is just too easy, and people dont keep track of how much money theyre spending. Another suggestion is to have a small amount of m
98、oney deposited in a savings account. If you never see the money, you wont spend it.Listening 2 6. If you were a financial professional, what suggestions would you give to a person who wanted to save money?A Analytical Listeningnalytical ListeningJames: This place is so crowded today. Do we really ha
99、ve to eat here, Tina? I only have half an hour for lunch. Cant we go to the place next door? Its cash-only and the line moves fast. Tina: Im really sorry, James, but I dont have any cash. I was planning to use my debit card for lunch, and there arent any ATMs around here. Donna: You know, I hardly e
100、ver go to the ATM anymore. I just get cash back at the supermarket. Besides, I pay for nearly everything with my debit card or some kind of stored-value cardespecially on the subway or at the coffee shop.James: Same here, Donna. Do you two ever use credit cards?Tina: I have one, but its only for eme
101、rgencies. Even though credit cards are useful, I think theyre dangerous. Its so easy to get into debt. Its like a trap for consumers.Listening 2 To be continued A Analytical Listeningnalytical ListeningDonna: I know it. Actually, all these electronic payment systems worry me a little. I mean, what i
102、f someone knows a lot about computers and figures out how to steal the money out of my bank account, or maybe gets my credit card number and uses it to buy stuff?James: You worry too much. Bank accounts are safe, and credit card companies dont make you pay if someone steals your card and uses it. Bu
103、t hold on tight to your stored-value cards. If you lose those, theres no way to get your money back.Tina: By the way, heres a trivia question for you. Which came firstthe credit card or the debit card?James: I dont know.Donna: I think debit cards probably came first. Listening 2 To be continued A An
104、alytical Listeningnalytical ListeningTina: Actually, credit cards preceded debit cards. The first credit cards came out in the 1950s, I think, and the first debit cards came out in the 1970s.James: Really? Thats interesting. Ill have to look that up online.Donna: Im thinking about taking out a loan
105、to help me buy a car, so I dont have to take the subway anymore. Do you think its a good idea?Tina: Oh, I dont know. If youre capable of paying it back right away, then it might be OK. James: That reminds me, I read about an interesting way of borrowing and lending money. Its called peer-to-peer len
106、ding. You might want to check it out, Donna. Donna: How does it work?Listening 2 To be continued A Analytical Listeningnalytical ListeningJames: Its simple. You go online and create a loan request, explaining why you need the money and how you plan to repay the loan. But its not banks or finance pro
107、fessionals who assist youits individuals. A person will decide if lend you the sum you request.Tina: Does that really work?James: Its worked for a lot of people. Theres even a service that lends money to people in developing countries. The loans are usually pretty small, but even so, its surprising
108、how much a $50 loan can help someone. Sometimes it can buy a lot when its exchanged for local currency.Donna: Hmm, well, I would only do it if the interest on the loan and the fees were very low. Listening 2 To be continued A Analytical Listeningnalytical ListeningJames: Those vary a lot, depending
109、on the Web site. You should do some research first. Hey, you know what, weve been waiting for a while now. Im hungry! Donna, Tina, lets go to the place across the street. Ill pay for lunch today.Donna: Really? Thanks, James!Tina: Thats so nice of you. Next time, Ill pay for lunch instead, all right?
