B4U3Money mattersteachersbook2.docx

B4U3Money mattersteachersbook2.docx

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B4U3Moneymattersteachersbook2

教师用书

Unit3MoneyMatters

PartICommunicationSkills

Task1Warmup

Teachingtips:

Encourageyourstudentstospeakouttalkaboutwhattheyhavealreadyknownaboutwaysinofdoingbankingbusinessandinquireingaboutprices.Drawyourstudent’sattentionsonhowtobudgetmoneyandsharetheirviewpointsonsomemoneyrelatedtopics.

Task2Listening

Exercise1

Culturetips

Debitcard:

alsoknownasabankcardorcheckcard,isaplasticcardthatprovidesanalternativepaymentmethodtocashwhenmakingpurchases.Functionally,itcanbecalledanelectroniccheck,asthefundsarewithdrawndirectlyfromeitherthebankaccount,orfromtheremainingbalanceonthecard.

Creditcard:

asmallplasticcardissuedtousersofasystemofpayment.Itallowsitsholdertobuygoodsandservicesbasedontheholder’spromisetopayforthesegoodsandservices.Theissuerofthecardgrantsalineofcredittotheconsumer（ortheuser）fromwhichtheusercanborrowmoneyforpaymenttoamerchantorasacashadvancetotheuser.

Checkingaccount:

currentaccountorcheque/checkaccount,isadepositaccountheldatabankorotherfinancialinstitution,forthepurposeofsecurelyandquicklyprovidingfrequentaccesstofundsondemand,throughavarietyofdifferentchannels.Becausemoneyisavailableondemandtheseaccountsarealsoreferredtoasdemandaccountsordemanddepositaccounts.

Keys

Seetheaudioscript

Audioscript:

（无音频，需录制）

Assistant:

Hello,Goodmorning/goodafternoon.IsthereanythingIcandoforyou?

Customer:

Yes,please.I’dliketoopenabankaccount.

Assistant:

Wouldyoulikeittobeasavingsaccountortheacheckingaccount?

Customer:

Iamnotsure,whatisthedifferencebetweenthem?

Assistant:

Well,asavingsaccountpaysinterestonyourmoney,buttherearesomerestrictions.

Customer:

Whataretheserestrictions?

Assistant:

You’llhavetoputinaminimumof500dollars,ifyouhavelessthan500dollarsinyoursavingsaccount,wewillchargeyoua10ten-dollarsmonthlyfee,alsoyouarepermittedtowriteonlytwowithdrawalslipspermonthtowithdrawmoneyfromthesavingsaccount.

Customer:

Thenwhataboutacheckingaccount?

Assistant:

AcheckingaccountallowsyoutowriteunlimitednumberofchecksoryoumaywithdrawyourmoneythroughATMs,.Yyoualsomustpayfortheprintingofthechecks,that’sallandincludedwithyourcheckingaccountisadebitcardthatyoucanuseliketheacreditcard,.Ttheinterestpaidformoneyinourcheckingaccountsislow,butourbankonlyrequiresaminimumbalanceofonly100dollarsbalanceandacheckingaccount.[neededseveralsentencestocommunicatethisidea]

Customer:

SoIcanwritecheckstopayallkindsofbills.

Assistant:

Thatisright.Youcanpayforyourpurchasesbywritingchecksorusingyourcheckingaccountdebitcardaslongasyoudon’toverdrawyouraccount.

Customer:

Thatsoundsgood,IthinkIwillopenacheckingaccount.Thankyouforyourhelp

Assistant:

You’reYouarewelcome,.Iwillhandlethisforyou.

Exercise2

Teachingtips:

Drawyourstudents’attentiontothewaysinwhichtheycanpracticetheirbankingvocabularyskillstodealwithbankingbusinessesintheaudioexercises,andencourageyourstudentstousethesesentencestopracticetheircommunicationaliveabilitiesintalkingaboutbankingbusinesses.

UsefulExpressions

Thefollowingpartschartcontainsaresomecommonly-usedexpressionsdealingwithmonetymatters.Repeatthemandrole-playwithyourpartner.

Dealingwithbanks

Dealingwithbanks

Iwanttodeposit300yuan/thesechecksinmyaccount.

Iwanttodepositmypaycheck.

I'dliketoknowwhetherIcancashacheckhere?

Willyoupleasecashthistraveler'scheck,forme?

I'dliketocashthismoneyorder.

Willyoupleasetellmewhetheryouchargeafeeforchecks?

Couldyoutellmewhatmybalanceis?

Couldyoutellmetheexchangeratebetween…today?

WhatifIoverdraw?

What'stheinterestrateforathesavingsaccount?

Doyoupayinterestonthisaccount?

Pleasetellmewhattheannualinterestrateis.

Pleasesignyournameonthebottomlineifyouwanttocashthecheck.

Pleaseendorsethecheck.

Inquiringaboutpriceandbargaining

Inquiringaboutprice

Howmuchisit?

Howmuchdoyouwantforthis?

Can'tyoujusttellmewhatitcosts?

Whatwillitcostme?

Ijustwanttoknowtheprice.

Icanseethatyouareasmartbuyer.Fourteenthousandismybestprice.

Thirteenthousandsevenhundredandfiftyismyfinaloffer.

Whatpricewouldbefairtoyou?

Bargaining

Hey,don'ttrytoripmeoff.Iknowwhatthisisworth.

Canyougivemealittlegooddealonthis?

Canyougivemethisforcheaper?

Ifyoudon'tgivemeabetterprice,Iwon'tbuythis.

