W hen a man t e lls you he g o t rich th ro u g h

hard w o rk , a s k him: Whose?

Don Marquis, US Writer

2A Spend or save?

1 V O C A B U L A R Y money C o m p le t e th e a d v e r t is e m e n t w it h th e w o r d s i n th e b o x .

ATM b en k-aeeo tm f bills coin loan

a C o m p le t e th e s e n t e n c e s w it h th e c o r r e c t v e r b
m ortgage salary taxes
in p a r e n th e s e s .

1 M y s is te r wastes a lo t o f m o n e y o n c lo th e s she
n e v e r w ea rs, (w astes / saves)
afford
2 I c a n 't ___________________ to b u y a h o u s e o f m y o w n .
(pay / a ffo rd )
save
3 Y o u ’ l l have t o ___________________ a lo t o f m o n e y i f y o u
w a n t to tra v e l a r o u n d th e w o r ld n e x t year, (co st / save)
earns
4 K e v i n ___________________ a b o u t $ 2 ,5 0 0 a m o n th at h is
n e w job . ( w in s / e a rn s)
is worth
5 T h a t p a in t in g ___________________ a lo t o f m oney.
(charges / is w o rth )
raise
6 M y u n c le is d o in g a b ik e r id e t o ___________________ W hafs so good about
m o n e y fo r c h a rity , (raise / save)
owe
7 W e s t i l l ___________________ th e b a n k a lo t o f m oney.
CASH Internet Banking pic
(ow e / earn)
inherited OUR ACCOUNT SERVICES
8 M a r y ___________________ $ 5 ,0 0 0 f r o m h e r g ra n d fa th e r
w h e n he d ie d , ( in h e rite d / in ve ste d ) Open a 1 b a n k a c c o u n t with us and we'll give
charged you a free g ift - you'll get a tab le t co m p ute r if
9 T h e p lu m b e r ___________________ m e $ 2 5 0 to f ix m y
you earn over $3,000 a m onth. C onsult our online
sh o w e r, (co st / ch a rg e d )
ATM
service 24/7 and use your card in t h e 2____________
10 lend
C a n y o u ___________________m e $ 2 0 0 u n t il I g et p a id ?
o f any bank to take out as much o r as little m oney as
( b o r r o w / le n d )
you want. Do you have a lot o f change? Use our free
b C o m p le t e th e s e n t e n c e s w it h th e c o r r e c t p r e p o s it io n . coin
3 ____________ counter and dep o sit the tota l directly
into your savings account. Does your com pany pay
1 I’l l p a y fo r th e m o v ie tic k e ts i f y o u get th e sn acks!
salary
y o u r 4____________ d ire ctly into the bank? Then we
for
2 T h e y ch a rg e d u s $ 5 ______________ a b o ttle o f w ater.
w o n 't charge you anything fo r your card. W e’ll even
into
3 T h e y g o t ______________ d e b t w h e n th e y b o u g h t th e ir bills
pay all y o u r 5____________ fo r you, free o f charge.
n e w house.
from
4 W e b o r r o w e d s o m e m o n e y ______________m y p a re n ts.
in OUR FINANCING SERVICES
5 M y g ra n d p a re n ts a lw a y s p a y ______________ ca sh .
to
6 I d o n 't m in d le n d in g m o n e y ______________ fa m ily . Do you need to borrow m oney for a car, a vacation,
on loan
o r a new laptop? We'll give you a 6____________ of
7 T h e y s p e n t a lo t o f m o n e y ______________ t h e ir so n 's
up to $ 10,000 fo r w hatever you w ant to buy.
e d u c a tio n .
by And how about a new house? We can give you a
8 C a n I p a y ______________ c r e d it c a rd ?
mortgage at one o f the lowest interest rates
7____________
in
9 P h il in v e s te d a ll h is m o n e y ______________ h is
on the market.
o w n com pany.

OUR EXTRA SERVICES

taxes
How m uch do you pay in 8____________ ? Talk to
our sp ecialists to make sure you're paying the right
am ount - the y can help you pay less.
Com e to CASH Internet fo r the best accounts, the
best services, and the best savings.

