LTW4Unit2市公開課一等獎省賽課微課金獎?wù)n件

ListenThisWayBook4Unit2“Planting”MoneyPartIGettingreadyPartIINationalTeachChildrentoSaveDayPartIIISafeinvestingPartIVMoreaboutthetopic:HowMuchMoneyIsThereinYourSavingsAccount?

PartVDoyouknow...?PartVIIWatchandenjoy

1/40PartIGettingreadyThereisanoldjokeabouttheconflictingideasonmoney:Onepersonremarks,“Moneyistherootofallevil,”andhisfriendresponds,“Iknow,I’vebeenrootingforitallmylife.”Whatisyourview?2/40A.Thefollowingwordsandphraseswillappearinthisunit.Listencarefullyandstudythedefinitions.1.worseoff境況差，每況愈下2.betteroff富裕，經(jīng)濟(jì)情況好3.inherit繼承4.budget(n.)（收支）預(yù)算(v.)做預(yù)算，（為某目標(biāo)）存錢5.allowance津貼，補(bǔ)助，零用錢6.piggybank儲蓄罐，撲滿7.passbook銀行存折8.portfolio（個人或企業(yè)擁有不一樣種類）有價證券組合，投資組合，資產(chǎn)搭配9.annualreturn年收益，年利潤10.paycheck薪水，付薪水支票11.lottery彩票3/40B.Youaregoingtohearsomepeoplegivingtheiropinionsaboutwealthandpoverty.Whatwouldyoureplytothesepeople?(Thisisanopen-endedquestion.)*betteroffpeople富裕人群，經(jīng)濟(jì)情況好人*arainyday窮困日子，不如意日子Audioscript4/40C.Youaregoingtoheartenshortconversations.Payspecialattentiontothesecondspeakerineachconversationwhoreactstothefirstspeaker’sopinion.Listencarefullytothetoneofvoice.Tickalltheproperboxestoindicatethesecondspeaker’sresponse.*theCarribean加勒比海，是大西洋西部南北美洲之間一個海，它北部和東部邊緣是一連串從墨西哥灣一直延伸到委內(nèi)瑞拉島嶼（西印度群島），包含北部古巴、海地、多米尼加、牙買加、波多黎各和東部小安列斯群島。其南部是南美洲北部幾個國家，包含委內(nèi)瑞拉、哥倫比亞、和巴拿馬。其西部是中美洲大西洋沿岸國家，包含哥斯達(dá)黎加、尼加拉瓜、洪都拉斯、危地馬拉、伯利茲、及墨西哥尤卡坦半島。*atightbudget緊縮預(yù)算，手頭很緊5/40EmphaticSkeptical√√√√√√√√√√√√√√√√√√√√*著重，加強(qiáng)語氣*懷疑AudioscriptHomepage6/40PartIINationalTeachChildrentoSaveDayAsakid,heprobablyspendsaIlthemoneyhegetsasfastashecan.Bydoingthis,healsogetsa0%returnonhismoney.However,someofthekidsarealreadysavingtheirmoneyinabank.Thentheyareaheadofothers.7/40A.Listentothereport.Supplythemissinginformation.*aresourcekit資源工具包，輔導(dǎo)材料*nationalinitiative全國倡議，全國性行動計劃*fosterthesavingshabit培養(yǎng)存錢習(xí)慣*makedeposits存款*monthlystatement銀行每個月結(jié)單，銀行每個月對賬單*savingspassbook銀行儲蓄存折*multiply增加，增多8/40Thursday,April17teachingchildrenhowtosavemoney2,5005,000presentations9/40B.Nowlistenagain.Thefollowingaresomeofthetipsforparentstofosterthesavingshabitintheirchildren.MatchColumnA(Purpose)withColumnB(Howtodo).ColumnAColumnB1.Makingsavingsvisibleandreal__givingchildrenplaymoneyto“invest”instockstheycantrackinlocalnewspapers2.Encouragingchildrentosaveasmuchastheycan__givingchildrenanallowanceandpartofitgoingintotheirownsavings3.Afirststeptowardlearningtobudget__putting25centsawayforeverydollarthechildrenearn4.Afirststeptowardlearningtobudget__buildingupsavingsinapiggybank/openingchildren’sownbanksavingsaccount4321AudioscriptHomepage10/40PartIIISafeinvestingImaginethatyouhavewonalargesumofmoneyinacontest.Someofityoudecidetospend,butyoualsowanttoinvestapartforyourfinancialfutureandretirement.Whatwouldbethebestwaytoinvestyourmoneyforthesetimeperiods:sixmonths,twoyears,10years,15years,and30years?11/40A.Listentoanewsreportaboutsafeinvestingandanswerthequestions.*aroller-coasterride過山車式過程*minusyear虧損年份*weatherthestorm渡過難關(guān)，熬過困難時期12/401.Whatisthefirstguidelinetosmartinvesting?A.

