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标题: 【每日阅读训练第四期——速度越障20系列】【20-02】经管-Bank [打印本页]
作者: 风随心动01 时间: 2013-6-5 20:24
标题: 【每日阅读训练第四期——速度越障20系列】【20-02】经管-Bank
大家好，周三经管来了~
今天的Time1、2、3是一篇，Time 4、5是一篇~
Part I：Speed
Article 1
What is a Bank?
【Time 1】
While the question may seem elementary, the answer can be quite complex. Understanding what banking is all about will help you make better financial decisions.
A bank is a financial institution where you can deposit your money. Banks provide a system for easily transferring money from one person or business to another. Using banks and the many services they offer saves us an incredible amount of time, and ensures that our funds "pass hands" in a legal and structured manner. There are also other types of financial institutions that operate just like banks. We'll cover these later.
Why Do You Need a Bank Account?
With all the changes taking place in the banking marketplace today, you might ask yourself：Do I really need a bank? Why can't I just find a way to avoid all these fees? What types of accounts are available to me? It can be mind-boggling. There are many reasons why a banking relationship is vital:
• When you deposit money in a bank, you have the comfort of knowing your money is in a safe, insured place. Deposits in most banks are insured by the Federal Deposit Insurance Corporation (FDIC). This means your money is protected up to $100,000 per depositor. You can also think of it as "out of sight, out of mind." If you don't have a daily visualization of your cash at hand, you'll probably be less tempted to spend it frivolously.
（238）
【Time 2】
• Most people and businesses, including your employer, need to have a paper trail to document transactions. Checks are a perfect way to keep a permanent record of business activities, even when they are personal. Even if you bank online, there is a well-documented trail of all your transactions.
• Using a personal checking account can save you time and money. Imagine how much lost time, travel expense, inconvenience, and potential aggravation you could incur every month if you had to buy money orders or, worse yet, visit all your creditors in person. The ability to simply write a check and drop it in the mail is invaluable.
For example, every time you need cash to pay a bill, you simply write a check to your creditor. Your creditor deposits your check in their bank. Your creditor's bank processes your check through the Federal Reserve Banking System (The Federal Reserve Banking System operates as the U.S. Central bank and, among other activities, provides banking services to financial institutions and the U.S. government), and the money is pulled from your checking account. Result for very little effort on your part, your creditor gets paid.
• The same principles apply to savings accounts. Establishing a savings account keeps your money safe while allowing easy access to it. Plus, you get the benefit of earning some interest on your balance and putting your money to work for you.
（231）
【Time 3】
How Banks Operate？
In addition to providing a safe place for your money, banks also loan money to businesses and consumers. A large portion of a bank's business is lending. How do banks get the money they loan? The money comes from depositors like you. Banks use these deposits to make loans. Every fee you pay to your bank enables them to reinvest in themselves, giving them more money to loan to you, for another fee, of course.
Banks are in business to make a profit. Their profit generally comes from the difference in interest paid to depositors and the interest earned on loans. Making loans helps banks make money, and offering checking accounts is a way to attract deposits, which banks turn into profitable loans.
Banks cannot legally loan all of their deposited money all at once. The Federal Reserve Board, which is part of the Federal Reserve System, requires that banks must keep a certain percentage of their deposits in reserve at all times, assuring you, the customer, can withdraw your money when you need to. The remaining funds, which are not subject to reserve, are used to make consumer loans. For more information about the Federal Reserve Board, visit www.federalreserve.gov.
Other Services Offered by Banks
• Credit Cards
• Personal Loans
• Home and Car Loans
• Mutual Funds
• Business Loans
• Safe Deposit Boxes
• Debit Cards
• Trust Services
• Signature Guarantees
and many other investment services.
（234）
【The rest】
Other "Banking" Organizations
You can obtain the services offered by traditional banks from other financial institutions as well. Savings and Loans or Thrifts, as well as Credit Unions, offer banking services that may fit your needs. The primary difference between various financial institutions is in the charters under which they operate and the regulatory body that oversees them. See the State of Wisconsin's explanation of the differences between banks, credit unions, and savings institutions. Generally, you can obtain the same or similar services from these institutions.
Today you can bank by phone, use Automated Teller Machines (ATM's) or log onto your bank's Internet site to handle most of your transactions in a secured environment, conveniently and safely. There are hundreds of banks, thrifts, and credit unions from which you can choose. As a result, there is increased competition for your business. This can be translated into great news for you! You have a wide array of products and institutions to choose from and can expect better fees for better services.
(169)
Source：
http://www.careonecredit.com/knowledge/what-is-a-bank.aspx
Article 2： Check the title later
As Goes the Economy, So Go the Bank Stocks: Bove
【Time 4】
Ask investors if they think the stock market is overdue for a correction or worse, and you'll likely find a sizable sampling that think it's not only possible, but likely. Ask those same investors if they think we are going to slip back into recession again and you're apt to hear the proverbial crickets.
Even the most pessimistic of pessimists have come to admit that the economy has some traction and, at the very least, appears to have stabilized.
For Dick Bove, head of financial sector research at Rafferty Capital Markets, the question of whether or not to buy into banks now is as simple as making an up or down call on the economy.
"If the economy does well, they'll do well. If the economy does poorly, they do horribly," the veteran analyst says in the attached video.
And since he thinks the economy will continue to do well for the next couple years, it only makes sense that the banks will track that ascent.
"As a result, my belief is that bank earnings will continue to rise, bank book values will go up, and bank stocks will continue to go higher," he says.
For the record, the Financial Sector SPDR (XLF) and the KBW Bank Index (^BKX) are almost a 2:1 outperformance over the S & P 500 for past year, rising 47% and 28% respectively.
（226）
【Time 5】
And while many traders have been consumed with the timing and impact of if and when the Fed starts scaling back its support, Bove's research suggests otherwise.
