普通高等教育“十一·五”规划教材
Beyond Oxford
Practical college English Course
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第一册
2
Table of Contents
Three
Personal Finance 个人理财
 Financial Matters
理财问题
 Successful Finance
成功理财
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Financial Matters 理财问题
3
Focus
S: A questionnaire about money matters at
college
L: I’m broke
L: No risk, no gain
S: Enquiring about loans
R: How the stock market works
W: Writing a spending survey report
语音：连音
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1. Starter— A questionnaire about money matters at college
Work in pairs to ask and answer the questions in the
following questionnaire.
How Do You Manage Money Matters at College
1. Where does your monthly pocket money come from?
□ Parents
□ Part-time jobs
□ Loan
2. Do you think a part-time job would affect your studies?
□ Yes
□ No
□ Uncertain
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1. Starter— A questionnaire about money matters at college
5
3. Can you make ends meet every month?
□ Yes
□ No
□ Sometimes
4. Do you plan to turn to the school’s Education Fund for a loan?
□ Yes
□ No
□ Uncertain
5. How much do you spend a month?
□ ￥300-600
□ ￥600-1,000
□ Above ￥1,000
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1. Starter— A questionnaire about money matters at college
6
Notes
1. personal finance 个人理财
☆finance n. 财务管理，财政；金融；资金
e.g. My present finances preclude the possibility of buying a car.
Unless we can get more finance, we’ll have to close the hotel.
finance当动词用时意思是“供给，负担经费”。
e.g. His parents financed his college education.
The government will finance the building of the new roads
with the taxes it collects.
finance的形容词形式为financial，意思是“财政的，金融的”，
如：financial affairs 财务问题；
a grave financial crisis 严重的金融危机。
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1. Starter— A questionnaire about money matters at college
2. ☆loan n. 贷款；出借
e.g.They found it impossible to get a bank loan.
We wish to take a loan of your car for an afternoon.
loan当动词用时，意思是“借出，贷与”。
e.g.These works of art are too precious to be loaned out for
exhibition.
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7
1. Starter— A questionnaire about money matters at college
3. Do you think a part-time job would affect your studies?
你认为做兼职会影响你的学习吗？
*affect vt. 影响，对……起作用
e.g. This area was affected by the flood.
Recently, the financial crisis in the U.S.A has affected
the job market to a large extent.
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8
1. Starter— A questionnaire about money matters at college
4. Can you make ends meet every month?
你能每个月做到收支平衡吗？
make ends meet 达到收支平衡
e.g.He found it hard to make ends meet on his low income.
Mary has spent so much money on new clothes that she
finds it hard to make ends meet again this month.
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9
2. I’m broke
10
John is broke and he asks Jenny to lend him some money.
Listen to the tape or CD and fill in the blanks.
Learning
Language for describing ways of spending
He wastes too much money on the Internet.
He is saving money for a rainy day.
Her aunt is fond of buying goods on credit.
She pays off her debts on one credit card with another credit
card.
Older people tend to pay cash rather than use credit cards
when they go shopping.
People spend too much with their credit cards and go over
their budget.
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2. I’m broke
11
lend
John: Jenny, could you (1)______
me a few dollars? I’m a little
broke.
of moneymyself and you still owe me $20.
Jenny: Uh, I’m(2)short
__________
seem to make ends meet these days.
John: I can’t (3) _______
Jenny: You got a great job recently, didn’t you?
John: Well, I do have a job, but I (4) _____
buy a lot of things and
pay by credit card.
Jenny: I see. People like credit cards, because they allow you to
borrow money for payment.
(5) ______________
John:
Yes, so do I.
spend too much with their credit cards and
Jenny: But people (6) _____________
go over their budget.
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2. I’m broke
12
Notes
1. Jenny, could you lend me a few dollars? 珍妮，能不能借我点钱？
lend的意思是“借出”，其反义词是borrow，意思是“借入”。
e.g. I borrowed a book from him.= He lent a book to me.
2. I’m a little broke. 我快没钱花了。
△broke a. 没钱，囊中羞涩；破产的
e.g. Jim had to take the job as a waiter in a small restaurant because
he was broke.
The paper was going broke and would cease publication.
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2. I’m broke
3. I’m short of money myself… 我自己也缺钱……
be short of 缺少
e.g. The family is badly short of money due to the child’s disease.
We’re short of time. Let’s hurry up.
4. …but I buy a lot of things and pay by credit card.
但我最近用信用卡买了很多东西。
☆credit n. 信用贷款；赊购
e.g. If you are very rich, you can probably get unlimited credit.
In stores where once he had been able to obtain credit he was
forced to pay cash.
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2. I’m broke
14
5. Yes, so do I. 是的，我就是这样。
so do I的意思是“我也是”或“我也这么认为”。so放在句
首有
替代功能，一般后面的句子要用部分倒装句型。
e.g. Jim thinks Yao Ming is a world-famous basketball player.
So do I.
