II. Listening Skills 1. w: How much money is the rent for an apartment in this neighborhood? M: Your rent should be a quarter of that Q: How much should be the womans rent be? 2. M: I paid $3, 500 for this digital camera. It was on sale at a 30S discount w: It's a real bargain Q: How much did the camera cost originally? 3. M: What's the rate for an economy car? w: The daily rate is $32, unlimited mileage Q: How much will the man pay if he rents the car for a week? 4. M: I'lI take these sweaters. How much do they cost? W: They are $180 each and four makes a total of $720. But today we are offering a 20% discount Q: How much does the man have to pay? 5. W: What an old car youve got M: Well, it had run 12, 000 miles when I bought it second hand. And it's covered 3, 080 miles since the Q: How many miles has the car run? 1.B2.A3.A4.D5.B III. Listening In Task 1: It's time to buy Mike: Hey, robert, where are you off to? Robert: I'm going to talk to a banker about a loan Mike: You are short of money? I thought you were the saving type Robert: There's a time to save and a time to spend Mike: I know all about spending. What's the loan for? I have a few bucks I could Robert: I'm considering getting a mortgage to buy some property Mike: Do you think property is a good investment? I mean, it's a lot of money bought an apartment two years ago, its value would have gone up by 30 percent today o- Robert: Well, Mike, as you know, property values have been going through the roof. If I ha Mike: And from what I know interest rates are low now Robert: Exactly. Sounds like a good time to bu 1. a banker a loan 2. saving save 3. a mortgage property 4. Property values
II. Listening Skills 1. W: How much money is the rent for an apartment in this neighborhood? M: Your rent should be about a quarter of that. Q: How much should be the woman’s rent be? 2. M: I paid $3,500 for this digital camera. It was on sale at a 30$ discount. W: It’s a real bargain. Q: How much did the camera cost originally? 3. M: What’s the rate for an economy car? W: The daily rate is $32, unlimited mileage. Q: How much will the man pay if he rents the car for a week? 4. M: I’ll take these sweaters. How much do they cost? W: They are $180 each and four makes a total of $720. But today we are offering a 20% discount. Q: How much does the man have to pay? 5. W: What an old car you’ve got! M: Well, it had run 12,000 miles when I bought it second hand. And it’s covered 3,080 miles since then. Q: How many miles has the car run? 1.B 2.A 3.A 4.D 5.B III. Listening In Task 1: It’s time to buy. Mike: Hey, Robert, where are you off to? Robert: I’m going to talk to a banker about a loan. Mike: You are short of money? I thought you were the saving type. Robert: There’s a time to save and a time to spend. Mike: I know all about spending. What’s the loan for? I have a few bucks I could… Robert: I’m considering getting a mortgage to buy some property. Mike: Do you think property is a good investment? I mean, it’s a lot of money. Robert: Well, Mike, as you know, property values have been going through the roof. If I had bought an apartment two years ago, its value would have gone up by 30 percent today. Mike: And from what I know, interest rates are low now. Robert: Exactly. Sounds like a good time to buy. 1. a banker a loan 2. saving save spend 3. a mortgage property 4. Property values
5. risen/gone up/increased by 30 percent Task 2: Can I have my change please? Tom was down on his luck and felt he needed a few drinks. hw went to a bar and h ad sever drinks. When he was done, he stood up and walked toward the door. The barman shouted after him, "Hey mister, are you going to pay for those drinks? Tom turned around and replied, " I have already paid you, "and then walked out of the bar. Almost immediately he saw one of his friends Richard and told him about the barman, " Just go in there and drink all you want, then get up and leave. When the barman asks you to pay the bill, just tell him you have already paid This sounded easy enough, so Richard went in and has several drinks. The barman went to him and said, "Before you came in, another man was here. When I asked him to pay his bill, he told me he'd paid, but I don t remember him paying me Richard said, I would love to stay and hear your story, but I don' t have time. Can I havemy change please? .A 2.B.D 4.C 5.C Task 3: Why not just print money? What's the solution to a recession, a time of little economic activity? Just print money! Sounds reasonable, doesnt it? Lets see if this will work by using an example Lets pretend that all the students in your class make up the enter population of the country, and the teacher represents the government. Let's also pretend each student has exactly $1.00 Since we are in a recession, lets have the teacher, who represents the government, print money He prints $1.00 more for everyone. Now everyone has $1.00 more to spend. More money to spend sounds like a great way to get us out of recession, since more money to spend means demand for goods and services Then if that works, why dont we give MORE money away? How about $100? Now we have lots of money to spend. So no more recession, right? se we have only looked at one side of the problem. As more and more peo receive more and more money, whatll happen? Since everyone has more money, the students all go shopping to spend that extra money. This causes the demand for goods and services to rise, and people who sell goods and services raise price. For example, if you could buy a new music CD at $10 in the past, now the price could be S1.000! This is called inflation So, the original reason for printing all this money was to help get us of recession, but we have only replaced one problem with another 1.T2.T3.F4.F F IV Speaking out Model 1 i want to blow it all John: Hey, Se-Jin, do you want to come shopping with me? My dad just gave me my monthly allowance and I want to blow it all Se-Jin: That sounds iust like you, John! What do you want to buy?
