Listen-this-way-4-(第三版)Unit-2.ppt

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1、Unit2“Planting”MoneyLearningfocusn nTheformsofsomeexercisesinthisunitdeserveTheformsofsomeexercisesinthisunitdeserveyourattention.Forexample,theflowcartinPartyourattention.Forexample,theflowcartinPartIB,thekeypointsummaryinPartIIAareallIB,thekeypointsummaryinPartIIAareallgoodpresentationsofsummaries

2、thatputsomegoodpresentationsofsummariesthatputsomerelativelycomplexideasandrelationshipsinarelativelycomplexideasandrelationshipsinaverysimpleandclearway.verysimpleandclearway.n nForadvancedEnglishlisteners,learningtoForadvancedEnglishlisteners,learningtochooseandusetherightwordsandwaystochooseandus

3、etherightwordsandwaystoorganizeandretainthereceivedinformationisorganizeandretainthereceivedinformationisjustasimportantasthetaskofachievingajustasimportantasthetaskofachievingacorrectunderstandingoftheinformationitself.correctunderstandingoftheinformationitself.n nWorseoffWorseoff愈加贫穷的；每况愈下的愈加贫穷的；每

4、况愈下的 n nBetteroffBetteroff经济状况好的经济状况好的 n nInheritInherit继承继承 n nBudgetn.Budgetn.预算预算/vtvt.把把编入预算编入预算n nAllowanceAllowance零用钱零用钱 n nPiggybankPiggybank存钱罐存钱罐 n nPassbookPassbook银行存折银行存折 n nPortfolioPortfolio证券投资组合证券投资组合 n nAnnualreturnAnnualreturn会计会计 年利润年利润 n nPaybackPayback偿付偿付 n nLotteryLottery彩票彩票

5、 n nIagree+reasonThatsright/true,because.Yes,absolutely!Icouldntagreemore.ThatsjustwhatIthink.Youvegotapointthere.YouaregoingtohearsomepeoplegivingtheiropinionsaboutwealthandYouaregoingtohearsomepeoplegivingtheiropinionsaboutwealthandpoverty.Whatwouldyoureplytothesepeople?Thefollowingexpressionsarep

6、overty.Whatwouldyoureplytothesepeople?Thefollowingexpressionsareforyourreferenceonly.foryourreferenceonly.Youaregoingtohearsomepeoplegivingtheiropinionsaboutwealthandpoverty.Youaregoingtohearsomepeoplegivingtheiropinionsaboutwealthandpoverty.Whatwouldyoureplytothesepeople?Thefollowingexpressionsaref

7、oryourWhatwouldyoureplytothesepeople?Thefollowingexpressionsareforyourreferenceonly.referenceonly.n nIdontagreeorIpartlyagree+reasonWhatmakesyousaythat?Withallduerespect,Idsaythat.ThatsnotquitethewayIseeit.Iseewhatyouregettingat/youmean,but.Theresalotinwhatyousay,but.Icouldntagreemorebut.Youaregoing

8、tohearsomepeoplegivingtheiropinionsaboutwealthandpoverty.Youaregoingtohearsomepeoplegivingtheiropinionsaboutwealthandpoverty.Whatwouldyoureplytothesepeople?ThefollowingexpressionsareforyourWhatwouldyoureplytothesepeople?Thefollowingexpressionsareforyourreferenceonly.referenceonly.n nAvoidinggivingan

9、opinionItsdifficulttosay.Ireallydontknow.Imafraid.Ithinkitalldepends.Imnotreallysure.Isupposeitdependsonyourpointofview.Bn n Narrator:Whatwouldyoureplytothesepeople?Narrator:Whatwouldyoureplytothesepeople?n nMan:Well,asIseeit,millionsofpeopleintheworldareMan:Well,asIseeit,millionsofpeopleintheworlda

10、reworseoffthanus,buttheresnothingwecandoaboutworseoffthanus,buttheresnothingwecandoaboutit.it.n nWoman:Idsaythatifyoudohaveplentyofmoney,Woman:Idsaythatifyoudohaveplentyofmoney,theresnopointinspendingitonprivateeducationfortheresnopointinspendingitonprivateeducationforyourchildren.yourchildren.n nMa