"What I discovered is essentially that the Fed has put so much money into the financial system, that there's $1.7 trillion right now of net free reserves at the Federal Reserve," he says, meaning there's $1.7 trillion that has yet to be spent by the banks. "The Fed can taper all it wants, there's still a staggering amount of money that needs to come into the economy from the banking system, so I don't think the tapering will mean anything."
When asked about rising rate risk he has similar disdain and confidence in his picks.
"It's hard for people to understand, but the higher interest rates go, the more houses you sell," he explains, adding that the same is true for cars and loans in general.
"When interest rates are going up, it's because employment is going up and the economy is going up and people are buying more things," he declares, adding that any modest rise in interest rates is unlikely to slow down the economy.
It's not like this is a new development since Bove points out that bank earnings have been growing for 14 consecutive quarters.
"Banks are getting profits from everywhere. Bad loans are going down. They are lending more money in the commercial sector. They are seeing the cost of running the business go down."
In short, he says the bank story still has a long way to go.
（261）
Source: Finance.yahoo
http://finance.yahoo.com/blogs/breakout/goes-economy-goes-bank-stocks-bove-123820257.html?vp=1
插播一则广告：
细心的同学也许已经发现了，今天的速度文章都围绕着一个关键词“Bank”。这是我的新尝试：每期所有速度文章都围绕一个Key Word。希望能在帮助大家提高阅读能力的同时，也多少能对一些经管类名词有初步了解。如果同学们有非常感兴趣的经管类"Key Words"，不要吝啬，通通提供给我哦。我会尽我最大的努力去找一些相关的适合做速度训练的文章回报大家~OVER~
Part II: Obstacle
Artical 3:Check the title later
How to Fix the Post Office: Keep the ‘Last Mile,’Outsource the Rest
A proposal to create a “hybrid” United States Postal Service would keep postal workers on their routes while allowing private companies to compete for mail collection, transportation, and processing. Now all it needs is a divided Congress and a reluctant postmaster general to sign off on it.
A new study released today by a non-partisan Washington think tank recommends a radical departure for the struggling United States Postal Service: a public-private partnership that would open up much of the service’s back-end logistics to outside competition.
The idea to partly privatize the Postal Service has been floating around for at least a decade, and it’s been the subject of other recent studies too, including a white paper written in part by former postal employees and released by the National Academy of Public Administration; and an analysis of that paperfunded by Pitney Bowes, a shipping and packaging company that would almost certainly benefit from the post office’s privatization.
But the study released today by The Information Technology & Innovation Foundation adds a bit more to the discussion.
This public-private hybrid proposal centers around private companies competing to accept, transport, and process much of America’s first-class mail. The USPS’s mail carriers would keep their “letterbox monopoly” on existing delivery routes, and the Postal Service would determine a national average for delivery costs that it would charge those private carriers.
The author of the paper, ITIF President Robert Atkinson, likens it to the break-up of AT&T in the 1980s, which allowed competition among long-distance carriers for the first time. “If you want to go to a post office in the future, you might go to CVS or a Safeway or your local bank branch,” says Atkinson. “And then they might contract with FedEx to move that mail, which would all end up at a local USPS processing facility.” From there, mail would essentially be delivered like it has been since the development of the postal service two centuries ago — but, in Atkinson’s view, at much lower costs.
That would mean a dramatically different, and smaller, USPS. Atkinson estimates that 40% of the more than 500,000 workforce would lose their jobs and possibly half of the more than 30,000 post offices would close. But he argues that some of those jobs would be made up by private carriers performing work previously done by USPS.
In theory, opening up the USPS’s services to competition would allow it to operate much more efficiently, and save costs. In its second quarter, which ended March 31, USPS lost $1.9 billion, an improvement over the same period in 2012, when it lost $3.2 billion, largely due to a reduction in operating hours and a consolidation of mail-processing facilities. Still, the Postal Service is losing $25 million a day.
“If it was a private company, it would’ve filed Chapter 11 by now,” says Atkinson.
Atkinson’s study cites numbers from the Government Accountability Office showing that contract postal units, which operate out of a primary business like a supermarket but offer many of the same products and services as an official post office, are much more cost-efficient. According to the GAO, the USPS incurred $0.17 in costs for each dollar of revenue at CPUs compared to $0.51 at post offices.
Most other recommendations for fixing the USPS’s financial problems are much less radical; many include finding new sources of revenue like shipping beer and wine, closing facilities, or continuing to pare down its workforce. On the other end of the spectrum is complete privatization, which would fully get rid of the Postal Service we know today. A hybrid public-private partnership is somewhere in the middle and is probably the most interesting proposal being discussed.
But the hybrid recommendations don’t address a fundamental issue with Post Office finances: the multi-billion-dollar Congressionally mandated payments to pre-retiree health benefits that the Postal Service is required to make each year. Proponents of partially privatizing the USPS argue that while eliminating that requirement would certainly help in the short-term, the trend lines show continued future dips in mail volume and increased use of digital communication among Americans that will eventually have to be addressed by more structural changes.
The biggest problem, however, may getting any serious reforms approved by Congress, which shows no real signs that it wants to fundamentally alter the way the Post Office operates. Postmaster General Patrick Donahoe, meanwhile, seems more inclined to continue paring back services and finding new revenue streams. In the end, a hybrid proposal may just be another interesting idea that won’t get traction. But, eventually, something will have to be done to right the Post Office’s ship.
“The reality is, this is a bit of a build it and they will come proposal,” says Atkinson. “And it may be that the USPS is as efficient as you can get. But I don’t think that’s the case. If it is, then we haven’t lost anything. USPS would get all the business. But I think the urgency will increase over time to do something. Eventually people are going to say, we have to do something really serious here. And the reality will sink in that you have to take more serious structural positions.”
(862)
Source: Time
http://business.time.com/2013/06/03/how-to-fix-the-post-office-keep-the-last-mile-outsource-the-rest/
P.S.
