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G present perfect and past simple cae V money P theletter 0 paid the phone 2A Spend or save? Yes, | paid it yesterday. 1 VOCABULARY money a @34)) Listen toasongabout money Complete the gaps with phrases A~ A amaterial world B comes with a fee € foot the bill Educated, ' D for free E paper or plastic F shopping sprees He's well-dressed Not funny ! ‘And not much to say in G with money 2 Most conversations “ee \ b_ Listen again and read the lyri Which phrase (A~ But hell? in ) means. All situations rich *Cause he pays for everything cash o credit cards yonlnre teipy ined Girls don't like boys, girls like cars and itioney "a pay the bill oe tandieeenaye Boys will laugh at girls when they're not funny buying alo of things at one time i consumer society Don't matter Shell have it Vacations And * These area few ‘Of her favourite things She'll get what she wants If she's willing to please His type of gir! Always * Hey, now, there's nothing * ‘What do you think the song is saying? Do you thinkiitis...? + very cynical + sad, but sometimes true *+ offensive to women (and men) d_ > p.154 Vocabulary Bank Money, Gils don't like boys, girls like cars and money Boys will laugh at girls when they're not funny, ‘And these girls like these boys like these boys like these girls Girls don’t like boys, girls like cars and’ money All of these boys, yeah get all of these girls Losing their souls in” PRONUNCIATION the letter o Can you remember which word rhymes with money in the song Girls & Boys? Look at some more words with the lecter o. Pur them in the correct column. clothes cost dollar done honest loan money note nothing owe shopping some sold won worry 438) Listen and check, Look at some words with the letters or. How is or normally pronounced when it’s stressed? Which two are different? afford order worth organized mortgage store work {)39)) Listen and check. Practise saying these sentences, Let’s go shopping for clothes. Can [borrow some money? He won a million dollars They can't afford to pay the mortgage [work in a store. vedone nothing wrong, READING & SPEAKING Read the questionnaire 4 \d choose your answers. Compare your answers with a partner, Say why > Communication Spender ar saver? 9.104. Find out if you are a spender or a saver LISTENING 4/40) Listen ro six people answering the question Ave you a spender or a saver? How many are savers? Listen again and match speakers 1-6 with A-F, Who, A _| always has money in the bank B often ends up with no money C_ thinkshe | sheis careful with money, bue nor mean, D___ enjoys spending money on his | her hobby E _ cansave money if he / she needs to F __ prefersto live now than worry abour the fucure ARE YOU A SPENDER ORA SAVER? 1 You go shopping and you see something very expensive that you really want, but can’t afford. You... buy it with your credit card. You can worry about the bill next month. 'b already have some money in the bank and plan to save for a couple of weeks and then buy the thing you want € borrow the money and agree to pay back a small amount every week. 2 You get £100 for your birthday. You... a spend some of it and save some. go straight to a shopping centre and spend ic all. ‘© putall of it in your bank account until you know what you want to spend it on. 3 Do you always know how much money you have, how much money you have spent, and on what? a Yes. 'm very organized and know exactly what | have and what I've spent. b No. I haven't gota clue. When I have money | usually Just spend ie, © usually have a rough idea about what I spend my money on. 4 You've borrowed some money from a friend, but you don't think that you'll be able to pay it back by the time you promised to. You... a. don't worry about it. Hopefully your friend will forget about it too! b work out how much money you have and how much you owe. You speak to your friend and explain the situation and offer to pay the money back in small instalments. speak to your friend and promise that youll pay him / ther back, but ie mighe eake a bie longer than you frst thought. 5. You have a friend who often borrows money from you and never pays it back. He / she wants to borrow £50. You.. a lend him / her the money. You can afford it and it doesn't matter if you don'e get it back bb say no; he / she owes you too mich already. lend the money, but explain that itis the last time, until he J she has paid back this loan. om EES 5 GRAMMAR present perfect and past simple 1a Read tieconversation. Whatorethey anguingabour? b 41) Read the conversation again and put the verbs in the present perfect or the past simple. Then listen and check. David | haven't seen (see) those shoes before. Are they new? Kate Yeo. K_ Oh,not much. They*@ D_ Youmean £99.99, That isn't cheap for a pair of shoes. ‘Anyway, we carrt afford to buy new clothes at the moment. K Why not? De you ___ (see) this? K No, What is it? DInephone pit. t> ___ tarive) this morning, And we * (not pay) the electricity bill yet K Well, what about the iPad you ¢ (buy) last week? D_ What about it? K YouX___ {not need) anew one. The old one * (work) perfectly well D Buti (need) the new model K Well, need) some new shoes. € Do weuse the present perfect (PP) or past simple (PS). 