全新版大學高階英語：綜合教程 第3冊Unit 3 Managing Personal Finances課件

Unit3ManagingPersonalFinancesLearningObjectives

MoralSkillslanguageAchieveathoroughunderstandingofhowtoproperlymanagepersonalfinancesBuildawarenessofdevelopinggoodspendinghabitsApplyusingflashbacksinnarrativewritingDevelopcriticalthinkingabilitiesGrasp

keylanguagepointsandtheirusageincontextPart

2InReadingPart

3AfterReadingPart

4CriticalThinkingCONTENTSPart

5CultureFocusPart

6HomeReadingBeforeReadingManagingPersonalFinances1.Quotations2.ViewingandComprehension3.DiscussionBackBeforeReading1.Happinessisnotinthemerepossessionofmoney;itliesinthejoyofachievement,inthethrillofcreativeeffort.

—FranklinD.Roosevelt

2.Thatmanisrichestwhosepleasuresarethecheapest.

—HenryThoreau

3.Moneyisagoodservantandabadmaster.

—FrancisBacon

能處處尋求快樂的人才是最富有的人?！嗬?梭羅金錢是善仆，也是惡主。

—弗朗西斯?培根幸福不在于僅僅擁有金錢，而在于取得成就時的喜悅和創(chuàng)造性勞動帶來的興奮、激動?！惶m克林?D?羅斯WatchthevideoclipHowtoBuildaStrongFinancialFoundationDuringCollegeYearsandanswerthefollowingquestions.BeforeReading1.Whatdoesthephrase“intheblack”mostprobablymean?

2.Accordingtothevideo,whatarethethreestepscollegestudentscantaketomanagetheirmoneyresponsibly?

3.Whatelsecancollegestudentsdotostayingoodfinancialshape?

BeforeReading“Intheblack”meanshavingmoneyinyourbankaccount.Collegestudentscantakeafewsmartmoves.Thefirststepistocreateabudget.Next,theyneedtocontroltheirimpulsesandlimittheirspending.It’salsoimportanttostartbuildingagoodcreditrating.So,studentsshouldkeeponecreditcard,butuseitsparingly,andpaythebalanceinfullandontime.Studentscankeeptrackofwhatthey’vepaidoutandwhattheyhaveleftintheiraccount(s).Ifpossible,theymayalsofindapart-timejobtogetsomeextramoneyandgainvaluableworkexperience.(Answersmayvary.)Discussinpairs.1.Howmuchareyourmonthlylivingexpenses?2.Whatcostsmostofyourdailyexpenses?3.Whatistheprimarysourceofyourdailyexpenses?4.Doyouhaveadailybudget?Doyoukeeptrackofyourdailyexpenses?BeforeReadingInReadingGlobal

ReadingDetailed

ReadingInReading–GlobalReadingAttractionsofManhattan________buildingsmassive,______residencesdrinking____________having_________conversationslivinginan________waymanyart-movie_______24-hour_______gorgeousornateginandtoxicsinterestingauthentichousestakeoutInReading–GlobalReadingHowtheauthor’sManhattandreamturnedintoanightmare?Manhattanisthemost_________cityintheUS.Shewantedto__________________,despiteherlowincome.Sheentereda_______________,whichwasarichperson’sdecision.Shethought__________________________werethepointofbeingyoung,thepointoflivinginNewYork,andthepointofliving.Shedidn’trecognizethatshewas______likearichpersonwhenshewasbecomingincreasingly_____.expensivekeepupappearancesgraduateprogramMartinisandexpensivedinnersactingpoorInReading–DetailedReadingMyMisspentYouth