Developingasavingsplan.B.

Settingupabankaccount.C.

Settingclearinvestinggoals.2.Whatisa“diversifiedportfolio”ofinvestmentsaccordingtoMr.Boros?A.

Awideselectionofinvestments.B.

Alimitedrangeofgrowthstocks.C.

Agroupoflowriskbondsandsecurities.

3.WhichkindofinvestmentwasNOTmentionedbyMr.Boros?A.

Mutualfunds.B.

Bonds.C.

Certificateofdeposits.*多樣化投資組合，多樣化資產(chǎn)組合*低風(fēng)險債權(quán)和證券*共同基金，互惠基金

*存款單，存款證實√√√13/404.Whatisthethirdguidelinetosmartinvesting?A.InvestingintheNewYorkStockExchange.B.Developingapracticalattitudetowardsgains.C.Savingatleast11%ofearningsayear.5.Peopleshouldinvestlongtermbecause:A.Themarkethasbothupanddownyears.B.Youcanearnbiggerguaranteedreturns.C.30%returnscanbeachievedwiththerightstocks.√√Audioscript14/40B.Listentoamini-talkaboutsomeconceptsofinvesting.Completethechart.*lemonade檸檬汁*aBigMac巨無霸（麥當(dāng)勞一個漢堡）*downside缺點(diǎn)，不利一面15/40EarnmoneyAllowance________Services____________SpendInvestmoneyReasons:?Stayaheadof_________—increaseof_______?Achieve_______goals?a.short-termgoalsb.__________goalsThedownside:Riskof________moneySaveYESNOGiftsSellinggoodsinflationpricesfinanciallong-termlosing*通貨膨脹AudioscriptHomepage16/40PartIVMoreaboutthetopic:HowMuchMoneyIsThereinYourSavingsAccount? I.O.U.S.A.isanAmericandocumentaryfilmthatfocusesontheshapeandimpactoftheUnitedStates’nationaldebt.ThefilmdescribessystematicallyfourseriousdeficitsshapingtheU.S.economy:budget,savings,trade,andleadership.*deficits赤字，逆差17/40InthissectionyouwilllearnsomethingaboutthepersonalsavingssituationintheUnitedStates.Afterlistening,answerthefollowingquestions.*moneywise金錢方面*livepaychecktopaycheck月光族*fiscalpolicy財政政策*makeprovisionfor為預(yù)先采取辦法，為做好準(zhǔn)備18/401.Whatisthetitleofthebookthemanistryingtopromote?_______________________________________2.Amongalltheinterviewees,howmuchisthebiggestamountofmoneyintheirsavingsaccount?__________________________________________________3.WhatarethethreetypesofpeopleinU.S.?a._______________________________________b._______________________________________c._______________________________________4.AccordingtoAlanGreenspan,whatistheultimategoaloftheFederalReserve?_______________________________________________________________5.Accordingtothereporter,whatwilltoomucheasycreditfortoolongresultin?_________________________________________Don’tBuyStuffYouCannotAfford.Aboutonethousanddollars.Thosewhosavedandinvest;Thosewhocouldeasilysavemorebutchoosenotto;Thoseforwhomsavingsisdifficult.Togetahighlevelofrealmaterialwell-beingbysettingaplatformofstability.Afalsesenseofwealth.*美國聯(lián)邦貯備局，美聯(lián)儲*寬松信貸政策AudioscriptHomepage19/40PartVDoyouknow...?Therearefewofuswhohaveneverdreamedaboutwhatwewoulddoifwewonalotteryticketworthmillionsofdollars.Yetinthemeanwhile,wealsohearlotsofstoriesoflotterywinnersgonebad.Accordingtoseveralacademicstudies,suddenwealthonlyexaggeratesyourcurrentsituation.Ifyou’reunhappy,badwithmoneyandsurroundedbypeopleyoudon’ttrust,moneywillmakethoseproblemsworse.Ifyou’refulfilled,carefulwithmoneyandenjoyalifeofstrongrelationships,thelotterycouldmakethosestrengthsbetter.*alotteryticket彩票*exaggerates放大，夸大，擴(kuò)大20/40A.ListentoanewsreportaboutaHungarianwinningalotteryticket.Beforelistening,answerthepre-listeningquestions.Afterlistening,answerthepost-listeningquestion.Makeacomparisonbetweentheanswers.*Budapest布達(dá)佩斯，匈牙利首都*letthewealthgotohishead被這筆財富沖昏了頭腦*thetenderage幼年，未成熟之年21/40Pre-listeningquestions:1.Haveyoueverdreamedofwinningalotteryticket?Ifyouwonalotteryticketworthmillionsofdollars,whatwouldyoudo?2.Haveyoueverheardofanyonewinningalotteryticket?Whatdidtheydowiththemoney?Post-listeningquestion:WhatdidtheHungariandowiththemoneyafterhewonthelotteryticket?a.____________________________________b.boughtthefirstcarinhislife;c.________________________d._________________donatealargesumtoahomelesshostel;boughtanewhouse;enjoylife.*匈牙利人*為無家可歸人提供住宿旅館，流浪者之家Audioscript22/40B.Nowlistentoanothernewsreportaboutalotteryticket.Decidewhetherthestatementsafterthereportaretrueorfalse.Put“T”or“F”inthebrackets.*dilemma兩難境地，到兩難*resolve處理*putmyselfinhisshoes設(shè)身處地為他著想，站在他角度來思索*asinglebet單式投注*amultiplebet復(fù)式投注，是彩票銷售過程中一個投注方式，相對于單式投注而言，指彩民在購置彩票時，選擇超出常規(guī)開獎號碼個數(shù)，并組成一組投注方式23/401.（）