110、Listening 2 To be continued 国际交流英语视听说国际交流英语视听说Sharing Your IdeasUnit 5 Unit 5 Money in Our LivesMoney in Our LivesS Sharing Your Ideasharing Your IdeasLanguage FunctionDigressing from the TopicSometimes, in the middle of a conversation, we suddenly want to talk about a new topic. Digressing means ta
111、lking about a new or different topic. Here are some expressions we can use to signal that we are bringing up a new topic.If something the other person said made us think of the new topic, we can say:Speaking of . That reminds me .If a new topic enters our heads suddenly, but is not being discussed,
112、we can say:Incidentally . By the way .S Sharing Your Ideasharing Your IdeasA | List the most expensive items, services, or experiences that you have ever purchased. Then list the items, services, or experiences that gave you the most happiness. Circle the items that are on both lists.Expensive ListH
113、appiness List1. _1. _2. _2. _3. _3. _4. _4. _5. _5. _6. _6. _S Sharing Your Ideasharing Your IdeasExample AnswersExpensive List:1. laptop computer 2. airline tickets to Bali3. repairs to my parents house4. tickets to a ballet5. smart phone6. new clothesHappiness List:1. trip to Bali2. repairs to my
114、parents house3. having lunch at a restaurant with a friend4. eating a perfectly ripe pineapple5. watching the ballet6. my most recent haircutS Sharing Your Ideasharing Your IdeasB | Work with a partner and compare your lists. Explain why the items on your Happiness List made you happy. Take turns as
115、king and answering questions about interesting items on your partners lists. Use the expressions from the Language Function box when possible.S Sharing Your Ideasharing Your IdeasExample AnswersS1: So what did you like about your trip to Bali?S2: Everything! Speaking of trips, I see that you went to
116、 Cambodia.S1: I did and I learned so much about that countrys history.S2: But isnt it a sad history? Why did it make you happy?S1: I was happy to gain a better understanding of Southeast Asia.S Sharing Your Ideasharing Your IdeasC | Critical Thinking. Discuss the questions with your partner.1. Scien
117、tists believe that spending money on experiences makes us happier than spending money on items. Based on your lists from exercise A, do you agree with this? Why or why not?2. What conclusions can you make about what makes you happy from the information in your lists? Explain this to your partner.3.
118、The values of a person or group are the beliefs that they think are important. Your personal experiences, family and friends, and education can help you choose your values. What are some of your personal values? How does money relate to your personal values? Why?S Sharing Your Ideasharing Your Ideas
119、 Example Answer 1 Yes, I agree because most of the items in my happiness list were experiences. 1. Scientists believe that spending money on experiences makes us happier than spending money on items. Based on your lists from exercise A, do you agree with this? Why or why not?S Sharing Your Ideashari
120、ng Your Ideas Example Answer 2 No, I dont agree because most of the items in my happiness list were electronics or clothes. 1. Scientists believe that spending money on experiences makes us happier than spending money on items. Based on your lists from exercise A, do you agree with this? Why or why
121、not?S Sharing Your Ideasharing Your Ideas Example Answers Based on my lists, I can say that the things I have spent the most money on are divided between things that make me happy and things that dont have much effect on my happiness. Maybe I could buy fewer things but still be just as happy. I also
122、 notice that most of the things that ave made me the happiest are experiences, so maybe those should be the focus of my spending in the future. 2. What conclusions can you make about what makes you happy from the information in your lists? Explain this to your partner.S Sharing Your Ideasharing Your
123、 Ideas Example Answers My personal values include being loyal to my friends, always doing my best work, and taking care of my parents when they get older. Money relates to taking care of my parents someday because I need to start saving money now in order to do that. In contrast, being loyal and doi
124、ng my best work dont cost any money at all.3. The values of a person or group are the beliefs that they think are important. Your personal experiences, family and friends, and education can help you choose your values. What are some of your personal values? How does money relate to your personal val
