Unit 5 The Value of Money（一）-2026-2027学年高中英语教材全解必修三（人教版）

Unit 5 The Value of Money 教材全解（一） value;valuable;invaluable;worthless; ⊙单元核心词汇 worth;cost;expense;expensive;cheap;price;charge;free; afford;budget:save;deposit;withdraw 。单元同步语法 过去将来时 。单元文章对话 重点句型讲练 教材同步词汇全解全练 重点1 单元词汇 l.valuable/'vaeljuabl/adi.有价值的；宝贵的；珍贵的 词形变化：value(m.W.)价值；重视；valueless(adj.)无价值的（注意与invaluable 区别) 辨析：valuable指“值钱的”或“有用的”；invaluable指“极宝贵的，无法估价 的”，语气更强；worthless指“无价值的” 搭配：valuable experience宝贵经验；valuable advice宝贵建议；be valuable to sb. 对……有价值 例句：The professor shared some valuable insights on the project. 2.invaluable/m'valjuabl/adj.极有价值的；非常宝贵的 词形变化：invaluably(adv.)极其宝贵地；value(n.w.) 注意：invaluable并非“无价值”，而是“无法估价”，常与to/for连用 搭配：be invaluable to/for对…非常宝贵；invaluable experience极其宝贵的经历 例句：The support from my family was invaluable during the tough time. 3.worthless/'w3:ls/adj.无价值的；无用的 词形变化：worth(n.prep.)价值；值得；worthlessly(adv.);worthlessness() 辨析：worthless指毫无价值；valueless同义但较少用；invaluable反义 搭配：feel worthless觉得自己没用；be worthless to sb..对某人无用 例句：The old map turned out to be worthless because it was fake, 4.afford/a'fo:d/vt.买得起；担负得起；提供；给予 词形变化：affordable(adi.)负担得起的；affordability(.)可负担性 搭配：can afford sth./to do sth.负担得起（做）某事；afford sb.sth.为某人提供 某物 固定句型：can't afford to do sth.承担不起做某事的后果 With the rising prices,many families can't afford to buy a house in the city. 5.budget/bad3t/n.预算；预算案vt.&vi.编制预算；安排开支 词形变化：budgetary(adj.）预算的；budgeting(n.)预算编制 搭配：on a budget节省开支；within budget在预算内；budget for为…做预算 例句：We need to budget for the upcoming trip carefully, 6.deposit/d'pDat/n.存款；押金；沉积物vt.存款；存放；使沉积 词形变化：depositor(m.)存款人；deposition(m.)沉积（物） 搭配：deposit money存钱；a deposit account存款账户；pay a deposit付押金； deposit sth.in/with把…存入 You need to deposit $200 as a security deposit before renting the apartment. 7.withdraw /wI'dro:/vt.&vi.(withdrew,withdrawn)提取；撤▣；退出；收回 词形变化：withdrawal(n.)提取；撤▣；withdrawable(adi.)可提取的 搭配：withdraw money from从…取钱；withdraw from a competition退出比赛； withdraw one's statement收回言论 例句：He withdrew all his savings from the bank to start a business. 8.withdrawal/wm'dro:al/n.提取；撤▣；退出 词形变化：withdraw(v.) 搭配：make a withdrawal取款；withdrawal symptoms戒断症状；troop withdrawal 撤军 The bank charges a small fee for each withdrawal made at other machines. 9.expense /Ik'spens/n.费用；花费；开销 词形变化：expensive(adj.)昂贵的；expensively(adv.) 搭配：at the expense of以…为代价；living expenses生活费用；expense account 报销账户 例句：They traveled first class at great expense.. 10.charge /tfa:d3/vt.&vi.收费；要价；指控；充电n.费用；指控；电荷 词形变化：chargeable(adj.)应收费的；charger(n.)充电器 搭配：charge sb.for sth.因某事向某人收费；charge sb.with sth.指控某人某事； free of charge免费；in charge of负责 例句：The hotel charges$50 per night for a double room. 11.woth/w3:0/prep.值得；应得n.价值；作用 词形变化：worthy(adj.)值得的；worthwhile(ad.)值得做的 搭配：be worth doing值得做；be worth+钱数价值…钱；of great worth非常 有价值；worth it值得 例句：The book is well worth reading because it offers unique insights. l2.interest/'Intrast/,n.利息；兴趣；关注vt.使感兴趣；使关注 词形变化：interested(adj.)感兴趣的；interesting(adj.)有趣的；interestingly (adv.) 搭配：interest rate利率；have an interest in对…有兴趣；pay interest on支 付…利息；lose interest失去兴趣 例句：The bank offers a high interest rate for long-term deposits. 考点通关 单元词汇 (一)单句填空（用所给词的适当形式填空） 1.The old painting turned out to be completely (worth),so no one wanted to buy it. 2.My grandmother's advice is always (value)to me. 3.This ancient artifact is (invaluable)for the study of early civilization. 4.Many families cannot (afford)to send their children to private schools. 5.We need to stick to the (budget)we made at the beginning of the month. 6.If you want to open an account,you have to (deposit)at least 100 dollars. 7.He decided to (withdraw)his application after thinking it over. 8.Each (withdraw)from an ATM of a different bank may cost you extra fees. 9.The company paid for all the travel (expensive)during the business trip. 10.The shop will (charge)you an extra fee if you want express delivery. 