by

MeghanDaumAfewmonthsago,IwaswalkingdownWestEndAvenue,inManhattan,andIrememberedwithasadnessthatnearlyknockedmeoffmyfeetjustwhyI’dcometoNewYorksevenyearsago,andwhyIwasnowabouttoleave.CertainkindsofbuildingsseemalmosttoogorgeoustoexistandI’mstillamazedthatmassive,ornateresidenceslike838WestEndAvenuereceivemailandspillkidsoutoftheirfrontdoorslikeprettymuchanyhomeanywhere.WhenIwasgrowingupinnorthernNewJerseyIhadnoideathatordinarypeoplecouldliveinsuchplaces.Then,whenIwasseventeen,IwalkedintoanapartmentatWestEndAvenueand104thStreetanddecidedthatIhadtobeoneofthosepeople.Itwasthesummerof1987,andIwaslearninghowtodriveacar.Myfather,whoisacomposer,hadallowedmetodrivehimtoManhattaninourPlymouthHorizontodropoffsomescoreswithamusiccopyist.Therewasnothingparticularlystrikingaboutthecopyist’sapartment:itwasaInReading–DetailedReadingmodestfour-roomprewarwithmoldingsaroundtheceiling.Probablynotveryexpensive.Butonthatsummernight,lookingouttheliving-roomwindowtowardtheriverthatsofamouslyandeffectivelykeepsheresafelyawayfromthere,moneywasthelastthingonmymind;IjustknewthatthiswaswhereIwantedtolive,andfromthatmomentoneverydecisionImadewasbasedonthatconviction.

I’vealwaysbeensomebodywhoexertsagreatdealofenergytogetmyrealitiestomatchmyfantasies.I’malsoprettygoodat“gettingby”—especiallyifyouapplyInReading–DetailedReadingtheincreasinglycommondefinitionoftheterm,whichhasmoretodowithkeepingupappearancesthanwithkeepingthingsundercontrol.Soitwasn’tuntilrecentlythatIrealizedIwasn’thavingsuchagoodtimeinNewYorkanymore.LikeasocialsmokerwhosesupposedlyendearingdesiretoemulateMarleneDietrichhaslandedherinacancerward,Ihaverecentlywokenuptothefrighteningfalloutofmyownromanticnotionsoflifeinthebigcity:I’mtwenty-nineyearsold,andIamcompletelyovermyheadindebt.IliveinthemostexpensivecityinthecountrybecauseInReading–DetailedReading

Ihavelongbelievedthatmycareerisdependentuponit.IspendmoneyonMartinisandexpensivedinnersbecause,asistypicalamongmyspeciesofdebtor,ItellmyselfthatMartinisandexpensivedinnersaretheentirepoint—thepointofbeingyoung,thepointoflivinginNewYorkCity,thepointofliving.Inthisframeofmind,thedollarsspent,liketheworkingsofamachinewhichnoonebotherstounderstand,becomeanabstraction,avehicleoftaste.

AsItrytosortouttheoriginsofmypresentfinancialsituation,IalwayscomebacktotheindescribableyearningInReading–DetailedReadingIhadasateenagerforsomesortof“intellectual”lifestyle.IcomefromanaffluentNewJerseysuburbwhosemaindrawisitsgoodpublic-schoolsystem,butIwantedtolivesomeplacewheresmartpeoplesatarounddrinkingginandtonics,havinginterestingconversations,andliving,accordingtomylogic,inanauthenticway.WhenIgraduated,in1992,IfollowedaherdofmyclassmatesintoManhattan.Igotanentry-leveljobinpublishing,and,alongwithacoupleoffriends,rentedafive-roomprewarapartmentwithchippingpainton100thInReading–DetailedReadingStreetoffRiversideDrive.Myjob,asaneditorialassistantataglossyfashionmagazine,paideighteenthousanddollarsayear.ThewomanwhohiredmetoldmethatshehopedIhadanindependentsourceofincome,asIcertainlywouldn’tbeabletosupportmyselfonmysalary.ButIdidsupportmyself.Myroommates—anelementary-schoolteacher,whowasmakingnineteenthousanddollarsayear,andafilmstudent,whoworkedparttimeatanon-profitartsorganization—supportedthemselves,too.WeeachpaidaroundfivehundredandfiftydollarsamonthinrentandlivedasrecentgraduatesInReading–DetailedReadingshould,eatingramennoodlesandninety-nine-centWhiteRosemacaroniandcheese.Lookingback,Iseethoseyearsasacheap,happytime.Itwasatimeduringwhichacertainkindofpovertywasappropriate.UnliketheWestSeventiesandEighties,myneighborhoodseemedlikeaplaceforpeoplewhoknewthecity,forpeoplefromthecity.ThoughIwaslivinghandtomouth,Iloveditthere,andlookedforwardtomovingaheadinmycareerandonedaybeingabletoaffordmyownplaceintheneighborhood.InReading–DetailedReadingTheyearIenteredgraduateschoolwastheyearIbeganmakingarichperson’sdecisions.Enteringthisparticulargraduateprogramwasarichperson’sdecision.RemainingtherewhenitbecameclearthatIwasnotgoingtogetanyscholarshipmoney,andthattheclassschedulewouldpreventmefromholdingdownadayjob,wasalsoarichperson’sdecision.

