国际交流英语视听说4U5听力原文及翻译课件

U 5 Listening 1
Dave Martin: Hello and welcome to Money Matters. I’m your host, Dave Martin. Tonight we’re
very lucky to have Dr. Regina Simmons of the Simmons Institute here with us to talk about money
and happiness. As usual, we’ll be taking calls from you, the listeners. If you have a question for Dr.
Simmons, please call in. Good evening, Dr. Simmons.
Dr. Simmons: Good evening, Dave. It’s great to be here.
Dave Martin: The pleasure’s ours. Dr. Simmons, let me start by asking you this question: What’
s the relationship between money and happiness?
Dr. Simmons: Well, Dave, a recent study by psychologist Elizabeth Dunn at the University of
British Columbia seems to show that—for most of us—what makes us happy is giving money
away, not spending it on ourselves. That’s what Dunn said in a recent interview with National
Geographic.
Dave Martin: Really? How did she discover that?
Dr. Simmons: Well, it was when Dr. Dunn started making more money—uh, when she got a job as
a professor. She started to get interested in whether money could buy happiness or not. She
wanted to use the extra money she was making in ways that would bring her happiness.
Dr. Simmons: As a scientist, she looked for studies and research on the subject of money and its
relationship to happiness. To her surprise, very little information on the subject existed. So Dr.
Dunn decided to do some scientific research to see if people might get more happiness from
using their money to help other people, rather than themselves.
Dave Martin: Uh-huh. And how did she research this topic?
Dr. Simmons: That’s a good question. Let me give you an example. In one of her first studies, Dr.
Dunn and her fellow researchers gave a group of people a small amount of money in the morning.
They asked some of the people to spend it on other people, and some to spend it on themselves.
Dr. Simmons: At the end of the day, the researchers interviewed everyone. The researchers
discovered that the people who spent the money on other people were happier than those who
had spent it on themselves. Since then, Dr. Dunn has completed a lot of other research on money
and happiness.
Dave Martin: Has she? Oh, excuse me, but I think we have our first caller. Hello, you’re on the air.
Caller 1: Uh, hello, I wanted to know what are some of the mistakes people might make if they try
to buy happiness with money.
Dave Martin: Thank you, caller. Dr. Simmons?
Dr. Simmons: Yes, well, one very common error is to make a major purchase such as a big house
that you can’t really afford. Many people simply assume that owning an expensive item—a
home or a car—will make them happy. But, you know, buying a home is a big financial
commitment, and in fact people often go deep into debt to buy one. Actually, there are no
statistics to prove that owning a home makes people happy.
Dave Martin: I see. Are there other studies relating money and happiness?
Dr. Simmons: Oh, sure. Another interesting study was recently done by researchers Leaf Van
Boven and Tom Gilovich. They looked at the value of spending money on experiences. People can
buy items such as cars, houses, clothes, and DVDs. But experiences are different from other items
that people purchase. For example, vacations, concerts, or language lessons are experiences. So,
anyway, these scientists used surveys to ask people how they felt about the items they bought