11.Is this movie (worth)watching?I've heard mixed reviews. 12.The bank increased the (interest)rate to attract more savers (二)短文填空 Managing personal finances is not easy.First,you need to create a 1.. and spend money wisely.Before buying something,ask yourself:"Can I 2. it?"Sometimes we buy things that are 3. ,like cheap souvenirs that break quickly.In fact,good quality items are often more 4. (value)in the long run.When you have extra money,it's wise to 5. it in a bank account.The bank pays you 6. on your savings.If you need cash,you can make a 7. from your account.But be careful:some banks 8. a fee for each withdrawal.Some experiences,such as a trip with family,are 9. (invaluable)and well 10. the money you spend. 参考答案 (一)单句填空 1.worthless;2.valuable;3.invaluable;4.afford;5.budget;6.deposit; 7.withdraw;8.withdrawal;9.expenses;10.charge;11.worth;12.interest 1.budget;2.afford;3.worthless;4.valuable;5.deposit;6.interest;7.withdrawal; (二)短文填空 8.charge;9.invaluable;10.worth 教材同步语法全解全练 重点1 过去将来时 过去将来时 项目 内容 过去将来时表示从过去某一时间点来看，将要发生的动作或存在的状态。 定义 它常用于宾语从句、间接引语或叙述过去计划、预测等语境中。 1.would+动词原形 例：He said he would come the next day. 结构 2.was/were going to+动词原形 She was going to visit the museum,but it rained. ①用于宾语从句（主句为一般过去时，从句用过去将来时） 例：I knew(that)they would arrive soon. ②表示过去计划、打算（常与be going to连用） 核心用法 They were going to start at 7:00,but the bus broke down. ③表示过去的预测（常与think,hope,expect等动词的过去式连用） 例：We never thought she would win the game. the next day(第二天)，the following week(接下来的一周)，soon 常见时间状语after that(之后不久)，later(后来)，in the years to come(在未来的岁 月里)等。 在条件状语从句(if引导)和时间状语从句(when,as soon as等) 中，若主句为过去将来时，从句通常用一般过去时代替过去将来时。 例：He promised he would help me if I needed help, 易错点提醒 ·would do与was/were going to do的区别： would更侧重意愿或客观结果； was/were going to更侧重计划或迹象。 考点通关 过去将来时 语法专练一：单项选择(8题) 1.-Peter rang you yesterday.He said he you the book the next day. A.gives B.gave C.would give D.has given 2.The teacher told us that the school trip on Friday morning. A.starts B.started C.would start D.has started 3.I was about to leave when it began to rain.I a taxi. A.will take B.was going to take C.took D.have taken 4.She hoped that her dream true one day. A.came B.would come C.comes D.had come 5.They said they the project by the end of the next month. A.finish B.finished C.would finish D.have finished 6.一Why didn't you come to the party?一I but my car broke down. A.would B.would have C.was going to D.will 7.The weather report said it the following day. A.snowed B.would snow C.has snowed D.snows 8.He promised he me as soon as he arrived in London. A.called B.would call C.calls D.had called 语法专练二：语法填空(10题) 阅读下面短文，在空白处填入1个适当的单词或括号内单词的正确形式。 1.Jack told me that he part in the speech contest the next week. 2.He said he his speech every evening. 3.I asked him what topic he 4.He replied that he about the importance of environmental protection. 5.On the day before the contest,he called me and said he a little nervous. 6.I encouraged him and said I for his good news. 7.However,the contest because of the sudden rainstorm. 8.He said he for it for a long time. 9.He said he ready to show his ability. 10.I comforted him and said he another chance soon. 参考答案 语法专练一：单项选择 1.C;2.C;3.B;4.B;5.C;6.C;7.B;8.B 1.would take/was going to take 2.would practice /was 语法专练二：语法填空 going to practice 3.would choose was going to choose 4.would talk was going to talk 5.felt 6.would wait 7.was canceled 8.had prepared 9.was 10.would have A 教材同步文章句型精讲 重点句型 Winter Carnival in Quebec Keeping moving is necessary because it's too cold to stand and watch for long 结构：V-ing形式+谓语动词 中文：保持移动是必要的，因为太冷了不能长时间站着观看。 用法：动名词作主语，谓语动词用单数：多个动名词并列作主语，谓语动词用复数。 while admiring the ice sculptures everywhere in the city,much like those in Harbin in China,you can stop off with other tourists in an igloo for hot tea or coffee. 结构：介词+连接词+主语+谓语（陈述语序） 中文：当欣赏城市各处的冰雕时，你可以和游客停下来在冰屋喝热茶或咖啡。 