11、n:ItseemstomethattheonlywaytohelpthepoorMan:Itseemstomethattheonlywaytohelpthepoorintheworldistofindwaysofhelpingthemtohelpintheworldistofindwaysofhelpingthemtohelpthemselves.themselves.erernotbynotbyerergivingthemfreegivingthemfreefood.food.n nWomen:Ifyouaskme,taxesforrichpeopleshouldbeWomen:Ifyoua

12、skme,taxesforrichpeopleshouldbereallyhigh95%orsomething-sothateveryoneisatreallyhigh95%orsomething-sothateveryoneisatthesameeconomiclevel.thesameeconomiclevel.Bn nMan:Man:ErErinmyviewititsworthmakingalotofinmyviewititsworthmakingalotofmoneymoneyerersothatyoucanleaveittoyourchildrensothatyoucanleavei

13、ttoyourchildrenwhenyoudie.whenyoudie.n nMan:DontyouagreethatifpeoplearestarvingorhaveMan:Dontyouagreethatifpeoplearestarvingorhavenowheretolive,itsthedutyofbetter-offpeopletogivenowheretolive,itsthedutyofbetter-offpeopletogivethemfoodandshelter?themfoodandshelter?n nWoman:Look,letsfaceit,theresonlyo

14、nereasonwhyWoman:Look,letsfaceit,theresonlyonereasonwhypeopleworkandthatstomakeasmuchmoneyaspeopleworkandthatstomakeasmuchmoneyaspossible.possible.n nMan:Surely,aslongasyouvegotenoughtoliveon,Man:Surely,aslongasyouvegotenoughtoliveon,theresnopointinmakingmoreandmoremoney.theresnopointinmakingmoreand

15、moremoney.n nWoman:Ifyoureearningagoodsalary,surelyyouWoman:Ifyoureearningagoodsalary,surelyyoushouldsaveasmuchasyoucanforarainyshouldsaveasmuchasyoucanforarainyday.Man:Iday.Man:I mustsaythatonethingiscertain:moneydoesntbuymustsaythatonethingiscertain:moneydoesntbuyhappiness.happiness.Cn nTheexercis

16、einthissectiongivesyousomepracticalTheexerciseinthissectiongivesyousomepracticalexperienceinrecognizingaspeakerstoneofvoice.experienceinrecognizingaspeakerstoneofvoice.Inreallifecommunication,agreatdealofwhatweInreallifecommunication,prehendisnotinthelinguisticinformation.Veryoften,aspeakerstoneofvo

17、icerevealshisVeryoften,aspeakerstoneofvoicerevealshisfeelingsaswellashisattitudes.Beforeyoulisten,feelingsaswellashisattitudes.Beforeyoulisten,readthoseadjectivesinthechartandmakesureyoureadthoseadjectivesinthechartandmakesureyouunderstandtheirmeanings.understandtheirmeanings.Thesedialoguesaregoodex

18、amplesofshowingtheThesedialoguesaregoodexamplesofshowingthespeakersattitudesbytonedifferences.speakersattitudesbytonedifferences.Answersn nNarrator:Youllhearsomepeoplereactingtovariousopinionsdecideiftheyareagreeingordisagreeingwiththeopinionsexpressed.Payattentiontothetoneofvoicetheyuse.1.Woman:Are

19、ntyougladyourenotamillionaire?1.Woman:Arentyougladyourenotamillionaire?Man:Sure!Man:Sure!2.Man:Dontyouwishyoucouldaffordtospendour2.Man:DontyouwishyoucouldaffordtospendourholidaysintheCaribbean?holidaysintheCaribbean?Woman:Mm,ye-Woman:Mm,ye-eses.3.Woman:Itsnotworthsavingyourmoney,itsbetterto3.Woman:

