新视野大学英语第三版第二册第五单元ection-A.ppt

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 Poole(English playwright)25UNITThe money gameSectionA 25The money gameUNITSpendorsaveThestudentsdilemmaObjectivesObjectivesTotalkaboutmoneyTofurtherunderstandthetextToapplythephrasesandpatternsTomastertheessaywritingskillContentsASection Warming-upActivitiesTextStudyLanguageApplicationSummarySpend or 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?Createastrictbudgetandcommittostickingwithit;Prioritizeonesfinancesbyidentifyingtheareasinwhichoneneedtospendmoney;Remembertosave;Avoidcreditcards;2.Whatdocollegestudentsspendtheirmoneyon?Tuitionandfees;Textbooksorotherschoolsupplies;Foodanddrink;Transportationintheformofbusortraintickets;Electronics,suchaslaptopsandsmartphones;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.Howmuchareyourmonthlyexpenses?500yuanorless501-800yuan801-1,000yuan1,001-1,500yuanOver1,500yuan3.Doyouspendmoneybasedonyourbudget?AlwaysSometimesNever4.Whatcostsmostofyourmoneyasacollegestudent?Food,clothingandothernecessitiesBooksEntertainmentsOther(specify)_5.Ifyouhaveextramoney,doyouprefertosaveitorspenditimmediately?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 moneymarketsandfillinthemissinginformation.To be continueddominantcommercialListen to a short passage concerning moneymarketsandfillinthemissinginformation.Othermoney market instruments theyare not large in-volume of standing areimportant in _ market andrepresent invest mental ternaries formoney market _.It is aclosedsubstituteabilityofmarketinstruments,it _ all the moneymarkets.To be continuedrespectiveparticipantslinksdistinctivedealersandbrokersListen to a short passage concerning moneymarketsandfillinthemissinginformation.Themoneymarketconsistofcollectionof markets each trading at _financial instrument.There is no formalorganizationsuchasTheNewYorkStockExchange for the equity markets.Centralactivity to the money market are the_whospecializingoneormoremoneymarketinstruments.To be continuedDealersDealersbuybuysecuritiessecuritiesforforthetheownown_andandsellsellfromfromthethesecuritysecurityinventersinventers whenwhen thethe tradestrades _._.BrokersBrokers dodo notnot actuallyactually buybuy oror sellsell securities,securities,andandtheytheyonlyonlyaccentuateaccentuatethethe_transactionstransactions atat thethe bestbest possiblepossible price.price.TheirTheirprofitsprofits comescomes fromfrom commissionscommissions chargedcharged forforthatservices.thatservices.positiontakeplaceclientListen to a short passage concerning moneymarketsandfillinthemissinginformation.QuestionsPreviewing1.Whatdoesfinancialliteracyreferto?2.IntheUnitedStates,whatdoesStudentFinancialAidreferto?TipsTipsTipsTipsTipsTipsTipsTips1.Whatdoesfinancialliteracyreferto?Theabilitytounderstandfinancialmatters;Thesetofskillsandknowledge;Allowsanindividualtomakeinformedandeffectivedecisionsthroughunderstandingoffinances.2.IntheUnitedStates,whatdoesStudentFinancialAidreferto?Thefundingintendedtohelpstudentspayeducation expenses including tuition andfees,roomandboard,booksandsupplies,etc.foreducationatacollege,university,orprivateschool.Main Idea&StructureMain Idea&StructureLanguage FocusLanguage FocusCritical ThinkingCritical ThinkingTextStudyASectionSpend or save Spend or save The students dilemma The students dilemmaTipsTipsTipsTipsBecausewhenthegovernmentencouragespeople to_ toget out oftherecession,theyalsoadvicepeopleto_.Similarly,when banks offerhigher _ to increase savingstheysend_toletpeoplespendmore.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:“Yourfailuretopayisunacceptable.Payimmediately or youll be introuble!”we get an email in acharming tone telling ushowvaluableacustomerweareandencouragingustoresumespending.We are confused and _ bytwo contradictory messages that we getfromourenvironment.Thegovernmenttellsus to _.And credit cardcompanyalsosentuscontradictorymessage:_?PartI(Paras.1-_)2spendandatthesametimetheytellsustosavemoreArewefailingconsumersorvaluedcustomersmanipulatedTwosetsofmessages(Paras.3-5)“Upright”message,which urges us,“Work hardandsave._.Avoidluxuries._ for more than youtrulyneed.”Thismessagecomestousfrom_,from_,even from politicalfiguresreferringto“_”.“Permissive”message,“Buy,spend,get it now.You need this!”,is_.Advertisements_ourdailylives.Theessentialmessage is cemented into our consciousness,“Its good to_.Youshouldhavewhatyouwant.Youdeservethebest.So,youshould_!”SuspendyourdesiresControlyourappetiteschoolparentstraditionalvaluesinescapableinvadesatisfyyourdesiresbuyitnowTwosetsofmessages(Paras.3-5)“Upright”message,which urges us,“Work hardandsave._.Avoidluxuries._ for more than youtrulyneed.”Thismessagecomestousfrom_,from_,even from politicalfiguresreferringto“_”.