B4U3Money mattersteachers'book.doc

教师用书Unit 3 Money Matters Learning Objectives:² To learn expressions about dealing with banks, inquiring about prices and bargaining² To learn expressions about how to budget money² To talk about impulse purchase buying² To talk about money mattersPart I Communication SkillsTask 1 Warm up Teaching tips: Encourage your students to speak out talk about what they have already known about ways in of doing banking business and inquireing about prices. Draw your students attentions on how to budget money and share their viewpoints on some money related topics.Task 2 Listening Exercise 1Culture tipsDebit card: also known as a bank card or check card, is a plastic card that provides an alternative payment method to cash when making purchases. Functionally, it can be called an electronic check, as the funds are withdrawn directly from either the bank account, or from the remaining balance on the card.Credit card: a small plastic card issued to users of a system of payment. It allows its holder to buy goods and services based on the holders promise to pay for these goods and services. The issuer of the card grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user.Checking account: current account or cheque/check account, is a deposit account held at a bank or other financial institution, for the purpose of securely and quickly providing frequent access to funds on demand, through a variety of different channels. Because money is available on demand these accounts are also referred to as demand accounts or demand deposit accounts.Keys See the audio scriptAudio script: (无音频，需录制)Assistant: Hello, Good morning/good afternoon. Is there anything I can do for you?Customer: Yes, please. Id like to open a bank account.Assistant: Would you like it to be a savings account or the a checking account?Customer: I am not sure, what is the difference between them?Assistant: Well, a savings account pays interest on your money, but there are some restrictions.Customer: What are these restrictions?Assistant: Youll have to put in a minimum of 500 dollars, if you have less than 500 dollars in your savings account, we will charge you a 10 ten-dollars monthly fee, also you are permitted to write only two withdrawal slips per month to withdraw money from the savings account.Customer: Then what about a checking account?Assistant: A checking account allows you to write unlimited number of checks or you may withdraw your money through ATMs,. Yyou also must pay for the printing of the checks, thats all and included with your checking account is a debit card that you can use like the a credit card,. Tthe interest paid for money in our checking accounts is low, but our bank only requires a minimum balance of only 100 dollars balance and a checking account . needed several sentences to communicate this ideaCustomer: So I can write checks to pay all kinds of bills.Assistant: That is right. You can pay for your purchases by writing checks or using your checking account debit card as long as you dont overdraw your account.Customer: That sounds good, I think I will open a checking account. Thank you for your helpAssistant: Youre You are welcome,. I will handle this for you. Exercise 2 Teaching tips:Draw your students attention to the ways in which they can practice their banking vocabulary skills to deal with banking businesses in the audio exercises, and encourage your students to use these sentences to practice their communicationalive abilities in talking about banking businesses.Useful ExpressionsThe following parts chart contains are some commonly-used expressions dealing with monety matters. Repeat them and role-play with your partner. Dealing with banksDealing with banksI want to deposit 300 yuan/these checks in my account.I want to deposit my paycheck.I'd like to know whether I can cash a check here?Will you please cash this traveler's check, for me?I'd like to cash this money order.Will you please tell me whether you charge a fee for checks?Could you tell me what my balance is?Could you tell me the exchange rate between today?What if I overdraw?What's the interest rate for a the savings account?Do you pay interest on this account?Please tell me what the annual interest rate is.Please sign your name on the bottom line if you want to cash the check.Please endorse the check.Inquiring about price and bargainingInquiring about priceHow much is it?How much do you want for this?Can't you just tell me what it costs?What will it cost me?I just want to know the price.I can see that you are a smart buyer. Fourteen thousand is my best price.Thirteen thousand seven hundred and fifty is my final offer.What price would be fair to you?BargainingHey, don't try to rip me off. I know what this is worth.Can you give me a little good deal on this?Can you give me this for cheaper?If you don't give me a better price, I won't buy this.I can get this cheaper at other places.What's the lowest you're willing to go?Come on, give me a break on this.those marked in green would not be said by native speakersTask 3 Speaking up Pair WorkTeaching tips:Encourage your students to use different expressions to inquire about prices and to bargain when they practice in their dialogues. (Open) Part II Topic-related Listening and SpeakingTask 1 Pre-listening activity1. (Open)2. Reference:First, its safer than leaving so much cash at home; Second, you can manipulate your spending habits by putting most of their money in the bank; Third, you can save money for your future requirements like retirement, buying a house, children's education, etc.Fourth, You can earn interest out of on your money deposited in the bank and hence you keep making money out of the money you put in a bank. Exercise 1Key:1. C 2. B 3. A 4. C Exercise 2Key:1. negative; physically and emotionally2. missing out; emotion or feeling; buds up3. restricting; a brain state of scarcity; depressed4. everything in moderation; Psychologists; emotional checkbookOral PracticePair WorkTeaching tipsEncourage your students to think deeply about how as much means as possible to budget and manage their money reasonably. References:Investing them in a certain business；Buy shares of stock；Buy some financial productsPurchase certain insurances policies for my family;Dont put all your eggs in one basket.Set aside 20% of my salary as my kids education fundAudio script: (来源：CNN)Is It Wise To Put Your Money In Bank?The message is everywhere. I need a bank suddenly seems like a brilliant idea. Save, save, save, in these tough times, that's the mantra it's always been a good idea, but can we take frugality too far? “It is a very negative state of the mind, physically and emotionally for you to constantly be saying no to yourself.” Call it savers remorse, more money in the bank, but are you any happier? Columbia professor Ran Kivez who co-author the study on this very subject, says not indulging enough can hurt you emotionally.