5. risen/gone up/increased by 30 percent Task 2: Can I have my change please? Tom was down on his luck and felt he needed a few drinks. Hw went to a bar and had several drinks. When he was done, he stood up and walked toward the door. The barman shouted after him, “Hey mister, are you going to pay for those drinks?” Tom turned around and replied, “I have already paid you,” and then walked out of the bar. Almost immediately he saw one of his friends Richard and told him about the barman, “Just go in there and drink all you want, then get up and leave. When the barman asks you to pay the bill, just tell him you have already paid.” This sounded easy enough, so Richard went in and has several drinks. The barman went to him and said, “Before you came in, another man was here. When I asked him to pay his bill, he told me he’d paid, but I don’t remember him paying me.” Richard said, “I would love to stay and hear your story, but I don’t have time. Can I havemy change please?” 1. A 2.B 3.D 4.C 5.C Task 3: Why not just print money? What’s the solution to a recession, a time of little economic activity? Just print money! Sounds reasonable, doesn’t it? Let’s see if this will work by using an example. Let’s pretend that all the students in your class make up the ENTER population of the country, and the teacher represents the government. Let’s also pretend each student has exactly $1.00. Since we are in a recession, let’s have the teacher, who represents the government, print money. He prints $1.00 more for everyone. Now everyone has $1.00 more to spend. More money to spend sounds like a great way to get us out of recession, since more money to spend means demand for goods and services. Then if that works, why don’t we give MORE money away? How about $100? Now we have lots of money to spend. So no more recession, right? Not really, because we have only looked at one side of the problem. As more and more people receive more and more money, what’ll happen? Since everyone has more money, the students all go shopping to spend that extra money. This causes the demand for goods and services to rise, and people who sell goods and services raise price. For example, if you could buy a new music CD at $10 in the past, now the price could be $1,000! This is called inflation. So, the original reason for printing all this money was to help get us of recession, but we have only replaced one problem with another. 1.T 2.T 3.F 4.F 5.F IV. Speaking Out Model 1 I want to blow it all. John: Hey, Se-Jin, do you want to come shopping with me? My dad just gave me my monthly allowance and I want to blow it all. Se-Jin: That sounds just like you, John! What do you want to buy?
