Unit 5Teaching Objectives:1. To remember and use new words and expressions;2. To have general ideas of “financial management”;3. To review some basic reading skills and learn some word formations;4. To know about the word formations of Business English vocabulary;5. To deal with the language points in Text A and Text B.Focuses:1. To review some basic reading skills;2. To have general ideas of “financial management” by reading to practice basic reading skills;3. To learn some word formations and deal with the language points in Text A and Text B.Difficulties:Review how to use basic reading skills to do reading exercises.Teaching Time:2 periods.Teaching Procedures:Part I Pre-reading QuestionsIt can be used as lead-in questions. For students, they can discuss with each other and will have free answers. Part II Extensive ReadingIn this part, there are two texts and their relevant exercises. By reading the texts in limited time, Teacher helps students understand the contents and the reading methods to build reading abilities gradually.1. Text A Ways to Keep More Casha. Let the students read Text A as quickly as they can for the first time to get the general idea;b. Ask students to tell others the general idea of the text;c. Then use some basic reading skills to read through the text again to find the answers to Exercise I;d. Check the answers to Exercise I;e. Analyze the language points in the text:1. Bureau of the Public Debt:公共债务局,成立于1940年6月30日,其主要职责是筹措联邦政府所需的款项,核算公共债务,发行和回购国库券,执行债务管理政策。
比如：出售国库券和债券、向投资者支付利息、归还贷款、赎回投资者的证券等。
此外，它还通过行政资源中心向各联邦政府实体提供无偿的行政、财务管理和信息技术等服务。
2. Series EE Bonds: 一种固定利率的系列电子储蓄债券。
该债券没有对通货膨胀的调节。
3. Series I Bonds: 一种低风险、具有对通货膨胀的调节的储蓄产品。
4. payroll deduction: 从雇员薪水中扣缴。
5. Vanguard: 美国先锋基金管理公司，于1974年由约翰·鲍格尔(John Bogle)创立，其前身威灵顿基金则早在1929年就诞生了。
在不长的时间里面公司已经在基金行业里占有突出的地位，是世界上第二大基金管理公司。
6. eBay:亿贝电子商务公司的门户网站，世界上最大的网上交易平台。
f. Assign Exercises II and III as their homework.2. Text B When Stocks Tank, Some Investors Stampede to Alpacasa. Several minutes for students to use some basic reading skills to read the text only once, then ask them to do Exercise I;b. Check the answers to Exercise I;c. Point out some language points:1. Andy Pick, a 49-year-old stay-at-home father at Atlanta, recently bypassed the stock market for liquidassets — $120,000 in champagnes. 现年49岁、家住亚特兰大的家庭主夫安迪·皮克最近避开股市，转向流动资产—在香槟酒上投资了12万美元。
2. “It’s sure beats looking at a Merrill Lynch monthly statement,” he says, adding, “The worst thing thatcould happen is that I drink all of it.”他还说：“这笔投资肯定比看美林证券的月度报告要好，可能发生的最糟糕的情况就是我要把这些酒喝光。
”Merrill Lynch：美林证券，成立于1885年，总部位于美国纽约市，是世界知名投资银行，主要从事为各类企业、政府机构及个人投资者提供投资、融资、咨询及财务顾问的服务，在2008年被收购。
3. Investors have long turned to hard assets in market downturns, the idea being that if you invest insomething real, it wo n’t disappear, even if its value declines. 市场不景气的时候，投资者们常常会转而投资硬资产，因为如果你投资看得见、摸得着的实物，就算其价值下滑，东西也不会消失。
hard assets：硬资产是指切实存在的、具有一定耐久性的、不易消灭的、受自然周期或经济周期影响较少的资产种类。
硬资产这个概念是与软资产(Soft Assets)和纸面资产(Paper Assets)相对的，软资产一般耐久性比较弱，而纸面资产一般指证券或现金，是虚拟资产，并不切实存在。
目前，投资界一般认为以下资产属于硬资产：贵金属；基本金属(包括黑色金属和有色金属)；能源(主要是指化石能源)；房地产；森林产品(主要是指木材)。
4. IRAs: Individual Retirement Accounts, 个人退休金账户。
它是美国商业银行1974年为没有参加“职工退休计划”的工人创设的一种新型储蓄存款账户。
按照规定，只要工资收入者每年在银行存入2000美元，其存款利率就可以不受《Q字条例》的限制，且可暂时享受免税优惠，直到存户退休以后，再按其支取的金额计算所得税。
5. Last month, a record 14,000 bidders—17% more than the previous high—turned out for acoin-and-currency auction in Long Beach, Calif., that generated $35 million in sales. 上个月，14000名竞标者参加了加州长滩的一个钱币拍卖会，这一人数较此前记录多出了17%；此次拍卖会销售金额高达3500万美元。
6. “There’s kind of a buying frenzy” in vintage comic books, he says. 他说，老漫画书也遭遇了“收购狂热”。
d. Assign Exercises II and III as their homework.Part III Reading SkillsBefore dealing with Text A and Text B, ask students to read through the whole passage of reading skill, to lead them to understand the details about word formations, especially asking them to pay special attention to the examples.Part IV Supplementary Reading: On Breaking RulesAsk students to read it in a limited time after class, and then write a summary.Part V Test YourselfAsk students to do it and check the answers by themselves.Questions for Discussion and Reflection:1. How do you do your financial management?2. In your opinion, what are the ways to keep more cash?Assignments1. Write a short summary of about 50 words to express the main idea of Supplementary Reading;2. Finish all exercises in Text A and Text B.References:《商务英语阅读教程Ⅰ教师用书》《牛津英汉双解词典》。