“This emotion that we are full missing out an life, such as missing out the pleasure, that we are missing some balance, that type of emotion or feeling actually persists over time and sometimes even buds up.”Personal saving jumped from 0.8% in August to 5% in January, and in some cases we are saving when we don't have to, so focused on the future, we are not enjoying the here and now. “When you are restricting what you purchase and what you give yourself, you are living in a brain state of scarcity, and that makes people depressed.” So what's the answer? Continue to save, but don't forget to treat yourself, even in a recession. “In this tough economy, people feel out of control. In a deeper level, buying and indulging in certain small pleasures gives you a sense of control. And some people say life is too short to have savers remorse“Our future isn't that long, I mean. Why do you all do that?”Bottom line: everything in moderation, spend a little, save a little. Psychologists say balance your checkbook, but also balance your emotional checkbook that they say will keep you healthy. Alina Cho, CNN, New York. the above seems to have several misquotes in itTask 2Pre-listening activity(Open)Culture tips12 items or less lane: the express checkout lane in supermarkets is for someone buying 12 or less items if the items you have picked out is less than 12. Exercise 1Key:1. A new study in the Journal of Marketing shows that the harder shoppers try to keep track of what theyre spending, the worse they actually do2. Sticking to a budget is key3. More than half of them try to crunch the numbers without a calculator or even a pen and paper.4. To count whats in your cart and multiply by a guesstimate of the average cost of the itemsExercise 2Key:1. scanning your items2. keep a mental tally of3. underestimate their total cost,4. change of a twentyOral PracticePair DiscussionReference：Impulse buying is a common phenomenon, particularly among women. When confronting a real bargain, few can stay calm and sensible. They hold it as a once in a life time chance. In most of the cases, these people can not resist the temptation; they felt an impulse of purchasing, although they may not use the item at all. For them, its like stealing. But for those who can stay calm in front of items on sale, the above mentioned behavior is insane. They think its absurd to buy something you do not even use; they hold that rather than saving money, the customers are wasting money by doing so. Audio script: (来源：www. ) Attention Shoppers: You Underestimated Your Bill So, theyre scanning your items at the grocery store, and when the last tomato gets bagged youre stunned at the cost. How did you spend so much? Maybe those cherries were 12 bucks a pound. Or maybe you should have paid more attention to what you put in the wagon your shopping cart. Then again, maybe not. Because a new study in the Journal of Marketing shows that the harder shoppers try to keep track of what theyre spending, the worse they actually do. With the economy still in the dumps, sticking to a budget is key. And foods a major expense. So a lot of shoppers try to keep a mental tally of what they toss into the cart as they go along. Scientists Koert van Ittersum, Joost M.E. Pennings and Brian Wansink interviewed 300 shoppers, and found that more than half of them try to crunch the numbers without a calculator or even a pen and paper. The trouble is doing that math in your head is hard. As a result, they underestimate their total cost, and end up overspending. One trick, the scientists say, is to count whats in your cart and multiply by a guesstimate of the average cost of the items. So nine things at $2 a pop should give you change of a twenty. Its not perfect, but itll also tell you whether you can get in the 12 items or less lane. Part III Topic-related Watching & SpeakingTask 1 Pre-watching activityReference：Spending money unnecessarily is just a habit but its one that can be detrimental to your financial goals. Here are five things you can do to break that habit and take back control of your spending.本文来源:考试大网1. Always Use CashIf you find that every time you go to the mall, you end up with a few more bags (and a few less dollars) than you expected, then stop putting things on plastic. Take out a set amount of cash before you go shopping however much youre willing to spend that day and youll have a much better idea of what youve spent. Once its gone, its gone.This can also be a big help if you ever find yourself struggling to pay off your credit card balance. If you use cash, you know youve got the money there to pay for your purchases.2. Make a ListHeading out for groceries or office supplies or materials for your DIY project? Make yourself a list of exactly what you need. Dont just go into the store with a vague idea in your head: youll be much more likely to end up going for “bargains” that you dont need and perhaps cant even use. Theyll just end up cluttering your home until you ditch them.Not having a list can also mean that you forget vital things often leading to you making a second trip to the store and spending even more money, since it never seems worth going for just one item 3. Have “Spend-Nothing” Days A very powerful way to break your spending habit is to have “spend nothing” days you could even challenge yourself to go a whole weekend without spending any money. Leave your wallet at home when you go to work: brown-bag lunch, and take a thermos of coffee with you.If youve fallen into a pattern of always picking up a newspaper and a latte and a candy bar or two, this is a great way to jolt yourself out of it. Similarly, if your weekends tend to involve going out for meals and drinks, going to a movie, or going on a shopping trip, youll find that its perfectly possible to entertain yourself for free.4. Keep a Spending LogFor two weeks, write down everything that you spend. Record the time, the place, what you bought and how much it was. This is a great way to make yourself much more aware of exactly where your money is going. There might be some nasty surprises (perhaps those “occasional” coffees and treats are more like a daily indulgence).Plus, the hassle of knowing you need to write down every single purchase can be enough to make you think twice about whether you really want to go ahead and buy that new book or DVD!5. Avoid Certain Stores and WebsitesWe all have particular stores whether on the high street or online that were especially tempted by. If you know you cant browse without buying, then dont even start. Ban yourself from the store or website for a period of time. (I went cold-turkey on ebay eBay for a month once)If its an internet store, you could even block it in your browser. This might seem a bit unnecessary, but its so easy to spend money online without really thinking about it and if you do find yourself “accidentally” loading up the site, the block on it will remind you that youve banned yourself.来源：考试大Are you struggling to break your spending habit? When are you most prone to spending money unnecessarily? What tips do you have on making sure you think twice before buying?Culture tips： Retirement Account: a retirement plan account that provides some tax advantages for retirement savings. Generic brands: often supermarket goods, are distinguished by the absence of a brand name. It is often inaccurate to describe these products as "lacking a brand