compared to the experiences they bought. Well, the researchers discovered that money spent on
experiences made people happier than money spent on items. The reason for this is probably
because experiences are more meaningful to a person, and they contribute more to successful
social relationships.
Dave Martin: Interesting! Oh, we have another caller on the line. Go ahead, caller.
Caller 2: Hello. My question is how much money do you need to be happy.
Dave Martin: How about that, Dr. Simmons? How much money do we need?
Dr. Simmons: Well, OK, obviously that’s not an easy question to answer. People like to say that
“the best things in life are free”, which implies that money doesn’t matter to happiness. And
we all know that’s not true. Money is definitely not the most important component of happiness,
but at the same time, having no money can definitely affect happiness.
Dr. Simmons: There was a very interesting study recently done by an economist, Angus Deaton,
and a psychologist named Daniel Kahneman. They wanted to know whether more money means
more happiness. They analyzed surveys written by thousands of people. Their research
demonstrated some very interesting things about money. Once a person earns more than
$$75,000 a year, making more money ceases to significantly change one’s level of happiness.
Dave Martin: So, in other words, after a person earns more than $$75,000 a year, more money
doesn’t have a big effect on your everyday happiness.
Dr. Simmons: Exactly. The thing that’s important to remember is this: It’s not about how much
money you have. When it comes to money, it’s what you do with the money that can promote
your happiness—especially if you use it to help others and to have your own enjoyable
experiences.
Dave Martin: Thank you very much, Dr. Simmons. We’re going to pause now for a short
commercial break.
戴夫·马丁:大家好,欢迎来到钱很重要 。我是你的主人,戴夫·马丁。今晚我们非常幸运有西蒙
斯学院的Regina Simmons博士在 这里与我们谈论金钱与幸福。像往常一样,我们会把电话
从你的听众。Simmons博士,如果你有问 题请致电。晚上好,西蒙斯博士。
Simmons博士:晚上好,戴夫。很高兴来到这里。
戴夫·马丁:是我们的荣幸才对。Simmons博士,首先,让我问你这个问题:金钱与幸福之间的关
系是什么?
Simmons博士:嗯,戴夫,最近的一项研究在英国哥伦比亚大学的心理学家伊丽莎白 ·邓恩似乎
显示,尽管我们大多数人捐钱让我们快乐,不花钱。这就是邓恩与《国家地理》在最近的一次
采访中表示。
戴夫·马丁:真的吗?她是怎么发现的?
Simmons博士:嗯,当邓恩博士开始更多的money-uh,当她找到了一份工作作为一个教授 。她
开始变得感兴趣是否金钱可以买到幸福。她想用额外的钱的方式将她的幸福。
Simmo ns博士:作为一个科学家,她寻找的主题研究和研究金钱和幸福的关系。出乎她的意料,
很少信息主体 的存在。所以邓恩博士决定做一些科学研究,看看人们会得到更多的幸福从使
用他们的钱来帮助别人,而 不是自己。
戴夫·马丁:嗯。和她怎么研究这个主题?
Simmons博士:这是个好问题 。让我给你举个例子。在她的第一个研究中,邓恩博士和她的同
事们给一群人少量的钱。他们要求一些人 把钱花在其他的人,和一些人把钱花在自己身上。

Simmons博士:在一天结束的 时候,研究人员采访了每个人。研究人员发现,那些钱花在别人
身上的人快乐的人比花在自己身上。从那 时起,邓恩博士已经完成很多其他关于金钱与幸福
的研究。
戴夫·马丁:她?哦,对不起,但我认为我们首先调用者。你好,你在空中。
调用者1:哦,你好,我想知道有哪些人可能都会犯的错误,如果他们试图用金钱买来幸福。
戴夫·马丁:谢谢你,调用者。Simmons博士吗?
Simmons博士:是的,嗯,一 个很常见的错误是主要购买如你不能负担得起的大房子。很多人
简单地认为拥有一个昂贵的项目a房子或 车让他们开心。但是,你知道,买房子是一个很大的
金融承诺,事实上人们经常深入债务购买一个。实际 上,没有统计数据证明买房让人快乐。
戴夫·马丁:我明白了。有金钱与幸福相关的其他研究吗?
Simmons博士:哦,当然。另一个有趣的研究是最近由Leaf Van Boven和汤姆Gi lovich研究
人员完成。他们看着花钱的价值体验。人们可以购买商品如汽车、房子、衣服、和dv d。但
经历不同于人们购买其他物品。例如,假期,音乐会,或语言课程的经验。无论如何,这些科学< br>家使用调查询问人们感受他们买的商品相比,他们购买的经历。,研究人员发现,钱花在经历让
人 们快乐比金钱花费在项目。这样做的原因可能是因为经历更有意义的人,他们成功的社会
关系作出更大贡 献。
戴夫·马丁:有意思!哦,我们有另一个调用者。去吧,调用者。
调用者2:你好。我的问题是多少钱你需要快乐。
戴夫·马丁:怎么样,西蒙斯博士吗?我们需要多少钱?
Simmons博士:嗯,好吧,显 然这不是一个容易回答的问题。人们喜欢说,“生活中最好的东西都
是免费的”,这意味着金钱不重要, 幸福。我们都知道那不是真的。钱绝对不是幸福的最重要组
成部分,但与此同时,没有金钱确实能影响幸 福。
Simmons博士:最近有一个非常有趣的研究由经济学家安格斯·迪顿和一个名叫丹尼尔?卡 尼
曼(Daniel Kahneman)的心理学家。他们想知道更多的钱意味着更多的幸福。他们分 析了调
查由成千上万的人写的。他们的研究证明了一些非常有趣的关于钱的事情。一旦一个人一年
的收入超过75000美元,赚更多的钱就不再显著改变一个的幸福水平。
戴夫·马丁:所以,换句 话说,当一个人一年的收入超过75000美元,更多的钱并没有很大的影响
在你每天幸福。
Simmons博士:没错。重要的是要记住的事情是这样的:它不是你有多少钱。当涉及到钱,这
是你 的钱可以促进happiness-especially如果你用它去帮助别人和你自己的愉快体验。
戴夫·马丁:非常感谢,西蒙斯博士。我们将暂停了一个简短的广告时间。


