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1、漳 州 城 市 职 业 学 院 课 程 教 案授课课题（教学章、节或主题）：Unit 3 Personal Finance课时安排： 4 授课时间： 教学目的要求（分掌握、熟悉、了解三个层次）： 1. be familiar with the English expressions related to fianc problems.2. master the techniques to describing ways of spending in English.3. acquaint students with the knowledge of education loan, invest
2、ment and credit-card.4. master the techniques to make a budget in English5. acquire the related grammar points.教学重点：1. be familiar with the English expressions related to fianc problems.2. master the techniques to describing ways of spending in English.3. master the techniques to make a budget in En
3、glish教学难点：1. write a spending survey report.2. write to express opinions on spending3. acquire the related grammar points.教学内容：Section One: Financial Matters理财问题Step One: Starter A questionnaire about money matters at collegeA. Explain the language points in the survey.B. Have students work in pairs
4、 to ask and answer the questions in the given questionnaire to complete the questionnaire.C. Have students exchange their questionnaires and learn about others students answers.D. Have 6-7 students into one group, work out the final result and give it an analysis.E. Have one student out of each grou
5、p to report to the class on their group findings.Notes 1. personal finance 个人理财finance n. 财务管理，财政；金融；资金 e.g.My present finances preclude the possibility of buying a car. 按我目前的财政状况是不 可能买车的。Unless we can get more finance, well have to close the hotel. 除非能得到更多的资金，否则我们将不得不关闭旅馆。finance当动词用时意思是“供给，负担经费”。
6、e.g.His parents financed his college education. 父母负担他上大学的费用。The government will finance the building of the new roads with the taxes it collects. 政府将把征得的税收投资到这条新公路上。finance的形容词形式为financial，意思是“财政的，金融的”，如：financial affairs 财务问题；a grave financial crisis 严重的金融危机。2. loan n. 贷款；出借e.g.They found it imposs
7、ible to get a bank loan. 他们发现不可能得到银行贷款。We wish to take a loan of your car for an afternoon. 我们想借你的汽车用一个下午。loan当动词用时，意思是“借出，贷与”。 e.g.These works of art are too precious to be loaned out for exhibition. 这些艺术品珍贵无比，不能借出去展览。3.Can you make ends meet every month? 你能每个月做到收支平衡吗？make ends meet 达到收支平衡 e.g.He f
8、ound it hard to make ends meet on his low income. 他发现以他微薄的收入很难做到收支平衡。Mary has spent so much money on new clothes that she finds it hard to make ends meet again this month. 玛丽买衣服花了很多钱，她发现这个月又难以混到月底了。Step Two: Im brokeA. Ask students questions about credit cards:a) Do you have a credit card? b) Do you
9、 prefer the shopping way of “Buy first, pay later”? c) Is there any difference between a debit card (借记卡) and a credit card (信用卡)? B. Have students listen to the tape or CD and fill in the blanks. C. Check the answers with students and explain the language pointsD. Encourage students to talk about t
10、heir opinions on credit cards by using the language to describe ways of spending given in the Learning Box.Notes 1.Im a little broke. 我快没钱花了。broke a. 没钱，囊中羞涩；破产的e.g.Jim had to take the job as a waiter in a small restaurant because he was broke. 吉姆身无分文，只得在一家小餐馆做服务生。The paper was going broke and would
11、 cease publication. 这家报纸将要破产停印。2.Im short of money myself 我自己也缺钱be short of 缺少 e.g.The family is badly short of money due to the childs disease. 由于孩子生病，这家人极度缺钱。Were short of time. Lets hurry up. 时间很少，我们得抓紧。3.But people spend too much with their credit cards and go over their budget. 人们过度使用信用卡，消费超过了预