我挂个12系的名字都能被抢沙发，占座党们，你们太！强！大！了！
作者: 铁板大黄鸭 时间: 2013-6-5 20:53
抢沙发～～
作者: irvan 时间: 2013-6-5 20:54
哎？12系？
___________________________________________________________
Speed
01:08
01:05
00:54
00:57
01:20
Obstacle
04:57
作者: kimwang53 时间: 2013-6-5 21:01
算了。来抢了~~
1.34
describe what a bank is all about and it is safe to deposit your money in bank
1.32
save your time
1.21
the bank are also loan money from savers to the business and
54
1.59
7.10
作者: 铁板神豆 时间: 2013-6-5 21:54
1 - 01:06
2 - 01:16
3 - 01:03
4 - 01:15
5 - 01:31
Article 1的内容比较熟悉，读起来好开心~~~苍茫的经管是我的爱~~~~
哈哈哈越障读过了！耶！
作者: 铁板神菜01 时间: 2013-6-5 21:55
我来洗白菜了，嘤嘤嘤~
作者: 铁板二米 时间: 2013-6-5 22:13
占位，谢谢心动姑凉〜
交作业咯~
Time1 1'02"
Time2 1'01"
Time3 54" + 40"
Time4 58"
Time5 1'09"
Obstacle 4'25"
作者: ldeath 时间: 2013-6-5 22:19
0:52
0:56
0:46
1:00
0:55
4:57
作者: 铁板神猫 时间: 2013-6-5 22:43
铁板宠物，铁板萌物。猫猫来啦～～
20-02
Obstacle:
MI: how to fix the US Post Service (USPS)?
Structure:
1. a radical departure for the struggling USPS: to have a public-private partnership
2. This public-private hybrid centers around private companies competing to accept, transport, and process much of US's first-class mail.
3. It means a dramatically different and smaller USPS.
4. In theory, this hybrid would open USPS' service to competition, allowing it to operate much more efficiently and save cost.
5. However, the hybrid recommendations haven't address a fundamental issue with PO finances.
6. The biggest problem is to getting any serious reforms approved by Congress.
作者: yangzexin 时间: 2013-6-5 22:46
占座占座
0'58"
1'14"
1'12"
1'11"
1'25"
5'10"
作者: 铁板神猴 时间: 2013-6-5 22:57
555 weeping on the 2nd page...
----------------------------------------------------------------
1'00''
1'08''
1'08''
1'00''
1'04''
1'15''
1'18''
4'09''
作者: 铁板二米 时间: 2013-6-5 23:15
ldeath 发表于 2013-6-5 22:19 
0:52
0:56
0:46
我是来仰望这个速度的，赞！
作者: Minguan2012 时间: 2013-6-5 23:22
谢谢啦。。。。。。
作者: 枣糕兔 时间: 2013-6-5 23:30
占。座。
作者: yyjfantasy 时间: 2013-6-5 23:40
占座~~~~~~~
速度：
1.1'03''
2.1'06''
3.1'12''
4.55''
5.1'14''
越障：4'32''
a new study shows that a public-private organization can face the outside competition better. But it still needs some discussion and improvement. RA discribes a new way to post letters. There are some strategies to solve the fundamental issue.
作者: lytymay 时间: 2013-6-6 00:40
默默的做作业 好慢好慢
T1 1:36
what is banking
虽然问题很基本，但答案很复杂。bank提供服务，让个人或公司把钱转出，或存钱。现在也有一些机构有这样的功能，一会儿在说
我们需不需要bank
把钱放在bank里 让人觉得安心 out of sight out of mind
T2 1:27
很多人需要document来记录交易，公司或者个人都是
付钱非常便捷 例子 每次付钱要拜访各个客户
存钱很安全 而且有利息可以赚
T3 1:35
how banks operate
银行是通过贷款赚钱滴
存钱到银行，银行再把这些钱借出去
银行赚的是贷款利息和存款利息的差价
但是银行不能一次性把你账户里的钱都借出去，他一定要保证你够用，有个机构监管，有个比率。。。
其他的服务。。。
T4 2:03
股票市场是不是overdue？probably and likely
经济是不是又会倒退？巴拉拉
虽然经济形势不好 但不得不承认已经趋于稳定
说到bank 说 经济好他就好
然后有个人，说 他认为 经济会好 银行会好 股票会高。。。
T5 2:08
人们很难理解 rate高是因为 就业率高 收入高 消费水平高
rate越高 卖的东西越多
bank一直在挣钱 到处挣钱 long way to go
作者: spencerX 时间: 2013-6-6 06:35
谢谢分享~~这么快就第二页了O O?
感觉速度全是一个专题很棒。不过我觉得第一篇文章稍微简单了一点。
0:01:02
0:01:16
0:01:04
0:00:54
0:01:13
0:01:31
0:05:05
作者: cherryyyy 时间: 2013-6-6 07:50
1-1:15
A bank is a financial institution and why do we need a bank
2-1:30
checks are a perfect way to keep a permanent record of business activity.
Using a personal checking account can save time and money.
Establishing a saving account keeps money safe.
3-1:17
Banks loan money to customers.
Banks make profits by charging interest.
Banks can not loan all money at once
Other services of banks.
the rest
You can obtain similar services in different institution. Differences between these institution is the charters under which they operate.
There are many ways to obtain bank services.
4-1:23
Most people hold pessimistic attitudes that economy will slip back into recession again and Dick Bove holds positive opinion.
5-1:38
Bove ‘s opinions about the time and impacts that Fed starts scaling back money and about the impacts of rising rate risks.
Obstacle
A proposal to create a “hybrid”United states postal service will keep shipping and packaging company beneficial.
负评价：ITIF
1.This public-private hybrid proposal centers around private companies competing to accept, transport, and process much of America’s first-class mail.
2.mail would essentially be delivered like it has been since the development of the postal service two centuries ago
正评价：A
1.lower cost
2.More efficient
Other recommendations
Main problem:
Congress don’t want to fundamentally alter the way Post office operates.
