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Unit3 Unit4
Outside view
So you want to win a million dollars. Who doesn¡¯t, right? Everyone has fun thinking about how they would spend all that money.
--If I won a million dollars, I would take a vacation around the world. --If I won a million dollars, I would feed the hungry children in Africa. --I would buy a Learjet and get out of here.
--If I won a million dollars, I would buy a cabin£¨Ð¡Ä¾ÎÝ£© and live in the woods.
--If I won a million dollars, I would take a trip around the world, and the rest of it I would give to charities.
Winning a million dollars is a nice fantasy. But for many people, their fantasy can get them in trouble. Criminals called con artists, scam£¨ÆÛÕ©£©artists, or frauds£¨Õ©Æ£©, taking advantage of people¡¯s dreams of winning it big. --My dad told my mum,¡± Don¡¯t do that, because you don¡¯t know if they¡¯re going to trick you or not!¡±
Scam artists tried to trick Maria Ellen¡¯s mother out of thousands of dollars. These criminals told Maria Ellen¡¯s mother that she had won part of a million-dollar jackpot. But, they said, since she was not a US citizen, she was not allow to claim the prize. They promised to collect the prize for her if she gave them thousands of dollars. --$15000, uh, at 5 o¡¯clock in the Lottery£¨²ÊƱ£© Texas Department. That¡¯s what they told her. And my mum said,¡± OK, I¡¯ll be there at that time.¡± Police at the Dallas Lotto£¨ÀÖ͸²ÊƱ£© Claims Office say that dozens of people have been tricked out of their money in this last fraud. Fraud is a common crime. Hoping to win million, people make poor decisions and lose their money. But people who really do win millions can make poor decisions too. Bob Kenny works for an organization called More Than Money. More Than Money helps people who come into large amounts of money make good decisions about how to manage their unexpected wealth.
--What¡¯s really important to me. My family. The health of my family. The education of my family. The long-term care of my family. These are the things important to me. These are the things I¡¯m going to use my money to get in the world. Albert Miller and Dorothy Adams who won a whopping£¨ÅÓ´óµÄ£© $40 million had many choices to make on how to spend their new wealth.
--I was finally able to afford some health insurance,¡ --And you didn¡¯t have it before this.
--I didn¡¯t, and I worked every every day of my adult life.
--That¡¯s a great decision, buying health insurance. He knows his health is important to him. His family¡¯s health is important to him. He knows his family is important to him. He knows he¡¯s important to his family. So it¡¯s really easy decision. I have the money. I need the health insurance. I¡¯m going to buy it.
Now Albert can afford anything he wants. He bought an everyday car, a top of the line Infinity. -- It¡¯s low-key¡it¡¯s a low-profile car for me.
His other new one is not. It¡¯s a special edition Rolls-Royce. There are fewer than two dozen like this in the world. With a cognac bar, a twelve-cylinder£¨Æø¸×£© engine, and one smooth ride. --If you fly a Roll, you don¡¯t drive a Rolls. So, you know, you just fly along.
--he decided to buy one car that was practical that he could use every day. And then he decided to buy another car that he knows is not practical, that¡¯s been a fantasy of his. It¡¯s something that, in some ways, he always wanted. And having a little fun with the money while he¡¯s trying to make some decisions is a perfectly normal thing to do. --Last time we talked, you were talking diamonds. What happened? --Uh, well, I got diamonds! Big ones eleven carats in all.
--I think that was a very sweet thing to do. He had his fantasies, she had hers, and having diamonds is something she always wanted.
A few weeks after the big win, the couple closed their restaurant, called Bentley¡¯s. now they have more time to travel, golf, and playing on the boat Albert just bought. still, a lot¡¯s the same. They live in the same house, in the same neighbourhood where they both grew up.
--We try to keep everything pretty much same as it was before. You know, we tried not to let money change us.
--Our culture wants us to believe that if we are not happy, if we had more money, we would be happy. And the research shows that that¡¯s just not true. You¡¯ll still wake up some mornings with a headache. You¡¯ll still wake up sometimes in a bad mood. You¡¯ll still have fights with your friends sometimes. It won¡¯t make all of that better. Having more money will not necessarily improve the quality of your relationships or the happiness that you actually have in your life. What money does is allow us to make more choices. And making wise choices is what will make us happy. Despite every man¡¯s dream come true, Albert still thinks about money.
--The money pressure¡¯s not there, but other pressures of having the money come then, so, you know, I mean, you¡¯re never totally free of something to worry about.