20、Itsnotworthsavingyourmoney,itsbettertospendit.spendit.Man:Oh,sure!Man:Oh,sure!4.Man:Itsbettertobehappythanrich.4.Man:Itsbettertobehappythanrich.Woman:Hmm.Woman:Hmm.5.Woman:Well,basically,inajobthemostimportant5.Woman:Well,basically,inajobthemostimportantthingishowmuchyouearn.thingishowmuchyouearn.Ma

21、n:Oh,yes!Man:Oh,yes!6.Man:Itsreallyimportanttosavealittlemoneyevery6.Man:Itsreallyimportanttosavealittlemoneyeverymonthyouneverknowwhenyoumightneedit.monthyouneverknowwhenyoumightneedit.Woman:Idontknowaboutthat!Woman:Idontknowaboutthat!7.Man:Theonlywaytosurviveonatightbudgetisto7.Man:Theonlywaytosur

22、viveonatightbudgetistokeeparecordofallyourexpenses.keeparecordofallyourexpenses.Man:Idontknowaboutthat!Man:Idontknowaboutthat!8.Woman:Childrenthesedaysgetfartoomuchpocket8.Woman:Childrenthesedaysgetfartoomuchpocketmoney.money.Woman:Woman:MmmMmm!9.Woman:Inafamilyitshouldbethemotherthat9.Woman:Inafami

23、lyitshouldbethemotherthatcontrolsthebudget.controlsthebudget.Woman:Yes!Woman:Yes!10.Man:IfIinheritedalotofmoneyitwouldntchange10.Man:IfIinheritedalotofmoneyitwouldntchangemylifeatall.mylifeatall.Man:Oh,yes!Man:Oh,yes!n nbankersn nNationalTeachChildrentoSaveDayn nobstaclen nPresentationsn nsavemoneyn

24、 nsavingshabitn nretailchanneln ntipsn nExerciseAfocusesonthemajorpointsofthematerialwhileExerciseBdwellsonsomespecificdetails.Rememberthatthefirststepinlisteningcomprehensionisalwaystograspthemajorpoints.BeforeyoudoexerciseB,youmayreadthephrasesinthetwocolumnstogetyourselfpreparedfortheincominginfo

25、rmation.n nSomeusefulphraseslinkedwithsavings:a.disposableincomes可支配收入b.learntobudget学会预算c.monthlystatements月报表d.savingspassbooks储蓄存折储蓄存折Listentothereport.Supplythemissinginformation.Listentothereport.Supplythemissinginformation.n nNationalTeachChildrentoSaveDayNationalTeachChildrentoSaveDayn nSubje

26、cts:Subjects:elementaryschoolchildrenacrosstheelementaryschoolchildrenacrossthecountrycountryn nTime:Time:Thursday,April17Thursday,April17n nSponsor:Sponsor:AmericanBankersAssociationEducationAmericanBankersAssociationEducationFoundationFoundationn nPurpose:Purpose:teachingchildrenhowtosaveteachingc

27、hildrenhowtosavemoneymoneyn nWayofteaching:Wayofteaching:2500bankersmaking50002500bankersmaking5000presentationspresentationsNowlistenagain.ThefollowingaresomeofthetipsforparentstofosterNowlistenagain.Thefollowingaresomeofthetipsforparentstofosterthesavingshabitintheirchildren.MatchcolumnA(purpose)w

28、iththesavingshabitintheirchildren.MatchcolumnA(purpose)withcolumnB(Howtodo).columnB(Howtodo).ColumnAColumnA n n1.Makingsavingsvisibleandreal1.Makingsavingsvisibleandrealn n2.Encouragingchildrentosaveasmuchastheycan2.Encouragingchildrentosaveasmuchastheycann n3.Afirststeptowardlearningtobudget3.Afirs

29、tsteptowardlearningtobudgetn n4.Makingsavingsandinvestingfun4.MakingsavingsandinvestingfunColumnBColumnBn ngivingchildrenplaymoneygivingchildrenplaymoneytoinvestintoinvestinstockstheycantrackinstockstheycantrackinlocalnewspaperslocalnewspapersn ngivingchildrenanallowanceandpartofitgoingintotheirowng

