高一春·目标清北班
Unit 15
Contents
Part 1. Reading
Part 3. Grammar
Part 4. CEE Integrated
Part 2. Writing
Reading
Part One
Pre-reading
Look at the pictures about several common modes of payment
in today’s China. Can you list the pros and cons of these
payment methods？
Pros:
_______________________
_______________________
Cons:
_______________________
_______________________
学而思网校
Pre-reading
Look at the pictures about several common modes of payment
in today‘s China. Can you list the pros and cons of these
payment methods？
Pros:
_______________________
_______________________
Cons:
_______________________
_______________________
Pre-reading
Look at the pictures about several common modes of payment
in today‘s China. Can you list the pros and cons of these
payment methods？
Pros:
_______________________
_______________________
Cons:
_______________________
_______________________
Match words (1-6) to their definitions (a-f).
Vocabulary Builder
1. debt
2. withdraw
3. substitute
4. substantial
5. transaction
6. promptly
a. large in amount, value or importance
b. to move back or away from a place or
situation
c. without delay
d. a piece of business done between people
e. a sum of money that sb. owes
f. a person or thing that you use or have instead
of the one you normally use or have
READING
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US credit card culture
(A) Cash or charge? For consumers in the United States, the answer is usually charge. Everything from a pack of gum
to a new car can go on a credit card, hopefully to be paid off promptly at the end of the month. From teenagers to the
elderly, everyone seems to have a credit card in the United States. In fact, using one seems as American as apple pie.
(B) The convenience of using a credit card is one of the greatest motivations for using one. Instead of constantly
having to go to a bank or an ATM to withdraw cash, the piece of plastic in your wallet can be used at any time and for
any transaction.
(C) Many credit card companies offer rewards to their customers. Every purchase earns points that can be applied
toward goods, cash back, or airline tickets. As a matter of fact, over 39 percent of millennials choose to use credit cards
simply because of the rewards that they are offered.
(D) A credit card can also be a substitute for a loan for a substantial purchase. Although interest rates are generally
higher than bank loan rates, there is no loan application process, and big-ticket items can be conveniently purchased
with simply the swipe of a card. For this reason, Americans often use credit cards to purchase items like cars, kitchen
appliances and other expensive products.
(E) In the US, having a good credit score is considered an important part of financial culture and can even determine
one’s social standing. Data is collected based on loan payment and overall debt, and an average score is calculated. A
healthy credit history can be built by using a credit card and conscientiously paying the balance in full every month.
(F) Being financially responsible is very important for survival in the US. Indeed, without a good credit score, getting
approved for car loans or even a new cell phone may be nearly impossible.
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US credit card culture
(A) Cash or charge? For consumers in the United States, the answer is usually
charge. Everything from a pack of gum to a new car can go on a credit card,
hopefully to be paid off promptly at the end of the month. From teenagers to the
elderly, everyone seems to have a credit card in the United States. In fact, using
one seems as American as apple pie.
READING
When we use credit card, we pay the bank
_____ we buy things. B
A. before
B. after
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(B) The convenience of using a credit card is one of the greatest motivations for
using one. Instead of constantly having to go to a bank or an ATM to withdraw
cash, the piece of plastic in your wallet can be used at any time and for any
transaction.
READING
What is probably an ATM?
A
A. Where you withdraw money.
B. Where you put money in a bank.
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(C) Many credit card companies offer rewards to their customers. Every purchase
earns points that can be applied toward goods, cash back, or airline tickets. As a
matter of fact, over 39 percent of millennials choose to use credit cards simply
because of the rewards that they are offered.
READING
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(D) A credit card can also be a substitute for a loan for a substantial purchase.
Although interest rates are generally higher than bank loan rates, there is no loan
application process, and big-ticket items can be conveniently purchased with simply
the swipe of a card. For this reason, Americans often use credit cards to purchase
items like cars, kitchen appliances and other expensive products.
READING
Credit
card
interest
rates
are
generally _______ than bank loan
rates.