--Albert¡¯s a pretty wise guy. He understand that the money is going to create another set of issues for him. --I still think most of us would trade our money problems for Albert¡¯s any day.
--I think most of us think that the problems that we have in life would get solved if we had more money. But what I¡¯m suggesting is that isn¡¯t necessarily so- that money gives more choices, but it doesn¡¯t give us the blissful£¨¼«¿ìÀֵģ©answer.
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Listening in
Passage 1
Presenter: With me today is Tara Black, author of The History of Money. Tara, before we had money, we exchange
things, didn¡¯t we?
Tara: Yes, that¡¯s right. In stone age, people exchanged things like salt or cattle. But of course the problem is that
the things you exchange don¡¯t last. And so money was introduced as a more permanent way of paying for things. And of course, money¡¯s also a lot easier to use. You can carry it around you very easier.
Presenter: So when did people start changing from exchanging goods to paying for things with money?
Tara: Well, as far back as 5000BC, people in China and the Middle East were exchanging metals for goods. Presenter: As long ago as that?
Tara: Yes. The first silver ingots£¨½ðÒøÖý¿é¡¢¶§£©¡ Presenter: Silver bars?
Tara: Yes, they appeared around 2200BC in Europe and were used as currency. Coins then appeared in Lydia
around 700BC.
Presenter: Lydia?
Tara: Lydia is a country in what¡¯s now known as Turkey. Then other countries followed their example and started
producing them. A Greek coin, the drachma£¨µÂÀ¿ËÂí£¬Ï£À°Ô»õ±Òµ¥Î»£©, became the standard form of money in large parts of Asia and Europe.
Presenter: And the first paper money?
Tara: Paper money was first used in china around 960AD. Presenter: It¡¯s always China, isn¡¯t it? Tara: Quite often, yes.
Presenter: So as well as being long-lasting and convenient, a big advantage of coins and paper money is that they have a
standard value.
Tara: Yes, they¡¯re known as representative money. Every coin or paper has a certain value that doesn¡¯t depend
on the actual value of the paper or metal.
Presenter: And how did banks started?
Tara: Both the early Persians and the Ancient Egyptians had store houses where they kept their country¡¯s grain-
we¡¯re talking about 3000BC. They exchanged the grain for promissory notes. This meant a written promise to pay back a sun of money to someone. Really, these storehouses can be seen as the first banks.
Presenter: I see.
Tara: So over a great many centuries banks became places where money was deposited and lent. And they guaranteed
that a note of a certain amount of silver.
Presenter: And then there was the gold standard, wasn¡¯t there?
Tara: Yes, the golden standard was applied all over the world from 1870 to 1915 but it was slowly abandoned.
Presenter: When did it became easier¡
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Unit5 Outside View
In South Korea, women are participating more in the economic and political sectors than they were a decade ago. But career aspirations for female students in South Korea still tend to be based on the traditional division of gender roles. They are accustomed to thinking of such jobs as teaching and nursing, what their male counterparts aim to become scientists and judges. Many of these young women are aware that if they want to be independent they need to train so they can have their own source of income. In the previous generation, women did not have the right to speak, because they did not have their own financial support. Therefore, our generation of women must work to be financially independent. The growth in the number of women who work has caused the typical South Korean household to change. For example, there are more women living alone. This is because they can make their own money rather than depend on a man to support them. There has also been a rapid rise in the number of families in which both parents work. Married women increasingly want to participate in society but they need to balance family life and work. After marriage, we all struggle with how to take care of our children and work. The introduction of day care centers at some work places, such as the Chohung bank, has helped to make it possible for mothers to work. Whilst these women are at work, their children are in the day care center. There they are usually very well looked after, receiving a balanced diet, playing lots of games and doing plenty of exercise. Day care centers are increasingly popular all across the world because they enable parents to work. Women employees at Chohung Bank find it a big help, although the system is far from perfect. So far, my children have been well taken care of by our day care center. However, it will be difficult when my children go to elementary school because I often have to work late. Who will take care of them? Our family recently decided to live together with our grandparents who might be able to take care of my children. Mothers also face other problems when they go to work. Women have traditionally been responsible for raising their children and often feel a strong sense of guilt when they put their children into day care. Some worry that it will have a negative impact on their children and that they may fail as a parent. On top of this, South Korean women often end up being less well paid than men with the same education. Korean women¡¯s status in the labor market has not been much improved in spite of a continuing rise in their presence in the labor force and the level of their education. The