LTW4Unit3市公开课一等奖省赛课微课金奖课件

ListenThisWayBook4Unit3LoansfortheDreamPartIGetting

readyPartIIRaisingmoneyforbuyingacar

PartIIICreditcardsPartIVMoreaboutthetopic:TheGreatEuroCrisisPartVDoyouknow...?PartVIIWatchandenjoy1/38PartIGettingreadyWheredoesallyourmoneygoinyourfamily?Thishassomethingtodowithexpenditure.Acompanyalsohasitsexpenditure.Whatdoyouthinkaresomeoftheitemsacompanymustspendmoneyon?2/38A.Thefollowingwordsandphraseswillappearinthisunit.Listencarefullyandstudythedefinitions.1.depreciation贬值，折旧2.overdraft透支额3.collateral质押，抵押品，贷款担保物4.lifepolicy人寿保险，寿险5.deed契约，（尤指不动产）证书6.securities证券7.balance（账户）余额8.duedate到期日9.economicbubble经济泡沫10.finance负担经费，供给经费11.dime（美国、加拿大）一角硬币3/38B.Listentothefollowingdialogues.Completetheexercises.4/38Dialogueone:Ticktheexpenditureitemsmentionedbythespeaker.√√√√Charities*慈善活动5/38Dialoguetwo:Completethechart.Usetickstoindicatewhethertheexpendituresonthoseitemsareup,downorthesameaslastyear.Supplythefiguresmentioned.√√√√√DepreciationSecretarialexpensesAudit&accountancycosts*贬值，折旧*行政费用*审计和会计费用2,5662,612AudioscriptHomepage6/38PartIIRaisingmoneyforbuyingacarOwningacarisperhapsadreamformanypeople.However,buyingacarrequiresalotofmoney.Howcanyourealizethatdream?Turntothebankforhelp.7/38A.Listentothedialogue.Takenotes.Thencompletethesummary.*proposition提议，主张*anotherfourhundred-odd还需要四百美元左右*bearing关系，影响，关联*deathcover死亡保险

Mr.Jacksonworksinthe______withagoodsalary.Ashisoldcaristoooldtobeworth________,hewouldliketohaveanewerone.Sincehecangetabout_______________fortheoldcar,hewantstoraisesomemoney,___________________________

overdraft,fromthebank.Thebankmanagersuggeststwokindsofloanswithdifferent_______________andconditions:aPersonalLoanand_______________.Mr.Jacksonisexpectedtorepaythemoneywithin___________.24monthsanOrdinaryLoaninterestratesthreehundredfiftytofourhundredahundredpoundsrepairingcollege*透支额8/38B.Nowtrythis:listentoamoreauthenticversionofthedialogue.Firstcompletethecharttoshowthedifferencesbetweenthetwoloans.ThentrytofindtheEnglishequivalentsoftheChineseexpressionslisted.9/38√Aday-to-daybasisX7%10/381. 透支额（贷款）：2. 偿还：3. 短期贷款（业务）：4. 付利息：5. 担保物：6. 寿险：7. 房屋房契：8. 政府证券：9. 凭证：10. 按日计算：overdraftrepaylendersintheshorttermpayinterestoncollaterallifepolicydeedsofthehouseGovernmentSecuritiescertificateonaday-to-daybasisAudioscriptHomepage11/38PartIIICreditcardsCreditcardshavetakenanimportantroleinourlife.Cardholdersuseittobuygoodsandthentoreceiveastatementeverymonth.However,usingacreditcardcanbeveryexpensive.Doyouknowwhy?12/38A.Listentoamini-lectureaboutcreditcardsgivenbyYoungAmericanBank.Completetheoutline.*balanceowing应付差额，应付欠款*bytheduedate到期日之前*hands-onexperience实际经验*blowit搞砸13/38importancelaterlotsofpurchasesinterestThebenefitsemergenciestravel____________________________—expensiveThepotentialdisadvantages14/38B.Nowtrythis:listentoamoreauthenticversionofthematerial.AudioscriptHomepage15/38PartIVMoreaboutthetopic:TheGreatEuroCrisisMichaelPortillo,formerUKConservativePartypoliticianandCabinetMinister,isonhiswaytodebt-strickenGreece.HebelievesthattheEurocrisismusthaveshakentheGreeks’faithinEurope’ssinglecurrencyandwondersifthere’llbeadesiretoreverttothefree-floating

