新标准大学英语四4 Unite4 AR1外研社

1、Active reading 1Resources Getting tips on how to avoid credit card trap Comprehending serious messages given through an informal chatty style of writingBank credit ratingIntroduction of credit cardsViews on credit cardsMoney quotesSecret history of credit cardsMoney quotesShare your favorite money q

2、uotes and use examples or personal experience to support your choice. Example1. Money is the root of all evil.2. Look after the pennies and the pounds will look after themselves.3. Whoever said money cant buy happiness didnt know where to go shopping.clickclickclick1. Money is the root of all evil.M

3、oney is behind the crimes & wrong-doings in the world. bank robberiesmurders with a financial motiveBackBackMoney quotes2. Look after the pennies and the pounds will look after themselves.taking care of your spending & saving moneyIf you are careful aboutthe larger amounts of money will not

4、need much attention (they will look after themselves)small detailssmall amounts of moneyBackBackMoney quotes3. Whoever said money cant buy happiness didnt know where to go shopping.If you know where to go shopping, you can, in fact, buy happiness. You have to search for the right place.many people d

5、o not know where this is.implicationBackBackMoney quotesBank credit rating Do the quiz on P50 to find whether you are a good customer to banks. MoreBank credit rating Youve probably never been inside a bank in your life, but sooner or later youll have to and theyll be looking to try and make you cha

6、nge your lifestyle. A word of advice, though, dont believe everything they tell you!Youre a cautious customer, but youre a practical person too. The banks wont make a lot of money out of you!Youre just the sort of customer the banks are looking for. They like people who spend money without thinking

7、about the consequences! You are welcomed to use their credit card.Introduction of credit cardsListen to a recording & complete the summary. A credit card allows you to 1) _ something immediately and then pay for the bill for at a 2) _ date. Once a credit card has been issued, you can make purcha

8、ses within the prescribed credit 3) _. A credit card with a limit of $100.00 enables you to pay for up to 4) _ worth of items. Every month, you will receive credit card 5) _ that lists the charges you have made. You have to pay your bill in full by the 6) _ date. Otherwise, you have to pay 7) _ or a

9、 8) _ _, which can be fairly high. laterlimitchargestatements$100.00dueinterestfinance chargeS ScriptcriptScript Credit cards are an important part of American life. Whether we have a positive or negative image of credit cards, they are an inescapable part of our finances, either now or in the futur

10、e. A credit card can be used to charge things like clothes, tapes or CDs, dinner at a restaurant, or maybe a hotel room while youre on vacation. When you charge something, you are agreeing now and paying for it later.Credit cards come with a limit. Lets say your credit card has a limit of $100.00. T

11、hat means you charge up to $100.00 worth of items on your card. You will get a statement in the mail each month that lists the charges you have made. You will also have to make a payment that you have a balance owing. When you charge something on a credit card, you not only Views on credit cards Wat

12、ch a video clip and discuss the questions in groups. What are the advantages of having a credit card?2. What sort of customers do the credit card companies hate? 3. What are good customers for credit card companies? 4. How do credit card companies make profits?5. What are the dangers of having a cre

13、dit card?clickViews on credit cardsMore What are the advantages of having a credit card?l You can pay for goods and services without using cash or a cheque which means that you only need to carry one card around with you.l You can spend more than you have.2. Which sort of customers do the credit car

14、d companies hate? people who pay off their bills on time3. What are good customers for credit card companies? people who dont pay off their credit card debts4. How do credit card companies make profits?charging interest rates Views on credit cards5. What are the dangers of having a credit card?l Imp

15、roper use can damage credit ratingl Higher risk for impulsive buying and overspendingl Debt trap when used unwiselyl Expensive way to borrow due to high interest ratesl Less to spend in the future due to paying off purchases from pastl Possible hidden fees & surchargesl Privacy is an increasing

16、concernl Identity theft easierBackBackSecret history of credit cards Listen to a recording to know more about secret history of credit cards.S ScriptcriptScriptBackBack Today, nearly 144 million Americans have credit cards and they are using their cards like never before, charging 1.5 trillion dolla

17、rs last year alone. Credit cards have become a central part of the American Economy. I really cant say that I love my credit card, but I would hate the live without it.” “I use it a lot for work. Its easy. Its easy access. I can take clients out for dinner.” “I take advantage of the miles. We fly fi

18、rst class on vocations.” “Its a nice will to spend what you dont have.” “Can you imagine living without credit card in the society?” “Its hard to imagine.” “No.” We shut down with the group of credit card customers to talk about how they use their cards.Text explorationText evaluation Comprehending

19、the text Understanding writers attitudeText organisation Blank fillingText organisationIdentify the textual pattern. MoreText organisationStory 2Story 3Main idea: Story 1Solution: cutting ourselves off from the bankBanks set traps which appeal to our vanity and greed and sometimes to our basic need

20、for survival. Comprehending the textWhy did the author desire to apply for a gold card?Which sort of customers do credit card companies want?How do credit card companies lure poor students into applying for a credit card? What did Kelly have to pay when she went over the limit on her overdraft?Why w

