创新英语教程第一册UNIT19

[00:04.70]2 Borrowing money [00:10.95]Have you got time for a coffee? [00:15.10]Yes,OK.Where do you want to go? [00:19.77]How about that place on the corner? [00:24.14]Yes,fine.Oh no! [00:28.50]What's the matter? [00:31.56]Oh,I've just realised I've left my wallet at home. [00:36.91]Don't worry.It's ok.I'll pay for the coffee. [00:42.79]Yes,thanks,but it's not just that I'm Meeting someone at two and I'll have to go back home and get it. [00:50.83]I can't spend the whole day without any Money. [00:55.51]Well,do you want me to lend you some? [00:59.77]Would you mind? [01:02.93]No,of course not.How much do you need?Is thirty euros enough? [01:09.77]That'd be great,if you can. [01:13.85]Yes,sure.No problem.I'll just have to go to the cash machine,though. [01:20.09]Do you want to meet me in the cafe?I'll be there in a minute. [01:25.66]OK.There you are. [01:32.60]Great that's briliant.I'll pay you back next week,when I see you. [01:39.08]Yes,fine.There's no hurry.Have you ordered? [01:45.14]No,I was walting for you to get here.I wasn't sure how you like your coffee. [01:51.60]1 They're rich [02:02.36]Maybe I'm just jealous,but I think banks are too rich. [02:08.42]The big banks in Britain made over 15 billion last year. [02:15.50]If you ask me,they shouldn't be allowed to make so much money. [02:21.06]2 They're mean [02:25.61]One reason they make so much money is that,like all rich people, [02:32.45]they are mean! [02:35.79]That's why they give us about 0.2% interest when we have money in the bank, [02:43.45]but when we borrow money from Them, [02:47.52]they charge us anything from 8% to 25% interest. [02:54.18]It's terrible! [02:57.35]3 Bank charges [03:01.79]Imagine you borrowed my car and I said, [03:07.66]'Listen,can you bring it back by six o'clock,because I need to go out somewhere? [03:14.14]You bring car back at 6.01 and I ask for 40, [03:20.91]because you brought it back late. [03:24.36]The following day,I write you a letter telling you that you gave me 40. [03:31.02]I then also charge you another 15 because I had to send you a letter. [03:37.99]On top of that,I ask for another 5,because my car is less valuable now, [03:45.44]because you drove it for two hours. [03:49.09]I then phone you to say you can borrow my car whenever you like. [03:55.05]It doesn't sound fair,does it? [03:58.89]But that's the kind of thing banks do if you spend 1 more than you should. [04:05.34]The only difference is,they don't ask you for the money, [04:10.70]they just take it from your account! [04:14.54]4 Changing banks [04:19.50]It's very difficult to change banks. [04:24.54]In fact,it's more difficult than getting divorced! [04:29.58]You have to write to so many people to tell them you've changed banks, [04:35.64]you get bored and you stop. [04:39.30]And anyway,you know it's a waste of time,because(unlike a new wife or husband!) [04:46.75]your new bank will be exactly the same as your old one! [04:51.79]5 Junk mail [04:56.44]asking me if I'd like to take out a loan or get a new credit card. [05:05.79]I always throw these letters in the bin. [05:10.23]I wish the banks would stop sending me them. [05:15.09]It's such a waste of paper. [05:19.16]6 They're bad for poor countries [05:24.62]One way banks make their money is by charging a lot of interest [05:31.10]to poor countries for loans they have made to their governments. [05:36.43]A lot of these countries now spend so much on the interest to the banks, [05:42.78]they can't afford to spend money on education,health and other basic services. [05:49.86]7 Banks abroad [05:54.51]I often hope that when I go abroad,banks will be better than they are here. [06:01.06]When I go to change money,there are almost no customers in the bank. [06:07.23]However,I still have to wait for hours to be served. [06:12.90]Then you have to fill in a form, [06:17.03]have proof of ID and sign your name about six times-just to change 50. [06:24.57]Then they charge you 3% commission for the service! [06:29.54]8 I need them! [06:34.81]Perhaps the thing I hate most about banks is the fact that I need one! [06:41.29]They're like men-you can't live with them, [06:45.94]but