Unit5Spendorsave
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1、FOREIGH LANGUAGE TEACHING AND RESEARCH PRESS AIR FORCE ENGINEERING UNIVERTISY2Spend or save The students dilemmaUnit 5 Section AUnit 5 Section AAmanwhobothspendsandsavesmoneyisthe happiest man,because he has bothenjoyments.Samuel Johnson(English writer)Youmustlearntosavefirstandspendafterward.John P
2、oole(English playwright)25UNITThe money gameSectionA 25The money gameUNITSpendorsaveThestudentsdilemmaObjectivesObjectivesTotalkaboutmoneyTofurtherunderstandthetextToapplythephrasesandpatternsTomastertheessaywritingskillContentsASection Warming-upActivitiesTextStudyLanguageApplicationSummarySpend or
3、 saveSpend or save The students dilemma The students dilemmaASectionWarming-upActivitiesLead-inLead-inPre-reading ActivitiesPre-reading ActivitiesCultural BackgroundCultural BackgroundSpend or save Spend or save The students dilemma The students dilemma1.Howtomanagemoneyasacollegestudent?Createastri
4、ctbudgetandcommittostickingwithit;Prioritizeonesfinancesbyidentifyingtheareasinwhichoneneedtospendmoney;Remembertosave;Avoidcreditcards;2.Whatdocollegestudentsspendtheirmoneyon?Tuitionandfees;Textbooksorotherschoolsupplies;Foodanddrink;Transportationintheformofbusortraintickets;Electronics,suchaslap
5、topsandsmartphones;Entertainment;Read the following survey questions regarding spending habits of college students.Then check()all the responses that are true for you.1.Whatsthemainsourceofyourdailyexpenses?FromparentsFromstudentloanorsubsidyFromscholarshipFrompart-timejobOther(specify)_2.Howmuchare
6、yourmonthlyexpenses?500yuanorless501-800yuan801-1,000yuan1,001-1,500yuanOver1,500yuan3.Doyouspendmoneybasedonyourbudget?AlwaysSometimesNever4.Whatcostsmostofyourmoneyasacollegestudent?Food,clothingandothernecessitiesBooksEntertainmentsOther(specify)_5.Ifyouhaveextramoney,doyouprefertosaveitorspendit
7、immediately?SaveitSpenditIn the money markets,businessesgovernments and sometimes individualsborrow or lend funds for short period oftime.Usually1to120days.USTreasury-bills are the _ money marketinstrument.Theyarefollowedbynegotiablecertificatedepositand_paper.Listen to a short passage concerning mo
8、neymarketsandfillinthemissinginformation.To be continuedTo be continueddominantcommercialListen to a short passage concerning moneymarketsandfillinthemissinginformation.Othermoneymarketinstrumentstheyare not large in-volume of standing areimportant in _ market andrepresent invest mental ternaries fo
9、rmoney market _.It is aclosedsubstituteabilityofmarketinstruments,it _ all the moneymarkets.To be continuedTo be continuedrespectiveparticipantslinksdistinctivedealersandbrokersListen to a short passage concerning moneymarketsandfillinthemissinginformation.Themoneymarketconsistofcollectionof markets
10、 each trading at _financial instrument.There is no formalorganizationsuchasTheNewYorkStockExchange for the equity markets.Centralactivity to the money market are the_whospecializingoneormoremoneymarketinstruments.To be continuedTo be continuedDealersbuysecuritiesfortheown_andsellfromthesecurityinven
11、ters when the trades _.Brokersdonotactuallybuyorsellsecurities,and they only accentuate the _transactionsatthebestpossibleprice.Theirprofits comes from commissions charged forthatservices.positiontakeplaceclientListen to a short passage concerning moneymarketsandfillinthemissinginformation.Questions
12、Previewing1.Whatdoesfinancialliteracyreferto?2.IntheUnitedStates,whatdoesStudentFinancialAidreferto?TipsTipsTipsTipsTipsTipsTipsTips1.Whatdoesfinancialliteracyreferto?Theabilitytounderstandfinancialmatters;Thesetofskillsandknowledge;Allowsanindividualtomakeinformedandeffectivedecisionsthroughunderst
13、andingoffinances.2.IntheUnitedStates,whatdoesStudentFinancialAidreferto?Thefundingintendedtohelpstudentspayeducation expenses including tuition andfees,roomandboard,booksandsupplies,etc.for education at a college,university,orprivateschool.Main Idea&StructureMain Idea&StructureLanguage FocusLanguage