2.（）

3.（）4.（）

5.（）

6.（）*Thelotteryticketisworth4.7millionEuros.*ManuelReijaGonzalezhandedinthelotteryticketimmediatelyafterhefoundit.*ManuelReijaGonzalezhandedinthelotteryticketbecausehewantstobeabletosleepwellatnightwithaclearconscience.*Sixpeoplecametoclaimthelotteryticket.AudioscriptStatementsHomepageFFFTFT24/40PartVIIWatchandenjoy*sequel續(xù)集*economicdownturn經(jīng)濟(jì)滑坡，經(jīng)濟(jì)衰退*bartender酒保，調(diào)酒師*aplasmaTV等離子電視*SUV城市越野車，運(yùn)動型多用途車*hedgefunders對沖基金投資人，套頭交易基金投資人*leveraging進(jìn)行杠桿式投機(jī)，利用貸款進(jìn)行投機(jī)*Kool-Aid酷愛牌果味混合飲料*steroid類固醇，激素*staysane保持清醒，保持理智*nuts瘋子，傻子*speculation投機(jī)*tothehilt最大程度，完全，徹底*malignant有害25/40FemaleProfessor:Inoneoftheharshestsentencesevergiventoa__________criminalatthattime,in1993,hewassentofftoOtisFederalPrisonforalmost______years.Andso,hereinperson,Iwelcomethemanhimself,Mr.______,GordonGekko.

GordonGekko:Thankyou.You’reallprettymuchfucked.Youdon’tknowityet,butyou’retheNINJAgeneration.No_________.No______.No________.Yougotalottolookforwardto.Jake’sfriend: Blood,buddy.He’sgonnabeyourblood.GordonGekko:SomeoneremindedmetheothereveningthatIoncesaid,“______isgood.”Nowitseemsit’s______.But,folks,youknowit’sgreedthatmakesmybartenderbuy____________hecan’taffordwithnomoneydown.Andit’sgreedthatmakesyourparentsrefinancetheir$200,000housefor_____.Andthentheytakethatextra50andtheygodowntothe_____.AndtheybuyaplasmaTV,cellphones,computers,anSUV.Andhey,whynota____________whilewe’reatit?Because,geewhiz,weallknowthatpricesofhousesinAmericaalways_______,right?

