1、Unit 2“Planting” Money,Learning focus,The forms of some exercises in this unit deserve your attention. For example, the flow cart in Part I B, the key point summary in Part II A and the outline in Part III are all good presentations of summaries that put some relatively complex ideas and relationshi
2、ps in a very simple and clear way.For advanced English listeners, learning to choose and use the right words and ways to organize and retain the received information is just as important as the task of achieving a correct understanding of the information itself.,Part I Getting ready,of,1,3,There is
3、an old joke about the conflicting ideas on money: One person remarks, money is the root of all evil, and his friend responds, I know, Ive been rooting for it all my life. What is your view?,section A,of,1,3,Worse off: poorer or in a more difficult situation.Better off: having more money than you had
4、 in the past or more money than most other people.Inherit: v.继承；遗传而得 ;成为继承人 1. obtain from someone after their death I inherited a castle from my French grandparents 2. receive from a predecessor The new chairman inherited many problems from the previous chair 3. receive by genetic transmission,sect
5、ion A,of,1,3,Budget: 1. N-COUNTYour budget is the amount of money that you have available to spend. The budget for something is the amount of money that a person, organization, or country has available to spend on it. 预算商业 E.g.Someone had furnished the place on a tight budget. 有人用不多的钱把那个地方布置了一下。2. N
6、-COUNTThe budget of an organization or country is its financial situation, considered as the difference between the money it receives and the money it spends. (机构、政府等的) 财政收支状况商业 E.g.The hospital obviously needs to balance the budget each year. 该医院显然每年都需要平衡其财务收支。3. V-T/V-IIf you budget certain amount
7、s of money for particular things, you decide that you can afford to spend those amounts on those things. 安排开支; 编制预算4. budgetingN-UNCOUNT预算,section A,of,1,3,Allowance:n. 津贴，零用钱；允许；限额 1. an amount allowed or granted (as during a given period) travel allowance my weekly allowance of two eggs a childs a
8、llowance should not be too generous 2. a sum granted as reimbursement for expenses3. an amount added or deducted on the basis of qualifying circumstances an allowance for profit 4. a permissible difference; allowing some freedom to move within limits5. a reserve fund created by a charge against prof
9、its in order to provide for changes in the value of a companys assets6. the act of allowing He objected to the allowance of smoking in the dining room v.定量供应 put on a fixed allowance, as of food,section A,of,1,3,piggy bank : n. also piggybank A piggy bank is a small container shaped like a pig, with
10、 a narrow hole in the top through which to put coins. Children often use piggy banks to save money. 存钱罐 a childs coin bank (often shaped like a pig),section A,of,1,3,Passbook:N-COUNTA passbook is a small book recording the amount of money you put in or take out of a savings account at a bank. 存折port
11、folio :n.公文包；文件夹；证券投资组合；部长职务 1. a large, flat, thin case for carrying loose papers or drawings or maps; usually leather he remembered her because she was carrying a large portfolio 2. a set of pieces of creative work collected to be shown to potential customers or employers the artist had put togeth
12、er a portfolio of his work every actor has a portfolio of photographs 3. a list of the financial assets held by an individual or a bank or other financial institution they were disappointed by the poor returns on their stock portfolio 4. the role of the head of a government department he holds the p
13、ortfolio for foreign affairs,section A,of,1,3,investment portfolio 投资证券组合 portfolio investment 笼统有价证券投资；间接投资 product portfolio 产品组合；产品系列 portfolio selection 组合证券投资选择；经笼统投资选择 portfolio management 组合管理；资产组合管理；证券投资管理,section A,of,1,3,annual return: 会计 年利润，岁入 Paycheck:n.付薪水的支票，薪水 a check issued in payme
14、nt of wages or salaryE.g Have one eye thats smaller than the other? It could be costing you some of your paycheck.你是一只眼睛大一只眼睛小吗？如果是，你拿到的薪水可能会因此比平均水平低。,section A,of,1,3,Lottery:1. N-COUNTA lottery is a type of gambling game in which people buy numbered tickets. Several numbers are then chosen, and th
15、e people who have those numbers on their tickets win a prize. 彩票抽奖例： .the national lottery. 全国性的彩票抽奖。2. N-SINGIf you describe something as a lottery, you mean that what happens depends entirely on luck or chance. 靠运气的事例： The stockmarket is a lottery. 股市靠的是运气。lottery ticket 彩票；奖券 welfare lottery 福利彩票
16、,section B,of,1,3,You are going to hear some people giving their opinions about wealth and poverty. What would you reply to these people? The following expressions are for your reference only.,section B,of,1,3,I agree + reasonThats right/true, because.Yes, absolutely!I couldnt agree more.Thats just