30、ivingchildrenanallowanceandpartofitgoingintotheirownsavingssavingsn nputting25centsawayforeverydollarthechildrenearnputting25centsawayforeverydollarthechildrenearnn nbuildingupsavingsinapiggybank/openingchildrensownbankbuildingupsavingsinapiggybank/openingchildrensownbanksavingsaccountsavingsaccount

31、n nOnThursday,April17,NationalTeachChildrentoOnThursday,April17,NationalTeachChildrentoSaveDay,2500bankerswillmake5000SaveDay,2500bankerswillmake5000presentationsinelementaryschoolclassroomsacrosspresentationsinelementaryschoolclassroomsacrossthecountrytoteachchildrenhowtosavemoney.thecountrytoteach

32、childrenhowtosavemoney.BankersarecommittedtoinvestinginthefutureBankersarecommittedtoinvestinginthefutureofchildrenbecausewewantthemtobeabletomakeofchildrenbecausewewantthemtobeabletomakesmartfinancialdecisionsthroughouttheirlifetime,smartfinancialdecisionsthroughouttheirlifetime,saidAmericanBankers

33、AssociationExecutiveVice-saidAmericanBankersAssociationExecutiveVice-presidentDonaldG.Ogilvie.EducationandmoneypresidentDonaldG.Ogilvie.Educationandmoneymanagementskillsarekeystoabetterlife.managementskillsarekeystoabetterlife.n nTheABAEducationFoundationdeclaredNationalTeachTheABAEducationFoundatio

34、ndeclaredNationalTeachChildrentoSaveDayasawaytoshowbankingindustryChildrentoSaveDayasawaytoshowbankingindustrysupportforteachingchildrenmoneymanagementskillsandsupportforteachingchildrenmoneymanagementskillsandencouragingthemtosavemoneyforthefuture.In1996,encouragingthemtosavemoneyforthefuture.In199

35、6,Americanssavedonly4.9%oftheirdisposableincomes,Americanssavedonly4.9%oftheirdisposableincomes,comparedto1970whentheysaved8%.comparedto1970whentheysaved8%.TheFoundationcoordinatedagreateffortwithstatebankersTheFoundationcoordinatedagreateffortwithstatebankersassociationstoencouragebankerstoparticip

36、ateinNationalassociationstoencouragebankerstoparticipateinNationalTeachChildrentoSaveDay.ItalsopreparedaresourcekitTeachChildrentoSaveDay.Italsopreparedaresourcekitwithtoolstohelpbankersmakepresentationsinclassrooms.withtoolstohelpbankersmakepresentationsinclassrooms.Morethan125000studentswillbepart

37、ofthisnationalMorethan125000studentswillbepartofthisnationalinitiative.initiative.n nTheABAEducationFoundationalsoofferstipsforTheABAEducationFoundationalsoofferstipsforparentstofosterthesavingshabitintheirchildren:parentstofosterthesavingshabitintheirchildren:n nGivethemanallowancewiththeunderstand

38、ingthatGivethemanallowancewiththeunderstandingthatpartofitgoesintotheirownsavingsafirststeppartofitgoesintotheirownsavingsafirststeptowardslearningtobudget.towardslearningtobudget.n nTomaketheirsavingsvisibleandreal,havethemTomaketheirsavingsvisibleandreal,havethembuildupsavingsinapiggybank.Thenhelp

39、thembuildupsavingsinapiggybank.Thenhelpthemopentheirownbanksavingsaccount,andhavethemopentheirownbanksavingsaccount,andhavethemmakedepositseachmonth.makedepositseachmonth.n nUsetheirmonthlystatements,ortherecordintheirUsetheirmonthlystatements,ortherecordintheirsavingspassbooks,toshowthemhowtheirmon

40、eyissavingspassbooks,toshowthemhowtheirmoneyismultiplying.multiplying.n nForeverydollaryourchildrenearn,encouragethemForeverydollaryourchildrenearn,encouragethemtospend25centsonwhattheywantorneednow,puttospend25centsonwhattheywantorneednow,put25centsawayforabigger-itempurchaselaterand25centsawayfora