Drachma.WithtensionsrisingintheEurozone,isthisthemomentitbecomesmoreunited,orwillitbepulledapart?*debt-stricken债台高筑，债务缠身*revertto回归到，恢复为*free-floating汇率自由浮动*Drachma德拉克马，实施欧元之前希腊货币单位16/38Inthissection,youaregoingtohearpartofadocumentaryontheGreekfinancialcrisis.Whilelistening,notedownthekeywordsinthenotescolumn.ThenfillinthegapsinthefollowingcharttomakeacomparisonbetweenGreecebeforeandafterjoiningtheEuro.*indirestraits身处困境，穷困潦倒*aneconomicboom经济繁荣，经济腾飞*aspendingbinge投资狂潮，消费狂潮*theyearsofbust大萧条时期*taketheplunge孤注一掷，决意冒险*shrine圣地，神殿*abuyingspree消费狂潮*intertwine纠缠，交缠*technologicalwizardryofGermany德国高科技*Germanmanufacturingmight德国制造业*economicbubble经济泡沫*rigged作弊，非法操纵*euphoria精神欢快，幸福感，愉悦感*predominantly主要地，大多数地*recession经济衰退，经济不景气17/38beautifullocationforsaleweakexportstronguncompetitivemanufacturedimportstheirlocalvillagefancyvillasluxurygoodsParisolives*别墅*橄榄18/38French,Italian,JapanesecarsGermanluxurycars,e.g.PorscheCayenne__________________tocheaper&lowerinterestratesunder3billionEurosover8billion*保时捷卡宴（德国豪车）AudioscriptHomepage19/38PartVDoyouknow...?TheMarchofDimesisanationalvoluntaryhealthagencywhosemissionistoimprovethehealthofbabiesbypreventingbirthdefectsandinfantmortality.Foundedin1938,theMarchofDimesfundsprogramsofresearch,communityservices,education,andadvocacytosavebabies.*birthdefects出生缺点，先天性缺点*infantmortality婴儿死亡率*advocacy提倡，主张20/38Youaregoingtohearaninterestingshortstoryabout“theMarchofDimes”.Whilelisteningforthefirsttime,writedownsomekeywordsinthenotescolumn.Afterthesecondlistening,completethefollowingstatementsbyfillinginthemissinginformation.*vaccine疫苗*paralyze使麻痹，使瘫痪21/381.Attheageof___,PresidentRooseveltsufferedfrompolioandcouldneverstandwithouttheaidof___________andheavyleg_________.2.In1938,U.S.PresidentFranklinRooseveltestablisheda_____________foundationtohelppolio_______.3.Inorderto_____moremoneyforthefoundation,EddieCantor,oneofthePresident’s____________friends,askedeveryAmericantosend_______totheWhiteHouse.Thecampaignwascalled“__________________”.4.Sometimesasmanyas_________letterscontainingdimesarrivedeachdayinWashington.5.AfterFranklinRooseveltdiedin______,theAmericanCongressvotedtoputhis__________ontheU.S.coin—thedime.likeness1945150,000theMarchofDimesadimeshowbusinessraisevictimsspecialmedicalbracescrutches39*拐杖*腿支架*肖像*小儿麻痹症AudioscriptHomepage22/38PartVIIWatchandenjoy*amild-manneredbusinessman温文尔雅商人*maxedout刷爆（信用卡）*jeopardy危险*straightenedout澄清，搞清楚*papi父亲*Señor先生23/382.*Sandy’screditcardwasmaxedoutbysomeoneelse,soitcannotbeusedproperly.4.*Sandygotarrestedbecauseofthecreditcardtrouble.AudioscriptHomepageTFTF*gaspump加油站1.（）Thegaspumpdoesn’tacceptSandy’screditcardbecausethecredithasbeenexceeded.2.（）Sandyforgottopayhisbills,andsohiscreditcardcannotbeusedproperly.3.（）It’snotSandywhospent$4,345atGreatBeyondWaterSportsinFlorida.4.（

