Bok HEY 2 ¢ > LEARNING OBJECTIVES In this lesson, you will learn to use Chinese to 1. Describe if you're a saver or a spenders 2, Identify ways to invest money; 3. Talk about ways to purchase a big-ticket items 4, Describe your spending habits; 5. Describe in basic terms the ups and downs of the stock market. RELATE AND GET READY In your own culture/community— * Do many people saye? * Do many people invest in the stock market or the housing market? * Do people get a mortgage or pay cash when purchasing a house?212 integrated chinese Level 2Part 2 Textbook Before You Study Check the statements that apply to you. (1 1thave a savings account. (2. 2.1 spend most or all of the money | earn. When You Study Listen to the audio recording and scan the text. Ask yourself the following questions before you begin a close reading of the text. 1.In general, do you think Chinese people are savers or spenders? boo PAAEM AA, —RAKARE, RAMAOR, IPRA HAY MM TRRERAT, REAMA OT, A PREC Roem, HIRE LIRR AA AAR 0 BR ARMA, REREAD, ABAD, RARE © HRS AMSA ESM AAR HIEM ToLesson 17+ wit maetpee 5atz 213 (Oy 3.1 think investing in the stock market is risky. () 4.thope to buy a house after | graduate from college. 2.Why do many Chinese people start to look into ways to invest their money? 3. What does Tianming’s cousin want Tianming's aunt to do? 4,Does Tianming's aunt follow her son's advice? bog PRARAAMG, —BAMAR, RAM, POR REDO MM TAMARHT, REAMAM IT, PREAH — OWE, PRS RRA TARA AAR OAR BAMA, REREAD, PARAD, REA © TRRS AFA EAI FAM To214 imegrated chinese + Level 2 Part 2 Textbook HC, POO AO MERI, EPR BORA FRA RAE o AAA LRA “OIE”, WR OR HOR WIE MER © RA LA RMA IE LT MAL, (MIA REALE, Ms Rissa, ARLE RLF © BRULAARAARUEME PER, HAREM NRRA BIFRALA C” ARINBAK, 1 OR RP RIE, Rie sPAP RAR He 5 He 0 RABE ERAS BRM OO, SRR Re WT PARMA, AEH SH o MAE R, RPA T kk Ok ES: KY, REMMPRKILT? RAW: Ft, RAPRAWA Io HISAR P RR T, RE JEGATRESLIB RY © Keb. Ab? RAW, BAGH MRAM PER RATHER, ROIS The EASES © BO: ARLE! BRARAAI+ Heo RAW: TRA, RAR o MRL TIER EE © Ro: REE? RAW, APRRWNEREMGT LIRR AML — init B, PRM © RG: det Aas ° FAM: TRACHOMA LE WR ° Rta Ege IRAE, SA SPLATT 0 HUMES RAF, BERT B+ Se, MBE -BA- EMG, HAMIL LAR AE © LANGUAGE NOTES © FAR/A Hr is short for FF #51 H/ BF 04 4s (housing price).H Lesson 17> Ht HK Me SA 215, RU, POR, RFRA MAE abiha o WHA ALBA “WH” ©, BRIERE DP, FoR ALI REIEA © EA EAL ERIE FHA, RUE ik aR ab iy FRAGA, MRR RSA, FT ci o SRUAADABRRDEARER, AALS “RRA THRACH ©” AMMAR, ORT RURIE, Kio seey FILA Bh EG © if BE. * * wes KAW: we: KAM: we: KAW: We: HKAW: me: RAW: KRRWFEPRAFS RRRBY OE, SRR EME THREAAAM, FIRMS o AMPA, WHRAT Re * RW, LEMBRILT? Kf, RAFRRH RIL © HMI AFAR PERT, AF SERA BLABY © AA? BERET © WISH BUT BR, RETF FS LAA © RFLRSGR! RRARAAAXT AM © TRA, RPP o GRA TT -MERM EE © HALE? RFRA ERE MS? WG BA RF Hh ALE — ap AH, SL AEALAD © Het LAF © TEAM A EKA © WNUALIEM WARE, SN HERAT T OMAR AT, BIG EST UT 4, BBE-EA— LMF, APP MURILE LIBRA © @ Mk is HLF (stock or share}. ML is slang meaning “to flip stocks” or “to speculate in stocks.”216 Integrated Chinese « Level 2 Part 2+ Textbook JED: UM BALA T | BL, A PLR A RA Ag AL ENT 0 RAB: PRAGA RH IRB 0 RAAT YA Bk WSK, MAM T ABLE KAO Fo 10 ERK aE o KS: GED FRAT I © BMY, Pp EA KT Z+#R, DT BAARL-BEF, THK m1 KMEKA, S+HHRERN EPEAT © e—vb, ORB A KK RAP HE? FAM: Ft, ARIAT MIR 7 Hbdy, AeA LEH EFT e ES: HT, BALSRMIAT © RAW: WHR, WRI HIN o HIMBA, APT KLEEB GT, ARARRRLEMGS Fl T, LAMA RAT © BS: RPT AH-BEFT? FRA: RR © HTK EIR VAT Ae He a EL dr de FEAG, WRK © WT BAAR DA A AGE i EY A SET AYR, MEEET, RARATT o ES. thlwiasstae ye? RAM: TRE? Bb: RAG FMI AAG? REKLY— HA AK EAA, MEP, RAR HT MS, RMS P-AR, RASMA, BT—Ho RAW: NEPA RMA? RG: FAK BMHRR EF, GRAB o RAW: ARAGARR- GM RMF, RMI RADER AZo LANGUAGE NoTES © % AK means an elderly lady. However, it is rarely used as a form of direct address. We