41、bigger-itempurchaselaterandsaveorinvesttherest.(Thatsa50%savingsrate!)saveorinvesttherest.(Thatsa50%savingsrate!)n nMakesavingsandinvestingfun.GiveyourchildrenMakesavingsandinvestingfun.Giveyourchildrenplaymoneytoinvestinstockstheycantrackinplaymoneytoinvestinstockstheycantrackinlocalnewspapers.Ifth

42、estocksgoup,paytheminlocalnewspapers.Ifthestocksgoup,paytheminmoreplaymoney;ifthestocksdecline,theypayyou.moreplaymoney;ifthestocksdecline,theypayyou.Part3Safeinvestingn nImaginethatyouhavewonalargesumofmoneyinacontest.Someofityoudecidetospend,butyoualsowanttoinvestapartforyourfinancialfutureandreti

43、rement.Whatwouldbethebestwaytoinvestyourmoneyforthesetimeperiods:sixmonth,twoyears,10years,15years,and30years?An nHi,ImGeorgeHi,ImGeorgeBorosBoros.Haveyoualwayswantedtoinvest,but.Haveyoualwayswantedtoinvest,butdidntknowwheretogetstarted?Wereheretodaytopresentdidntknowwheretogetstarted?Wereheretodayt

44、opresentyouwiththreebasicguidelinestosmartinvesting,foryouryouwiththreebasicguidelinestosmartinvesting,foryourfuture.future.n nNumberoneistohavecleargoals.DecidehowmanyyearsNumberoneistohavecleargoals.Decidehowmanyyearsyouwillinvestfor,andwhatyourneedswillbeinthefuture.youwillinvestfor,andwhatyourne

45、edswillbeinthefuture.n nNumbertwoistounderstandtherangeofpossibilities.YoullNumbertwoistounderstandtherangeofpossibilities.Youllwantadiversifiedportfolio:onewithamixofstocks,mutualwantadiversifiedportfolio:onewithamixofstocks,mutualfunds,bondsandcash.Itsajungleoutthere.Eachofthesefunds,bondsandcash.

46、Itsajungleoutthere.Eachoftheseproductshasdifferentrisksassociatedwiththemandalsoproductshasdifferentrisksassociatedwiththemandalsodifferentpotentialrewards.Understandthembeforeyoubuy,differentpotentialrewards.Understandthembeforeyoubuy,sotherewontbeanybigsurpriseslater.sotherewontbeanybigsurprisesla

47、ter.An nFinally,numberthreeistohaverealisticexpectations.AsourFinally,numberthreeistohaverealisticexpectations.AsourfriendLeonardofriendLeonardodadaVincisaidintheyear1500:HewhoVincisaidintheyear1500:Hewhowishestoberichinadaywillbehangedinayear.“wishestoberichinadaywillbehangedinayear.“n nOverthepast

48、severalyears,NewYorkstockshaveaveragedOverthepastseveralyears,NewYorkstockshaveaveraged30%annualreturns,butdontcountonthiscontinuing.While30%annualreturns,butdontcountonthiscontinuing.Whileitstruethatsincetheyear1900,stockshaveaveragedan11%itstruethatsincetheyear1900,stockshaveaveragedan11%annualret

49、urn,itsaroller-coasterridewithmanyminusyearsannualreturn,itsaroller-coasterridewithmanyminusyearsaswell,soyouhavetostayinforthelongtermyouhavetoaswell,soyouhavetostayinforthelongtermyouhavetoweatherthestormandnotbetoogreedy.weatherthestormandnotbetoogreedy.n nWell,letsgetstartedandHappyhunting!ForFN

50、N,thisisWell,letsgetstartedandHappyhunting!ForFNN,thisisGeorgeGeorgeBorosBorosreporting.reporting.Investingn nWhatistheinvesting?Whatistheinvesting?n nTworeasons:Tworeasons:ThefirstistostayaheadofinflationandthesecondistoThefirstistostayaheadofinflationandthesecondistoachievefinancialgoals.achievefi