1、FOREIGH LANGUAGE TEACHING AND RESEARCH PRESS AIR FORCE ENGINEERING UNIVERTISYSpend or save The students dilemmaTo buy, or not to buy. Thats a question.Useful Expressions 雙11 Double Eleventh Day 網絡購物狂歡節 online shopping carnival 剁手黨 hands-chopping people 刷爆信用卡 max out the credit card spend money like

2、water 揮金如土 big spender花錢大手大腳的人 Go on a shopping spree/binge 去瘋狂購物/去“掃貨” Money burns a hole in ones pocket.一有錢就想花。 月光族moonliteA 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. Joh

3、n Poole (English playwright)5UNIT 5UNITSpend or save The students dilemmaTo talk about moneyTo further understand the textTo apply the phrases and patternsTo master the essay writing skillASection Warming-up Activities Text Study Language Application SummaryASectionWarming-up Activities1. How to man

4、age 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; 2. What do college students spend their money on? Tuition and fees; Textbooks or other scho

5、ol supplies; Food and drink; Transportation in the form of bus or train tickets; Electronics, such as laptops and 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 s

6、ource of your daily expenses? From parents From student loan or subsidy From scholarship From part-time job Other (specify) _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 yuan3. Do you spend money based on your budget? Always Sometime

7、s Never4. What costs most of your money as a college student? Food, clothing and other necessities Books Entertainments Other (specify) _ 5. If you have extra money, do you prefer to save it or spend it immediately? Save it Spend itQuestions Previewing1. What does financial literacy refer to ?2. In

8、the United States , what does Student Financial Aid refer to?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 State

9、s , 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. Text StudyASection This is a _ and _ essay that depicts how the g

10、overnment 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 parisoncontrastparadoxencouragepersuade Because when the government encourages people to _ to get out of the recession, they a

11、lso 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 of

12、fers Another 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

13、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 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 consumer

14、s or valued customers manipulatedTwo 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

15、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 valuesinescapableinvadesati

16、sfy your desiresbuy it nowTwo 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. Yo

17、u 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 you

18、r desiresbuy it nowWHY?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 o

19、ne million.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)We want more things because we want to satisfy our material appetite. Most of us derive pleasure from treating

20、 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.Every day we get two sets of messages at odds with each other. The “_” message urges us to work hard an

21、d save, suspend our d e s i r e s , a n d a v o i d l u x u r i e s . T h e _ 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 int

22、o our consciousnessuprightconfusedWhy should students consider financial well-being as a key ingredient of university education? (Para. 7) Because money worries can make students feel terrible and hinder their ability to focus on their main goal: to successfully complete their education.What can stu

23、dents do to be financially healthy and have no money worries? (Para. 8)They can go to: financial literacy classes; schools financial aid office; seek input from parents or other adults; find a partner; ask for help An educated consumer and saverBalancespending and savingCaptain of your own shipA suc

24、cessful and productive directionWhat conclusion can you draw from the text? (Para. 9)Learn to Steer inBecomePart 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 catedmanage their finance

25、sWere 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

26、 encourage saving more.Example 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 charmi

27、ng tone, addressing us as valuable customers and encouraging us to resume spending.The “upright” message urges us to work hard and save, suspend our desires, avoid luxuries, and control our appetite for more than w e t r u l y n e e d . T h i s message comes to us from many sources such as school, p

28、arents, and even politicians. (Para. 3)The opposite permissive messages to spend are everywhere around us: on TV, road signs, etc. The essential message is c e m e n t e d i n t o o u r consciousness from ads: Its good to satisfy our desires; we deserve what we want and the best we want. (Paras. 4-5

29、)The 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,

30、dont fall into debt, and retain control over your own life.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, consult with som

31、eone 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 environment se

32、em 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 continuedcredit c

33、ard 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 contra

34、dictory but explicit messages?To be continuedvaluable resume spendingodds withuprightinescapable 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

35、 worries are extremely _ and _. So, how can you be a smart and educated consumer? material appetitepostpone financesstressfuldistractingTo 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 _ in

36、 the administration. Most i m p o r t a n t l y, d o n t l e t y o u r e g o _ and urgently get help. As you learn to balance spending and saving, you will have a successful and _ life.financial literacybudgetpartnerpleasureget in your wayproductive1. refer to 提到；談到2. no shortage of 不缺少；不缺乏3. derive