1. What does a recent study by psychologist Elizabeth Dunn show?
b. Spending money on others brings us more happiness than spending it on ourselves.
caused Dunn to research the relationship between money and happiness?
a. She had more money and wanted to use it in ways that would make her happy.

3. According to Dr. Simmons, what common error do people make when they try to buy
happiness with money?
b. They buy expensive things that they cannot afford.
their study, what question did Leaf Van Boven and Tom Gilovich want to answer?
c. Does money spent on experiences make people happier than money spent on items?
did Angus Deaton and Daniel Kahneman’s study reveal?
b. Making more than a certain amount of money doesn’t affect happiness much.
1。最近的一项研究由心理学家伊丽莎白·邓恩什么节目?
b。把钱花在其他比花钱自己带给我们更多的快乐。
2。是什么导致了邓恩研究金钱与幸福之间的关系?
a。她有更多的钱,想用它的方式,让她开心。
3所示。西蒙斯教授,常见的错误做些什么人当他们试图用钱买到幸福吗?
b。他们不能买昂贵的东西。
4所示。在他们的研究中,Leaf Van Boven和汤姆Gilovich什么问题要回答吗?
c。钱花在经历能使人更幸福比金钱花费在物品吗?
5。什么Angus Deaton和丹尼尔·卡尼曼的研究揭示了吗?
b。收入超过一定数量的金钱并不影响幸福。


Happiness Studies
I. Elizabeth Dunn
A. Research question: Do people get more happiness from spending money on
themselves or on other people?
B. Experiment:
1. Gave people money
2. Asked some people to spend it on other people, others on themselves
3. At the end of the day, researchers interviewed everyone
C. Result:people who spent money on other people were happier
II. Leaf Van Boven & Tom Gilovich
A. Research question: What is the value of spending money on experiences
versus items?
B. Experiment: surveys about experiences and items
C. Result: people who bought experiences were happier
III. Angus Deaton & Daniel Kahneman
A. Research question: Does more money = more happiness?

B. Experiment: surveys about money and happiness
C. Result: level of happiness stops after $$75,000
幸福研究
一、伊丽莎白·邓恩
研究问题:人们从花钱在自己身上得到更多的幸福还是别人?
b .实验:
1。给人钱
2。问一些人把钱花在别人,别人在自己身上
3所示。在一天结束的时候,研究人员采访了每个人
c .结果:钱花在别人身上的人快乐的人
二世。Leaf Van Boven &汤姆Gilovich
研究问题:什么是花钱的价值体验
与物品吗?
b .实验:调查经验和物品
c .结果:购买经验的人更快乐
三世。Angus Deaton &丹尼尔?卡尼曼(Daniel Kahneman)
研究问题:更多的钱=更多的快乐吗?
b .实验:调查关于金钱与幸福
c .结果:幸福停止在75000美元的水平