）Sandygotarrestedbecausehetalkedonmobilephonewhiledriving.24/38Dialogueone:A:Youaskedmewhereallthemoneygoes.It’sdifficulttosayexactly,butobviouslywespendalotofmoneyongroceries.Ienjoycooking,andaswehavealargefamily—fourchildren—ourfoodbillisquitebig.Wealsolikeeatingout—mywifeandIprobablygoouttoarestaurantaboutonceaweek.Unfortunately,therearenotheatresroundhere,sowedon’tgotothetheatreasmuchaswe’dlike.Butwedospendmoneyonourhobbies.Ilikedoingjobsaroundthehouse—I’moneofthelocalDIYcenter’sbestcustomers—andI’mverykeenonsailing—that’saveryexpensivehobby.I’malsoveryinterestedinantiques,especiallyclocks.Youmustletmeshowyoumycollectiononeday...B:I’dlikethat.Iwantedtoaskyouaboutholidays.Doyouusuallygoabroadorstayinthiscountry?A:Weusuallystayhere.Infact,wespendverylittleonholidays.Wehaveasmallhouseneartheseaandweusuallygothere.That’swhereIdomysailing.Wedidgoawayforaweeklastyear,butthatwasexceptional.25/38Dialoguetwo:A:Sohowmuchdidwespendonentertainmentthisyear?B:2,566.A:That’sdownalittleonlastyear.Andwhat’sthefigurefordepreciation?B:300,thesameaslastyear.A:Hm,expenditureonsecretarialexpensesisup.B:Yes,there’sabigincreasethere.A:What’sthefigureof2,612for?B:Where’sthat?A:Sixfiguresdown.B:That’smotorexpenses.A:Andwhatdoesthisfigurerepresent?B:Auditandaccountancycosts.A:They’rebothupalot.B:Yes,butexpenditureontelephoneandpostageisdown.It’shalfasmuchaslastyear.Audioscript26/38J—Mr.Jackson B—BankManagerB:Well,goodafternoon,Mr.Jackson. J:Goodafternoon.I’vecometoseeyoutoseewhetherit’spossibleto...getanoverdraft.I’m...Iwantsomemoney.[Yes]I’lltellyouquitefranklywhatitis.I’mwantingtobuyanewcar.[Yes]Idon’tknowwhetherit’spossibletoraiseanymoneyfromthebankinthisway.B:Er,Iseenoreasonwhynot.J:I’vegotanoldcar...B:What’syourproposition?J:Well,I’vegotthisoldcarwhichisaneight-year-oldMorris1000,andIdon’tthinkthere’sanypointinhavingitrepairedanymorebecauseitjustisn’tworthit.IfeelthatIcouldprobablygetaboutahundredpoundsforitandthenthatmeansthatIwouldneedaboutanotherfourhundred-odd,threehundredandfifty...[Mhm]er,ontopofthat,tobuya,a,notanewcarexactly,butanewerone.[Mhm]Um,...B:Doyouusethecarforyourbusiness,foryourwork?J:Er,yesIdo,uptoapoint.Thatistosay,sometimesItakeittoworkandsometimesIdon’t,becauseI’malmostwithinwalkingdistanceoftheCollege.[Mhm]Doesthishavesomebearingonthe,onthequestionofwhetherIcangetanoverdraft?B:No,Idon’tthinkso.I,er,itwasjustamatterofinterestthatIaskedyou,really.Youthinkthreehundredandfifty?J:Iwouldsayaboutthreehundredandfiftytofourhundred.Withtheother,withtheother[Yes]hundredpoundsthenitwouldbeabout,er,fivehundredpounds;well,onecangetquiteadecentcarforfivehundredpounds[Quite]—secondhand,ofcourse.27/38B:Quite.Andwhatsortofperiodoftimecouldyourepayus?J:Well,erm,thisratherdependsonyou.Um,Iwouldliketo...I,er,whatisthenormalprocedureforsuchasumofmoney?B:Well,forsuchasumofmoneywecould(would)expectrepaymentwithin24months.J:Twoyears?B:Twoyears.J:Isee.B:Wearelendersintheshortterm,remember,notlongterm.J:Yes.Er,isthere...Doyou,doIpayinterestonthis?B:Youwillpayintereston—well,thetypeofloanIhaveinmindisaPersonalLoan,asIassumeyou’vegotnoformofcollateraltooffer.J:Whatis—whatiscollateral?B:Well,haveyouanysharesinanycompaniesorlifepolicies,deedsofhouses,oranythinglikethat?J:IhavesomeGovernmentSecurities,is...wouldthisbe...sufficient?B:YouhavesomeGovernmentSecurities,andwhatistheirvalue?J:Er,it’sabout...B:Haveyougotthecertificates?J:...eighthundredpoundsorso.B:Abouteighthundredpounds?28/38J:Yes,butIdon’twantto...B:Youdon’twant...J:...cashthem.B:No.No,wellyouwouldn’t...thatwouldn’tinvolveyouincashingthem.IcouldgrantyouanOrdinaryLoanwheretheinteresttoyouwouldbelessthanonaPersonalLoan,ifyouwerewillingtochargethatShareCertificatetous.J:Yes.Isee,um,er,isit,isitpossibletoer...what’s...that,thatwouldbetheonlysecuritywhichyouwouldneed,infact?B:Ishouldn’tneedanyothersecurity,otherthanthat...[Isee]notonaloan,notonaloanofthatsize.OrifyouwouldagreetodoitonaPersonalLoanbasiswhich[cough]Iwouldnotrequireanysecuritywhatever,asonaPersonalLoanwehavedeathcoverandyouareinregularemployment,er,in,er,good-sala-riedemployment,withawithagood,withagoodsalary,thereforeIwouldnotaskyouforerm,anysecurity.[Yes.Yes.]ButtheinterestratewouldbehigherthanonanOrdinaryLoan.[Yes]IshouldchargeyousevenpercentonaPersonalLoanandthat’sontheoriginalamounttaken,whereasonanOrdinaryLoanitwouldbeatoneandahalfpercentoverBankRate,minimumsixpercent,andthatwouldbecalculatedona,onaday-to-daybasis,soitdoesinfactworkoutcheaper.J:Isee.Yes.Audioscript29/38CreditcardsareanimportantpartofAmericanlife.Whetherwehaveapositiveornegativeimageofcreditcards,theyareaninescapablepartofourfinances,eithernoworinthefuture. Withoutacreditcard,it’sjustaboutimpossibletorentacar,makeahotelorairlinereservation,orevengetamembershipatavideostore. Sincecreditcardsaresoimportant,yetsomanypeopleareinfinancialtroublebecauseofthem,wefeeleducationisextremelyimportant.Wewanttoshowourcustomersthatcreditcardsarenottoys;theyareanimportantresponsibility. Acreditcardcanbeusedto“charge”thingslikeclothes,tapesorCDs,dinneratarestaurant,ormaybeahotelroomwhileyou’reonvacation.Whenyouchargesomething,youareagreeingtopayforyourpurchaseatalaterdate.Basically,youarebuyingsomethingnowandpayingforitlater. Creditcardscomewitha“limit”.Let’ssayyourcreditcardhasalimitof$100.00.Thatmeansyoucanchargeupto$100.00worthofitemsonyourcard.Youwillgetastatementinthemaileachmonththatliststhechargesyouhavemade.Youwillalsohavetomakeapaymenteverymonththatyouhaveabalanceowing. Sincewe’reabouteducatingourcustomersontherealitiesofcreditandcreditcards,we’regoingtobeperfectlyhonest.First,usingacreditcardcanbeveryexpensive.Banksdon’toffercreditcardsjustbecausetheylikeyou.Theyofferthembecausetheymakemoneywhencustomersusecreditcards.30/38Howdotheymakemoney?Whenyouchargesomethingonacreditcard,younotonlywillhavetopayforwhatyoubought,butyouwillalsohavetopayinterest,orafinancecharge,ifyoudon’tpayyourbillinfullbytheduedate.Thefinancechargeisyourextracostforhavingsomethingnowandpayingforitlater.Theinterestrateonacreditcardcanbe15%orevenhigher.If,however,youpayyourbillinfulleverymonthbytheduedate,youdonothavetopayinterest.Andofcourse,wehighlyrecommendyoudothat! It’sveryeasytomakelotsofpurchasesonyourcardandthenbesurprisedathowquicklytheyaddupwhenyourbillarrives!Ifyou’renotcarefulwhenyouuseacreditcard,youcouldfindyourselfinalotofdebt.Anditalwaystakesmuchlongertopayitoffthantospendit.Youwillalsowanttobecarefulaboutbuyingthingswithcreditcardyouwouldn’tnormallybeabletoafford.Again,youcangetinoveryourheadandenduppayingatremendousamountofinterest.However,whenusedcorrectly,creditcardscanbeveryhelpful.It’ssometimeshardtodocertainthingswithoutacreditcard.Creditcardsarealsohelpfulforemergenciesandaregoodfortravel.Somecreditcardseveninsureyourpurchase,meaningifsomethingislost,stolen,orbroken,itcanbereplaced.Webelievethebestwaytobecomeresponsiblewithcreditistolearnthroughhands-onexperience.Ifyoubeginatayoungagewithalowlimit,youwon’tbelikelytoblowitandgetinfinancialtroublelateron.Audioscript31/38Narrator:ArrivingatAthens’NewInternationalAirport,thereisnoobvioussignthatGreeceisindirestraits.Italllooksprettynormal,buttenyearsafterjoiningtheEuro,thiscountryiseffectivelybankruptandthegovernmenthasputtheairportupforsale.MichaelPortillo:Ihaven’tbeentoGreecefor20yearssinceIcameasagovernmentminister.AndAthensjusthadanold-fashionedairportinthosedays,hadadifferentlocationfromthisbeautifulnewone.AndGreecehaditsowncurrency,theDrachma.Sincethenthecountryhasbeenthroughaneconomicboom,whenborrowingwascheapandthegovernmentandthepeoplewentonaspendingbinge,nowhavecometheyearsofbust.AndIbelievethatGreece’scrisisisduetohavingjoinedtheEuro.Howdidallthiscomeabout?BBCHost:ThelaunchoftheEuroisthedawnofanewage,accordingtotheEuropeanCentralBank,as12countriestaketheplunge.Narrator:TheEurowasintroducedonNewYear’sDay.JoiningitwassupposedtohelpweakeconomieslikeGreece,catchupwiththeirrichereurozonepartners.MichaelPortillo:I’vecometopaymyrespectsatthisshrinetotheDrachma,Greece’slastnationalcurrency.ItgaveuptherighttoprintitsownmoneyinfavorofjoiningabroaderEuropeandream.Inmyview,aweakeconomylikeGreeceshouldneverhavesharedthesamecurrencywithGermany,theeconomicpowerhouseofEurope.TheweakDrachmamadeiteasytoexportGreektomatoesandolives.ButbeingpartofthestrongerEurohasmadeGreeceuncompetitiveandsuckedinmanufacturedimports.32/38Narrator:AndthisisjustthesortofmanufacturedimportthatGreekswentonabuyingspreeofGermanluxurycars,carslikethePorscheCayenne.MichaelPortillo: ThiscarandtheEurowerelaunchedinthesameyear,andtheirstoriesareintertwined.ProducedbythetechnologicalwizardryofGermany,themiddleclassesofnon-industrialGreeceaspiredtoownit.AndthiscarturnedintothesymbolofGermanmanufacturingmightandtheGreekeconomicbubble.Narrator:TohelpmetounderstandjustwhathappenedinGreeceafteritjoinedtheEuro,Ihavearrangedanappointmentwithaman,whohastakenaspecialinterestintheoriginofGreece’sdebtcrisis.MichaelPortillo: Hi,Jason,howareyou?Jason: Hi,Michael!Howareyou?Narrator:EconomistandhedgefundmanagerJasonManolopoulos.MichaelPortillo:Tellme,alotofpeoplethinkthatthefigurestoenableGreecetojointheEurowererigged.Youknow,thefiguresonthedeficitandsoon.Isthattrue?Werethefiguresrigged?Jason:Commonacknowledgementthattheywererigged.EverybodyintheEuropeanCommissionalsoknewit.ButagainGreecejoiningwasapoliticalprojectbackthenratherthanapurelyeconomicproject.MichaelPortillo:DescribeformethoseboomyearsafterGreece’sjoinedtheEuroaroundthetimesoftheOlympics,whatwasitlike?33/38Jason:Yougetallthesefancyvillasspringingup,youhadhugeamountsofspendinginluxurygoods,peopletakingweekendtripstoParisratherthangoingtotheirlocalvillage.Ahugesense,youknow,justageneralsenseofeuphoria.Everybodywashappygoingout.GreecehadwontheFootballoftheEuro.WiththeOlympics,itwaslikeadreamcomingtrue.Peoplewereallowedtohavealifestylethattheyhadn’tenjoyedpreviously.Atonepointintimein,therewere8billionofcarloansinGreece.MichaelPortillo:8billion?Jason:8billionthatwas3.5%ofGDP,comparedtozeroten,tenyearsago.MichaelPortillo: WouldGreeksbeabletobuyasmanycarslikethisifitwasn’tundertheEuro?Jason:Oh,absolutelynot.Duringthe80s,thecarsonthestreetsherewerepredominantlyFrench,ItalianandJapanese.Andyouknow,theseluxurycarsorGermancars’reputationwasnotworththemoney,uh...tooexpensive.ThestrongexchangeratethatGreekshadbybeingintheEurohelpedthem,butalsomoreimportantly,theavailabilityofcheapcredittofinancethesepurchasesmadealltheseimportcarscometoGreece.Narrator:GreecenowhadaccesstotheEurozone’slowinterestrates.Injust6years,Greece’sdeficitwithGermanywentfromunder3billionEurostoovereightbillion.ThegreatGreekEuroboomendedabruptlyinwhentheglobaleconomycrashed.Sincethen,Greecehasplungedintooneofthemostdrasticrecessionsinrecentinternationalhistory.Audioscript34/38In1938,U.S.PresidentFranklinRooseveltestablishedaspecialmedicalfoundation.Throughresearchofthefoundation,vaccinesweredevelopedwhichhavenearlyeliminatedpolio.PresidentRooseveltwashimselfavictimofthediseaseattheageof39.Hislegswereparalyzedandhewouldneveragainstandwithouttheaidofcrutchesandheavylegbraces.In1926,hedonatedalargepartofhispersonalwealthtoestablishafoundationtocareforpoliovictimsatWarmsprings,Georgia,wherehehadfeltreliefswimminginthemineralwaters.OneofthePresident’sshowbusinessfriends,EddieCantor,decidedtohelpMr.Rooseveltraisemoremoneytofundpolioresearch.Soonhispopularradioshow,Mr.CantoraskedeveryoneinAmericatosendtotheWhiteHouseacoinworthtencents—adime,andhecalledthecampaign“theMarchofDimes”.Sometimesasmanyas150,000letterscontainingdimesarrivedeachdayinWashington.FranklinRooseveltdidnotlivetoseethevictoryoverpolio,woninlargepartthrough“theMarchofDimes”,butafterhisdeathin1945,CongressvotedtohonorhismemorybyputtinghislikenessontheU.S.coin—thedime.Audioscript35/38Sandy: Great.Hi.Goodmorning.Somethingwrongwithpumpfive.It’snottakingmycard.Thanks.Gasstationworker:(SpeakingSpanish...)Youdon’tpayyourbills,man.Igottacutthecard.Sandy: “Cutthecard.”No,no,Iabsolutelypaymybills.Runitonemoretime.Nothingw