you can't live without them! [06:49.42]For a while,I tried to live without having a bank account,but it was impossible. [06:56.26]Everything just took a very long time. [07:01.43]It was difficult to get paid,it took a long time to pay bills, [07:07.99]and if people gave me cheques,I had to pay the bank to get them cashed. [07:14.05]And I worried about having lots of cash in the house [07:19.09]and carrying it around in the street. [07:22.93]I couldn't do it,and in the end,I opened a new account. [07:28.60]I was lucky,because millions of people can't open an account. [07:34.53]The bank won't let them,because they don't have enough money [07:39.57]which is another reason why I hate banks! [07:44.22]1 While you listen [07:56.16]Conversation 1 [08:00.13]Can't you ask your mum and dad for some? [08:04.57]I have,but they just said I've had my pocket money already. [08:11.05]They only give me 15 a week. [08:15.70]I buy one CD and it's nearly all gone. [08:20.53]It's a pain.I can never afford to go out these days. [08:26.78]Won't they give you any more? Fifteen pounds is nothing. [08:32.13]No.I've asked them,but they just said I should get a job. [08:38.37]It's so unfair.You don't have a job. [08:44.02]Gino doesn't have a job.None of my friends have one. [08:49.97]I know,It's awful! [08:54.13]I don't want to spend my weekends filling shelves in a supermarket for 5 an hour. [09:01.99]I'm glad they're not my parents. [09:06.06]Conversation 2 [09:11.21]So how's work? [09:14.87]Oh,dont ask! It's just the same old thing.I'm really fed up with it. [09:21.95]You know,I'm earning the same money as I was [09:26.91]when I first started there five years ago. [09:31.35]That's terrible.Haven't you had any pay rise in five years? [09:37.41]No,nothing. [09:40.57]So how much do you get? [09:44.02]Seven euros an hour. [09:47.86]Seven?That's awful.How do you survive? [09:53.50]Well,I have to live at home with my parents,I cycle to work,that kind of thing. [10:01.05]I manage,but it's terrible money. [10:05.73]I never have any money at the end of the month. [10:10.59]So why don't you get another job? [10:14.35]I can't afford to take time off work to go to interviews. [10:19.70]And there aren's that many jobs around at the moment,anyway. [10:25.48]That's awful. [10:28.64]Conversation 3 [10:35.19]Did you see the new jeans Jenny was wearing? [10:40.76]Yes,they looked OK.I'm not sure I would wear them,though. [10:47.52]No,me neither.But you know how much they cost? [10:53.87]No.Were they expensive? [10:58.60]Two hundred and fifty pounds [11:03.35]Two hundred and fifty pounds for a pair of jeans!You're joking. [11:10.01]No,honestly,she told me herself. [11:15.06]She got them in some fancy designer shop on Saturday. [11:20.62]That's craxy.Is she really well off,then? [11:26.18]I don't think so.She's a nurse.She works at the Springfield card. [11:33.63]I went out with her the other day and she probably spent 150 then. [11:45.41]Honestly,she just spends money like water. [11:50.66]Maybe she's from a rich family. [11:54.53]I don't think so- [11:57.98]and she was complaining she couldn't afford to go on holiday in the summer, [12:04.04]because she's in debt!I'm not surprised. [12:09.39]Conversation 4 [12:14.85]Did you get the bill?Yes. [12:19.60]How much was it?Fifteen pounds. [12:24.05]Really? Let me have a look..What? Two fifty for a coffee.I'm running out of money-fast! [12:30.81]That's terrible! No,that's quite normal,isn't it? [12:36.85]No way!Things like that are much cheaper in my country than they are here in London. [12:43.79]I mean,you probably only pay about a pund for a coffee [12:49.25]and a snack like this would only cost about six or seven. [12:54.30]Oh,in my country it's fairly similar to here. [13:00.17]The only thing which is cheaper there is public transport. [13:05.74]Buses and trains are much cheaper than they are here. [13:11.38]And they're nicer as well. [13:15.51]Yes,well,everything's cheaper in my country than it is here. [13:21.28]That's why I can't afford to stay here in the UK much longer. [13:26.74]I'm running out of money-fast!

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