新标准大学英语4-B4U4教案

大学英语（提高）（2-2）教案Unit4MoneyTalksSection1Lead-inActivity1Howdobankswork?1.Doyouknowhowbanksmakemoney?Firsthaveadiscussionwithyourpartnersanddescribebrieflyaboutthewaybanksmakemoney.Thefollowingaresomepossiblyinvolvedwords.deposit存款savingsaccount储蓄帐户interestrate利息率loan贷款margin/difference差额2.Nowlistencarefullyanddothecompounddictation.ThisisfinancialadviserPatrickMunrotalkingabout,“Howdobankswork?”Banksaredesignedascommunityserviceorganizations;howevertheyareprivatebusinessesandthey’redesignedtomakeaprofit.Whatbanksdoistheytakeinwhat’scalleddeposits.Inotherwordswhenyouhaveapaycheckandtakeittothebankforsafetypurposes,youcandepositthatmoneywiththebank.Thebankwillpayyouaninterestrate,loweronasavingsaccount,evenloweronacheckingaccount.Buttheyhavenowgotthedepositintheirportfolio(投资组合).Whattheywillthendoisturnaroundandlendmoneyoutatahigherinterestratethroughthingssuchasmortgages(抵押),creditcards,carloansandvariousotherfinancialinstrumentsthataredebtrelated.Banksworkonwhat'scalledamargin.Sowhattheypayyou,forinstancetwopercentonyourcashaccounts,andlendoutandautoloanatsevenpercent,thebankwillmakethedifference,whichisfivepercent.Sobankscanbecomeveryprofitableinashortperiodoftime.ThisisPatrickMunrotalkingabouthowdobankswork.Activity2Shareyourfavoritemoneyquotesanduseexamplesorpersonalexperiencetosupportyourchoice.Example1.Moneyistherootofallevil.2.Lookafterthepenniesandthepoundswilllookafterthemselves.3.Whoeversaidmoneycan’tbuyhappinessdidn’tknowwheretogoshopping.Suggestedanswer:1.Moneyistherootofallevil.→Moneyisbehindthecrimes&wrong-doingsintheworld,forexample,bankrobberiesandmurderswithafinancialmotive2.Lookafterthepenniesandthepoundswilllookafterthemselves.→takingcareofyourspending&savingmoneyIfyouarecarefulaboutsmalldetails,e.g.smallamountsofmoney,thelargeramountsofmoneywillnotneedmuchattention(theywilllookafterthemselves)3.Whoeversaidmoneycan’tbuyhappinessdidn’tknowwheretogoshopping.→Ifyouknowwheretogoshopping,youcan,infact,buyhappiness.Youhavetosearchfortherightplace.Butitseemsthatmanypeopledonotknowwherethisis.Activity3BankcreditratingDothequizonP50tofindwhetheryouareagoodcustomertobanks.Mostly(a)s:MediumYou’veprobablyneverbeeninsideabankinyourlife,butsoonerorlateryou’llhaveto–andthey’llbelookingtotryandmakeyouchangeyourlifestyle.Awordofadvice,though,don’tbelieveeverythingtheytellyou!Mostly(b)s:LowYou’reacautiouscustomer,butyou’reapracticalpersontoo.Thebankswon’tmakealotofmoneyoutofyou!Mostly(c)s:HighYou’rejustthesortofcustomerthebanksarelookingfor.Theylikepeoplewhospendmoneywithoutthinkingabouttheconsequences!Youarewelcomedtousetheircreditcard.Activity4IntroductionofcreditcardsListentoarecording&completethesummary.Acreditcardallowsyouto1)chargesomethingimmediatelyandthenpayforthebillforata2)laterdate.Onceacreditcardhasbeenissued,youcanmakepurchaseswithintheprescribedcredit3)limit.Acreditcardwithalimitof$100.00enablesyoutopayforupto4)$100.00worthofitems.Everymonth,youwillreceivecreditcard5)statementsthatliststhechargesyouhavemade.Youhavetopayyourbillinfullbythe6)duedate.Otherwise,youhavetopay7)interestora8)financecharge.ScriptCreditcardsareanimportantpartofAmericanlife.Whetherwehaveapositiveornegativeimageofcreditcards,theyareaninescapablepartofourfinances