LTW1 Unit7ppt课件

.,ListenThisWayBook1Unit7CashorCheque?PartIGettingreadyPartIIUsingabankaccountPartIIIMakingphonecallstochaselatepaymentsPartIVMoreaboutthetopic:BankingatHomePartVMemorytest:SettingUpYourOwnBusinessPartVIIWatchandenjoy,.,PartIGettingreadyThefunctionsofmoneyasamediumofexchangeandameasureofvaluegreatlyfacilitatetheexchangeofgoodsandservicesandthespecialisationofproduction.Withouttheuseofmoney,tradewouldbereducedtobarter,thedirectexchangeofonecommodityforanother.Inamoneyeconomy,theownerofacommoditymaysellitformoney,thusavoidingthetimeandeffortthatwouldberequiredinabartereconomy.Moneymaythusberegardedasakeystoneofmoderneconomiclife.*mediumofexchange交易媒介*measureofvalue衡量价值的尺度*facilitate促进*barter物物交换实物交易*keystone奠基石，主旨,.,A.Thefollowingwordsandphraseswillappearinthisunit.Allofthemarerelatedtomoney.Listencarefullyandstudythedefinitions.,1.savingsaccount:储蓄账户2.checkingaccount:支票账户，活期存款账户3.cheque/check:支票4.bankbook:银行存折5.travelerscheque:旅行支票6.currency:货币7.invoice:发票8.transfer:转账9.credit:（给账户）存钱，把.记入贷方10.convert:兑换（货币）,.,B.Herearesomeshortconversationswhichtakeplaceatbanks.Pleaselistenandthensupplythemissingwords.,.,1.Man:Idliketoopena_anda_account.Woman:Ourminimumdepositforasavingsaccountis_.Man:Whatisthe_rate?Woman:Its_.Man:Doyou_forcheques?Woman:Eachchequethatyouwritewillcost_.2.Woman:Idliketo_somemoneyfrommysavingsaccount.Teller:Firstyoullhaveto_outoneofthesewithdrawal_.Woman:Oh,no.Itasksformy_number.Iforgotmy_book.Teller:Im_youllneedthatfirst.,*asavingsandacheckingaccount储蓄及支票账户*minimumdeposit最低存款额*interestrate（银行）利率*charge收费*withdraw取（钱）*teller（银行）出纳员*withdrawalforms取款单*accountnumber账号*bankbook银行存折,afraid,bank,account,forms,fill,withdraw,20cents,charge,4.5%,interest,$25,checking,savings,.,3.Man:CanI_achequehere?Teller:Doyouhaveanaccountwithus?Man:Yes,Ihavea_accounthere.Teller:Pleasewriteyouraccount_onthebackofthe_.Man:Isthatallyou_?Teller:CouldIseeonemorepieceof_?Man:Willadrivers_do?Teller:Yes.Thatdbe_.4.Man:Iwouldliketoaskabouttakinga_.LoanOfficer:Doyouhavean_here?Man:Yes,Ivebeena_hereforseveral_.LoanOfficer:Howmuchdoyouwantto_?Man:_dollars.,*cashacheque兑现支票*checkingaccount支票账户，活期存款账号*identification身份证明*driverslicense驾驶执照*takingaloan办理贷款,Threethousand,borrow,loan,fine,license,identification,need,cheque,number,checking,cash,months,customer,account,.,5.Clerk:Yes?Man:Iwanttocashthis_cheque.Clerk:Doyouhaveyour_?Man:Yes.Clerk:Thankyou._here,please.Hereyouare.Man:Thankyou.,Sign,passport,travelers,旅行支票,.,Intodayscredit-basedsociety,itisnotuncommonforastudenttohaveastudentcreditcardincollege.However,justbecauseyouhaveacreditcard,itdoesnotmeanyoucanspendasyouwish.Thereisalimitonhowmuchyoushouldspend.,*credit-basedsociety诚信社会，建立在诚信基础上的社会,.,C.Listentoaconversationbetweenasisterandherbrother.Writedowntheitemsthewomanboughtwithherstudentcreditcard.Thencompletethestatements.,*Sis姐姐，妹妹*dough钱*schoolbreak学校假期*creditlimit信用额度*digitalcable数字有线电视*intheworld到底，究竟*budget预算,.,Itemsboughtbythewomanwithherstudentcreditcardare_.a._b._c.stereod._e._Statements:1.Accordingtothewoman,havingastudentcreditcardisagoodideabecauseithelpsyou_.a._b._c._,buythingsyoucantpaywithcash,controlspending,buildyourcreditrating,MP3player,planeticket,DVDplayer,widescreenTV,*建立你的信用等级,*立体声，立体声系统,*宽屏电视,.,2.Accordingtotheman,havingastudentcreditcardis_.Butinhissisterscase,thestudentcreditcardjustleadsto_ashissisterhasspentherselfinahole.Hefeelsconcernedat_.Theinterestratesofthestudentcreditcardare_.Ifyoumissapayment,therates_.,justjump,sky-high,canpayoffthecreditcardbill,howhissister,impulsespending,notabadidea,*impulsespending冲动消费*spentherselfinahole冲动消费*payoffthecreditcardbill还清信用卡账单*sky-high极高的,Audioscript,Homepage,.,PartIIUsingabankaccountYoumaygetacheckforyourbirthdayoritsyourfirstpaycheckatanewjob.Anyway,whatyouneedtodoistocashyourcheck.Maybeitsnothard.Butyoustillneedtoknowhowtodoit.*paycheck薪水，付薪水的支票*cashyourcheck兑现支票,.,A.Alexisauniversityfreshman.Itsthefirsttimeforhimtogotothebanktodrawsomemoneyonhisown.Inthissection,youaregoingtolistentoaconversationbetweenAlexandthecashier.Whileyoulisten,supposeyouareAlex,andfillintheblankchequeaccordingtotheinstructionsgivenbythebankcashier.,cash,Twentypoundsonly,13,1May,2000,.,B.Nowtrythis:listentoamoreauthenticversionoftheconversation.,*makeoutthischeque兑现支票*thetopright-handcorner右上角*theleft-handside左边*underneath在.的下面*thebottomright-handcorner右下角*signature签名,Audioscript,Homepage,.,PartIIIMakingphonecallstochaselatepaymentsCashpaymentisnotpopularinmodernsociety.Banksareplayinganimportantroleintodayseconomy.Abillofexchangeispreferredbymoreandmorepeople.Themostcommonbillofexchangeisthecheque.Buteverycoinhastwosides,andbanksarenoexception.Sometimessomethingunexpectedwillhappen.*chaselatepayments催缴逾期付款*billofexchange汇票,.,A.Youaregoingtohearseveralphonecallsaboutchasinglatepaymentofinvoices.Whilelisteningforthefirsttime,focusonthekeywordsandaddmorekeywordsifyoucanintheleft-handcolumn.Afterthesecondlistening,completethesummariesofthephonecallsintheright-handcolumnwiththehelpofthenotes.,*invoices发票,.,Call1,afternoon,three,received,payment,13thJuly,lastinvoice,morning,Birmingham,contact,check,.,Call2,Scotland,RoyalBankof,transfer,BankofScotland,RoyalBankofScotland,Mr.Martinez,wrong,bankdetails,transferred,money,Mr.Smythe,Mr.Martinez,assoonas,*无法转账,*银行信息,*尽快,*明天,.,Call3,*账户查询处,*地产，住宅区,*整数,*(个人银行存款)账面余额，贷方余额,*西班牙比塞塔(原西班牙货币单位),*兑换货币,pounds,credit,PaulSmytheandPartners,Unit7,ParkdownTradingEstate,40211686,Spain,received,transfer,check,RoyalBankofScotland,accountenquiries,converted,Spanishpesetas,3,500,round,3,476.28,Wednesday,23.72,.,B.Nowtrythis:listentoamoreauthenticversionofthephonecalls.,*sorteditout把问题解决掉，把问题搞清楚*moneytobecredited将要存入账户的钱*acreditof一笔.