As for the series of talks by famous speakers, you will definitely be able to join those talks as I believe

they will beheld online. Of course, I will also be joining those extra xlasses as we can never stop
learning. I look frward to hearing from you again.
Regard
Your friend,
Shaina

Task 2
‘Financial Literacy courses should be made compulsory for all pre-university students’

Hook: Financial literacy is the ability to understand and effectively use various financial skills,
including personal financial management, budgeting, and investing. When you are financially literate,
you have the foundation of a relationship with money, and it is a lifelong journey of learning.
Stand:should
Thesis Statement:

P1: FL help them manage their financial effectively

H1:budget- set the goal to save money in a month-as most of the teenager spend all money
Ex: saving 10% from salary
R: extra money that can use to pay their course fee
H2: buy item need not wanted- avoid impulsive buying
Ex: impulsive buying in online mostly occur in midnight period
R: spend all of their money, avoid this- stick to the budget and avoid buying during midnight
C: Learn the management of the financial if they exposed to the FL

P2: helpful in emergencies situation

H1: we could not expect what will happen tomorrow, -prepare for rainy day
Ex: losing a job or having a major unexpected expense- apparently during Covid-19 pandemic
H2: boost the confidence of teenager as they will not afraid to have debt in case they need a huge
amount of money
Ex: pandemic- lost job-lost financial support-have own saving to spend – not need borrow from bank
or Along
R: they even can help other when they in financial difficulties
C: life-saving straw for people who trap in emergencies case

P3:become less vulnerable to financial fraud

H1: they not involved in borrowing money from Along which have higher interest if compared to bank
Ex: up to 10% onr day
R: if FL they will borrow their money from truthworthy bank authority
H2: not have financial burden- avoid become stress mental well -being
Ex:anxiety,
R:
C

C:
Restate:
Hope/Recommedation:
A person who know what they know how to manage their money effectively will have a better life. As
saying goes,’ If you don’t plan , you plan to fail’. However, everyone should take their own
responsibility to instil the FL among the teenager expecially teenager themselves. If all the teenager
can manage their financial effectively, we can ensure the sustainable development and growth of the
nations in the world and ensure prosperity in the future.

SAMPLE ANSWER
Hook: What will happen when they have to manage their finances on thei own and mom and dad
aren’t there to help them? What will happen when they go into debt or even get everything taken
away from them as a result of not being t=tayght how to be money smart?
Stand: should
TS: Student will learn to make smart and informed financial decisions. Moreover, it will also help to
prepare them for the future and lack of financial managemenr knowledge has painful consequences.

In addition to personal advantages for the students, financial literacy classes can also greatly
help the economy through educating students in making smart and informed financial
decisions.
R: By giving them a course in financial literacy, students will be guaranteed to have knowledge on
how to wisely manage finances and navigate the economy.
EX: Our economy has many diff. ways to either obtain great wealth or to lose everything . Withiu
having a compulsory course on financial literacy, students would become so engulfed by the economy
and its endless pathways and make uninformed decisions that could ultimately lead to bankruptcy
C: Financial literacy courses must be made mandatory for students to help them succeed in life and
avoid the downfall so many others have met due to a lack ofmknowledge of the economy
Many peopke have concluded that financial literacy is ineffective and a waste of money, but
really, it does a great of assisting students and preparing them for the future
R: Courses, especially financial literacy , greatly give back on investments made in them by using the
students;’ education ganed from the class.
EX: Financial literacy courses don’t merely give the ‘ impression; of progress; they actually show it.
Although people disagree on the effectivemess pf financial literacy course, it still stands that they are
a great resource for student’ financial literacy. It gives students a great opportunity to discover tactis
and ways to save their money and get ready for the world. Courses o financial literacy educate
students on how to manage their money and when to spend it. Furthermore, it gives them a look at
the economy before they actually have to deal with ir hands-on
Financial literacy courses are fundamental to students’ growth in finances, and should be made
mandatpry for pre-university students

Finances are understandably on eof the major causes of stress for adults,
R: Everyone can relate to thesi stress; even the wealthiest people have felt financial pains at one time
or anoyher. Debt and lack of savings can cause considerable hardship on a person’s lie. And it
doesn’t just cause daily stress
Ex: Lack of finances may cause couples to fight and eventually divorce. There are a considerable
number of adults who lsit their jobs during the pandemic who are still on medication for depression
C: Lack of financial knowledge has painful consequences

Recommendation
Times have changed and students are now required to make amny complicated financial decisions,
Lets make sure they are equipped with the knowledge and skills that are necessary to make those
decisions. Lets do so before stress takes a toll on their financial lives—and perhaps ours, too.

Test 1
Task 1
Hi Parick
1. Glad to hear from you- The concert are very entertaining- sorry to hear that your arm is
broken- Hope you can get will soon and take another change to perform your piano recital