作者: daisydoris 时间: 2013-6-6 08:02
time 1 (232) 1'26
Researchers and students carried out a march to raise public awareness of the feasibility of using animals in the lab.
time 2 (264) 1'19
Researchers should open their labs to public and spread information.
time 3 (347) 2'19
The US regulation on women's eggs has forced the development of stem cells.
time 4 (349) 2'07
However, some scientists contends that there is not neccessary to use women's eggs and using eggs of mice will also attain same achievement.
time 5 3'38
obstable 5'01
作者: jay871750293 时间: 2013-6-6 08:21
谢谢心动~~~
1-1'36
2-1'37
3-1'36
The definition, function, sort of services of the banks.
4-1'34
5-1'50
How can we tell the working condition of banks from some other obvious and conspicuous signs.
感觉这篇没怎么懂啊...
6-5'37
The passage mainly discusses that the US postal service industry is under a animated and fierce row and controversy concerning the transition from a nation-owned system to a hybrid system made up by both private part and national part.
Then, author mentions the current dismay and gloom of the US postal service industry. Concretely speaking, the average revenues loss per day is to a really steep and considerable extent in the postal industry. In addition, the author presents the possible solution and remedy to that trouble and proceeds with the specific and definite analysis and evaluation of the solution mentioned above. Plus, some other less practical and realistic methods, including the decline and decrease of the working force and the extremely privatized, are mentioned but not bolstered and buttressed by the author.
Finally, the vital block and hindrance concerning the way out of that trouble are the permission and consent of the Congress. Because that solution has been discussed and talked nation-wide for practically and virtually a decade without carrying into effect, it's really daunting and formidable to get through the Congress.
作者: 铁板神菜01 时间: 2013-6-6 08:40
jay871750293 发表于 2013-6-6 08:21
已经早期来占座了，结果还是只有第二页了...
是第三页
作者: IrisZZZ 时间: 2013-6-6 09:27
Time1 – 1’34’
What the bank is all about; deposit in the bank is safe
Time2 – 1’24’
Checking account saves your time and money
Time3 – 1’21’
Bank’s profits come from the difference in interests
Time4 – 1’45’
DB thinks economy has some traction and will continue to go up
Time5 – 1’25’
Obstacle – 6’52’
A proposal to make the USPS a hybrid, allowing private companies to compete for mailing service
How it can be done
The cost of USPS is too high to maintain the revenue
Other solutions
The challenge is there is no signs that the Congress will approve it
3,4,5请假啦~考托福
作者: IrisZZZ 时间: 2013-6-6 09:29
错了错了。。是周四周五周六
作者: claire1827 时间: 2013-6-6 09:39
1.35 definition of bank and it plays vital role reason 1 safe and save
1.40 reasons, record transaction, save other expenses, time and effort, gain interest
1.38
1.42
1.49
obstacle 6.16
作者: ldeath 时间: 2013-6-6 10:25
铁板二米 发表于 2013-6-5 23:15
我是来仰望这个速度的，赞！
因为银行的太熟悉了……
作者: amberfuu 时间: 2013-6-6 10:37
1‘08’‘ Bank keeps your money safe. You can have different kinds of accounts in banks
1'08'' through the bank transaction, you can transfer your money safely and easily to creditors. All the transactions will be recorded through paper documents.
1'06'' Banks make profits through lending money to others.
1'25'' Will the bank keep doing well in the next couple of years? It depends on how the economy does.
1'29'' The interest rate affects the economy and the banks' profits.
Obstacle
5'27 = =
USPS is going to reform-- to a public-private hybrid company.
The privatization will reduced a lot of job positions, and the service will become as convenient as now.
Some suggests that the USPS should extend their service to make more revenues.
But it is really hard for it to compete with the private companies.
这个key word system特别好！下次想了解一下investment banking和veture investment!谢谢！
作者: 心愿湖畔 时间: 2013-6-6 11:01
1：12
1：16
1：21
1:15
1：11
关键词的形式很好！推荐几个：女权主义，自由贸易，信息化
06:48 对邮政管理局几种不同的提高效率的方案的探讨，重点在部分私有化，开放某些环节给私有公司
作者: kingarthur00 时间: 2013-6-6 11:45
1'31
The author explains what is bank and then benefit of owning one bank account
1'17
The benefit for owning bank account: keeping transaction record, saving time and being convinience, and acquiring interest.
1'14
How does bank operate: attracting the deposit from the customer, making loan to the businessman, and saving a certain percent to be available for customer to withdraw basing on the requirement of Federal Reserve System.
1'21
The investors predict the stock market will be track back.
1'26
The bank business will be good. The increase interest rate will be up employment, and better ecomomy.
5'50
The author describes the hybrid between Private business and USPS will be likely to make the USPS work more effectively. Although the hybrid will make lots of unemployment, those employees would be hired by the private corporations and the cost of the USPS will be less. But there are two issues need to confront. First, how to solve the huge amount of pre-retirees social benefit? Second, the Congress try to find the new spectrum to make revenues for USPS, rather than the hybrid.
作者: jay871750293 时间: 2013-6-6 12:06
铁板神菜01 发表于 2013-6-6 08:40
是第三页
诶，这人品差的...
作者: zxppx 时间: 2013-6-6 13:04
谢谢风！我提供一个关键词：mutual fund
1.1-21
Bank is a place where we can put our money, and we really need a bank. There are some reasons why we need a bank. For example, we put our money in the bank safely, and we do not need to check our cash every day.
2.1-24
There are still other reasons. For instance, business needs checks to do transaction. Or we can save a lot of time when we use the checks. What's more, we can get interests from the bank, thus making us beneficial.
3.1-25
Apart from the benefits that banks offer to you, banks have another important function: lending money to customers and companies. Banks collect money from depositors and then lend a part of the money to others. The law demand that banks save some money for depositors can get their money at any time. There are still others types of service that banks provide to people.
4.1-20
When people are asked about their attitudes toward stock markets, many of them seem to be uncertain. Some experts tell that if the economy is good, the market is good, too. A verteran specialist points out that the economy will be ok in the future, thus enhancing the confidence.