金额的存款,Audioscript,Homepage,.,PartIVMoreaboutthetopic:BankingatHomeToday,banksandfinancialservicescompaniesstandontheedgeofarevolutionaryera.ThedramaticdevelopmentofPCtechnology,togetherwiththeemergenceofalow-cost,worldwide,communicationsnetworkisreshapingthewaythatpeopletransmitmoneyandinformation.Bankingathomeisnolongeradream.*ontheedgeofarevolutionaryera处于变革时代的边缘*reshapingtheway改变方式,.,Listentoadescriptionoftodaysbankingservices.Completetheoutline.,*interactivebanking互动银行，交互式银行业务,.,BankingServicesI.Someproblemsofthewalk-inbankA.StandinginlonglinesB.RunningoutofchecksC._II._A.ViewingaccountsB.MovingmoneybetweenaccountsC.ApplyingforaloanD._E.PayingbillselectronicallyF._III.ReasonsforcreatingonlineservicesA._B.TakingadvantageofmoderntechnologyIV.InappropriatenessofonlinebankingforsomepeopleA._B.Preferringtohandleaccountsthetraditionalway,Limitedopeninghours,Onlinebankingservices,Gettingcurrentinformationonproducts,E-mailingquestionstothebank,Competingforcustomers,Havingnocomputersathome,*申请贷款,Audioscript,Homepage,.,PartVMemorytest:SettingUpYourOwnBusinessBorrowingmoneyfromabanktostartyourownbusinessisalotharderthangettingaloantobuyanewcarortoimproveyourhome.Theprocessofgettingabankloancantakealotoftime,anditcanbeveryfrustrating.Therefore,inordertosecureasuccessfulbusinessbankloan,businessownersshouldpreparealotofthingssuchasatidyandconcisebusinessplan.,.,A.Mr.andMrs.Longarriveforanappointmentwiththebankmanager,Mr.Cutler.Listentotheconversation.Tickthecorrectansweraccordingtowhatyouhear.,*cottageindustry家庭手工业*treadingoneachotherstoes互相干涉，互相打扰*chap家伙*theprocessedstaff加工过的东西，加工食品*speciality特长*saddle-making制作马鞍*aworthwhileventure值得冒一定的风险去从事的事业*mature到期,.,1.WhyhaveMr.andMrs.LongcometoseeMr.Cutler?a.TobuyequipmentfortheirWorkCo-operative.b.TodoupFallowfieldMill.c.Togetaloan.d.TorentFallowfieldMill.2.WhatisMr.Longsspecialty?a.Producingstone-groundflour.b.Makinghand-sewndollsandeducationaltoys.c.Cookingnaturalfood.d.Producinghand-madeleathergoods.,*合作社,*磨坊,*修缮,*石磨面粉,*手工缝制的洋娃娃,*手工制作的皮革用品,.,3.WhydidMr.Longgiveuphispreviousjob?a.Heprefersworkingwithhishands.b.Hewantstobehisownboss.c.Hehasnojobsatisfactioninthepreviousjob.d.Alloftheabove.4.WhyhaveMr.andMrs.LongbroughttheirinsurancecertificatestoshowMrCutler?a.ToprovidetheevidencethatMr.LongonceworkedforanInsuranceCompany.b.Tousethemassecurityfortheloan.c.Toshowthatthecertificatesareworthmorethan5,000pounds.d.Toindicatethattheyhaveagoodheadforfigures.,*保险凭证,*贷款抵押,*很有数字头脑,.,1.你想借（要）多少钱？_2.那里的空间很大，我们和同事们能各干各的事，互不影响/干扰。_3.这两张保单再过几年就到期了。_,Whatfiguredidyouhaveinyourmind?,Therestonsofroomthere;weandourcolleaguescanalldoourownthingwithouttreadingoneachotherstoes.,Thetwoinsurancepoliciesmatureinafewyearstime.,Audioscript,Homepage,B.Listenagain.TrytofindtheEnglishequivalentsintheconversationforthefollowingChinese.,.,PartVIIWatchandenjoy,*biographicalcrimefilm传记犯罪片*performedcons行骗*checkfraud支票诈骗*checkforgers伪造支票的人,.,A.CliponeisaconversationbetweenMr.AbagnaleandhissonFrank.Whileyouwatchit,trytofindtheanswerstothefollowingtwoquestions:,*acentipedefarm蜈蚣农场*pancakes薄烤饼，烙饼*Comeon得了*turnyoudownforaloan拒绝你的贷款申请*Tothemoon一步登天,1.WhatwasthegiftgiventoFrankonhisbirthdaybyhisfather?