11
 2 P R O N U N C IA T IO N the letter o 4 R E A D IN G
a ( C ir c le ) th e w o r d w it h a d if f e r e n t s o u n d . a R e a d th e f ir s t c h a p t e r o f a b o o k a b o u t D a n ie l
S u e lo o n c e . W h e r e d id h e d e c id e to liv e ?
2
3 (J Q S 1 w it h fr ie n d s L II 3 in th e c o u n t r y
1 A
i 2 w it h f a m ily LH 4 in a c it y
up clock phone horse bird

money honest done afford w ork

nothing
(soldj)
shopping
dollar
owe
go
worse
store
world
sh ort The man who
b
won clothes loan m ortgage w o rth

L is t e n a n d c h e c k . T h e n lis t e n a g a in a n d r e p e a t
quit money
n the firs t year o f the tw e n ty -firs t
th e w o r d s .
Icentury, a man standing by a busy
road in the middle o f the United
3 G R A M M A R present perfect and simple past States took his life savings o u t o f
his pocket - $30 - laid it inside a
a (^Trcle) th e c o r r e c t a n s w e r.
phone booth, and walked away.
1 \(haye neverowedj)/ never owed a n y m o n e y to th e b a n k in m y life . He was 39 years old, came from
2 T h e y have charged / charged u s to o m u c h f o r o u r m e a l la s t n ig h t. a good family, and had been to
3 I k n o w so m e g re a t c h e a p p la c e s to sta y in S e o u l. I've been / 1 went college. He was not mentally ill,
th e re a fe w tim e s . nor did he have any problems
4 Paul hasn’t inherited / didn’t inherit a n y t h in g f r o m h is w ith drugs o r alcohol. The decision was
g r a n d m o th e r w h e n sh e d ie d . made by a man who knew exactly w hat he was doing.
5 You’ve lent I you lent h im m o n e y s o m a n y tim e s , b u t h e n e v e r In the twelve years since then, as the stock market
p a y s y o u b a ck! has risen and fallen, Daniel Suelo has n o t earned,
6 H o w m uch has your TV cost / did your TV cost? received, o r spent a single dollar. In an era when
7 H o w m a n y t im e s have you wasted / did you waste m o n e y o n anyone who could sign his name could get a
c lo th e s y o u n e v e r w e a r? mortgage, Suelo did not apply fo r loans. As public
8 I haven’t had / didn’t have a n y c o in s , s o I c o u ld n 't p u t a n y m o n e y debt rose to eight, ten, and finally th irte e n trillion
in th e p a r k in g m e te r. dollars, he did not pay taxes, o r accept any type of
9 Haveyou ever invested / Didyou ever invest an y m o n e y in a co m p a n y ? help from the government.
10 M y g ir lf r ie n d h a s a h ig h - p a y in g jo b . S h e has earned / earned Instead he w ent to live in a cave in Utah, where he
$ 8 5 , 0 0 0 la s t year. picks fru it and wild onions, collects animals th a t have
been killed on the road, takes old food th a t has
b C o m p le t e th e d ia lo g u e s w it h th e c o r r e c t f o r m o f th e v e r b s in
gone past its sell-by date o u t o f trash cans, and is
p a r e n th e s e s .
o fte n fed by friends and strangers. “ My philosophy
is to use only w hat is freely given or d is c a rd e d h e
1 A When did your son buy his car? (buy! writes. While the rest o f us try to deal w ith taxes,
B
passed
When h e ___________ his driving te s t last m onth, (pass) mortgages, retirem ent plans, and bank accounts,
2 did
A How much m o n ey_________ borrow fro m your sister
y o u _________ Suelo no longer even has an ID card.
yesterday? (borrow) Daniel is n o t a typical tram p. He o fte n w orks - but
have spend
B About $100, but I already__________________ it all. (spend) refuses to be paid. A lthough he lives in a cave,
Have found a new house yet? (find) he is extrem ely social, remains close to friends
3 A _________ y o u _________
Did find agrees
B Yes, and the bank__________________ to give me a mortgage. and family, and has discussions w ith strangers on
(agree) his website w hich he checks a t th e local library.
He has ridden his bike long distances, traveled on
4 Have
A _________ lent
you ever_________ any money to a friend? (lend) fre ig h t trains, hitchhiked throu g h nearly every state
needed a new phone, (need)
B Only to my boyfriend when h e _________
in the United States, worked on a fishing boat,
5 A Has did make an appointm ent w ith the
made your m o th e r_________
_________ collected mussels from Pacific beaches, caught
d octo r yet? (make) salmon in streams in Alaska, and spent three
called
B Yes, she_________ him yesterday and she’s seeing him m onths living in a tree a fte r a storm .
tomorrow, (call) “ I know it’s possible to live w ith zero m oney” Suelo
declares. And he says you can live well.