,eithernoworinthefuture.Acreditcardcanbeusedto"charge"thingslikeclothes,tapesorCDs,dinneratarestaurant,ormaybeahotelroomwhileyou'reonvacation.Whenyouchargesomething,youareagreeingnowandpayingforitlater.Creditcardscomewitha"limit".Let'ssayyourcreditcardhasalimitof$100.00.Thatmeansyouchargeupto$100.00worthofitemsonyourcard.Youwillgetastatementinthemaileachmonththatliststhechargesyouhavemade.Youwillalsohavetomakeapaymentthatyouhaveabalanceowing.Whenyouchargesomethingonacreditcard,younotonlywillhavetopayforwhatyoubought,butyouwillalsohavetopayinterest,orafinancecharge,ifyoudon'tpayyourbillinfullbytheduedate.Thefinancechargeisyourextracostforhavingsomethingnowandpayingforitlater.Theinterestrateonacreditcardcanbe15%orevenhigher.If,however,youpayyourbillinfulleverymonthbytheduedate,youdonothavetopayinterest.Activity5ViewsoncreditcardsWatchavideoclipanddiscussthequestionsingroups.1.Whataretheadvantagesofhavingacreditcard?2.Whatsortofcustomersdothecreditcardcompanieshate?3.Whataregoodcustomersforcreditcardcompanies?4.Howdocreditcardcompaniesmakeprofits?5.Whatarethedangersofhavingacreditcard?Suggestedanswer:1.Whataretheadvantagesofhavingacreditcard?Youcanpayforgoodsandserviceswithoutusingcashorachequewhichmeansthatyouonlyneedtocarryonecardaroundwithyou.Youcanspendmorethanyouhave.2.Whichsortofcustomersdothecreditcardcompanieshate?peoplewhopayofftheirbillsontime3.Whataregoodcustomersforcreditcardcompanies?peoplewhodon’tpayofftheircreditcarddebts4.Howdocreditcardcompaniesmakeprofits?charginginterestrates5.Whatarethedangersofhavingacreditcard?ImproperusecandamagecreditratingHigherriskforimpulsivebuyingandoverspendingDebttrapwhenusedunwiselyExpensivewaytoborrowduetohighinterestratesLesstospendinthefutureduetopayingoffpurchasesfrompastPossiblehiddenfees&surchargesPrivacyisanincreasingconcernIdentitythefteasierSection2PassageLearning1.TextorganizationPart1(Para.1~22):Threestoriesofcreditcards.Part2(Para.23~24):Creditcardtrapssetbybanks.Part3(Para.25~27):Solutionstothecreditcardtraps.2.Comprehendingthetext,answeringthequestions.1.Whydidtheauthordesiretoapplyforagoldcard?2.Whichsortofcustomersdocreditcardcompanieswant?3.Howdocreditcardcompanieslurepoorstudentsintoapplyingforacreditcard?4.WhatdidKellyhavetopaywhenshewentoverthelimitonheroverdraft?5.WhywasKellyrecordedasabadcreditrisk?Howdiditaffectherlife?Suggestedanswers:1.Whydidtheauthordesiretoapplyforagoldcard?Itwasastatussymbol,whichmadeherfeelgoodwithherselfanddesirabletoothers.2.Whichsortofcustomersdocreditcardcompanieswant?Peoplewhoarelikelytospendmoremoneythantheyhave.3.Howdocreditcardcompanieslurepoorstudentsintoapplyingforacreditcard?unrealisticinterestrates/lowinterests.4.WhatdidKellyhavetopaywhenshewentoverthelimitonheroverdraft?Shehadtopayfortheoverdraftandhighmonthlyinterestontheoverspendoftheoverdraft.5.WhywasKellyrecordedasabadcreditrisk?Howdiditaffectherlife?Shewasunabletopaybankcharges,creditcarddebtsandinterest,soshewasrecordedasabadcreditrisk.Itpreventedherfromgettingastudentloan,therefore,shehadtodropoutoftheuniversity.3.Understandingwriter’sattitudeThewriterusesanumberoftechniquesandstylisticfeaturestocriticaleffect.ironyhumouranecdotesrhetoricalquestionsmixingformalandcolloquiallanguagemakingasides(commentsinbracketsonherownaccountasitdevelops).Forexample:1.Ihaveaconfession.Hasthewriterdonesomethingseriouslywrong?