Listening 2

James: This place is so crowded today. Do we really have to eat here, Tina? I only have half an
hour for lunch. Can’t we go to the place next door? It’s cash-only and the line moves fast.
Tina: I’m really sorry, James, but I don’t have any cash. I was planning to use my debit card for
lunch, and there aren’t any ATMs around here.
Donna: You know, I hardly ever go to the ATM anymore. I just get cash back at the supermarket.
Besides, I pay for nearly everything with my debit card or some kind of stored-value card—
especially on the subway or at the coffee shop.
James: Same here, Donna. Do you two ever use credit cards?
Tina: I have one, but it’s only for emergencies. Even though credit cards are useful, I think they’
re dangerous. It’s so easy to get into debt. It’s like a trap for consumers.
Donna: I know it. Actually, all these electronic payment systems worry me a little. I mean, what if
someone knows a lot about computers and figures out how to steal the money out of my bank
account, or maybe gets my credit card number and uses it to buy stuff?
James: You worry too much. Bank accounts are safe, and credit card companies don’t make you
pay if someone steals your card and uses it. But hold on tight to your stored-value cards. If you

lose those, there’s no way to get your money back.
Tina: By the way, here’s a trivia question for you. Which came first—the credit card or the debit
card?
James: I don’t know.
Donna: I think debit cards probably came first.
Tina: Actually, credit cards preceded debit cards. The first credit cards came out in the 1950s, I
think, and the first debit cards came out in the 1970s.
James: Really? That’s interesting. I’ll have to look that up online.
Donna: I’m thinking about taking out a loan to help me buy a car, so I don’t have to take the
subway anymore. Do you think it’s a good idea?
Tina: Oh, I don’t know. If you’re capable of paying it back right away, then it might be OK.
James: That reminds me, I read about an interesting way of borrowing and lending money. It’s
called peer- to-peer lending. You might want to check it out, Donna.
Donna: How does it work?
James: It’s simple. You go online and create a loan request, explaining why you need the money
and how you plan to repay the loan. But it’s not banks or finance professionals who assist you—
it’s individuals. A person will decide if lend you the sum you request.
Tina: Does that really work?
James: It’s worked for a lot of people. There’s even a service that lends money to people in
developing countries. The loans are usually pretty small, but even so, it’s surprising how much a
$$50 loan can help someone. Sometimes it can buy a lot when it’s exchanged for local currency.
Donna: Hmm, well, I would only do it if the interest on the loan and the fees were very low.
James: Those vary a lot, depending on the Web site. You should do some research first. Hey, you
know what, we’ve been waiting for a while now. I’m hungry! Donna, Tina, let’s go to the place
across the street. I’ll pay for lunch today.
Donna: Really? Thanks, James!
Tina: That’s so nice of you. Next time, I’ll pay for lunch instead, all right?

詹姆斯:这地方 太拥挤的今天。我们真的要在这里吃,蒂娜?我只有半个小时吃午饭。我们不
能去隔壁的地方吗?只用现 金的,动作快。
蒂娜:我真的很抱歉,詹姆斯,但我没有任何现金。我计划使用借记卡吃午饭,和在这 里没有自
动取款机。唐娜:你知道,我很少去自动取款机了。我刚刚在超市拿回现金。此外,我用借记卡
支付几乎所有或某种储值卡card-especially在地铁里或在咖啡店。
詹姆斯:我也一样,唐娜。你们两个会使用信用卡吗?
蒂娜:我有一个,但它只对紧急情况。 尽管信用卡是有用的,我认为他们是危险的。很容易陷入
债务。这就像给消费者一个陷阱。
多 娜:我知道。实际上,所有这些电子支付系统我有点担心。我的意思是,如果有人知道了很多
关于计算机 和数字如何偷钱从我的银行帐户,或者是得到我的信用卡号码和用它来买东西
吗?
詹姆斯:你 担心得太多了。银行账户是安全的,和信用卡公司不让你支付如果有人偷了你的信
用卡和使用它。但坚持 做你储值卡。如果你失去了这些,没有办法拿回你的钱。
蒂娜:顺便问一下,这里有一个小问题问你。这是第一信用卡或借记卡吗?