B
A. lower
B. higher
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(E) In the US, having a good credit score is considered an important part of
financial culture and can even determine one’s social standing. Data is collected
based on loan payment and overall debt, and an average score is calculated. A
healthy credit history can be built by using a credit card and conscientiously
paying the balance in full every month.
READING
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(F) Being financially responsible is very important for survival in the US. Indeed,
without a good credit score, getting approved for car loans or even a new cell
phone may be nearly impossible.
READING
If you have a bad credit score, it will be
difficult for you to ______.
A
A. get loans
B. find a job
LANGUAGE DEVELOPMENT
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US credit card culture
(A) Cash or charge? For consumers
in the United States, the answer is
usually
charge.
Everything
from
a
pack of gum to a new car can go on a
credit card, hopefully to be paid off
promptly at the end of the month.
From
teenagers
to
the
elderly,
everyone seems to have a credit card
in the United States. In fact, using one
seems as American as apple pie.
consumer n. /kənˈsjuːmə(r)/
a person who buys goods or uses
services
We need to educate consumers about
this technology.
我们需要让消费者了解这项技术。
LANGUAGE DEVELOPMENT
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US credit card culture
(A) Cash or charge? For consumers
in the United States, the answer is
usually
charge.
Everything
from
a
pack of gum to a new car can go on a
credit card, hopefully to be paid off
promptly at the end of the month.
From
teenagers
to
the
elderly,
everyone seems to have a credit card
in the United States. In fact, using one
seems as American as apple pie.
promptly adv. /ˈprɒmptli/
without delay
She deals with all the correspondence
promptly and efficiently.
她迅速而有效地处理了所有的信件。
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LANGUAGE DEVELOPMENT
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(B) The convenience of using a credit
card is one of the greatest motivations
for using one. Instead of constantly
having to go to a bank or an ATM to
withdraw cash, the piece of plastic in
your wallet can be used at any time
and for any transaction.
convenience n. /kənˈviːniəns/
the quality of being useful, easy or suitable
for sb.
We have provided seats for the convenience
of our customers.
我们为方便顾客提供了座位。
z
LANGUAGE DEVELOPMENT
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(B) The convenience of using a credit
card is one of the greatest motivations
for using one. Instead of constantly
having to go to a bank or an ATM to
withdraw cash, the piece of plastic in
your wallet can be used at any time
and for any transaction.
constantly adv. /ˈkɒnstəntli/
all the time; repeatedly
Fashion is constantly changing.
时尚是不断变化的。
I am constantly reminded how fortunate I am.
我经常被提醒我是多么的幸运。
LANGUAGE DEVELOPMENT
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(B) The convenience of using a credit
card is one of the greatest motivations
for using one. Instead of constantly
having to go to a bank or an ATM to
withdraw cash, the piece of plastic in
your wallet can be used at any time
and for any transaction.
withdraw v. /wɪðˈdrɔː/
to move back or away from a place or
situation; to make sb./sth. do this
He had withdrawn all the money from their
joint account.
他从他们的联名账户中取出了所有的钱。
LANGUAGE DEVELOPMENT
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(B) The convenience of using a credit
card is one of the greatest motivations
for using one. Instead of constantly
having to go to a bank or an ATM to
withdraw cash, the piece of plastic in
your wallet can be used at any time
and for any transaction.
transaction n. /trænˈzækʃn/
a piece of business that is done between
people, especially an act of buying or
selling
The
system
records
all
transactions
between the company and its suppliers.
该系统记录了公司与其供应商之间的所有
交易。
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LANGUAGE DEVELOPMENT
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(C) Many credit card companies
offer rewards to their customers.
Every
purchase
earns
points
that
can
be
applied
toward
goods,
cash
back,
or
airline
tickets. As a matter of fact, over
39
percent
of
millennials
choose
to
use
credit
cards
simply because of the rewards
that they are offered.
millennial adj. /mɪˈleniəl/
of or relating to a millennium
The millennial generation are now making
their mark on politics and shaping the
future.