用法：从句必须使用陈述语序，常见搭配介词有about,.of,for,with,in,while等。 The dogs pull sleds at great speeds so that they can race quickly 结构：主句+so that+从句（常含can/could/wil/would) 中文：狗以高速拉雪橇以便快速比赛。 用法：so that引导目的状语从句，意为“为了，以便”。 you can watch the snowboarding competition 结构：try to do sth.:尽力做某事；try doing sth.:尝试做某事 中文：你可以观看单板滑雪比赛。 用法：try to do强调主观努力，try doing强调尝试某种方法。 many have blue eyes. 结构：get/be used to+n./doing 中文：许多人长着蓝眼睛。 用法：to为介词，后接名词或动名词。注意区别used to do和be used to do。 Everyone who comes must be prepared to keep moving 结构：keep doing持续做某事 中文：每个来的人都必须准备好保持移动。 用法：近义表达：continue doing/go on doing Everyone who comes must be prepared to keep moving 结构：be prepared to do:准备好做某事；be prepared for:为某事做好准备 中文：每个来的人都必须准备好保持移动。 用法：区别：be prepared to do强调动作，be prepared for强调状态。 It is amazing how warm these ice houses can be! 结构：Itis+形容词+疑问词从句 中文：这些冰屋能有多暖和真是太神奇了！ 用法：it为形式主语，真正的主语是how warm these ice houses can be。 考点通关 文章句型 练习一：完成句子 1. (walk)in the snow is fun but tiring. 2.The coach advised that we (keep)moving. 3.They tried (build)an igloo for shelter. 4.The tourists are used to (drink)hot coffee. 5.You should dress warmly so that you (not catch)a cold. 6.Please keep (listen)to the guide's instructions. 7.He is worried about (fall)into the icy river. 8. (admire)the ice sculptures takes a lot of time. 9. (know)how to stay warm is necessary in winter. 10.Whatever (happen),we will enjoy the carnival. 1.在寒冷中待很久是不舒服的。 2.导游建议我们穿暖和的衣服。 3.你应该尝试喝热茶来暖身。 4.他们不习惯生活在如此低的温度下。 5.狗大声叫以便主人能听到它们。 6.我们必须一直移动来保持温暖。 7.你能告诉我你想尝试哪些活动吗？ 8.即使很冷，他也没有放弃。 9.为冬天做好准备很重要。 10.无论你在嘉年华上看到什么，都会令人兴奋。 1.Walking;2.keep;3.to build;4.drinking;5.won't catch; 练习一：完成句子 6.listening;7.falling;8.Admiring;9.Knowing;10.happens 1.Standing in the cold for a long time is not comfortable.;2.The guide recommended that we wear warm clothes.;3.You should try drinking hot tea to warm up.;4.They are not used to living in such low temperatures.5.The dogs bark loudly so that the 练习二：翻译句子 owner can hear them.;6.We must keep moving to stay warm.; 7.Can you tell me which activities you want to try?;8.Even though it was cold,he didn't give up.;9.It is important to be prepared for the winter.10.Whatever you see at the carnival will be exciting. 教材同步单元练习 一、阅读理解 Passage 1 In a world obsessed with materialism,the question of whether money can buy happiness has been debated for centuries.Recent studies in psychology and economics suggest that the relationship is far more complex than a simple yes or no.While a certain level of income is necessary for basic well- being,beyond that threshold,additional wealth does not guarantee increased happiness. Research indicates that the key lies not in how much you have,but in how you use it.Spending money on experiences-such as travel,concerts,or dining with friends-tends to bring more lasting satisfaction than purchasing material goods.Experiences create memories that improve over time,while objects often lose their appeal.Another factor is spending on others.Prosocial spending,or using money to help others,has been shown to boost happiness more than spending on oneself.A classic experiment by Dunn and colleagues found that participants who spent money on others reported higher levels of happiness than those who spent it on themselves. However,the pursuit of wealth at the expense of time can be detrimental.People who prioritize eamning more money over having free time often experience higher stress and lower life satisfaction.A 2016 study by Whillans and others revealed that individuals who valued time over money reported greater happiness,regardless of their income level.Moreover,the constant comparison with others on social media can fuel dissatisfaction.When people see others'luxurious lifestyles,they may feel inadequate, leading to a never-ending cycle of wanting more. So,does money buy happiness?Only if it's used wisely.Money itself is neutral;its value lies in how it is