Listen this way聽力教程答案4

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Listenthisway聽力教程答案4

PART1-B

Investingisawaytomakemoneywithyourmoney.First,youhavetoearnmoney.Asakid,yougetmoneyfromallowance,gifts,services,orfromsellinggoodssuchaslemonade.Trytosavesome,ifnotallofthismoney.Thenextstepistomakeyourmoneygrowthroughinvesting.

Therearetwomainreasonswhyyoushouldinvest.Thefirstistostayaheadofinflationandthesecondistoachievefinancialgoals.Inflationcausestheincreaseofprices.WhenaBigMacgoesupfrom$1.20to$1.50orwhengasgoesupfrom$1.30to$1.70agallon,wesaythatisinflation.Youneedtomakemoremoneyjusttokeepupwiththerisingcostofliving.

Financialgoalscanbeseparatedintotwotypes:short-termgoalsandlong-termgoals.Thefirstreferstothethingsthatyouneedorwantnoworwithintheyear,suchasabike,acomputer,oravideogame.Generally,ittakeslessmoneytoreachtheseshort-termgoals.However,long-termgoalsareexpensiveandrequiresomeplanning.Theyarethingsyouneedorwantinafewyearsormore,forexample,goingtocollege,buyingahouse,andevenstartingabusiness.

Investingislike“planting〞money.Asmallamountofmoneyinvestedwilloftengrowtoalargersumovertime.You’veheardthephrase,“Timeismoney.〞Withinvesting,timealsomakesmoney.

Althoughinvestingcanmakemoneywithmoney,thedownsideofinvestingisthatthereisariskoflosingyourmoney.Thekeytoinvestingistominimizetheriskandtomaximizethefinancialreward.

PART2-B

OnThursday,April17,“NationalTeachChildrentoSaveDay,〞2500bankerswillmake5000presentationsinelementaryschoolclassroomsacrossthecountrytoteachchildrenhowtosavemoney.

“Bankersarecommittedtoinvestinginthefutureofchildrenbecausewewantthemtobeabletomakesmartfinancialdecisionsthroughouttheirlifetime,〞saidAmericanBankersAssociationExecutiveVice-presidentDonaldG.Ogilvie,“Educationandmoneymanagementskillsarekeystoabetterlife.〞

TheABAEducationFoundationdeclared“NationalTeachChildrentoSaveDay〞asawaytoshowbankingindustrysupportforteachingchildrenmoneymanagementskillsandencouragingthemtosavemoneyforthefuture.In1996,Americanssavedonly4.9%oftheirdisposableincomes,comparedto1970whentheysaved8%.

TheFoundationcoordinatedagreateffortwithstatebankersassociationstoencouragebankerstoparticipatein“NationalTeachChildrentoSaveDay〞.Italsopreparedaresourcekitwithtoolstohelpbankersmakepresentationsinclassrooms.Morethan125000studentswillbepartofthisnationalinitiative.

TheABAEducationFoundationalsoofferstipsforparentstofosterthesavingshabitintheirchildren:

Givethemanallowancewiththeunderstandingthatpartofitgoesintotheirownsavings—afirststeptowardslearningtobudget

Listenthisway聽力教程答案4

Tomaketheirsavingsvisibleandreal,havethembuildupsavingsinapiggybank.Thenhelpthemopentheirownbanksavingsaccount,andhavethemmakedepositseachmonth.

Usetheirmonthlystatementsortherecordintheirsavingspassbooks,toshowthemhowtheirmoneyismultiplying

Foreverydollaryourchildrenearn,encouragethemtospend25centsonwhattheywantorneednow,put25centsawayforabigger-itempurchaselaterandsaveorinvesttherest.(That’sa50%savingsrate!)

Makesavingsandinvestingfun.Giveyourchildrenplaymoneyto“invest〞instockstheycantrackinlocalnewspapers.Ifthestocksgoup,paytheminmoreplaymoney;ifthestocksdecline,theypayyou.

PART3

CreditcardsareanimportantpartofAmericanlife.Whetherwehaveapositiveornegativeimageofcreditcards,theyareaninescapablepartofourfinances,eithernoworinthefuture.

Withoutacreditcard,it’sjustaboutimpossibletorentacar,makeahotelorairlinereservation,orevengetamembershipatavideostore.

Sincecreditcardsaresoimportant,yetsomanypeopleareinfinancialtroublebecauseofthem,wefeeleducationisextremelyimportant.Wewanttoshowourcustomersthatcreditcardsarenottoys;theyareanimportantresponsibility.

Acreditcardcanbeusedto“charge〞thingslikeclothes,tapesorCDs,dinneratarestaurant,ormaybeahotelroomwhileyou’reonvacation.Whenyouchargesomething,youareagreeingtopayforyourpurchaseatalaterdate.Basically,youarebuyingsomethingnowandpayingforitlater.

Creditcardscomewitha“l(fā)imit’.Let’ssayyourcreditcardhasalimitof$100.00worthofitemsonyourcard.Youwillgetastatementinthemaileachmonththatliststhechargesyouhavemade.Youwillalsohavetomakeapaymenteverymonththatyouhaveabalanceowing.

Sincewe’reabouteducatingourcustomersontherealitiesofcreditandcreditcards,we’regoingtobeperfectlyhonest.First,usingacreditcardcanbeveryexpensive.Banksdon’toffercreditcardsjustbecausetheylikeyou.Theyofferthembecausetheymakemoneywhencustomersusecreditcards.

Howdotheymakemoney?Whenyouchargesomethingonacreditcard,younotonlywillhavetopayforwhatyoubought,butyouwillalsohavetopayinterest,orafinancecharge,ifyoudon’tpayyourbillinfullbytheduedate.Thefinancechargeisyourextracostforhavingsomethingnowandpayingforitlater.Theinterestrateonacreditcardcanbe15%orevenhigher.If,however,youpayyourbillinfulleverymonthbytheduedate,youdonothavetopainterest.Andofcourse,wehighlyrecommendyoudothat!

It’sveryeasytomakelotsofpurchasesonyourcardandthenbesurprisedathowquicklytheyaddupwhenyourbillarrives!Ifyou’renotcarefulwhenyouuseacreditcard,youcouldfindyourselfinalotofdebt.Anditalwaystakesmuchlongertopayitoffthantospendit.

Youwillalsowanttobecarefulaboutbuyingthingswithcreditcardyou

Listenthisway聽力教程答案4

Loan.Mr.Jacksonisexpectedtorepaythemoneywith24months.

B.

Securitycharge…InterestratechargedInterestrate…

PersonalLoan7%

OrdinaryLoan√7.5%(1.5%+6%)Aday-to-daybasis

1.透支額（貸款）overdraft

2.歸還repay

3.短期貸款（業(yè)務(wù)）lendersintheshortterm

4.付利息payintereston

5.擔保物collateral

6.壽險lifepolicy

7.房屋的房契deedsofthehouses

8.政府證券GovernmentSecurities

9.憑證certificate

10.按日計算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.F2.T3.F4.F

Part5Doyouknow…?

B:Chart1Developmentoftheideaofnationaltaxes

Time/NumberEvents

April15ththelastdaytopayfederaltaxes

Listenthisway聽力教程答案4

9√√

10√√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:“l(fā)imit〞

3.Thepot