千禧一代正在政治上留下自己的印记，并
塑造着未来。
LANGUAGE DEVELOPMENT
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(D) A credit card can also be a
substitute
for
a
loan
for
a
substantial
purchase.
Although
interest
rates
are
generally
higher
than bank loan rates, there is no loan
application
process,
and
big-ticket
items can be conveniently purchased
with simply the swipe of a card. For
this
reason,
Americans
often
use
credit cards to purchase items like
cars, kitchen appliances and other
expensive products.
substitute v./n. /ˈsʌbstɪtjuːt/
a person or thing that you use or have
instead of the one you normally use or have
Nothing can substitute for the advice your
doctor is able to give you.
医生给你的建议是无可替代的。
• substitute A for B
• substitute B with/by A
Paul's father only saw him as a substitute
for his dead brother.
保罗的父亲只把他当作他死去的兄弟的替身。
LANGUAGE DEVELOPMENT
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(D) A credit card can also be a
substitute
for
a
loan
for
a
substantial
purchase.
Although
interest
rates
are
generally
higher
than bank loan rates, there is no loan
application
process,
and
big-ticket
items can be conveniently purchased
with simply the swipe of a card. For
this
reason,
Americans
often
use
credit cards to purchase items like
cars, kitchen appliances and other
expensive products.
loan v./n. /ləʊn/
money that an organization such as a bank
lends and sb. borrows
This exhibit was kindly loaned by the artist's
family.
这个展览是那位艺术家的家人好心借给他的。
She took out an $8 000 personal loan.
她申请了8000美元的个人贷款。
The loan repayment period is 10 years.
贷款还款期为10年。
LANGUAGE DEVELOPMENT
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(D) A credit card can also be a
substitute
for
a
loan
for
a
substantial
purchase.
Although
interest
rates
are
generally
higher
than bank loan rates, there is no loan
application
process,
and
big-ticket
items can be conveniently purchased
with simply the swipe of a card. For
this
reason,
Americans
often
use
credit cards to purchase items like
cars, kitchen appliances and other
expensive products.
substantial adj. /səbˈstænʃl/
large in amount, value or importance
Substantial numbers of people support the
reforms.
相当多的人支持改革。
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LANGUAGE DEVELOPMENT
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(D) A credit card can also be a
substitute
for
a
loan
for
a
substantial
purchase.
Although
interest
rates
are
generally
higher
than bank loan rates, there is no loan
application
process,
and
big-ticket
items can be conveniently purchased
with simply the swipe of a card. For
this
reason,
Americans
often
use
credit cards to purchase items like
cars, kitchen appliances and other
expensive products.
purchase v./n. /ˈpɜːtʃəs/
the act or process of buying sth.
• purchase sth. from sb.
The equipment can be purchased from your
local supplier.
设备可以从当地供应商购买。
• purchase sth. for sth.
They purchased the land for $1 million.
他们花了一百万美元买了那块地。
LANGUAGE DEVELOPMENT
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(D) A credit card can also be a
substitute
for
a
loan
for
a
substantial
purchase.
Although
interest
rates
are
generally
higher
than bank loan rates, there is no loan
application
process,
and
big-ticket
items can be conveniently purchased
with simply the swipe of a card. For
this
reason,
Americans
often
use
credit cards to purchase items like
cars, kitchen appliances and other
expensive products.
swipe v./n. /swaɪp/
to pass a plastic card, such as a credit card,
through a special machine
He swiped at the ball and missed.
他猛击球，但未击中。
She took a swipe at him with her umbrella.
她用伞猛击他。
LANGUAGE DEVELOPMENT
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(D) A credit card can also be a
substitute
for
a
loan
for
a
substantial
purchase.
Although
interest
rates
are
generally
higher
than bank loan rates, there is no loan
application
process,
and
big-ticket
items can be conveniently purchased
with simply the swipe of a card. For
this
reason,
Americans
often
use
credit cards to purchase items like
cars, kitchen appliances and other
expensive products.
appliance n. /əˈplaɪəns/
a machine that is designed to do a particular
thing in the home
Always switch off appliances that are not in
use.