Icangetthischeaperatotherplaces.

What'sthelowestyou'rewillingtogo?

Comeon,givemeabreakonthis.

[thosemarkedingreenwouldnotbesaidbynativespeakers]

Task3Speakingup

PairWork

Teachingtips:

Encourageyourstudentstousedifferentexpressionstoinquireaboutpricesandtobargainwhentheypracticeintheirdialogues.

（Open）

PartIITopic-relatedListeningandSpeaking

Task1

Pre-listeningactivity

1.（Open）

2.Reference:

First,it’ssaferthanleavingsomuchcashathome;

Second,youcanmanipulateyourspendinghabitsbyputtingmostoftheirmoneyinthebank;

Third,youcansavemoneyforyourfuturerequirementslikeretirement,buyingahouse,children'seducation,etc.

Fourth,Youcanearninterestoutofonyourmoneydepositedinthebankandhenceyoukeepmakingmoneyoutofthemoneyyouputinabank.

Exercise1

Key:

1.C2.B3.A4.C

Exercise2

Key:

1.negative;physicallyandemotionally

2.missingout;emotionorfeeling;budsup

3.restricting;abrainstateofscarcity;depressed

4.everythinginmoderation;Psychologists;emotionalcheckbook

OralPractice

PairWork

Teachingtips

Encourageyourstudentstothinkdeeplyabouthowasmuchmeansaspossibletobudgetandmanagetheirmoneyreasonably.

References:

Investingtheminacertainbusiness；

Buysharesofstock；

Buysomefinancialproducts

Purchasecertaininsurancespoliciesformyfamily;

Don’tputallyoureggsinonebasket.

Setaside20%ofmysalaryasmykids’educationfund

Audioscript:

（来源：

CNN）

IsItWiseToPutYourMoneyInBank?

Themessageiseverywhere.Ineedabanksuddenlyseemslikeabrilliantidea.

Save,save,save,inthesetoughtimes,that'sthemantrait'salwaysbeenagoodidea,butcanwetakefrugalitytoofar?

“Itisaverynegativestateofthemind,physicallyandemotionallyforyoutoconstantlybesayingnotoyourself.”Callitsaver’sremorse,moremoneyinthebank,butareyouanyhappier?

ColumbiaprofessorRanKivezwhoco-authorthestudyonthisverysubject,saysnotindulgingenoughcanhurtyouemotionally.

“Thisemotionthatwearefullmissingoutanlife,suchasmissingoutthepleasure,thatwearemissingsomebalance,thattypeofemotionorfeelingactuallypersistsovertimeandsometimesevenbudsup.”

Personalsavingjumpedfrom0.8%inAugustto5%inJanuary,andinsomecaseswearesavingwhenwedon'thaveto,sofocusedonthefuture,wearenotenjoyingthehereandnow.

“Whenyouarerestrictingwhatyoupurchaseandwhatyougiveyourself,youarelivinginabrainstateofscarcity,andthatmakespeopledepressed.”

Sowhat'stheanswer?

Continuetosave,butdon'tforgettotreatyourself,eveninarecession.

“Inthistougheconomy,peoplefeeloutofcontrol.Inadeeperlevel,buyingandindulgingincertainsmallpleasuresgivesyouasenseofcontrol.

Andsomepeoplesaylifeistooshorttohavesaver’sremorse“Ourfutureisn'tthatlong,Imean...Whydoyoualldothat?

”

Bottomline:

everythinginmoderation,spendalittle,savealittle.Psychologistssaybalanceyourcheckbook,butalsobalanceyouremotionalcheckbookthattheysaywillkeepyouhealthy.

AlinaCho,CNN,NewYork.

[theaboveseemstohaveseveralmisquotesinit]

Task2

Pre-listeningactivity

（Open）

Culturetips

12itemsorlesslane:

theexpresscheckoutlaneinsupermarketsisforsomeonebuying12orlessitemsiftheitemsyouhavepickedoutislessthan12.

Exercise1

Key:

1.AnewstudyintheJournalofMarketingshowsthatthehardershopperstrytokeeptrackofwhatthey’respending,theworsetheyactuallydo

2.Stickingtoabudgetiskey

3.Morethanhalfofthemtrytocrunchthenumberswithoutacalculatororevenapenandpaper.

4.Tocountwhat’sinyourcartandmultiplybyaguesstimateoftheaveragecostoftheitems

Exercise2

Key:

1.scanningyouritems

2.keepamentaltallyof

3.underestimatetheirtotalcost,

4.changeofatwenty

OralPractice

PairDiscussion

Reference：

Impulsebuyingisacommonphenomenon,particularlyamongwomen.Whenconfrontingarealbargain,fewcanstaycalmandsensible.Theyholditasaonceinalifetimechance.Inmostofthecases,thesepeoplecannotresistthetemptation;theyfeltanimpulseofpurchasing,althoughtheymaynotusetheitematall.Forthem,it’slikestealing.

Butforthosewhocanstaycalminfrontofitemsonsale,theabovementionedbehaviorisinsane.Theythinkit’sabsurdtobuysomethingyoudonotevenuse;theyholdthatratherthansavingmoney,thecustomersarewastingmoneybydoingso.

Audioscript:

（来源：

www.）

AttentionShoppers:

YouUnderestimatedYourBill

So,they’rescanningyouritemsatthegrocerystore,andwhenthelasttomatogetsbaggedyou’restunnedatthecost.Howdidyouspendsomuch?

Maybethosecherrieswere12bucksapound.Ormaybeyoushouldhavepaidmoreattentiontowhatyouputinthewago