listen-this-way-4答案.doc

Unit 1 Shopping and Banking OnlinePart 1 Getting readyB: dropshoppingmousefeetretailingstreetgetdonethird-partyonline30%mailsBritaingift-buying50%netperiodC: Major pointsDetails 1. the site 2. merchant 3.Addresses/phone number/call up 4. Strict safety measuresPart 2 Net shopping under fireA. delivery delivery delivery charges personal information 87% returning goods 47% order 35% dispatch 87% money back twoB Summary: conveniencechoiceobstaclescomplete trustbuild consumers trustmaturepaymentservicePart 3 Banking at homeA: Outline 1. C: limited opening hours2. Online banking services D: getting current information on products F: e-mailing questions to the bank3. A: competing for customers4. A: having no computer at homeB: 1. It is banking through the Internet.2. “Online banking” offers convenience which appeals to the kind of customer banks want to keep.3. Banks most want to keep people who are young, well-educated, and have good incomes.Part 4 More about the topicB: English Good Customer ServiceAmerican Good Customer Service 1. in a pleasant environment1. human side2. second to nonea. family/occasions in life3. different customersb. a partnershipExample:take a look at everythingalternatives3. repeat business salescome to sales assistants4. first contact with the customerPart 5. Do you know ? 1. c2. b3. c4. c5. c6. bUnit 2 Hotel or B&B?Part 1 Getting readyB: This yearAn average year35%60%45%20%60%80%30%15%50%70%30%20%C:hotelspricesOther related information30/single; 60/doubleChildren under 1229/full board28/double+bathexcluded1. hot food: fried egg2. coffee tea jam cooked3. dinner, bed and breakfast4. the room plus all meals5. Value Added Tax Part 2 A touch of homeOutline1. B&BA. bed and breakfastB. 15000C. advantages over big hotels2. A. meeting different people3. Several features of Suit UsA. built in 1883B. famous guests4. A. B&B not suitable for some people Part 3 Renting a carInformation about the customer A family of three + camp equipment Leaving on Fir., July 7th Returning on Mon., July 10th Best choice: a Pinto station wagon Regular rate: $ 79.95 Special weekend rate: $ 59.95 Pick up: after 4 p. m. on Fri. Return: by 10 a. m. on Mon. Mileage rate: first 300 miles free, then 12 cents per mile Other costs: Insurance $ 10 Sales tax 8% Deposit $ 100B: a compact car/ a station wagon/ automatic transmission/ current models/ pick up/ return the car/ special weekend rate/ regular rate/ unlimited mileage/ insurance sales tax/ a full tank of gas/ deposit/ lowest ratesPart 4. More about the topicA: 1. suite: a large room with a partition to separate the bedroom area from the sitting room area 2. twin room: a room with two single beds for two people 3. Penthouse: a well-furnished and luxurious suite at the top of the building 4. Lounge or sitting room: a room not used as bedroom, where guests may read, watch television, etc. 5. single room: a room occupied by one person 6. double room: a room with one large bed for two peopleB. Room typeRack rateSuitable forFeatures 40Staff of all grades55Sales staff150Managerial stallentertaining private guest; the lake220total privacy; ; country side; ; fully fitted kitchenPart 4 Do you know?A: Names of hotelsLocations Ranks in general categoryCernobbio, France Italy2 33 24 8London, UK Paris, France8 4B： 1. F2. T3. F4. F5. TUnit 3 “Planting” MoneyPart 1 Getting readyB: 这部分没有给答案CTone Agree?Sincere Doubtful Sarcastic Skeptical Surprised Emphatic Y N1 2 3 4 5 6 7 8 9 10 Part 2 National teach children to save dayA: Time: Thursday, April 17 Purpose: teaching children how to save money Way of teaching: 2500 bankers making 5000 presentationsB: 1. Making savings visible and real: building up savings in a piggy bank/ opening childrens own bank savings account. 2. Encouraging children to save as much as they can: putting 25 cents away for every dollar the children earn 3. A first step toward learning to budget: giving children an allowance and part of it goinginto their own savings. 4. Making savings and investing fun: giving children play money to “invest” in stocks they can track in local newspapersPart 3 Credit cardsA: Outline1. The importance of credit cards 2. Nature A. “charge” paying at a later date B: “limit” 3. The potential disadvantagesexpensive A. easy to make lots of purchases on card B. likely to pay a tremendous amount of interest4. The benefitsB. helpful for emergenciesC. good for travelPart 4 More about the topicA: Exercise 1Column A Column B1. 