Unit 4 Money talks
The Integrated Course
4-1 Active reading 1
Pre-reading activity-1
01、It is a small plastic card from a bank which you can use instead of cash or a cheque to pay for things. It has your name on it, a unique number and an expiry date, and for security you also have a special number (a PIN or personal identification number) which you type into a machine when you use the card. 02、Anyone who is over a certain age, has a bank account, and has a guarantor, savings or a good balance in their bank account for a credit rating. 03、The main use is to pay for goods and services. 04、You can pay for goods and services without using cash or a cheque, which means you only need to carry one card around with you. 05、There are several dangers: If it is lost or stolen, it may be copied or used by someone who wants to commit fraud but you may have insurance against it or the bank may cover the costs.
Pre-reading activity-2
B
Txet
Vocabulary
Exercise-1
01、C 02、A 03、C 04、C 05、B 06、A
Exercise-2
01、indispensable 02、transactions 03、complaints 04、publicity 05、exclusive 06、contented 07、notify 08、omit
Exercise-3
01、economical 02、desirable 03、lure 04、liable 05、distinctive 06、correspondence 07、restraint 08、wicked
Exercise-4
01、lay out 02、go from bad to worse 03、in full 04、sort out 05、put down
Exercise-5
01、B 02、B 03、A 04、A 05、A 06、A
4-2 Active reading 2
Pre-reading activity-1
01、 I would spend most of it on food, I think. I could never seem to get enough to eat at that age. I ate a lot of sweets and pastries and knew all the best food shops in the neighbourhood. My pocket money would be all spent on books, as I was a complete bookworm. Other kids might buy toys and snacks, but all I wanted to do was escape into a book!
02、I guess the writer got the birthday present she wanted, for we can see that although they weren't wealthy (My easy-going father always looked unnaturally sombre when he was doing the bills.), she found a way to make some money (I worked out that if I found a job, something like a paper round, delivering early morning newspapers in the neighbourhood, I'd help pay some of the bills ). In this way, she could buy the present herself.
Txet
Vocabulary
Exercise-1
01、B 02、A 03、A 04、B 05、B 06、A 07、A 08、A 09、A
Exercise-2
01、A 02、C 03、C 04、D 05、D 06、D
Exercise-3
01、predicted 02、ascertaining 03、enlightening 04、tremendously 05、creased
Exercise-4
01、expenditure 02、savings 03、precarious 04、healthcare 05、harmonious 06、doubtless 07、crucial
Exercise-5
01、amiable 02、compassionate 03、alienating 04、respect 05、exceedingly 06、reckoned
4-3 Language in use
Grammar&structure-1-1
01、bus 02、text 03、party 04、cash 05、hand 06、gift 07、bank
Grammar&structure-1-2
01、cash 02、gift 03、bussed 04、text 05、handed 06、bank 07、partying
Grammar&structure-2
01、The trains are liable to delay on Sunday evenings. (There are staffing problems at weekends, especially on Sunday evenings.) The trains are subject to delays on Sunday evenings. (There are particular regulations about Sunday travel.)
02、Zak is a child who is prone to accidents. (It is not his fault, he just seems accident-prone.) Zak is a child who is liable to have accidents. (He is careless and just doesn't listen to advice about safety.)
03、She is prone to headaches. (She has to see a doctor to see if there is a medical reason, but we don't know the cause yet.)
04、The loan is subject to a check on your financial situation. (This is a legal requirement or a company regulation.)
05、Joe is liable to arrive late. (That's Joe for you; you know him never even tries to arrive on time!)
06、She is liable to break the rules in order to get what she wants. (She doesn't care about rules and she is rather selfish and ambitious.)
Grammar&structure-3
01、She was kind of / sort of unaware of what it meant to be unhappy.
02、It was kind of / sort of the wrong time to ask her father for a puppy.
03、She was kind of / sort of unsure about the details of her father's childhood but she had a vivid imagination. She was unsure about the details of her father's childhood but she kind of / sort of had a vivid imagination. She was kind of / sort of unsure about the details of her father's childhood but she kind of / sort of had a vivid imagination.
04、After a few years he became kind of / sort of well known as one of the few black actors in England. After a few years he kind of / sort of became well known as one of the few black actors in England.
05、She suddenly became kind of / sort of worried that she might have to leave her school. She suddenly kind of / sort of became worried that she might have to leave her school.
06、After a while she kind of / sort of knew what it would take to look after the puppy.