12、算。go over 超过e.g.Your spending should not go over your income. 花费不应该超过收入。Tom went over John and became his boss. 汤姆超过约翰，当上了他的老板。budget n. 预算e.g.It is important to balance ones budget. 收支平衡十分重要。We simply cant stretch the budget enough to buy a car. 我们根本不能增加预算去买一部车。Step Three: No risk, no gainA. Have s
13、tudents listen to the tape or CD. Then decide whether the given statements are true (T) or false (F). B. Explain the language points and check the answers with students.C. Ask students the following questions:a) What kind of person is Jessica? (She is a crazy shopper.)b) Do you buy stocks? What shou
14、ld you pay attention to when buying stocks? Notes 1.Jessica has decided to invest all her money in stocks. 杰茜卡决定把钱全部投到股票上。*invest v. 投资，投入e.g.Ive invested a lot of time and effort in this plan. 我在这项计划上花了大量时间和精力。She invested in a painting by a famous young artist. 她买了一幅一位著名年轻画家的画作。invest的名词形式为investm
15、ent，如：a big investment in land 对土地的大量投资。2.So, any luck finding a new job? 是吗？运气如何？找到新工作了吗？这是一个省略句，any luck在口语中很常见，可单独使用，也可接介词如with和in，或直接接动词。e.g.Any luck with your hunting? 你打猎有什么收获吗？Any luck in your dating? 约会进展得如何？3.None. 没找到。none表示“一点也没有”，此处指没啥运气，也就是说没有找到新工作。e.g. How many birds are there in the t
16、ree？树上有几只小鸟? None. 一只也没有。4.Youll be up to your ears in debt if you keep spending like this. 如果你还这样花钱的话，你会债台高筑的。up to ones ears in debt 债台高筑 e.g.Youll soon be up to your ears in debt if you dont stop gambling. 如果不停止赌博，你很快就会债台高筑。*debt n. 债务，欠债e.g.He is in debt for his house and his car. 他因购买房子和汽车而负债。H
17、e spent more and more money, getting deeper and deeper into debt. 他花的钱越来越多，债台也越筑越高。5.Ive decided to buy stocks. 我决定去买股票。*stock n. 股票e.g.Father owns some stocks in that railroad. 父亲在那家铁路公司里有些股份。Stocks are generally lower in value because of the financial crisis. 受金融危机的影响，股票价格普遍下跌.6.Yeah, but no risk,
18、 no gain! 是的，但是没有风险，何来回报！no risk, no gain的字面意思是“没有风险就没有收获”，在特定语境下可以引申为“不入虎穴，焉得虎子”。e.g.I spent all my pocket money buying lottery tickets. No risk, no gain! 我把所有的零花钱都用来买彩票了，没有风险，何来回报！7.Ill bet all my savings on them! 我要把所有的积蓄都押在上面！beton 把赌押在 e.g.Ill bet my life on his success. 我以命赌他会成功。He bet all my
19、savings on stocks! 他把我所有的积蓄都投到股票上了！8.As the old saying goes 俗话说得好 as the old saying goes正如老话所说，古语有云e.g.As the old saying goes, a friend in need is a friend indeed. 俗话说，患难见真情。Step Four: Enquiring about loansA. Ask students the following questions:a) Do you know anything about Education Fund?b) Have y
20、ou ever thought of doing a part-time job on campus?c) Have you ever won a scholarship?B. Have students choose the students questions in the box to complete the dialogue. C. Invite two or three pairs of students for demonstration.Notes 1.When do I start paying back the loan? 我从什么时候开始偿还贷款？pay back 偿还（
21、借款等）e.g.Lend me $100, will you? Ill pay it back at the end of the month. 借我100美元行吗？月底我就还给你。I must remember to pay you back for the concert ticket. 我一定要记得还你音乐会门票的钱。2.Start by filling out our form online, and it can be approved in a few days. 先网上填表，几天之后便会得到批准。fill out 填写e.g.The policeman filled out a
22、report of the accident. 警察填写了事故报告单。*approve v. 批准，认可e.g.The firms directors quickly approved the new deal. 公司董事很快批准了新交易。The government sector initially approved the proposal in 1974. 政府部门于1974年初步批准了这一方案。approve还可表示“赞成，赞许”，常与of 搭配使用。e.g.I do not quite approve of his moral character. 我不大欣赏他的道德品质。Every
23、body approves of the plans for a new school building. 大家都赞成再建造一所新校舍。approve的名词形式为approval，如：gain/obtain/win the approval of 得到的赞同。Step Five: How the Stock Market WorksA. Text Lead-in: ask students to enjoy the video. B. Pre-text Question: Do you know how the stock market works?C. Text Comprehension:
24、 ask students to read the text and then proceed to the detailed study of the text.D. After-text exercise: have students complete the exercises after the text and check the answers with students.E. Have students to read the text after the tape or CD.Notes 1.If asked “Whats one of the fastest ways to
25、lose money?” your answer might be: “Invest in the stock market and follow the investment companys advice.” 如果有人问“最快的亏钱方式之一是什么？”您可能会这样回答：“投资股票市场，采纳投资公司的建议”。If asked是省略形式，完整形式应该是If you were askedinvestment n. 投资e.g.The firm has made a huge investment in new equipment. 该公司投入巨资购置新设备。His investments amou
26、nt to millions of dollars. 他的投资额达数百万美元。2.There may be some truth to this answer. 这个回答也许有点道理。some truth to sth. 在某方面有点道理e.g.I decided to take his advice because I found some truth to it. 我决定采纳他的建议，因为我觉得有点道理。You are talking nonsense. I cant find any truth to your words. 你真是胡说，我觉得你的话一点道理都没有。3.3.The man
27、 bought thousands at 10 dollars and as supply started to decrease, the villagers stopped their effort. 该男子以10美元的单价购买了几千只猴子后，猴子的数量减少了，村民们也因此停止了捕捉。as表示原因。e.g.As it is raining, the sports meeting is cancelled. 由于下雨，运动会取消了。注意as, because和since的区别：as，because，since都可以用于原因状语从句，表示因果关系，含义是“因为，由于”，但它们的用法有区别。as
28、一般放在句首，语气较弱，比较口语化；since常常用在书面语中，语气比because弱，表示的原因是对方已知的，或是稍加分析便可得知的原因，在句中是附带信息，因此引导的从句不是句子的焦点，不能回答why的提问，也不能用在强调句型中作为被强调的内容，有时可译作“既然”；because表示的语气最强，用来说明人所不知的原因，可用来回答why的提问。e.g.As youre an adult, you should be responsible for your own decisions. 你已经是成年人了，应该为自己的决定负责。Since we are young, we shouldnt be
29、 too afraid of making mistakes. 我们还年轻，不应该太害怕犯错误。You can trust these products because the quality never changes. 你可以对这些产品放心，因为它们的品质永远不会下降。*supply n. 供应，供给；提供e.g.Drinking water is in short supply in this area. 这个地区饮用水供应不足。The electricity supply was cut off because of the flood. 由于洪水，电力供应被切断了。supply还可以
30、作动词使用，意思是“提供，供应”， 常用于supply sb. with sth.或supply sth. to sb.的结构。e.g.Cows supply us with milk. 奶牛给我们提供牛奶。The dairy company supplies milk in bottles to each house every morning. 这家奶制品公司每天早上把瓶装牛奶送到各家各户。*decrease v. 减少，下降e.g.We can see that his interest in this subject is gradually decreasing. 我们能看出他对这门
31、学科的兴趣在逐渐减退。We should decrease the use of water. 我们应该少用点水。decrease的反义词是increase，意思是“增加”。*effort n. 努力该词表示一般性的努力（即表泛指意义）时，通常用作不可数名词。如用作可数名词则强调一次一次具体的努力。e.g.With great efforts, the frog jumped out of the well. 经过不懈地努力，青蛙终于跳出了这口井。（指一次一次具体的努力）His success depends upon his effort and ability. 他的成功取决于个人的努力和
32、能力。（泛指努力）4.The villagers renewed their efforts and started catching monkeys again. 村民们又燃起了热情，开始去抓猴子了。*renew v. （使）恢复，（使）复原e.g.Do you want to renew the contract we signed two years ago? 你想续签我们两年前签的那份合同吗？The traffic accident prompted her to renew her insurance. 这次交通事故促使她重续保险。5.The offer price increase
33、d to 25 dollars and the supply of monkeys became so small that it was an effort to even see a monkey, let alone catch it! 这时，求购猴子的单价上升到了每只25美元，猴子的数量变得更少了，要见到一只猴子都很难，更不用说捉到猴子了！offer price卖价；卖方报价与price相关的短语还有：market price市场价格，市价；wholesale price批发价；price index 物价指数；factory price 出厂价；price level 物价水平。so
34、that 如此以至于该词组当中使用形容词或副词，引导结果状语从句。e.g.The speech was so dull that I almost fell asleep. 演讲很沉闷，我几乎睡着了。It rained so heavily that we had to stay at home. 雨下得太大了，我们只得呆在家里。let alone 更不用说e.g.We cant afford a bicycle, let alone a car. 我们连自行车也买不起，更不用说汽车了。此外，let sb. alone表示“别理，别管，别烦扰，别干涉某人”。e.g.Let me alone!
