A.1) It is Victorian brass.2) The stallholder says it's worth twenty quid.3) The stallholder is asking fifteen for it.4) It means “pound〞.5) He says that Lucy must be joking, and he paid more than that for it himself.B.1) Fifteen, fourteen, thirteen, and twelve fifty.2) Ten, eleven, twelve and twelve fifty.【原文】Lucy: Excuse me.Stallholder: Yes, Miss?Lucy: How much do you want for this plate?Stallholder: Let me see. Oh, yes.., that's a lovely example of Victorian brass. It's worth twenty quid.Lucy: Twenty pounds! Oh, that's too much for me. It's a pity. It's really nice. Stallholder: Ah, I said it's worth twenty quid. I'm only asking fifteen for it.Lucy: Fifteen pounds?Lucy: Excuse me.Stallholder: Yes, Miss?Lucy: How much do you want for this plate?Stallholder: Let me see. Oh, yes.., that's a lovely example of Victorian brass. It's worth twenty quid.Lucy: Twenty pounds! Oh, that's too much for me. It's a pity. It's really nice. Stallholder: Ah, I said it's worth twenty quid. I'm only asking fifteen for it.Lucy: Fifteen pounds?Stallholder: Yes. It's a real bargain.Lucy: Oh, I'm sure it is, but I can't afford that!Stallholder: Well, look.., just for you, I'll make it fourteen quid. I can't go any lower than that.Lucy: I'll give you ten.Stallholder: Ten! Come on, love. You must be joking! I paid more than that for it myself. Fourteen.It's worth every penny.Lucy: Well, perhaps I could give you eleven.Stallholder: Thirteen. That's my final offer.Lucy: Twelve.Stallholder: Twelve fifty.Lucy: All right, twelve fifty.Stallholder: There you are, love. You've got a real bargain there.Lucy: Yes, thank you very much.Task 3【答案】A.1) make out2) draw out3) letters4) ONL Y; words5) amount; numbers6) last, signatureB.3, March, 2021; Cash; Twenty pounds only;￡20----00; signature【原文】Alex: Good morning.Cashier: Good morning.Alex: I would…I would like to know how to make out this check?Cashier: Right. Em... Do you want to draw out some money?Alex: Yes. £200.Cashier: £ 200. OK. Well, the first thing you need to do is write today's date in the top right-hand corner where you see the line, at the top you write just today's date...and the year. You must put the year in. And if you want to draw out money after it says PAY...can you see over on the left-hand side?Alex: The first...line?Cashier: That's it. On the first line it says PAY and you write CASH afterwards.Alex: In letters?Cashier: Yes. CASH, you write CASH, OK? Then below that, right below that, you have to write the amount of money you want. So just two hundred pounds and then you write ONL Y at the end in words. Then at the end of that line where you can see the box, see over on the right-hand side, you have to write the amount you want in numbers. And then below the box, the last thing you have to do in the bottom right-hand corner is just write your signature. Alex: Thank you very much.Cashier: Okay. Bye-bye then.Alex: Bye.Task 4【答案】A.1) $7.562) $0.6 for 8 percent sales tax.3) $8.164) $10.165) 2 bucks.B.1) tube; $1.09; bars; $.85; tube; $1.39; bottle; $.79; box; $.99; $.29; stick; $.98; tube; $.89; package; $.692) Here's your change【原文】Cashier: Next?Li: I'm next.Cashier: Let's see now. You have one family-size tube of tooth paste: $1.09. Three bars of soap: $.85. A tube of shampoo: $1.39. A bottle of aspirin: $.79. One box of Kleenex: $.99. Acomb: $.29. One stick of deodorant: $.98. A tube of shaving cream: $.89. A package of razor blades: $.69. That's $7.56, and 8 percent sales tax. Total: $8.16.Li: Here's a 10-dollar bill.Cashier: Got 16￠, Mister?Li: Just a minute. I'll look. Yes. Here you are, 16￠.Cashier: Thanks. Here's your change. Next, please. Please step up.Li: Excuse me, Miss. You gave me $1 in change. My bill was $8.16 and I gave you a 10-dollar bill.Cashier: Oh, yeah. Sorry, Mister. Here's your buck. Next, please.Task 5【答案】A1) There are 10 denominations, namely $10,000; $5,000, $1,000; $500; $100; $50, $20, $10, $5and $1.2) They are the same size and the same green color.3) The best bet is to forget the pictures and concentrate on the large numbers in all four comers onthe front and back.4) There are five denominations of coins: $.01 or 1￠; $.05 or 5￠; $. 