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2. I’m broke
15
6. But people spend too much with their credit cards and go over
their budget. 人们过度使用信用卡，消费超过了预算。
go over 超过
e.g. Your spending should not go over your income.
Tom went over John and became his boss.
☆budget n. 预算
e.g. It is important to balance one’s budget.
We simply can’t stretch the budget enough to buy a car.
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3. No risk, no gain
16
John is giving Jessica advice on managing money.
Listen to the tape or CD. Then decide whether the following
statements are true (T) or false (F).
( F ) 1. Jessica has got a job by good luck.
( T ) 2. Jessica has decided to invest all her money in stocks.
( F ) 3. John tells Jessica to be careful with the eggs she
bought.
( F ) 4. Jessica doesn’t think John’s advice is right.
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3. No risk, no gain
17
Jessica: There are some great sales I just couldn’t miss, John.
John:
So, any luck finding a new job?
Jessica: None.
John:
You’ll be up to your ears in debt if you keep spending like
this.
Jessica: I don’t think so. I’ve decided to buy stocks. Maybe in a
week I’ll be a millionaire.
John:
But that’s a big risk!
Jessica: Yeah, but no risk, no gain! I’ll bet all my savings on them!
John:
Are you crazy? As the old saying goes, “Don’t put all your
eggs in one basket.”
Jessica: Maybe you’re right.
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3. No risk, no gain
18
Notes
1. Jessica has decided to invest all her money in stocks.
杰茜卡决定把钱全部投到股票上。
*invest v. 投资，投入
e.g. I’ve invested a lot of time and effort in this plan.
She invested in a painting by a famous young artist.
invest的名词形式为investment，
如：a big investment in land 。
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3. No risk, no gain
19
2. So, any luck finding a new job? 是吗？运气如何？找到新工作了
吗？
这是一个省略句，any luck在口语中很常见，可单独使用，也可
接介词如with和in，或直接接动词。
e.g. Any luck with your hunting?
Any luck in your dating?
3.
None. 没找到。
none表示“一点也没有”，此处指没啥运气，也就是说没有找
到
新工作。
e.g. — How many birds are there in the tree？
— None.
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20
3. No risk, no gain
4. You’ll be up to your ears in debt if you keep spending like this.
如果你还这样花钱的话，你会债台高筑的。
up to one’s ears in debt 债台高筑
e.g. You’ll soon be up to your ears in debt if you don’t stop gambling.
*debt n. 债务，欠债
e.g. He is in debt for his house and his car.
He spent more and more money, getting deeper and deeper into
debt.
5. I’ve decided to buy stocks. 我决定去买股票。
*stock n. 股票
e.g. Father owns some stocks in that railroad.
Stocks are generally lower in value because of the financial crisis.
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3. No risk, no gain
6.
21
Yeah, but no risk, no gain! 是的，但是没有风险，何来回报！
no risk, no gain的字面意思是“没有风险就没有收获”，在特定
语境下可以引申为“不入虎穴，焉得虎子”。
e.g. I spent all my pocket money buying lottery tickets. No risk,
no gain!
7.
I’ll bet all my savings on them! 我要把所有的积蓄都押在上面！
bet…on… 把……赌押在……
e.g. I’ll bet my life on his success.
He bet all my savings on stocks!
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3. No risk, no gain
22
8. As the old saying goes… 俗话说得好……
as the old saying goes正如老话所说，古语有云
e.g. As the old saying goes, a friend in need is a friend
indeed.
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4. Enquiring about loans
23
A student turns to the school’s Education Fund for a loan.
He/She asks a staff member some questions. Choose
his/her questions in the box to complete the dialogue.
Then role-play the dialogue with a partner.
A. How do I apply?
B. When do I start paying back the loan?
C. How do student loans work?
D. How much of a loan can I get?
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4. Enquiring about loans
Student:
24
C
1. _________________
Staff member: You must hand in an application first.
Student:
D
2. _________________
Staff member: We can offer you student loans up to ￥10,000.
Student:
B
3. _________________
Staff member: Usually, you must pay back part of the loan six
months after you have graduated.
Student:
A
4. _________________
Staff member: Start by filling out our form online, and it can be
approved in a few days!
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4. Enquiring about loans
25
Notes
1. When do I start paying back the loan?
我从什么时候开始偿还贷款？
pay back 偿还（借款等）
e.g. Lend me $100, will you? I’ll pay it back at the end of the
month.
I must remember to pay you back for the concert ticket.
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4. Enquiring about loans
26
2. Start by filling out our form online, and it can be approved in a
few days. 先网上填表，几天之后便会得到批准。
fill out 填写
e.g. The policeman filled out a report of the accident.
*approve v. 批准，认可
e.g. The firm’s directors quickly approved the new deal.
The government sector initially approved the proposal in 1974.
approve还可表示“赞成，赞许”，常与of 搭配使用。
e.g.
I do not quite approve of his moral character.
Everybody approves of the plans for a new school building.
approve的名词形式为approval，如：gain/obtain/win the approval
of 得到……的赞同。
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Text Lead-in
27
Warm up
enjoy the video
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5. How the Stock Market Works
28
Read the passage and do the exercises.