21、as Kelly recorded as a bad credit risk? How did it affect her life? Answer the questions.clickComprehending the textWhy did the author desire to apply for a gold card?It was a status symbol, which made her feel good with herself and desirable to others.2. Which sort of customers do credit card compa

22、nies want?People who are likely to spend more money than they have.3. How do credit card companies lure poor students into applying for a credit card? unrealistic interest rates/low interests. MoreAnswer the questions.Comprehending the text4. What did Kelly have to pay when she went over the limit o

23、n her overdraft?She had to pay for the overdraft and high monthly interest on the overspend of the overdraft.5. Why was Kelly recorded as a bad credit risk? How did it affect her life?She was unable to pay bank charges, credit card debts and interest, so she was recorded as a bad credit risk. It pre

24、vented her from getting a student loan, therefore, she had to drop out of the university. BackBackBlank fillingComplete the paragraph with the correct form of the words in the column.We need to choose a We need to choose a good bank since we good bank since we can not live without it.can not live wi

25、thout it.MoreBlank fillingcomplaintcontenteddeceiveexclusivefairlyindispensablenotifyomitpublicitytransactionindispensible fairly complaints publicity transactions MoreIf youre going to study in the UK, a bank account is (1) _. Thats because for (2) _ involving large sums of money you need to pay by

26、 bank transfer, or by cheque. Its (3) _ obvious you cant carry large amounts of cash around with you all the time. So you need to choose a bank. And thats not easy, because these days you hear more (4) _ than appreciation of the services they provide. They all spend a lot of money on (5) _ trying to

27、 attract students, whom they see as an investment for their own future. Blank fillingSome of them offer (6) _ free gifts like designer T-shirts or stylish pens to secure your custom. But dont be (7) _ by these offers. A(n) (8) _ customer is someone who knows they can rely on their bank to (9) _ them

28、 when conditions change, and not to (10) _ to tell them when interest rates on overdrafts or credit card repayments have been plaintcontenteddeceiveexclusivefairlyindispensablenotifyomitpublicitytransactiondeceived notify omit contented exclusive Understanding writers attitudeMoreThe writer uses a n

29、umber of techniques and stylistic features to critical effect. l ironyl humourl anecdotesl rhetorical questionsl mixing formal and colloquial languagel making asides (comments in brackets on her own account as it develops).Read the introduction.Understanding writers attitudeMoreLook at the sentences

30、 from the passage and answer the questions. I have a confession. Has the writer done something seriously wrong?2. How did she do this? How could this be? I knew I earned more than her, my car was newer, and my house was smarter. How did she get to appear more flash than me?What effect does the serie

31、s of questions have?3. She has a student loan of 3,000, like most of her friends, and a small allowance from her poor mother (ha!) for transport, books, living expenses. Ha! is an aside which indicates a laugh. What is the laugh for?clickclickclickUnderstanding writers attitudeLook at the sentences

32、from the passage and answer the questions.4. She hugged me (never usually does that) and then said, “Mum, I need to talk to you.”Why does the writer add the detail in brackets?5. Her bank! I trusted them! They know even better than I do how broke she is.What effect do the exclamation marks have?6. I

33、 want you to lay out all of your credit cards in a line, take a large pair of scissors and cut them into small pieces.Is this a realistic instruction? Why does the writer conclude with this image?clickclickclickI have a confession. Has the writer done something seriously wrong? ?BackBackThe author i

34、s about to reveal a personal statement, which draws the reader into the passage.The confession is actually about something small and quite trivial.The writer uses the story of this experience to raise serious issues about credit cards and banks. butIt makes an interesting and ironic beginning.Unders

35、tanding writers attitude2. How did she do this? ? How could this be? ? I knew I earned more than her, my car was newer, and my house was smarter. How did she get to appear more flash than me? ? What effect does the series of questions have? ?BackBackrhetorical questions emphasize how the writer was

36、surprised & puzzled by the high-status gold card of her friend.share the writers feelings with us Understanding writers attitude3. She has a student loan of 3,000, like most of her friends, and a small allowance from her poor mother (ha!) for transport, books, living expenses. Ha! is an aside wh

37、ich indicates a laugh. What is the laugh for? ?BackBackIm poor but still have money to give my daughter an allowance.a mocking or ironic laughUnderstanding writers attitude4. She hugged me (never usually does that) and then said, “Mum, I need to talk to you.”Why does the writer add the detail in bra

38、ckets? ?she wants to make a special request.unusual hugattentionhow the daughter is being unusually nice to her motherbecause The daughter is going to raise a serious matter.warn BackBackUnderstanding writers attitude5. Her bank! I trusted them! They know even better than I do how broke she is.What

39、effect do the exclamation marks have? ?the feelings of the writeremphasizeThe bank seems to have betrayed the mothers trust as well as exploiting the daughters financial situation.BackBackUnderstanding writers attitude6. I want you to lay out all of your credit cards in a line, take a large pair of