managed.As the old saying goes,"Money is a good servant,but a bad master." ()1.What does the research suggest about the relationship between money and happiness? A.More money always leads to greater happiness. B.Money has no effect on happiness once basic needs are met. C.Happiness depends entirely on how much money you have. D.The way money is used matters more than the amount. ()2.According to paragraph 2,which type of spending brings more lasting satisfaction? A.Buying expensive clothes. B.Donating to charity. C.Spending on experiences. D.Purchasing the latest gadgets. ()3.What did the 2016 study by Whillans and others find? A.People who value time are happier regardless of income. B.People who earn more money are always happier. C.Free time has no effect on life satisfaction. D.Stress is unrelated to money management. ()4.The underlined word "prosocial"in paragraph 2 most probably means. A.self-centered B.beneficial to others C.wasteful D.risky ()5.What is the author's attitude towards money? A.Money is the root of all evil. B.Money is a tool that should be used wisely. C.Money is the only measure of success D.Money should be avoided as much as possible Passage 2 In the late 19th century,a poor Scottish farmer named Fleming saved a drowning boy from a swamp. The boy's father,a wealthy nobleman,offered a reward,but Fleming refused.Instead,the nobleman offered to pay for Fleming's son's education.Years later,Fleming's son,Alexander Fleming, discovered penicillin,saving millions of lives.The boy Fleming rescued later grew up to become Sir Winston Churchill,who was saved by penicillin when he fell ill in 1943. This story,though often debated for its historical accuracy,illustrates a profound truth about the value of money and kindness.The nobleman spent his money not on luxury but on an investment in human potential.His generosity,combined with Fleming's humility,created a chain of events that changed history.The value of money,therefore,extends beyond its purchasing power,it can be a catalyst for positive change when used with foresight and compassion. Yet,in modern society,we often equate money with personal worth.The pursuit of wealth can blind us to the true values of life:relationships,health,and contribution to society.A 2018 study by the University of California found that people who defined success by material wealth had lower levels of well-being than those who defined it by personal growth and social connections. The Fleming-Churchill connection,whether myth or fact,reminds us that money,when used to serve others,multiplies its value.The nobleman could have kept his wealth,but he chose to invest in a child's future.That decision yielded rewards far greater than any financial return.In a world where the rich get richer and the poor struggle,stories like this encourage us to rethink our priorities.After all, the best use of money is not to accumulate it,but to use it to make a difference. ()1.What did the nobleman do after Fleming saved his son? A.He gave Fleming a large sum of money. B.He funded Fleming's son's education. C.He gave Fleming a job on his estate. D.He asked Fleming to work for him. ()2.What is the main lesson of the Fleming-Churchill story according to the author? A.Money can buy anything,including fame. B.Generosity can create unexpected long-term benefits. C.Rich people should always give away their wealth. D.Poor people are more likely to succeed than rich people. ()3.What does the 2018 study from the University of Califomia show? A.Material wealth is the best measure of success. B.People with more money are always happier. C.Defining success by wealth leads to lower well-being. D.Personal growth is less important than financial gain. ()4.The author's purpose in writing this passage is to. A.tell a historical story B.argue that money is useless C.encourage readers to use money wisely D.criticize the wealthy ()5.What can we infer from the last paragraph? A.The rich should give all their money away. B.Money's true value lies in its power to bring positive change. C.Accumulating wealth is the only way to succeed. D.Poor people are always more generous than the rich. 