Butit’shardtorecognizethatyou’reactinglikearichpersonwhenyou’rebecomingincreasinglypoor.Besides,Iwasneverwithoutajob.Iworkedforananthropologyprofessorforninedollarsanhour.IreadmanuscriptsattenInReading–DetailedReadingdollarsapopforaliteraryagent.Iworkedatauniversitypressfortendollarsanhour.SometimesIcalledinsicktothesejobsanddidtempworkatmidtownofficesforseventeendollarsanhour.Acoupleoftimes,Itookoutcashadvancesonmycreditcardstopaytherent.Therewasaperiodduringaparticularlymiserablewinter,in1994,whenItriedtomakeitthroughthreeweeksonthirty-fourdollars,walkingsixteenblockstoschoolinsubzerotemperaturesandstealingmyroommates’food,hopingtheywouldn’tnotice.Oneday,Islippedontheicethreetimes,gotinacab,anddecidedtotakeoutaprivateInReading–DetailedReadingloanfromColumbiafortwothousandfivehundreddollars.Athousandofitwenttopayoffpartofacreditcard.Iuseduptherestwithinamonth.AsIwasfinishingatColumbia,however,Ibegantogetsomefreelancework,soIcontinuedtohedgemybets.Iwaspublishingmagazinearticlesregularlyand,afterafewmonthsoftempingatinsurancecompaniesandbanks,scoredsomesteadyassignmentsthat,tomydelight,allowedmetoworkasafull-timefreelancewriter.Afterfiveyearsandeightdifferentroommatesinthe100thStreetapartment,Iwasearningenoughmoneytomoveintomyownplace.InReading–DetailedReadingIn1997,Iwastwenty-seven,teachingawritingcourseatN.Y.U.,publishinginavarietyofmagazines,andearningaboutfifty-fivethousanddollarsbeforetaxes.(Theteachingjobpaidonlytwenty-fivehundreddollarsforanentiresemester,butIwastooenamoredoftheideaofbeingacollegeinstructortowonderifIcouldaffordtotakeit.)

