listenthisway4答案.docx
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listenthisway4答案
listen-this-way-4答案
Unit1ShoppingandBankingOnline
Part1Gettingready
B:
dropshoppingmousefeetretailing
streetgetdonethird-partyonline
30%mailsBritaingift-buying50%netperiod
C:
MajorpointsDetails
1.thesite
2.merchant
3.Addresses/phonenumber/callup
4.Strictsafetymeasures
Part2Netshoppingunderfire
A.deliverydelivery
deliverycharges
personalinformation87%
returninggoods47%
order35%dispatch87%
moneybacktwo
B．Summary:
conveniencechoiceobstaclescompletetrust
buildconsumers’trustmaturepaymentservice
Part3Bankingathome
A:
Outline
1.C:
limitedopeninghours
2.Onlinebankingservices
D:
gettingcurrentinformationonproducts
F:
e-mailingquestionstothebank
3. A:
competingforcustomers
4. A:
havingnocomputerathome
B:
1.ItisbankingthroughtheInternet.
2.“Onlinebanking”offersconveniencewhichappealstothekindofcustomerbankswanttokeep.
3.Banksmostwanttokeeppeoplewhoareyoung,well-educated,andhavegoodincomes.
Part4Moreaboutthetopic
Unit3“Planting”Money
Part1Gettingready
B:
这部分没有给答案
C．
ToneAgree?
SincereDoubtful Sarcastic Skeptical SurprisedEmphatic Y N
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Part2Nationalteachchildrentosaveday
A:
Time:
Thursday,April17
Purpose:
teachingchildrenhowtosavemoney
Wayofteaching:
2500bankersmaking5000presentations
B:
1.Makingsavingsvisibleandreal:
buildingupsavingsinapiggybank/openingchildren’sownbanksavingsaccount.
2.Encouragingchildrentosaveasmuchastheycan:
putting25centsawayforeverydollarthechildrenearn
3.Afirststeptowardlearningtobudget:
givingchildrenanallowanceandpartofitgoing
intotheirownsavings.
4.Makingsavingsandinvestingfun:
givingchildrenplaymoneyto“invest”instockstheycantrackinlocalnewspapers
Part3Creditcards
A:
Outline
1.Theimportanceofcreditcards
2.Nature
A.“charge”—payingatalaterdate
B:
“limit”
3.Thepotentialdisadvantages—expensive
A.easytomakelotsofpurchasesoncard
B.likelytopayatremendousamountofinterest
4.Thebenefits
B.helpfulforemergencies
C.goodfortravel
Part4Moreaboutthetopic
A:
Exercise1
ColumnA ColumnB
1. 3
2 1
3 2
Exercise2:
Answerthefollowingtwoquestions.
1.“Spendingpriorities”referstothefollowingsituation:
Americansarespendingsomuchoftheirincomeoneverlargerhousesandcarsthattheycan’taffordtospendonsocialprogramsorinfrastructurerepairs.
2.Bydoingso,onewouldfeelhappier,wouldhavefewerdisputesofworkandlowerlevelsofstresshormonesintheirblood.Onegetssicklessoftenanddiesatanolderage.
B:
Summary:
Mr.Cox,thevicepresidentoftheFederalReserveBankofDallas,…,ofMythsofRichandPoor,seesthepositivesidetotheincreasedprosperityof…Americansarebetteroffthantheywere30yearsago.Here…:
Technological…createdhundredsofgadgetsthat…botheasierandmorepleasurable,forexample,cellularandcordlessphones,computers,answeringmachines,andmicrowaveovens;
Today…about3/4havewashingmachines,halfhaveclothesdryers,97%havecolortelevisions,3/4haveVCRs,2/3havemicrowavesandairconditioners,3/4owntheirownautomobile,40%owntheirownhome,halfhavestereosystems.
Part5Doyouknow…?
A.Tokyo,Osaka,Oslo,Zurich.HongKong,Copenhagen,Geneva,Paris,Reykjavik,London
B.1.TheeurohasappreciatedagainsttheUSdollar.
2.Persistenteconomicturmoil.
3.Tehran.
4.TheEconomistteamcheckspricesofawiderangeofitems—frombreadandmilktocarsandutilities—tocompilethisreport.
5.Businessclientsuseittocalculatetheamountofallowancesgrantedtooverseasexecutiveandtheirfamilies.
Unit4LoansfortheDream
Part1Gettingready
B:
DialogueOne.
Items Items
Eatingout√
Hobbies√Antiques√
Foodandgroceries√
DialogueTwo:
ItemsSameUpdownfigures
Entertainment √2566
Depreciation√
Secretarialexpenses √
…
Motorexpenses √ 2612
Audit&accountancycosts √
Telephone&postage √
Part2Raisingmoneyforbuyingacar
A:
Summary
Mr.Jackson…inthecollege…As…worthrepairing,he….Since…aboutahundredpoundsfor…,…,threehundredfiftytofourhundred….
