Unit+3+Loans+for+the+Dream培训讲学Word文档下载推荐.docx

Unit+3+Loans+for+the+Dream培训讲学Word文档下载推荐.docx

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theamountofmoneyyouhaveinabankaccount,ortheamountofsomethingthatyouhaveleftafteryouhavespentoruseduptherest

8.duedate:

thedateonwhichsomethingisexpectedtohappen,especiallythedateonwhichasumofmoneyisexpectedtobepaid

9.economicbubble:

aphenomenonineconomicsinwhichtoomuchloosecashfindsitswayintoanareaofthemarket,resultinginabuyingfrenzythatleadstowildlyinflatedprices.Economicactivityinthoseareasaffectedisnotsustainableinthelongrun,solargenumbersoflateinvestorseventuallygobankrupt.

10.finance:

providethemoneyneededforsomethingtohappen

11.dime:

anAmericanorCanadiancoinwhichhasthevalueoftencents

B.Listentothefollowingdialogues.Completetheexercises.

Dialogueone:

Ticktheexpenditureitemsmentionedbythespeaker.

ItemsItems

CharitiesTheatreandotherartsevents

Eatingout√Stocksandshares

Hobbies（DIY,sailing,etc.）√Antiques√

Foodandgroceries√Cars

Dialoguetwo:

Completethechart.Usetickstoindicatewhethertheexpendituresonthoseitemsareup,downorthesameaslastyear.Supplythefiguresmentioned.

Items

Same

Up

Down

Figures

Entertainment

√

2,566

Depreciation

√

300

Secretarialexpenses

...

Motorexpenses

2.612

Audit&

accountancycosts

Telephone&

postage

Halfasmuchaslastyear

Audioscript:

A:

Youaskedmewhereallthemoneygoes.It'

sdifficulttosayexacdy,butobviouslywespendalotofmoneyongroceries.Ienjoycooking,andaswehavealargefamily—fourchildren—ourfoodbillisquitebig.Wcalsolikeeatingout—mywifeandIprobablygoouttoarestaurantaboutonceaweek.Unfortunately,therearenotheatresroundhere,sowedon'

tgotothetheatreasmuchaswe'

dlike.Butwedospendmoneyonourhobbies.Ilikedoingjobsaroundthehouse—I'

moneofthelocalDIYcenter'

sbestcustomers—andI'

mverykeenonsailing—that'

saveryexpensivehobby.I'

malsoveryinterestedinantiques,especiallyclocks.Youmustletmeshowyoumycollectiononeday...

B:

I'

dlikethat.Iwantedtoaskyouaboutholidays.Doyouusuallygoabroadorstayinthiscountry?

A:

Weusuallystayhere.Lnfact,wespendverylittleonholidays.Wehaveasmallhouseneartheseaandweusuallygothere.That'

swhereIdomysailing.Wedidgoawayforaweeklastyear,butthatwasexceptional.

Sohowmuchdidwespendonentertainmentthisyear?

2,566.

That'

sdownalittleonlastyear.Andwhat'

sthefigurefordepreciation?

300,thesameaslastyear.

Hm,expenditureonsecretarialexpensesisup.

Yes,there'

sabigincreasethere.

What'

sthefigureof2,612for?

Where'

sthat?

Sixfiguresdown.

smotorexpenses.

Andwhatdoesthisfigurerepresent?

Auditandaccountancycosts.

They'

rebothupalot.

Yes,butexpenditureontelephoneandpostageisdown.It'

shalfasmuchaslastyear.

PartIIRaisingmoneyforbuyingacar

Owningacarisperhapsadreamformanypeople.However,buyingacarrequiresalotofmoney.Howcanyourealizethatdream?

Turntothebankforhelp.

A.Listentothedialogue.Takenotes.Thencompletethesummary.

Summary:

Mr.Jacksonworksinthecollegewithagoodsalary.Ashisoldcaristoooldtobeworthrepairing,hewouldliketohaveanewerone.Sincehecangetaboutahundredpoundsfortheoldcar,hewantstoraisesomemoney,threehundredfiftytofourhundredoverdraft,fromthebank.

Thebankmanagersuggeststwokindsofloanswithdifferentinterestratesandconditions:

aPersonalLoanandanOrdinaryLoan.Mr.Jacksonisexpectedtorepaythemoneywithin24months.

B.Nowtrythis:

listentoamoreauthenticversionofthedialogue.Firstcompletethecharttoshowthedifferencesbetweenthetwoloans.ThentrytofindtheEnglishequivalentsoftheChineseexpressionslisted.

securitychargedtothebank

interestratecharged

interestratecalculatedon

personalloan

×

7%

theoriginalamounttaken

ordinaryloan

7.5%

aday–to-daybasis

1.透支额（贷款）overdraft

2.偿还repayment

3.短期贷款short-termbasis

4.付利息payintereston

5.担保物collateral

6.寿险lifepolicy

7.房屋的房契deedsofthehouse

8.政府证券governmentsecurity

9.凭证certificate

10.按日计算onaday-to-daybasis

J—Mr.JacksonB—BankManager

Well,goodafternoon,Mr.Jackson.