_2.HowmuchmoneywasthereinFranksaccount?$25._,AcheckingaccountinFranksname.,$25.,Videoscript,.,B.CliptwoisaconversationbetweenMr.Abagnaleandthebankmanager.Whileyouwatchit,trytofindtheanswertothefollowingquestion:,*unresolvedbusiness未解决的事情，未竟事宜*domybooks帮我记账*weatherthestorm度过困难时期，渡过难关*taxfraud税务诈骗，骗税*stammers结结巴巴，口吃*aMedalofHonorwinner荣誉勋章获得者（美国政府授予美国甲士的无上军事荣誉，颁授范围面向美国武装军队所有分支的成员，包括陆军、水师、空军、水师陆战队和海岸保镖）,WhatdidMr.Abagnalewantthebankmanagertodo?_,Mr.Abagnalewantedthebankmanagertoloanhimmoney.,Videoscript,Homepage,.,Man:Hi,Sis.IjustcameovertodropofftheDVDsyouwanted,and.Hey,wow!?Wheredidyougetallofthisstuff?Woman:Iboughtit.So,whatdoyouthinkofmynewentertainmentcenter?AndthewidescreenTV.Man:Boughtit?Woman:.andmynewDVDplayer.Here,letmeshowyoumystereo.Youcanreallyrockthehousewiththisone.Man:Butwheredidyougetthedoughtobuyallthis?Youdidntborrowmoneyfrommomanddadagain,didyou?Woman:Ofcoursenot.Igotitwiththis!Man:This?Letmeseethat.HaveyoubeenusingDadscreditcardagain?Woman:No,silly.Itsmine.Itsastudentcreditcard.Man:Astudentcreditcard?Howintheworlddidyougetoneofthese?Woman:Igotanapplicationinthemail.Man:Well,whydidyougetoneinthefirstplace?Woman:Listen.Timesarechanging,andhavingacreditcardhelpsyoubuildacreditrating,controlspending,andevenbuythingsthatyoucantpaywithcash.liketheplaneticketIgotrecently.Man:Whatplaneticket?Woman:Ohyeah,myroommateandIaregoingtoHawaiiovertheschoolbreak,andcourse,Ineededsomenewclothesforthatso.,.,Man:Idontwanttohearit.Howdoeshavingastudentcreditcardcontrolspending?Itsoundsyouvespentyourselfinahole.Anyway,studentcreditcardsjustleadtoimpulsespending.asIcanseehere.Andtheinterestratesofstudentcreditcardsareusuallysky-high,andifyoumissapayment,therates,well,justjump!Woman:Ah.Thecreditcardhasacreditlimit.Man:.of$20,000?Woman:No,notquitethathigh.Anyway,.Man:Iveheardenough.Woman:DidItellyouwenowgetdigitalcablewithover100channels?Oh,andheresyourbirthdaypresent.AnewMP3player.Man:Yeah.Oh,donttellme.Chargedonthecreditcard.Listen.Hey,Idontthinkhavingastudentcreditcardisabadidea,butthisisridiculous.Andhowintheworldareyougoingtopayoffyourcreditcardbill?Woman:Um,withmybirthdaymoney?Itscomingupinaweek.Man:Hey,letssitdownandtalkabouthowyouregoingtopaythingsback,andmaybewecancomeupwithabudgetthatwillhelpyougetoutofthismess.ThatstheleastIcando.,Audioscript,.,Alex:Goodmorning.Cashier:Goodmorning.Alex:Iwould.Iwouldwanttoknowhowtomakeoutthischeque.Cashier:Right.Em.doyouwanttodrawoutsomemoney?Alex:Yes,20.Cashier:20OK.