can say 2 KK, EEF/4FF to refer to older relatives in our immediate family. In China, respect for the elderly is still an important traditional value. The word 2 carries no stigma, The term 4/48,KAM: 3 RAW: me: KAW: we: KAM: we: TRAM: we: RAM: we: RAW: Lesson 17° HMR SH 217 MAAK T! BL, KBP ARAL © TRAE RAB E-BEF 9 RATT AA ke BSA, LAIEIGTET KAA OF —P PERK ea BMRA © RHR, PSA AMT Z+H, ATEEARL-BGT, ETRK OOD KBLAA, SFHHRPRESFEMLT 0 e—e TRAE ALA RIE? at, FARRAR ALISO Te, RAAT ER BFT° sei, BALSA ART « EVR, MHRA o BALA, Me APT -K2E-F RLU, ARERRALLEWAOM T, RASA ART APT BIH-BBTT? FRR © AER VLG BRUT ARH EI dd DRE, PIL © TIL AR RS FLAT LAN ASE ERD MI RVR, RELET, RBLBTT © est ALARA IE HE HO? TREY? TRIG KoA A IY? ELLA — ALA ABB EAL, RTA, AGREE T KE, RMA, KIISAA, BT-He EEFRAERAEA RIOR? BU ARO MREBT, BRAT © HRERLAA-HHROE, REEUREREX RE o for instance, is widely used to refer to not just one’s teachers but also to anyone accomplished in some discipline or field. © BEN /3LM is pronounced “shuifé” in Taiwan. © HEF is shore for KEE FIH/ME A M (stock marker).218 Integrated Chinese « Level 2 Part 2 + Textbook After You Study Challenge yourself to complete the following tasks in Chinese. 1. Recap the story of the two elderly women told by Tianming's cousin. 2.1n chronological order, list Tianming’s aunt's ideas for what to do with her money. eR ] PB A/C NAME att | | eh] em] eR) A te | we |e | oe SHER (S)AMT RRB | HER | AES +: OXSUSD ORAEUR CB #IPY OS HHKD + B Oe Phe BCI) SRIMT ARE TRAM TARPLesson 17+ ease Hens Att 219 3. Among the investment options mentioned in the text, pick the one that you think is most appropriate for you. {Be BE: FT 3, Sei (/N5). ca) 100 50) 100] 5 20) JASE 10) ae PEPE: j ANGUS SM I SRATICAHUT » TF KIRA) AEF BAPE ak eae SLE CIEAL) ey ART RE RABAT RP220 Integrated Chinese « Level 2 Part 2° Textbook (om VOCABULARY 1. FE Tica 2 BG LIE tour 3. AAR ANAT shengya a ALB fix 5. 3g An zéngjid 6 vixlang 7 FP ABP shang cht ‘I AL ian yong a. Fak cankuiin 9. AHA fangshi 10. oR mm zhang uy chio 12, TH xiaofei 3 FE xiéngshou va, 5] AR yingi 15. Qe sikio 16. PR médodin 17 BPS ARID —oyumen vo wn vin adv vin vin nladj adj to manage money to invest (money); (financial) investment to be left overs surplus interest to increase; to add all along; the whole time; constantly [See Grammar 1.] to be frugal (with food and other living expenses) bank savings way; method (of water, prices, ete.) to rises to surges to go up to stir-fry; to sauté; to speculate (for profit) to consume to enjoy; enjoyment; pleasure to give rise to; to lead to to think deeply; to ponder over; contemplation; cogitation contradiction; contradictory; conflicting gloomy; depressed18. 19. 20. 21. 22. 24, 25. 26. 27. 28. 29. 30. 31. 32, 33. 34, 35. 36. 37. 38. 39, = BF tik FIG BK BAe THE cs a 7 At ie TA bi sanzi sani weihiingl suan he laotaitai zan laonian shuofa zhongya jiézhe zhong qian hétong xiangfa tardn Jiémai méajiang giishi m n adj/v n ad Lesson 17+ Bat Si ITEM SALI 221 (measure word for sums of money) son’s son; grandson son’s daughter; granddaughter fiancée to count as; to be considered as to combine; to join to persuade; to advise; to urge hard; strenuous; toilsomes laborious; | to work hard; to go to trouble elderly lady to accumulate; to hoard; to saves to scrape together old age to persuade; to convince at last; in the end; finally; eventually to follow; to continue to fit exactly; to hit to signs to autograph agreement; contract, ideas opinion sudden; unexpected sisters; female friends or co-workers who share a sister-like bond mahjong stock market222 Integrated Chinese Level 2 Part 2 Textbook 40, EAM = RUM fengxian on risk; danger; hazard | a. a4 diya y to mortgage a2. ER gipiao on stock; share 43, BK dig v to fall 4a, BE we péi v to lose (money, etc.