ItwasaroundthistimethatIstartedhavingtroublethinkingaboutanythingotherthanhowtomakeapaymentonwhateverbillwassittingonmydesk,mostlikelyweeksoverdue,atanygiventime.IbegangettingInReading–DetailedReadingfinaldisconnectionnoticesfromthephonecompany,lettersfromthegascompanyasking“Haveyouforgottenus?,”andcollectioncallsfromVisa.Inoticedthatdespitehavingfollowedtheurbanstriver’sguidetosuccess,Iwasmorethanseventy-fivethousanddollarsinthehole.Severalmonthsago,onadaywhenthedebtanxietyhadflaredupevenmorethanusual,IfoundmyselffantasizingaboutmovingtoLincolnNebraska.I’dbeentoLincolntwiceonamagazineassignment,metsomenicepeople,andfoundmyselflikingitenoughtoentertaintheInReading–DetailedReadingnotionofmovingthere.ButbothtimesI’ddiscardedtheideatheminutethewheelshitthetarmacatLaGuardia.SurelyI’dneverbeabletolivewithoutart-moviehousesandtwenty-four-hourtakeout.Duringmylastroundofpanic,however,Iconvincedmyselfthatitwasagoodplan.Icanrentanapartmentthereforthreehundreddollarsamonth.Icanrentanentirehouse,ifIwantone,forsevenhundreddollars.Full-coveragehealthinsurancewillcostmeseventy-fivedollarsamonth.Apparently,peopleinNebraskaalsolistentoNPR,andthereareevenplacestoInReading–DetailedReadingliveinLincolnthathaveoakfloors.HadIknownthatbefore,ImighthaveskippedoutonthisNewYorkthingaltogetherandsparedmyselfthefinancialandpsychologicalordeal.ButI’mkindofgladIdidn’tknow,becauseI’vehadavery,verygoodtimehere.I’mjustleavingthepartybeforethecopsbreakitup.InReading–DetailedReadingFurtherUnderstandingQuestions1.Whatdoestheauthormeanbysayingthatsheisprettygoodat“gettingby”?2.AsateenagegrowingupinarichNewJerseysuburb,wheredidtheauthorwanttolive?InReading–DetailedReadingTheauthormeansthatsheismuchbetteratkeepingupappearancesthanwithkeepingthingsundercontrol.Shewantedtolivesomeplacewheresmartpeoplesatarounddrinking,havinginterestingconversationsandlivinginanauthenticway.FurtherUnderstandingQuestions3.Whatisthefrighteningfalloutoftheauthor’sromanticnotionsoflifeinthebigcity?4.Whendidtheauthorbeginmakingarichperson’sdecisions?InReading–DetailedReadingShe’stwenty-nineyearsold,andsheiscompletelyoverherheadindebt.IntheyearwhensheenteredagraduateprogramatColumbiaUniversity.FurtherUnderstandingQuestions5.DoestheauthorregretherdecisiontomovetoNewYork?Whyorwhynot?InReading–DetailedReadingBackNo.Theauthordoesn’tregretit.Despitethefinancialandpsychologicalordeal,shethinksshestillhashadagoodtimeandlivedinanauthenticwayinNewYorkCity.…I’mstillamazedthatmassive,ornateresidenceslike838WestEndAvenuereceivemailandspillkidsoutoftheirfrontdoorslikeprettymuchanyhomeanywhere.Whatcanyouinferfromthesentence?InReading–DetailedReadingIntheauthor’simagination,theworldoftherichiscompletelydifferentfromthatofthecommonfolks,henceheramazementatthewaytheyreceivemailandtheirkidsgooutoftheirfrontdoor.

LikeasocialsmokerwhosesupposedlyendearingdesiretoemulateMarleneDietrichhaslandedherinacancerward…Whatdoesasocialsmokerreferto?InReading–DetailedReadingOnewhowillonlysmokeinsocialsituations.AsItrytosortouttheoriginsofmypresentfinancialsituation,IalwayscomebacktotheindescribableyearningIhadasateenagerforsomesortof“intellectual”lifestyle.TranslatethesentenceintoChinese.InReading–DetailedReading當我試圖找出我目前經濟狀況的根源時，總會想到我十幾歲時對某種“有品味的”生活方式的難以形容的渴望。ItwasaroundthistimethatIstartedhavingtroublethinkingaboutanythingotherthanhowtomakeapaymentonwhateverbillwassittingonmydesk,mostlikelyweeksoverdue,atanygiventime.TranslatethesentenceintoChinese.InReading–DetailedReading也正是從這個時候開始，我的腦子無時無刻不在想著如何支付我桌上堆積起來的賬單，這些賬單大都已逾期數(shù)周。Full-coveragehealthinsurancewillcostmeseventy-fivedollarsamonth.Whatdoes“full-coverageinsurance”mean?InReading–DetailedReadingItreferstoinsurancethatprovidespaymentforalllossesuptothelimitofthepolicy,i.e.nomatterwhattypeofdamageoccurs,thelosseswillbecovered.HadIknownthatbefore,ImighthaveskippedoutonthisNewYorkthingaltogetherandsparedmyselfthefinancialandpsychologicalordeal.1.Analyzethestructureofthesentence.2.TranslatethesentenceintoChinese.InReading–DetailedReadingThesubjunctivemoodisusedhere.

