1、FOREIGH LANGUAGE TEACHING AND RESEARCH PRESS AIR FORCE ENGINEERING UNIVERTISY,The money game,Section A,2,Spend or save The students dilemma,Objectives,Spend or save The students dilemma,1. How to manage money as a college student?,Create a strict budget and commit to sticking with it; Prioritize one
2、s finances by identifying the areas in which one need to spend money;Remember to save;Avoid credit cards;,2. What do college students spend their money on?,Tuition and fees; Textbooks or other school supplies; Food and drink; Transportation in the form of bus or train tickets; Electronics, such as l
3、aptops and smart phones; Entertainment ; ,Read the following survey questions regarding spending habits of college students. Then check () all the responses that are true for you.,1. Whats the main source of your daily expenses?, From parents From student loan or subsidy From scholarship From part-t
4、ime job Other (specify) _,2. How much are your monthly expenses?, 500 yuan or less 501-800 yuan 801-1,000 yuan 1,001-1,500 yuan Over 1,500 yuan,3. Do you spend money based on your budget?, Always Sometimes Never,4. What costs most of your money as a college student?, Food, clothing and other necessi
5、ties Books Entertainments Other (specify) _,5. If you have extra money, do you prefer to saveit or spend it immediately?, Save it Spend it,dominant,commercial,respective,participants,links,distinctive,dealers and brokers,Listen to a short passage concerning money markets and fill in the missing info
6、rmation.,The money market consist of collection of markets each trading at _ financial instrument. There is no formal organization such as The New York Stock Exchange for the equity markets. Central activity to the money market are the _ who specializing one or more money market instruments.,To be c
7、ontinued,Dealers buy securities for the own _ and sell from the security inventers when the trades _. Brokers do not actually buy or sell securities, and they only accentuate the _ transactions at the best possible price. Their profits comes from commissions charged for that services.,position,take
8、place,client,Listen to a short passage concerning money markets and fill in the missing information.,1. What does financial literacy refer to ?,The ability to understand financial matters; The set of skills and knowledge; Allows an individual to make informed and effective decisions through understa
9、nding of finances.,2. In the United States , what does Student Financial Aid refer to?,The funding intended to help students pay education expenses including tuition and fees, room and board, books and supplies, etc. for education at a college, university, or private school.,Spend or save The studen
10、ts dilemma,save more,interest rates,According to the writer, why do the messages we get from our environment seem to defy common sense and contradict each other? (Para. 1),spend money,credit card offers,Another familiar example.(Para. 2),Dont pay on time,As soon as we pay,Credit Card Bill,we get dem
11、anding, nasty emails saying : “Your failure to pay is unacceptable. Pay immediately or youll be in trouble!”,we get an email in a charming tone telling us how valuable a customer we are and encouraging us to resume spending.,We are confused and _ by two contradictory messages that we get from our en
12、vironment. The government tells us to _ _. And credit card company also sent us contradictory message:_?,Part I (Paras. 1- _),2,spend and at the same time they tells us to save more,Are we failing consumers or valued customers,manipulated,Two sets of messages (Paras. 3-5),Suspend your desires,Contro
13、l your appetite,school,parents,traditional values,inescapable,invade,satisfy your desires,buy it now,Two sets of messages (Paras. 3-5),Suspend your desires,Control your appetite,school,parents,traditional values,inescapable,invade,satisfy your desires,buy it now,WHY?,Hard work, family loyalty, and t
14、he capacity to postpone desires are core American values that have made our country great.,on TV, in movies, on printed media and road signs, in stores, and on busses, trains and subways.,The only time you can escape advertising is when youre in your bed asleep! By the age of 18, the average America
15、n will have seen 600,000 ads; by the age of 40, the total is almost one million.,What happens as we take in these contradictory but explicit messages? What are the psychological and social consequences of this campaign to control our spending habits? (Para. 6),Every day we get two sets of messages a
16、t odds with each other. The “_” message urges us to work hard and save, suspend our desires, and avoid luxuries. The _ urge us to spend. the essential message from ads is anyhow _ already. As psychological and social consequences, people get _ with the two contradictory messages.,Part II (Paras. 3-
17、_),6,permissive advertisements,cemented into our consciousness,upright,confused,Why should students consider financial well-being as a key ingredient of university education? (Para. 7),What can students do to be financially healthy and have no money worries? (Para. 8),An educated consumer and saver,