}; to suffer a loss in ( deal J * = fa Aes BURNER Set WAHL SOR S.A MLeomMTR, Jebel BRINE MEA HRA. BE MUTE MEPS.Lesson 17> RUMAH 5A 22d Culture Highlights @ The Chinese national savings rate is close to fifty percent, which is the highest among the world’s major economies. The average family puts away approximately a third of its income in savings. ICBC PEL BR @ before the early 1990s housing was allocated to city residents by the Chinese government. Rent was minimal. Most people have since purchased their rentals at very inexpensive prices. This kind of subsidized housing was so-called welfare housing. However, it is no longer available. Currently, the housing stock in China consists of “low-rent housing” (42. J), “economical, practical housing” (42848 JA /22 36 MF) sold below market rates to low-income people, and “commercial housing” (33 Se A). No matter what the housing type, the state owns the land. Land use rights have a term of seventy years [As of 2009, there is no residential housing tax in China. © There are two stock exchanges in mainland China, the Shanghai Stock Exchange and the Shenzhen Stock Exchange, each with its own stock index. Hong Kong also has an important stock exchange, as does Taiwan.224 integrated Chinese Level 2 Part 2+ Textbook Grammar (avs. it e — 18] means persisting from the past to the present. YEA Hebe o PREAH BEE ° (Ordinary Chinese people have always been thrifty.) HRB L AaB BA, A a aM ER AF © A-MRERKEM AMM, BH, AAR TRUER AA © (Ihave never liked going online for reading news or looking up information because of my poor eyesight.) DRHECE— ORB, PVM E RGF © DRHEE—OQKSBM, HARLERREF © (Little Zhang’s dad has never been good at managing money. That’s why he hasn’t been able to afford to buy a house.) — Hi denotes a continuous action or constant, unchanging state within a time frame. (ARM L—Ba Ee, RSH THRKES, Ha K RULE Raw, RAM THLAWIE, BK BH © (Last night he was on the phone for a long time. I called him several times but couldn’t get through.) LK ARRIBA, BARAT © LK HD RAI — BRL, BARAT © (Throughout college they were roommates. They were very close.) WAF—- HARARE, ULKRAR APR © ROSA AREER, PUBKARPR © (He was constantly thinking of investing in stocks last year, but his wife didn’t agree.)Lesson 17+ Seat HAR tM Sait | 225 e EITM, ETRE, KR— WAALS AFB o AEM, WET RE R, KR— WMH AME © (Old Wang lost a lot of money on the stock market. Everyone has constantly been trying to comfort him.) Summary of the 4@ Construction (I) If we want to describe what someone has done to something, and if that something is known, to the listener, it is best to use the 4, construction. e FARE th WW A RIN ALAR o RMA HERE BMA © (Show us the souvenirs that you got in Yunnan.) © A HRN OMMPRT EL? CRRA? WB KAA AAR F VE? GAR? (What happened to the pillows and comforters that you just bought? Why aren’t you using them?) BE RAVEN EBA T , PRA Fete AME oe AIA © RAC TCNVEBRAT T , FR He Fo ts RAGE EMAL © (gave them to my cousin and his fiancée as a wedding gift.) ® GMRBRAABT , GF ahve BILE RAARBT , HP ATH © (The air in the room isn’t very good. Why don’t you open the windows?) The 48 structure consists of: Subject + 76. + noun + verb + other element (complement, T , reduplicated verb, ete.) 48 is a preposition. In a typical F® sentence, the noun after 48 is not only the object of 48, but also the object of the verb, In @, 4228 /ZLAS Eb is also the object of A. In @, "ENT EAT is also the object of 3£. In ©, & F* is also the object of A/ FF.226 Integrated Chinese * Level 2 Part 2 Textbook @ Please pay attention to the following when using the 4, structure: A. The object of 48 must be known or at least recognizable to the listener. If you suddenly say to someone: MACPRIL MR 0 Ute ds Bedi © (Give me the magazine.) That person may be confused if the magazine was not mentioned or defined previously, and ask A ERE GE/ MAREE? HARE