goupsecondhomemall250threehouseslegalGreedassetsjobincomeInsidereightwhitecollar26/40GordonGekko:Andit’sgreedthatmakesthegovernmentinthiscountrycuttheinterestratesto__________,after9/11.Sowecouldallgoshoppingagain.Theygotallthesefancynamesfortrillionsofdollarsof______.CMOs,CDOs,SIVs,ABSs.Youknow,Ihonestlythinkthere’smaybeonly75peopleintheworldwhoknowwhattheyare.ButI’lltellyouwhattheyare.They’reWMDs.____________________________.That’swhattheyare.WhenIwasaway,itseemedlikegreedgotgreedierwithalittlebitof_____mixedin.Hedgefunderswerewalkinghomewith50,100millionbucksayear.SoMr.Banker,helooksaround,andhesays,“Mylifelooksprettyboring.”Sohestartsleveraginghisinterestsupto40,50toonewithyourmoney.Nothis,yours.Becausehecould.You’resupposedtobe__________,notthem.Andthebeautyofthedeal,nooneis__________.Becauseeverybody’sdrinkingthesameKool-Aid.Lastyear,ladiesandgentlemen,___________ofallAmericancorporateprofitscamefrom_______________.Notproduction,notanythingremotelytodowiththeneedsoftheAmericanpublic.Thetruthis,we’reallpartofitnow.Banks,consumers,we’removingmoneyaround___________.Wetakeabuck,weshootitfullofsteroids,andwecallit“_________”.Icallit“steroidbanking”.I’vebeenconsideredaprettysmartguywhenitcomestofinance.leverageWeaponsofMassDestructioncreditone-percentincirclesfinancialservicesfortypercentresponsibleborrowingenvy27/40Jake: Thatwasfantastic,man.GordonGekko:AndmaybeIwasinprisontoolong.Butsometimesit’stheonlyplacetostay______andlookoutthroughthosebarsandsay,“Hey!Iseverybodyoutthere_____?”It’sclearasabelltothosethatpayattention.Themotherofallevilis__________.Leverageddebt.Bottomline.It’sborrowingtothehilt.AndIhatetotellyouthis,butit’sa__________businessmodel.Itwon’twork.It’ssystemic,malignant,andit’s______.Likecancer.It’sadisease,andwegotto__________.Howarewegonnadothat?Howarewegonnaleveragethatdiseasebackinourfavor?Well,I’lltellyou.Threewords.___________.Pricesandprofitswork.BuymybookfightbackglobalbankruptspeculationnutssaneHomepage28/40Narrator: Whatwouldyoureplytothesepeople?Man: Well,asIseeit,millionsofpeopleintheworldareworseoffthanus,butthere’snothingwecandoaboutit.Woman: I’dsaythatifyoudohaveplentyofmoney,there’snopointinspendingitonprivateeducationforyourchildren.Man: Itseemstomethattheonlywaytohelpthepoorintheworldistofindwaysofhelpingthemtohelpthemselves....er...not...by...er...givingthemfreefood.Woman: Ifyouaskme,taxesforrichpeopleshouldbereallyhigh—95%orsomething—sothateveryoneisatthesameeconomiclevel.Man: Er...inmyviewit…it’sworthmakingalotofmoney...er…sothatyoucanleaveittoyourchildrenwhenyoudie.Man: Don’tyouagreethatifpeoplearestarvingorhavenowheretolive,it’sthedutyofbetteroffpeopletogivethemfoodandshelter?Woman: Look,let’sfaceit,there’sonlyonereasonwhypeopleworkandthat’stomakeasmuchmoneyaspossible.Man: Surely,aslongasyou’vegotenoughtoliveon,there’snopointinmakingmoreandmoremoney.Woman: Ifyou’reearningagoodsalary,surelyyoushouldsaveasmuchasyoucanforarainyday.Man: Imustsaythatonethingiscertain:moneydoesn’tbuyhappiness.Audioscript29/40Narrator: You’llhearsomepeoplereactingtovariousopinions—decideiftheyareagreeingordisagreeingwiththeopinionsexpressed.Payattentiontothetoneofvoicetheyuse.1.Woman: Aren’tyougladyou’renotamillionaire?