10 or 10￠; $.25 or 25￠;and $.50 or 50￠.5) No, they aren’t. Because a dime is smaller than either a nickel or a penny.B.1) $1; $5; $10; $202) White House; Treasury Building; Lincoln Memorial; “ONE〞; American insignia3) cash; bucks; dough; bread; moolah; greenbacks; a dollar; a single; a buck; a bill; five dollars; a fiver; a five spot; five bucks; singles; a ten; ten bucks; ten spot4) penny; cent; one cent; nickel; five cents; dime; ten cents; quarter; two bits; twenty-five cents; fifty-cent piece5) change; small change; silver; silver【原文】The US government prints paper money in the following denominations: $10,000; $5,000; $1,000; $500; $100; $50; $20; $10; $5 and $1.You, and almost everybody else, will never see some of these bills; twenties, tens, fives and ones are the most commonly used. You will find a picture of George Washington on the $1 bill, Abraham Lincoln on the $5, Alexander Hamilton on the $10 and Andrew Jackson on the $20. There are also pictures on the back: the White House on the $20, the Treasury Building on the $10, the Lincoln Memorial on the $5 and a big "ONE" and the American insignia on the $1. However, all paper bills are the same size and the same green color, so you have to look carefully before handing someone money and when receiving change. Your best bet is to forget the pictures and concentrate on the large numbers in all four comers of the front and back.Money in general is referred to as: "cash", "bucks", "dough", "bread", "moolah", "greenbacks", etc. A one-dollar bill is most often called "a dollar", "a single", "a buck" or "a bill";a five-dollar bill is "five dollars", "a fiver", "a five spot" or "five bucks". Five singles make five dollars. A ten-dollar bill might be "a ten", "ten bucks" or a "ten spot".There are, of course, 100 cents in a dollar. Coins come in the following denominations: $.01or 1￠; $.05 or 5￠; $. 10 or 10￠; $.25 or 25￠; and $.50 or 50￠. They are referred respectively to a penny, a cent, or one cent; a nickel or five cents; a dime or ten cents; a quarter, two bits or twenty-five cents; and a fifty-cent piece.Coins are called "change", "small change" or "silver", though they aren't made of silver anymore. Coins are generally recognized by their size, but somebody "goofed" on the dime, which is smaller than either a nickel or a penny. All the others are in size order.Task 6【答案】1) It means we don't carry most of our weekly or monthly wage around in our pockets, and we don't leave it at home where it might easily be stolen.2) Because we don't want to travel around the city with hundreds of dollars in cash to pay these bills, nor do we want to waste the time and carfare.3) The author recommends an account that is a savings and a checking account in one.4) Because often commercial banks have many offices in a city or town.5) You sign your name on the back of the check, mark it "for deposit only" and deposit the money in your account.6) It is generally about $4 per month or 15￠for every check you write.7) You should have received in the mail all your bills, such as the rent, the gas and electricity, the phone, perhaps a doctor or dentist bill, etc.8) You can use a small plastic card to tell the computer to transfer the same amount of money from your savings to your checking account.9) No, it doesn’t.10) The computer will oblige as long as you have the amount you're asking for in your account.【原文】We have a rule of thumb: "Don't carry around any more cash than you can afford to have stolen." This means we don't carry most of our weekly or monthly wage around in our pockets, and we don't leave it at home where it might easily be stolen.Furthermore, we have to pay certain bills every month. We don't want to travel around the city with hundreds of dollars in cash to pay these bills, nor do we want to waste the time and carfare. So we need bank accounts. And so do you.The kinds of savings and checking accounts available in the US are numerous and complex, but as you will have only a small amount of money to deal with each month, your choices are limited. Let us recommend to you an account that is both a savings and a checking account in one. Though they are called by a wide variety of names — each bank gives its account a different name — they all follow essentially the same pattern. We think that savings banks generally give slightly better deals to people like you with little money, but you should ask people in your area what's the best, cheapest and most convenient. Often commercial banks have many, many more offices in a city or town, and that makes banking easier for you.How does all this work? You receive your monthly money from the Chinese government, probably in the form of a check, a piece of