18、Balance spending and saving,Captain of your own ship,Successful and productive direction,What conclusion can you draw from the text? (Para. 9),Learn to,Steer in,Part III Paras. 7-9,Students should learn how to become a smart and _ consumer and how to successfully _, which will help them gain a succe
19、ssful and production life.,educated,manage their finances,Introduction (Paras. 1-2),Were confused and manipulated by two contradictory messages - spend or save? (Para. 1),Example of contradictory messages: a failing consumer or a valued customer? (Para. 2),Introduction (Paras. 1-2),Body: paradox of
20、the two sets of messages (Paras. 3-6),The psychological and social consequences of the contradictory message (Para. 6),Body: paradox of the two sets of messages (Paras. 3-6),Conclusion (Paras. 7-9),It is important to learn how to balance spending and saving to make your life better. (Para. 9),Succes
21、sfully manage your finances so that you can focus on your primary goal. (Para. 7),Advice: attend financial literacy classes, consult with someone to help set up a budget, find a partner to stay on track and get pleasure from administrating your own financial affairs. Most importantly, seek help befo
22、re your financial problem becomes worse. (Para. 8),Spend or save the students dilemma I think that the messages we get from our environment seem to defy _ and contradict each other. The government tells us to spend and also to _ more. Banks offer higher interest rates so we can increase savings and
23、also send us _ offers so we can spend more. If we dont pay our credit card bill on time, the,common sense,save,credit card,To be continued,credit card company will warn us. As soon as we pay, the company will tell us how _ a customer we are and encourage us to_. We get two sets of messages at _ each
24、 other. One is the “permissive” perspective-advertisings permissive message is _; The other is “_” message.What happens as we take in these contradictory but explicit messages?,To be continued,valuable,resume spending,odds with,upright,inescapable,On one hand, we want more things because we want to
25、satisfy our _. On the other hand, we hope to _ our desires.Anyway, many of the skills you need as a successful student can be applied to your _. Money worries are extremely _ and _. So, how can you be a smart and educated consumer?,material appetite,postpone,finances,stressful,distracting,To be cont
26、inued,Consider _ classes or schools financial aid office or seek input in setting up a _. You can also finding a _ to help you stay on track and find _ in the administration. Most importantly, dont let your ego _ and urgently get help. As you learn to balance spending and saving, you will have a suc
27、cessful and _ life.,financial literacy,budget,partner,pleasure,get in your way,productive,提到；谈到,(mention / refer to ),Although she didnt mention any names, everyone knew who she was referring to.,refer to,短语逆译,短语应用,尽管她没有提任何人的名字，但大家都知道她指的是谁。,意群提示,不缺少；不缺乏,(go ahead with / project/ no shortage of ),You
28、 may go ahead with the project; there is no shortage of funds.,no shortage of,短语逆译,短语应用,你们可以继续进行这个项目，资金并不缺乏。,意群提示,得到，获得 （优势或愉快的感受）,(derive from/satisfaction/introduction),Many students derived enormous satisfaction from the introduction to art course.,derive sth. from sth.,短语逆译,短语应用,许多学生从这门艺术入门课程中得到
29、了巨大的满足。,意群提示,领会；理解；记住,It was an interesting exhibition, but there was too much to take in all at once.,take in,短语逆译,短语应用,这是一个有趣的展览，但要一下子记住所有的东西太多了。,意群提示,(exhibition / too much /take in ),（对形势）作出估计（判断）,(take stock of / position),We had to take stock of our position before we could decide what to do n
30、ext.,take stock (of sth.),短语逆译,短语应用,我们在决定下一步做什么以前，必须对我们的处境作出判断。,意群提示,在（可能通向成功的） 轨迹上,(run/ according to/ on track ),Everything is running according to our plan, so were still on track for 10% growth.,短语逆译,短语应用,一切都在按照我们的计划进行，所以我们仍有可能达到10%的增长率。,意群提示,on track,这里还有一个大家熟悉的例子：如果我们不按时支付信用卡账单，我们会收到从信用卡公司发来类似
31、这样的令人讨厌的催缴账单的电子邮件,原句译文,逆译练习,Heres another familiar example: If we dont pay our credit card bill on time, we get demanding, nasty emails from the credit card company saying something like,句型提炼,Heres another familiar example: ,句型提炼,应用提示,用于列举“人们熟知的事例”。,句型应用,(gourmet/ be sold on / Peking Duck),典型例句,这里还有
32、一个大家熟悉例子: “ 西方美食家已对北京烤鸭极有兴趣. ”,意群提示,Here is another familiar example : “ Western gourmets are sold on Peking Duck. ”,据计算，普通的美国人到18岁时，会看过60万个广告。,原句译文,逆译练习,Its been calculated that by the age of 18, the average American will have seen 600,000 ads.,句型提炼,Its been calculated that,句型提炼,应用提示,用于引出“有说服力的数据”。
33、,句型应用,(calculate/ population / double ),典型例句,据计算，世界人口在本世纪末将要增加一倍。,意群提示,Its been calculated that the worlds population will double by the end of the century.,学会了如何平衡支出和储蓄，你就会成为你自己的船长，驾驶着你的生活之帆，乘风破浪，驶向成功和富饶。,原句译文,逆译练习,As you learn to balance spending and saving, you will become the captain of your own