12
b R e a d th e c h a p t e r a g a in a n d c h o o s e th e c o r r e c t a n s w e rs . 5 L IS T E N IN G
1 W h a t d o w e le a r n a b o u t th e m a n in th e f ir s t
a jH g p L is t e n to f o u r s p e a k e r s t a lk i n g a b o u t
p a ra g ra p h ?
h o w th e y m a n a g e o n t h e ir in c o m e s . M a t c h th e
a H e h a d ju s t le f t s c h o o l.
s p e a k e r s w it h t h e ir s it u a t io n .
(b) H e h a d t h o u g h t a b o u t h is a c t io n s c a re fu lly ,
Speaker 1 _d_ a a s in g le p a re n t
c H e h a d h a d a d i f f ic u lt c h ild h o o d .
Speaker 2 a
__ b a f a m ily w it h c h ild r e n
2 W h a t h a s D a n ie l S u e lo d o n e s in c e h e c h a n g e d h is life ?
Speaker 3 c
__ c a s in g le r e tir e d p e r s o n o n a p e n s io n
a H e h a s g o tte n in t o d e b t.
Speaker 4 _b d a y o u n g p e r s o n w h o liv e s w it h
b H e h a s b o u g h t a h o u se ,
h is / h e r p a re n ts
c H e h a s n ’t u se d a n y m o n e y .
3 H o w d o e s h e g et e n o u g h to eat? b L is t e n a g a in a n d m a r k th e s e n te n c e s T (tru e ) o r F (false).

a H e f in d s fo o d . Sp eaker 1
b H i s f a m ily c o o k s f o r h im . 1 H e d o e s n ’t e a r n m u c h m o n e y . F_
c H e b u y s fo o d . 2 H e saves m o s t o f h is sa la ry . T
__
4 W h a t 's D a n ie l S u e lo lik e ? Sp eaker 2
a H e 's shy. 3 S h e d o e s n ’t o w n th e h o u s e w h e re sh e liv e s. T
b H e 's la zy, F
4 S h e t h in k s m o n e y is m o re im p o r t a n t t h a n fa m ily . __
c H e 's o u tg o in g . Sp eaker 3
5 H o w d o e s h e g et f r o m o n e p la c e t o a n o th e r? 5 H e c a n ’t liv e o n h is in c o m e . F
__
a H e r id e s h is b ik e e v e ry w h e re . 6 H e is n ’t in d e b t. T
__
b H e u s e s d if f e r e n t m e th o d s o f t r a n s p o r t a t io n , Sp eaker 4
c H e a lw a y s u s e s t r a in s . 7 S h e o n ly w o r k s in a s to re o n th e w e e k e n d s . F
__
8 S h e s p e n d s m o s t o f h e r m o n e y o n h e r c h ild r e n . T
__
c L o o k a t th e h ig h lig h t e d w o r d s a n d p h r a s e s . W h a t d o
y o u t h i n k th e y m e a n ? U s e y o u r d ic t io n a r y t o lo o k u p c L is t e n a g a in w it h th e a u d io s c r ip t o n p . 69 .
t h e ir m e a n in g a n d p r o n u n c ia t io n .

d C o m p le t e th e s e n t e n c e s w it h o n e o f th e h ig h lig h t e d
USEFUL W ORDS A N D PHRASES
w o r d s o r p h ra se s.