→NO.Itmakesaninterestingandironicbeginning.Theauthorisabouttorevealapersonalstatement,whichdrawsthereaderintothepassage.Theconfessionisactuallyaboutsomethingsmallandquitetrivial.Thewriterusesthestoryofthisexperiencetoraiseseriousissuesaboutcreditcardsandbanks.2.Howdidshedothis?Howcouldthisbe?IknewIearnedmorethanher,mycarwasnewer,andmyhousewassmarter.Howdidshegettoappearmoreflashthanme?Whateffectdoestheseriesofquestionshave?→rhetoricalquestionsTosharethewriter’sfeelingswithusToemphasizehowthewriterwassurprised&puzzledbythehigh-statusgoldcardofherfriend.3.Shehasastudentloanof£3,000,likemostofherfriends,andasmallallowancefromherpoormother(ha!)fortransport,books,livingexpenses.Ha!isanasidewhichindicatesalaugh.Whatisthelaughfor?→amockingorironiclaughI’mpoorbutstillhavemoneytogivemydaughteranallowance.4.Shehuggedme(neverusuallydoesthat)andthensaid,“Mum,Ineedtotalktoyou.”Whydoesthewriteraddthedetailinbrackets?→makingasides(旁白，独白)Howthedaughterisbeingunusuallynicetohermother.Shewantstomakeaspecialrequest.Thedaughterisgoingtoraiseaseriousmatter.4.TextevaluationWorkingroupsanddiscussthequestions,eachgroupwithonequestiononly.1)Howhavecreditcardschangedpeople’sattitudetomoney?2)Isitimmoraltoencouragepeopletospendmoneythattheydon’thave?3)Ifcompaniesorbusinessesgetintodebtbyoverspending,shouldtheybehelpedbythestate?4)Shouldschoolsteachchildrenaboutmoneymanagement?5)Wouldtheworldbeabletofunctionwithoutbanks?Ifso,woulditbeabetterplacetolivein?Suggestedanswers:1)Howhavecreditcardschangedpeople’sattitudetomoney?easytobuythingsorpayforserviceswithouthandlingmoneyeasytolosetrackofwhatyouarespendingmorecasual&carefreeattitudestomoneyspendmoreacreditlimitwhichallowsanoverdraftencouragesomepeopletogetintodebtwhentheycannotaffordtodoso.2)Isitimmoraltoencouragepeopletospendmoneythattheydon’thave?Yes,itisimmoralbecausethecreditcardsysteminvitespeopletogetintodebtmaketheefforttohelppeoplewholatergetintofinancialdifficultyinsteadofsimplypunishingthemwithhighinterestratestrytheirbesttopayofftheirdebtsassoonaspossible3)Ifcompaniesorbusinessesgetintodebtbyoverspending,shouldtheybehelpedbythestate?2issues:①howthehelpwillbegivenandwhatconditionsaremadetothecompanies;②whichcompanieswillreceivehelp—therehavetobepublicizedcriteriaaboutwhichcompaniesareconsideredtobevitalforsociety.4)Shouldschoolsteachchildrenaboutmoneymanagement?anessentialtopicbringtogetherdifferentaspectsofmoneymanagementtocreateafocusforchildrenfinancialcalculationssettinggoals,planninginsteps&makingdecisionsethicsandmoralityinmoneymanagementrelatingmoneymanagementtofamilylifeandpersonals,&householdbudgets5)Wouldtheworldbeabletofunctionwithoutbanks?Ifso,woulditbeabetterplacetolivein?Thepresentworldcan’treallyfunctionwithoutthembutitwouldbeahappierplaceifbanksgaveprioritytotrust,securityandpublicbenefits.3.SummarySummarisethetextbyfillingtheblanks.Today,wearecaughtinthecreditcrunchbecausebankssettrapswhichappealto1)ourvanityandgreedandsometimestoourbasicneedforsurvival.Thebanksgiveafalsesenseofsuperioritytopeoplewith2)exclusivegoldcreditcardsinhard.Theytargetpeoplewhoareproneto3)impulse-buying,and4)potentiallybadcreditrisks,temptedto5)spendmorethantheyhave,andliableto6)fallbehindwithrepayments.Theylureimpoverishedstudentswith7)unrealisticinterestrates.Theychargepeoplewhogooverthelimittheexorbitantinterestbutomittotellthemtheinterestpaidisnotforthedebt,butfor8)theoverspendoftheoverdraft.Byattractinguswiththeir9)endlesspublicityforloansofmoney,thebanksearnmoney.Sohowtogetourselvesoutofthetraps?Layoutallofyourcreditcardsinaline,takealargepairofscissorsandcutthemintosmallpieces.Thenthebankshaveno10)potentialtotemptmoneyawayfromyou.4.Difficultsentences1)Mycreditcardwasafairlypatheticwhereasherswasaveryexclusivegoldone.(Para1)Question:Howdidthewriterfeel?Shefeltinferiorandwantedagoldcreditcardtoo.我的信用卡太寒酸了，是不显示身份地位的深蓝色卡，而她的信用卡则是高级的金卡。2)Theytargetpeoplewhoarepronetoimpulse-buying--liabletofallbehindwithrepayments.(Para7)他们的目标客户是那些随时有购物刷卡的冲动、有潜在信用风险、经不住诱惑超支消费、经常延期还款的人。3)AfterI’dhauledherbackintothehouse...andsoon.(Para12)Whatdoessubjecttomean?Heresubjecttoindicatesalikelihoodthatsthwillhappen.我费了好大劲儿才把她从外面拽了回来。原来她的银行来信告诉她说：她可以申请一张试用期为三个月的、能够低息贷款的信用卡，只要满足要求······如此云云。4)Naturally,therewasalengthycorrespondenceherdebtsbegantorisemorethan£200abovetheagreedlimitonheroverdraftof£1,500.(Para14)Whatdoesshewentintotheredmean?Itmeansshehasspentmoremoneythanshehasonherbankaccount.通过书信同银行交涉的时间相当长，而未能及时支付帐户资金使得她欠了银行的债，欠款额超过了透支额度（1,500英镑）200多英镑。5)Andherewearetoday,caughtinthecreditcrunch,--attractinguswithendlesspublicityforloansofmoneywhicheventheydidn’thave!(Para24)这就是我们现在的处。随着世界经济一落千丈，我们都处在信贷危机之中。所有这一切都是因为邪恶的银行家通过大量广告推销他们压根就不存在的贷款来吸引我们，给我们设圈套。5.LanguagePoints1.对······感到很满意feelcontentedby2.莫大的羞耻abjectshame3.付清信用卡欠款payoffcreditdebts4.信用等级高haveagoodcreditrating5.从打击中回过神来recoverfromtheshock6.随时有购物刷卡的冲动bepronetoimpulse-buying7.超支消费spendmorethantheyhave8.超低利率unrealisticinterestrates9.担当保证人 actasaguarantee10.事情是这样的······Ittranspiredthat…11.访问帐户资金 accessfundsinsb’scurrent12.欠债 gointothered13.超支gooverthelimit14.事情越来越糟Thingsgofrombadtoworse.15.消费节制有度havegreatrestraintwithone’sspending16.生活节俭beeconomicalaboutone’slifestyle17.继续完成大学学业haveanothergoatuniversity18.设下陷阱settraps19.把······排成一排layoutsthinaline20.从······身上骗钱temptmoneyawayfrom6.DebatingFormagroupoffourtodebatethetopic:itisnecessarytogetastudentcreditcard.7.ListeningListentoarecordingandfindouttheadvantagesanddisadvantagesofgettingastudentcardaswellastheadvice.Astudentcreditcard?Isitrightforme,andcanithelpmepayforexpensesonlinesuchasonlinecourses,music,language-learningmaterials,orevenadegree?Actually,theanswermightbeyesorno,dependingonyourcircumstances.Ofcourse,probablythebestadviceistosaveupandthenmakepurchaseswithcash.Unfortunately,differentonlineservicesoftenrequireacreditcard.Herearesomeideastogettingacreditcard.Firstofall,obtainingastudentcreditcardisbecomingeasier,andmanycompaniesareofferingsuchcardstostudentsinthisgrowingmarket.Fromastudent'sperspective,itallowsapersontopayforthingsonlinethatonlycanbepurchasedoncredit.Furthermore,itcanhelpstudentsbuildagoodcredithistorythatisoftenneededlaterforbiggerpurchaseslikeacarorhome.Inspiteoftheseadvantages,studentshavetobecarefulbecauseinterestratesonsuchcardsareoftenhigherandhavehigherpenaltiesifyoufailtopayontime.Furthermore,studentsmayspendwellbeyondtheirmeansandendupindebtthattheycan'tpayoff.Perhaps