Unit+3+Loans+for+the+Dream.docx
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Unit+3+Loans+for+the+Dream.docx
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Unit+3+Loans+for+the+Dream
Unit3LoansfortheDream
Wheredoesallyourmoneygoinyourfamily?
Thishassomethingtodowithexpenditure.Acompanyalsohasitsexpenditure.Whatdoyouthinkaresomeoftheitemsacompanymustspendmoneyon?
depreciation:
fallinginvalue
overdraft:
asumlentbyabanktoapersonwhohasoverdrawn
collateral:
valuablepropertypromisedtoalenderifoneisunabletorepayadebt
lifepolicy:
anassuraneetobepaidafterthedeathoftheperson
deed:
alegaldocumentthatisanofficialrecordofanagreementorofficialproofthat
A.Thefollowingwordsandphraseswillappearinthisunit.Listencarefullyandstudythedefinitions.
1.
2.
3.
4.
5.
someoneownslandorabuilding
6.securities:
investmentinacompanyoringovernmentdebtwhichcanbetradedonthefinancialmarketsandwhichproducesanincomefortheinvestor
7.balanee:
theamountofmoneyyouhaveinabankaccount,ortheamountofsomethingthatyouhaveleftafteryouhavespentoruseduptherest
8.duedate:
thedateonwhichsomethingisexpectedtohappen,especiallythedateonwhichasumofmoneyisexpectedtobepaid
9.economicbubble:
aphenomenonineconomicsinwhichtoomuchloosecashfindsitswayintoanareaofthemarket,resultinginabuyingfrenzythatleadstowildlyinflatedprices.Economicactivityinthoseareasaffectedisnotsustainableinthelongrun,solargenumbersof
lateinvestorseventuallygobankrupt.
10.finance:
providethemoneyneededforsomethingtohappen
11.dime:
anAmericanorCanadiancoinwhichhasthevalueoftencents
B.Listentothefollowingdialogues.Completetheexercises.
Dialogueone:
Ticktheexpenditureitemsmentionedbythespeaker.
Items
Theatreandotherartsevents
Stocksandshares
AntiquesV
Cars
Items
Charities
EatingoutV
Hobbies(DIY,sailing,etc.)V
FoodandgroceriesV
Dialoguetwo:
CompIetethechart.Usetickstoindicatewhethertheexpendituresonthoseitemsareup,downorthesameaslastyear.Supplythefiguresmentioned.
Items
Same
Up
Down
Figures
Entertainment
V
2,566
Depreciation
V
300
Secretarialexpenses
V
...
Motorexpenses
V
2.612
Audit&
accountancycosts
V
Telephone&
postage
V
Halfasmuchaslastyear
Audioscript:
Dialogueone:
B:
rdlikethat.Iwantedtoaskyouaboutholidays.Doyouusuallygoabroadorstayinthiscountry?
A:
Weusuallystayhere.Lnfact,wespendverylittleonholidays.Wehaveasmallhouseneartheseaandweusuallygothere.That'swhereIdomysailing.Wedidgoawayforaweeklastyear,butthatwasexceptional.
Dialoguetwo:
A:
B:
A:
B:
A:
B:
A:
Youaskedmewhereallthemoneygoes.It'sdifficulttosayexacdy,butobviouslywespendalotofmoneyongroceries.Ienjoycooking,andaswehavealargefamily—fourchildren—ourfoodbillisquitebig.Wcalsolikeeatingout—mywifeandIprobablygoouttoarestaurantaboutonceaweek.Unfortunately,therearenotheatresroundhere,sowedon'tgotothetheatreasmuchaswe'dlike.Butwedospendmoneyonourhobbies.Ilikedoingjobsaroundthehouse—rmoneofthelocalDIYcenter'sbestcustomers—andrmverykeenonsailing—that'saveryexpensivehobby.I'malsoveryinterestedinantiques,especiallyclocks.Youmustletmeshowyoumycollectiononeday...
Sohowmuchdidwespendonentertainmentthisyear?
2,566.
That'sdownalittleonlastyear.Andwhat'sthefigurefordepreciation?
300,thesameaslastyear.
Hm,expenditureonsecretarialexpensesisup.
Yes,there'sabigincreasethere.
What'sthefigureof2,612for?
Where'sthat?
Sixfiguresdown.
That'smotorexpenses.
Andwhatdoesthisfigurerepresent?
Auditandaccountancycosts.
They'rebothupalot.
Yes,butexpenditureontelephoneandpostageisdown.It'shalfasmuchaslastyear.
PartIIRaisingmoneyforbuyingacar
Owningacarisperhapsadreamformanypeople.However,buyingacarrequiresalotofmoney.
Howcanyourealizethatdream?
Turntothebankforhelp.
A.Listentothedialogue.Takenotes.Thencompietethesummary.
Summary:
Mr.Jacksonworksinthecollegewithagoodsalary.Ashisoldcaristoooldtobeworthrepairing,hewouldliketohaveanewerone.Sincehecangetaboutahundredpoundsfortheoldcar,hewantstoraisesomemoney,threehundredfiftytofourhundredoverdraft,fromthebank.
Thebankmanagersuggeststwokindsofloanswithdifferentinterestratesandconditions:
aPersonalLoanandanOrdinaryLoan.Mr.Jacksonisexpectedtorepaythemoneywithin24months.
B.Nowtrythis:
listentoamoreauthenticversionofthedialogue.Firstcompietethecharttoshowthedifferencesbetweenthetwoloans.ThentrytofindtheEnglishequivalentsoftheChineseexpressionslisted.
securitychargedtothebank
interestcharged
rate
interestratecalculatedon
personalloan
X
7%
theoriginalamounttaken
ordinaryloan
V
7.5%
aday-o-daybasis
1.