1 C le a n fre s h w a te r o fte n c o m e s f r o m m o u n t a in L e a r n th e se w ord s and p h ra se s.

streams . b a c k e r /'b ie k a r/
retirement plan
2 It’s im p o r t a n t to have a ________________________ fo r b illio n a ir e /'b ily a n s r/
w h e n y o u get o ld. b r a n d /b rie n d /
3 T h e g ia n t f is h s c u lp tu r e s in R io w e re m a d e u s in g c u s to m e r /'k A s ta m sr/
discarded p la s tic b o ttle s .
e n tr e p r e n e u r ia l / a n tra p ra 'n a ria l/
4 T h e e a rly n in e te e n th c e n tu r y w a s a n im p o r t a n t lo w - p a y in g / lo o 'pe ryn j/
era f o r opera.
r e je c tio n / ri'd 3e k jh /
5 H e h a s sh a re s in s o m e c o m p a n ie s , s o h e ’s in te re ste d in
s a le s m a n / 's e ilz m a n /
stock market
w h a t h a p p e n s o n t h e ________________________ .
s e lf-m a d e / s s lf'm e id /
sell
6 Y o u m ig h t get s ic k i f y o u e at fo o d a fte r i t s ____________ -
w e a lth y /'w elO i/
by date

13
 O n ly I c a n c h a n g e m y life . N o o n e e ls e c a n d o it f o r m e.
Carol Burnett, US actress &comedian

2B Changing lives

1 G R A M M A R present perfect c C o m p le t e th e d ia lo g u e s w it h th e p r e s e n t p e r fe c t c o n t in u o u s f o r m
o f th e v e rb s.
simple + fo r / s in c e ; present
perfect continuous
1 A Have you heard H eather’s new band?
a W r it e th e w o r d s a n d p h r a s e s i n th e b o x in B No. Have they been playing
th e c o r r e c t c o lu m n . to g e th e r fo r a long time? (they / play)

-2095- a long tim e a week March six months

I was little th e la st tw o days Tuesday 2 A How long was your flight?
years and years you la s t called We've been traveling
B Twelve hours.______________________
all day. (we / travel)
fo r s in c e

a long time 2005 3 A My brother has a very good job in New York City.
a week March has he been working
B Really? How lo n g ____________________
six months I was little ____________________ there? (he / work)
the last two days Tuesday
years and years you last called
4 A Diana finally found a new apartment!
She's been looking for
B Oh g o o d !___________________________
b C o m p le t e th e s e n t e n c e s w it h th e p r e s e n t one fo r so long! (she / look for)
p e r f e c t f o r m o f th e v e r b in p a r e n th e s e s a n d
f o r o r since.
1 Iv e had m y car fo r a b o u t a m o n th , 5 A Why does Eric's teacher w ant to see you?
He hasn't been doing
B ____________________________________
(have)
has been since his homework lately, (he / not do)
2 M y m o m ___________________ s ic k __________
la s t F rid a y , (be)
have know
3 W e ___________________ each o th e r 6 A You’re late.
since
__________w e w e re in s c h o o l, ( k n o w ) Have you been
B Yes, I know. S orry.__________________
has worked
4 H e ___________________ fo r th e sa m e waiting
_______________ long? (you / wait)
for
c o m p a n y ______________ fiv e years, (w o rk)
have lived
5 T h e y __________________ in M ia m i
since
__________ th e y g o t m a n n e d , (live) 7 A You look exhausted.
I've been taking care of
B ______________________________________
have been
6 M y p a r e n ts ___________________ aw a y
for th e kids all day! (I / take care of)
__________ fo r th re e days, (be)
have wanted
7 I___________________ to g o to A u s t r a lia
for
__________a lo n g tim e , (w ant)
hasn't spoken
8 S h e ___________________to me ( C ir c le ) th e c o r r e c t fo r m . I f b o t h f o r m s a re p o s s ib le , c h e c k ( / ) th e se n ten ce .
since
__________la s t y e a r, (n o t speak) 1 H o w lo n g have you lived / haveyou been living a b ro a d ? /
2 I ’ve studied j(fy e b e e n studying) C h in e s e f o r t w o y e a rs.
3 H a n n a h has had / has been having th e s a m e b o y fr ie n d s in c e she w a s
in s c h o o l.
has M ark played / has Mark been playing th e b a ss g u ita r ?
4 H o w lo n g
5 He’s worked / H e’s been working at th is s c h o o l s in c e he s ta rte d te a ch in g .
6 I ’ve known / I ’ve been knowing y o u f o r y e a rs.
7 We’ve gone / We've been going to th e sa m e d e n tis t sin c e w e w e re k id s.
8 You’ve worn / You've been wearing t h a t c o a t f o r y e a rs!

