loading4 Banks offer higher interest rates so we increase savings. Then the same banks send us credit card offers so we can spend more. (Para. 1) Meaning beyond words: Here is the\and, on the other hand, they want us to save more. While the banks offer high interest rates to attract us to deposit money, they send us credit cards to encourage us to spend. 5 Here's another familiar example: If we don't pay our credit card bill on time, we get demanding, nasty emails from the credit card company saying something like: \failure to pay is unacceptable. Pay immediately or you'll be in trouble!\Meaning: If we fail to pay our credit card billion time, the credit card company will send us harsh and unfriendly email messages to warn us that either we pay at once or we'II get penalties. . 6 Then, as soon as we pay, we get a follow-up email in a charming tone telling us how valuable a customer we are and encouraging us to resume spending. (Para. 2) Meaning: To lure us into more spending, once our credit card bill is paid, a follow-up email in an entirely different tone will be sent to us, claiming that we are valuable customers. 7. The paradox is that every day we get two sets of messages at odds with each other. (Para. 3) Meaning: The contradiction is that every day we get two sets of messages disagreeing with each other. 8 0ne is the \ get it now. You need this!\Meaning: One reflects a viewpoint of tolerance, \ 9 The other we could call an \message, which urges us, \hard and save. Suspend your desires. Avoid luxuries. Control your appetite for more than you truly need.\Meaning: We could call the other one an\stop having too many desires, avoid spending too much, and limit our purchases to what we really need. 10.This message comes to us from many sources: from school, from parents, even from political figures referring to \Meaning: We get this kind of message from many sources such as school, parents, and even politicians who like to talk about traditional values. 11. Advertisements invade our daily lives. We are constantly surrounded by the message to spend, spend, spend. (Para. 4) Meaning: Our daily lives are flooded with advertisements. Very often we find ourselves enclosed by advertisements that lure us into spending. 12. It's been calculated that by the age of 18, the average American will have seen 600,000 ads; by the age of 40, the total is almost one million (Para. 5) Meaning beyond words: Americans grow up seeing countless advertisements, and this continues throughout their life time. 13. Each advertisement is doing its utmost to influence our diverse buying decisions, from the breakfast cereal we eat to which cruise line we will use for our vacation. (Para. 5) Meaning beyond words: Advertisements are everywhere and have invaded people's life. 14. There is no shortage of ideas and things to buy (Para. 5) Meaning: There are plenty of ideas of whatto buy and how to spend money. shortage: 短缺；不足；缺乏 15 Now, of course, we don't remember exactly what the products were, but the essential message is cemented into our consciousness, \your desires. You should have what you want. You deserve the best. So, you should buy it - now!\ (Para. 5) Meaning beyond words: Advertisements are very effective in talking people into buying things. Though it's hard to remember all of the products in advertisements, these messages have already been hammered into our heads. The messages tell us that we deserve the bestand we are entitled to what we want. 16 A famous advertisement said it perfectly, \ makes me feel good. I derive pleasure from nice things and feel nourished by them. I used to put things off. Not anymore. Today I'll buy new ski equipment, look at new compact cars, and buy that camera I've always wanted. I live my dreams today, not tomorrow.\Meaning beyond words: The advertisement js trying to send out the message: It is no wrong for people to be self-centered and buy everything they want right now. Enjoy life today! The underlying purpose is to persuade people to spend. 17 What happens as we take in these contradictory but explicit messages? What are the psychological and social consequences of this campaign to control our spending habits? (Para. 6) Meaning beyond words: Since people are surrounded by these contradictory but clear messages, there must be some psychological and social consequences. For instance, some people may spend more while others may save more, depending on how much they get influenced. 18 0n one hand, we want more things because we want to satisfy our material appetite. Most of us derive pleasure from treating ourselves. (Para. 6) Meaning: Most of us become happy when we treat ourselves, so we always want to have more things to satisfy our material desires. 19. Anyway, many of the skills you need as a successful student can be applied to your finances. Consider your financial well-being as a key ingredient of your university education as money worries are extremely stressful and distracting. (Para. 7) Meaning beyond words: It is not difficult to avoid a financial disaster if you apply the skills you already have for being a successful student. Be aware that financial stability is of crucial importance to your college life since money worries could bring you down. 20. They can make you feel terrible and hinder your ability to focus on your prime objective: successfully completing your education. (Para. 7) Meaning: Money worries can make you feel terrible and distract you from your main objective: successfully completing your education at college. 21. How can you be a smart and educated consumer? Many schools, community organizations, and even some banks offer financial literacy classes. (Para. 8) Meaning: To become a consumer who is clever and acquires relevant knowledge, you can take some financial literacy classes where you learn basic concepts of finance. These courses are offered by many schools, community organizations and some banks.. 22. Consider consulting with your school's financial aid office or seek input from your parents or other respected adults in setting up a budget. (Para. 8) Meaning: In planning how to use your money wisely, you may discuss your financial situation with your school's financial aid office or get advice from your parents as well as from respected others. 23. An additional option is finding a partner to help you stay on track and find pleasure in the administration of your own financial affairs. (Para. 8) Meaning: Another choice is to find a partner who can help you stay in the right direction of your own financial management and get pleasure from doing it. 24. Most importantly, if you find yourself getting into financial trouble, don't let your ego get in your way; urgently get help with tackling your problem before it spins out of control and lands you in legal troubles. (Para. 8) Meaning: The most important thing is not to feel embarrassed to ask for help if you find yourself getting into financial trouble, and you should do it quickly to retain control and avoid breaking the law. 25.As you learn to balance spending and saving, you will become the captain of your own ship, steering your life in a successful and productive direction through the choppy waters. (Para. 9) Meaning: When you learn to keep a balance between spending and saving, you are in control of your own financial situation, which will lead you to a successful and productive life despite t:he twist’s and turns on your way to the financial goal. Note Here \captain of your own ship\is figuratively used.lt compares your capability to balance spending and saving to the situation of sailing in the sea. If you are in control of your financial situation, you, the captain, can surely steer your own ship of life smoothly. 步骤4 Step 4 问题讨论 Question discussing 1. How can students handle their money efficiently? 2. How do you know whether you are overspending or not? 3. What are some of the effective techniques used to promote the selling of various products? 步骤 5 Step 5 练习讲解 Review & Exercises 1.Review 2.Oral presentation --- Reproduction 3.. Exercises 4. Exercises 3,4,5,6,7 (Ss give answers and raise questions they may have and T explains the difficulties) 5.Exercises 8,9--- writing and translation. Assignments: 1) review Section A; 2) Exercises in Section B; 3) speed reading 步骤 6 Step 6 听力训练 Listening practice Assignments: 1) Review Unit 5; 2) Pair work --- practice model dialog in unit 5 in the Listening and Speaking Book; 3) Preview the new words in unit 6; ――――――――――――――――――――――――――― 自我评价问题Questions for Self-evaluation: 1.Can I understand the text fully? 2.Have I memorized the new vocabulary and can I put them into use? 3.Do I know how to write a comparison /contrast essay with the subject-by-subject pattern? 板书设计 Blackboard Layout Background Information 1. 2. 3