2.
3.
4.
5.
6.
7.
8.
9.
透支额(贷款)overdraft偿还repayment短期贷款short-termbasis付利息payintereston担保物collateral寿险lifepolicy房屋的房契deedsofthehouse政府证券governmentsecurity凭证certificate
10.按日计算onaday-to-daybasis
Audioscript:
J—Mr.JacksonB—BankManager
B:
Well,goodafternoon,Mr.Jackson.
J:
Goodafternoon.I'vecometoseeyoutoseewhetherit'spossibleto...getanoverdraft.I'm...Iwantsomemoney.[Yes]riltellyouquitefranklywhatitis.I'mwantingtobuyanewcar.(Yes]Idon'tknowwhetherit'spossibletoraiseanymoneyfromthebankinthisway.B:
Er,Iseenoreasonwhynot.J:
「vegotanoldcar...B:
What'syourproposition?
J:
Well,I'vegotthisoldcarwhichisaneight-year-oldMorris1000,andIdon'tthinkthere'sanypointinhavingitrepairedanymorebecauseitjustisn'tworthit.IfeelthatIcouldprobablygetaboutahundredpoundsforitandthenthatmeansthatIwouldneedaboutanotherfourhundred-odd,threehundredandfifty...[MhmJer,ontopofthat,tobuya,a,notanewcarexactly,butanewerone.[Mhm]Urn,...
B:
Doyouusethecarforyourbusiness,foryourwork?
J:
Er,yesIdo,uptoapoint.Thatistosay,sometimesItakeittoworkandsometimesIdon't,becauseI'malmostwithinwalkingdistanceoftheCollege.[Mhm]Doesthishavesomebearingonthe,onthequestionofwhetherIcangetanoverdraft?
B:
No,Idon'tthinkso.I,er,itwasjustamatterofinterestthatIaskedyou,really.Youthinkthreehundredandfifty?
J:
Iwouldsayaboutthreehundredandfiftytofourhundred.Withtheother,withtheother[Yes]hundredpoundsthenitwouldbeabout,er,fivehundredpounds;well,onecangetquiteadecentcarforfivehundredpounds[Quite]—secondhand,ofcourse.
B:
Quite.Andwhatsortofperiodoftimecouldyourepayus?
J:
Well,erm,thisratherdependsonyou.Um,Iwouldliketo...I,er,whatisthenormalprocedureforsuchasumofmoney?
B:
Well,forsuchasumofmoneywecould(would)expectrepaymentwithin24months.
J:
Twoyears?
B:
Twoyears.
J:
Isee.
B:
Wearelendersintheshortterm,remember,notlongterm.
J:
Yes.Er,isthere...Doyou,doIpayinterestonthis?
B:
Youwillpayintereston—well,thetypeofloanIhaveinmindisaPersonalLoan,asIassumeyou'vegotnoformofcollateraltooffer.
J:
Whatis—whatiscollateral?
B:
Well,haveyouanysharesinanycompaniesorlifepolicies,deedsofhouses,oranythinglikethat?
J:
IhavesomeGovernmentSecurities,is...wouldthisbe...sufficient?
B:
YouhavesomeGovernmentSecurities,andwhatistheirvalue?
J:
Er,it'sabout...
B:
Haveyougotthecertificates?
J:
...eighthundredpoundsorso.
B:
Abouteighthundredpounds?
J:
Yes,butIdon'twantto...
B:
Youdon'twant...
J:
...cashthem.
B:
No.No,wellyouwouldn't...thatwouldn'tinvolveyouincashingthem.
IcouldgrantyouanOrdinaryLoanwheretheinteresttoyouwouldbelessthanonaPersonalLoan,ifyouwerewillingtochargethatShareCertificatetous.
J:
Yes.Isee,um,er,isit,isitpossibletoer...what's...that,thatwouldbetheonlysecuritywhichyouwouldneed,infact?
B:
Ishouldn'tneedanyothersecurity,otherthanthat...[Isee]notonaloan,notonaloanofthatsize.OrifyouwouldagreetodoitonaPersonalLoanbasiswhich[cough]Iwouldnotrequireanysecuritywhatever,asonaPersonalLoanwehavedeathcoverandyouareinregularemployment,er,in,er,good-sala-riedemployment,withawithagood,withagoodsalary,thereforeIwouldnotaskyouforerm,anysecurity.[Yes.Yes.]Buttheinterestratewouldbe
higherthanonanOrdinaryLoan.[Yes]IshouldchargeyousevenpercentonaPersonalLoanandthat'sontheoriginalamounttaken,whereasonanOrdinaryLoanitwouldbeatoneandahalfpercentoverBankRate,minimumsixpercent,andthatwouldbecalculatedona,onaday-to-daybasis,soitdocsinfactworkoutcheaper.
J:
Isee.Yes.
PartIIICreditcards
Creditcardshavetakenanimportantroleinourlife.Cardholdersuseittobuygoodsandthentoreceiveastatementeverymonth.However,usingacreditcardcanbeveryexpensive.Doyouknowwhy?
A.Listentoamini-lectureaboutcreditcardsgivenbyYoungAmericanBank.CompIetetheoutline.
Outline
I.
II.
Theimportaneeofcreditcards
Nature
A:
“charge-”payingatalaterdate
III.
B:
“limit”
Thepotentialdisadvantages—expensive
A:
easytomakelotsofpurchasesoncard
B:
likelytopayatremendousamountofinterest
IV
Thebenefit
A:
i
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