二、完形填空 阅读下面短文，从每题所给的A、B、C、D四个选项中选出最佳选项。 A famous billionaire once said,"Money is not the most important thing in life,but it is a close second to oxygen."This humorous(1) highlights a universal truth:we need money to survive,but we should not let it control us. When I was young,I worked in a small shop.My boss,an old man,taught me a(2) lesson about the value of money.One day,a poor woman came in with a handful of coins.She wanted to buy bread for her children but was(3) of a few cents.The boss smiled and said,"That's enough.Take the bread."After she left,I asked him why he didn't ask her to pay the full amount. He replied,"Sometimes,giving a little(4)is worth more than holding onto every cent." Years later,I remembered that incident when I faced a similar situation.A young man had(5) his wallet and couldn't pay for his groceries.Without (6),I covered the cost.He smiled with gratitude and said he would repay me.I told him to just "pay it forward"when he could.Two weeks later,he retumned,not with money,but with a (7) of homemade cookies and a note saying,"Thank you for restoring my faith in people." That experience(⑧) me that money can be a tool for spreading kindness.Its not about how much you have,but how you use it.The richest people aren't those with the most money,but those who (9) the most joy in giving.As the saying goes,"The best things in life are free."But sometimes,a small amount of money,used (10) ,can create priceless memories. We should not be slaves to money.Instead,we should be its (11) When we learn to manage money wisely,we unlock its true potential:the ability to help others,(12) expeniences,and live a meaningful life. 1.A.question B.remark C.mistake D.silence 2.A.boring B.painful C.valuable D.simple 3.A.afraid B.short C.full D.aware 4.A.advice B.time C.kindness D.effort 5.A.lost B.found C.stolen D.hidden 6.A.hesitation B.permission C.doubt D.reason 7.A.box B.bag C.bar D.piece 8.A.reminded B.wamned C.persuaded D.taught 9.A.miss B.find C.create D.lose 10.A.carelessly B.wisely C.secretly D.frequently 11.A.masters B.servants C.victims D.followers 12.A.avoid B.forget C.cherish D.ignore 三、阅读短文回答问题 Read the following passage and answer the questions in complete sentences. The concept of "money"has evolved dramatically throughout human history.In early societies, barter systems were common-people exchanged goods or services directly.However,this system was inefficient because it required a "double coincidence of wants."For example,a farmer who needed a new pair of shoes had to find a shoemaker who also wanted the farmer's grain. To solve this problem,people began using commodities as medium of exchange,such as shells,salt,or precious metals.These items were widely accepted and had intrinsic value.Eventually,coins made from gold and silver became standard.The first known coins were minted in Lydia(modern-day Turkey)around 600 BCE. Later,paper money emerged in China during the Tang Dynasty(618-907 AD)as a form of receipt for deposits.This solved the problem of canying heavy coins.In the 17th century,European banks started issuing banknotes,which were originally backed by gold (the gold standard).However,most countries abandoned the gold standard in the 20th century,leading to "fiat money"-currency that has value because the government declares it as legal tender,not because it is backed by a physical commodity. Today,digital money is transforming the landscape.Ciyptocuirencies like Bitcoin operate on blockchain technology,allowing peer-to-peer transactions without central banks.While convenient, they also raise concems about security and regulation.The value of money,whether physical or digital, ultimately depends on trust in the system that issues it.As the economist John Kenneth Galbraith once said,"Money is a matter of belief." 