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from Tesco. It is the Catherine Kidston range from Tesco. Sam is matched her outfit today with a bag she bought in a supermarket. Angela is a fashion stylist. So tell me a little bit about your life. What are you wearing and what would you say your style is? My style tends to change week by week. Today I am wearing some jeans from Uniqlo.I’ve discovered Uniqlo jeans and bought about five pairs cos they fit really well. The boots are by Aldo .My T-shirt is from Tooshop. The jacket is a really old jacket that I bought in the States a few years ago. But um, yeah I mean it just…it does tend to change a lot. Over to New Bond Street, London’s designer shopping Mecca（胜地） and the style stakes have gone up a little. Some of the most famous and expensive shops in the world can be found here. Shops where you have to ask the price of that handbag…or pair of shoes…then you know you can not really afford it. Natalie, a student from the city, says being laid back is what gives London style its edge. I don’t know. Everyone says like. French is like so fashionable and stuff but I think we are quite trendy, we are a bit more casual, but I think we have got a good style going on and everything, a bit laid back, but everyone still looks cool. Seylia works in a jewelry shop. No shabby chic（流行式样，时尚） here. Cashmere scarf from Louboutin, because it is cold. Black coat from Prada and a Valentino bag, which is probably as colorful as it gets. Katie is a model and loves how people dress in London because everyone has their own individual style. I love London it is so unique.And like everyone’s got their own fashion. I love it here, because you can wear whatever and just fit in, it is great. I love London for that. Laura is a student and says she doesn’t really put any thought into what she is wearing. Fashion, I wouldn’t really call it fashion. It is just kind of chucked together, basically, what I am comfortable in. Camden is known for its grungy（脏的，乱糟糟）, daring and sometimes outrageous（极不寻常的） styles. Here fashion is whatever you want it to be. Teenagers don’t hold back much when it comes to choosing clothes. They just want to make personal statement .We are just crazy! We don’t hold back so much. It’s not all about being elegant or something like that. It’s more making a statement, some people. And we don’t care. Listening in
Presenter: How often do you change your clothes during the day?
Penny: Um I think it all depends on what I’m going to do. Um it might be as many as three times if… Presenter: Three times.
Penny: Yes, if I was … if I was going to go to gym, for instance, having dropped the children off at school I’d be wearing an outfit for… just a casual outfit for doing the school run, then I’d go to gym and get changed and then if I was going out in the evening I’d change again.
Presenter: Yeah. How about you?
Penny: Yeah, I think it depends what happens during the day. Most of the time though I just put on my clothes for work. I go to work I come home. Um maybe take something off, like er my shoes and change into a pair of slippers（拖鞋） or something, just a pair of sneakers. Um but there are times when if I go to gym, like Penny said, or if we are going out, my wife and I are going out for some occasion, I have to change into something a little nicer.
Presenter: And and so what would what would be the occasion when you changed into something nicer? It would be different from a work…？
Eric: Yeah like going to someone’s house for dinner or going out for dinner, or going to some kind of event. Presenter: Yeah yeah. Would that be the same for you?
Penny: Definitely. Going to the theatre, um or meeting friends for a drink, yes. Presenter: So you’d always change for a social circumstance? Penny: Definitely makes it feel more of an occasion.
Presenter: OK, and what about the clothes you are wearing at the moment, how would you know, what made you choose these clothes this morning?
Penny: Well I am going for an interview in an hour’s time so I’ve got to look quite smart and presentable so that’s why I am looking smarter than I normally would do in the day.
Presenter: I think you have got a head start here because you look very presentable. Penny: Ah thank you. Presenter: How about you?
Eric: I am able to go to work in fairly casual clothes so you know it’s fairly relaxed, nice and easy, anything I’m comfortable with but as long as it’s clean and boss says it’s alright.
Presenter: And so you dress for comfort or do you think you are fashion conscious as well?