If asked “What’s one of the
fastest ways to lose money?”
your answer might be: “Invest
in the stock market and follow
the
investment
company’s
advice.” There may be some
truth
to
this
answer.
The
following story tells you how
the stock market works.
Translation
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股票市场是如何运作的
some
truth to n.
sth.
在某方面
如果有人问“最快的亏钱方式
☆investment
投资
有点道理
之一是什么？”您可能会这样
e.g.
The firm has made a
e.g.
I investment
decided to take
his
huge
in
new
回答：“投资股票市场，采纳
If asked…是省略形式，完整
advice
because I found some
equipment.
投资公司的建议”。这个回答
形 式 应 该 是 If you were
truth to it.
His investments amount to
asked…
也许有点道理。下面的故事将
You
are of
talking
nonsense. I
millions
dollars.
告诉您股票市场究竟是如何运
can’t find any truth to your
作的。
words.
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5. How the Stock Market Works
Years ago in a village, a
man
turned
up
and
announced to the villagers
that
he
would
purchase
monkeys for 10 dollars each.
The villagers went out to
the
forest
and
began
catching monkeys.
Translation
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﹡purchase vt. 买，购买
﹡announce v. 宣布
e.g.
He purchased a ticket
e.g. 几年前，某个村庄里来
It has been announced
and was about to get on the
that
will sail for England.
turnheup出现
了一名男子，他向村民宣布
years ago 几年前
train.
I说他要以每只10美元的价格
hope toWeannounce
e.g.
arrangedtheto winner
meet
e.g. week
Years
ago, I awas
a
Last
I purchased
lot of
shortly.
at the cinema at 7:30, but he
购买猴子。
student
theneed.
Shanghai
things that Iatdidn’t
failed to turn up.
announce
名 词 形 式 为
Institute of的Tourism.
purchase还可用作名词，表示
announcement
，如
issue
He 村民们便走出村子到森
didn’t turn
up: at
the /
“购买物；购买行为”，如
make
an announcement
发表公
meeting
yesterday.
林里捕捉猴子。
： make seasonal purchases 购
告；formal announcement 正
买时令商品；cash purchase 现
式通知。
金采购。
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5. How the Stock Market Works
The
man
bought
thousands at 10 dollars and
as
supply
decrease,
stopped
the
their
started
to
villagers
effort.
The
man further announced that
he would now buy at 20
dollars.
The
villagers
renewed their efforts and
started catching monkeys
30
*supply n. 供应，供给；提供
*effort n.该男子以10美元的单价
努力
e.g.
Drinking water is in short
*decrease
v. 减少，下降
该词表示一般性的努力（即表泛
supply
in
this
area.
购买了几千只猴子后，猴子
as表示原因。
指意义）时，通常用作不可数名
e.g.
We can see
thatwas
his interest
The
electricity
supply
cut off
的数量减少了，村民们也因
*renew
v. As it is raining, the
e.g.
further在本句中是个副词，表示程
词。如用作可数名词则强调一次
in
thisof the
subject
because
flood. is gradually
此停止了捕捉。这名男子又
sports meeting is cancelled.
（使）恢复，（使）复原
度“更进一步地”。
一次具体的努力。
decreasing.
supply还可以作动词使用，意思是
宣布说，现在以每只20美元
e.g.
Do
want
tothethe
renew
the
Let’s
consider
“提供，供应”，常用于supply
sb.
e.g. should
Withyou
great
efforts,
the
frog
We
decrease
usepoint
of
的价格购买猴子。村民们又
contract
we
two
years
ago?
further.
with
sth.或supply
to
sb.的结构
jumped
outsigned
of thesth.
well.
（指一次
water.
。
燃起了热情，开始去抓猴子
The
traffic
accident prompted her to
一次具体的努力）
decrease
的反义词是increase，意
e.g. 了。
Cows
supply us with milk.
renew
her
insurance.
His success depends upon his effort
思是“增加”。
The dairy company supplies milk in
and ability. （泛指努力）
bottles to each house every morning.
again.
Translation
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5. How the Stock Market Works
31
注意as, because和since的区别：
as，because，since都可以用于原因状语从句，表示因果关系，
含义是“因为，由于”，但它们的用法有区别。as一般放在句首
，语气较弱，比较口语化；since常常用在书面语中，语气比
because弱，表示的原因是对方已知的，或是稍加分析便可得知
的原因，在句中是附带信息，因此引导的从句不是句子的焦点
，不能回答why的提问，也不能用在强调句型中作为被强调的内
容，有时可译作“既然”；because表示的语气最强，用来说明
人所不知的原因，可用来回答why的提问。
e.g. As you’re an adult, you should be responsible for your own
decisions.
Since we are young, we shouldn’t be too afraid of making mistakes.
You can trust these products because the quality never changes.
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5. How the Stock Market Works
32
Soon there were few
monkeys and people started
going back to their farms.
