Unit3SavingHabitsReadthequotesinoriginallanguage;iftheyaredifficulttounderstand,pleaserefertotheirtranslatedversions.Sometimestranslatedversionscancontributetoourownunderstandingoftheoriginal.奢則不孫，儉則固。與其不孫也，寧固。——孔子（公元前551年—公元前479年）

Ifluxuryentailsimmodesty...andthriftentailsausterity,Iwillchooseausterityoverimmodesty.

——Confucius（551—479BCE）Povertyoftendeprivesamanofallspiritandvirtue.Itishardforanemptybagtostandupright.

——BenjaminFranklin(1706-1790)貧困往往會剝奪一個人的所有精神和品格，口袋空空是很難站立的。——本杰明·富蘭克林（1706—1790）TextA:TheChineseCan’tKickTheirSavingsHabit1).Uponreadingthistitle,whatdoyouexpecttofindinthefollowingpassage?Takeawildguess!2).Whatdoes“kick”meanhere?Tofreeoneselfof(suchas,anaddiction)e.g.kickthehabitofbeingstingy.1.ReadtextAandthenanswerthefollowingquestions1).HowmuchdoNieshaveleftover?(para.1)2).Whydon’tNieseatoutorplanavacation?(para.2)3).Whatdoesthenormreferto?What’sthedownsideofsavingtoomuchinChina?(para.3)4).Accordingtoparagraph4,whydotheChinesekeepsaving?(para.4)5).DoyouagreewiththestatementthattherapidgrowthofChina’seconomyoffersanexplanationforthepersistenceofsavings?Why?(para.6)1.ReadtextAandthenanswerfollowingquestions6).WhydosomepeopleinChinaplantofundtheirownretirement?(para.7)7).WhatisChina’sGiniCoefficientaccordingtopara.8?Doyoubelieveit?(para.8)8).Whatdoesthecommonprosperityreferto?Couldyouexplainitinownwords?(para.11)1.ReadtextAandthenanswerthefollowingquestions6).WhydosomepeopleinChinaplantofundtheirownretirement?(para.7)7).WhatisChina’sGiniCoefficientaccordingtopara.8?Doyoubelieveit?(para.8)8).Whatdoesthecommonprosperityreferto?Couldyouexplainitinownwords?(para.11)2.Detailsofthetext1).Whydoestheteacher（Nie）claimtheyarenoteatingoutorplanningvacations?

A.Becausetheyprefertocookathome.

B.Becausetheyaretryingtosaveatleasthalfoftheirincome.C.Becausetheyhavetopaythemortgageandkindergartenfees.

D.Becausethegovernmentpoliciesarereliableinthelongterm.2).Whatisthereasonbehindthecouple'sdesiretosavemoney?

A.Theyarenotsureaboutlong-termgovernmentpolicies.

B.Theyearnlessthantheirexpenses.

C.Theyhavenootherfinancialresponsibilities.

D.Investinginrealestateistheirpriority.2.Detailsofthetext3).Whatdoesthecouple'sincomeprimarilygotowardsafterpayingfortheirnecessaryexpenses?

A.Luxuriesandentertainment.

B.Medicalorotherneedsforhisparents,retirement,andtheirdaughter'seducation.

C.PurchasinganotherapartmentinBeijing.

D.Theteacher’sprofessionaldevelopment.4)WhywasbuyinganapartmentpossiblefortheNiesin2009?

A.Becausetheyreceivedafamilyinheritance.

B.Becausetheywonalottery.

C.Becauserealestatewasrelativelycheap.

D.Becausetheyhadnootherexpenditures.

2.Detailsofthetext5).HowdotheNiesfeelaboutthepossibilityofgovernmentalsupportinthelongrun?

A.Theyarehighlydependentonit.

B.Theybelieveitisstableandreliable.

C.Theyarebuildingarelationshipwithpolicymakers.

D.Theyfeelinsecureaboutit.Keys:1-5:BABCD3.Appreciatetheseidiomaticphrasesandbuildsentenceswiththem.1).bemoreaffordable;householdnecessities(para.1)2).Putaside;putaway;stickwiththeplantodosth;feelinsecure(para.2)3).rebalancetoamoreconsumption-driveneconomy;sockaway;disposableincome;grossdomesticproduct;makeup;accountfor(para.3)4).precautionarysavings;launchreforms;fromcradletograve(para.4)5).

growatneardouble-digits;similarspikesinhouseholdsavings;duringtheirhigh-growthyears(para.6)3.Appreciatetheseidiomaticphrasesinthecorrespondingparagraphandbuildsentenceswiththem.6).adheretotheone-childpolicy;fundtheirownretirement(para.7)7).Toooldtofarm;afractionofsth;bestingy(para.8)8).povertyisnotsocialism,norissocioeconomicpolarization；onlycommonprosperitytakestheessenceofsocialism(para.10)9).apolarizedsociety；allowingsomepeopleandsomeregionstogetrichfirstistheinevitableprocess(para.11)TextB：WhyDon’tAmericansSaveMoreMoney1).Afterreadingthistitle,doyoufeelconfused?Perhapspeopletendtoassumethatindividualslivingintheonlysuperpowernationareextremelywealthy,possessingimmenseamountsofmoney.2).ThefollowingtextwillmakeitcrystalclearwhyAmericanstendtospendmoreandsaveless.1.ReadtextBandthenanswerthefollowingquestions1).HowmanytheorieswereputforwardtoaccountforAmericanlowsavingrateintextBandwhatarethey?2).“DoyouknowanythingaboutAmericanexceptionalism,andcouldyoupossiblytranslateitintoChinese?Also,doyoubelieveittobeamythorafact?2.Appreciatetheseidiomaticphrasesandbuildsentenceswiththem.1).behavioralpsychology;ausefulscapegoatforsomething(para.1)2).financialsecurity;beill-preparedforsth(para.3)3).besusceptibletoconspicuousconsumption;betheculpritofsthpara.12,13)4).inaworld