40、scissors and cut them into small pieces. Is this a realistic instruction? ? Why does the writer conclude with this image? ?BackBackcutting ourselves off from the bankit doesnt seem realistic.a kind of revenge a lesson for the banksUnderstanding writers attitude How have credit cards changed peoples

41、attitude to money? Is it immoral to encourage people to spend money that they dont have? If companies or businesses get into debt by overspending, should they be helped by the state? Should schools teach children about money management? Would the world be able to function without banks? If so, would

42、 it be a better place to live in?Text evaluationWork in groups and discuss the questions, each group with one question only. clickclickclickclickclick1. How have credit cards changed peoples attitude to money? ?Text evaluationeasy to buy things or pay for services without handling moneyeasy to lose

43、track of what you are spending more casual & carefree attitudes to moneyspend morea credit limit which allows an overdraftencourage some people to get into debt when they cannot afford to do so.BackBack2. Is it immoral to encourage people to spend money that they dont have? ?BackBackText evaluat

44、ionthe credit card system invites people to get into debtimmoralbecausemake the effort to help people who later get into financial difficulty instead of simply punishing them with high interest ratestry their best to pay off their debts as soon as possible3. If companies or businesses get into debt

45、by overspending, should they be helped by the state? ?BackBackText evaluationcrucial to the economy and to the lives of most people1) how the help will be given and what conditions are made to the companies;2) which companies will receive helpthere have to be publicized criteria about which companie

46、s are considered to be vital for society. 2 issueshowever4. Should schools teach children about money management? ?BackBackText evaluationlsetting goals, planning in steps & making decisions lfinancial calculationslethics and morality in money managementan essential topicbring together different

47、 aspects of money management to create a focus for children lrelating money management to family life and personals, & household budgets5. Would the world be able to function without banks? ? If so, would it be a better place to live in? ?BackBackText evaluationlend money and financed local and

48、international trade or warsdeposits, loans, credit transfer through cheques etcstate functions, national and international commerce, business, and personal and family money managementimportant 11th &12thcenturies 19th century indispensable 20th century crucialThe present world cant really functi

49、on without them but it would be a happier place if banks gave priority to trust, security and public benefits.SummarisingTalking point Debating Listening SummarisingSummarise the text by filling the blanks.More Today, we are caught in the credit crunch because banks set traps which appeal to 1) _. T

50、he banks give a false sense of superiority to people with 2) _ in hard. They target people who are prone to 3) _, and 4) potentially _, tempted to 5) _ _, and liable to 6) _. They lure impoverished students with 7) _. our vanity and greed and sometimes to our basic need for survivalexclusive gold cr

51、edit cardsimpulse-buyingbad credit risksspend more than they havefall behind with repaymentsunrealistic interest ratesSummarisingThey charge people who go over the limit the exorbitant interest but omit to tell them the interest paid is not for the debt, but for 8) _. By attracting us with their 9)_

52、 for loans of money, the banks earn money.So how to get ourselves out of the traps? Lay out all of your credit cards in a line, take a large pair of scissors and cut them into small pieces. Then the banks have no 10) _.endless publicity potential to tempt money away from youthe overspend of the over

53、draftDebatingForm a group of four to debate the topic: it is necessary to get a student credit card.Listening Listen to a recording and find out the advantages and disadvantages of getting a student card as well as the advice.S ScriptcriptScript BackBack A student credit card? Is it right for me, an

54、d can it help me pay for expenses online such as online courses, music, language-learning maerials, or even a degree? Actually, the answer might be yes or no, depending on your circumstances. Of course, probably the best advice is to save up and then make purchases with cash. Unfortunately, differen

55、t online services often require a credit card. Here are some ideas to getting a credit card. First of all, obtaining a student credit card is becoming easier, and many companies are offering such cards to students in this growing market. From a students perspective, it allows a person to pay for thi

56、ngs online that only can be purchased on credit. Furthermore, it can help students build a good credit history that is often needed later for bigger purchases like a car or home. Difficult sentencesInformation relatedWords to noteLanguage in usePreview Difficult sentencesMy credit card was a fairly

57、pathetic- whereas hers was a very exclusive gold one. (Para 1)They target people who are prone to impulse-buying- liable to fall behind with repayments. (Para 7)After Id hauled her back into the house. and so on. (Para 12)4. Naturally, there was a lengthy correspondence - her debts began to rise mor

58、e than 200 above the agreed limit on her overdraft of 1,500. (Para 14)5. And here we are today, caught in the credit crunch, - attracting us with endless publicity for loans of money which even they didnt have! (Para 24)clickclickclickclickclickDifficult sentence 1My credit card was a fairly patheti

59、c, status-free dark blue, whereas hers was a very exclusive gold one. (Para 1) Paraphrase the sentence. My credit card was quite useless in an annoying way. It was dark blue and ordinary, it did not have any particular status. Hers was gold and it was limited to a particular group. click How did the

60、 writer feel? She felt inferior and wanted a gold credit card too.click3. Translate the sentence.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。clickBackBackDifficult sentence 2They target people who are prone to impulse-buying, and potentially bad credit risks, tempted to spend more than they have, and liable to fall behind with repayments