Collocatios-1
01、pay off 02、debts 03、steady job 04、smart decision / smart move 05、tremendous effort 06、prediction was confirmed 07、smart technology 08、current trend 09、tremendous success 10、smart clothes
Translatio-1
01、车库甩卖（在美国也称院子甩卖）是指人们出售不再需要的家居物品的非正式活动，比如家具、衣物、书籍、玩具等。出售地点通常是在家中，但出于隐私考虑，也为了更方便买家，物品会摆放在车库中或院子里。因为是非正式的，车库甩卖绝大部分是不受政府管制的，所以卖货者无须获取营业执照，也不用收消费税，只有一些地区需要一个许可证。车库甩卖通常会吸引大批的当地居民，因为他们有可能淘到物美价廉的用品。正因为如此，卖家需要在甩卖当天做好早起的准备，来应对许多早早前来搜罗便宜货、大买一番的买主。
Translatio-2
01、In recent years, with the development of the market economy in China, the level of development of our socio-cultural enterprises, as well as our science and technology and our productivity, has greatly increased, thus strengthening overall national power. The market economy also plays an enormous role in improving people's living standards and in fulfilling the goal of common prosperity. Compared with the early days of reform and opening up, substantial changes have taken place in Chinese people's spending habits and lifestyles, with consumption of basic food and clothing transformed gradually to consumption for pleasure, ushering in the consumption era. In turn, the pursuit of material wealth has also contributedtremendously to economic and social development.
4-4 Reading across cultures
Text
Vocabulary
Exercise-1
01、A single currency, the euro, was introduced. This marked the beginning of the European Union.
02、Denmark and the UK decided against it.
03、It took ten years: It was decided in 1992 and the first euros were used in 2002.
04、There were two main purposes: to create the conditions for macroeconomic stability and to make life easier for travelling within Europe.
05、The euro has stabilized as an international currency and has grown in strength against other currencies. Also it has been adopted by most of the 28 member states of the European Union.
06、Their problem was how to represent a shared cultural heritage in a continent which has a lot of linguistic and cultural diversity.
07、One side has a symbol of the country (a particular symbol of the country which issued the coin), the other side has a symbol of the European Union (a map of Europe).
08、Euro banknotes illustrate gateways and windows and bridges, designed to show major architectural periods.
Exercise-2
01、On recent coins, the one jiao coin has a Chinese orchid or lily (lan hua), the five jiao coin has a lotus (he hua) and the one yuan coin has a chrysanthemum (ju hua).
02、Each flower has some symbolic meaning, but there may be different interpretations. The orchid is a symbol of purity, grace, harmony and loyalty to the country. The lotus comes from the mud but is pure and upright, so it is a symbol of purity and beauty. The chrysanthemum is a flower of autumn, the soul of a cold autumn. It symbolizes long life and duration.
03、The fifth series has six different banknotes and they all show Mao Zedong on the front. The one-yuan note shows an orchid (lan hua) and on the reverse side three pools which mirror the moon at the West Lake (三潭印月). The five-yuan note shows a narcissus (shui xian) and on the reverse side Mount Tai in Shandong Province. The ten-yuan note has a Chinese rose (yue ji) and the reverse side shows the kui men (夔门) on the Yangtze River. Then there's the 20-yuan note with a lotus (he hua) and on the reverse side the Lijiang River and scenery of Guilin. The 50-yuan note has a chrysanthemum (ju hua) and the reverse side shows the Potala Palace (布达拉宫) in Lhasa in the Tibet Autonomous Region. Finally, the 100-yuan note shows a Chinese plum (mei hua) and on the reverse the Great Hall of the People at Tian'anmen Square in Beijing. Older notes have some other designs; some show ethnic minorities.
04、The orchid is a symbol of purity, grace, harmony and loyalty. The narcissus blooms around the New Year and is a symbol of good luck. The Chinese rose is a symbol of youth, the lotus of purity and beauty, the chrysanthemum of long life, and the Chinese plum of perseverance and good luck. The scenes on the reverse of the notes are all famous places in China, well-known scenic spots or places of interest.