該句省略了連詞if,是虛擬語氣的倒裝形式。如果我早知道這些的話，我可能根本就不會來紐約了，也不會受到經濟和心理上的折磨。InReading-LanguageFocusbeabouttobegoingtodosth.verysoon即將，行將Pleasetakeyourseats,ladiesandgentlemen.Theperformanceisabouttobegin.女士們、先生們，請入座。演出馬上就要開始了。BackInReading-LanguageFocusgorgeousa.

(fml)

dazzlinglybeautifulormagnificent眩目艷麗的，極其宏偉的Alicetooksomegorgeousphotosofmyone-month-olddaughtertwodaysago.It’sathreehourdriveeachway,butthesceneryisgorgeous.駕車去那里單程就要3小時，但景色實在壯麗。Back兩天前，愛麗絲給我一個月大的女兒拍了一些很漂亮的照片。InReading-LanguageFocusresidence

n.(fml)alargeimposinghouse;theplaceinwhichapersonresides大宅；居所10DowningStreetistheofficialresidenceoftheBritishPrimeMinister.唐寧街10號是英國首相的官邸。BackInReading-LanguageFocusstrikinga.attractingattention惹人注目的Davidpresentsastrikingcontrasttohisshyandquietbrother.Themoststrikingfeatureofthisappisthatitisveryuser-friendly.這個應用程序最顯著的特點是它對用戶十分友好。Back大衛(wèi)與他那害羞安靜的兄弟形成了鮮明的對比。InReading-LanguageFocusmodesta.notverylargeorexpensive不大的，不很貴的，適度的Thegovernmenthasmademodestprogressincuttinggreenhousegasemissions.ThisFestivaloftheArts,whichbeganonamodestscalein1966,nowisincludedinthetop10eventsintheUnitedStates.這個藝術節(jié)始于1966年，當時規(guī)模不大，而如今已成為美國的十大盛事之一。Back政府在減少溫室氣體排放方面已有一些作為。InReading-LanguageFocusconvictionn.afixedorfirmlyheldbelief,opinion,etc.堅定的信念或看法IhaveadeepconvictionthathighlyintelligentbeingsexistonMars.Shewasmotivatedbystrongmoralconvictions.她的行動是出于堅定不移的道德信念。Back我堅信火星上生存著具有高度智慧的生物。InReading-LanguageFocusexertvt.putforth(strength,effort,etc.);put(oneself)intoactionortotiringeffort用（力），使勁Iexertedallmystrengthtomovethebookshelf.Hehasbeenexertinghimselftoobtaintheirpardon.他已經盡力求得他們的原諒。Back我使盡全身的力氣移動書架。InReading-LanguageFocusgetbymanagetosurvive;succeedwiththeleastpossibleeffort設法活下去；勉強應對IcanjustaboutgetbyinFrench.Manypeopleareplanningonhowtheyaregoingtogetbywithoutheatthiswinterbecausetheycannotaffordit.很多人正在計劃今年如何度過一個沒有暖氣的冬天，因為他們付不起暖氣費。Back我用法語只能勉強應付。InReading-LanguageFocusapply

vt.