John: I dont know. Some music CDs, maybe Se-Jin: If you spend all that money on things you don' t even know if you want, you wont have any money left when you need it John: But if I iust save my money, that doesn't s sound like much fun either. Besides, I need some new cds Se-Jin: You also need a financial advisor! Now Your turn A: Hey, do you want to come shopping with me? I just got some money from my part-time job, and I want to get rid of it right away. B: That's your style. What do you want to buy? A: I don' t know... some fashionable clothes, maybe B: If you waste all your money on things you dont even know if you want, you'll be out of money completely when you need it A: But if I just hold on to my money. that doesn't make much sense either. I really need some new clothes. What's the point of saving lots of money without fun B: As I see it, you need a person to look after your money Model 2 Can money buy everything? Peter: I'm trying to think of ways to become rich. If I could get my hands on a lot of monev. I'Il Jane: Do you really think so? I'm not so sure Peter: Of course, why wouldnt I? I'd be able to have anything I want Jane: Well, there are plenty of people who have a lot of money but aren't happy. What do you say to that? Peter: But if I became a millionaire. I'd buy whatever I wanted Jane: Can you buy true love? Can you buy the moon? Peter: Maybe not, but I can buy a house with a lot of modern conveniences Jane: k like you do, buy look at all the divorces, suicides and murders among ealthy people. How do you explain that Peter: May be theres something in what you said Now Your Turn A: I really hope I can make a fortune. If I had a lot of money, I'd be as happy as a king B: Do you really believe so? I have my doubts about it A: Of course, why wouldnt 1? If I were a millionaire, theres nothing I couldnt buy Well, can you but health? Can you but true friendship? Maybe not. But I can but a big house and car, and make my life more comfortable A: Maybe you have a point there. Money can bring material comforts. But don't forget nere are B: Well, there is some truth in what you said. Money cannot but real happiness Model 3 I wonder if you could give me a loan John: Hey, Se-Jin, I was iust on my way to find you
John: I don’t know…Some music CDs, maybe. Se-Jin: If you spend all that money on things you don’t even know if you want, you won’t have any money left when you need it. John: But if I just save my money, that doesn’t s sound like much fun either. Besides, I need some new CDs. Se-Jin: You also need a financial advisor! Now Your Turn A: Hey, do you want to come shopping with me? I just got some money from my part-time job, and I want to get rid of it right away. B: That’s your style. What do you want to buy? A: I don’t know…some fashionable clothes, maybe. B: If you waste all your money on things you don’t even know if you want, you’ll be out of money completely when you need it. A: But if I just hold on to my money…that doesn’t make much sense either. I really need some new clothes. What’s the point of saving lots of money without fun? B: As I see it, you need a person to look after your money. Model 2 Can money buy everything? Peter: I’m trying to think of ways to become rich. If I could get my hands on a lot of money, I’ll be really happy. Jane: Do you really think so? I’m not so sure. Peter: Of course, why wouldn’t I? I’d be able to have anything I want. Jane: Well, there are plenty of people who have a lot of money but aren’t happy. What do you say to that? Peter: But if I became a millionaire, I’d buy whatever I wanted. Jane: Can you buy true love? Can you buy the moon? Peter: Maybe not, but I can buy a house with a lot of modern conveniences. Jane: So many people think like you do, buy look at all the divorces, suicides and murders among wealthy people. How do you explain that? Peter: Maybe there’s something in what you said. Now Your Turn A: I really hope I can make a fortune. If I had a lot of money, I’d be as happy as a king. B: Do you really believe so? I have my doubts about it. A: Of course, why wouldn’t I? If I were a millionaire, there’s nothing I couldn’t buy. B: Well, can you but health? Can you but true friendship? B: Maybe not. But I can but a big house and car, and make my life more comfortable. A: Maybe you have a point there. Money can bring material comforts. But don’t forget, there are also divorces and suicides among wealthy people. B: Well, there is some truth in what you said. Money cannot but real happiness. Model 3 I wonder if you could give me a loan. John: Hey, Se-Jin, I was just on my way to find you