J:

Goodafternoon.I'

vecometoseeyoutoseewhetherit'

spossibleto...getanoverdraft.I'

m...Iwantsomemoney.[Yes]I'

lltellyouquitefranklywhatitis.I'

mwantingtobuyanewcar.（Yes]Idon'

tknowwhetherit'

spossibletoraiseanymoneyfromthebankinthisway.B:

Er,Iseenoreasonwhynot.J:

vegotanoldcar...B:

syourproposition?

Well,I'

vegotthisoldcarwhichisaneight-year-oldMorris1000,andIdon'

tthinkthere'

sanypointinhavingitrepairedanymorebecauseitjustisn'

tworthit.IfeelthatIcouldprobablygetaboutahundredpoundsforitandthenthatmeansthatIwouldneedaboutanotherfourhundred-odd,threehundredandfifty...[MhmJer,ontopofthat,tobuya,a,notanewcarexactly,butanewerone.[Mhm]Urn,...

Doyouusethecarforyourbusiness,foryourwork?

Er,yesIdo,uptoapoint.Thatistosay,sometimesItakeittoworkandsometimesIdon'

t,becauseI'

malmostwithinwalkingdistanceoftheCollege.[Mhm]Doesthishavesomebearingonthe,onthequestionofwhetherIcangetanoverdraft?

No,Idon'

tthinkso.I,er,itwasjustamatterofinterestthatIaskedyou,really.Youthinkthreehundredandfifty?

Iwouldsayaboutthreehundredandfiftytofourhundred.Withtheother,withtheother[Yes]hundredpoundsthenitwouldbeabout,er,fivehundredpounds;

well,onecangetquiteadecentcarforfivehundredpounds[Quite]—secondhand,ofcourse.

Quite.Andwhatsortofperiodoftimecouldyourepayus?

Well,erm,thisratherdependsonyou.Um,Iwouldliketo...I,er,whatisthenormalprocedureforsuchasumofmoney?

Well,forsuchasumofmoneywecould（would）expectrepaymentwithin24months.

Twoyears?

Twoyears.

Isee.

Wearelendersintheshortterm,remember,notlongterm.

Yes.Er,isthere...Doyou,doIpayinterestonthis?

Youwillpayintereston—well,thetypeofloanIhaveinmindisaPersonalLoan,asIassumeyou'

vegotnoformofcollateraltooffer.

Whatis—whatiscollateral?

Well,haveyouanysharesinanycompaniesorlifepolicies,deedsofhouses,oranythinglikethat?

IhavesomeGovernmentSecurities,is...wouldthisbe...sufficient?

YouhavesomeGovernmentSecurities,andwhatistheirvalue?

Er,it'

sabout...

Haveyougotthecertificates?

...eighthundredpoundsorso.

Abouteighthundredpounds?

Yes,butIdon'

twantto...

Youdon'

twant...

...cashthem.

No.No,wellyouwouldn'

t...thatwouldn'

tinvolveyouincashingthem.

IcouldgrantyouanOrdinaryLoanwheretheinteresttoyouwouldbelessthanonaPersonalLoan,ifyouwerewillingtochargethatShareCertificatetous.

Yes.Isee,um,er,isit,isitpossibletoer...what'

s...that,thatwouldbetheonlysecuritywhichyouwouldneed,infact?

Ishouldn'

tneedanyothersecurity,otherthanthat...[Isee]notonaloan,notonaloanofthatsize.OrifyouwouldagreetodoitonaPersonalLoanbasiswhich[cough]Iwouldnotrequireanysecuritywhatever,asonaPersonalLoanwehavedeathcoverandyouareinregularemployment,er,in,er,good-sala-riedemployment,withawithagood,withagoodsalary,thereforeIwouldnotaskyouforerm,anysecurity.[Yes.Yes.]ButtheinterestratewouldbehigherthanonanOrdinaryLoan.[Yes]IshouldchargeyousevenpercentonaPersonalLoanandthat'

sontheoriginalamounttaken,whereasonanOrdinaryLoanitwouldbeatoneandahalfpercentoverBankRate,minimumsixpercent,andthatwouldbecalculatedona,onaday-to-daybasis,soitdocsinfactworkoutcheaper.

Isee.Yes.

PartIIICreditcards

Creditcardshavetakenanimportantroleinourlife.Cardholdersuseittobuygoodsandthentoreceiveastatementeverymonth.However,usingacreditcardcanbeveryexpensive.Doyouknowwhy?

A.Listentoamini-lectureaboutcreditcardsgivenbyYoungAmericanBank.Completetheoutline.

Outline

I.Theimportanceofcreditcards

II.Nature

“charge”----payingatalaterdate

“limit”

III.Thepotentialdisadvantages—expensive

easytomakelotsofpurchasesoncard

likelytopayatremendousamountofinterest

IVThebenefit

indispensableinlife

helpfulforemergencies

C:

goodfortravel

D:

insuringpurchase

listentoa