“Permissive”message,“Buy,spend,get it now.You need this!”,is_.Advertisements_ourdailylives.Theessentialmessage is cemented into our consciousness,“Its good to_.Youshouldhavewhatyouwant.Youdeservethebest.So,youshould_!”SuspendyourdesiresControlyourappetiteschoolparentstraditionalvaluesinescapableinvadesatisfyyourdesiresbuyitnowWHY?Hard work,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 average 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 our 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 other.The“_”messageurgesustoworkhardandsave,suspendourdesires,andavoidluxuries.The_urgeustospend.the essential message from ads is anyhow_already.Aspsychologicalandsocialconsequences,peopleget _ with the two contradictorymessages.PartII(Paras.3-_)6permissiveadvertisementscementedintoourconsciousnessuprightconfusedWhyshouldstudentsconsiderfinancialwell-beingasakeyingredientofuniversityeducation?(Para.7)TipsTipsTipsTipsBecausemoneyworriescanmakestudentsfeelterribleandhindertheirabilitytofocuson their main goal:to successfullycompletetheireducation.Whatcanstudentsdotobefinanciallyhealthyandhavenomoneyworries?(Para.8)TipsTipsTipsTipsTheycangoto:financialliteracyclasses;schoolsfinancialaidoffice;seekinputfromparentsorotheradults;findapartner;askforhelpAneducatedconsumerandsaverBalancespendingandsavingCaptainofyourownshipSuccessfulandproductivedirectionWhatconclusioncanyoudrawfromthetext?(Para.9)LearntoSteerinBecomePartIIIParas.7-9Students should learn how to become asmartand_consumerandhowtosuccessfully_,whichwill help them gain a successful andproductionlife.educatedmanagetheirfinancesIntroduction(Paras.1-2)Introduction(Paras.1-2)Wereconfusedandmanipulatedbytwocontradictorymessages-spendorsave?(Para.1)The government tells us tospendmoretohelpendtherecession.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)Introduction(Paras.1-2)Introduction(Paras.1-2)If we dont pay our creditcard bill,we get nastyemails saying:“Your failuretopayisunacceptable.Payimmediatelyoryouwillbeintrouble!”Assoonaswepay,wegetan email in a charmingtone,addressingusasvaluablecustomersandencouraging us to resumespending.Body:paradoxofthetwosetsofmessages(Paras.3-6)Body:paradoxofthetwosetsofmessages(Paras.3-6)The“upright”messageurgesustoworkhardandsave,suspendourdesires,avoid luxuries,and controlour appetite 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 whatwe 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,postponeyourdesires,dont fall into debt,andretain control over yourownlife.Body:paradoxofthetwosetsofmessages(Paras.3-6)Body:paradoxofthetwosetsofmessages(Paras.3-6)Conclusion(Paras.7-9)Conclusion(Paras.7-9)Itisimportanttolearnhowtobalancespendingandsavingtomakeyourlifebetter.(Para.9)Successfullymanageyourfinancessothatyoucanfocusonyourprimarygoal.(Para.7)Advice:attend financial literacy classes,consult withsomeonetohelpsetupabudget,findapartnertostayontrack and get pleasure from administrating your ownfinancial affairs.Most importantly,seek help before yourfinancialproblembecomesworse.(Para.8)SpendorsavethestudentsdilemmaIthinkthatthemessageswegetfromourenvironment seem to defy _andcontradicteachother.Thegovernmenttellsustospendandalsoto_more.Banksofferhigherinterestratessowecanincreasesavingsandalsosendus_offerssowecanspendmore.Ifwedontpayourcreditcardbillontime,thecommonsensesavecreditcardTo be continuedcreditcardcompanywillwarnus.Assoonas we pay,the company will tell us how_acustomerweareandencourageusto_.Wegettwo sets of messages at _ eachother.Oneisthe“permissive”perspective-advertisingspermissivemessageis_;The other is“_”message.What happens as we take in thesecontradictorybutexplicitmessages?To be continuedvaluableresumespendingoddswithuprightinescapableOn one hand,we want more thingsbecausewewanttosatisfyour_.On the other hand,wehopeto_ourdesires.Anyway,many of the skills you needasasuccessfulstudentcanbeappliedto your _.Money worries areextremely _ and _.So,how can you be a smart andeducatedconsumer?materialappetitepostponefinancesstressfuldistractingTo be continuedConsider_classesorschools financial aid office or seek input insettingupa_.Youcanalsofindinga_ tohelp you stayon trackand find_intheadministration.Mostimportantly,dontletyourego_andurgentlygethelp.As you learn to balance spending andsaving,you will have a successful and_life.financialliteracybudgetpartnerpleasuregetinyourwayproductivePracticalPhrasesPracticalPhrasesSpecificSpecificMeaningsMeanings1.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,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/introduction)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句译文逆译练习逆译练习Heresanotherfamiliarexample:Ifwedontpayourcreditcardbillontime,wegetdemanding,nastyemailsfromthecreditcardcompanysayingsomethinglike句型提炼句型提炼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”。句型句型应用应用(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 another 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.句型提炼句型提炼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”。句型应用句型应用(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 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 asuccessfulandproductivedirectionthroughthechoppywaters.句型提炼句型提炼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”。句型应用句型应用(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Asyoulearntodive,youwillseethebeautifulviewunderthesea,appreciatingthemagnetismoftheseatoyourheartcontent.艰苦创业，忠于家庭，能推迟欲望是美国价值观的核心，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 nourished 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