《新编大学实用英语--综合教程练习册（一）》 Unit 5-6 练习答案.docVIP

Unit 5 Financing 闲话理财 Teaching plan Text A Text B Words Positive, scarce, grateful, financial, loan, due, means, versus, perspective excessive, emergency, reflect, afford Phrases figure out, in return, live up to, be sick of draw the line, sleep on Skills Grammar Non-finite Verb (二) Writing Letter of Complaints Background Information 1.Credit card debt is an example of unsecured \o Consumer debt consumer debt, accessed through \o Credit card credit cards. Debt results when a client of a credit card company purchases an item or service through the card system. Debt accumulates and increases via \o Interest interest and penalties when the consumer does not pay the company for the money he or she has spent. The results of not paying this debt on time are that the company will charge a late payment penalty (generally in the US from $10 to $40) and report the late payment to credit rating agencies. Being late on a payment is sometimes referred to as being in \o Default (finance) default. The late payment penalty itself increases the amount of debt the consumer has. 2. Warm-up Reading Avoiding Credit Card Problems Credit cards, if used properly, can be useful and convenient, and can even help build a strong credit history that will help you with future activities like home-buying, paying for higher education, and even finding a job. Before you apply for a card, or allow your teenager to, consider the pros and cons. Pros You can use a credit card to purchase a product or service that you need now but cant pay for all at once. For example, if your car breaks down, you may not have enough cash on hand for the repairs. A credit card can help you get your car fixed and on the road and pay for the repairs over time. Credit cards are often the only way to make airline, hotel, or rental car reservations. Credit cards allow you to buy over the phone or online. Carrying credit cards is safer than carrying cash. Credit cards can be particularly useful in short-term emer