125、ues? Why?S Sharing Your Ideasharing Your IdeasAsking Sensitive QuestionsSome people are uncomfortable talking about sensitive topics such as money, death, or family issues. If we must ask a question about a sensitive topic, we can use one of these expressions to make our partner feel more comfortabl
126、e.Do you mind if I ask you ?Excuse me for asking, but ? , if you dont mind my asking?国际交流英语视听说国际交流英语视听说Viewing the WorldUnit 5 Unit 5 Money in Our LivesMoney in Our LivesV Viewing the Worldiewing the WorldA Town Dependent on TequilaV Viewing the Worldiewing the Worldpermit n. 许可证agave n. 龙舌兰（一种沙漠植物）
127、distill v. 蒸馏pulque n. 龙舌兰酒strip v. 除去; 剥去extract v. 榨出brew v. 酿造Jalisco n. 哈利斯科州（位于墨西哥中西部）V Viewing the Worldiewing the WorldTequila: a small town in the Mexican state of Jalisco. Its full name is Santiago de Tequila, though it is commonly called Tequila, and it is best-known for the alcoholic drin
128、k which bears its name. 特基拉（墨西哥一小镇，其盛产的龙舌兰酒也因此而得名）V Viewing the Worldiewing the WorldJose Cuervo: a brand of the alcoholic drink tequila which is made from the agave plant. Now it is the most popular brand of tequila in the world. 豪帅快活龙舌兰酒（世界最著名的龙舌兰酒品牌）V Viewing the Worldiewing the WorldV Viewing th
129、e Worldiewing the WorldV Viewing the Worldiewing the WorldA | Read the article about Tequila. Then fill in each blank with a word or phrase from the box.Before Viewing statistics component major in fact commitmentThe small town of Tequila in Mexico is home to a (1)_ company that is known worldwide.
130、The Jose Cuervo company makes tequilaan alcoholic beverage thatsclosely tied to Mexican culture and identity. (2)_, no other country can legally produce tequila.To be continued major In factV Viewing the Worldiewing the WorldA | Read the article about Tequila. Then fill in each blank with a word or
131、phrase from the box.Before Viewing statistics component major in fact commitmentIn the town of Tequila, Jose Cuervo is a very important (3)_ of the local economy. According to (4)_, as many as 80 percent of local people live on the money the workers earn. It would be an economic disaster if the comp
132、any decided to relocate, but its history shows a strong (5)_ to the areatheyve been making tequila here since 1758!componentstatisticscommitmentV Viewing the Worldiewing the WorldB | Collaboration. With a partner, make a list of ways people make a living in the area where you live. For example, do m
133、any people earn money by farming, teaching, running small businesses, driving taxis, working in government, or in some other ways?Before Viewing V Viewing the Worldiewing the WorldC | Critical Thinking. Form a group with another pair of students and compare the lists you made in exercise B. Then dis
134、cuss the questions. Before Viewing Do you think the local economy where you live is diversein other words, are there many different ways to make a living? Do a lot of people depend on the same kind of work?V Viewing the Worldiewing the WorldExample Answers The local economy where we live is diverse.
135、 People here make a living doing many things, from manufacturing automobiles to working at insurance agencies, high-tech firms, or retail shops. The local economy where we live is not diverse. Almost everyone in this area makes a living from tourism. Before Viewing V Viewing the Worldiewing the Worl
136、dA | Watch a video about tequila and check () the kinds of work you see people doing. Add other jobs you see people doing. Before Viewing giving information about the company monitoring machines in the factory removing leaves from agave plants filling bottles with tequila placing bottled tequila int
137、o boxes preparing boxes of tequila for shipping _V Viewing the Worldiewing the WorldA | Watch a video about tequila and check () the kinds of work you see people doing. Add other jobs you see people doing. Before Viewing Example AnswersAll of the items except for “filling bottles with tequila” shoul
138、d be checked, because the bottles are filled by machines. Students can add: delivering the agave “pineapples”, monitoring the tequila itself, cleaning equipment at the factory, etc.V Viewing the Worldiewing the WorldB | Read the steps in the tequila-making process. Then watch the video again and num
139、ber the steps in the correct order. Before Viewing _ The “pineapples” are steamed in giant ovens._ The tequila cools off and is stored in barrels._ The agave plant is stripped of its leaves._ The juice is extracted from the “pineapples”._ Tequila “doctors” measure the temperature and alcohol level.2
