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 ones
2、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 laptops a
3、nd 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-time job Other(sp
4、ecify)_,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 necessities Books Entertainments
5、 Other(specify)_,5.If you have extra money,do you prefer to save it 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 information.,The money market con
6、sist 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 continued,Dealers buy securities
7、 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 place,client,Listen to a short pas
8、sage 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 understanding of finances.,2.In the United Sta
9、tes,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 students dilemma,save more,interest rates,According t
10、o 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 demanding,nasty emails saying:“Your failure to pay is
11、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 environment.The government tells us to _ _.And credit car
12、d 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,Control your appetite,school,parents,traditional values,inescapable,
13、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 the capacity to postpone desires are core American values that have
14、 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 mil
15、lion.,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 at odds with each other.The“_”message urges us to work hard and save,suspend ou
16、r 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-_),6,permissive advertisements,cemented into our consciousness,upright,confused,Why should
17、 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,Balancespending and saving,Captain of your own ship,Successful and productive direction,What c
18、onclusion 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 successful and production life.,educated,manage their finances,Introduction(Paras.1-2),Were confused and
19、 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 the two sets of messages(Paras.3-6),The psychological and social consequences of the contradictory message(Para
20、.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),Successfully manage your finances so that you can focus on your primary goal.(Para.7),Advice:attend financial literacy classes,c
21、onsult 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),Spend or save the students dilemma I think that the messages we get from our env
22、ironment 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,the,common sense,save,credit card,To be contin
23、ued,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 other.One is the“permissive”perspective-advertisings permissive message is _;The other is“_”message.What happens as we take in these cont
24、radictory but explicit messages?,To be continued,valuable,resume spending,odds with,upright,inescapable,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 _.Mone
25、y worries are extremely _ and _.So,how can you be a smart and educated consumer?,material appetite,postpone,finances,stressful,distracting,To be continued,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 _
26、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 literacy,budget,partner,pleasure,get in your way,productive,提到；谈到,(mention/refer to),Although she didnt mention any names,ever
27、yone 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 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/introduct
28、ion),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
29、 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 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 tra
30、ck 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 li
31、ke,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
32、,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”。,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
33、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 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 see the bea