05、It's interesting that the world's first coins and the first paper money were developed in China. Cowry shells were used about 3,000 to 4,500 years ago and bronze coins began to be used in the Shang Dynasty (1600 BC1046 BC). They were made by pouring molten bronze into moulds and had different shapes: Some coins were spade-shaped, others were bell-shaped or knife-shaped. The flat surfaces were decorated with Chinese characters. The first emperor, Emperor Qin, introduced a round coin with a square hole in the middle, which allowed coins to be strung together. This became a national currency and the shape was used for 2,000 years. Then later in the 9th century paper money was developed in China. Merchants in the Song Dynasty used promissory notes known as "flying money" (feiqian) and in the Song, Yuan and early Ming dynasties, paper money was common. However, because of inflation this paper money was later abolished and not revived until the 19th century. Meanwhile, copper coins and silver taels were used. The modern currency, Renminbi has been used since 1948. There were notes with different designs in different editions and the fifth edition came out in 1999.
4-5 Guided writing
Writing skills
Writing task-1
01、B 02、C 03、C 04、C 05、A 06、A 07、B
Writing task-2
01、making detailed budgets and keeping to them
02、always put some money aside at the beginning of the month
03、save a little whenever you can
04、looked online to compare interest rates for savings accounts
05、don't be afraid to ask someone experienced for their advice, or to look online for help
06、forget to read all the terms and conditions before you sign anything concerning money.
Writing task-3
01、When I started college, I managed my personal finances by making detailed budgets and keeping to them. In order to have enough money, I always put some money aside at the beginning of the month it's probably a good idea to save a little whenever you can. Sure, there are exceptions. On one occasion, I looked online to compare interest rates for savings accounts, and decided to make some other investments rather than save them that month. Besides the above experience, if you ask me, I really think there are some other ways that can help you manage your money. First of all, when it comes to looking after your personal finances, don't be afraid to ask someone experienced for their advice or to look online for help. Above all, don't forget to read all the terms and conditions before you sign anything concerning money. All these are my own experiences and advice, but if you want more advice later, you can get it by phoning the advice line at your bank and they will be happy to help you.
Writing task-4
01、When it comes to looking after one's personal finances, there are a number of points you should bear in mind if you don't want to have any unpleasant surprises later. First of all, you should avoid getting loans unless you know you can pay them back. Of course, you could take out a loan to cover the debt, but in view of the previous problem I don't think you should do that. Why not? Well, because if you get into further trouble, you'll need another loan to pay the first loan which was supposed to pay the debt, and all the loans will involve paying interest, so it will accumulate. You're better off getting a job and using the money to pay the debt. Secondly, when you are short of money, never borrow from a friend because it will ruin your friendship. I've borrowed quite a lot of money from a friend to pay the rent before, and it's not ended well. Money is hard to earn, but very easy to borrow. When it comes to money, it's always better to earn it than to get it any other way. Last but not least, you should be very cautious about using a credit card. There are a number of security precautions that you should take. On the one hand, before you sign any agreement, you should always read all of the terms and conditions carefully. There are lots of them and they're very boring, but it's essential that you know what you're getting yourself into. It's definitely a good idea to ask the bank staff lots of questions too, such as, "What happens if I miss a repayment?" On the other hand, make realistic budgets and follow them. Don't use the card without writing down the amount and keep looking at your record to see if you are approaching the credit limit. Whatever happens, don't exceed this limit because the bank will charge you interest.
4-6 Unit test
4-6 Unit test
1)breed 2)overseas 3)enlighten 4)crucial 5)indispensable 6)tremendous 7)reckon 8)pathetic 9)notify 10)scheme 11)B 12)A 13)C 14)B 15)B 16)D 17)C 18)A 19)D 20)D 21)down 22)out 23)from 24)to / towards 25)by 26)in 27)out 28)on 29)into 30)behind 31)wicked 32)desirable 33)devastating 34)abject 35)greed 36)jealous 37)prone 38)naturally 39)yearn 40)unrealistic 41)D 42)D 43)D 44)A 45)D
Further practice
4-7 Vocabulary
Exercise-1
01、notification 02、restrain 03、restrained 04、harmonize 05、harmony 06、omission 07、assumption 08、assumable 09、reduction 10、reducible 11、respect 12、respectful 13、doubt 14、doubtless 15、adoption 16、adoptable
Exercise-2
01、respectful 02、assumption 03、Notification 04、omission 05、adoption 06、harmony 07、restrain 08、reduction 09、doubtful
Exercise-3
01、take 02、for granted 03、there and then 04、looked after 05、for a rainy day 06、In due time 07、by any means
Exercise-4
01、flashy 02、shiny 03、endless 04、unrealistic 05、desirable 06、exclusive 07、married 08、compassionate
Exercise-5
01、delayed 02、chairs 03、protesting 04、access 05、risked 06、rented 07、focus 08、target
Exercise-6
01、in full 02、falling behind with 03、charge 04、getting into debt 05、limit 06、gone over 07、rates 08、earned 09、pay off
Exercise-7
01、B 02、A 03、A 04、C 05、B 06、B
4-8 Structure
Exercise-1
01、Because I need to lose weight, I try to eat sugar-free foods.