MAR AB? (What magazine/which magazine?) Bur if you say: BA te—-AAMELT © NA R4E-ARSET © (I just lost a magazine.) The listener will understand that you lost a magazine, not a computer or something else. B. There is usually a complement indicating result, a J , or some other element after the verb, This is because there is usually an impact on the object as a result of someone’s action, eg. BA/FP in ©. Here are some examples: RMR TART © ASdedeok FART © (The gusty wind blew that flower to the ground.) HRM CROFT © ME RAGA RICA PERT (Yesterday’s leftovers gave me stomach trouble.) HEGEL MH AeA AEP I 0 (Please give this letter to the teacher.) [Your giving will cause the letter to be in the teacher's possession.]Lesson 17+ Bat sedt tee 5 Ait 227 9 TEs Rete AFA Bde Rares AFL T © (My mother worries Pll lose my credit card.) [T here also conveys result, namely, loss. | ‘The verb in a 4® sentence can also appear in reduplicated form, e.g. ® brew] He RAS A eR eo TiAReM KI KA A RSS (Please let me try the moon cakes that you've just bought.) o fede AMES Fl ArT Ar, RAE T 9 HACARAS FAT A, RAE T 9 (He took a look at the contract and put it down.) ‘To sum up, when using the 48 construction, be sure to include a complement or some other element after the verb. See Lesson 20 for more on the 48 construction, 3. Reduplication of Verbs ‘We have studied the reduplication of verbs to make the tone of the sentence milder, e.g, © AtkecouEe TRO TAR (Can you please talk about how to manage money?) © KAAEAE, BURRIS HHH, Besa MAABAB, SURMRPA GIOE, BARE ° {Take a look at this book. It’s about environmental protection, and it’s very well written.) ‘The above are both imperative sentences. The actions are yet to happen. In this lesson, the reduplicated verbs are not time-specific. Rather, they indicate actions that occur frequently.228 Integrated Chinese Level 2Part2- Textbook © EAGT A PIR YA aT AR He EI HE, iP RIL ABATE VAS BIR VA BT EAR ER ANd RR Rb (Since she retired, [Tianming’s] aunt often plays mahjong and chats with her old co-workers.) This kind of reduplication usually occurs in pairs or threes and often suggests a sense of leisure and casualness. © a: MRA IE? AB JAE? (What do you do on weekends?) B: LE LMMMRK, RRR, —MAEH o ZAERMHRR, RANT, MRED © (either chat online [with fricnds] or play ball for a bit. I don’t usually study.) © FAMBAP RMR, HTK, PRG, HBR BMNERE RMR, tra, Hb, HMM © (Every morning the elderly people have a pleasant time dancing, practicing tai chi, or walking. They are quite happy.) Words & Phrases A.3] (to give rise to; to lead to) The verb 4] AS usually takes as objects nouns such as 12 &, BAF, CAL/ EAL, F/B, Hae HE, PAB) RAB, or EAR/ EAL. OO RF HM AMMA RE RAH EE © BF MAA PER 5) HI PRA EE © (The issue of their children’s education has not attracted these two parents’ attention.)Lesson 17+ Bit s4e HEM 5A 22D SRR AL 8 5] AMO A EAL © PARAM 25ST KAY LAL © (The issue of environmental protection has drawn much attention in different countries.) Hs EWG EIR S| Az EAT 0 1s Ey HEAL G | AL] PAN AY LF (Little Wang’s proposal met with objections from other students.) B. 3£() (to count as; to be considered as) The basic meaning of JE is “to count.” In this lesson JE means “to count as,” or “can be 2 taken as.” 2€ is optional. HELA G HABE W— MR, IH o KD ERA ABE KAA, HALAL © ([Tianming’s] aunt wanted to buy a new car for [Tianming’s] cousin’s fiancée as a wedding gift.) FERRARA, ARE ERE RGR SAL ABT O° RATA, TAT AREA RAT © (Take this money asa loan dias You cin ttaratewhasere EMF FRAO LTE © EAGT ERM ILF HB © (This child could be considered his son, I guess.) SEAR sometimes means more or less the same as 7, as in @—The car is a wedding gift— and @— The money can be considered a loan. However, sometimes 4-32. is not the same as 2. In ©, “this child” is definitely not his biological