5.1-22
Although people are not very clear about the negative of economy booming, most think we can benefit from the rise in economy. For example, more people can get jobs, and people will buy more things. However, someone thinks that we still need to learn more in the future.
6.5-30
The hybird recommendation, which combines the USPS and private companies to offer delivering service to customers, is highly talked about. As we know, competition will do harm to USPS. For example, many workers will lose their jobs. However, such competition can reduce costs and improve efficiency, thus benefiting the society. On the other hand, there are others methods to solve the problem, such as the completely private companies. The hybird recommendation seems to be in the middle and the most interesting. Some people believe that USPS actually exists some problems and should be solved.
作者: 饼干小熊 时间: 2013-6-6 13:35
T1~3 3'06从三方面具体解释什么是银行
57‘ 对股票积极额看法？
57’ 对银行消极的看法？
3‘30 A hybrid public-private partnership in UPS?
作者: kingarthur00 时间: 2013-6-6 14:05
Key words- Global Integrated Enterpise, cloud computing, big data
作者: 康康猪 时间: 2013-6-6 15:52
the first time to paticipate in
Speed
1. 01:20
2. 01:10
3. 01:00
4. 01:00
5. 01:07
Obstacle
第一次越障，脑子一团浆糊，真是抱歉。
it seems talking about the privatization of post/delivery system.
I need one more time to read, sorry
作者: luckylucy13 时间: 2013-6-6 16:53
01:04
01:13
00:57
01:00
01:40
05:50
-----------------key word的想法挺有趣的~ 建议“marketing” 可以列入list。 ~~
作者: 君君爱TS 时间: 2013-6-6 16:56
掌管 7 00:05:12.46 00:12:20.31
掌管 6 00:01:17.85 00:07:07.84
掌管 5 00:01:17.16 00:05:49.99
掌管 4 00:00:54.28 00:04:32.82
掌管 3 00:01:24.78 00:03:38.53
掌管 2 00:01:11.79 00:02:13.75
掌管 1 00:01:01.95 00:01:01.95
谢谢楼主精选的文章！
作者: 美国的走起 时间: 2013-6-6 18:58
Ti 1.27
T2.1.18
T3 1.23
T4. 1.26
T5.1.35
T66.11 美国要有实行一个post service compete to private company, 实行这种措施出现的状况 面临的问题 啥啥的，就记住这么多了！
作者: JungHa 时间: 2013-6-6 19:35
(0:59) Intro of the concept of bank and the need to open a bank account
(0:58) Further explain 3 benefits of having a bank account
(1:00) How does a bank operate and other services provided by bank
(1:00) Investor shares the consensus that the economy has stabilized
(1:13) banks are in good position to earn revenue and rising interest rates doesn’t indicate the growth of the economy is slowing down
(4:43) Introduction of the main issue for discussion – privatization of post office
Impacts of privatization are discussed (benefit and disadvantages)
Other recommendations to improve the operation of post office
Fundamental problems that cannot be sold through privatization
作者: qiuhao871227 时间: 2013-6-6 19:37
Time1
1'21''
Time2
1'13''
Time3
1'26''
Time4
1'17''
Time5
2'10''
Obstacle
7'16''
The public-private hybrid proposal has been floating around for at least a decade.
But the study released by Atkinson adds a bit more to the discussion.
Opening up the USP's service to competition would allow it to operate much more effciently and save costs.But the recommendations don't adress a fundamental issue woth Post Office finances and Congress doesn't want to alter the way the Post Ofice operates.
作者: mermaid2891 时间: 2013-6-6 20:00
主题的创意不错！
1.14
1.16
1.07
1.26
1.36
6.12
作者: adamzjw 时间: 2013-6-6 21:01
1:45
2:00
1:58
2:10
2:14
6:54
作者: 肥胖的小马 时间: 2013-6-6 21:27
1:20; 1:05; 2:02; 1:45; 6:17
1.银行是什么，我们可以干什么（我们可以存钱，会很安全，也省事，check也会很方便），他可以进行这些操作而不侵犯我们的利益是因为有监管，他要有利益，利益很大一部分来源于借贷，但是他不能全被借走，必须有一定数额，我们需要的时候就可以用，利益就来自interest paid and earned，现在可以手机银行，网上银行，也可以atm都行。也有其他的不同的机构可以供我们选择， 因为有竞争我们会有更好的选择，
2.economy跟bank成正比吧，一起升一起降，但是B这个人貌似不这么认为，说银行还有很长的路要走，应该是态度不太乐观吧，不是很懂，一会再看一遍。。。
3.邮政公私混合模式，会使员工失业，也会使一些工厂关闭，但是会有新的私人的邮政创造工作，两方面吧，有认为radical的也有态度支持的。
P1:a proposal. And all it needs is a divided congress and a reluctant postmaster general to sign off on it.(作者不太同意？)
P2:a radical departure for the struggling usps.
P3:privatize has been floating for long. A shipping and packaging company that would almost certainly benefit .
P4:what they do after the pri?
P5:A thought mail like two centuries at lower costs.
P6:influence.
P7:the influence on the usps. And the current situation of usps.
P8:recommendation for fixing the usps financial .
P9:But the recommendations don’t address a fundamental issue with Post Office finance.
P10:the congress decide the proposal.
作者: haohao8701 时间: 2013-6-6 21:58
铁板大黄鸭 发表于 2013-6-5 20:53
抢沙发～～
好霸气的鸭子
作者: Elfy 时间: 2013-6-6 22:32
Speed
1:22 Understanding what bank is is important for financial decision making. 1 reason why bank is vital (it is safe).
1:25 3 more reasons why bank is vital (easy bank trail, convenience for paying credit & saving money while earning interest).
1:30 How banks operate (they make money mainly through lending and borrowing).
1:28 The question of whether we should invest in bank seems to depends on how good the economy is.
1:51 Banks seem to make profits given the large amonts they currently have, and the high interest rate risk isn't really a concern.
Obstacle
5:30 Benefits and some concerns of public-private post service.