Man: Sure!2.Man: Don’tyouwishyoucouldaffordtospendyourholidaysintheCaribbean?Woman: Mm,ye-es.3.Woman: It’snotworthsavingyourmoney,it’sbettertospendit.

Man: Oh,sure!4.Man: It’sbettertobehappythanrich.Woman: Hmm.5.Woman: Well,basically,inajobthemostimportantthingishowmuchyouearn.Man: Oh,yes!6.Man: It’sreallyimportanttosavealittlemoneyeverymonth—youneverknowwhenyoumightneedit.Woman: Idon’tknowaboutthat!7.Man: Theonlywaytosurviveonatightbudgetistokeeparecordofallyourexpenses.

Man: Idon’tknowaboutthat!8.Woman:Childrenthesedaysgetfartoomuchpocketmoney.Woman:Mmm!9.Woman: Inafamilyitshouldbethemotherthatcontrolsthebudget.Woman:Yes!10.Man: IfIinheritedalotofmoneyitwouldn’tchangemylifeatall.Man: Oh,yes!Audioscript30/40OnThursday,April17th,“NationalTeachChildrentoSaveDay”,2,500bankerswillmake5,000presentationsinelementaryschoolclassroomsacrossthecountrytoteachchildrenhowtosavemoney.?“Bankersarecommittedtoinvestinginthefutureofchildrenbecausewewantthemtobeabletomakesmartfinancialdecisionsthroughouttheirlifetime,’’saidAmericanBankersAssociationExecutiveVicePresidentDonaldG.Ogilvie,“Educationandmoneymanagementskillsarekeystoabetterlife.’’?TheABAEducationFoundationdeclared“NationalTeachChildrentoSaveDay’’asawaytoshowbankingindustrysupportforteachingchildrenmoneymanagementskillsandencouragingthemtosavemoneyforthefuture.?TheFoundationcoordinatedagreateffortwithstatebankersassociationstoencouragebankerstoparticipatein“NationalTeachChildrentoSaveDay’’.Italsopreparedaresourcekitwithtoolstohelpbankersmakepresentationsinclassrooms.Morethan125,000studentswillbepartofthisnationalinitiative.?TheABAEducationFoundationalsoofferstipsforparentstofosterthesavingshabitintheirchildren:?Givethemanallowancewiththeunderstandingthatpartofitgoesintotheirownsavings—afirststeptowardslearningtobudget.?Tomaketheirsavingsvisibleandreal,havethembuildupsavingsinapiggybank.Thenhelpthemopentheirownbanksavingsaccount,andhavethemmakedepositseachmonth.31/40?Usetheirmonthlystatements,ortherecordintheirsavingspassbooks,toshowthemhowtheirmoneyismultiplying.?Foreverydollaryourchildrenearn,encouragethemtospend25centsonwhattheywantorneednow,put25centsawayforabigger-itempurchaselaterandsaveorinvesttherest.(That’sa50%savingsrate!)?Makesavingsandinvestingfun.Giveyourchildrenplaymoneyto“invest’’instockstheycantrackinlocalnewspapers.Ifthestocksgoup,paytheminmoreplaymoney;ifthestocksdecline,theypayyou.Audioscript32/40Hi,I’mGeorgeBoros.Haveyoualwayswantedtoinvest,butdidn’tknowwheretogetstarted?We’reheretodaytopresentyouwiththreebasicguidelinestosmartinvesting,foryourfuture.?Numberoneistohavecleargoals.Decidehowmanyyearsyouwillinvestfor,andwhatyourneedswillbeinthefuture.?Numbertwoistounderstandtherangeofpossibilities.You’llwantadiversifiedportfolio:onewithamixofstocks,mutualfunds,bonds,andcash.It’sajungleoutthere.Eachoftheseproductshasdifferentrisksassociatedwiththemandalsodifferentpotentialrewards.Understandthembeforeyoubuy,sotherewon’tbeanybigsurpriseslater.?Finally,numberthreeistohaverealisticexpectations.AsourfriendLeonardodaVincisaidintheyear1500:“Hewhowishestoberichinadaywillbehangedinayear.”