詹姆斯:我不知道。
唐娜:我认为借记卡可能是第一位的。
蒂娜: 实际上,信用卡之前借记卡。第一个信用卡出现在1950年代,我认为,第一个借记卡在
1970年代 。
詹姆斯:真的吗?这很有趣。我得查一下网上。
多娜:我想借钱帮助我买一辆车,所以,我不需要坐地铁了。你认为这是一个好主意吗?
蒂娜:噢,我不知道。如果你能支付它,那么它可能是好的。
詹姆斯:这倒提醒了我,我读到 一个有趣的借款和贷款的方式。它被称为点对点借贷。你可能
想看看,唐娜。
多娜:它是如何工作的呢?
詹姆斯:这很简单。你上网和创建一个贷款请求,解释为什么你需 要钱,你计划如何偿还贷款。
但这不是银行或金融专业人士帮助你的人。一个人将决定如果借给你总和你 的请求。
蒂娜:这真的有效吗?
詹姆斯:这是为很多人工作。甚至有一个服务,借钱给发展 中国家的人们。贷款通常很小,但即
便如此,出人意料的是,一个50美元的贷款可以帮助别人。有时它 可以买很多的时候兑换当
地货币。
多娜:嗯,好吧,我只会做它如果贷款的利息和费用很低。
詹姆斯:这些变化很多,根据不同的网站。你应该先做些研究准备准备。嘿,你知道,我们现在
已经等了一段时间。我饿了!唐娜,蒂娜,让我们去街对面的地方。我将支付今天的午餐。
唐娜:真的吗?谢谢你,詹姆斯!
蒂娜:你真是太好了。下一次,我将支付午餐,好吗?

1. Where are the people?
a. At a restaurant.
2. What payment cards do the speakers use the most?
b. Debit and stored- value cards.
ing to Tina, why are credit cards dangerous?
c. It’s easy to get into debt if you have a credit card.
4. What is the problem with stored-value cards?
b. If they’re lost, their value cannot be replaced.
statement about peer-to-peer lending is correct?
c. It allows individuals to loan money directly to other individuals.
1。人在哪里?
在餐馆。
2。演讲者使用最付款卡做什么?
b。借记卡和储值卡。

3所示。根据蒂娜,为什么信用卡的危险?
c。很容易进入债务如果你有一个信用卡。
4所示。储值卡的问题是什么?
b。如果他们输了,他们的价值不能被取代。
5。对点对点的借贷是正确的?
c。它允许个人直接向其他个人贷款资金。


Listening 2-1

Credit card debt is a major problem in the United States. The average debt per household is
reported to be about $$15,799, and the unpaid credit card bills in a recent year totaled around 69
billion dollars.
Kelly Jones got herself in debt by using 10 credit cards, but she recently ceased using them
completely. To pay off her $$15,000 debt, Jones works 64 hours a week at two jobs. She started a
debt management plan, and hopes to pay off her bills in seven years. She will no longer purchase
unnecessary items. “I have no idea what I bought. I have nothing to show for it,” she says. Now,
Jones warns young people not to repeat her errors, and tells them about what can happen if they
rely on credit cards too much.
Financial counselors ask people who are in debt like Kelly Jones to cut up all of their credit cards.
This is just one component of a process to help clients pay their bills. Counselors display the
cut-up cards to demonstrate that people are not alone. Cutting up credit cards shows the
commitment that hundreds of people have made to control their spending. Each year millions of
people seek help to get out of debt. Many of these people receive counseling and education to
promote better money management.
信用卡债务是一个大问题在美国。每个家庭的 平均债务报告约15799美元,和未支付的信用
卡账单在最近一年总计约690亿美元。
凯 利琼斯得到了自己的债务通过使用10信用卡,但最近她完全停止使用它们。来偿还15000
美元债务 ,琼斯在两份工作每周工作64个小时。她开始一个债务管理计划,并希望在七年内
偿还她的账单。她将 不再购买不必要的商品。“我不知道我买了什么。我没有什么成果,”她说。
现在,琼斯提醒年轻人不要 重复自己的错误,并告诉他们会发生什么,如果他们依赖信用卡太
多。
金融顾问问人的债务像 凯利琼斯切碎他们所有的信用卡。这只是一个过程的一个组成部分,
以帮助客户支付他们的账单。辅导员 显示切好的卡片证明人们并不孤单。剪碎信用卡显示了
数百人的承诺来控制他们的支出。每年数以百万计 的人们摆脱债务寻求帮助。很多人接受咨
询和教育促进更好的资金管理。

is credit card debt a major problem in the United States?
Because the average debt per household is already about $$15,799, and the unpaid credit card
bills in a recent year has totaled around 69 billion dollars.