(yes)Well,thefirstthingyouneedtodo,istowritetodaysdateinthetopright-handcornerwhereyouseetheline(yes)atthetopyouwritejusttodaysdate(yes)andtheyear.Youmustputtheyearin.Andifyouwanttodrawoutmoney,afteritsayspay.canyouseeoverontheleft-handside?Alex:Thefirst.er.line?Cashier:Thatsit.OnthefirstlineitsaysPAYandyouwrite“Cash”afterwards.Alex:Inletters.Cashier:Yes.C-A-S-H(yes)youwritecash.OK.Thenunderneaththat,rightunderneath,youhavetowritetheamountofmoneyyouwant.SojusttwentypoundsandthenyouwriteONLYattheendinwords.Thenattheendofthatlinewhereyoucanseethebox,seeoverontheright-handside,youhavetowritetheamountyouwantinnumbers.Alex:Innumbers?Cashier:Mm-mm.Alex:Yes.,.,Cashier:Andthenunderneaththatbox;thelastthingyouhavetodointhebottomright-handcornerisjustwriteyoursignature.Alex:Thankyouverymuch.Cashier:OK.Bye-byethen.Alex:Bye.,Audioscript,.,(Call1)Smythe:ThisisPaulSmythecallingfromBirmingham.Martinez:Goodmorning,Mr.Smythe.Howareyou?Smythe:Fine,thanks.Andyou?Martinez:Yes,Imfine,too.Smythe:Mr.Martinez,Imringingaboutourlastinvoice.Martinez:Yes,Irememberwegotitbeforethesummer.Smythe:Exactly,Mr.Martinez.Theinvoicewasraisedmorethanthreemonthsago.Martinez:Imsorry,Idontquitefollowyou.Smythe:Wesentyoutheinvoiceonthe13thofJuly.Martinez:Onthe30thofJuly.Smythe:Notthe30th.The13th.Andwestillhaventreceivedpayment.Martinez:OK,Mr.Smythe.Illcheckandgetbacktoyou.Smythe:Whencanyoucontactme?Martinez:Thisafternoon.Smythe:Thatsfine.Ilookforwardtohearingfromyou.Martinez:Bye.Smythe:Bye.,.,(Call2)Martinez:Well,Mr.Smythe,Ivelookedintoyourinvoiceandfoundoutwhyithasntbeenpaid.Smythe:Andwhyisthat?Martinez:Weaskedourbanktotransferthemoneybuttheycouldnt.Theysaidthatyourbankdetailsarewrong.Smythe:Whatdoyoumean,ourbankdetailsarewrong?Theyareprintedonourinvoice.Andyoureceivedthesameinvoiceasallourothercustomers.Martinez:Imsorry,whatdidyousay?Smythe:Isaidourbankdetailsareprintedontheinvoice.Martinez:Well,Ihavetheinvoicehere.Canwejustcheck?Theaccountnumberis40211686.Isthatright?Smythe:Yes,thatsright.Martinez:AttheBankofScotlandat46PortlandStreetin.Smythe:Hangonaminute,didyousay“BankofScotland”?Martinez:Yes.Smythe:ItstheRoyalBankofScotlandnottheBankofScotlandMartinez:Youmeantherearetwo?Smythe:Exactly.Martinez:OK.Mr.Smythe.IllaskourbanktotransfertheamounttotheRoyalBankofScotland.Smythe:Assoonaspossible,Mr.Martinez.,.,Martinez:Maana,Mr.Smythe,assoonasthebankopens.And,Mr.Smythe,Imsorryaboutthemistake.Smythe:Well,Imgladwesorteditout.Martinez:Yes!Bye.Smythe:Bye.(Call3)Clerk:Accountenquiries.Smythe:Goodafternoon.IdliketocheckifatransferhasbeenreceivedfromSpain.Clerk:Couldyougivemeyouraccountnumberandtheaccountnameplease?Smythe:Yes,thenumberis40211686andthecompanynameisPaulSmytheandPartners.Clerk:CouldyouspellSmythe,please?Smythe:Yes,itsS-M-Y-T-H-E.Clerk:Andyouraddress,please?Smythe:Unit7,ParkdownTradingEstate.Clerk:Andwhendidyouexpectthemoneytobecredited?Smythe:Thisweek.Clerk:Onemoment,please.Yes,wereceivedacreditof3,476.28onWednesdaySmythe:Sorry,couldyourepeattheamount?Clerk:Yes,3,476