14、 FocusCritical ThinkingCritical ThinkingTextStudyASectionSpend or save Spend or save The students dilemma The students dilemmaTipsTipsTipsTipsBecausewhenthegovernmentencouragespeople to_ togetoutoftherecession,theyalsoadvicepeopleto_.Similarly,whenbanksofferhigher _ to increase savingstheysend_tolet
15、peoplespendmore.savemoreinterestratesAccordingtothewriter,whydothemessageswegetfrom our environment seem to defy common senseandcontradicteachother?(Para.1)spendmoneycreditcardoffersAnotherfamiliarexample.(Para.2)Dont pay on timeAs soon as we payCredit Card Bill we get demanding,nastyemailssaying:“Y
16、ourfailuretopayisunacceptable.Payimmediately or youll be introuble!”we get an email in acharming tone telling ushowvaluableacustomerweareandencouragingustoresumespending.We are confused and _ bytwo contradictory messages that we getfromourenvironment.Thegovernmenttellsusto_.And credit cardcompanyals
17、osentuscontradictorymessage:_?PartI(Paras.1-_)2spendandatthesametimetheytellsustosavemoreArewefailingconsumersorvaluedcustomersmanipulatedTwosetsofmessages(Paras.3-5)“Upright”message,which urges us,“Work hardandsave._.Avoidluxuries._ for more than youtrulyneed.”Thismessagecomestousfrom_,from_,even f
18、rom politicalfiguresreferringto“_”.“Permissive”message,“Buy,spend,getitnow.You needthis!”,is_.Advertisements_ourdailylives.Theessentialmessage is cemented into our consciousness,“Its good to_.You should have what you want.Youdeservethebest.So,youshould_!”SuspendyourdesiresControlyourappetiteschoolpa
19、rentstraditionalvaluesinescapableinvadesatisfyyourdesiresbuyitnowTwosetsofmessages(Paras.3-5)“Upright”message,which urges us,“Work hardandsave._.Avoidluxuries._ for more than youtrulyneed.”Thismessagecomestousfrom_,from_,even from politicalfiguresreferringto“_”.“Permissive”message,“Buy,spend,getitno
20、w.You needthis!”,is_.Advertisements_ourdailylives.Theessentialmessage is cemented into our consciousness,“Its good to_.Youshouldhavewhatyouwant.Youdeservethebest.So,youshould_!”SuspendyourdesiresControlyourappetiteschoolparentstraditionalvaluesinescapableinvadesatisfyyourdesiresbuyitnowWHY?Hard work
21、,family loyalty,and the 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 ave
22、rage American 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 explicitmessages?Whatarethepsychologicalandsocialconsequencesofthiscampaigntocontrolourspendinghabits?(Para.6)We want more things because we want to satisfy ou
23、r material appetite.Most of us derive pleasure from treating ourselves.Watch out,take stock of your life,dont let your attention get scattered.Postpone your desires.Dont fall into debt.Wait!Retain control over your own life.It will make you stronger.Everydaywegettwosetsofmessagesatoddswith each othe
24、r.The“_”messageurgesustoworkhardandsave,suspendourdesires,andavoidluxuries.The_urgeustospend.the essential message from ads is anyhow_already.Aspsychologicalandsocialconsequences,peopleget _ with the two contradictorymessages.PartII(Paras.3-_)6permissiveadvertisementscementedintoourconsciousnessupri
25、ghtconfusedWhyshouldstudentsconsiderfinancialwell-beingasakeyingredientofuniversityeducation?(Para.7)TipsTipsTipsTipsBecausemoneyworriescanmakestudentsfeelterribleandhindertheirabilitytofocuson their main goal:to successfullycompletetheireducation.Whatcanstudentsdotobefinanciallyhealthyandhavenomone
26、yworries?(Para.8)TipsTipsTipsTipsTheycangoto:financialliteracyclasses;schoolsfinancialaidoffice;seekinputfromparentsorotheradults;findapartner;askforhelpAneducatedconsumerandsaverBalancespendingandsavingCaptainofyourownshipSuccessfulandproductivedirectionWhatconclusioncanyoudrawfromthetext?(Para.9)L
27、earntoSteerinBecomePartIIIParas.7-9Students should learn how to become asmartand_consumerandhowtosuccessfully_,whichwill help them gain a successful andproductionlife.educatedmanagetheirfinancesWereconfusedandmanipulatedbytwocontradictorymessages-spendorsave?(Para.1)The government tells us tospendmo
