普通高等教育“十一·五”规划教材 Beyond Oxford Practical college English Course 学林出版社 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 学林出版社 Back Next 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 Back 学林出版社 Next 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 学林出版社 Back Next 4 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 学林出版社 Back Next 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。 学林出版社 Back Next 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. Back 学林出版社 Next 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. Back 学林出版社 Next 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. Back 学林出版社 Next 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. Back 学林出版社 Next 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. Back 学林出版社 Next 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. Back 学林出版社 Next 13 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. Back 学林出版社 Next 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. Back 学林出版社 Next 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. Back 学林出版社 Next 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. Back 学林出版社 Next 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. Back 学林出版社 Next 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 。 Back 学林出版社 Next 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. 学林出版社 Back Next 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. 学林出版社 Back Next 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! Back 学林出版社 Next 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. Back 学林出版社 Next 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? Back 学林出版社 Next 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! 学林出版社 Back Next 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. Back 学林出版社 Next 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。 学林出版社 Back Next Text Lead-in 27 Warm up enjoy the video Back 学林出版社 Next 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 学林出版社 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. Back Next 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 学林出版社 29 ﹡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。 Back Next 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 学林出版社 Back Next 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. 学林出版社 Back Next 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 学林出版社 Back Next 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 学林出版社 Back Next 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 学林出版社 Back Next 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 学林出版社 Back Next 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. Back 学林出版社 Next 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) Back 学林出版社 Next 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 Back 学林出版社 Next 6. Writing a spending survey report 39 A Student’s Monthly Spending Click Here For Reference Answer 学林出版社 Back Next 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. Back 学林出版社 Next 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 Back 学林出版社 Next 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 Back 学林出版社 Next 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。 学林出版社 Back Next 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. Back 学林出版社 Next 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) ____________! 学林出版社 Back Next 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. 学林出版社 Back Next 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. 学林出版社 Back Next 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. Back 学林出版社 Next 3. A good budget will work ANSWER 49 C Back 学林出版社 Next 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. Back 学林出版社 Next 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. 学林出版社 Back Next 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。 学林出版社 Back Next 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 Back 学林出版社 Next 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. 学林出版社 Back Next 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. 学林出版社 Back Next 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 Back 学林出版社 Next 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. 学林出版社 Back Next Text Lead-in 58 Look at the picture and explain the meaning it carries. 学林出版社 Back Next 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 学林出版社 Back Next 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 学林出版社 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. Back Next 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 学林出版社 Back Next 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 学林出版社 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. Back Next 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. Back 学林出版社 Next 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) Back 学林出版社 Next 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 Back 学林出版社 Next 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. Back 学林出版社 Next 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) . Back 学林出版社 Next 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. Back 学林出版社 Next 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).” Back 学林出版社 Next 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. 学林出版社 Back Next 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 Back 学林出版社 Next 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 Back 学林出版社 Next 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 Back 学林出版社 Next 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 Back 学林出版社 Next 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. Back 学林出版社 D. To be Next Grammar 76 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 Back 学林出版社 Next Grammar 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 学林出版社 Back Next Grammar 9. 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 Back 学林出版社 Next Grammar 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 Back 学林出版社 Next Grammar 80 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 Back 学林出版社 Next 普通高等教育“十一·五”规划教材 Thank you!