作者: 香葱哒表亲洋葱 时间: 2013-6-6 22:46
第一次做~感觉不太好。。。速度由于是银行类专题比较熟悉所以速度还不错，几乎全控制在1分钟以内，但障碍就一塌糊涂了= =而且还会走神。。。看来长路漫漫啊~~
作者: yslk02 时间: 2013-6-6 23:27
1、00:02:08.99
2、00:01:32.00
3、00:01:29.77
4、00:02:44.87
5、00:02:44.20
越障有待提高哇~
作者: qingya 时间: 2013-6-6 23:40
【Time 1】00:01:42.86
Bank and back account.
【Time 2】00:01:39.37
Deposit business
【Time 3】00:01:27.27
Bank operation
【The rest】00:01:28.67
Other banking organizations
【Time 4】00:02:08.14
Economy has some traction, and banks will track that.
【Time 5】00:02:01.16
Fed reaction and relatively elements
Part II: Obstacle 00:07:09.88
The proposal through hybrid postal service has advantages and obstacles.
作者: gyb192483 时间: 2013-6-7 01:03
TIME1:01'06'' What is bank. Bank is a financial orgization which helps people handle the financial issue. why should we put money into bank. Becasue bank can help us to secure the money and people is not willing to spend money if the money is not around
TIME2: 01'09'' Bank can enable people easily and quickly to complete the transaction
TIME3: 01'09'' How does the bank operate. Bank earns its profit by loaning and charging depoist interest. By depositing, the bank collect money from the depositor. And the loan the money to the people who needs it so that the bank can get profit. But there is limit for the bank to obey when they lend money so that the bank can make sure the customer can withdrew the money any time
TIME4: 01'17'' The optimists are negative to the economy in the next several years. since the bank is related with the economy closely, people is not optimitic to bank too. But somebody predicts that bank will experience prosperity in the next years. So that the stock and anyting related to bank will boosts in the next several years
TIME5: 01'44'' Bove reserach shows that the government spent a lot on bank and bank still have money to use. The interest increasing means that people have more buying capacity and the economy is developing well. Bank still has long story to tell
Obstacle:05'52''
Main Idea: the post service privacy
Attitude: active
Structure:
==>post service privacy has been disscussed for long time. And this time it is mentioned again
==>post serivice privacy will not make employment because the people who lose job from communal post serivice can get job from private post serivice
==> post serivice privacy can enhance the efficiency. The statistic shows that privacy is more efficient than communal
==> but somebody opposite it citing that all people will go to the privacy post service if it is better than the comunal one
==> the biggest problem to get the post service privacy is the congress. it seems that the congress will not approve this propose
作者: gyb192483 时间: 2013-6-7 01:08
心动同学太贴心了！赞一个！
我觉得可以风险投资啊，PE啊，咨询的啥的。跟MBA沾边的
作者: 墩墩大人 时间: 2013-6-7 07:10
墩墩来也！！！！！！！！！
我觉得这种方式挺好的，一个主题看起来很舒服！！！！！
支持楼主！！！！！！！！！！！！！！！！
01;23;03
what is the bank?
bank's function
why we really need bank
it can make life more easier and save time
we needn't worry the safety of our money for the insurance provided by XXXX
01;14;06
a personal account's benefits are listed,
such as checking your expense lists,exchanging easily and earning some profits of interests.
other services of banks
01;03;08
the money for operating a bank come from loan.
01;13;04
people want to know whether they should invest in the bank industry.
a renowned investor....recognize people should buy bank's stock.
for the record, the SLF and the BKX index rose
01;19;03
XX says bank will still behave well and he lists some example to strengthen his views.
越障：
04；57
TOPIC:
POSTAL SERVICE SHOULD BE OPERATE BY PERSONALITY.
STRUCTURE:
PROVIDE A QUESTION-----TO BEHAVE THE TOPIC
BACKGROUND
OFFER WRITER'S VIEW
LISTS SOME EXAMPLES
SHOW US THE DIFFICULTIES WHEN WE FACE THE NEW POLICY
LIST THE NECESSITIES OF THE TOPIC
作者: totti_roma 时间: 2013-6-7 09:35
1.1'10
2.1'08
3.1'12
4.1'01
5.1'11
obstacle 5'23
benefits of USPS
congress support post office
作者: carolxxchen 时间: 2013-6-7 09:41
回来看了一下,发现小分队越来越壮大了!(还多了很多铁板烧.....)spencer也还在. 暑假二战,我又有什么理由不回归呢
作者: solocat1014 时间: 2013-6-7 11:04
补交作业
1'10
Introduce what the bank is and explant why we should have a bank account.
1'11
several points are given out for the benefits of using bank account to save your money.
1'25
how banks work?
Banks get deposits from depositors so that they will have money to make loans. Then they pay depositors interests earned by making loans.
1'02
You have a wide array of other banking organizaitons, such as credit unions and saving institions, to choose from.
1'01
0'59
Obstacle
3'57
作者: 泽逸 时间: 2013-6-7 15:40
经管比较简单...
1.00 The definition of Bank& importance of Bank.
1.03.6 Bank transaction procedure and saving bank account information.
1.11.33 How do bank make profit throught loan and the other service of Bank.
1.06.41The stock value of Bank will continue to rise due to economic stability.
1.24.65Rising interests rate didn't risk as many concerned. And bank still make profit and market make better achieve.
5.52.65 A proporsal of hybrid has come into discussion. The definition and background of Hybrid parternship.
USPS may suffer loss throught this action and possible solution including less redical one.
And the attitude of Offcial authority is not very approval and they think is much like a structure problem.