makeuseofasrelevantorsuitable使用；應用Itisdifficulttoapplytheseideasinpractice..Psychologistsnowapplythefindingsofpsychologyinnonacademicsettingssuchasbusiness,sports,government,andlaw.心理學家們現(xiàn)在將心理學研究中的發(fā)現(xiàn)應用到非學術類的場合，如商業(yè)、體育、政府和法律。BackInReading-LanguageFocuskeep/bring/get(sth.)undercontrolsucceedindealingwith(sth.)sothatitdoesnotcauseanydamage控制，抑制Keepyourdogundercontrolatalltimesandensureitdoesnotattackanypersonoranyotheranimal.Localsandthepolicewereworkinguntiringlytobringtheforestfireundercontrol.當?shù)鼐用窈途煺谌σ愿暗乜刂粕执蠡稹ack你得始終看好你的狗，保證它不會襲擊任何人或者其他動物。InReading-LanguageFocussupposedlyad.accordingtowhatisgenerallybelievedbutnotknownforcertain據(jù)信；據(jù)說Thismovieissupposedlybasedonatruestory.Whensupposedlysmartstudentsgavepooranswers,teacherstendedtolookforsomethingpositiveintheirresponses.當那些被認為很聰明的學生沒有給出滿意的回答時，教師往往會試圖在他們的答案中尋找亮點。Back據(jù)說這部電影基于一個真實的故事。InReading-LanguageFocusromantica.excitingandmysteriousandhavingastrongeffectonone’semotions;impracticalinconceptionorplan浪漫的；不切實際的Lotsofpeoplewholiveincitieshavearomanticimageofcountrylife.NickandLauraarenewlywedswhostillhaveromanticideasaboutgettingaheadandraisingafamilyinabigcity.尼克和勞拉新婚不久，對于在大城市成家立業(yè)還有著不切實際的幻想。Back許多居住在城市里的人對鄉(xiāng)村生活有一種浪漫的幻象。InReading-LanguageFocusdependent

a.needingsth.orsb.inordertoexist,besuccessfuletc.依賴的，依靠的Ourmodernworldisdependentuponnaturalresourcesminedfromunderground.我們的現(xiàn)代社會離不開從地下采掘出來的自然資源。BackInReading-LanguageFocusvehiclen.amediumfortheexpressionorcommunicationofideas,information,etc.（表達或傳輸思想、信息等的）手段，工具Earliertheoristsbelievedthatlanguagewassimplyavehicleforourideas.ThemovieBrightEyesisanidealvehicleforShirleyTemples’talents.電影《明亮的眼睛》為秀蘭·鄧波兒提供了一個展示其才華的理想舞臺。Back早期的理論家認為語言只是我們表達思想的工具。InReading-LanguageFocussortoutclarifybygoingovermentally澄清，理清Writingcanhelpmesortoutmythoughts.Wehavetosortoutthecurrentsituationbeforemakinganydecision.在做決定之前，我們需要弄清當前局勢。Back寫作能夠幫助我整理思路。InReading-LanguageFocusorigin

n.thecauseofsth.起因；源頭Theoriginoftheuniverseisactuallymorethanascientificquestion.Humankindhasalwaysbeeninterestedinwherewecomefromandwherewego.事實上宇宙的起源不僅僅是一個科學問題。人類一直在思考我們從哪里來、要往哪里去。BackInReading-LanguageFocusfinancial

a.connectedwithmoneyandfinance財務的；金融的LujiazuiisanimportantfinancialdistrictofShanghai.陸家嘴是上海重要的金融區(qū)。BackInReading-LanguageFocusaffluenta.(fml)wealthy富裕的Ifyouliveinanaffluentneighborhood,you’reverylikelytotakeupyourneighbor’sconsumptionhabits.Thestorecateredtoamostlyaffluentclientelethatwasrelativelypriceinsensitive,sowecouldaffordtopayoursuppliersapremiumfortheverybestfish.我們店的顧客大都很富裕，他們對價格相對不怎么敏感，所以我們能付給供貨商一個溢價，拿到最好的魚。Back如果你居住在一個富人社區(qū)，你很有可能會跟隨鄰居們的消費習慣。InReading-LanguageFocusauthentica.notfalseorcopied;genuine;real真正的；真實的Idon’tknowifthisisanauthenticantique.Sometimesit’squitedifficulttotellanauthenticnewsreportfromaninventedone,especiallynewsaboutcelebrities.有時候很難辨別新聞的真?zhèn)?，尤其是有關名人的新聞。Back我不知道這是否是真品古董。InReading-LanguageFocuselementarya.oforinthebeginningstages(ofacourseofstudy);dealingwiththesimplestfacts;basic初級的；基礎的，基本的Elementaryeducationisaboutexpandingandinspiringyoungminds.I’monlyfamiliarwiththefieldatanelementarylevel.我對于這個領域的了解處于初級水平。Back基礎教育旨在拓展及啟發(fā)孩子們的思想。InReading-LanguageFocusscholarship

