澳大利亚中学英语a UNIT14

[00:00.00]Unit 14              Money matters
[00:04.78]1.Listen,read and practice in pairs.
[00:10.95]LiMeng and Xiaohong need to open a bank account¹.
[00:15.70]They are now in a bank with Mrs.Davis.
[00:20.38]Clerk:Good morning!Can I help you?
[00:24.03]Mrs.Davis:Yes.We are here to open a bank account.
[00:29.00]These two kids--LiMeng and his sister Xiaohong have come from China
[00:35.47]and they'd like to open a bank account.
[00:39.63]Clerk:I can help them with that!
[00:43.28]Mrs.Davis:If they each open an account,
[00:47.83]I think it will be more convenient² for them.
[00:52.51]Xiaohong:Yeah.I want to keep my own money.
[00:56.45]LiMeng:I think that should be OK.
[00:59.82]Clerk:Now,we have a special account that is designed for 12-15 years old.
[01:05.99]Here is a brochure³.You can keep it.
[01:09.64]Xiaohong:Can I read it first?
[01:12.88]Clerk:Don't worry.Here's another one for you.
[01:16.75]LiMeng:Let me see.No account keeping fees,keycard access to cash 24 hours a day,
[01:25.00]linked to a savings⁴ account...Well,these things really look confusing⁵.
[01:31.56]Clerk:Here,let me explain it to you.
[01:35.92]The first means⁶ that you don't have to pay money
[01:40.88]for everything our bank does for you.
[01:44.96]The keycard is a bank card you can use to get money from an ATM.
[01:51.02]It is linked to a savings account which allows you
[01:55.98]to use your savings for spending money when you need to.
[02:01.05]Mrs.Davis:You see these are specially⁷ designed for teenagers.
[02:06.09]They help you manage your money wisely and easily.
[02:11.13]Xiaohong:I think that keycard is a good idea.
[02:15.60]I don't want to run to a bank that's far away each time I need money.
[02:21.06]Clerk:That's right.But for that,we need an OK from your guardian⁸.
[02:27.12]Now,will you two just fill out these application forms and.....
[02:32.87]2.Listen to Dialogue One again and tick⁹ the correct answer.
[04:09.34]5.Listen,read and talk in pairs.
[04:16.39]LiMeng is surprised to discover how much he has spent in a month
[04:21.56]and is talking about it with another Chinese boy Chang Song.
[04:27.31]LiMeng:You know what?I spent nearly two thousand dollars last month.
[04:33.87]I can't believe it,Gee,that's a lot.What did you buy?
[04:39.33]LiMeng:Well,I didn't buy much.You see,I gave $ 1,400 to Mrs.Davis,
[04:47.09]now that's to cover room and board for my sister and I;
[04:52.36]then,I bought some books and CDs.
[04:56.52]Oh,I bought a T-shirt and some pants the other day.What else?
[05:02.68]Chang:What about the bus and phone calls?
[05:06.83]LiMeng:That's right.I forgot about the bus fares and those phone cards.
[05:12.48]Chang:I remember seeing you buy snacks from the school canteen.
[05:17.94]LiMeng:Yeah,but that shouldn't cost that much.
[05:22.48]Chang:You don't even know where your money went.
[05:26.74]You need to do something about it.
[05:30.29]9.Listen,read adn discuss.
[05:36.95]Check your financial quotient(FQ)
[05:42.52]Everybody know that IQ stands for Intelligence¹⁰ Quotient
[05:48.89]and some of you might even know what your IQ is.
[05:53.93]More recently,there have been many articles and books written about our EQ
[06:00.91]or Emotinonal Quotient and if you are interested in it,
[06:06.55]you might even take a test and find out what your EQ is.
[06:12.11]But what is your EQ?It's your Financial Quotient.
[06:18.98]FQ is your wisdom¹¹ to build wealth and be financially successful.
[06:25.75]Some people claim that a high IQ helps a person save money.
[06:32.20]With a high EQ,one is able to live through very diffcult times.
[06:38.97]But only a high FQ can help one grow wealth.
[06:44.61]People of high IQs may have low FQs.
[06:50.67]Some bright,intelligent,educated people may be suffering from low FQs
[06:58.43]because they seldom have a business plan,never make budgets,
[07:04.39]rarely pay attention to their expenses and negotiate¹² discounts.
[07:10.45]On the other hand,even though some people don't have a high level of education[07:17.39]they have high FQs and make a success of their business.
[07:23.27]Bill Gates and Michael Dell are perfect examples.
[07:28.42]Fortunately,unlike IQ,one can greatly improve his or her FQ
[07:36.88]by going to a business school or even a FQ training centre.
[07:43.05]Through the necessary education on financial management,
[07:48.72]one can handle his or her financial matters more efficiently¹³ and effectively,
[07:54.96]and this may lead to business success.
[07:59.63]12.Listen and practice in pairs.
[08:06.40]Mrs.Davis is in the kitchen with LiMeng and Xiaohong.
[08:12.04]She is telling them how to become money-wise.
[08:17.32]LiMeng:Can I ask you something,Mrs.Davis?
[08:22.00]Mrs.Davis:Of course,dear.What is it?
[08:25.84]LiMeng:I seem to be spending a lot of money but I don't know where my money went.
[08:32.50]Mrs.Davis:Good question.Daniel used to have that problem too.
[08:37.96]I think you need to draw up plan for your spending each month.
[08:43.70]LiMeng:Like a list?
[08:46.89]Mrs.Davis:Yes.You write down how much money you plan
[08:51.93]to spend on what each month adn then stick to it.
[08:56.89]I always keep notes of my spending.You can try that too.
[09:02.35]Xiaohong:Good idea.I always think you should be more careful with your money.
[09:08.31]Mrs.Davis:I think he is,dear.Everyone has to learn how to be money-wise.