son, but “is considered” his son.230 integrated Chinese Level 2 Part 2 Textbook 7 et | C. 4 (to combine; to join) e » 4° means two or more people together: Het EIEN IL AR, SAP aLAT T © AAV LIEW ILA ARIE, Aim RALATT © (Their workplaces are close to one another. They can share a car.) RBTERERCA-EGF © MOAR EARSM-KEF © (Lisa plans to rent a house with Xuemei.) BIR PSUS HT AF © ARIE PAULO ET AG 0 (Ico-wrote a book with my advisor.) More examples: 2-3 —18) 3K/ 43 — 4NIK (to sing a song in chorus), 4° FJ — F BBME (TF — RABAE (to open a restaurant with a partner). the end; finally; eventually) H/F means the materialization of a certain, usually positive, result after long waiting and numerous changes. FPA BURT Ht, HAA ERAT T o FAR AEF RMT HS, MAF A ELRST o ([Tianming’s} cousin used this story to persuade [Tianming’s] aunt. Aunt finally agreed to buy a place.) MALUKKF FEEL TASH, De AGB J, RAT WIE, FRI G Oo RABMKAKE FEEL TASH, RABPABH T, AP TVR, FRI AIE © (Mr. and Mrs. Lin worked hard for over twenty years. Now they are retired, and they can finally relax and enjoy their lives.)Lesson 17+ Bat shaeeoem 5 Act 231 © PAFRREET, RTVIPFRRKT © MARGATE AT, RTVIPFRILAT © (The final exams were finally over. I could have some fun for a few days.) [E.ARA/ARA (ofollow;tocontinue) —_ | 48% / FEA, means “to continue doing something”, as in @ and @, or “to go on to do something,” as in @. o FAS, MILRARA UM © FBLA, WHA A IM © (It’s not over yet. Let me continue with the story.) e *LETIR, MERART, AMR © "LET IR, GEART, ANA © (There will be dumplings after the stir-fries. Let’s continue to eat.) 6 dA T BARR, HA Cie, HARA © WATT AME, aA a, RARER © (Lisa practiced a tai chi sequence and continued with yoga. She felt very good [afterwards}.) 22K is an adjective. It can be used as an adverbial, a predicate, or a complement following 4%. e ARB LEG 09 AI FEARS AEH 14 BLK 9 (Who would have imagined Aunt would suddenly change her mind.) SET © [adverbial] e BIA RRR, TR RA PAAR © [adverbial] MIA RAR, TRA PRA © (The weather was fine just now, but all of a sudden it started to rain.)232 Integrated Chinese » Level 2 Part 2 Textbook 8 EPR RIK, AR BEPALILA, © [predicate] SE FUR RR, RRA ELLA © (This thing was too sudden, I wasn’t prepared for it at all.) 8 MAREK TF, MARA AA © [complement] (He became ill without warning. I had had no idea whatsoever.) Language Practice A.Happy-Go-Lucky ‘| Li Zhe has earned enough credits for graduation and is currently waiting for word about an internship opportunity, so he has been taking it easy and relaxing these past few weeks. Based on the pictures,describe rw D> BRFRFGLETHER, FRIREURAHHER, KAA KAR eo RATT AMR Li Zhe’s daily activities by using reduplicated verbs. EXAMPLE: Early Morning: 1. Morning: 2. Afternoon: 3. After dinner:Lesson 17+ Rat Me HMEM SAA 233 | B. Think of It This Way! Suppose you have an old friend who isin a financially difficult situation. You want to help him/her out with some money but he/she refuses to take it. Try to press your old friend into accepting the money by using Hor HR. EXAMPLE:a loan from me D> FEMAIL AERA ARIA © 1. Thanksgiving gift 2. Chinese New Year gift 3.my investment in you f C. Sunny or Gloomy ) Some people's moods are determined by the weather. For instance, REARS, HAW, WREBS RRAA, WAM, BRE, RERKRRE, Fit, HREM © READ, Fi, BURA © Some people’s moods are set by the ups and downs of the stock market: Some people's moods are set by the appreciation and depreciation of the value of their house: [ D. Save Up, Give Up, or Something Else? a. Aska partner what big-ticket item he or she would like to purchase. Is ita r rrator,a TV, a laptop, a car, orahouse?234 integrated Chinese * Level 2 Part 2° Textbook bb. Ask him or her how he or she plans to pay for it. he or she going to save up for it, use bank savings, get a loan, ask his or her parents to lend him or her money, ask his or her parents for money as a gift, get a part-time job to pay for it, or give up? Ve 4T EER? Wat HEAR? HARA T? BARTLET? c. Can you offer your partner any advice? BEATE MK REAM BE E. Best Ways to Invest a. Brainstorm with a partner and list ways to invest money. b, Discuss with your partner the profitability and risk factors of the methods above, Rank them with #1 being the most profitable and least risky.