140、5134V Viewing the Worldiewing the WorldCritical Thinking. Discuss the questions with your group. Before Viewing 1. In your opinion, did the tequila company look like a good place to work in? Why or why not?2. In addition to tequila-making, tourism is also part of the local economy in the town of Teq
141、uila. Do you think the town would be a good place for tourists to visit? Why or why not?3. For many Mexican people, tequila is an important part of their culture and history, and its something to feel proud of. What foods and drinks are connected with your culture?V Viewing the Worldiewing the World
142、 Example Answer 1 The tequila company did look like a good place to work in because it was a clean environment and the work is probably safe.Before Viewing 1. In your opinion, did the tequila company look like a good place to work in? Why or why not?V Viewing the Worldiewing the World Example Answer
143、 2 The tequila company didnt look like a good place to work in because it is basically a factory, and factory jobs usually dont pay very much. Before Viewing 1. In your opinion, did the tequila company look like a good place to work in? Why or why not?V Viewing the Worldiewing the World Example Answ
144、er 1 I do think the town would be a good place for tourists to visit because it is safe and quiet, and its an important place in the culture and history of Mexico.Before Viewing 2. In addition to tequila-making, tourism is also part of the local economy in the town of Tequila. Do you think the town
145、would be a good place for tourists to visit? Why or why not?V Viewing the Worldiewing the World Example Answer 2 I dont think the town would be a good place for tourists to visit because it is very small. Besides a visit to the tequila factory, there wouldnt be much to do there. Before Viewing 2. In
146、 addition to tequila-making, tourism is also part of the local economy in the town of Tequila. Do you think the town would be a good place for tourists to visit? Why or why not?V Viewing the Worldiewing the WorldExample AnswersFoods that are connected with the Chinese culture include rice, our most
147、important staple food, and hot pot, which is popular in almost the whole country. Drinks that are connected with China include tea, which is a part of daily life as well as an important export crop, soybean milk, and white spirits (fermented by grains like corn and sorghum), etc. Before Viewing 3. F
148、or many Mexican people, tequila is an important part of their culture and history, and its something to feel proud of. What foods and drinks are connected with your culture?V Viewing the Worldiewing the WorldNarrator: Tequila may look like many other sleepy little towns as local people pass the time
149、 in this quiet Central Mexico town of around 35,000. But not far from the towns square is one of the most recognizable company names in the worldthe headquarters of Jose Cuervo Tequila.Araceli Ramos: We began producing tequila in 1758 even though it wasnt until 1795 when the King of Spain, Carlos th
150、e IV gave us the permit to produce and sell tequila and thats when we consider the birth of Jose Cuervo in 1795.Narrator: Unlike the slow pace of this little colonial city, the pace inside one of Mexicos largest companies is anything but slow . producing an impressive 230,000 liters of tequila each
151、and every day. To be continued V Viewing the Worldiewing the WorldNarrator: The tequila industry is so strong here that an estimated 80 percent of the entire towns population lives off the income generated from tequila production. Tequilamade from the agave cactuswas first distilled as a drink calle
152、d “pulque” by Spanish Conquistadors. In the years since, tequila has become a symbol of Mexican pride and culture.The process of making tequila includes stripping the agave plant to expose the “heart”. The “pineapples”, as they refer to the hearts of the agave plant, are then steamed inside giant ov
153、ens for as long as three days. The next step is extracting the juice from the cooked agave plant. This juice is then “brewed” in giant copper kettles as tequila “doctors” then measure temperature levels and monitor the alcohol balance. After the brewing process, the tequila cools off. To be continue
154、d V Viewing the Worldiewing the WorldNarrator: Workers constantly monitor the tequila, which is eventually stored in barrels . anywhere from a few weeks to several years. Today, Just about all of the worlds tequila comes from the State of Jalisco and especially the city of Tequila, where it is said
155、that the mineral-rich red soil 7,500 feet above sea level is best for the agave plant. Some tequila lovers say that the good tequilas rank up there with the best liqueurs in the world.Araceli Ramos: It represents tradition, it represents culture, it represents Mexico. To be continued 国际交流英语视听说国际交流英语