n.(awardofa)grantofmoneytoascholar獎學金Lindawasawardedascholarshipofupto$3,000toadvanceherChineselanguagestudies.琳達獲得了3000美元的獎學金，得以繼續(xù)她的漢語研究。BackInReading-LanguageFocusmakeitdealsuccessfullywithadifficultexperience渡過難關，成功Despitethedifficulties,hekeepstryingtomakeitasamusician.

Ican’tmakeitwithoutmyfriends’help.沒有朋友們的幫助，我不可能成功。Back盡管困難重重，他依舊堅持不懈，力爭成為一個音樂家。InReading-LanguageFocusloann.moneylentatinterest貸款Ittookmetwoyearstorepaymystudentloan.Thebankhasrefusedtogiveloanstosmallbusinesses.這家銀行拒絕向小公司提供貸款。Back我花了兩年的時間才還清我的學生貸款。InReading-LanguageFocuspayofffinishpayingmoneyowed付清；償清Wepaidoffourmortgagewithinthreeyears. ThecourtorderedMaria’sformeremployertopayoffall$2,540ofherbackwages.法庭命令瑪利亞的前雇主向她付清2540美元的拖欠工資。Back我們在三年之內還清了抵押貸款。InReading-LanguageFocususeupuseallof(sth.)用完Ihaveusedupallmyemailspace. Wehaven’tgotanysugar.IusedupthelastgrainswhenImadeacakeyesterday.我們沒有糖了。昨天我做蛋糕時把僅剩的糖用完了。Back我已經把電子郵箱的容量用完了。InReading-LanguageFocusinsurancen.thebusinessofinsuringpersonsorproperty保險Manycollegesrequiretheirstudentstocarryhealthinsurancecoverage.Asocialworkerwillhelpyouapplyforinsuranceforyourchildren.社工會幫助你為孩子們申請保險。Back許多大學要求學生購買健康保險。InReading-LanguageFocustoone’sdelightcausingonetobeveryhappy使某人高興的是Toherdelight,theworkoutallowedhertoexerciseinawaythathelped—ratherthanworsened—herinjuries. Muchtothedelightofthestudents,themid-termquizhasbeencancelled.讓學生們感到特別高興的是，期中測試取消了。Back讓她高興的是，這種鍛煉方式能調養(yǎng)而非加劇她的創(chuàng)傷。InReading-LanguageFocusinstructor

n.ateacherbelowtherankofassistantprofessoratacollegeoruniversity（大學）講師Thebeginnerisgiventheopportunitytodopracticeteachingunderthesupervisionandguidanceofexperiencedinstructors.新手有機會在經驗豐富的教師的監(jiān)督和指導下開展實習教學。BackInReading-LanguageFocusoverduea.notpaid,done,returned,etc.bytherequiredorexpectedtime（到期）未付的，未還的，未做的Someofthepaymentsare3monthsoverdue.Reformofthemedicalcaresystemislongoverdue.醫(yī)療體系的改革早就該實施了。Back有些應付款已經拖欠3個月了。InReading-LanguageFocusdiscardvt.getridof拋棄，丟棄Thisartworkwasmadefromdiscardednewspapers.Theywanttodiscardthecurrentdata-processingsystemandstartalloveragain.他們計劃舍棄現(xiàn)有的數(shù)據(jù)處理系統(tǒng)，另起爐灶。Back這件藝術品是用廢棄的報紙制作而成的。InReading-LanguageFocuspanicn.asuddenfeelingofgreatfear驚恐；恐慌Thegeneralpublichasgotintoapanicaboutthefinancialcrisis.Twitterusershadamomentofpanicasthesocialmediasitecrashed.當推特社交媒體網站崩潰時，用戶們一時感到驚慌失措。Back大眾對于金融危機感到恐慌。InReading-LanguageFocuspanicv.(panicked,panicking,panics)feelorcausetofeelpanic