¢. Present your conclusion to the class: BUNA, BRAK, Maea, BIR, Fy ARI Am PARR © Lesson 17+ BME HM SARs BS BATIAA RRIF TLRAA, RAZR, KUM, Fy ARS AM FPR 4. Comment on the other items on your list in terms of their relative profitability and risk. ( F. Are You a Spender or a Saver? ) a. Sort the words/phrases given into the following two groups to characterize a"spender’ and a "saver": SER E PARR FORA ESTE Het eh AERIAL RINE FRAG RAW HP Spender AME BELERG FORA ETS Arte A APT HE BEE236 integrated Chinese Level 2Part2 Textbook b, Compare your lists with a partner's and discuss how your lists are the same or different. self or herself'a spender or a saver. .Ask your partner to explain if he or she considers hi [ G.Be a Financial Consultant ] Role play: Imagine you're a financial consultant, and your partner is a person seeking advice. You are looking at your partner's monthly income and spending, and trying to offer advice on how he or she can cut expenses and put the money in the bank or the stock market. a. List income: salary, allowance, scholarship, etc. WA b. List expenditures:rent, groceries, utilities, car loan, cell phone, internet, books, restaurant take-out, etc. SLE (zhicha)Lesson 17+ ee MIR STEM 54H 237 Look at the two lists,and advise your partner on where he or she can cut expenses to put money into a savings account or invest itin the stock market, MRT AY IR * MTA AR ; TERT RAG BIST © 4A FRA ARATE © or or MET YA . HRT AYR , FER FE AER RL © FOB FE AS RAE ERE To238 Integrated Chinese » Level 2 Part 2+ Textbook Pinyin Text Zhdnggué gaigé kaifang yigidn, yiban rén shour bu gio, méiyou shéngyd de gidn, sudyi méiydu touzt liedi de wenti. Kashi xianzai bi yiyang le, hén dud rén shourd zéngjia le, éraié Zhonggué ldobaixing yixiang® shéng chi jian yong, sudyi hén duo jiating zai nquan shi Anquan, dan fix tai sho, yinhdng dou yéu cénkuan. Qian cin zai yinhing, qian zéngjia de tai man. Yushi hén duo rén kaishi kaolt) yong bié de fangshi touz le. Zuljin yi xié nian, Zhonggud de fang ji zhang de hén kuai, mai fangzi chéngwéi yi xi@ rén touzt de xuanzé. Yé you rén kan jin biérén “chao gii”®, zhuan qidn haoxiang hén réngyi, yuishi yé chao qi git lai, Hai you yi xié rén gang yuanyi ba qidn hua zai zini jidoyo shang, témen juéde rang zinii shdu dao zui hio de jidoyi, jianglai shiyé chénggéng, shénghué xingfii, cai shi zui ho de téuzi, Dangran yé you rén rénwéi you gidn jit \ggai xidoféi xidngshou, you rén shénzhi shud “ hi ziji de.” Zai tamen kan lai, ba® gian shéng xia lai téuzi, jan zhiyou hua le cai bird shi shu fi fu de xiangshdu shénghud. Zhang Tianming pingchang bu da kaoli) touzi licdi de shi, jintidn ta bidogé gén ta zai wang shang lido le bantian zhé ge wenti, cai yingi t de sikdo. TA ganggang xia xian, Lisha jitt 26u le jin lai. Lisha: Tianming, you shang wang lido tianr le? Zhang Tianming: Dui, shi bidogé zhao wé lido tianr. Gama gén bidogé nao qi maodun lai le, bidoge hdoxiang you dianr yumen. Lisha: Weishénme? Zhang Tidnming: Shud Idi hud chang. Gama t ii gin shéng chi jin yong cain le yi bi agian, yao lid gi sanzi sannd shang daxué yong. isha: Bidoga hai méi jié hn ne! Zhé qidn kan lai déi ciin érshi nian a Zhang Tianming: _Ké bu shi, bidogé yé zhayang shud. Houlai gtima xiang chu le yi ge hua qian de zhuyi. Usha’ Shénme zhiyi? Zhang Tidnming: Bidogé bu shi mingnidn yao jié hin ma? Gima yao gai bidogé