156、视听说EngagingUnit 5 Unit 5 Money in Our LivesMoney in Our LivesE EngagingngagingA | Understanding Visuals. Work with a partner. Study the graphs on the left. Then answer the questions below. Preparing a BudgetE EngagingngagingA | Understanding Visuals. Work with a partner. Study the graphs on the left
157、. Then answer the questions below. Preparing a BudgetE EngagingngagingA | Understanding Visuals. 1. What do these graphs show?Explain it to your partner._Preparing a BudgetThe graphs show how people spend their extra money during a difficult economic period. In the first graph, we see that people wo
158、rldwide are putting the greatest percentage of their extra money into savings, followed by vacations, new clothes, and so on. In the second graph, we see that when the economy improves, people in Latin America will still try to save money by spending less on fuel, telephone bills, and so on.E Engagi
159、ngngagingA | Understanding Visuals. 2. How do you spend your extra money? Whats your spending habits?_Preparing a BudgetI put some of my extra money into a savings account each month. After that, I usually spend my extra money on entertainment. Buying a lot of things like clothes and electronics are
160、 not a part of my spending habits, but many of my friends buy these things.E EngagingngagingA | Understanding Visuals. 3. How do you plan to save your money in the future?_Preparing a BudgetIn the future, I plan to save money by buying only things that I need. I wont replace my smart phone, for exam
161、ple, until it quits working. I also plan to live in a small apartment so I can put more money into savings each month.E EngagingngagingB | Work with your partner. Read the role cards and choose your role.Preparing a BudgetE EngagingngagingB | Work with your partner. Read the role cards and choose yo
162、ur role.Preparing a BudgetE EngagingngagingC | Role-Playing. Study the clients monthly budget and discuss the questions with your partner.Preparing a BudgetE EngagingngagingC | Role-Playing. Study the clients monthly budget and discuss the questions with your partner.1. What is the difference betwee
163、n income and expenses? Use your dictionary to help you.2. Which expenses cannot be changed?3. On which items do you think the client needs to spend more money?4. On which items do you think the client should spend less money?5. Which loan should the client pay back first? Why?Preparing a BudgetE Eng
164、agingngaging Example Answers Income is the money that we receive each month, year, etc. Expenses refer to money we spend in order to buy or do something.1. What is the difference between income and expenses? Use your dictionary to help you.Preparing a BudgetE Engagingngaging Example Answers The clie
165、nts expenses that cannot be changed include rent, food, heat and electricity, health insurance, payments for credit cards, student loan, and the car loan.2. Which expenses cannot be changed?Preparing a BudgetE Engagingngaging Example Answers The client might need to spend more money on her credit ca
166、rd payment because paying more on the credit card will save on interest charges. She should also start putting money into a savings account.3. On which items do you think the client needs to spend more money?Preparing a BudgetE Engagingngaging Example Answers The client may need to spend less money
167、on fuel by using less energy at home and in the car. She should definitely spend less on entertainment, since that is a large amount and is completely optional.4. On which items do you think the client should spend less money?Preparing a BudgetE Engagingngaging Example AnswersThe interest rate on th
168、e clients credit card is quite high, so that should be paid off first. After that, the car loan and student loan can be paid off. 5. Which loan should the client pay back first? Why?Preparing a BudgetE EngagingngagingD | Work with your partner and write a budget plan so that the clients expenses are
169、 less than his or her income. Also include a plan for how to repay the clients debts. Preparing a BudgetE EngagingngagingD | Work with your partner and write a budget plan so that the clients expenses are less than his or her income. Also include a plan for how to repay the clients debts. Preparing
170、a Budget Example AnswersE EngagingngagingE | Presentation. With your partner, present your budget plan to another pair of students. Then compare the plans. How are they similar? How are they different? Are there any similarities between your budget plan and your own saving plan listed in exercise A?