02、More and more towns and cities are creating car-free zones.
03、A lot of people manage their gas and electricity accounts online and these accounts are paper-free.
04、When I inherited some money from my aunt, I invested half of it in a tax-free financial product.
05、Alcohol-free wine is becoming more popular because when driving people have to be careful not to go above the alcohol limit.
Exercise-2
01、Do you think it's true that people who have credit cards are liable to get into debt?
02、After retiring from his job, my father became much more prone to get ill.
03、I have a friend whose husband puts his pay cheque in her account as he is liable to be extravagant.
04、I asked for a pay rise, but it is subject to my employer's decision.
05、When I started going out with my new boyfriend, a friend warned me that he was prone to get jealous.
06、The arrival of the plane on time is subject to the weather.
4-9 Reading
Reading1-1
01、B 02、D 03、C 04、D 05、C
Reading1-2
01、A 02、B 03、B 04、A 05、A 06、B 07、A 08、B
Reading2-1
01、B,C
Reading2-2
01、G 02、D 03、E 04、B 05、F 06、A 07、H 08、C
4-10 Integrated skills training
Exercise-1
01、what 02、liable 03、debt 04、comes 05、attitude 06、where 07、something 08、encouraged 09、cope
Exercise-2
01、While it is universally agreed that it's essential to save money for your retirement, having a family to support means it can be very hard to do so.
02、The Leonards are a delightful couple whose clever management of their finances means they have been able to pay off their mortgage and retire early.
03、By adopting the euro, European governments have made life easier for their citizens who can now travel from one country to another, and not have to change currencies.
04、Although at one stage it looked likely that the euro was going to have a great many problems, it turned out to be much more successful than had been predicted.
05、The inability to restrain yourself from being extravagant when you're young and single means that you're likely to have big problems managing money when you are older.
Exercise-3
01、It's often been observed that people who have the same amount of money tend to socialize together since it can be embarrassing to have friends who don't have as much money as you, and consequently have to keep refusing social invitations because they are unable to afford to go out.
02、When a friend of my parents got married, her husband omitted to tell her that he had huge business debts which he was unable to pay off, and that as a result, he would be forced to sell the beautiful house they had only just bought.
03、Most students are used to having enough money for food, rent and books and not much else, and if their families are unable to help them financially they often have to take a part-time job in order to support themselves.
04、After discussing their finances with a financial adviser, the couple agreed they would reduce the amount that they spent on clothes and entertainment, and would invest the money they saved in a fund that their adviser recommended.
05、When I discovered I had gone into the red on my bank account and that the bank had not only lowered my overdraft limit, but had then charged interest without telling me, I threatened to make a formal complaint.
Exercise-4
01、理财教育去年被纳入英格兰的国家课程，使英格兰与英国其他地方的教育相一致。英国人认为中、小学生需要具备在社会上处理财务的能力，包括像付房租和管理助学贷款这样的事情。既然孩子已经长大，能够理解金钱的重要性，就有必要让他们对信用与借贷有基本的了解。家长对孩子未来的理财能力也感到担忧。他们认为理财教育应该被纳为国家教育课程的一部分，甚至认为它比地理课还重要。但是超过一半的孩子更愿意从父母那里学习有关金钱的知识。家长需要特别注意的是，他们自己对金钱的感受会对孩子的金钱观和花钱习惯产生很大的影响。在家里谈钱是行之有效的方法，可以让孩子开始了解妥善理财的重要性。零花钱是一个很好的工具，家长可以用来教孩子挣钱和攒钱这一基本的生活技能。
Exercise-5
01、With the development of the Internet, online shopping has become incredibly popular in China and a preferred way of shopping, especially for young people. The "Double 11" Online Shopping Festival, which has emerged in recent years, provides a new opportunity for online retailers to prosper. The "Double 11" Online Shopping Festival originated in the massive online discount promotion by Taobao on 11 November 2009. Although the number of online businesses participating in it and the promotions were limited, the business turnover was far more than expected. The day was then set by online retailers as a yearly event for a massive sales promotion. Widely welcomed by online retailers and consumers, the "Double 11" is of great significance in boosting consumption and fuelling domestic demand.