The offer price increased to
25 dollars and the supply of
monkeys became so small
that it was an effort to even
see a monkey, let alone
很快，猴子的数量变
so…that…
offer price卖价；卖方报价
得非常稀少，村人们便开始
let
alone 更不用说
如此……以至于……
与 price 相 关 的 短 语 还 有 ：
恢复以往的劳作。这时，求
e.g.
We can’t afford a
该词组当中使用形容词或副
market price市场价格，市价；
购猴子的单价上升到了每只
bicycle,
let alone
car.发 价 ；
词，引导结果状语从句。
wholesale
price a批
25美元，猴子的数量变得更
此外，let
alone表示“别
price
index
物
价 was
指 数so；
e.g.
The sb.
speech
理，别管，别烦扰，别干涉
factory
厂 价 ；
少了，要见到一只猴子都很
dull
that Iprice
almost 出
fell asleep.
某人”。
price
level so
物价水平。
It难，更不用说捉到猴子了！
rained
heavily that we
e.g. to stay
Let at
mehome.
alone!
had
catch it!
Translation
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5. How the Stock Market Works
The
man
now
announced that he would
buy
monkeys
at
50
dollars! However, since he
had to go to the city on
business,
his
would
now
33
assistant
buy
此时，该男子宣称他
将以50
的 单价
求购
on
one’s美元
behalf
代表……
；为了……的利益
猴子
！ 但由 于 他本 人要
since为连词，意思是“
e.g.
The
President
can’t
因为，由于”。
去城
里
处理
一 些事 情，
be here today, so I’m going
所以 他 的助 手 将代 他进
to speak on his behalf.
行买卖。
on his behalf.
Translation
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5. How the Stock Market Works
34
When the man was away,
the
assistant
told
the
villagers, “Look at all these
monkeys in the big cage that
the man has collected. I will
sell them to you for 35 dollars
each and when the man
returns from the city, you can
sell them to him for 50 dollars
男子不在村里了，助
手就跟村民说：“瞧瞧这
些大笼子里他收集到的猴
子。我现在愿意以每只35
美元的价格卖给你们。等
他从城里回来，你们可以
再以每只50美元的好价卖
给他。”
each.”
Translation
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5. How the Stock Market Works
The villagers spent all
their savings buying all the
monkeys.
35
村民们个个倾其所有，买
下了所有的猴子。
但他们却再也没见着这名
Then they never saw the 男子，也没见着他的助手，放
man nor his assistant again, 眼所见只有猴子！
only monkeys everywhere!
Translation
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5. How the Stock Market Works
36
A. Decide whether the following statements are true (T) or
false (F) according to the passage.
( F ) 1. One of the fastest ways to lose money is to buy
monkeys.
( F ) 2. Once a man appeared in a village and said that he
would sell monkeys at a low price.
( T ) 3. At first, there were so many monkeys that it was easy
for the villagers to catch them.
( F ) 4. The assistant turned against the businessman, sold all
the monkeys and ran away immediately.
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5. How the Stock Market Works
37
B. Complete the word spelling according to the meaning
given in the brackets.
S
I
V
1. ___N___E___TMENT
(putting money in)
A
U
O ___NC___
2. ___NN___
E
(speak, say)
3. ___S___IS___A___T
A
N
S
T
(helper)
A
4. ___NCR___
E ___S___
E
I
(rise)
U ___CH___S___
P ___
A
5. ___
E
R
(buy)
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6. Writing a spending survey report
38
Look at the chart and find out the differences in spending
between September and October. Write a report about these
findings and provide some advice.
Mind Map
decrease
下降
increase
上升
drop sharply
大幅下降
rise slightly
小幅攀升
level out
持平
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6. Writing a spending survey report
39
A Student’s Monthly Spending
Click Here
For Reference Answer
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6. Writing a spending survey report
40
Compared with September, the student’s meal expenses in
October increased slightly. An increase can also be found in
his/her Internet and cell phone bills. However, the book expenses
dropped sharply, while there was a slight decrease in transport.
Only the money spent on water leveled out.
It is certain that the student spent too much time on the
Internet and the cell phone in October. This may be a problem. I
think he/she should spend more time on his/her studies, and buy
more books to read.
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7. Read me!
41
Focus 1 7
Pronunciation.
Listen and repeat. Pay attention to
the liaison (连音).
come on
come in
in your own time
rain or shine
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Successful Finance 成功理财
42
Focus
S: Proverbs on money matters
 L: He is really something
 L: A good budget will work
S: How to spend lifetime income
R: Nature of spending
W: Expressing opinions on spending
 R: Not for naught
Grammar Exercises现在分词和过去分词
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1. Starter — Proverbs on money matters
43
Read the English proverbs on money matters. Then match
them with their Chinese translations.
( C ) 1. Much coin, much care.
( D ) 2. A rolling stone gathers no moss.
( B ) 3. A penny saved is a penny earned.
( A ) 4. You have to save for a rainy day.