37、 sth. from sth. 得到，獲得 （優勢或 愉快的感受）4. take in 領會；理解；記住5. take stock (of sth.) （對形勢）作出估計 （判斷）6. on track 在（可能通向成功的） 軌跡上提到；談到提到；談到(mention / refer to ) Although she didnt mention any names, everyone knew who she was referring to. refer to 短語逆譯短語應用盡管她沒有提任何人的名字，但大家都知道她指的是誰。意群提示不缺少；不缺乏不缺少；不缺乏(go ahead with

38、 / project/ no shortage of )You may go ahead with the project; there is no shortage of funds. no shortage of短語逆譯短語應用你們可以繼續進行這個項目，資金并不缺乏。意群提示得到，獲得得到，獲得 （優勢（優勢或愉快的感受）或愉快的感受）(derive from/satisfaction/introduction)Many students derived enormous satisfaction from the introduction to art course. derive st

39、h. from sth.短語逆譯短語應用許多學生從這門藝術入門課程中得到了巨大的滿足。意群提示領會；理解；記住領會；理解；記住It was an interesting exhibition, but there was too much to take in all at once.take in短語逆譯短語應用這是一個有趣的展覽，但要一下子記住所有的東西太多了。意群提示(exhibition / all at once/take in ) （對形勢）作出估計（判斷）（對形勢）作出估計（判斷）(take stock of / position/circumstance/situation)

40、We had to take stock of our position before we could decide what to do next. take stock (of sth.) 短語逆譯短語應用我們在決定下一步做什么以前，必須對我們的處境作出判斷。意群提示在（可能通向成功的）在（可能通向成功的）軌跡上軌跡上(run/ according to/ on track ) Everything is running according to our plan, so were still on track for 10% growth. 短語逆譯短語應用一切都在按照我們的計劃進行，

41、所以我們仍有可能達到10%的增長率。意群提示on track1. Heres another familiar example:用于列舉“人們熟知的事例”。2. Its been calculated that用于引出“有說服力的數據”。 3. As sb. learn to do sth., sb. will do sth.用于表達“某人學會某事就會有所收獲”。這里還有一個大家熟悉的例子：如果我們不按時支付信用卡賬單，我們會收到從信用卡公司發來類似這樣的令人討厭的催繳賬單的電子郵件原句譯文原句譯文逆譯練習逆譯練習Heres another familiar example: If we do

42、nt pay our credit card bill on time, we get demanding, nasty emails from the credit card company saying something like句型提煉句型提煉Heres another familiar example: 句型提煉句型提煉應用提示應用提示用于列舉“人們熟知的事例”。句型句型應用應用(gourmet/ be sold on / Peking Duck) 典型例句這里還有一個大家熟悉例子: “ 西方美食家已對北京烤鴨極有興趣. ” 意群提示Here is another familiar

43、example : “ Western gourmets are sold on Peking Duck. ” 據計算，普通的美國人到18歲時，會看過60萬個廣告。 原句譯文原句譯文逆譯練習逆譯練習Its been calculated that by the age of 18, the average American will have seen 600,000 ads.句型提煉句型提煉Its been calculated that句型提煉句型提煉應用提示應用提示用于引出“有說服力的數據”。 句型應用句型應用(calculate/ population / double ) 典型例句據

44、計算，世界人口在本世紀末將要增加一倍。意群提示Its been calculated that the worlds population will double by the end of the century. 學會了如何平衡支出和儲蓄，你就會成為你自己的船長，駕駛著你的生活之帆，乘風破浪，駛向成功和富饒。原句譯文原句譯文逆譯練習逆譯練習As you learn to balance spending and saving, you will become the captain of your own ship, steering your life in a successful a

45、nd productive direction through the choppy waters.句型提煉句型提煉As sb. learn to do sth., sb.will do sth.句型提煉句型提煉應用提示應用提示用于表達“某人學會某事就會有所收獲”。句型應用句型應用(dive / appreciate/ magnetism/ to your heart content)典型例句學會了潛水就會見到海下的美麗景色，盡情領略大海的魅力。意群提示As you learn to dive, you will see the beautiful view under the sea, ap

46、preciating the magnetism of the sea to your heart content. 1. 提供較高的利率2. 支付信用卡賬單3. 彼此相左的信息4. 傳統價值觀5. 美國價值觀的核心6. 廣告浸入日常生活7. 據計算8. 盡最大努力9. 凝聚在我們的意識里10. 滿足你的愿望offer higher interest ratespay credit card billmessages at odds with each othertraditional valuescore American valuesadvertisements invade daily