Eric: Maybe a little bit fashion conscious yeah. You don’t want to stand out like a sore thumb（很显眼） and people make fun of you, you know for some reason, but at the same time you want to have your own bit of individuality. Presenter: I think you are discreetly fashion conscious, would you agree with…？
Penny: Yes and another a good trick I always do is carry my high heels in my hand bag and go in my trainers you see, and then I can charge along and jump on the bus and then, and then look… Presenter: And you manage high heels?
Penny: Yes once I’m there and haven’t got to move around too much.
Presenter: Very impressive, very impressive. What do you think your clothes say about your mood or your personality? Do you change depending…if you get up in the morning do you put on certain clothes depending on how you feel?
Penny: Definitely, yes. If I’m feeling maybe a bit down I do not want to war black because it’s quite draining(精疲力尽的) and also as you get older it’s draining too, so I might put on some warm colors or which um, I don’t know, sort of make your skin look lighter and your eyes sparkle a little more. Um I, I change…I would say I have got a lot of different colors clothes according to my mood.
Presenter: Yeah, and what about you? Do you change dramatically in the evening when you go out on town on the razz（狂欢） you know?
Eric: Well not really. Um yeah I might put on a nicer pair of shoes or maybe er get out of my jeans and put on a nicer pair of pants, something like that. But um for the most part, it’s a young organization that I work for and the boss is fairly young so we all dress um with a youthful thought in mind. Presenter: Thank you. 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（小木屋） 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（欺诈）artists, or frauds（诈骗）, 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（彩票） 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（乐透彩票） 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（庞大的） $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（气缸） 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（极快乐的）answer. 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（金银铸块、锭）… 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（德拉克马，希腊原货币单位）, 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… Passage 2
Speaker 1: As a student, you are probably living on a very limited amount of money, so here are our top useful tips to help you make
your money go further.
Speaker 2: One. Say no to credit cards! Banks may encourage you to use their cheap credit card facilities where you buy now and pay
later. It looks great but it’s easy to get into debt. If you do have a credit card, hide it and get it out only when you absolutely have to.
Speaker 1: Two. Look for bargains! You can look great in second-hand shops and charity shops. Learn to love eBay and look there
first rather than in shop windows. It could make all difference.
Speaker 2: Three. Stick to a budget! Work out exactly how much you have coming in each month and your necessary expenditure（花费、开销）-what you absolutely must spend, like rent, bill and food before you look at your disposable（可支配的）income- this means what you’ve got left for any extras and treats. Think first – do you really need that pair of shoes and can you afford to go to a restaurant this month?
Speaker 1: Four. Give up your bad habits(or at least keep them under control)! If you smoke, buy expensive coffee or regularly eat out,
giving it up or at least reducing the amount you spend on these things will save you more than you’d think.
Speaker 2: Five. Find ways to save money! If you got to the supermarket at the end of the day you may find some fresh produce like
meat and vegetables marked down in price. If you go to afternoon shows at the cinema or theatre you will save money while still going out and enjoy yourself.
Speaker 1: Six. Beg and borrow before you buy! If you need a book for an essay, has anyone else got it? Try and borrow it rather than
buy it.
Speaker 2: Seven. Plan ahead! A lot of unnecessary spending occurs because people fail to plan ahead and have to spend a lot of money
at the last moment. Check your diary. When you need those books .for your essay to write in June? Can you borrow them now? Or you need to make a trip. Can you buy the tickets in advance rather than at the last moment at a higher price?
Speaker 1: The economical habit you develop now while you’re at college will help you in later life. Don’t think ‘I’m poor and
miserable’ but instead tell yourself ‘I’m developing a highly important like skill.’ And it’s absolutely true.
……When I go out, I go fast, it feels good. Even if for a few moments, it, it’s, it’s just the most exhilarating（使人异常兴奋的）, most
wonderful, most magical things that can happen. And I know that I’m, I’m young again and it’s worth every day. It keeps me happy for a month.