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

1、 the amount of money you have in a bank account, or the amount of something that you have left after you have spent or used up the rest8. due date: the date on which something is expected to happen, especially the date on which a sum of money is expected to be paid9. economic bubble: a phenomenon in

2、 economics in which too much loose cash finds its way into an area of the market, resulting in a buying frenzy that leads to wildly inflated prices. Economic activity in those areas affected is not sustainable in the long run, so large numbers of late investors eventually go bankrupt.10. finance: pr

3、ovide the money needed for something to happen11. dime: an American or Canadian coin which has the value of ten centsB. Listen to the following dialogues. Complete the exercises.Dialogue one: Tick the expenditure items mentioned by the speaker.Items ItemsCharities Theatre and other arts events Eatin

4、g out Stocks and shares Hobbies （DIY, sailing, etc.） Antiques Food and groceries Cars Dialogue two: Complete the chart. Use ticks to indicate whether the expenditures on those items are up, down or the same as last year. Supply the figures mentioned. ItemsSameUp Down Figures Entertainment 2,566Depre

5、ciation 300Secretarial expenses.Motor expenses2.612Audit & accountancy costsTelephone & postageHalf as much as last year Audioscript:A: You asked me where all the money goes. Its difficult to say exacdy, but obviously we spend a lot of money on groceries. I enjoy cooking, and as we have a large fami

6、ly four children our food bill is quite big. Wc also like eating out my wife and I probably go out to a restaurant about once a week. Unfortunately, there are no theatres round here, so we dont go to the theatre as much as wed like. But we do spend money on our hobbies. I like doing jobs around the

7、house Im one of the local DIY centers best customers and Im very keen on sailing thats a very expensive hobby. Im also very interested in antiques, especially clocks. You must let me show you my collection one day .B: Id like that. I wanted to ask you about holidays. Do you usually go abroad or stay

8、 in this country? A: We usually stay here. Ln fact, we spend very little on holidays. We have a small house near the sea and we usually go there. Thats where I do my sailing. We did go away for a week last year, but that was exceptional. So how much did we spend on entertainment this year? 2,566. Th

9、ats down a little on last year. And whats the figure for depreciation? 300, the same as last year. Hm, expenditure on secretarial expenses is up. Yes, theres a big increase there. Whats the figure of 2,612 for? Wheres that? Six figures down.s motor expenses. And what does this figure represent? Audi

10、t and accountancy costs. Theyre both up a lot. Yes, but expenditure on telephone and postage is down. Its half as much as last year.Part II Raising money for buying a car Owning a car is perhaps a dream for many people. However, buying a car requires a lot of money. How can you realize that dream? T

11、urn to the bank for help.A. Listen to the dialogue. Take notes. Then complete the summary.Summary:Mr. Jackson works in the college with a good salary. As his old car is too old to be worth repairing, he would like to have a newer one. Since he can get about a hundred pounds for the old car, he wants

12、 to raise some money, three hundred fifty to four hundred overdraft, from the bank.The bank manager suggests two kinds of loans with different interest rates and conditions: a Personal Loan and an Ordinary Loan. Mr. Jackson is expected to repay the money within 24 months.B. Now try this: listen to a

13、 more authentic version of the dialogue. First complete the chart to show the differences between the two loans. Then try to find the English equivalents of the Chinese expressions listed.security charged to the bankinterest rate chargedinterest rate calculated onpersonal loan7%the original amount t

14、akenordinary loan7.5%a day to-day basis1. 透支额（贷款）overdraft2. 偿还 repayment3. 短期贷款short-term basis4. 付利息 pay interest on5. 担保物 collateral6. 寿险 life policy7. 房屋的房契 deeds of the house8. 政府证券 government security9. 凭证 certificate10. 按日计算 on a day-to-day basisJ Mr. Jackson B Bank Manager Well, good afterno

15、on, Mr. Jackson.J: Good afternoon. Ive come to see you to see whether its possible to . get an overdraft. Im . I want some money. Yes Ill tell you quite frankly what it is. Im wanting to buy a new car. （Yes I dont know whether its possible to raise any money from the bank in this way. B: Er, I see n

16、o reason why not. J:ve got an old car . B:s your proposition? Well, Ive got this old car which is an eight-year-old Morris 1000, and I dont think theres any point in having it repaired any more because it just isnt worth it. I feel that I could probably get about a hundred pounds for it and then tha

17、t means that I would need about another four hundred-odd, three hundred and fifty . MhmJ er, on top of that, to buy a,a, not a new car exactly, but a newer one. Mhm Urn,. Do you use the car for your business, for your work? Er, yes I do, up to a point. That is to say, sometimes I take it to work and

18、 sometimes I dont, because Im almost within walking distance of the College. Mhm Does this have some bearing on the, on the question of whether I can get an overdraft? No, I dont think so. I, er, it was just a matter of interest that I asked you, really. You think three hundred and fifty? I would sa

19、y about three hundred and fifty to four hundred. With the other, with the other Yes hundred pounds then it would be about, er, five hundred pounds; well, one can get quite a decent car for five hundred pounds Quite second hand, of course. Quite. And what sort of period of time could you repay us? We

20、ll, erm, this rather depends on you. Um, I would like to . I, er, what is the normal procedure for such a sum of money? Well, for such a sum of money we could （would） expect repayment within 24 months. Two years? Two years. I see. We are lenders in the short term, remember, not long term. Yes. Er, i

21、s there . Do you, do I pay interest on this? You will pay interest on well, the type of loan I have in mind is a Personal Loan, as I assume youve got no form of collateral to offer. What is what is collateral? Well, have you any shares in any companies or life policies, deeds of houses, or anything

22、like that? I have some Government Securities, is . would this be . sufficient? You have some Government Securities, and what is their value? Er, its about. Have you got the certificates? . eight hundred pounds or so. About eight hundred pounds? Yes, but I dont want to. You dont want. . cash them. No

23、. No, well you wouldnt. that wouldnt involve you in cashing them. I could grant you an Ordinary Loan where the interest to you would be less than on a Personal Loan, if you were willing to charge that Share Certificate to us. Yes. I see, um, er, is it, is it possible to er . whats . that, that would

24、 be the only security which you would need, in fact? I shouldnt need any other security, other than that . I see not on a loan, not on a loan of that size. Or if you would agree to do it on a Personal Loan basis which cough I would not require any security whatever, as on a Personal Loan we have dea

25、th cover and you are in regular employment, er, in, er, good-sala-ried employment, with a with a good, with a good salary, therefore I would not ask you for erm, any security. Yes. Yes. But the interest rate would be higher than on an Ordinary Loan. Yes I should charge you seven percent on a Persona

26、l Loan and thats on the original amount taken, whereas on an Ordinary Loan it would be at one and a half percent over Bank Rate, minimum six percent, and that would be calculated on a, on a day-to-day basis, so it docs in fact work out cheaper. I see. Yes.Part III Credit cardsCredit cards have taken

27、 an important role in our life. Cardholders use it to buy goods and then to receive a statement every month. However, using a credit card can be very expensive. Do you know why?A. Listen to a mini-lecture about credit cards given by Young American Bank. Complete the outline.OutlineI. The importance

28、of credit cardsII. Nature “charge”- paying at a later date “ limit”III. The potential disadvantagesexpensive easy to make lots of purchases on card likely to pay a tremendous amount of interestIV The benefit indispensable in life helpful for emergenciesC: good for travelD: insuring purchase listen to a