практика. !!!ПРАКТИКУМ 1 часть. Практикум для курсантов, обучающихся на многоуровневой основе в 2 частях Часть 1 3е издание, переработанное
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PUBLIC FINANCEThe government collects money from citizens through taxes. Income tax is the tax collected on wages and salaries. Inheritance tax is collected on what people inherit from others. Customs or excise duties have to be paid on goods imported from other countries. VAT or value added tax is a tax paid on most goods and services when they are bought or purchased. Companies pay corporation tax on their profits. If you pay too much tax, you should be given some money back, a tax rebate. The government also sometimes pays out money to people in need, e.g. unemployment benefit (also known informally as the dole), disability allowances and student grants (to help pay for studying). A company may sell shares to members of the public who are then said to have invested in that company. They should be paid a regular dividend on their investment, depending on the profit or loss made by the company. Ex. 13. Match the words with their definitions.
1. a bank account with minus money on it 2. money paid towards the cost of raising a family 3. money given by the government for education, welfare, etc. 4. an account that is used mainly for keeping money 5. money paid to people with a handicap 6. money paid to people after a certain age 7. an account that cheques are drawn on for day-to-day use 8. money chargeable on a loan 9. a loan to purchase property 10. money parents give children every week 11. part of income paid to government 12. money from work, usually monthly or annually 13. weekly or monthly payments for your room, flat or house 14. money from work, usually hourly or weekly 15. money for transport, e.g. bus, train, taxi Ex. 14. Complete the following dialogues with the correct form of the verb phrases below.
1. I’ve only just got enough to get by at the moment but fortunately I … next month. 2. She wears some lovely clothes, doesn’t she? – Yes, she bought a Porsche recently, so I guess she … . 3. How’s your new job? Does it pay well? – Not too bad. I … after tax. 4. My basic wage is only £ 200 a week, but I … because I do so much overtime. Ex. 15. Choose the best word to complete each sentence. I lent Bill $20; he says he’ll pay / spend me back next week. Excuse me, it's none of your business how much money I get / make. Greenpeace raised / rose five million dollars to help preserve the Atlantic rainforest. How much of my income should I inherit / invest, and how much should I put into savings? I can't believe I ruined / wasted $10 on a calculator that doesn't even work! I didn't have enough savings to pay my college tuition, so I had to pick / to take out a student loan. Sometimes your employer can pay your salary by doing / making a deposit directly in your bank account. I really admire rich people who donate / sponsor a large portion of their wealth to charity. I try not to eat out at restaurants too often; I'm trying to keep / to save money. Let's exchange / replace money here at the airport so that we can get a taxi to the hotel. My son earned / won $50 for taking care of the neighbor’s dogs over the weekend. We need to give / to make a budget so that we don't end up spending more than we earn. Ex. 16. Match the halves.
Ex. 17. a. Complete the following dialogue with the words below.
A: Yes. How can I help you? B: I’d like to … some money. A: Certainly. How much? B: 700 euros in … . A: Ok. Have you got any proof of … like a passport or driver’s licence? B: No, sorry. A: Well, in that case, I need you to … this form. B: Ok. Have you got a pen? A: Can you just … here at the bottom? B: Oh, right. A: That’s fine. Here is your money and your receipt. b. Practise the conversation with a partner. Ex. 18. a. Complete the sentences with the following words.
1. I’d like to open … . 2. I don’t have a bank … . 3. I’m thinking of changing … . 4. I’d like to take out … . 5. I need to cancel … . 6. I’d like to … a complain. 7. I’d like to … my PIN number. 8. I’d like to … some money from my account in Japan to my account here. 9. I’d like to … some money into my account. 10. I’d like to … a credit card. b. With a partner discuss why the person wants to do these things. For example: A: I’d like to take out a loan. B: May be he wants to buy a car or he wants to go and study abroad for a year.  Track 4. Ex. 19. a. Listen to two people talking, and answer the questions. 1. What is Isabel doing? 2. Does she say it is easy or difficult? 3. Does Primo like the idea? b. Listen again. Choose the most suitable answer. 1. Isabel is a) writing out a cheque, b) writing an email c) paying bills through the Internet. 2. How does Primo feel about what she is doing? a) Surprised. b) Uninterested. c) Enthusiastic. 3. Isabel says this system a) saves you money. b) is good for the environment. c) is complicated. 4. Primo worries about a) security. b) expense. c) wasting time. 5. Isabel agrees that a) it's expensive. b) there are some risks. c) it is difficult. 6. When he goes to pay bills in Scotland, Primo sometimes finds it difficult to a) work out the money. b) understand the cashier's accent. c) remember his ID number. 7. Isabel says her way a) wastes money. b) is slower, c) saves time. 8. Finally, Primo a) thinks it's a good idea. b) is uncertain. c) doesn’t like the idea. c. What is your attitude to paying online? What do you pay for online? How often? Ex. 20. Complete the sentences with the most suitable word(s) below.
Sinead didn't have much cash, so she paid for the meal by ... . Ann spent much money last month and couldn't afford to pay the electricity … . Can I borrow €5O? I promise I'll pay you ... . Our TV needed repairing and we paid the technician £65 ... . The sales manager talked for an hour at the meeting, but few people paid much … . I've spent all my wages and I'll have to wait another two weeks until I get… . I don't want to ask the bank for a loan, as I'll have to pay a lot of … . Danil wanted to buy a new car, so he took out a ... . Ex. 21. Complete the text with the words in the box.
In the past, when people needed 1)…, they used to go into their local bank and write out a 2) … . Now, you can go to a 3) … at any time of the day or night, type in your 4) … and get £100, in brand new £20 5) … . (Of course, if you need 6) … , you still need to go to the bank.) But who uses real money anyway these days? Most of the time, we pay by 7) … or 8) … . It's certainly the easiest way to pay when you're abroad and unfamiliar with the 9) … . Ex. 22. Complete the sentences with one of the verbs.
1. Tom and Ann want to buy their first house, and so they are going to ... a mortgage. 2. I'm afraid my credit card has been stolen, so I need to ... it. 3. Yes, my husband and I would like to ... a joint account, please. 4. The banks are planning to ... us £2.40 every time we take cash from a cash machine. 5. Yes. I'd like to ... a complaint. You've overcharged me for this meal. 6. I want to ... some money into my account, please. 7. Could you ... £1,000 from my account to Ms Yoko Wong in Tokyo please? Just a moment and I'll give you her account number. 8. Just a moment, Vikram! I haven't got any euros! I need to ... some money. Ex. 23. Match the beginnings of the sentences in A with the ending in B and write them in the correct places in the dialogues below. A B
a) A: Can I change some money here? B: Yes, certainly. A: (1) What’s theexchange rate for Australiandollars? B: (2) _______________________________________ A: OK, well I’ve got £300 pounds here. B: Right. (3) _________________________________ b) A: (1) ______________________________________ B: One moment - here you are. A: Thank you. (2) _____________________________ B: Yes, we take Visa or Mastercard, but not American Express. A: That's fine. Oh, and (3) ______________________? B: No, it isn't. c) A: Can I help you? B: Yes - (1) __________________________________? A: The blue one's £25 and the red and white one is silk - that's £130. B: I see. Well, (2) _____________________________ d) A: (1) ______________________________________ B: Right, well you need to fill in this form and bring the necessary documents ... A: Oh. (2) __________________________________? B: Just your passport, and something with your address on it. Track 5. Ex. 24. a. You are going to hear two conversations connected to banks and money. Listen and answer the questions for each conversation.1. What does the first speaker want? 2. What problems does the first speaker encounter (face)? 3. What happens in the end? |