1.What was the main disadvantage of the barter system? 2.What did people in early societies use as a medium of exchange besides coins? 3.Where were the first known coins minted? 4.What backs the value of fiat money? 5.What determines the value of money ultimately? 四、短文填空 阅读下面短文，在空白处填入I个适当的单词或括号内单词的正确形式。 In today's consumer society,leamning to manage money is a crucial life skill.Many young people, however,fail to develop good financial habits,often 1. (lead)to debt and stress.A study by the National Endowment for Financial Education found that 2. (near)two-thirds of adults who receive an inheritance quickly spend it or lose it.This shows that without proper knowledge,even a large amount of money can become 3.(value). So,how can we cultivate financial intelligence?First,we need to understand the difference between "needs"and "wants."A need is something essential for survival,like food and shelter.A want, on the other hand,is something we desire but can live 4. For example,a new smartphone is a want,while a basic phone for communication is a need. Second,creating a 5.(budget)is essential.Track your income and expenses to see where your money goes.Many apps can help you do this 6. (easy).A simple rule is the 50/30/20 rule:spend 50%on needs,30%on wants,and save 20%.This 7. (approve)method ensures you live within your means. Third,start saving early.Even a small amount 8. (deposit)regularly can grow over time thanks to compound interest.For instance,saving just $50 a month from age 20 to 30 can yield more than saving $200 a month from age 30 to 60,because of the power of compounding. Finally,don't let money control your happiness.Remember that money is 9. tool,not an end in itself.Some of the most 10. (satisfy)experiences in life are free:spending time with family,enjoying nature,or helping others.As the writer Hemry David Thoreau said,"Wealth is the ability to fully experience life."By mastering money,we can free ourselves 11. financial worries and focus on what truly 12. (matter). 2. 3 4. 5 6. 7. 8 9. 10. 11 12. 五、写作 假设你是李华，你的英国笔友To来信询问你对“金钱的价值”的看法。请你给他写一封回 信，内容包括： 1.你对金钱的看法： 2.金钱在生活中扮演的角色： 3.如何正确对待金钱。 注意： 1.词数120-150； 2.可以适当增加细节，以使行文连贯： 3.开头和结尾已给出，不计入总词数。 Dear Tom, I'm glad to receive your letter.You asked me about my view on the value of money. Yours, Li Hua Passage 1:1.D 2.C 3.A 4.B 5.B 一、 阅读理解 Passage 2:6.B 7.B 8.C9.C 10.B 二、完形填空1.B;2.C:3.B;4.C:5.A;6.A;7.A;8.A;9.B;10.B;11.A;12.C 三、阅读短文l.It required a double coincidence of wants. 回答问题 2.Commodities like shells,salt,or precious metals. 3.In Lydia (modern-day Turkey). 4.The goverment's declaration as legal tender. 5.Trust in the system that issues it. 1.leading 2.nearly 3.worthless 4.without 5.budget 6.easily 7.approved 8. 四、短文填空 deposited 9.a 10.satisfying 11.from 12.matters 五、写作 范文： Dear Tom, I'm glad to receive your letter.You asked me about my view on the value of money.In my opinion, money is a useful tool,but it is not the most important thing in life.It can buy material comforts,but it cannot buy true happiness,health,or love. Money plays a necessary role in daily life.Without it,we can't meet basic needs like food,shelter,or education.However,when we chase money blindly,we may lose sight of more meaningful things, such as relationships and personal growth. To treat money correctly,we should first learn to manage it wisely-saving,budgeting,and spending responsibly.More importantly,we should not let money define our self-worth.Instead,we should use it to help others and enrich our experiences.After all,the best things in life are often free. What's your opinion?I'd love to hear from you. Yours, Li Hua