35、别管我!6.However, since he had to go to the city on business, his assistant would now buy on his behalf. 但由于他本人要去城里处理一些事情，所以他的助手将代他进行买卖。since为连词，意思是“因为，由于”。具体用法参见Note 4。 on ones behalf 代表；为了的利益e.g.The President cant be here today, so Im going to speak on his behalf. 总裁今天不能来，所以我将代表他发言。Step Six: Writing
36、a spending survey reportA. Acquaint students with the new words or phrases given in the Mind Map.B. Have students look at the chart and find out the differences in spending between September and October. C. Ask students to think more of the differences by asking them two questions:a According to you
37、, are these differences something good or bad?b What leads to the differences in spending between September and October?c Do you have some advice for that?D. Have students write a report about these findings and provide some advice.Section Two: Successful Finance成功理财Step One: Starter Proverbs on mon
38、ey mattersA. Have students read the English proverbs on money matters. Then match them with their Chinese translations. B. Group student to discuss the meaning of these given proverbs.C. Have students choose their favorite proverb and ask them for the reason.Step Two: He is really somethingA. Have s
39、tudents listen to the tape or CD and complete each sentence.B. Check answers with students and explain the language points.C. Re-play the tape or CD and ask students to make a conclusion of the reasons for Thomass success.a He works hard. b He is good at investment.c He is cautious when investing.No
40、tes 1.Make a sound budget 制定合理的预算此处sound的意思是“合理的，正确的”，如：give a sound explanation 作出合理的解释。 e.g.I believe that its sound for boys and girls to have basically the same education. 我认为男女应接受基本相同的教育。2.He always seems to have money to burn. 他看上去总是有花不完的钱。 have sth. to do表示有某事可做，其中to do是不定式作名词后置定语。 e.g.I have
41、 some books to read. 我有些书要读。3.But he deserves it. 但是这是他应得的。deserve v. 值得，应得；应受e.g.He has been so awful that he really deserves whatever he gets. 他坏透了，真是罪有应得。 If you do wrong, you deserve to be punished. 你如果做错事，就应当受罚。 deserve well from sb. 应该受到某人好的待遇e.g.She deserves well from her employer. 她应该受到老板的善待
42、。4.Hes really something! 他真是个了不起的人物！此处something指“出色的或重要的人或物”。e.g.Theres something in what you said. 你说的有些道理。Theory is something, but practice is everything. 理论虽重要, 但实践更重要。Step Three: A good budget will workA. Have students listen to the tape or CD and choose the right budget chart. B. Check the answ
43、ers with students and explain the language points.C. Ask students more questions to check their understanding of the listening material such as :a How much does John spend on gas, water, electricity and TV every month? b Does John often eat out? Notes 1.A good budget will work! 一项好的预算很有用！此处work的意思是“
44、起作用，有效果”。e.g.The medicine worked soon. 这个药很快就起作用了。work同样可作及物动词，表示“产生效果”。e.g.We can see that the plan worked badly. 我们能看出这个计划造成了危害。 2.Uh, I pay a monthly rent of $900, including gas, water, electricity and TV. 呃，我每月房租900美元，包括煤气、水、电和电视费。*gas n. 煤气，天然气；气体；汽油e.g.I smell gas; there must be a leak. 我闻到煤气味
45、，肯定漏气了。Is there a gas station nearby? 附近有加油站吗?gas表示“汽油”是美式英语用法，即gasoline的缩略语。英式英语中汽油是petrol。与gas搭配的短语：gas burner 煤气炉；gas explosion 瓦斯爆炸；gas mask防毒面罩；gas mixture气体混合物；step on the gas 踩油门，加油 3.I often dine out, so those expenses add up. 我经常外出就餐，那些费用是合理的。*dine vi. 吃饭，进餐e.g.When do you dine? 你们什么时候吃饭?di
46、ne out表示“下馆子，外出吃饭”，其反义词组为dine in（在家吃饭）。注意：diner表示“食客，吃饭的人”，而dinner的意思是“正餐”。add up 是合理的；是对的e.g.His words about the theft simply did not add up. 他关于这起偷窃案的说法绝对有问题。These figures dont add up right. Do it again. 这些数字加起来不对，重新加一遍。add up还可表示“把合计”。 e.g.He weighed each stone and then added up all the weights.
47、他称了每块石头的重量，然后将所有的重量加起来。 add up to的意思是“合计为”。e.g.The bills add up to exactly $100. 这些账单加起来正好是100美元。Step Four: How to spend lifetime incomeA. Group students to list their own monthly spending in detail.B. Ask students the question “What change do you want to make in your spending?” and ask them for the reasons to support their ideas.C. Invite one student from each group to report their final result to the class.D. Have students to look at the picture about how an avera