47、livesits been calculated thatdo ones utmostcement into our consciousnesssatisfy your desires 11. 矛盾但很明確的信息 12. 滿足我們的物質欲望 13. 掂量自己的生活 14. 教育中一個關鍵因素 15.專注首要目標 16. 金融掃盲班 17. 建立一個預算方案 18. 平衡支出和儲蓄contradictory but explicit messagesfinancial literacy classsatisfy our material appetitetake stock of your li

48、fea key ingredient of educationfocus on prime objectiveset up a budgetbalance spending and saving用于列舉用于列舉“人們熟知的人們熟知的事例事例”。 用于引出用于引出“有說服力的有說服力的 數據數據”。 用于表達用于表達“某人學會某某人學會某 事就會有所收獲事就會有所收獲”。 Heres another familiar example: Its been calculated thatAs sb. learn to do sth., sb. will do sth. 艱苦創業，忠于家庭，能推遲欲望

49、是美國價值觀的核心，它使我們的國家變得強大。 a. Hard work, family loyalty, and the capacity to postpone desires are core American values that have made our country great. (Para. 3, L6)我愛自己。我是自己的好朋友。我只做讓我感覺舒服的事。我從精美的東西里得到樂趣，并感覺它們給我滋養。我 過去做事常延遲購買, 但再也不會了。 b. I love me. Im a good friend to myself. I do what makes me feel go

50、od. I derive pleasure from nice things and feel nourished by them. I used to put things off. Not anymore. (Para. 5, L8)“當心，要掂量掂量自己的生活，不要讓注意力分散。推遲欲望。不要陷入債務。要等待！保留對自己生活的控制權。這樣你會更堅強?！?c. Watch out, take stock of your life, dont let your attention get scattered. Postpone your desires. Dont fall into deb

51、t. Wait! Retain control over your own life. It will make you stronger. (Para. 6, L5)學會了如何平衡支出和儲蓄，你就會成為你自己的船長，駕駛著你的生活之帆，乘風破浪，駛向成功和富饒。 d. Most importantly, if you find yourself getting into financial trouble, dont let your ego get in your way; urgently get help with tackling your problem before it spi

52、ns out of control and lands you in legal troubles. (Para. 8, L6)1What are some of the effective techniques used to promote the selling of various products?2Do you prefer to spend or save? Why?3How do you know whether youre overspending or not? Offer discount prices； Send giveaways； Associate with ne

53、w technologies like Internet marketing；Compare with other merchandises.1. What are some of the effective techniques used to promote the selling of various products?2. Do you prefer to spend or save? Why? I will spend because life is so short and I dont want to be thrifty or spend money carefully, wh

54、ich will drive me crazy. I only know I should enjoy my life while Im still young and healthy. I will save because with the worsening economic situation everywhere, I dont know what could happen to me in the future. To be responsible for myself, I have to save some money for the future. When I dont h

55、ave much pocket money with me. When I want to buy something inexpensive but I cant afford it. When I dont have money to hang out with my friends and classmates. When I see many things I dont need surrounding me. 3. How do you know whether youre overspending or not?Learn a comparison / contrast essay

56、 To start with, if you have two items to compare or contrast, the first step is to figure out how they are similar and how they are different. if you are comparing or contrasting two professors, you might do so on these points: homework assignment, type of exam, class organization, grading system an

57、d style of teaching. The chart below illustrates how you can list your points:to be continuedhomework assignmentassignment due for every classhardly anytype of examessaymultiple choices and essayclass organizationwell organizedfree and easygrading system50% quiz, 50% essay exam100% essay examstyle o

58、f teachinglectureclass discussion, Q & A sectionto be continuedLearn a comparison / contrast essay The next step is to study your list and decide whether to write about similarities or differences, or both. It is usually best to concentrate on one or the other. If you see that there are more similar

59、ities on the list, you might need to omit differences, or vice versa. The way to organize your points in your essay is either point-by-point or subject-by-subject. Please take a look at the chart below to see how you can organize the detailswith this pattern :to be continuedto be continuedSubject-by

60、-subject Professor AA Homework assignmentB Class organizationC Style of teaching Professor BA Homework assignmentB Class organizationC Style of teachingLets look at Paragraphs 3 & 4 of Text A to see how comparison and contrast method is used to develop ideas:The paradox is that every day we get two