paper with your name on it and the amount you are entitled to, say $420. You sign your name on the back of the check, mark it "for deposit only" and deposit the money in your account. Then you withdraw, say, $50 to pay for groceries, carfare and other daily expenses, "spending money" or "pocket money". The remaining $370 will earn about 5 percent interest from the day it is deposited until the day you take it out. In this way, your intereston the savings account may be enough money to cover the cost of the account, generally about $4 per month or 15￠for every check you write.By about the 10th of every month you should have received in the mail all your bills — the rent, the gas and electricity, the phone, perhaps a doctor or dentist bill, etc. You sit down with your check book and write a check to pay each person. Put each check in the proper envelope, which generally has a return envelope with it, stamp them and mail them. You add up the checks — let's say it's $220, and go to your bank. With a small plastic card you can give a computer directions regarding your account: you can tell the computer to transfer $220 from your savings to your checking account. That $220 will no longer earn any interest; it will sit in your checking account until the landlord and the others take your checks and deposit them in their banks. Then, the proper amount will be deducted from your checking account and everybody will be happy. If your original $50 cash runs out, you can take your little plastic card and ask the computer to give you some cash. The computer will oblige as long as you have the amount you're asking for in your account. If you don't — computers are very smart!Task 7【答案】A.1) F2) F3) T4) F5) TB.1) The goods bought by hire purchase are, in almost every case, goods that will last — radio and television sets, washing machines, refrigerators, motor-cars and motor-cycles, and articles of furniture.2) It helps newly-married couples with small incomes to furnish their homes; increases the demand for goods, and in this way helps trade and employment; and by hire purchase, families can spend less money, or perhaps no money, in useless or perhaps harmful ways, for example, on too much alcohol drink.3) There is the danger that when trade is bad, hire purchase buying may end suddenly and maketrade much worse, with, as a result, a great increase in unemployment.【原文】This system of buying goods became very common during the first half of the twentieth century. Today a large proportion of all the families in Great Britain buy furniture, household goods and cars by hire purchase. In the USA, the proportion is much higher than in Great Britain, and people there spend over 10 percent of their income on hire purchase installments.The goods bought by hire purchase are, in almost every case, goods that will last — radio and television sets, washing machines, refrigerators, motor-cars and motor-cycles, and articles of furniture.The price of an article bought in this way is always higher than the price that would be paid in cash. There is a charge for interest. The buyer pays a proportion, perhaps one quarter or one third, of the price when the goods are delivered to him. He then makes regular payments, weekly or monthly, until the full price has been paid. The legal ownership of the goods remains with theseller until the final payment has been made.Hire purchase has advantages and disadvantages. It helps newly married couples with small incomes to furnish their homes. It increases the demand for goods, and in this way helps trade and employment. If families are paying each month installments on such household goods as a washing-machine and a car, they spend less money, or perhaps no money, in useless or perhaps harmful ways, for example, on too much alcohol.There is, however, the danger that when trade is bad, hire purchase buying may end suddenly and make trade much worse, with, as a result, a great increase in unemployment. This is why, in some countries, the government controls hire purchase by fixing the proportion of the first payments and the installments.Task 8【答案】A.B.1) The money comes from the premium bonds2) She has only had a post office savings account until now.3) He thinks most people have current accounts if they have not got an awful lot of money andthey need to use it regularly.4) Because the bank doesn’t give a cheque card until one has had an account with the bank for sixmonths.5) The fact that no one would accept her checks without a check card makes her reconsidereverything again.