17、what I think.Youve got a point there.,section B,of,1,3,I dont agree or I partly agree + reasonWhat makes you say that?With all due respect, Id say that.Thats not quite the way I see it.I see what youre getting at/you mean, but.Theres a lot in what you say, but.I couldnt agree more but.,section B,of,
18、1,3,Avoiding giving an opinionIts difficult to say.I really dont know. Im afraid.I think it all depends.Im not really sure.I suppose it depends on your point of view.,section B-tapescript,of,1,3,Narrator:What would you reply to these people?Man:Well, as I see it, millions of people in the world are
19、worse off than us, but theres nothing we can do about it.Woman:Id say that if you do have plenty of money, theres no point in spending it on private education for your children.Man:It seems to me that the only way to help the poor in the world is to find ways of helping them to help themselves. er n
20、ot by er giving them free food.Women:If you ask me, taxes for rich people should be really high 95% or something - so that everyone is at the same economic level.,section B,of,1,3,Man:Er in my view it its worth making a lot of money er so that you can leave it to your children when you die.Man:Dont
21、you agree that if people are starving or have nowhere to live, its the duty of better-off people to give them food and shelter?Woman:Look, lets face it, theres only one reason why people work and thats to make as much money as possible.Man:Surely, as long as youve got enough to live on, theres no po
22、int in making more and more money.Woman:If youre earning a good salary, surely you should save as much as you can for a rainy day.Man:I must say that one thing is certain: money doesnt buy happiness.,section C,of,1,3,You are going to hear ten short conversations. Pay special attention to the second
23、speaker in each conversation who reacts to the first speakers opinion. Listen carefully to the tone of voice. Tick all the proper boxes to indicate the second speakers response.,section C,of,1,3,section C- tapescript,of,1,3,1.Woman:Arent you glad youre not a millionaire?Man:Sure!2.Man:Dont you wish
24、you could afford to spend our holidays in the Caribbean?Woman:Mm, ye-es.3.Woman:Its not worth saving your money, its better to spend it.Man:Oh, sure!4.Man:Its better to be happy than rich.Woman:Hmm.5.Woman:Well, basically, in a job the most important thing is how much you earn.Man:Oh, yes!,section C
25、,of,1,3,6.Man:Its really important to save a little money every month you never know when you might need it.Woman:I dont know about that!7.Man:The only way to survive on a tight budget is to keep a record of all your expenses.Man:I dont know about that!8.Woman:Children these days get far too much po
26、cket money.Woman:Mmm!9.Woman:In a family it should be the mother that controls the budget.Woman:Yes!10.Man:If I inherited a lot of money it wouldnt change my life at all.Man:Oh, yes!,Part II National Teach Children to Save Day,2,4,As a kid, he probably spends all the money he gets as fast as he can.
27、 By doing this, he also gets a 0% return on his money. However, some of the kids are already saving their money in a bank. Then they are ahead of others.,Section A,2,4,Listen to the report. Supply the missing information.,Section A - keys,2,4,National Teach Children to Save Day Subjects: elementary
28、school children across the country Time: Thursday, April 17Sponsor: American Bankers Association Education Foundation Purpose: teaching children how to save money Way of teaching: 2 500 bankers making 5 000 presentations,Section B,2,4,Now listen again. The following are some of the tips for parents
29、to foster the savings habit in their children. Match column A (purpose) with column B (How to do),Section B-keys,2,4,Column A1. Making savings visible and real2. Encouraging children to save as much as they can3. A first step toward learning to budget4. Making savings and investing fun,Column B4. gi
30、ving children play money toinvestin s tocks they can track in local newspapers 3. children an allowance and part of it going into their own savings 2. putting 25 cents away for every dollar the children earn 1. building up savings in a piggy bank/opening childrens own bank savings account,Section B-
31、tapescript,2,4,On Thursday, April 17, National Teach Children to Save Day, 2 500 bankers will make 5 000 presentations in elementary school classrooms across the country to teach children how to save money.Bankers are committed to investing in the future of children because we want them to be able t
32、o make smart financial decisions throughout their lifetime, said American Bankers Association Executive Vice-president Donald G. Ogilvie. Education and money management skills are keys to a better life.The ABA Education Foundation declared National Teach Children to Save Day as a way to show banking