?Overthepastseveralyears,NewYorkstockshaveaveraged30%annualreturns,butdon’tcountonthiscontinuing.Whileit’struethatsincetheyear1900,stockshaveaveragedan11%annualreturn,it’saroller-coasterridewithmanyminusyearsaswell,soyouhavetostayinforthelongterm—youhavetoweatherthestorm—andnotbetoogreedy.Well,let’sgetstartedandhappyhunting!Audioscript33/40Investingisawaytomakemoneywithyourmoney.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.Audioscript34/40Man1: DidyouknowmillionsofAmericanslivewithadebttheycannotcontrol?That’swhyIdevelopedthisuniquenewprogramformanagingyourdebt.It’scalledDon’tBuyStuffYouCannotAfford.Wife: Wow,letmeseethat.Ifyoudon’thaveanymoney,youshouldnotbuyanything.Hmm,soundsinteresting!Husband:Soundsconfusing!Wife: Idon’tknow,honey.Thismakesalotofsense.There’sawholesectionhere.Howtobuyexpensivethingsusingmoneyyousaved.Husband:Givemethat.Andwherewouldyougetthis“saved”money?Interviewer:Howmuchmoneydoyouguyshaveinyoursavingsaccount?Boy1: Uh,coupleofhundredbucks.Boy2: Uh...aboutathousand,maybe.Girl1: Areyoutalkingaboutmoneywise?Girl2: Iendupusingmostmoneyinmysavingsaccount,soitdoesn’tlooklikewhereIcanusethissavingsaccount.I’mnotactuallysavinganything.I’mjuststoringathing.Girl3: Ithinkmostpeoplecansaythattheylivepaychecktopaycheck.Agoodmajorityofusdo.Narrator: Therearethreetypesofpeopleinourcountry.Thosewhosaveandinvest.Thosewhocouldeasilysavemorebutchoosenotto.Andthoseforwhomsavingsisverydifficult.IfFederalReservepolicycreatesstrongeconomicgrowthandkeepsinflationlow,everyonecanbenefit.However,ifinflationrises,peoplewhoarelesswelloffwillsuffermore.35/40AlanGreenspan:TheFederalReserveseekssolelytogetashighalevelofrealmaterialwell-beingaswecanbysettingaplatformofstability.Wecannotpickandchooseamongstvariousareasofthepopulationbecausewejusthavenomeansofdoingthat.Iffiscalpolicyis(has)lacks,orsavingsareexceptionallylow,thereisnothingmonetarypolicyoranycentralbankcandoaboutthat.Wecannotliveinthepresentonly.Humanbeingscannotsurviveunlesstheycreateprovisionforthefuture.Narrator:Americansmuststarttosaveagain.Andtheyneedtoinvestthosesavingstohelpcreateabetterfutureforthemselves,theirfamilies,andourcountry.Atthesametime,Americansneedtoknowthatthemoneythattheyaresavingwillholditsvalue.Toomucheasycreditfortoolongcancreateafalsesenseofwealth.NooneplaysamoreimportantroleinallofthisthantheFederalReserve.Husband:IthinkIgotit.IbuysomethingIwant,andthenhopethatIcanpayforit.Right?Man: No.Youmakesureyouhavemoney,thenyoubuyit.Husband:Oh!Thenyoubuyit!Butshouldn’tyoubuyitbeforeyouhavethemoney?Man: No.Wife: Whynot?Man: It’sinthebook.It’sonlyonepagelong.Theadviceispriceless,andthebookisfree.Wife: Well,Ilikethesoundofthat.Husband:Yeah.Wecanputitonourcreditcard.Narrator:So,getoutofdebtnow.WriteforyourfreecopyofDon’tBuyStuffYouCannotAfford.Ifyouordernow,you’llalsoreceiveSeriously,IfYouDon’tHavetheMoney,Don’tBuyIt.Audioscript36/40AnunemployedandhomelessHungarianmanhasbecomeoneofthecountry’sbiggestlotterywinners.Hespentadollarontheticketandwonmorethan2.5milliondollars.NickThorpeinBudapesthasbeentellingusmore.?ThisactuallyhappenedinSeptember,whichwa