.28.,.,Smythe:Iwasexpectingaroundfigureof3,500.Didthebankmakeacharge?Clerk:ImafraidIcantseethatfrommyscreen.Iveonlygotthefinalfigurewhichwascreditedtoyouraccount.Smythe:Butwegetlotsofpaymentsfromabroadandweneverhavetopaycharges.Clerk:Letmecheck,sir.Yes,theamountwastransferredinSpanishpesetas.Wehadtoconvertitintopounds.So,afterbankcharges,youraccountwascreditedwith3,476.28.Smythe:Isee.OK,thankyou.Clerk:Yourewelcome.Smythe:Bye.Clerk:Bye.,Audioscript,.,Manypeopledislikewalkingtothebank,standinginlonglines,andrunningoutofchecks.Theyaredissatisfiedwiththeirbankslimitedhours,too.Theywanttodosomebankingatnight,andonweekends.Forsuchpeople,theirproblemsmaysoonbeover.Beforelong,theymaybeabletodotheirbankingfromthecomfortoftheirownhome,anyhouroftheday,anydayoftheweek.Manybanksarepreparing“onlinebranches,”orInternetoffices,whichmeansthatpeoplewillbeabletotakecareofmuchoftheirbankingbusinessthroughtheirhomecomputers.Thisprocessiscalledinteractivebanking.Attheseonlinebranches,customerswillbeabletoviewalltheiraccounts,movemoneybetweentheiraccounts,applyforaloan,andgetcurrentinformationonproductssuchascreditcards.Customerswillalsobeabletopaytheirbillselectronically,andevene-mailquestionstothebank.Banksarecreatingonlineservicesforseveralreasons.Onereasonisthatbanksmustcompeteforcustomers,whowillswitchtoanotherbankiftheyaredissatisfiedwiththeservicetheyreceive.Theconvenienceofonlinebankingappealstothekindofcustomerbanksmostwanttokeeppeoplewhoareyoung,well-educated,andhavegoodincomes.Banksalsowanttotakeadvantageofmoderntechnologyastheymoveintothetwenty-firstcentury.Onlinebankingmaynotbeappropriateforeveryone.Forinstance,manypeopledonothavecomputersathome.Otherpeopleprefertogotothebankandhandletheiraccountsthetraditionalway.Eventhoughonlinebankingmaynevercompletelyreplaceawalk-inbank,itisaservicethatmanycustomersaregoingtowanttouse.,Audioscript,.,Mr.Long:Morning.Mr.andMrs.Long.Wephonedearlieraboutthepossibilityofgettingaloantostartourownbusiness.Mr.Cutler:Ah,yes.YoumentionedyouwereinterestedinaschemeforsettingupyourownWorkCo-operative.Pleasesitdown.Mrs.Long:Thatsright.WewerethinkingofstartingalocalCottageIndustrygroup.Mr.Cutler:Whatfiguredidyouhaveinmind?Mr.Long:Well,wethoughtwedneedsomethingintheregionof5,000poundstobuyequipmentanddoupFallowfieldMill.Mr.Culter:ThatoldplaceatthebottomofBeaconHill,justbeforeyougettothebridge?Soyourethepeoplewhoareinterestedinrentingit?Mrs.Long:Yes.Itsbeendisusedforyears.Itstheidealplacereally.Therestonsofroomthere;weandourcolleaguescanalldoourownthingwithouttreadingoneachotherstoes.Onechapseventhinkingofgettingtheoldmillmachinerybackintoworkingorderagain.Mr.Cutler:Whatwouldbethepurposeofthat?Mrs.Long:Hedbeproducingstone-groundflourtoselltotheHealthFoodshops.Peopleprefernaturalfoodtotheprocessedstuff;allthegoodnessisntlostthroughprocessing.Itsanexpandingmarket,apparently.Mr.Cutler:Wh