总是关掉不使用的电器。
LANGUAGE DEVELOPMENT
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(E) In the US, having a good credit
score is considered an important part
of
financial
culture
and
can
even
determine one’s social standing. Data
is collected based on loan payment
and overall debt, and an average
score is calculated. A healthy credit
history can be built by using a credit
card and conscientiously paying the
balance in full every month.
debt n. /det/
a sum of money that sb. owes
I need to pay off all my debts.
我需要还清所有的债务。
I've finally cleared all my debts.
我终于还清了所有的债务。
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LANGUAGE DEVELOPMENT
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(E) In the US, having a good credit
score is considered an important part
of
financial
culture
and
can
even
determine one’s social standing. Data
is collected based on loan payment
and overall debt, and an average
score is calculated. A healthy credit
history can be built by using a credit
card and conscientiously paying the
balance in full every month.
conscientious adj. /ˌkɒnʃiˈenʃəs/
governed by conscience
She was a popular and conscientious teacher.
她是一位受欢迎的、认真负责的老师。
She performed all her duties conscientiously.
她认真地履行她的一切职责。
VOCABULARY
No.
Vocabulary
Part of
Speech
Phonetic Symbol
English Explanation
1
appliance
n.
/әˈplaɪәns/
a machine that is designed to do a
particular thing in the home
2
conscientious
adj.
/ˌkɒnʃiˈenʃәs/
governed by conscience
3
constantly
adv.
/ˈkɒnstәntli/
all the time; repeatedly
4
consumer
n.
/kәnˈsjuːmә(r)/
a person who buys goods or uses
services
5
convenience
n.
/kәnˈviːniәns/
the quality of being useful, easy or
suitable for sb.
6
debt
n.
/det/
a sum of money that sb. owes
7
loan
v./n.
/lәʊn/
money that an organization such as a
bank lends and sb. borrows
8
millennial
adj.
/mɪˈleniәl/
of or relating to a millennium
9
promptly
adv.
/ˈprɒmptli/
without delay
10
purchase
v./n.
/ˈpɜːtʃәs/
the act or process of buying sth.
VOCABULARY
No
.
Vocabulary
Part of
Speech
Phonetic Symbol
English Explanation
11
substantial
adj.
/sәbˈstænʃl/
large in amount, value or importance
12 substitute
v./n.
/ˈsʌbstɪtjuːt/
a person or thing that you use or have instead of
the one you normally use or have
13 swipe
v./n.
/swaɪp/
to pass a plastic card, such as a credit card,
through a special machine
14 transaction
n.
/trænˈzækʃn/
a piece of business that is done between people,
especially an act of buying or selling
15 withdraw
v.
/wɪðˈdrɔː/
to move back or away from a place or situation; to
make sb./sth. do this
Exercises
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1. Three years later, he is still paying off his debt.
2. Swipe your card through the phone, then dial.
3. It is usually hard for small businesses to get bank loan.
4. If you are unsatisfied with your purchase, you can get a refund.
5. We have provided seats for the convenience of our customers.
6. Substantial evidence exists to support this statement.
7. He stated that foreign forces would withdraw if the crisis ended.
8. They were substituting violence for dialogue.
P64
swipe withdraw substitute purchase
convenience debt substantial promptly loan
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Writing
Part Two
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Punctuation in English writing
Punctuation is used to mark the cadence, pauses, and tone in written English. In
other words, punctuation helps us to understand when to pause between fully
formed ideas when speaking, as well as organize our thoughts in writing. English
punctuation marks include: period. comma, question mark? exclamation mark!
colon: semi colon ;
Writing
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Writing
B. Comma
There are a number of different uses for commas in English. Commas are used
to:
• Separate a list of items. This is one of the most common uses of a comma.
Notice that a comma is included before the conjunction "and" which comes
before the final element of a list.
e.g.