2. Why did Kelly cease using all her credit cards recently?
Because she owes the credit card companies a lot of money and she is working at two jobs in
order to pay her debt.
3. What steps has Kelly taken to pay off her credit card debt?
To pay off her $$15,000 debt, Kelly works 64 hours a week at two jobs. She started a debt
management plan, and hopes to pay off her bills in seven years. She will no longer purchase
unnecessary items.
4. What do financial counselors advise people in debt to do?
Financial counselors ask people who are in debt like Kelly Jones to cut up all of their credit cards.
5. According to the counselors, what does cutting up credit cards show?
Cutting up credit cards shows the commitment that hundreds of people have made to control
their spending.
1。为什么信用卡债务是一个严重的问题在美国?
因为每个家庭的平均债务已经约15799 美元,和未支付的信用卡账单在最近的一年总计约
690亿美元。
2。为什么凯利最近停止使用所有她的信用卡吗?
因为她欠信用卡公司很多钱,她是在两份工作来支付她的债务。
3所示。凯利已经什么步骤来偿还她的信用卡债务?
来偿还15000美元债务,凯利在两份 工作每周工作64个小时。她开始一个债务管理计划,并
希望在七年内偿还她的账单。她将不再购买不必 要的商品。
4所示。债务的金融顾问建议人们做什么?
金融顾问问人的债务像凯利琼斯切碎他们所有的信用卡。
5。根据辅导员,剪碎信用卡显示什么?
剪碎信用卡显示了数百人的承诺来控制他们的支出。



Listening 2-2
Interviewer: The world’s financial crisis shows that the way individuals manage their money can
affect the whole world. Still, many people are unsure of how the crisis began. I’m speaking with
economist Ken Lonoff. Mr. Lonoff, where did the crisis begin?
Interviewee: It began in the United States. As you know, most people want to buy their own
home, but very few people can pay in paper currency—cash, that is. Banks have to help these
consumers by loaning them money to buy things. People need to meet certain criteria to get a
loan. For example, they need to have a job and be able to pay their bills.
Interviewer: So, how exactly did this crisis begin?
Interviewee: Well, in the years that preceded the crisis, the economy was good. Financial
professionals made as many loans as they could and earned a fee for each one. They were happy
to assist anyone who wanted a loan. Even people without jobs were capable of getting loans. A
huge number of these loans were made.
Interviewer: When did things start to go wrong?

Interviewee: Things started to go wrong in 2007, when many people could not pay back their
loans. These loans were the foundation for many businesses in the United States and all over the
world. Huge sums were lost, and many companies went out of business. Loans became very
difficult to get, and as a result, economies of countries around the world were affected.
面试官:全球金融危机表明,个体的方式管理他们的钱能够影响整个世 界。不过,许多人并不清
楚这场危机如何开始的。我与经济学家Ken Lonoff说话。Lonoff先生,这场危机在哪里开始?
应聘者:它开始于美国。如你所知,大 多数人想买自己的房子,但很少有人可以在纸
currency-cash支付,。银行必须帮助这些消 费者是借来的钱买东西。人们需要满足特定条件
的贷款。例如,他们需要有一个工作,能够支付他们的账 单。
面试官:因此,这场危机是怎样开始的?
应聘者:嗯,在危机之前的几年里,经济很好 。金融专业人士尽可能许多贷款和获得了为每一个
费用。他们乐于帮助那些想要贷款。甚至没有工作的人 能够获得贷款。大量的这些贷款。
面试官:当事情开始出错了吗?
应聘者:2007年,事 情开始变得不妙,当许多人无法偿还贷款。这些贷款是许多企业基金会在
美国和世界各地。巨额损失,许 多公司破产了。贷款变得非常困难,因此,世界各国经济受到影
响。

Question 1: Where did the crisis begin?
Answer: In the U.S.
Question 2: How did the crisis begin?
Answer: A huge number of loans were made, even to people without jobs.
Question 3: When did things began to go wrong?
Answer: hings started to go wrong in 2007, when many people can’t pay back their loans.

问题1:这场危机在哪里开始?
答:在美国
问题2:金融危机是怎么开始的呢?
答:大量的贷款,甚至没有工作的人。
问题3:当事情开始出错了吗?
答:每2007年开始出错,当许多人无法偿还贷款。