1 fora completed action in the past 2 forrecent actions when we don't ask { say exactly when 3 insentences with just, yet, and already > p.134 Grammar Bank 2A. Learn more about the present perfect and past simple, and practise them, Gust buy) Ureit Du you tke Ure? D Theyre OK.How much they (cost)? (be) a bargain. Under £100, € In pairs, interview each other with the questions. Ask for more information. HAVE YOU EVER...? + bought or sold something on Ray or a similar site + lost a credit card or your wallet = What? + saved for something for a lang time + wasted money on something you've never used won any money (eg. inalottery) * lent money to someone who didetpay back ome When? + bought something online and then discovered that it was @ scam = + been charged too much in a restaurant What happened? Have you ever bought or \ / Yes, sold my sold something on eBay? / \ old computer. Who did you setlit to? How >, much did you selit for? xe READING & SPEAKING In pairs, answer the questions, Give as much information as you can, 1 Think of two people you know personally or have heard nfwhnaee very rich Tid they? a earn their money (how?) D inherit cheir money (who from?) © winit (how?) Ifthey earned their money, wasit be they were very lucky b they worked very hard © they had a special talent Now read an article about a millionaire. How did he become so rich? Why is his success surprising? How did he make his daughter proud of him? Now read the article again and number the events in the order in which they happened. Hebe: millionaire again, Helearneto read and write A B CF Helostall his money D [1 He sold old clothes in the marker E (| Heopened a department store. F | Hewonan important prize. GL He opened a small clothes shop. H_| Hebecamea millionaire 1 (J He sold clothes in the market again. J] | He wrote his autobiography K J His shop was on the front page of newspaper. What do you think youcan learn from Jeff's story? Look at the highlighted words and phrases related to money and business. With a partner try to work out the meaning from the context. Complete the questions with one of the highlighted words and phrases. Then ask and answer the questions with a partner. 1 When was the last recession in your country? How long did it last (has it lasted)? Do you know anybody who works as a > What does he (she) sell? Does he (she) enjoy his (her) job? 3 Af you were completely who would ‘you ask co lend you some money? 4 Have you ever bought something the first day it >What? 5 Do you know anybody who has ‘on their own? Is it THE MILLIONAIRE WITH A SECRET aa nee roe oer nate hia His name is not really Jeff. His mother changed it because he could never spell his real name, \ James, and she thought Jeff was easier. Pearce was born in Liverpool in the 1950s, in a very poor family. ‘At school, all the teachers thought he was stupid because he couldn't learn to read or write - at that time, not many people knew about dyslexia. But there was something that he was good ‘at selling things, Pearce's first experience as a salesman was ‘when he was a boy, and he and his mother used to go door-to- door asking for old clothes that they could sell in the market. He instinctively knew what people wanted, and it soon seemed that hhe could make money from anything. His mother always believed in him and told him that one day he would be successful and famous. In 1983, when he already owned a small boutique, he decided to invest £750 in leather trousers, and to sell them very cheaply in his shop. "it was a bit of a gamble, to tell you the truth,’ he says. But Liverpool loved it, and there were photos of shoppers sleeping in the street outside his boutique on the front page of ‘the local newspaper. The first day the trousers went on sale, the shop took £25,000. Jeff became a millionaire, but later he lost most of his money in the recession of the Nineties. He was almost 40, and he was broke again. He even hiad to go back to selling clothes in the market. But he never gave up, and soon he set up a now business, a department stare, called leff's, which again made him a millionaire, However, success didn’t mean anything to Jeff because he still couldn't read or write. Even his two daughters did not realize that ‘their father couldn't read. When one of them asked him to read her a bedtime story he went downstairs and cried because he felt 0 ashamed. At work he calculated figures in his head, while his, wife Gina wrote all the cheques and read contracts. In 1992 Pearce was awarded a Businessman of the Year prize for the best clothes store in Liverpool. It was at this moment that he told his friends and colleagues the truth, ‘and decided to write a book about his experience. But first he had to learn to read and write. He went to evening classes, and employed a private teacher, but he found it very difficult because of dyslexia. Finally, with the help of a ghost-writer*, his autobiography, A Pocketful of Holes and Dreams, was Published, and became a best-seller. Recently, hhe was woken in the middle of the night by ‘someone knocking on his front door. It was is daughter to whom he hadn't been able to read a bedtime story all those years earlier, She had come to tell him that she had just read his book. ‘Dad, I'm so proud of you,’ she said ~ and burst into tears in his arms. jost-writer is somebody who ssa book for anoth person | = amo EYE 2A present perfect and past simple present perfect simple: have/ has + past participle (worked, seen, etc) 1 past experiences Pye been to London, but I haven't been to Oxford. Have youever lost your credit card? Sally has never met Bill's ex-wife. a) 2 recent pastactions Pye cut my finger! ‘Too late! Ourtrain has just left! 3 with yetand already (for emphasis) I've already seen this film twice. Can't we watch another one? My brother hasn't found a new job yet. He's still ooking. Have you finished your homework yet? No, not yet 1 We use