de weihiingi mai yi liang Gama zhén hao. cha, suan shi jié han Niwa. Lisha: Zhang Tianming: Késhi bidogé tamen bir tongyi mai ché. Tamen lid shang ban de difang hén jin, hé yong yi liang ché jit xing le. Tamen quan gamaLisha’ Zhang Tidnming Lisha: Zhang Tianming: Lisha: Zhang Tidnming: Lisha: Zhang Tianming: Lisha’ Zhang Tidnming: Lisha: Zhang Tianming: Lisha: Zhang Tianming: Lesson 17 + 3094 S24 3/0 5 45 mai faingzi, shud gama xinkii le ji shi nian, yinggai zhi yi tao da yi xi@ de fangzi, sha shu fi fii de xiangshou tuixid shenghud. Tamen shud de tai dui le! Zaishud, mai fangzi yé shi yi zhng bucud de touzi a. Késhi gama shud ta de gian bu gou mai yi tao fangzi. Wo bidogé shud ta kéyi wai gima dai kuan, hai g&i gama jidng le yi ge Méigué ldotaitai® hé yi ge Zhonggué laotaitai de gishi. Zh@ ge gshi w6 yigian yé tingshud guo. Shud de shi, yi ge Zhonggué lGotaitai zn le sanshi nian qidn, dao le laonian cai mai shang yi tao fangzi, zhi le jin qu. Er yi ge Méiguo laotaitai, san shi nidn qian jid dai kuain mai fangzi zhu jin qu le. Bi yi bi, na ge ldotaitai géng hui shénghuo? Dui, bidoge jiti yong zhé ge gushi shuofu® le gama, gama zhongyi téngyi mai fangzi le. Hao a, wenti suan shi jiéjué le. Shiging hai méi wan, nf ting wé jizzhe shud a. Lidng ge xingqi qian, tamen kan zhéng le yi téo san shi yi ting ling wai de fangzi, bénlai houtian ji yao qui qian gou fang hétong le, méi xing dao gima de xiangfa tardn bian le, kan zhang le lingwai yf tao fangzi le? Ba shi. Gama tuixid yihou chang gén yigidn z yidi gongzud de lio jiémai men da da® majiang, lido liao tianr. Qian in guima tingshud you jf ge rén zhé liang nian chdo gi zhuan le bi shao qian, jit bian zhiiyi le, bu xiding mai fangzi le. Nandao ta xiang touzt giishi®? Ké bu shi ma? Késhi giima bit zhidao chio gi yu féngxian ma? Gén Li Wén fimi yigi da taijiquan de yi wei ioxiansheng, bi fangzi diya géi yinhang, ranhou ba qian quan mai le glipiao, méi xing dao giishi yizhi dié, bi dao sn ge yue, péi le yi ban. Mai fangzi shi bit shi jit: méiydu féngxian ne? Fang jia ti gao de shthou mai fangzi, dangran you féngxian. Kan lai touzi zhén bd shi yi jian jiandan de shi, bu zhidao gama zuihou hui z8nme juéding, 239240 Integrated Chinese * Level 2 Part 2 Textbook English Text Before China's Reform and Opening-Up, the income of average people was not very high, and [most people] didn’t have any spare money, so there was no question of investment and money management, However, it is different now. Many people’s incomes have gone up. Besides, ordinary Chinese people have always been frugal, and that is why many families have savings in the bank. Depositing money in the bank may be safe, but the interest is minimal, and the money accumulates too slowly. So many people have started considering other ways to invest and manage their money. In recent years China’s housing prices have risen rapidly. Buying real estate has become an investment choice for some people. There are also people who sce others “flipping stocks,” seemingly having an casy time making money, so they begin to flip stocks, too, There are still others who prefer to spend their money on their children’s education. They feel that letting their children receive the best education [possible so that they] will have a successful career and a happy life in the future is the best investment. OF course, there are also people who think that money is to be spent and enjoyed. Some go so far as to say that “money is not yours until you've spent it.” In their view, rather than saving money to invest ies far better to live in comfort. Zhang Tianming ordinarily doesn’t give much thought to investment and money management. ‘Today his cousin chatted with him on the internet about this question for a long time, and only then did he start to think about it. He had just logged