作者: peby1223 时间: 2013-6-7 16:21
1:50
2:00
1:43
1:53
2:05
8:50
作者: joanfighter 时间: 2013-6-7 22:58
time1 00:00:59.57
why we need to know about the meaning of bank. and what the bank really is, and the really function the bank owns. bank is a financial institution that can help you to manage your money that your assert will be kept in safe by a federal institution.
time2 00:01:02.33
the bank accounts are important for all the people including your business partners and your employers. it is timesaving because it can help you to use your money more flexibly. take an example that your creditors take your check to withdraw your money. meanwhile, you can gain interests by your deposition.
time3 00:01:05.20
how do banks earn profits? by the difference between the loan they lended and the money they have. another function for banks is to lend money to other business cooperations instead of pirvate individuals. this way can keep the personal assert safe and earn the interests meanwhile. there are other functions we can explore on the internet.
time4 00:01:03.60
whether or not to buy into the banks is a problem confusing some people. to figure this question out we should ask some experts in this field. an analysts says that if the whole economy goes well banks will goes well too. and he or she thinks that since the whole economy goes well it is safe for us to buy into banks.
time5 00:01:42.49
fed has investigated lots of money in financial systems and this action lead to some arguments about it. the interest rate does effect the whole economy. if the interest rate goes up, the more housing are selling and more people will consume goods. the ecnomy will be booming because of it.
time6 00:05:46.97
main idea: the post indutry are changing these years. new trend known as private-public partnership is famous in this industry.
altitude:positive
para connecting:
this new trend named as ppp is new fashion in this industry. this industry now is public for private companies.
this new trend brings some effects in some ways. first the unempolyment rate will rise. second the competation will be force.third the income will be decline. meanwhile it brings some bad effects such as financial crisis.
but this new trend is efficient for the indsutry development.
辛苦啦辛苦啦。。。很有意思~
作者: XLJIAYOU 时间: 2013-6-7 23:52
1：39
what is bank and why do you need a bank account?
1:40
some reasons that why you need a bank account.
1:37
how banks operate?
1:45
bank stocks are associated with economy
1:34
the bank is complex and it has a long way to go.
5:33
the feasibility analysis about creating a "hybrid" United States Postal Service.
作者: daisydoris 时间: 2013-6-8 08:00
time 1 (238）1'07
time 2 (231)1'21
time 3 (234) 1'05
the rest (169) 51'
time 4 (226) 1'12
time 5 (261) 1'20
obstacle 5'07
作者: heroyuzhe 时间: 2013-6-8 14:37
1;08
1:13
1:03+0:48
1:07
1:34
obstacle
5:00
作者: Jesyishuang 时间: 2013-6-8 14:56
01:21 A bank is a financial institution which is safe and insured, so everyone needs a bank account.
01:27 The reasons why a banking relationship is vital.
00:57 How does a bank loan money to businesses and consumers?
01:21 Whether or not to buy into banks is determined by the economy.
01:27 The operation of banks can also have impact on the economy.
05:24
Main idea: How to fix the USPS’s financial problems?
Attitude: Objective
Structure:
1)A proposal
-weakness:The USPS’s mail carriers would keep their “letterbox monopoly” on existing delivery routes, and the Postal Service would determine a national average for delivery costs that it would charge those private carriers.
-advantage:In theory, opening up the USPS’s services to competition would allow it to operate much more efficiently, and save costs.
2)other recommendations
-cannot fundamentally alter the way the Post Office operates
3)something should be done to make the USPS efficient
作者: rosenbutter 时间: 2013-6-9 13:22
最近毕业到处玩，居然忘了自己还是个要考托福的人儿....赶紧补作业
1.1:16
2.1:07
3.2:21
4.1:19
5.1:39
6.6:04
作者: change17251 时间: 2013-6-10 10:45
继续补作业。。。我觉得我上辈子肯定是乌龟。。。。慢死了！！！
1,32
1,37
1,23
1,52
1,59
7,03
the whole passage is talking about one recommendation that create a pulic-private hybrid postal service, which would make the USPS more cost-efficiency.
》》creating a "hybrid" United State Postal Service is under way.
》》the study of Information Technology & Innovation Foundation on the public-private hybrid proposal adds a bit more to the discussion.
》》even after become a hybrid, the Postal Service would determine a national average for delivery cost, but more cost efficiencey.
》》other recommendations for fixing the USPS's financial problems are much less radical than hybrid recommendation, which also don't address a fundamental issue with Post Office finances.
》》whether Congress approved the hybrid is the biggest problem.
作者: Cri倩 时间: 2013-6-10 20:43
41"
47"
45"
40"
56"
3'41" a proposal to create a hybrid united states service will keep shipping and packaging company beneficial
Negative: private hybrid proposal centers around private companies competing to accept, transport and process much of america's first-class mail; mails would be delivered as it was
Positive: lower cost, more
Some recommendations
作者: myisabella 时间: 2013-6-11 09:24
20-2
【Time1】（238） 01：24.12
If we have a good idea of bank, we can manage our money and make financial decisions better.
If we put our money in the bank, we are less likely to spend it frivolously.
【Time2】（231）01：22.61
Bank can provide a well-established documents.
Using a personal bank account can save time and money.
The principles can apply to savings account.
【Time3】（234） 01：23.22
The bank loan a large amount of money to business or companies.
The bank can make profit because of the
difference between the interest paid to depositors and the interest earned on loans.
But banks will not lend all the money out. They hope to assure the depositers' money.
【Time4】（226） 01：36.12
pessimistic [,pesi'mistik] adj. 悲观的，厌世的；悲观主义的
veteran n. 老兵；老手；富有经验的人；老运动员 adj. 经验丰富的；老兵的
【Time5】 01:38.91
作者: 9号球 时间: 2013-6-11 18:14
timer1 what is bank and why we need a bank,the vital relationship between bank and people
timer2 the importance of a checking account,the same principles can apply to saving account
timer3 banks use depositors' money to make loans and other investments to make a profit,FRB requires banks to reserve a certain percentage of money for depositors to withdraw at any timer;other services offered by banks
timer4 investors and experts think that the economy is going to do well and the banks will track the ascent,good performance of inndexes has proved their idea.
timer5 the fed has put much money in the financial system and there's a staggering amount of money of the banks to go into the economy,high rates offen represent the rising of economy,and the bank stories have a long way to go
obstacle
main idea: a proposal to create a hybrid USPS to allow private companies to complete those services
作者: wangjue1102 时间: 2013-6-11 21:16
1’00’’
1’00’’
Why we need bank exactly. The benefits we reaped from a bank account.