1 account   

n.叙述；帐目；帐户

参考例句：

• She left out an important item in her account.她的账目漏掉了一个重要的项目。
• He has made several withdrawals from his bank account.他从银行账户上提了几次款。

2 convenient   

adj.便利的，方便的

参考例句：

• I have to find a convenient location for the shelves.我得找一合适的地方放这些书架。
• Come at any time that is convenient to you.你哪会儿方便就哪会儿来吧。

3 brochure   

n.假订本，小册子，小册

参考例句：

• Can I have a tour brochure?能给我一个观光册子吗？
• I want you to read the brochure completely.我想让你把这个小册子看完。

4 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。

5 confusing   

adj.混乱的，令人困惑的

参考例句：

• The instructions on the box are very confusing.盒子上的使用说明含混不清。
• It's very confusing to learn a new language.学习一门新语言是很令人困惑的。

6 means   

n.方法，手段，折中点，物质财富

参考例句：

• That man used artful means to find out secrets.那人使用狡猾的手段获取机密。
• We must get it done by some means or other.我们总得想办法把它干完。

7 specially   

adv.特定地；特殊地；明确地

参考例句：

• They are specially packaged so that they stack easily.它们经过特别包装以便于堆放。
• The machine was designed specially for demolishing old buildings.这种机器是专为拆毁旧楼房而设计的。

8 guardian   

n.监护人；守卫者，保护者

参考例句：

• The form must be signed by the child's parents or guardian. 这张表格须由孩子的家长或监护人签字。
• The press is a guardian of the public weal. 报刊是公共福利的卫护者。

9 tick   

vi.(指钟表等)滴答滴答地响

参考例句：

• The clock goes'tick-tock,tick-tock'.时钟发出滴答滴答的声音。
• They could hear the regular tick of the clock.他们能听见时钟有规律的滴答声。

10 intelligence   

n.智力，聪明，智能；情报

参考例句：

• He was a man of intelligence and of firmness of will.他是个聪明而又意志坚定的人。
• He equals me in strength but not in intelligence.他和我力气相等，但智力不同。

11 wisdom   

n.智慧，明智的行为，学识，名言，贤人

参考例句：

• Experience is the mother of wisdom.经验为智慧之母。
• Ancient Greece was a fountain of wisdom and philosophy.古希腊是智慧和哲学的发源地。

12 negotiate   

v.洽谈，协商，谈判，顺利通过，成功越过

参考例句：

• I'll negotiate with their coach on the date of the match.我将与他们的教练磋商比赛的日期问题。
• I managed to negotiate successfully with the authorities.我设法同当局进行了成功的协商。

13 efficiently   

adv.高效率地，有能力地

参考例句：

• The worker oils the machine to operate it more efficiently.工人给机器上油以使机器运转更有效。
• Local authorities have to learn to allocate resources efficiently.地方政府必须学会有效地分配资源。