171、Preparing a BudgetE EngagingngagingDealing with Difficult QuestionsSometimes during a role-play, presentation, or conversation, someone might ask us a question that we dont know how to answer. One way to answer is to say, “I dont know.” A better way to answer is to say, “Thats a very interesting que
172、stion. Ill have to get back to you on that.” Then, research the answer on our own and share the information with the person who asked us the question.Preparing a Budget国际交流英语视听说国际交流英语视听说Further ListeningUnit 5 Unit 5 Money in Our LivesMoney in Our LivesF Further Listeningurther ListeningListening 1F
173、 Further Listeningurther ListeningListening 1F Further Listeningurther ListeningA | Read the questions. Then listen to a talk about credit card debt and answer the questions. Listening 11. Why is credit card debt a major problem in the United States? _2. Why did Kelly cease using all her credit card
174、s recently? _ _Because the average debt per household is already about $15,799, and the unpaid credit card bills in a recent year has totaled around 69 billion dollars.Because she owes the credit card companies a lot of money and she is working at two jobs in order to pay her debt.F Further Listenin
175、gurther ListeningA | Read the questions. Then listen to a talk about credit card debt and answer the questions. Listening 13. What steps has Kelly taken to pay off her credit card debt? _ _4. What do financial counselors advise people in debt to do? _ _To pay off her $15,000 debt, Kelly works 64 hou
176、rs a week at two jobs. She started a debt management plan, and hopes to pay off her bills in seven years. She will no longer purchase unnecessary items.Financial counselors ask people who are in debt like Kelly Jones to cut up all of their credit cards.F Further Listeningurther ListeningA | Read the
177、 questions. Then listen to a talk about credit card debt and answer the questions. Listening 15. According to the counselors, what does cutting up credit cards show? _Cutting up credit cards shows the commitment that hundreds of people have made to control their spending.F Further Listeningurther Li
178、steningB | Listen again and match the numbers with the items they refer to.Listening 1a. 15,799b. 69 billionc. 10d. 15,000e. 64f. 2g. 7h. hundredsi. millions 1. the number of people who have made commitment to control their spending 2. the number of hours Kelly Jones works each week 3. the number of
179、 people who seek help to get out of debt each year in the U.S. 4. the number of jobs Kelly Jones keeps at the same time 5. the amount of Kelly Jones credit card debt (dollars) 6. the number of years Kelly Jones plans to take to pay off her credit card debt 7. the average credit card debt per househo
180、ld in the U.S. (dollars) 8. the number of credit cards Kelly Jones has used 9. the total amount of unpaid credit bills in recent years in the U.S. (dollars)F Further Listeningurther ListeningListening 1Answer Keys 1. h 2. e 3. i 4. f 5. d 6. g 7. a 8. c 9. bF Further Listeningurther ListeningCredit
181、card debt is a major problem in the United States. The average debt per household is reported to be about $15,799, and the unpaid credit card bills in a recent year totaled around 69 billion dollars. Kelly Jones got herself in debt by using 10 credit cards, but she recently ceased using them complet
182、ely. To pay off her $15,000 debt, Jones works 64 hours a week at two jobs. She started a debt management plan, and hopes to pay off her bills in seven years. She will no longer purchase unnecessary items. “I have no idea what I bought. I have nothing to show for it,” she says. Now, Jones warns young
183、 people not to repeat her errors, and tells them about what can happen if they rely on credit cards too much. To be continued Listening 1F Further Listeningurther ListeningFinancial counselors ask people who are in debt like Kelly Jones to cut up all of their credit cards. This is just one component
184、 of a process to help clients pay their bills. Counselors display the cut-up cards to demonstrate that people are not alone. Cutting up credit cards shows the commitment that hundreds of people have made to control their spending. Each year millions of people seek help to get out of debt. Many of th
185、ese people receive counseling and education to promote better money management. Listening 1F Further Listeningurther ListeningA man reacts to sudden changes in the stock market.Listening 2F Further Listeningurther ListeningA | Listen to an interview about the worlds financial crisis and complete the