A. 存钱以备不时之需。
B. 省钱即赚钱。
C. 钱多劳神。
D. 滚石不生苔，转业不聚财。
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2. He is really something
44
John is asking Jessica how Thomas makes successful
investments.
Listen to the tape or CD and fill in the blanks.
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2. He is really something
John:
45
I don’t know why I’m always (1) __________
money.
short of
hole in your pocket. Uh,
Jessica: That’s because money burns a (2) ______
do you have a budget?
John:
Well, should I?
Jessica: Of course. Make a (3) _______
sound budget and be clear about
expenses
your income and (4) _________.
John:
But I don’t think Thomas (5) does
_______.
so He always seems to
have money (6) _______.
to burn
Jessica: But he deserves it. He works hard. Besides, he is (7)
good at
__________
investment.
John:
Yeah! The house and the stocks! But investment has
risks
(8)_________.
Jessica: Thomas wouldn’t do anything on (9) ________.
rash
John:
something
Well, he’s really (10) ____________!
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2. He is really something
46
Notes
1.
Make a sound budget… 制定合理的预算
此处sound的意思是“合理的，正确的”，如：give a sound
explanation 作出合理的解释。
e.g.
I believe that it’s sound for boys and girls to have
basically the same education.
2.
He always seems to have money to burn.
他看上去总是有花不完的钱。
have sth. to do表示有某事可做，其中to do是不定式作名词后
置定语。
e.g. I have some books to read.
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2. He is really something
3.
47
But he deserves it. 但是这是他应得的。
☆deserve v. 值得，应得；应受
e.g.
He has been so awful that he really deserves whatever he
gets.
If you do wrong, you deserve to be punished.
deserve well from sb. 应该受到某人好的待遇
e.g. She deserves well from her employer.
4.
He’s really something! 他真是个了不起的人物！
此处something指“出色的或重要的人或物”。
e.g. There’s something in what you said.
Theory is something, but practice is everything.
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3. A good budget will work
48
Bob is telling John how to make a good budget every month.
Listen to the tape or CD and choose the right budget chart.
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3. A good budget will work
ANSWER
49
C
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3. A good budget will work
50
John: How do you manage to make ends meet, man?
Bob: It’s simple. A good budget will work! Well, let me see if I
can help you. How much money do you spend on your
apartment?
John: Uh, I pay a monthly rent of $900, including gas, water,
electricity and TV.
Bob: $900! So how much do you spend on food per month?
John: Hmm. $800. I often dine out, so those expenses add up.
Bob: Well, I can understand that. And what else?
John: Movie tickets and a concert or two. $600 or so.
Bob: Or so? No wonder you’re having money problems. You
can’t just burn your money on things like that! After all, you
only earn $3,000 a month.
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3. A good budget will work
51
Notes
1. A good budget will work! 一项好的预算很有用！
此处work的意思是“起作用，有效果”。
e.g. The medicine worked soon.
work同样可作及物动词，表示“产生……效果”。
e.g. We can see that the plan worked badly.
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3. A good budget will work
2.
52
How do you manage to make ends meet, man? 你是如何做
到收支平衡的，朋友？
*manage v. 设法做到，设法维持
e.g.
In spite of these insults, she managed not to get angry.
Believe me, we can manage without you!
manage还可表示“管理，经营”等含义。
e.g.
Still an active woman, she was managing the household
ably.
I don’t think it’s her shop. I think she just manages it.
man此处为一种称呼，比较亲密。
另外还可用buddy，mate，chap，guys（人数为复数）等。
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3. A good budget will work
3.
53
Uh, I pay a monthly rent of $900, including gas, water, electricity
and TV. 呃，我每月房租900美元，包括煤气、水、电和电视
费。
*gas n. 煤气，天然气；气体；汽油
e.g. I smell gas; there must be a leak.
Is there a gas station nearby?
gas表示“汽油”是美式英语用法，即gasoline的缩略语。英式
英语中汽油是petrol。
与gas搭配的短语：gas burner 煤气炉；gas explosion 瓦斯爆
炸；gas mask防毒面罩；gas mixture气体混合物；step on the
gas 踩油门，加油
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3. A good budget will work
54
4. I often dine out, so those expenses add up. 我经常外出就餐，
那些费用是合理的。
*dine vi. 吃饭，进餐
e.g. When do you dine?
dine out 表示“下馆子，外出吃饭”，其反义词组为dine in（在
家吃饭）。
注意：diner表示“食客，吃饭的人”，而dinner的意思是“正餐”。
add up 是合理的；是对的
e.g. His words about the theft simply did not add up.
These figures don’t add up right. Do it again.
add up还可表示“把……合计”。
e.g. He weighed each stone and then added up all the weights.
add up to的意思是“合计为……”。
e.g.
The bills add up to exactly $100.
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3. A good budget will work
5.
55
Movie tickets and a concert or two. $600 or so.
电影票和一场或两场音乐会的票，大约600美元。
or so 大约
e.g. It was about an hour or so after he lay down.