Se-Jin: What,s up, John? John: Se-Jin, I'm kind of broke, and you usually have a bundle tucked away. I wonder if you could give me a loan Se-Jin: Dream on! Im hard up myself John: You see, I want to buy some new stereo equipment, and I'm iust about a hundred short Se-Jin: Why not save up for it? John: The stores have all stuff on a huge sales promotion right now. I could save at least 30 perce S-Jin: John, I'd lend you money if you were in a iam. But a new stereo isnt an emergency John: Then I' m afraid I have to find someone who is more easy-going Now Your turn A: Hi, I was trying to catch up with you B: What happened? A: Money had burned a hole in my pocket. You usually have some savings. I wonder if you can lend me some money? B: You're daydreaming. I'm short of money myself. A: Look, I want to buy a digital camera, and I' m only short of 150 bucks B: Why B: Well, I'd lend you the money if you were in real redouble. But a new camera isnt urgent A: Then Im afraid I'lI have to try someone who's more generous V. Let's talk Story of a miser There was a miser who loved money more than anything else. Just before he died, he said to his wife, "Now, listen. When I die, I want you to take all my money and put it in the casket with me. I want to take my money to the afterlife with me He made her promise with all her heart that when he dies, she would pit all the money in the casket with him. Then he died He was laid in the casket his wife was sitting there wearing black, and her friend was sitting next to her When they finished the ceremony, just before the undertakers got already to close the casket, the wife said, " Wait a minute! "She had a box with her. She came over with the box and put it in the Then the undertakers locked the casket down, and they rolled it away. He friend said,"Girl, I now you weren t fool enough to put all that money in there with your husband She said, "Listen, I'm a Christian. I cant go back on my word. I promise him that I would put all the money in the casket with him You mean you really put that money in the casket with him!? I surely did, said the wife. "I wrote him a check 1. more than 2. money casket
Se-Jin: What’s up, John? John: Se-Jin, I’m kind of broke, and you usually have a bundle tucked away. I wonder if you could give me a loan. Se-Jin: Dream on! I’m hard up myself. John: You see, I want to buy some new stereo equipment, and I’m just about a hundred short. Se-Jin: Why not save up for it? John: The stores have all stuff on a huge sales promotion right now. I could save at least 30 percent! S-Jin: John, I’d lend you money if you were in a jam. But a new stereo isn’t an emergency. John: Then I’m afraid I have to find someone who is more easy-going. Now Your Turn A: Hi, I was trying to catch up with you. B: What happened? A: Money had burned a hole in my pocket. You usually have some savings. I wonder if you can lend me some money? B: You’re daydreaming. I’m short of money myself. A: Look, I want to buy a digital camera, and I’m only short of 150 bucks. B: Why not save towards it? A: The camera is on sale right now. This can save me almost 25 percent. B: Well, I’d lend you the money if you were in real redouble. But a new camera isn’t urgent. A: Then I’m afraid I’ll have to try someone who’s more generous. V. Let’s Talk Story of a Miser There was a miser who loved money more than anything else. Just before he died, he said to his wife, “Now, listen. When I die, I want you to take all my money and put it in the casket with me. I want to take my money to the afterlife with me.” He made her promise with all her heart that when he dies, she would pit all the money in the casket with him. Then he died. He was laid in the casket, his wife was sitting there wearing black, and her friend was sitting next to her. When they finished the ceremony, just before the undertakers got already to close the casket, the wife said, “Wait a minute!” She had a box with her. She came over with the box and put it in the casket. Then the undertakers locked the casket down, and they rolled it away. He friend said, “Girl, I know you weren’t fool enough to put all that money in there with your husband!” She said, “Listen, I’m a Christian. I can’t go back on my word. I promise him that I would put all the money in the casket with him.” “You mean you really put that money in the casket with him!?” “I surely did,” said the wife. “I wrote him a check.” 1. more than 2. money casket
4. in the casket 5. sitting black 6. next to/ beside 7. clos 9 10. foolish all that money/the money 11. a Christian on her word 12. put the money 13. a check VI Furthering Listening and Speaking Task 1: Giving Money to a Beggar Susan: Hey, Robert, you gave that beggar some of your hard-earned cash? know. He looked as if he needed help Buy you're always so careful with your money Yeah, I guess so, but I like to help when Susan: I just wonder why the guy doesnt get a job and make his own living Robert: It's just not that simple, Susan. Some people have a hard time of it in life Susan: Maybe they waste all their money. If you give them money, they will just go on wasting it Robert: Life has been good to me, Susan, and I'd like to share some of my luck 1. the beggar 3. help 4. careful with/about 6. people 7. a hard time 9. sh 10. good luck Task 2: Buying a machine An American manufacturer is showing his machine factory to a potential customer. At noon, when the lunch bell rings, two thousand men and women immediately stop working and leave the Your workers, they're escaping! cries the visitor. " You've got to stop them Dont worry, they'll be back, says the American. And indeed, an exactly one 0'clock the bell rings again, and all the workers return from their break When the tour is over, the manufacturer turn s to his guest and says, Well, now, which of these machines would you like to order? "Forget the machines, "says the visitor. "How much do you want for that bell?
3. promise 4. in the casket 5. sitting black 6. next to/beside 7. close 8. a box 9. away/off 10. foolish all that money/the money 11. a Christian on her word 12. put the money 13. a check VI. Furthering Listening and Speaking Task 1: Giving Money to a Beggar Susan: Hey, Robert, you gave that beggar some of your hard-earned cash? Robert: I know. He looked as if he needed help. Susan: Buy you’re always so careful with your money. Robert: Yeah, I guess so, but I like to help when someone’s in need. Susan: I just wonder why the guy doesn’t get a job and make his own living. Robert: It’s just not that simple, Susan. Some people have a hard time of it in life. Susan: Maybe they waste all their money. If you give them money, they will just go on wasting it. Robert: Life has been good to me, Susan, and I’d like to share some of my luck. 1. the beggar 2. as if 3. help 4. careful with/about 5. a job 6. people 7. a hard time 8. waste 9. share 10. good luck Task 2: Buying a Machine An American manufacturer is showing his machine factory to a potential customer. At noon, when the lunch bell rings, two thousand men and women immediately stop working and leave the building. “Your workers, they’re escaping!” cries the visitor. “You’ve got to stop them.” “Don’t worry, they’ll be back,” says the American. And indeed, an exactly one 0’clock the bell rings again, and all the workersreturn from their break. When the tour is over, the manufacturer turn s to his guest and says, “Well, now, which of these machines would you like to order?” “Forget the machines,” says the visitor. “How much do you want for that bell?
1.T2F3.F4.T5.T Task 3: An Introduction to Credit Cards Credit cards are plastic cards issued by a bank or other financial institutions allowing the holder to buy goods and service without using cash. Many American don't like to carry much cash. For them the cards are convenient and safe to use Credit cards are gaining popularity, even for buying small items. They are accepted almost everywhere, though not at fast food restaurants Credit cards allow you to purchase things that you may not currently have the money to buy When you use a credit card, the credit card company that issued the credit card pays the store Later, a bill will be mailed to you by your credit card company for the amount you purchased. At that time, you can either pay the bill in full, or only pay a minimum amount, and wait till later to finish paying. If you wait till later, you will owe the credit card company interest on the amount that you do not pay 1.D2C3.B4C5.A Speaking Can you change a twenty-dollar bill Cashier: How can I help you, Miss? Jill: Could you change a 20 for me? Cashier: Sure. How do you want it? Jill: Could I have two 5s, but not enough I's Are quarters all right with you? Cashier: Well, I have some 5s, but not enough Is. Are quarters all right with you? Jill: Oh, thats even better! In that case, I won' t have to worry about the small change for the Cashier: Here you are Jill: Thanks a million!
1.T 2.F 3.F 4.T 5.T Task 3: An Introduction to Credit Cards Credit cards are plastic cards issued by a bank or other financial institutions allowing the holder to buy goods and service without using cash. Many American don’t like to carry much cash. For them the cards are convenient and safe to use. Credit cards are gaining popularity, even for buying small items. They are accepted almost everywhere, though not at fast food restaurants. Credit cards allow you to purchase things that you may not currently have the money to buy. When you use a credit card, the credit card company that issued the credit card pays the store. Later, a bill will be mailed to you by your credit card company for the amount you purchased. At that time, you can either pay the bill in full, or only pay a minimum amount, and wait till later to finish paying. If you wait till later, you will owe the credit card company interest on the amount that you do not pay. 1.D 2.C 3.B 4.C 5.A Speaking Can you change a twenty-dollar bill? Cashier: How can I help you, Miss? Jill: Could you change a 20 for me? Cashier: Sure. How do you want it? Jill: Could I have two 5’s, but not enough 1’s. Are quarters all right with you? Cashier: Well, I have some 5’s, but not enough 1’s. Are quarters all right with you? Jill: Oh, that’s even better! In that case, I won’t have to worry about the small change for the laundry. Cashier: Here you are! Jill: Thanks a million!