I like reading, listening to music, taking long walks, and visiting with my friends.
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Writing
B. Comma
• Separate phrases (clauses).
This is especially true after a beginning dependent clause or a long prepositional
phrase.
e.g.
In order to qualify for your certificate, you will need to take the TOEFL exam.
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Writing
B. Comma
• Separate two independent clauses that are connected by a conjunction such
as 'but’.
e.g.
They wanted to purchase a new car, but their financial situation would not allow
it.
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Writing
C. Question
Mark The question mark is used at the end of a question.
e.g.
Where do you live?
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Writing
D. Exclamation Point
The exclamation point is used at the end of a sentence to indicate great surprise.
It is also used for emphasis when making a point. Be careful not to use an
exclamation point too often.
e.g.
That ride was fantastic!
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Writing
E. Semicolon
There are two uses for a semicolon:
• To separate two independent clauses. One or both of the clauses are short
and the ideas expressed are usually very similar.
e.g.
He loves studying; he can't get enough of school.
• To separate groups of words that are themselves separated by commas.
e.g.
I took a holiday and played golf, which I love; read a lot, which I needed to do;
and slept late, which I hadn't done for quite a while.
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Writing
F. Colon
A colon can be used for two purposes:
• To provide additional details and explanation.
e.g.
He had many reasons for joining the club: to get in shape, to make new friends,
to lose some weight, and to get out of the house.
• To introduce a direct quote (a comma can also be used in this situation).
e.g.
He announced to his friends: "I'm getting married!"
Grammar
Part Three
one, it, that
A. We use one instead of a singular countable noun when it is clear
from the context what we are talking about:
“Can I get you a drink?” “It’s okay, I’ve already got one.”
Is this your umbrella? “No, mine’s the big blue one.”
B. We use it when we talk about a particular thing, place, fact,
situation, etc.
I wasn’t expecting them to come. It was a complete surprise.
C. We can use it at the beginning of a sentence to place long or
grammatically complex sentence elements at the end:
It is dangerous to walk in the road.
It’s a miracle that she wasn’t hurt.
D. Sometimes, it is also followed first by an adjective or noun phrase
and then a that-clause or to-infinitive clause:
Officials said that they believe it unlikely that any lasting damage to
the environment has been done.
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E. We use that to refer a person or thing that is not near the speaker
or a person or thing that has already been mentioned.
Look at that man over there.
Do you remember when we went to Norway? That was a good trip.
Exercises
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Complete the sentence using one, it or that.
1. I haven’t a pen. Can you lend me one?
2. Few pleasure can equal that of a cool drink on a hot day.
3. I have a blue bike. My uncle gave it to me.
4. The information on the Internet gets ground much more rapidly than that in the
newspaper.
5. It is difficult to walk on the moon.
Special Training
for CEE
Part Four
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My best friend Barrie was an inspiration to me. He had a ___1___ (love) son named Blair who
died of cancer. We all knew Barrie loved his only son very much, but he had to face the fact. His
painful ___2___ determined expression impressed me.
Years later, Barrie came to visit me. He brought a handmade wooden top whose design was
passed down from generation ___3___ generation. The top was wonderfully balanced and when
properly___4___ (use), it would spin for several minutes perfectly.
Barrie noted that the top had a slight flaw in the wood. It was not enough to throw it off
balance, but enough to be ___5___ (clear) noticed. I nodded. But, ___6___ he also pointed out,
when the top was spinning, the flaw was totally invisible. It was only when it was standing still
___7___ the flaw was visible.
The lesson of the top is this: when we are ruined by a flaw of some kind, damaged by tragedy
or error, or simply feeling a bit low ___8___ spirit, the key to success is to keep ___9___ (move).
When we are busy, our own flaws or sorrows are made to seem ___10___ (light) to us and to
those around us.
1. lovely
2. but
3. to
4. used
5. clearly
6. as
7. that
8. in
9. moving
10. lighter
P90
Fill in the blanks
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