He must be thirty or so.
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4. How to spend lifetime income
56
Look at the picture about how an average person spends his/her lifetime
income. Work with a partner to create a dialogue about how to spend
your lifetime income.
Click Here
For Reference Answer
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4. How to spend lifetime income
57
A: Hi! Have you ever thought about how much you will earn in your
lifetime?
B: No, never. But I have a plan for spending my lifetime income.
A: What’s your plan then?
B: I think I’ll spend 15% on housing.
A: That’s really too much.
B: Sure. The prices of apartments are rising. However, do you know
the biggest part of my spending?
A: I guess that’ll be food.
B: Yes. You’re right. It’ll be 71%. And next is clothing, 3.5%. Perhaps a
woman would spend more on clothing.
A: That’s true. What about haircuts and seeing the dentist?
B: They will cost 0.5% and 1% respectively.
A: Well, there is only 9% left. What do you plan to spend it on?
B: I think that will go to children’s education, movies and things like that.
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Text Lead-in
58
Look at the picture and explain the meaning it carries.
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5. Nature of Spending
59
Read the passage and do the exercises.
Everyone has their own
beliefs
about
of
how
to
manage their finances. As part
of our value system, it affects
the way we look after our
money.
According to our different
values, we are put in three
groups. They are: the ant, the
somebody, someone,
everybody,
消费的本质
此处part意思是“部分”，但
everyone,
no one等不定代词均
关于如何理财，每个人都有
作为单数时常不加冠词a。用
*value
n.n.信念；信仰
价值观；价值
*nature
本质；天性
*belief
n.
为单数。根据语法规则，后面
此处finance用作可数名词，意
在 the way we look after our
自己的想法。这种想法是我们价
于表示“角色，作用”的意思
应
用 其The
他单
数young
代 词shares
（have
he, my
she,
e.g.
The
He
isjudge
very
honest
by a
思是“财源；财务”。
e.g.
money中，the
way之后的定语
值体系的一部分，它对理财方式
，且作单数时加冠词a。
his,
her）。但现在很多人认为
completely
different
values
nature.
belief
that
is innocent.
e.g.
Dohewe
have set
theoffinances
从句除了可省略关系代词之外
有很大影响。
这种用法有性别偏见之嫌，因
e.g.
Wea strong
spent
part of our
and
expectations.
holds
belief
to
support
other?
，还可用that或in
which引导。
She
couldeach
not
acceptin the
而
较
为可
取human
的 是ofthey,
them 或
holiday
inofFrance.
根据不同的价值观，可以分
The
market
value
this
property
goodness
nature.
religious
beliefs
of her
Are
sound?
e.g. the Ifirm’s
don’t finances
like
theparents.
way
(that)
their。
It plays
an important part in
has
declined.
为三类人，分别是：蚂蚁型、蟋
she
walks.
e.g.
Everybody
said they
economic
development.
蟀型和蜗牛型。
would help.
cricket and the snail.
Translation
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5. Nature of Spending
The ant — work first
Just like ants, who work heart
and soul in summer in order to
store food for winter, these people
don’t care about enjoying the
moment. They work very hard and
save the money they earn to enjoy
life when they get old. The ant
loves to save, but they could make
more
out
of
their
money
if they were willing to invest in
some low-risk funds and stocks.
Translation
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60
此处who为关系代词，修饰先
just◆蚂蚁型——工作第一
like… 正如……
行词ants，在从句中做主语，
正如实心实意干活的蚂蚁，
like在这里是介词，后接名词
in
order
to
make…
out
of…
care
about
make…
out为了
of… 从……中获
从……中获
故不能省略。who在限定性定
在夏季工作为冬季储备粮食一样
或代词，表示“像……（在
得，用……做成……
e.g.
In order to successfully
得，用……做成……
语从句中如果作宾语相当于
在意，关心；担心
此处if
they were willing to...用
，这些人不在意享受当前时光。
行为或动作上像，而实际上
use
it, Newspapers
users must understand
e.g.
make
aa
whom或that，可省略，在非
e.g.
Newspapers
make
了虚拟语气，表不（太）可能
e.g.
Don’t you care about
不是）”。
他们辛苦工作、节约用钱，为的
how
theout
software
works.
profit
of
the
advertisements
限定性定语从句中不可省略
profit
out
of
the
advertisements
发生的事情。
this country’s future?
e.g.wore
Hegloves
speaks
English
just
是能在年老退休时享受生活。“
they
carry.
。
He
in
order
not
to
they
carry.
e.g.
If
I
were
you,
I
could
eat
Ilike
really
care about what happens
an
Englishman.
蚂蚁们”喜欢存钱，但如果他们
dirty
his
hands.
She
made
aagirl
fortune
of
e.g.
The
who isout
great
ataa
She
made
fortune
out
of
ato
horse
right
now.
her.
He walkshas
just
like
his father.
business.
愿意投资一些低风险的基金和股
football
just
walked
in.
business.
票的话，回报会更多。
The couple (who) we met on
holiday sent us a card.