186、 notes about the interviewers questions and the interviewees answers.Listening 2Question 1: _Answer: _Question 2: _Answer: _ _Question 3: _Answer: _ _Where did the crisis begin?In the U.S.How did the crisis begin?A huge number of loans were made, even to people without jobs.When did things began to
187、go wrong?Things started to go wrong in 2007, when many people cant pay back their loans.F Further Listeningurther ListeningB | Read the statements. Then listen to the interview again and check () T for true or F for false. Listening 21. The way individuals manage their money has little to do with th
188、e world economy.2. Before the crisis, many people in the U.S. bought houses by paying in paper currency.3. In the years that preceded the crisis, people did not need to meet certain criteria to get a loan.4. Things began to go wrong when banks could not get the money back.T F F Further Listeningurth
189、er ListeningB | Read the statements. Then listen to the interview again and check () T for true or F for false. Listening 2Answer Keys1. F (The way individuals manage their money can affect the whole world.)2. F (Banks have to help these consumers by loaning them money.)3. T4. T F Further Listeningu
190、rther ListeningListening 2To be continued Interviewer: The worlds financial crisis shows that the way individuals manage their money can affect the whole world. Still, many people are unsure of how the crisis began. Im speaking with economist Ken Lonoff. Mr. Lonoff, where did the crisis begin?Interv
191、iewee: It began in the United States. As you know, most people want to buy their own home, but very few people can pay in paper currencycash, that is. Banks have to help these consumers by loaning them money to buy things. People need to meet certain criteria to get a loan. For example, they need to
192、 have a job and be able to pay their bills.Interviewer: So, how exactly did this crisis begin? F Further Listeningurther ListeningListening 2Interviewee: Well, in the years that preceded the crisis, the economy was good. Financial professionals made as many loans as they could and earned a fee for e
193、ach one. They were happy to assist anyone who wanted a loan. Even people without jobs were capable of getting loans. A huge number of these loans were made.Interviewer: When did things start to go wrong?Interviewee: Things started to go wrong in 2007, when many people could not pay back their loans.
194、 These loans were the foundation for many businesses in the United States and all over the world. Huge sums were lost, and many companies went out of business. Loans became very difficult to get, and as a result, economies of countries around the world were affected.F Further Listeningurther Listeni
195、ngListening 3overdue a. （款项） 过期未付的savings account n. 储蓄账户solely ad. 唯一地，仅仅F Further Listeningurther ListeningDictation. Listen to a passage about personal finance tips and write down what you hear. Altogether the passage will be read to you four times. During the first reading, which will be doneat
196、normal speed, listen and try to understand the meaning. For the second and third readings, the passage will be read sentence by sentence, or phrase by phrase, with intervals of 15 seconds. The last reading will be done at normal speed again and during this time you should check your work. Listening
197、3F Further Listeningurther ListeningHere are some personal finance tips for you:1. Pay the most important bills first. Payment of overdue bills should precede payment of bills that are not late yet.2. Always pay your bills on time. That way, you will avoid unnecessary late fees. 3. Set up your bank
198、account so that a certain sum is automatically moved to a savings account each month. Its a good way to force yourself to save money.4. For questions about investing money, insurance, or taxes, be sure to hire a financial professional. They have the knowledge and training to assist you with your que
199、stions. Do not rely solely on the advice of family and friends.Listening 3To be continued F Further Listeningurther Listening5. Always keep some money available for emergencies. You should be capable of living on your savings for at least three months if you lose your job. 6. Smart consumers compare prices before buying an item. Before you pay a price that is too high, check the prices at other stores and on the Internet. Listening 3国际交流英语视听说国际交流英语视听说Thank You!