【原文】Bank Manager: Now, Miss Andrews, how much do you actually want to deposit with us in your new account?Helen Andrews: Well, it's just around two thousand pounds that I won on the premium bonds. Bank Manager: Right. I now need your full name and address.Helen Andrews: Helen Andrews. 33 Bedford Road ...Bank Manager: Helen Andrews: Would you please spell that?Helen Andrews: A-N-D-R-E-W-S.Bank Manager: Address?Helen Andrews: 33 Bedford, that's B-E-D-F-O--R-D ....Bank Manager: So 33 Bedford ....Helen Andrews: Road, London El4.Bank Manager: Right, er ... now do you want a deposit or a current account?Helen Andrews: Well, I want to be able to take my money out at any time.Bank Manager: I see. So you probably want a current account.Helen Andrews: Well, if you say so. I've only had a post office savings account until now.Bank Manager: Well, with a current account you can ... have a cheque book, or you can come into the bank and take the money out as you like.Of course, there's no interest on a current account.Helen Andrews: Not at all?Bank Manager: No. If you put it into a seven day's deposit account,of course, you get interest, but in a current account,none.Helen Andrews: Well, most people have current accounts, don't they?Bank Manager: Well, they do if they've not got an awful lot of money and they need to use it regularly.Eh ... so that's probably the best thing for you.Helen Andrews: Well, you'll give me a cheque book, won't you?Bank Manager: I'll give you a cheque book immediately, yes, er...Helen Andrews: Do you need my signature?Bank Manager: Ah yes, we'll need er ... two or three specimen signatures ...Helen Andrews: OK. And I will get a cheque card ...I mean one of those cards which I'm allowed to use for up to fifty pounds a day.Bank Manager: Eh, eh, now we don't actually give a cheque card until you've had an account with us for six months.Helen Andrews: Six months?Bank Manager: Yes, we have to see how the account's going, you see.Helen Andrews: But that's crazy. I mean I used to work in a shop and we’d never accep t cheques without a cheque card, I mean no one will accept my money.Bank Manager: Well, er ... this is how we work, I'm afraid.Helen Andrews: Well, I’ll have to reconsider everything again, I think. I had no idea you were as strict as this ...Task 9【答案】A.1) 100 pence2) 12 pence3) 1 penny4) "two shillings" coin5) one year6) 19717) 19848) 1983; smallB.【原文】The British have only had decimal currency for a very short time. In fact it was only introduced in 1971. Before that, there were 12 pence in a shilling and 20 shillings in a pound. Now, of course, there are 100 pence in a pound, and Britain is more like its European neighbours.Like other countries, Britain has both coins and notes. The common notes are five pounds and ten pounds. The E20 note came out in 1970 and the E50 note has been around since 1981.There are several coins. The country stopped making the 1/2 pence in 1984. The l p (or one penny) is the smallest coin. Like the 2p it is made of copper. There are two types of 5p and two types of 10p. The 5p coins before 1971 have the words "one shilling" on them. The 10p coins before 1971 have the words "two shillings" on them. Both the one shilling coin and the 5p coin have the same value.Other coins are the 20p, the SOP and the E 1 coin. The 20p and the 50p coins are made of copper and nickel. The El coin has been around since 1983 and the El note was discontinued in 1984, but people will continue to use it for some time. The coin is not very popular as it is very small.Task 10【原文】An old man died and left his son a lot of money. But the son was a foolish young man, and he quickly spent all the money, so that soon he had nothing left. Of course, when that happened, all his friends left him. When he was quite poor and alone, he went to see Nasreddin, who was a kind, clever old man and often helped people when they had troubles.“My money has finished and my friends have gone,〞said the young man. “What will happen to me now?〞“Don’t worry, young man,〞answered Nasreddin. “Everything will soon be all right again. Wait and you will soon feel much happier.〞The young man was very glad. “Am I going to get rich again then?〞he asked Nasreddin.“No, I didn’t mean that,〞said the old man. “I meant that you would soon get used to being poor and to having no friends.〞。