the present perfect for past experiences, when we don’tsay exactly when they happened. + Weoften use ever and never when we ask or talk abour past experiences. They go before the main verb, 2. Weuse the present perfect for recent past actions, often with just + just oes before the main verb. 3 Wealso use the present perfect with yet and already + already is used inf] sentences and goes before the main verb, + yet isused with =] sentences and It goes arthe end of the phrase + Tor irregular past participles see Irregular verbs p.165. a Complete the mini dialogues with the present perfect form of the verb in brackets and an adverb from the list. You can use the adverbs more than once. y y) already ever just never yet A Why are you smiling? B Lvejust founda €50 note! (find) 1A B Yes, of course. I've done it loads of times, A When are you going to buy a motorbike? B Soon. 1 nearly £1,000. (save) A you the electricity bill, B No, sorry. forgot. 4A B Yes, but | paid it back as soon as could 5 A How does eBay work? B don’t know: 1 6 A Wharare you celebrating? a flight online? (hook) your parents ‘you money? (lend) it. (use) BWe nin aprizein the lottery! (win) 7A Why haven't you gotany money? BI my salary. [bought a new tablet laseweek. (spend) 8 A Would you like a coffee? B No, thanks. fone. (have) past simple (worked, stopped, went, had, etc.) They got married last year What time did you wake up this morning? I didn’t have time to do my homework. 43) ‘+ Use the past simple for finished past actions (when we say, ask, or know when they happened). present perfect or past simple? ve been to Madrid twice (in my life upto now) Twent there in 1998 and 2002. (= on tivo specific occasions) Pye bought a new computer. don't say exactly when, where, te.) Mboughe it last Saturday. (= I say when) 44) ‘+ Use the present perfect (NOT the past simple) coralk about past experiences and recent past actions when we don't specify a time ‘+ Use the past simple (NOT the present perfect) roaskor talk about finished actionsin the past, ‘when the time is mentioned or understood. We often usea past ime expression, e yesterday, last week, ete b_ Right or wrong? Tick V or cross X the sentences. Correct the wrong sentences. Pyenever been in debt. ¥ How much has your new camera cost? X How much did your new'camera cost? 1 Dean has just inherited €5,000 froma relative 2 Did your sister pay you back yer? 3. We booked our holiday online a month ago. 4 When have you bought that leather jacket? s ‘They've finished paying back the loan last month, 6 Weha n't pad che gas bill yet. Have you ever wasted a lor of money on something? 8 Tm sure Thaven't borrowed any money from you last week 9 spent my salary really quickly last month, 10 Have you seen the Batman film on TY yesterday? pio Money 1 VERBS ymplete the sentences with a verb from the list. VOCABULARY BANK be worth bi wail borrow "hors! car't afford /ka cost Ikosi/_ earn inherit inherit’ invest in'vest’ lend lend! owe ou’ raise rei’ save serv waste /Werst 1 Myuuncleis going to leave me £2,000. I'm going to inherit £2,000. 2 I put some money aside every week for a holiday. 1 money every week. 3 Mybrother has promised to give me €50 until next week, He has promised to__ me €50. 4 Inced toask my mum to give me £20 until Friday Ineed to £20 from my mum, 5 Loften spend money on stupid things. often money. 6 don’t have enough money to buy that car. 1 _ to buy that car, 7 Tusually have to pay the mechanic £100 to service my car The mechanic — me £100. 8. These shoes are quite expensive. They are $200, They $200, 9 Jim gave me £100. I haven't paid it back yet. 1 Jim £100. 10. Iwant to put money ina bank account. They'll give me S% interest. I wantto some money: 11 Lwork ina supermarket. They pay me £1,000. month. 12. Icould sell my house for about €200,000. 13 Weneed to get people to money to build a new hospital. I £1,000 a month. My house about €200,000, We wantto _ money for the new hospital. b 35) Listen and check. Cover the sentences on the right. Try to remember them 2 PREPOSITIONS Somplete the Preposition column with a word from, the list back by for(2) from infx2) into on to reposition 1 Would you lke to pay cond? cashor credit | in, by 7 paid te deat a weap Pitas 3 Ispent £50 _ books|yesterday. 4 My uncle investedall his money Property. 5 Idonttiiketending money friends. | 6 borrowed a lot of money the bank. 7 They charged ue 60 abattle of wine 3 NOUNS a Match the nouns and definitions. bill bil) cash machine (AmE ATM) kee maisn coin sin loan ioun’ mortgage “moras ote Inout) salary "sceloriy tax tacks 1 note apiece of paper money a apiece of money made of metal 3 piece of paper which shows how much money you have to pay for something 4 ___ the money you get for the work you do 5 ‘money that you pay to the government 6 money that somebody (ora bank) lends you money that a bank lends you to buy a house 8 amac e where you can get money b 4373) Listen and check. Cover the words and look at the definitions. Try to remember the words. | cen only end you the money ifyou pay me next week. 9 Inever get debt. hate owing people money, b 36) Listen and check. © Cover the Preposition column, Look at the sentences and remember the prepositions, PP Phrasal verbs {took out €200 fromaléash machine. (= took from mi bank account) ; When can you pay me back the money i lent you? (= return) have to live off my, | while Tm at university. evar ‘t's difficult for me and my wife to live on only one salary. (have enough money for basic things you need to live}

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