3 2 1 3 2 Exercise 2: Answer the following two questions.1. “Spending priorities” refers to the following situation:Americans are spending so much of their income on ever larger houses and cars that they cant afford to spend on social programs or infrastructure repairs.2. By doing so, one would feel happier, would have fewer disputes of work and lower levels of stress hormones in their blood. One gets sick less often and dies at an older age.B: Summary:Mr. Cox, the vice president of the Federal Reserve Bank of Dallas, of Myths of Rich and Poor, sees the positive side to the increased prosperity of Americans are better off than they were 30 years ago. Here :Technological created hundreds of gadgets that both easier and more pleasurable, for example, cellular and cordless phones, computers, answering machines, and microwave ovens;Today about 3/4 have washing machines, half have clothes dryers, 97% have color televisions, 3/4 have VCRs, 2/3 have microwaves and air conditioners, 3/4 own their own automobile, 40% own their own home, half have stereo systems.Part 5 Do you know ?A. Tokyo, Osaka, Oslo, Zurich. Hong Kong, Copenhagen, Geneva, Paris, Reykjavik, LondonB. 1. The euro has appreciated against the US dollar.2. Persistent economic turmoil.3. Tehran.4. The Economist team checks prices of a wide range of itemsfrom bread and milk to cars and utilitiesto compile this report.5. Business clients use it to calculate the amount of allowances granted to overseas executive and their families.Unit 4 Loans for the DreamPart 1 Getting readyB: Dialogue One.Items Items Eating out Hobbies Antiques Food and groceries Dialogue Two:Items Same Up down figuresEntertainment 2566Depreciation Secretarial expenses Motor expenses 2612Audit & accountancy costs Telephone & postage Part 2 Raising money for buying a carA: SummaryMr. Jackson in the college As worth repairing, he . Since about a hundred pounds for , , three hundred fifty to four hundred.The bank different interest rates and conditions: a Personal Loan and an Ordinary Loan. Mr. Jackson is expected to repay the money with 24 months.B.Security charge Interest rate charged Interest rate Personal Loan 7% Ordinary Loan 7.5%(1.5%+6%) A day-to-day basis1. 透支额（贷款）overdraft2. 偿还 repay3. 短期贷款（业务）lenders in the short term4. 付利息 pay interest on5. 担保物 collateral6. 寿险 life policy7. 房屋的房契 deeds of the houses8. 政府证券 Government Securities9. 凭证 certificate10. 按日计算 on a day-to-day basisPart 3 Housing in the U. S. A.A. Outline 1. A. cost of housing 1. 1/4-1/3 of a familys income 2. depending on size and location B. way to buy a housemortgage 2. B. easy to get things repaired 3. Buying 1. mortgage: 2. condominium: B. 1. Home buyer borrows money from Bank sells mortgages to Fannie Mae sells shares and mortgage-based securities to Investors 2. They control about half the home loans in America. 3. Hiding changes in its value, poor supervision and not carefully reporting its finances. 4. The stock price of Fannie Mae has dropped.Part 4 More about the topicA: 1. a. merchantable quality b. fitting for particular purpose/ seller c. as described 2. no / retailers responsibility/ take to shop 3. item/ too large/ fragile 4. evidence of purchase/ date of purchase 5. go to court / sue the sellerB. 1. F 2. T 3. F 4. FPart 5 Do you know ?B: Chart 1 Development of the idea of national taxes Time/ Number EventsApril 15th the last day to pay federal taxes1791 tax on whiskey and other alcoholic drink, farmers refused1794 George Washington, 13000 troops, defeated the Whiskey RebellionThe late 1800s peoples pay taxed by Congress, but rejected by the Supreme Court1913 The 16th Amendment passed, legal for Congress to tax incomeMore than $312000 taxed at 35%, highest rateLess than $7000 no income tax Chart 2 Composition of federal money in 20027% income tax on businesses Over 40 personal income tax Below 18% other taxes, including customs 35% taxes for retirement programs and other servicesUnit 5 Briefing on Taxation and Insurance PoliciesPart 1 Getting readyB. Sentences Key words Answersa 8000/half 4000b 2000/twice 4000c 2000/double 4000d 8000/a quarter 2000e 4000/similar 4000C. Dialogue one 1. 