Thebank…differentinterestratesandconditions:
aPersonalLoanandanOrdinaryLoan.Mr.Jacksonisexpectedtorepaythemoneywith24months.
B.
Securitycharge…InterestratechargedInterestrate…
PersonalLoan×7%
OrdinaryLoan√7.5%（1.5%+6%）Aday-to-daybasis
1.透支额（贷款）overdraft
2.偿还repay
3.短期贷款（业务）lendersintheshortterm
4.付利息payintereston
5.担保物collateral
6.寿险lifepolicy
7.房屋的房契deedsofthehouses
8.政府证券GovernmentSecurities
9.凭证certificate
10.按日计算onaday-to-daybasis
Part3HousingintheU.S.A.
A. Outline
1.A.costofhousing
1.1/4-1/3ofafamily’sincome
2.dependingonsizeandlocation
B.waytobuyahouse—mortgage
2.B.easytogetthingsrepaired
3.Buying…
1.mortgage:
…
2.condominium:
…
B.1.HomebuyerborrowsmoneyfromBanksellsmortgagestoFannieMaesellssharesandmortgage-basedsecuritiestoInvestors
2.TheycontrolabouthalfthehomeloansinAmerica.
3.Hidingchangesinitsvalue,poorsupervisionandnotcarefullyreportingitsfinances.
4.ThestockpriceofFannieMaehasdropped.
Part4Moreaboutthetopic
A:
1.a.merchantablequality
b.fittingforparticularpurpose/seller
c.asdescribed
2.no/retailer’sresponsibility/taketoshop
3.item/toolarge/fragile
4.evidenceofpurchase/dateofpurchase
5.gotocourt/suetheseller
B.1.F 2.T 3.F 4.F
Part5Doyouknow…?
B:
Chart1Developmentoftheideaofnationaltaxes
Time/Number Events
April15th thelastdaytopayfederaltaxes
1791 taxonwhiskeyandotheralcoholicdrink,farmersrefused
1794 GeorgeWashington,13000troops,defeatedtheWhiskeyRebellion
Thelate1800s people’spaytaxedbyCongress,butrejectedbytheSupremeCourt
1913 The16thAmendmentpassed,legalforCongresstotaxincome
Morethan$312000taxedat35%,highestrate
Lessthan$7000 noincometax
Chart2Compositionoffederalmoneyin2002
7%—incometaxonbusinesses
Over40—personalincometax
Below18%—othertaxes,includingcustoms
35%—taxesforretirementprogramsandotherservices
Unit5BriefingonTaxationandInsurancePolicies
Part1Gettingready
B.
SentencesKeywordsAnswers
a8000/half4000
b2000/twice4000
c2000/double～4000
d8000/aquarter≤2000
e4000/similar～4000
C.
Dialogueone
1.￡30000 24%2.overdraft 3.sailing
Dialoguetwo
1.Abrandnewvideowasstolen.
2.Yes.Thespeakerpaidthepremiumlastweek.
Dialoguethree
SimilaritiesDifferences
ManAManB
a.
b.Amortgagetopay
c.Sameincome
a.
b.Neversavingmoney
c.Spendingmoreonentertaininga.Investingfarmoreinpensionschemes.
b.Spendingmoreoninsurance
Part2Briefingonpersonaltaxation
A.Outline
1.Structureofpersonaltaxation
A.rates
1.lowerrate:
upto￡23700:
25%
2.higherrate:
above￡23700:
40%
B.allowances
1.singleperson:
￡3295
2.marriedperson:
￡5015
3.pension:
maximum17.5%to40%
4.mortgageinterestrelief:
7%
2.Collectionofpersonaltax
A.incometax—PAYE
B.NationalInsurance
1.employee’scontribution:
9%
2.employer’scontribution:
5%to10%
B.1.According…bothsimpleandrelativelylow.
2.Thenew…optforseparatetaxation.
3.Thetax…pensionis40%
4.PAYEstandsforPayAsYouEarn.Thescheme…fromtheemployerbefore…banktransfertotheemployee.
5.Taxableincome…deductionandtheallowancehavebeenexcluded.
Part3.ShouldIbuyaninsurancepolicy?
（1）
A.insurancepolicysavemoney buyingahouse
B.1.A.afixedobjectiveinmind/howmuchtopayeachmonth
B.afixedobjectiveeachmonthinmind/howmuchtoproduceoversomeyears
2.No/regular&systematic/short-term/bank/BuildingSociety
Part4Moreaboutthetopic
A.unmarrieddependents noneed
Answerthequestionwithkeywords
A.accumulatecapital/expandbusiness/endofterm
B.savingtoproduceapension
Part5Doyouknow…?
1.T 2.F 3.F 4.T 5.T
Unit6VisionsofBusiness
Part1Gettingready
B.
IndividualproprietorshipPartnershipCorporati
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