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FOREIGH LANGUAGE TEACHING AND RESEARCH PRESS AIR FORCE ENGINEERING UNIVERTISY2Spend or save The students dilemmaUnit Unit 5 5 Section ASection A1/822/82To buy,or not to buy.Thats a question.3/82Useful Expressions双11 Double Eleventh Day网络购物狂欢节 online shopping carnival剁手党 hands-chopping people刷爆信用卡 max out the credit cardspend money like water 挥金如土big spender花钱大手大脚人Go on a shopping spree/binge 去疯狂购物/去“扫货”Money burns a hole in ones pocket.一有钱就想花。月光族moonlite4/82A man who both spends and saves money is the happiest man,because he has both enjoyments.Samuel Johnson(English writer)You must learn to save first and spend afterward.John Poole(English playwright)25UNITThe money game5/82Section A 25The money gameUNITSpend or save The students dilemmaObjectivesObjectivesTo talk about moneyTo further understand the textTo apply the phrases and patternsTo master the essay writing skill6/82ContentsASection Warming-up Activities Text Study Language Application SummarySpend or saveSpend or save The students dilemma The students dilemma7/82ASectionWarming-up ActivitiesLead-inLead-inPre-reading ActivitiesPre-reading ActivitiesCultural BackgroundCultural BackgroundSpend or save Spend or save The students dilemma The students dilemma8/821.How to manage money as a college student?Create a strict budget and commit to sticking with it;Prioritize ones finances by identifying the areas in which one need to spend money;Remember to save;Avoid credit cards;9/822.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 laptops and smart phones;Entertainment;10/82Read the following survey questions regarding spending habits of college students.Then check()all the responses that are true for you.11/821.Whats the main source of your daily expenses?From parents From student loan or subsidy From scholarship From part-time job Other(specify)_12/822.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 yuan13/823.Do you spend money based on your budget?Always Sometimes Never14/824.What costs most of your money as a college student?Food,clothing and other necessities Books Entertainments Other(specify)_ 15/825.If you have extra money,do you prefer to save it or spend it immediately?Save it Spend it16/82Questions Previewing1.What does financial literacy refer to?2.In the United States,what does Student Financial Aid refer to?TipsTipsTipsTipsTipsTipsTipsTips17/821.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 understanding of finances.18/822.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.19/82Main Idea&StructureMain Idea&StructureLanguage Language FocusFocusCritical Critical ThinkingThinking Text StudyASectionSpend or save Spend or save The students dilemma The students dilemma20/82 This is a _ and _ essay that depicts how the government and banks as well as commercial ads keep sending out a _ of two opposite messages every day:One is to _ people to spend money and the other is to _ people to save money.Main idea&structureMain idea&structurecomparisoncontrastparadoxencouragepersuade21/82Structure of the textStructure of the textMain idea&structureMain idea&structure22/82TipsTipsTipsTips Because when the government encourages people to _ to get out of the recession,they also advise people to_.Similarly,when banks offer higher _ to increase savings they send _ to let people spend more.save moreinterest ratesAccording to the writer,why do the messages we get from our environment seem to defy common sense and contradict each other?(Para.1)spend moneycredit card offers 23/82Another familiar example.(Para.2)Dont pay on timeAs soon as we payCredit Card Bill we get demanding,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.24/82We are confused and _ by two contradictory messages that we get from our environment.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 manipulated25/82Two sets of messages(Paras.3-5)“Upright”message,which urges us,“Work hard and save._.Avoid luxuries._ for more than you truly need.”This message comes to us from_,from_,even from political figures referring to“_”.“Permissive”message,“Buy,spend,get it now.You need this!”,is_.Advertisements _ our daily lives.The essential message is cemented into our consciousness,“Its good to _.You should have what you want.You deserve the best.So,you should _!”Suspend your desiresControl your appetite schoolparentstraditional valuesinescapableinvadesatisfy your desiresbuy it now26/82Two sets of messages(Paras.3-5)“Upright”message,which urges us,“Work hard and save._.Avoid luxuries._ for more than you truly need.”This message comes to us from_,from_,even from political figures referring to“_”.“Permissive”message,“Buy,spend,get it now.You need this!”,is_.Advertisements _ our daily lives.The essential message is cemented into our consciousness,“Its good to _.You should have what you want.You deserve the best.So,you should _!”Suspend your desiresControl your appetite schoolparentstraditional valuesinescapableinvadesatisfy your desiresbuy it nowWHY?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.27/82What 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)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.28/82Every day we get two sets of messages at 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-_)6permissive advertisements cemented into our consciousnessuprightconfused29/82Why should students consider financial well-being as a key ingredient of university education?(Para.7)TipsTipsTipsTips Because money worries can make students feel terrible and hinder their ability to focus on their main goal:to successfully complete their education.30/82What can students do to be financially healthy and have no money worries?(Para.8)TipsTipsTipsTipsThey can go to:financial literacy classes;schools financial aid office;seek input from parents or other adults;find a partner;ask for help 31/82An educated consumer and saverBalancespending and savingCaptain of your own shipA successful and productive directionWhat conclusion can you draw from the text?