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5. Nature of Spending
◆ The cricket — fun first
61
◆蟋蟀型——享乐第一
The cricket wants to enjoy
蟋蟀喜欢今朝有酒今朝醉，
everything now and doesn’t
对未来考虑不多。如果非常想要
think
the
什么东西，他们甚至还会借钱购
borrow
买。这些人几乎没什么储蓄。因
money when they really want
此，当他们年老时，可能会遇到
something. These people have
麻烦。这类人应该学会如何存钱
little savings. When they get
。
future.
too
much
They
about
even
old, they might have problems.
They should learn to save.
Translation
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5. Nature of Spending
◆The snail—living under pressure
The snail refers to people who
make life difficult for themselves.
They take big long-term loans from
the bank to buy luxury things. They
are
happy
to
take
big
loans
even though they are not sure they
can afford them. This can cause
problems in the future. They should
plan more carefully.
Translation
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62
本句中使用了“make
+名词/
△luxury
n. 奢华，豪华；奢侈
◆蜗牛型——在重压下生活
品
代词+形容词”的结构。该结
此处even
though表示“即
e.g.
We
lived
for a time in
构中make是“使变得，使成
蜗牛型指的是那些自讨苦
☆long-term
a. 长期的
使，虽然”，引导让步状语
great
luxury.
为”的意思，这个结构表示
吃的人。为了购买奢侈品，他
*pressure
n. 压力
refer
to
指……而言，指的是
从句。该短语经常可与even
该短语的反义词为short-term
We
can’t afford many luxuries.
“使（某物/人）变得（怎么
们会向银行申请大笔的长期贷
e.g.
been
if换用。
e.g. The
Whenmanager
I saidhas some
luxury的形容词形式是luxurious
。
样）”。
trying
toEven
put pressure
on
us.
款。即使不能肯定是否偿还得
，意思是“奢侈的，豪华的”
people
were
stupid,
I
wasn’t
e.g.
though
I
didn’t
e.g.
Any
long-term
plan
in
e.g.
The
news
that
he
had
。
referring
tonot
you.
He
could
come
because
起，他们还是乐意贷大笔的款
know
anybody
at the
party, of
I
your
mind?
passed Hilton
the final
examination
e.g.
Hotel
is one of the
business
pressure.
had
a
good
time.
Who
does
the
pronoun
in the
项。这种行为会给未来生活造
Here’s
to
our
long-term
made his
parents hotels
very happy.
most
luxurious
in the
third
refer
Iworld.
Iikesentence
the jobCheers!
even to?
though it’s
成问题，这类人应当更加谨慎
cooperation.
At the meeting she made her
badly
paid.
The
millionaire
地计划消费。
objections clear.leads a luxurious
life.
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5. Nature of Spending
63
A. Decide whether the following statements are true (T) or
false (F) according to the passage.
( T ) 1. If you borrow tomorrow’s money for uses today, you are
called a snail.
( T ) 2. An ant doesn’t invest in stocks.
( F ) 3. The crickets save a lot of money to enjoy everything in
their future life.
( F ) 4. An ant puts work before everything and saves every
penny to enjoy everything now.
( T ) 5. The writer suggests one should realize the possible
problems one may have in the future.
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5. Nature of Spending
64
B. Complete the word spelling according to the meaning
given in the brackets.
E
1. V___L___
A
U ___
(quality of being useful or desirable)
T ___RE
O
2. S___
S
L
I ___
3. ___NA___
(to put away for future use)
(kind of small, soft animal, usually
with a shell)
R
U ___U___Y
X
4. L___
(very great comfort and pleasure)
I ___
N ___S
G
A
5. S___V___
(money put aside for future use)
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6. Expressing opinions on spending
65
To what degree do you agree with the ant, the cricket or the
snail in Exercise 5? Write down your own opinions.
Click Here
For Reference Answer
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6. Expressing opinions on spending
66
People like ants lead a traditional life. They put most of
their income into the bank. However, they can’t enjoy life when
they’re young and healthy.
To some extent, I am in favor of the cricket’s way of
spending. We can borrow money from the bank to invest in the
stock market. And with the sound social welfare system, we
can also get money when we are old.
I don’t agree with the snail’s lifestyle. It is a waste of
energy and money. Luxury things are not life necessities.
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7. Read me!
67
Read the passage and choose the best answer to each question.
Not For Naught
Surely it’s impossible to remember each and every person who
has ever lived. But that’s what most of us want. We want to be
remembered. We want our memory, our principles and values,
and our legacy to live on long after we have passed on. The
trouble is very few of us know how to do that.
To be sure, the wealthy can have hospital wings and concert
halls named in their honor. Those of more ordinary means might
start a charitable (慈善的) walk or a book drive in memory of loved
ones. Others might simply create scrapbooks (剪贴本) .
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7. Read me!