1’03’’
How does a bank operate? How to make its profits?
1’13’’
Whether or not to buy into banks now is as simple as making an up or down call on the economy.
Banks’ performances track the economy closely.
1’09’’
4’38’’
Several researches revolve the idea of partly privatizing the PS
Recommendations for fixing the USPS’s financial problems, among which the hybrid public-private partnership is presumably the most interesting proposal being discussed
However, the hybrid recommendations don’t address the fundamental issue with PO.
A hybrid proposal may just be another interesting idea that won’t get traction. But, eventually, something will have to be done to right the Post Office’s ship.
作者: 铁板吗啡 时间: 2013-6-11 23:04
1:45
1:02
1:34
1:37
1:17
7:21
作者: 风随心动01 时间: 2013-6-12 10:52
铁板吗啡 发表于 2013-6-11 23:04
1:45
1:02
1:34
好啦好啦〜看在你这么积极努力的份上,猴哥他们会不会再生气的啦〜
作者: huang2610 时间: 2013-6-13 10:30
1 1'03"
what is a bank and why should we choose bank
2 1'23
bank provides documentdation and the advantages of checking bank account and saving account
3 1'12"
how banks operate- accumulate depositors' money and load it out, other services of banks
4 1'12"
whether a bank share will go up?
5 1'47"
B's opinion about the FEB's position and high interest rate
obstacle 5'29"
the hybrid proposal of post service
the benifit and drawbacks discussion
作者: 徐小玉儿 时间: 2013-6-13 23:19
0’48
0‘54
0’55
0‘59
0’56
1:12
obstacle
3:26
越障有点没理解全。。
作者: Victy郑小回 时间: 2013-6-14 23:40
speed reading
1.bank account why is bank relationship is vital
02:38
2.bank 作用
paper trail to document transaction
save your time and money
saving accounts can make your money safe
02:03
3.how bank operate?
safe place for money, loan money to businesses and consumers.
reinvest make bank's profit
other bank difference
03:45
4.whether or not buy into bank ? decided by the economical development
02:03
5. high interest rate go => (1) econ go (2)the cost of running the busincesses go down
high interest rate 的作用
02:38
obstacle 10:39
privatize the Postal service
作者: lolitagrace 时间: 2013-6-17 15:46
1-1'17
what is the bank? The question is simple but answer is complicated.
2-1'20
The check is a good way to save money and time.
3-1'26
The profit of bank from the difference between deposits and interest paid from loan.
+59'
4- 1'14
5-1'27
The banking story is still a long way to go.
Obstacle
5'53
A proposal is related to create a hybrid US postal office system.
作者: Cybill 时间: 2013-6-17 22:50
1. 1'12
2. 1'18 bank will save your effort and make you earn some interest.
3. 1'16 bank use your deposit to earn money and use the money make loans for you.
Rest: 1'16
4. 1'12 investors are positive
5. 2'2
作者: Victy郑小回 时间: 2013-6-22 23:26
speed reading
1.bank account why is bank relationship is vital
02:38
2.bank 作用
paper trail to document transaction
save your time and money
saving accounts can make your money safe
02:03
3.how bank operate?
safe place for money, loan money to businesses and consumers.
reinvest make bank's profit
other bank difference
03:45
4.whether or not buy into bank ? decided by the economical development
02:03
5. high interest rate go => (1) econ go (2)the cost of running the busincesses go down
high interest rate 的作用
02:38
作者: wensd1111 时间: 2013-6-26 07:19
1 A 00:58
2 A 01:32
3 A 04:43
作者: bitxln 时间: 2013-7-6 10:14
Timer1: 1:20 [238]
The passage states that what is a bank (a bank is, 疑问句在一个从句中应该要变为陈述句的语序). Bank can provide services such as deposit money, transit money for individuals and businesses.
And this passage also states the importance of the bank. One of the important functions is that the bank can make security of our money.
frivolously adv. 轻浮地；愚昧地
Time2: 1:22 [231]
This part details the benefits of bank. Firstly, the bank can help to track the money transaction. In addition, the bank can help the users to deals with the creditors. And finally, the bank can also provide interest to the depositors.
Time3: 1:17 [234]
The bank get use its services, such as interest, money management, to attract the money from individuals and loan the money to business or the people inneed (in need) to make money. But the bank must keey (keep) a proportion of money deposited in band at any time to alow (allow) the individuals to drawback?? (取款应该用withdraw). And the bank also provides lots of other kinds of services.
Time4: 1:00 [169]
There are other kinds of unins (unions) or institutes that individuals can get the similar services, such as deposit money, pay bills, with banks. Users are allowed to get money through ATM or get services from internet and users now have bunch of banks to choose.
Time5: 1:18 [226]
Some research staffs think that the prespective (prospective) of bank and the reliability of bank is close link to the economic situation. If the economic situation is good, the business of banks will increase and vise versa. And the researchers have positive view of the future and think the stock and profit of banks will have a big increase.
Time6: 5:20 [862]
The passage mainly discusses that which direction the tranditional (traditional) post office should take in the future. One proposal is to make private company to replace the post office since it can use the local carrier services and build a “hybrid” United States post service. Some concerns for the proposal point to the unemployment, the continuous business increast (increase), etc.
Structure:
作者: hubeckett 时间: 2013-7-11 20:29
囧了，看了21-2去了。。已在21-2打卡。。
作者: coconutmi 时间: 2013-7-14 18:34
Do not know how to summarize this article....
1.1:09
2.1:29
3.0:52
4.1:28
5.1:30
Obstacle
6.5:37
A research suggest that the state owned mail system could open to private sector. The mail system lost in recent years and was regarded as inefficiency for being monopoly. since the mail system offers its profit to retire fund, the problem they're facing now is serious one.
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