如果我赢了一百万美元，我就给非洲的饥饿的孩子们吃。

我会买飞机离开这里。

如果我赢了一百万美元，我会买一个小屋（小木屋）和住在树林里。

如果我赢了一百万美元，我就要环游世界了，剩下的我也会给慈善机构。

赢得一百万美元是一个美好的幻想。但对许多人来说，他们的幻想可以让他们陷入麻烦。罪犯被称为骗子，骗局（欺诈）的艺术家，或欺诈（诈骗），利用人们的梦想赢得大小姐。

我的爸爸告诉我妈妈，“不要这样做，因为你不知道他们会不会欺骗你！“

骗子试图欺骗玛利亚爱伦的母亲了数千美元。这些罪犯告诉玛丽亚爱伦的母亲，她已经赢得一百万美元的奖金的一部分。但是，他们说，因为她是不是美国公民，她是不允许索赔的。如果她给了他们数千美元，他们承诺将为她收集奖品。

15000美元，呃，在彩票五点（彩票）系德克萨斯。这就是他们告诉她。我的妈妈说：“好吧，我会在那个时候。”

在达拉斯乐透警察（乐透彩票）声称办公室说，数十人被骗走了钱在这最后的欺诈。诈骗是一种常见的犯罪。希望赢得万，人穷时，离子和失去他们的钱。但真正赢得数百万的人也能做出糟糕的决定。鲍勃肯尼组织称超过金钱的作用。比金钱更能帮助人们进入大钱的数额决定如何管理他们的意外财富。

对我来说真正重要的是什么。我的家人。我家的健康。我的家庭教育。长期照顾我的家庭。这些对我来说很重要。这是我要去的东西用我的钱去世界上。

艾伯特Miller和多萝西亚当斯谁赢得了高达4000万美元（庞大的）有很多的选择，要如何度过他们的新财富。

——我终于买得起一些健康保险了，… --你没有在这之前。

我没有，我每天都在我的成年生活中工作。

-这是一个伟大的决定，购买健康保险。他知道他的健康对他很重要。他的家人的健康对他很重要。他知道他的家庭对他很重要。他知道他很重要他的家人。所以这很容易决定。我有钱。我需要健康保险。我要买它。

现在，艾伯特可以买任何他想要的东西。他买了一辆普通的车，一个顶级的线无限。

-这是低调……这是我的低调。

他的另一个新的不。这是一个特别版劳斯莱斯。在世界上有不到2打的这样的。用干邑的吧，一一二缸发动机（气缸），和一个平稳。

--如果你飞的话，你就不会开一个面包卷。所以，你知道，你只是飞。

他决定买一辆车，这是他每天都能用的。然后他决定买一辆车，他知道这是不实际的，这是一个幻想的他。这是一点，在有些方式，他总是想要。他试图做出一些决定是一件非常正常的事情，但他却有点乐趣。

--上次我们谈话时，你说的是钻石。发生了什么事？

——嗯，我得到了钻石！在所有大的十一克拉。

--我认为这是一个非常甜蜜的事情。他有他的幻想，她有她的，有钻石是她一直想要的东西。

几周后的大胜利，这对情侣关上了他们的餐厅，称为宾利的。现在他们有更多的时间去旅行，高尔夫，并打在船上艾伯特刚刚买。还有，很多的相同。他们住在同一个房子里，在同一个地方，他们都长大了。

——我们试着把每一件事情和以前一样。你知道，我们试着不让钱改变我们。

-我们的文化需要我们相信如果我们不快乐，如果我们有更多的钱，我们会幸福。研究表明，这是不真实的。你仍然有时早上醒来会有头痛你会偶尔醒来，有时心情不好。有时你还会和你的朋友打架。它不会让所有的更好。有更多的钱不一定会提高你的素质我们的关系或幸福，你实际上已经在你的生活。什么钱可以让我们做出更多的选择。做出明智的选择是什么使我们快乐。

尽管每个人的梦想都实现了，但艾伯特仍然认为钱。

--钱的压力不在那里，但其他压力的钱来了，所以，你知道，我的意思是，你从来没有完全免费的东西担心。

艾伯特是个非常聪明的人。他明白钱将为他创造一系列的问题。

-我仍然认为我们中的大部分人都会在艾伯特的任何一天中交易我们的钱的问题。

我认为我们中的大多数人都认为如果我们有更多的钱，我们的生活会得到解决的问题。但我的建议是，不一定是这样的-钱提供了更多的选择，但它不给我们幸福（极快乐的）回答。

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…

主持人:我今天是塔拉黑色的作者,历史的钱。泰拉,我们没钱,我们交流的东西,不是吗? 塔拉:是的,没错。在石器时代,人们交换诸如盐或牲畜。当然问题是那些你交换不会长久。介绍了,因此金钱作为一个更持久的付费方式的东西。当然,钱也很容易使用。你可以把它围在你周围的人很容易。

推荐者:什么时候开始发生变化,从交换货物支付事情与钱吗? 塔拉:嗯,早在公元前5000年,人们在中国和中东交换货物是金属。

推荐者:早吗?

塔拉:是的。第一个银锭(金银铸块,锭)… 推荐者:银条吗?

塔拉:是的,他们出现在公元前2200年的欧洲,用作货币。硬币然后出现在莉迪亚公元前700年左右。

推荐者:莉迪亚?

塔拉:莉迪亚是一个国家在现在称为火鸡。那么其他国家跟着他们的例子并开始生产。希腊的一个硬币,drachma(德拉克马、希腊原货币单位成为了标准形式的货币在大部分亚洲和欧洲。 推荐者:好,第一张纸币吗?

塔拉:纸币首次使用在中国是公元960年。 推荐者:它总是中国,不是吗? 塔拉:通常,是的。

推荐者:作为持久方便,一个很大的优势的硬币和纸币是他们有一个标准的价值。

塔拉:是的,他们是被称为代表金钱。每枚硬币或纸具有一定的价值,不依赖于实际价值的文章或金属。

推荐者:银行是如何开始?

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