30 000 24% 2. overdraft 3. sailing Dialogue two1. A brand new video was stolen.2. Yes. The speaker paid the premium last week.Dialogue threeSimilarities Differences Man A Man Ba. b. A mortgage to payc. Same incomea. b. Never saving moneyc. Spending more on entertaining a. Investing far more in pension schemes.b. Spending more on insurancePart 2 Briefing on personal taxationA. Outline1. Structure of personal taxationA. rates1. lower rate: up to 23 700: 25%2. higher rate: above 23 700: 40%B. allowances1. single person: 32952. married person: 50153. pension: maximum 17.5% to 40%4. mortgage interest relief: 7%2. Collection of personal tax A. income tax PAYE B. National Insurance 1. employees contribution: 9% 2. employers contribution: 5% to 10%B. 1. According both simple and relatively low.2. The new opt for separate taxation.3. The tax pension is 40%4. PAYE stands for Pay As You Earn. The scheme from the employer before bank transfer to the employee.5. Taxable income deduction and the allowance have been excluded.Part 3. Should I buy an insurance policy?(1)A. insurance policy save money buying a houseB. 1. A. a fixed objective in mind/ how much to pay each month B. a fixed objective each month in mind/ how much to produce over some years2. No/ regular & systematic/ short-term/ bank/ Building SocietyPart 4 More about the topicA. unmarried dependents no needAnswer the question with key wordsA. accumulate capital/ expand business/ end of termB. saving to produce a pensionPart 5 Do you know ?1. T 2. F 3. F 4. T 5. TUnit 6 Visions of BusinessPart 1 Getting readyB.Individual proprietorship Partnership Corporation Scale Small Small Big Ownership The proprietor owns all the property of the businessTwo or more people go into business together Investors own stocka share of the ownershipResponsibility The proprietor isresponsible for thebusiness Limited partners have limited responsibilities;Full partners have full responsibilities. A board of directors controls the corporate policies and appoints top officers.Lifetime Limited Limited UnlimitedPart 2 Michael Dell vs. Frederick Smith (1)A. Michael Dell:Michael Dell serves as Chairman and CEO of Dell Computer Corporation. He is the longest tenured CEO in the whole computer industry. By using his innovative direct-to-consumer marketing approach and by pioneering the industrys first service and support programsthe build-to-order revolution, Dell Computer Corporation has successfully eliminated the middle-man and established itself as one of the top vendors of personal computers worldwide.Frederick SmithFrederick Smith is Chairman, President and CEO of Federal Express Corporation, or FedEx, a global provider of transportation, e-commerce and supply chain management services. But when he first came up with the idea of overnight delivery service, nobody seemed to be interested in it. And now with its just-in-time delivery system, Smith has made FedEx a multi-billion dollar industry. FedEx used to provide mainly water and air delivery, but now its making a big push into the ground delivery business.B. Fred must stay competitive in the following aspects:1) the quality of service2) the breadth of the network3) the unique services needed4) the costPart 3 Michael Dell vs. Frederick Smith (2)A. Efficient information system can A great part of the economy will work on “supply chain” because 1) take out all the unnecessary costs of transaction and processing and help find more applicable products or services;2) shrink the distance between the source of demand and the source of supply. 1) About 40% of businesses today are operated on a fast cycle basis, so youll have a world of choice;2) Almost everything can be presented to you on a computer and you can customize almost anything;3) You can have it delivered very rapidly.B. Question: What keeps you going and what have you left to accomplish?Michael:Motivation: The opportunity in the industry, in the businessAmbitions 1. To be a leader not only in client computing, but also in the enterprise and servers and storage. 2. To do business not just in the United States but all over the world 3. To add a lot of services that go along with the productsFrederick Positive attitude towards future: Being truly excited about the companys futurePositive attitude towards work: Enjoy going to work every day Love to compete Love to innovate Love to work with a lot of wonderful people and sit right in the mi