off when Lisa came in. Lisa: Tianming, you were chatting online again? Zhang Tianming: Yes, it was my cousin. He wanted to chat with me. My aunt and cousin started to clash with each other. My cousin seemed a little depressed. Lisa: Why [did they clash with each other]? Zhang Tianming: It’s a long story. Before retiring, my aunt scraped and saved some money and planned to leave it for her future grandson or granddaughter's college education. Lisa: Your cousin isn't even married yet! Seems the money will have to stay in the bank for twenty years. Zhang Tianming: Exactly. That’s what my cousin said. Then my aunt came up with an idea to spend the money. Lisa: What idea? Zhang Tianming: [You know how] my cousin is getting married next year, right? My aunt wanted to buy my cousin’s fiancée a new car as a wedding gift. Lisa: ‘That's really kind of your aunt.Lesson 17+ Est sat H/F 5 AI 241 Zhang Tianming: Bue my cousin and his fiancée wouldn’e agree to her buying a car. Their work- places were so close to each other that they could share a car. They urged my aunt to buy an apartment. They said that my aunt had worked hard for years. She should live in a bigger apartment and enjoy her retired life in comfort. Lisa: They were right! Besides, buying an apartment is not a bad investment. Zhang Tianming: But my aunt said that she didn’t have enough money to buy an apartment. My cousin said that he could take out a loan for her. He also told my aunt a story about an elderly American lady and an elderly Chinese lady. Lisa! Pye also heard the story before. It is about an old Chinese lady who saved for thirty years. It wasn’t until she was very old that she bought an apartment and moved in. However, the old American lady took out a loan and bought a house and moved in thirty years earlier. If you compare them, which old lady knows how to live better? Zhang Tianming: That's right. My cousin used this story to persuade my aunt to finally buy an apartment, Lisa: ‘That's great. Problem solved. ‘Zhang ‘Tianming: That wasn’t the end of it. Listen to what happened next [lit. Listen to me tell the rest of it]. Two weeks ago they had zeroed in on an apartment with three bedrooms, a living room and two bathrooms, Originally, they were going to sign the purchase agreement the day after tomorrow. Who could have imagined it? My aunt suddenly changed her mind. Lisa: Did she have her eyes on another apartment? Zhang Tianmng: No. Since she retired, my aunt often gets together with her old friends from work to play mahjong and chat. A few days ago my aunt heard that some of them had made quite a bit of money flipping stocks, So she changed her mind, and doesn’t want to buy the apartment anymore, Lisa: Are you saying she wants to invest in the stock market? Zhang Tianming: Exactly, Lisa: But doesn’t your aunt know that flipping stocks is risky? An old gentleman who practices tai chi with Li Wen’s parents mortgaged his house to the bank and used all of the money to buy stocks. But who would have imagined that the stock market would keep falling. Within three months he lost half [of the money]. ‘Zhang Tianming: Is buying an apartment risk-free? Lisa: Buying an apartment when housing prices are too high naturally is risky. Zhang Tianming: It seems that investment isn’t a simple matter. I don’t know in the end what my aunt will decide to do,242 Integrated Chinese « Level 2 Part 2 Textbook SELF-ASSESSMENT How well can you do these things? Check ( ¥/ ) the boxes to evaluate your progress and see which tasks you may need to practice more. lean Very Well OK Alittle Talk about my philosophy on spending and saving Oo oO Mention some common ways of investing money Discuss if the stock market is risky or profitable Say how | would pay for a big-ticket item oooo oooo o oooo Describe how | balance my money