14
2 P R O N U N C IA T IO N sentence stress
a f f lI E f ilSSl. L is t e n a n d c o m p le t e th e se n te n ce s. Do you want to be
1 I ’ve b e e n
long
traveling a ll day .
2 H o w ______________ h a v e th e y b e e n g o in g
out
a volunteer?
______________ to g e th e r?
feeling
3 S h e ’s b e e n ______________ yesterday
s ic k s in c e ______________
haven't
4 T h e y ______________ living
b e e n _______________ h e re
fo r lo n g .
cleaning
5 W e 'v e b e e n ______________ th e h o u se
morning
a l l ______________ .
haven't
6 1______________ sleeping
b e e n _______________w e ll lately.

b L is t e n a g a in a n d r e p e a t th e s e n te n c e s . C o p y
th e r h y t h m .

3 R E A D IN G
a R e a d th e a r t ic le o n c e a n d m a tc h p h o to s 1 - 3 w it h
p a ra g ra p h s A - C . BAC
b R e a d th e a r t ic le a g a in . A n s w e r th e q u e s t io n s
w it h th e le t t e r s A , B , o r C .
W h ic h o r g a n iz a t io n . ..?
1 ta k e s p e o p le f o r t w o w e e k s o r a m o n t h
2 e n c o u ra g e s s ig h ts e e in g
3 o ffe r s a c c o m m o d a t io n s in te n ts
4 sa ys w h a t v o lu n te e r s s h o u ld b r in g
5 g iv e s v o lu n te e r s fre e a f te r n o o n s
A T h e B o o k Bus
Do you enjoy reading? Do you like children? Then why n o t volunteer fo r
our mobile library service in Zambia? We work w ith underprivileged
children in public elementary schools, and it's a lot o f fun. We read
stories, do a rt projects, and organize activities to help the children
learn English. A fter breakfast at 7 a.m., we head to our firs t school in
tim e fo r the beginning o f th e school day. Every morning we visit a t least
_B_ fo u r schools, and we spend about an hour in each one. We get back to
_C our campsite at around 2 p.m. fo r lunch, and a fte r th a t you have the
A afternoon free to relax o r prepare activities. The project takes place
C
__ from May to September, and it’s open to everyone. Volunteers have to
_A pay fo r th e ir own flig h t and make a contribution to the project.

6 le ts v o lu n te e r s sta y w it h o th e r s i n a h u t
7 a rra n g e s a c c o m m o d a t io n s w it h lo c a l p e o p le _C
8 o n ly n e e d s v o lu n te e r s f o r p a r t o f th e y e a r
c L o o k a t th e h ig h lig h t e d w o r d s a n d p h r a s e s .
W h a t d o y o u t h i n k t h e y m e a n ? C h e c k w it h
y o u r d ic t io n a r y .
d C o m p le t e th e s e n t e n c e s w it h o n e o f th e
h ig h lig h t e d w o r d s o r p h r a s e s .
1 M y lit t le n ie c e o n ly w a n t s to p la y o n the
_______ swing_______ w h e n w e g o to th e p a rk .
B
__
B T h e G r e a t O r a n g u ta n P r o je c t
Are you an animal lover? If you are, then you should come to Kubah
A
__ National Park in Borneo. We need people to help us take care o f our
orangutans. Unfortunately, you w on't be able to touch the animals
because they are being prepared to be released into the wild, but you’ll
w ork very close to them. You'll spend your tim e in the Wildlife Center
repairing the shelters where the orangutans live, o r building new ones.
You might have to make a swing, o r install some ropes where the animals
can play. You’ll share a room in a wooden hut th a t looks out onto the
rainforest. The program lasts fo r tw o o r fo u r weeks and it costs $1,935 or
$2,820 respectively, excluding flights.