(Para.9)Learn to Steer inBecome32/82Part III Paras.7-9Students should learn how to become a smart and _ consumer and how to successfully _,which will help them gain a successful and productive life.educatedmanage their finances33/82Were confused and manipulated by two contradictory messages-spend or save?(Para.1)The government tells us to spend more to help end the recession.Banks send credit cards to encourage more spending.They also tell us to save more for our financial well-being.Banks offer higher interest rates to encourage saving more.34/82Example of contradictory messages:a failing consumer or a valued customer?(Para.2)If we dont pay our credit card bill,we get nasty emails saying:“Your failure to pay is unacceptable.Pay immediately or you will be in trouble!”As soon as we pay,we get an email in a charming tone,addressing us as valuable customers and encouraging us to resume spending.35/82The“upright”message urges us to work hard and save,suspend our desires,avoid luxuries,and control our appetite for more than we truly need.This message comes to us from many sources such as school,parents,and even politicians.(Para.3)The opposite permissive messages to spend are everywhere around us:on TV,road signs,etc.The essential message is cemented into our consciousness from ads:Its good to satisfy our desires;we deserve what we want and the best we want.(Paras.4-5)36/82The psychological and social consequences of the contradictory message(Para.6)On one hand,we always want more things because we want to satisfy our material appetite.Most of us derive pleasure from treating ourselves.On the other hand,a little voice warns us:watch out,postpone your desires,dont fall into debt,and retain control over your own life.37/82It is important to learn how to balance spending and saving to make your life better.(Para.9)Successfully 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 before your financial problem becomes worse.(Para.8)38/82Spend 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 also send us _ offers so we can spend more.If we dont pay our credit card bill on time,thecommon sensesavecredit cardTo be continuedTo be continued39/82credit 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 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 continuedTo be continuedvaluable resume spendingodds withuprightinescapable40/82 On one hand,we want more things because we want to 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 appetitepostpone financesstressfuldistractingTo be continuedTo be continued41/82 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 successful and _ life.financial literacybudgetpartnerpleasureget in your wayproductive42/82Practical PhrasesPractical Phrases Specific Specific Meanings Meanings1.refer to 提到；谈到2.no shortage of 不缺乏；不缺乏3.derive sth.from sth.得到，取得（优势或 愉快感受）4.take in 领会；了解；记住5.take stock(of sth.)（对形势）作出预计 （判断）6.on track 在（可能通向成功）轨迹上43/82提到；谈到提到；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名字，但大家都知道她指是谁。意群提醒44/82不缺乏；不缺乏不缺乏；不缺乏(go ahead with/project/no shortage of)You 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能够继续进行这个项目，资金并不缺乏。意群提醒45/82得到，取得得到，取得 （优势（优势或愉快感受）或愉快感受）(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了巨大满足。意群提醒46/82领会；了解；记住领会；了解；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展览，但要一下子记住全部东西太多了。意群提醒(exhibition/all at once/take in)47/82（对形势）作出预计（判断）（对形势）作出预计（判断）(take stock of/position/circumstance/situation)We had to take stock of our position before we could decide what to do next.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，必须对我们处境作出判断。意群提醒48/82在（可能通向成功）在（可能通向成功）轨迹上轨迹上(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计划进行，所以我们仍有可能到达10%增加率。意群提醒on track49/82 Functional Functional Patterns Patterns Functions&Usages Functions&Usages1.Heres another familiar example:用于列举“人们熟知事例”。2.Its been calculated that用于引出“有说服力数据”。3.As sb.learn to do sth.,sb.will do sth.用于表示“某人学会某事就会有所收获”。50/82这里还有一个大家熟悉例子：假如我们不按时支付信用卡账单，我们会收到从信用卡企业发来类似这么令人讨厌催缴账单电子邮件原句译文原句译文逆译练习逆译练习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句型提句型提炼51/82Heres another familiar example:句型提炼句型提炼应用提醒应用提醒用于列举“人们熟知事例”。句型句型应用用52/82(gourmet/be sold on/Peking Duck)经典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.”意群提醒Here is another familiar example:“Western gourmets are sold on Peking Duck.”53/82据计算，普通美国人到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Its been calculated that by the age of 18,the average American will have seen 600,000 ads.句型提句型提炼54/82Its been calculated that句型提炼句型提炼应用提醒应用提醒用于引出“有说服力数据”。句型句型应用用55/82(calculate/population/double)经典例句据计算，世界人口在本世纪末将要增加一倍。意群提醒Its been calculated that the worlds population will double by the end of the century.56/82学会了怎样平衡支出和储蓄，你就会成为你自己船长，驾驶着你生活之帆，乘风破浪，驶向成功和丰饶。原句译文原句译文逆译练习逆译练习As you learn to balance spending and saving,you will become the captain of your own ship,steering your life in a successful and productive direction through the choppy waters.句型提句型提炼57/82As sb.learn to do sth.,sb.will do sth.句型提炼句型提炼应用提醒应用提醒用于表示“某人学会某事就会有所收获”。句型句型应用用58/82(dive/appreciate/magnetism/to your heart content)经典例句学会了潜水就会见到海下漂亮景色，尽情领会大海魅力。意群提醒As you learn to dive,you will see the beautiful view under the sea,appreciating the magnetism of the sea to your heart content.59/821.提供提供较较高利率高利率2.支付信用卡账单3.彼此相左信息4.传统价值观5.美国价值观关键6.广告浸入日常生活7.据计算8.尽最大努力9.凝聚在我们意识里10.满足你愿望offer higher interest ratespay credit card billmessages at odds with each othertraditional valuescore American valuesadvertisements invade daily livesits been calculated thatdo ones utmostcement into our consciousnesssatisfy your desires60/82 11.矛盾但很明确信息矛盾但很明确信息 12.满足我们物质欲望 13.掂量自己生活 14.教育中一个关键原因 15.专注首要目标 16.金融扫盲班 17.建立一个预算方案 18.平衡支出和储蓄contradictory but explicit messagesfinancial literacy classsatisfy our material appetitetake stock of your lifea key ingredient of educationfocus on prime objecti
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