68
In recent years, The Ultimate Gift is perhaps the most
memorable book. In the book, the author, Jim Stovall, tells the
story of Red Stevens, a self-made man who died and left behind a
most unusual will and legacy. In the book, one of Red’s heirs (继承
人), great-nephew Jason, has to pass a series of tests to get his
share of Red’s estate (地产). But those tests are less about getting
part of Red’s fortune and more about getting a different sort of gift,
Red’s values and life lessons. In short, Jason gets Red’s views on
work, learning, money, friends, dreams, giving and gratitude (感恩
). By the end of the book, we are certain Red’s legacy will live on.
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7. Read me!
69
“We can do harm to our children and grandchildren if we give
them the fruits of our lifelong work without the lessons we have
learned along the way,” Stovall wrote. “Money can be either good
or bad but it creates responsibility for those that hold it. If we give
our children the money without the responsibility along with it, we
are giving them a loaded (装上子弹的) gun without instruction in
how to handle it safely. The teaching should be a lifelong process,
not just some paperwork that accompanies the last will and
testament (遗嘱).”
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7. Read me!
1.
70
Which of the following statements is NOT true according
to the passage?
A. It’s quite impossible to remember each and every
person who has ever passed.
B. Few of us know how to make our memory, our
principles and our legacy live on long after we have
passed on.
C. We might spoil and mislead our children and our
grandchildren if we give them money without the
responsibility attached to it.
D.
D. Each
Each person
person has
has to
to pass
pass aa series
series of
of tests
tests to
to get
get his
his
share
share of
of the
the legacy
legacy left
left by
by others.
others.
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7. Read me!
2.
71
The memorable book The Ultimate Gift tells the story of
.
A. Jim Stovall, a self-taught writer
B. Red
Red Stevens,
Stevens, aa self-made
self-made man
man who
who died
died and
and left
left
behind an
an unusual
unusual legacy
legacy
behind
C. Jason, a young man who knows how to get his
fortune through means
D. one’s views on work, learning, money, friends,
giving and gratitude
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7. Read me!
3.
72
By the end of the book, we are certain Red’s legacy will
live on. Here in the passage, the underlined word means
.
A. money received by a person
B. the experience of being a self-made man
C. the fruits of our lifelong work
D.
D. material
material and
and spiritual
spiritual things
things handed
handed down
down from
from
ancestors
ancestors
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7. Read me!
4.
73
According to the passage, we can infer that Jason might
follow his uncle Red Steven’s steps in the following
aspects EXCEPT
.
A. Red’s views on work and learning
B. Red’s views on making friends and getting along with
them
C. Red’s value system
D. Red’s attitude toward his wife
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7. Read me!
5.
The passage is mainly about
74
.
A. what
what aa man
man should
should leave
leave behind
behind after
after death
death
A.
B. legacy taboos (禁忌)
C. the way to get one’s share of an estate
D. the responsibility created by money for those who
have it
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Grammar
75
Exercise
Choose the best answer to complete each sentence.
1. The question _____ discussed at the meeting now will
interest many people in the city.
A. been B. will be
C. having been
D. Being
2. _____ robbed one night, the lady would never go out
alone in the evening.
A. Being B. Having
C. Having
Having been
been
C.
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3. The _____ leaves were removed by the garbage collector.
A. falling
B. fell
C.
C. fallen
fallen
D. Fall
4. When Susan finished singing, she found herself _____ by
a sea of smiling and excited faces.
A. to greet
B.
B. greeted
greeted
C. greeting D. be greeted
5. The people ______ to building the new airport were told
that since work had already started there was no point
protesting.
objectingB. objected C. object D. being objected
A. A.
objecting
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77
6. When the little girl awoke, she found herself _____ by an
old woman.
A. look after
B. be look after
C.
C. being
being looked
looked after
after
D. be looking after
7. Movies used to be shown in an open space in our town,
with the audience _____ on benches, chairs or boxes.
A. seated
seated
A.
B. to seat
C. seating
D. being seated
8. _____ a reply, he decided to write.
A. Not receives
B. Not having received
C. Having not received
D. Not received
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78
There _____ nothing to say, the girl remained silent.
A. was
B. has
C. were
Being
D.D.Being
10. Not all rain water _____ from a cloud reaches the ground;
some of it is lost through evaporation.
A. having fallen
B. fallen
C.
C. falling
falling
D. to fall
11. The plan _____ at the meeting tomorrow is about building
a new school in the neighborhood.
A. to discuss
B. to
to be
be discussed
discussed
B.
C. discussed
D. being discussed
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79
12. West Lake in Hangzhou is one of the most _____
scenic spots.
A. visiting
B. visited
B.
C. to be visited
D. Visit
13. With a new technique ______ out, the yields as a
whole increased by 27%.
A. to be worked
B. works
C. worked
D. work
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14. If _____ for an explanation of the population explosion in
the world, I would definitely find it difficult.
A. to be asked
B. be asked
C. asking
D. Asked
15. Three robbers rushed into the bank with their faces
_____ by black stockings.
A. to cover
B. covered
C. to be covered
D. covering
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普通高等教育“十一·五”规划教材
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