(使)驚慌Thestudentspanickedwhentoldthatthefinalexamswerelessthanaweekaway.Thegunfirepanickedthehorses.槍聲驚嚇到了馬匹。Back當學生們得知還有不到一周就要期末考試時，感到很緊張。InReading-LanguageFocuspsychological

a.of,relatingto,orarisingfromthemindoremotions心理的；精神上的Lonelinessmaybeasymptomofapsychologicalproblem,suchaschronicdepression.孤獨感可能是心理問題的癥狀，例如長期的抑郁。BackInReading-LanguageFocusbreakupbringtoanend使結束Themeetingwasbrokenupsuddenlyandfivepeopleweredetainedbythepolice.Finallythetwocompaniesdecidedtobreakuptheirpartnership.最終這兩家公司決定結束他們的合作關系。Back會議突然被打斷，有5人被警察拘留。AfterReadingUsefulExpressionsSentenceTranslationWritingTaskSpeakingTaskAfterReading壓根沒想到的事情 從那一刻起年輕的意義 在這種心態(tài)下 難以形容的渴望回首過去 職業(yè)生涯向前邁進干臨時活 UsefulExpressionsthelastthingonone’smindfromthatmomentonthepointofbeingyounginthisframeofmindtheindescribableyearninglookbackmoveaheadinone’scareerdotempworkAfterReadingSentenceTranslationTranslatethefollowingsentencesintoEnglish.我一直都是一個竭力讓幻想變成現(xiàn)實的人。(Para.3)I’vealwaysbeensomebodywhoexertsagreatdealofenergytogetmyrealitiestomatchmyfantasies.2)我住在這個國家最貴的城市，因為我一直認為我的職業(yè)生涯有賴于它。(Para.4)IliveinthemostexpensivecityinthecountrybecauseIhavelongbelievedthatmycareerisdependentuponit.AfterReading3)當我明白自己拿不到任何獎學金，而且課程安排使我無法白天正常上班工作時，我還繼續(xù)就讀，這也是一個富人做出的決定。(Para.8)RemainingtherewhenitbecameclearthatIwasnotgoingtogetanyscholarshipmoney,andthattheclassschedulewouldpreventmefromholdingdownadayjob,wasalsoarichperson’sdecision.AfterReading4)教書每學期只有2500美元，但是我太迷戀當大學教師了，因此沒有去考慮自己的經濟實力是否能夠承擔。(Para.11)Theteachingjobpaidonlytwenty-fivehundreddollarsforanentiresemester,butIwastooenamoredoftheideaofbeingacollegeinstructortowonderifIcouldaffordtotakeit.5)不過，在上一輪的恐慌之中，我說服自己這是一個好計劃。(Para.13)Duringmylastroundofpanic,however,Iconvincedmyselfthatitwasagoodplan.WritingTaskWritingaSummaryWriteasummaryofthearticleMyMisspentYouthbyMeghanDaum.Youmayusethethirdpersoninyoursummary.Bydefinition,asummaryisabriefstatementoraccountofthemainpointsofareport,anarticle,orastory.Cleverstudentsunderstandthatsummarizing,identifyingwhatismostimportantinthetextandrestatingtheminyourownwords,isanimportanttoolforcollegesuccess.It’satechnicalskillthatdemonstratesbothreadingcomprehensionandwritingability.Awell-writtensummaryisnotananalysisofthetext;rather,itisacondensedoverviewoftheoriginalpiece.AfterReadingWritingTaskTipsforwritingasumma