28、retohelpendtherecession.Bankssendcreditcards to encourage morespending.They also tell us to savemore for our financial well-being.Banks offer higherinterest rates to encouragesavingmore.Exampleofcontradictorymessages:afailingconsumeroravaluedcustomer?(Para.2)If we dont pay our creditcard bill,we get
29、 nastyemails saying:“Your failuretopayisunacceptable.Payimmediatelyoryouwillbeintrouble!”Assoonaswepay,wegetan email in a charmingtone,addressingusasvaluablecustomersandencouraging us to resumespending.The“upright”messageurgesustoworkhardandsave,suspendourdesires,avoid luxuries,and controlour appeti
30、te for more thanwetrulyneed.Thismessagecomestousfrommanysourcessuchasschool,parents,and evenpoliticians.(Para.3)Theoppositepermissivemessages to spend areeverywhere around us:onTV,road signs,etc.Theessentialmessageiscementedintoourconsciousness from ads:Its good to satisfy ourdesires;we deserve what
31、we want and the best wewant.(Paras.4-5)Thepsychologicalandsocialconsequencesofthecontradictorymessage(Para.6)On one hand,we alwayswantmorethingsbecausewe want to satisfy ourmaterial appetite.Most ofus derive pleasure fromtreatingourselves.Ontheotherhand,alittlevoicewarnsus:watchout,postponeyourdesir
32、es,dont fall into debt,andretain control over yourownlife.Itisimportanttolearnhowtobalancespendingandsavingtomakeyourlifebetter.(Para.9)Successfullymanageyourfinancessothatyoucanfocusonyourprimarygoal.(Para.7)Advice:attend financial literacy classes,consult withsomeonetohelpsetupabudget,findapartner
33、tostayontrack and get pleasure from administrating your ownfinancial affairs.Most importantly,seek help before yourfinancialproblembecomesworse.(Para.8)SpendorsavethestudentsdilemmaIthinkthatthemessageswegetfromourenvironment seem to defy _andcontradicteachother.Thegovernmenttellsustospendandalsoto_
34、more.Banksofferhigherinterestratessowecanincreasesavingsandalsosendus_offerssowecanspendmore.Ifwedontpayourcreditcardbillontime,thecommonsensesavecreditcardTo be continuedTo be continuedcreditcardcompanywillwarnus.Assoonas we pay,the company will tell us how_acustomerweareandencourageusto_.Weget two
35、 sets of messages at _eachother.Oneisthe“permissive”perspective-advertisingspermissivemessage is _;The other is“_”message.What happens as we take in thesecontradictorybutexplicitmessages?To be continuedTo be continuedvaluableresumependingoddswithuprightinescapableOn one hand,we want more thingsbecau
36、sewewanttosatisfyour_.On the otherhand,we hope to _ ourdesires.Anyway,many of the skills you needasasuccessfulstudentcanbeappliedto your _.Money worries areextremely_and_.So,how can you be a smart andeducatedconsumer?materialappetitepostponefinancesstressfuldistractingTo be continuedTo be continuedC
37、onsider_classesorschools financial aid office or seek input insettingupa_.Youcanalsofindinga_tohelpyoustayontrackandfind_intheadministration.Mostimportantly,dontletyourego_andurgentlygethelp.As you learn to balance spending andsaving,you will have a successful and_life.financialliteracybudgetpartner
38、pleasuregetinyourwayproductivePracticalPhrasesPracticalPhrasesSpecificSpecificMeaningsMeanings1.referto 提到;谈到2.noshortageof 不缺少;不缺乏3.derivesth.fromsth.得到,获得(优势或 愉快的感受)4.takein 领会;理解;记住5.takestock(ofsth.)(对形势)作出估计 (判断)6.ontrack 在(可能通向成功的)轨迹上提到;谈到提到;谈到(mention/refer to )Althoughshedidntmentionanynames
39、,everyoneknewwhoshewasreferring to.referto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;不缺乏不缺少;不缺乏(go ahead with/project/no shortage of)Youmaygo ahead with theproject;thereisno shortage of funds.noshortageof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,获得得到,获得 (优(优势或愉快的感受)势或愉快的感受)(derive from/satisfaction/introduct
40、ion)Manystudentsderivedenormoussatisfactionfromtheintroductiontoartcourse.derivesth.fromsth.短语逆译短语应用许多学生从这门艺术入门课程中得到了巨大的满足。意群提示领会;理解;记住领会;理解;记住Itwasaninterestingexhibition,buttherewastoo much totake in allatonce.takein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)(对