2 Ify o u make a contribution

a ll_______________________________
C C o n s tr u c tio n in P e ru
____________________ , w e 'll b e a b le to b u y o u r
Are you good a t making things? If you are, and you’d like to take part in
c o lle a g u e a n ic e g o in g -a w a y p re se n t.
a construction project, how about corning to Peru to lend a hand? You’ll
the wild
3 I’d r a th e r see a n im a ls i n ____________________
be based in Cuzco in southeastern Peru, and you'll be involved in the
th a n i n a z o o .
construction o f a small school, and a community center or an orphanage.
4 T h e s c h o o l is o r g a n iz in g a n a fte r - s c h o o l c lu b You may have to paint and make repairs to existing buildings, o r build
underprivileged c h ild r e n in th e area.
f o r ____________________ new ones in and around the city. You’ll live w ith a Peruvian family, and
5 T h e p e o p le w a it in g f o r th e b u se s w e re s t a n d in g you'll eat all your meals together in th e ir house. All o f the houses have
shelters
u n d e rn e a th t h e ____________________ b e c a u s e it electricity and running water, but you'll have to go to an Internet cafe in
w a s r a in in g . Cuzco if you w ant to go online. You are expected to w ork from Monday
6 W e ’re m o v in g to a n e w house th is w eeken d. C a n to Friday, and on the weekends you can explore some o f the fantastic
lend a hand
y o u co m e a n d __________________________________ sights in the region. Please bring your own work clothes.
____________________ w it h th e p a c k in g ?
 4 V O C A B U L A R Y strong adjectives
a C o m p le t e th e a d je c t iv e f o r e a c h p ic t u r e .
5 L IS T E N IN G
a L is t e n to a n e w s s t o r y a b o u t a n A m e r ic a n
f a m ily w h o is t r a v e lin g a r o u n d th e w o r ld d o in g
v o lu n t e e r w o r k . C h e c k ( / ) th e p la c e s t h e y h a v e
a lr e a d y v is it e d .

1 A u s t r a lia [ZJ 7 P a ra g u a y L U
2 A n t a r c t ic a Ld 8 P e ru
3 C h in a 9 R u s s ia
1 S h e ’s a b s o lu te ly elicious
2 I t’s d ___________________ ! 4 H a it i 10 R w a n d a
f reezing. 5 In d ia 11 T h a ila n d [
6 Kenya 12 Z a n z ib a r L d

b L is t e n a g a in a n d a n s w e r th e q u e s tio n s .

1 W h a t d id J.D . L e w is u se t o d o ?
H e u se d t o b e a n a c to r .

3 T h e y ’re r e a lly
4 H e ’s h ___________________ .
xcited
e___________________ .
5 I t’s a b s o lu te ly
ormous
en___________________ .
2 H o w o ld a re th e c h ild r e n ?
14 and nine
ilarious
3 H o w m u c h is th e t r ip g o in g to c o st?
$300.000
4 W h a t ’s th e n a m e o f h is o r g a n iz a tio n ?
Twelve in Twelve
5 W h a t d id th e y d o in T h a ila n d ?
They took care of elephants
6 H o w d id th e y h e lp th e c h ild r e n in R w a n d a ?
They taught them English
6 T h e y ’re 7 W h o d id th e y h e lp i n K e n y a ?
ilthy
f ___________________ . Children who have HIV

b C o m p le t e th e s e n te n c e s w it h a s t r o n g a d je ctiv e . 8 W h a t d o e s J. D . L e w is h o p e h is o r g a n iz a t io n w i l l d o
in th e fu tu r e ?
1 A Are you sure th e m eeting is today? Encourage other families to do the same
B Yes, I'm absolutely p o s itiv e .
c L is t e n a g a in w it h th e a u d io s c r ip t o n p . 70 .
2 A Is your boyfriend’s a pa rtm e n t small?
tiny
B Yes, it's really___________ .

3 A Were your parents angry about your te s t scores? USEFUL W O RDS A N D PHRASES
furious
B Yes, th e y w e re ___________ .
L e a r n th e se w o rd s and p h rases.
4 A Is your sister afraid o f insects?
terrified b lis te r s / 'b lis ta rz /
B Yes, she’s a b so lu te ly___________ o f them.
c h a r it y A J'terati/
5 A Were you surprised when you passed your k a y a k /'k a ite k /
driving test?
a c h e /e ik /
amazed .
B Yes, I was re a lly___________
ta rg e t /'ta rg a t/
6 A Were th e kids hungry when the y arrived? m e lt /m elt/
starving
B Yes, they were a b s o lu te ly __________ .
p a d d le /'predl/
r is k y / 'r is k i/
go fo r w a r d / g o o 'fo rw a rd /
s p o n s o r p r o je c ts /'s p o n s o r 'p r a d 3s k ts /

G j £ l 0 FILE 2

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