33、 industry support for teaching children money management skills and encouraging them to save money for the future. In 1996, Americans saved only 4.9% of their disposable incomes, compared to 1970 when they saved 8%.,Section B-tapescript,2,4,The Foundation coordinated a great effort with state banker
34、s associations to encourage bankers to participate in National Teach Children to Save Day. It also prepared a resource kit with tools to help bankers make presentations in classrooms. More than 125 000 students will be part of this national initiative.The ABA Education Foundation also offers tips fo
35、r parents to foster the savings habit in their children:Give them an allowance with the understanding that part of it goes into their own savings a first step towards learning to budget.,Section B-tapescript,2,4,To make their savings visible and real, have them build up savings in a piggy bank. Then
36、 help them open their own bank savings account, and have them make deposits each month. Use their monthly statements, or the record in their savings passbooks, to show them how their money is multiplying. For every dollar your children earn, encourage them to spend 25 cents on what they want or need
37、 now, put 25 cents away for a bigger-item purchase later and save or invest the rest. (Thats a 50% savings rate!) Make savings and investing fun. Give your children play money to invest in stocks they can track in local newspapers. If the stocks go up, pay them in more play money; if the stocks decl
38、ine, they pay you.,Part III Safe Investing,3,46,Imagine that you have won a large sum of money in a contest. Some of it you decide to spend, but you also want to invest a part for your financial future and retirement. What would be the best way to invest your money for these time periods: 6 months,
39、2 years, 10 years, 15 years, and 30 years?,Section A,3,46,Listen to a news report about safe investing and answer the questions.,Section A,3,46,mutual fund :共有基金 count on: count onalso count upon(counting, counted, counts) 1. PHRASAL VERBIf you count on something or count upon it, you expect it to h
40、appen and include it in your plans. 指望例： What they did not know was how much support they could count on from Democrats. 他们不知道能够指望从民主党人那里得到多少支持。2. PHRASAL VERBIf you count on someone or count upon them, you rely on them to support you or help you. 依靠例： Dont count on Lillian. 别依靠莉莲了。,Section A,3,46,M
41、inus: 1. CONJYou use minus to show that one number or quantity is being subtracted from another. 减例： One minus one is zero. 一减一等于零。2. ADJMinus before a number or quantity means that the number or quantity is less than zero. 负的ADJ amount例： The aircraft was subjected to temperatures of minus 65 degree
42、s and plus 120 degrees. 该飞机经受了零下65 度和零上120度的温度。3. ADJTeachers use minus in grading work in schools and colleges. B minus is not as good as B, but is a better grade than C. 略低的例： Im giving him a B minus. 我打算给他一个B-。4. PREPTo be minus something means not to have that thing. 失去例： The film company collap
43、sed, leaving Chris jobless and minus his life savings. 这家电影公司垮了，使克里斯失业了，同时也失去了他的生活积蓄。5. N-COUNTA minus is a disadvantage. 不利因素非正式例： The minuses far outweigh that possible gain. 不利因素远远超过了那可能获得的收益。,Section A,3,46,weather the storm :渡过难关;渡过困境 greedy : 1. ADJIf you describe someone as greedy, you mean t
44、hat they want to have more of something such as food or money than is necessary or fair. 贪婪的例： He attacked greedy bosses for awarding themselves big raises. 他攻击那些给自己大幅涨工资的贪婪的老板们。2. greedilyADV贪婪地ADV with v例： Laurie ate the pastries greedily and with huge enjoyment. 劳里十分快乐而贪婪地吃着那些糕点。,Section A - keys
45、,3,46,Section A,3,46,Hi, I;m GEorge Boros. Have you always wanted to invest, but didnt know where to get started?,Section B,3,46,Listen to a mini-talk about some concepts of investing. Complete the chart.,Section B,3,46,Lemonade:/lmned/ 1. N-UNCOUNTLemonade is a drink that is made from lemons, sugar
46、, and water. 柠檬汽水例： He was pouring ice and lemonade into tall glasses. 他正往高脚杯中倒冰和柠檬汽水。Inflation: n.膨胀；通货膨胀；夸张；自命不凡 1. a general and progressive increase in prices in inflation everything gets more valuable except money 2. (cosmology) a brief exponential expansion of the universe (faster than the spe
47、ed of light) postulated to have occurred shortly after the big bang3. lack of elegance as a consequence of being pompous and puffed up with vanity4. the act of filling something with air,Section B,3,46,Big mac:1.巨无霸（麦当劳一种汉堡）2. 美国口语大麦克纽约市政援助公司(the Municipal Assistance Corporation) 的绰号Gallon:加仑（容量单位）
48、1. United States liquid unit equal to 4 quarts or 3.785 liters2. a British imperial capacity measure (liquid or dry) equal to 4 quarts or 4.545 litersdownside : SINGThe downside of a situation is the aspect of it which is less positive, pleasant, or useful than its other aspects. 不利的一面,Section B,3,46,Section B,3,46,Section B,3,46,Section B,3,46,Loading,WHAT,OpportunitiesChallenges,1,2,3,52,58,