41、形势)作出估计(判断)(take stock of/position)Wehadtotake stock of ourpositionbeforewecoulddecidewhattodonext.takestock(ofsth.)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)在(可能通向成功的)轨迹上轨迹上(run/according to/on track)Everythingisrunningaccording to ourplan,sowerestillon track for10%growth.短语逆译短语应用一切都在按照我们的计划
42、进行,所以我们仍有可能达到10%的增长率。意群提示ontrackFunctionalFunctionalPatternsPatternsFunctions&UsagesFunctions&Usages1.Heresanotherfamiliarexample:用于列举“人们熟知的事例”。2.Itsbeencalculatedthat用于引出“有说服力的数据”。3.Assb.learntodosth.,sb.willdosth.用于表达“某人学会某事就会有所收获”。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这样的令人讨厌的催缴账单的电子邮件原句译文原
43、句译文逆译练习逆译练习Heresanotherfamiliarexample:Ifwedontpayourcreditcardbillontime,wegetdemanding,nastyemailsfromthecreditcardcompanysayingsomethinglike句型提句型提炼Heresanotherfamiliarexample:句型提炼句型提炼应用提示应用提示用于列举“人们熟知的事例”。句型句型应用用(gourmet/be sold on/Peking Duck)典型例句这里还有一个大家熟悉例子:“西方美食家已对北京烤鸭极有兴趣.”意群提示Here is anothe
44、r familiar example:“WesterngourmetsaresoldonPekingDuck.”据计算,普通的美国人到18岁时,会看过60万个广告。原句译文原句译文逆译练习逆译练习Itsbeencalculatedthatbytheageof18,theaverageAmericanwillhaveseen600,000ads.句型提句型提炼Itsbeencalculatedthat句型提炼句型提炼应用提示应用提示用于引出“有说服力的数据”。句型句型应用用(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 b
45、een calculated that theworldspopulation will double by the end of thecentury.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。原句译文原句译文逆译练习逆译练习As you learn to balance spending andsaving,you will become the captain ofyour own ship,steering your life in asuccessfulandproductivedirectionthroughthechoppyw
46、aters.句型提句型提炼Assb.learntodosth.,sb.willdosth.句型提炼句型提炼应用提示应用提示用于表达“某人学会某事就会有所收获”。句型句型应用用(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Asyoulearntodive,youwillseethebeautifulviewunderthesea,appreciatingthemagnetismoftheseatoyourheartcontent.艰苦创业,忠于家庭,能推迟欲望是美国价值观的核
47、心,它使我们的国家变得强大。a.Hardwork,familyloyalty,andthecapacitytopostponedesiresarecoreAmericanvalues that have made ourcountrygreat.(Para.3,L6)我爱自己。我是自己的好朋友。我只做让我感觉舒服的事。我从精美的东西里得到乐趣,并感觉它们给我滋养。我 过去做事常延迟购买,但再也不会了。b.Iloveme.Imagoodfriendto myself.I do what makesmefeelgood.Iderivepleasurefromnicethingsandfeel no
48、urished by them.Iused to put things off.Notanymore.(Para.5,L8)“当心,要掂量掂量自己的生活,不要让注意力分散。推迟欲望。不要陷入债务。要等待!保留对自己生活的控制权。这样你会更坚强。”c.Watchout,takestockofyourlife,dontletyourattentiongetscattered.Postponeyourdesires.Dontfallintodebt.Wait!Retaincontroloveryourown life.It will make you stronger.(Para.6,L5)学会了如
49、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。d.Most importantly,if you findyourselfgettingintofinancialtrouble,dont let your ego get inyour way;urgently get help withtackling your problem before itspinsoutofcontrolandlandsyouinlegaltroubles.(Para.8,L6)1Whataresomeoftheeffectivetechniquesusedtopromote
50、thesellingofvariousproducts?2Doyouprefertospendorsave?Why?3How do you know whether youreoverspendingornot?TipsTipsTipsTipsTipsTipsTipsTipsTipsTipsTipsTipsOfferdiscountprices;Sendgiveaways;AssociatewithnewtechnologieslikeInternetmarketing;Comparewithothermerchandises.1.Whataresomeoftheeffectivetechni
51、quesusedtopromotethesellingofvariousproducts?2.Doyouprefertospendorsave?Why?IwillspendbecauselifeissoshortandIdontwanttobethriftyorspendmoneycarefully,whichwilldrivemecrazy.IonlyknowIshouldenjoymylifewhileImstillyoungandhealthy.Iwillsavebecausewiththeworseningeconomicsituation everywhere,I dont know
52、 what couldhappentomeinthefuture.Toberesponsibleformyself,Ihavetosavesomemoneyforthefuture.WhenIdonthavemuchpocketmoneywithme.WhenIwanttobuysomethinginexpensivebutIcantaffordit.WhenIdont have moneytohang outwithmyfriendsandclassmates.WhenIseemanythingsIdontneedsurroundingme.3.Howdoyouknowwhetheryour
53、eoverspendingornot?Howdoyouunderstandthefollowingquotes“金金钱钱往往往往成成为为真真正正情情义义的的障障碍碍物物。”and“Moneyisagoodsoldier,itcangivepeoplethecourageinstantly”?According to Zou Taofen(邹 韬 奋),Money oftenbecomesthehindranceforchasingtruefriendship.Thepersonwithwealthymayalwaysfeeljoyless,fortheythinkothersassociate