34、 ship, steering your life in a successful and productive direction through the choppy waters.,句型提炼,As sb. learn to do sth., sb.will do sth.,句型提炼,应用提示,用于表达“某人学会某事就会有所收获”。,句型应用,(dive / appreciate/ magnetism/ to your heart content),典型例句,学会了潜水就会见到海下的美丽景色，尽情领略大海的魅力。,意群提示,As you learn to dive, you will se
35、e the beautiful view under the sea, appreciating the magnetism of the sea to your heart content.,Offer discount prices； Send giveaways； Associate with new technologies like Internet marketing； Compare with other merchandises.,What are some of the effective techniques used to promote the selling of v
36、arious products?,2. Do you prefer to spend or save? Why?, I will spend because life is so short and I dont want to be thrifty or spend money carefully, which will drive me crazy. I only know I should enjoy my life while Im still young and healthy. I will save because with the worsening economic situ
37、ation everywhere, I dont know what could happen to me in the future. To be responsible for myself, I have to save some money for the future.,When I dont have much pocket money with me. When I want to buy something inexpensive but I cant afford it. When I dont have money to hang out with my friends a
38、nd classmates. When I see many things I dont need surrounding me.,3. How do you know whether youre overspending or not?,How do you understand the following quotes “金钱往往成为真正情义的障碍物。”and “Money is a good soldier, it can give people the courage instantly”?,According to Zou Taofen(邹韬奋), Money often becom
39、es the hindrance for chasing true friendship. The person with wealthy may always feel joyless, for they think others associate with he or she is for the money only.,But Shakespeare thought money is very important. It makes people full of energy. We know money means food, clothing, books, etc. Famili
40、es and people need it to buy things they must have. In this way society exists, and the world prospers.,Tips,What are the six steps for saving money mentioned in the passage?,You need to set ambitious goals to encourage you to save money；Form many money-saving habits while stay away from those that
41、waste money； Economize your daily expense；Keep an eye on discounts information；Economize your social life.；While reducing the expenditures, you need to broaden your way earning money.,Spend or Save The Students Dilemma,Learn a comparison / contrast essayTo start with, if you have two items to compar
42、e or contrast, the first step is to figure out how they are similar and how they are different. if you are comparing or contrasting two professors, you might do so on these points: homework assignment, type of exam, class organization, grading system and style of teaching. The chart below illustrate
43、s how you can list your points:,to be continued,to be continued,Learn a comparison / contrast essayThe next step is to study your list and decide whether to write about similarities or differences, or both. It is usually best to concentrate on one or the other. If you see that there are more similar
44、ities on the list, you might need to omit differences, or vice versa. The way to organize your points in your essay is either point-by-point or subject-by-subject.Please take a look at the chart below to see how you can organize the details with this pattern :,to be continued,to be continued,Lets lo
45、ok at Paragraphs 3 & 4 of Text A to see how comparison and contrast method is used to develop ideas:,Read the sample comparison / contrast essay and see how it develops with the subject-by-subject pattern.,Topic: Thrift people vs. lavish people Introduction: Thesis statement: Its always interesting
46、to compare two groups of people who live in entirely different lifestyles.,to be continued,Body: Subject A: People who live thriftily Go shopping when things are on sale; Try every means to conserve electricity; Seldom eat at restaurants. Subject B: People who live lavishly Go shopping any time they
47、 want; Never conserve electricity; Often eat at fancy restaurants.,to be continued,Conclusion: People always have their own lifestyles; some are thriftier than others.,to be continued,Sample: While it is good to enjoy spending money, some people may prefer saving money for the future. They are group
48、ed as thrifty people, while people who dont care about saving money can be called non-thrifty people. Its always interesting to compare these two groups of people who live in entirely different lifestyles.,to be continued,Sample: Thrifty people tend to use their money very carefully. They often say,
49、 “A penny saved is a penny earned.” So, they dont go shopping unless there is a large sale on the things they need. By doing this, they can usually save about 30 percent of money they otherwise have to spend. Similarly, they often conserve electricity. For example, they dont often use air conditioning in summer; instead, they use electric fans. Finally, they dont often eat out at restaurants. They calculate that by cooking at home they can probably save a large sum of money each month.,
