Susan Pozo February 14th, 2013

ANA02
U3-L1-L2-L3-L4-GB

Unit 3 - Money Matters

Preview
Vocabulary
IQ Intelligence Quotient Which is a persons level of intelligence base
don standard tests.
Live below your means Spend less money than you have
Live beyond your means Spend more money than you have
Wipe someone out Cause someone to lose all of his/her money
Budget A plan of how to spend money
Income The money that you earn from working, or the
money that you receive from investments
Savings All the money that you have saved, especially
in a bank.
Treat yourself to Buy something special for yourself that you
know you will enjoy.
Pay off Pay someone all the money that you owe them

Comprehension.
1. ___ Find a job that offers a high salary.
2. ___ Use a computer program to keep track of your spending.
3. ___ Save part of your income every week.
4. ___ Dont use credit cards.
5. ___ Pay the full balance of your credit card bill every month.
Susan Pozo February 14th, 2013
ANA02
U3-L1-L2-L3-L4-GB

Sound Bites.
1. What did Judy buy?
She bought a new entertainment system
2. Did she pay in cash or by credit card?
In cash
3. Is she rich?
No she isnt
4. How did she save so much money?
She started to live within her means. She cut back on her spending.

Vocabulary
Strike it rich Suddenly make a lot of money
Cut back on Reduce the amount, size, costs etc. of
something
Save, save up, put money away, put money All have the same meaning.
aside.
Kind of Slightly or in some ways
Susan Pozo February 14th, 2013
ANA02
U3-L1-L2-L3-L4-GB

Lesson 1 Talk about your financial

goals

Future plans and finished future actions

Future general plans expect, hope, intend or plan

I hope to make a good living.

I intend to buy a car next week.

Perfect form of an infinitive

Perfect form of an infinitive to express that an action will or might take place
before a specified time in the future.

Verb + to have + past participle

By next year, I hope to have gotten a good job as a financial consultant.
Susan Pozo February 14th, 2013
ANA02
U3-L1-L2-L3-L4-GB
Finished future actions
Use the future perfect to indicate an action that will be completed by a specified
point in the future.

By 2015, Joe will have paid his debt off.

Now pay off debt 2015

When will Joe have finish paying off his debt?

Future perfect statements

Subject Will (not) Have + past participle
I / He / She / It / You / They Will (not) Have saved enough money by then.

Future perfect yes/no questions

Will Subject Have + past participle
Will I / He / She / It / You / They Have saved enough money by then?

When we use the future perfect, we imagine By June, he will have paid his debt.
a certain point in the future, and we look We wont have saved enough money
back at events that will be completed by that by then
time.

Past now future

Paid
June
debt.

Use by + time expression to identify the By June, shell have bought a used car.
point in time in the future. Shell have looked at a lot of cars by
then.

By May, hell have already saved $1,000.

Use already and yet to emphasize whether
an event will have happened before a point By May, he wont have saved $2000 yet.
in time
Susan Pozo February 14th, 2013
ANA02
U3-L1-L2-L3-L4-GB
Present perfect in adverbial clauses.
Use present perfect in an adverbial clause to distinguish between a completed future
action and one that will follow it.

What is Joe going to do first?

What is he going to do after that?

Susan Pozo February 14th, 2013
ANA02
U3-L1-L2-L3-L4-GB

G5- Grammar
Future continuous
Statements
Subject Be (not) going to / will Be +base form + ing
not
I Am (not) going to
He / She / It Is (not) going to Be working Tomorrow.
We / You / They Are (not) going to
I / He / She / It / Will (not)
Be working Tomorrow.
We / You / They

Use the future continuous with be going to

or will to talk about things that will be in Robo is going to be walking the dog at noon.
progress at a specific time in the future. Or
Robo will be walking the dog at noon.
Past now 12:00 future

Will be walking

Remember if the sentence has a time Ill be cooking while the robot cleans.
clause, use the simple present tense or Ill be cooking while the robot is cleaning.
present continuous in the time clause, not NOT Ill be cooking while the robot will be
the future or future continuous. cleaning.

Ill be preparing the decorations

Where will you be living in three years? I will be living in Dubai next year.

What will you be studying next week?

Where are you going to be spending your next vacation?

What will you be doing tomorrow at this time?

Susan Pozo February 14th, 2013
ANA02
U3-L1-L2-L3-L4-GB
Future perfect continuous
Use the future perfect continuous for an action that.
Starts before a future action
Will be in progress for some time
May continue after the stated future time.

By June next year, Joan will have been running her own business for
ten months.
Joan will start running her own business before June next
year.
By June the action will have been in progress for ten
months.
Joan may continue running her own business after June.
Vocabulary
Subject Will (not) Have been + base form +ing
I / He / She / It / We / You / Will (not) Have been saving for three
They years

When we use the future perfect We moved in 1998. By next

continuous we imagine a certain December we will have been
point in the future, and we look living here for several years.
back on things already in progress. We are moving to Paris next
year. By 2005 we will have
Past 1998 now December Future been living there for several
years, and it should feel like
living home.

the future perfect continuous Youll have been speaking

focuses on how long and often French for ten years by then.
includes the length of time.
Susan Pozo February 14th, 2013
ANA02
U3-L1-L2-L3-L4-GB

Lesson 2 Express buyers remorse

Conversation snapshot

Focused questions

1. What did the man buy ?

2. Is he happy with it ? why yes or why not?
3. Did he know this before buying it?

Vocabulary
Lucky you Used to say that someone is fortunate
To tell you the truth Used to emphasize that you are being very
honest
I could kick myself Said when you are annoyed with yourself
because you realized that you made a mistake
or missed a chance
What a pain ! Used to say that something is very annoying
You are telling me Used to emphasize that you already know
and agree with something that someone has
just said.
Buyers remorse A strong feeling that it was a mistake to have
bought something
Susan Pozo February 14th, 2013
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U3-L1-L2-L3-L4-GB

PAST UNREAL CONDITIONAL-

INVERTED FORM

If she had known it was on sale, she would have bought it.

Had she known it was on sale, she would have bought it.

If she hadnt lent me the money, I wouldnt have bought it.

No contraction in
inverted form

Had she not lent me the money, I wouldnt have bought it.

If I had been warned, I wouldnt have done it.

Had I been warned, I wouldnt have done it.

Susan Pozo February 14th, 2013
ANA02
U3-L1-L2-L3-L4-GB

Lesson 4 Discuss reasons for

charitable giving.
Discuss reasons for charitable giving

Charity and investments

Charity contributions investment

Philanthropists profits

1. ______ often make _______ to organizations that help people in need.

2. Helping people in need does not always require a huge _____ of time
and energy.
3. All the ________ from the sales will go to a _______________.
Susan Pozo February 14th, 2013
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U3-L1-L2-L3-L4-GB

Useful synonyms and verb +noun combinations

Charity Charitable organization
Contribution Donation
Make a contribution contribute
Make a donation Donate
Make an investment Invest
Make a profit Profit
Use the correct preposition.
You make a contribution or donation of something to a person.
You contribute/donate something to a person or organization.

Vocabulary
Camp A place where children go and stay
for a short time and take part in
special activities, often as members
of an organization.
Life-threatening With a potential result to death.
Run for sainthood Try to do good things.