54、withheorsheisforthemoneyonly.ButShakespearethoughtmoneyisveryimportant.Itmakespeoplefullofenergy.Weknowmoneymeansfood,clothing,books,etc.Familiesandpeopleneedittobuythingstheymusthave.Inthiswaysocietyexists,andtheworldprospers.Q:Whatarethesixstepsforsavingmoneymentionedinthepassage?Listentoashortpas
55、sageanddiscussthefollowingquestion.TipsTipsTipsTipsWhat are the six steps for saving moneymentionedinthepassage?Youneedtosetambitiousgoalstoencourageyoutosavemoney;Formmanymoney-savinghabitswhilestayawayfromthosethatwastemoney;Economizeyourdailyexpense;Keepaneyeondiscountsinformation;Economizeyourso
56、ciallife.;Whilereducingtheexpenditures,youneedtobroadenyourwayearningmoney.ASectionLanguageApplicationWriting DevicesWriting DevicesOral ReproductionOral ReproductionParagraph TranslationParagraph TranslationSpend or Save Spend or Save The Students Dilemma The Students DilemmaLearnacomparison/contra
57、stessayTo start with,if you have two items tocompare or contrast,the first step is tofigureouthowtheyaresimilarandhowtheyare different.if you are comparing orcontrastingtwoprofessors,youmightdosoon these points:homework assignment,type of exam,class organization,gradingsystemandstyleofteaching.The c
58、hart below illustrates how you can list your points:to be continuedto be continuedPoints to compare/contrastProfessor AProfessor Bhomeworkassignmentassignmentdueforeveryclasshardlyanytypeofexamessaymultiplechoicesandessayclassorganizationwellorganizedfreeandeasygradingsystem50%quiz,50%essayexam100%e
59、ssayexamstyleofteachinglectureclassdiscussion,Q&Asectionto be continuedto be continuedLearnacomparison/contrastessayThe next step is to study your list anddecidewhethertowriteaboutsimilaritiesordifferences,or both.It is usually best toconcentrateononeortheother.Ifyouseethat there are more similariti
60、es on the list,youmightneedtoomitdifferences,orviceversa.The way to organize your points inyour essay is either point-by-point orsubject-by-subject.Please take a look at the chart below to see how you can organize the detailswith this pattern:to be continuedto be continuedto be continuedto be contin
61、uedSubject-by-subject Professor AA Homework assignmentB Class organizationC Style of teaching Professor BA Homework assignmentB Class organizationC Style of teachingLets look at Paragraphs 3&4 of Text A to see how comparison and contrast method is used to develop ideas:Theparadoxisthateverydaywegett
62、wosetsofmessagesatoddswitheachother.The other we could call an“upright”message,which urges us,“Work hard and save.Suspend your desires.Avoid luxuries.Control your appetite for more than you truly need.”This message comes to us from many sources:from school,from parents,even from political figures re
63、ferring to“traditional values”.Hard work,family loyalty,and the capacity to postponedesires are core American values that have made our country great.(Para.3)But the opposite message,advertisings permissive message,is inescapable.Though sometimes disguised,the messages are everywhere we look:on TV,i
64、n movies,on printed media and road signs,in stores,and on busses,trains and subways.Advertisements invade our daily lives.We are constantly surrounded by the message to spend,spend,spend.Someone recently said,“The only time you can escape advertising is when youre in your bed asleep!”(Para.4)Read th
65、e sample comparison/contrast essay and see how it develops with the subject-by-subject pattern.Topic:Thrift people vs.lavish peopleIntroduction:Thesis statement:Its always interestingto compare two groups of people wholive in entirely different lifestyles.to be continuedto be continuedBody:Subject A
66、: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 want;Never conserve electricity;Often eat at fancy restaurants.to be continuedto be continuedConclusion:People always have their own lifestyles;some are thriftier than others.to be continuedto be continuedSampleSample:Whileitisgoodtoenjoyspendingmoney,some people may prefer saving money forthe future.They are
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