0495 - English For Managing Finances

Copyright (c) 2008-2012 Open English LLC. All rights reserved.
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Welcome!
English for Managing
Finances
Hello everyone! My name is ________. Im from ________.
I currently live in ________. I am a/an ________. I enjoy
studying ________. I joined Open English ________ ago.
Im (good / not good) at saving money.
Survival English
Beginner: Warm-up
What bill do you dislike paying most?
I really dislike paying the ________________.
cash
ATM
check
safe
bills
pay
rent
cost
income
taxes
Beginner: Vocabulary
Beginner: Matching
Match the listed words to the images
A. B. D. C. E.
cash ATM check safe bills
Fill in the blanks with the correct vocabulary words
Beginner: Vocabulary Practice
If you want to buy something, you have to ______ with money.
_________ is money received for work or through investments.
_______ is money that someone pays to live in a house or apartment.
Everyone has to pay ________ to the government.
Before you buy something, you need to ask how much it will ______.
income
taxes
pay
cost
rent
Beginner: Discussion
I prefer to pay my bills
A. with cash.
B. with a credit card.
C. with a personal check.
D. online.
I find it to save money every month.
A. difficult
B. easy
C. I have never tried to save money, so I
am not sure how difficult or easy it is.
I pay my bills on time.
A. always
B. sometimes
C. never
D. I dont have any bills to pay.
Complete the following sentences according to your opinion
1. Do you like being an accountant?
2. How much money will you take out?
3. Is this where you put all your valuable things?
4. Why did you stop using credit cards?
5. Do you have to pay a lot of bills?
Beginner Question & Picture Matching
B. C. E. A. D.
1. Keith always __________ his money after he gets paid.
write insert add up open count
Picture Fill-in-the-Blank
2. You need to __________ your card in the ATM to take money out.
3. I need the combination to __________ the safe.
4. I __________ a check tomorrow and give it to the landlord.
3. Last week he __________ all the money that he owes in bills.
Choose the correct verb and conjugate as needed
Create a sentence by using a subject, a verb and a complement
Beginner: Creating Sentences
I
You
We
He
She
They
Phil
be
keep
go
charge
money at home
rich
to the bank
broke
a fee
cash in your purse
it on a credit card
to an ATM
__ No, I bought my house ten years
ago.
__ Im going to pay the rent.
__ Yes, hes very wealthy.
__ I saved money for over 30 years to
buy my dream house.
__ Its $100.
1. Where are you going?
2. How much is the phone bill?
3. Do you pay the rent?
4. Does he make a lot of money?
5. How were you able to buy such
a huge house?
Match each question to the correct answer
Beginner: Match the Answer
Read the sentence with the correct answer
1. He (is having / has) a good credit score.
2. (Do / Does) you always pay your bills on time?
3. She (pays / pay) $600 in rent each month.
4. How (much / many) money did you pay in taxes last year?
5. I (will order / order) new checks tomorrow.
Beginner: Choose One
Beginner: Lets Talk!
Angie: Hey, Brooke. What are you up to?
Brooke: Hi, Angie. Im just writing out checks to pay my bills.
Angie: Thats no fun.
Brooke: Tell me about it! I have too many bills.
Angie: Really? How many do you pay every month?
Brooke: I pay nine bills every month.
Angie: Wow! I only pay three. How many credit cards do you have?
Brooke: I have three credit cards, and I owe money on all of them.
Angie: You should pay those off and then cut them up.
Brooke: Yes, I agree. I think thats what Im going to do.
Beginner: Lets Talk! Follow-up
How does Brooke pay her bills?
A. with cash
B. with credit cards
C. with checks
How many bills does Brooke pay every month?
A. five
B. nine
C. seven
What does Angie advise Brooke to do?
A. Angie advises her to ask her parents for money.
B. Angie advises her to get more credit cards.
C. Angie advises her to pay off her credit cards and then cut them up.
Answer the following questions about the previous passage
1. He ____ all his money, and
now he cant pay his bills.
a. is spending
b. spends
c. spent
_____ he spend?
_____ are you saving for?
_____ stole your credit card?
Beginner: Q & A Formation
Complete the question using the underlined words as hints,
then choose the correct option to complete the sentence
2. We ____ for a new car at the
moment.
a. are saving
b. save
c. is saving
3. The babysitter ____ my credit
card, so I cancelled it.
a. stole
b. steals
c. steal
1. She _________ her bills once a month.
Whats Missing?
is borrowed is paying borrow manages
put is being manage pays puts
2. He _________ in trouble because he didnt pay taxes last year.
3. I ________ money from my dad to pay off a credit card.
4. They ________ $1,000 in their safe in case of emergency.
5. His wife ________ the money.
Complete each sentence with a word from the list
Beginner: Categories
Forms of
payment
Places
people
keep their
money
Things people
pay for
Match each word to its corresponding category
cash bank rent safe credit card car wallet check electricity
Beginner: Pronunciation Pairs
cash
safe
bills
rent
tax
bash
save
bells
rant
tux
Listen to the difference between each pair of
words and practice pronouncing each pair
I went to an ATM before making this purchase.
Im charging my purchase.
I prefer to pay with cash.
Im writing a check.
Im using my credit card.
Match each sentence to its appropriate picture
Beginner: Who Said It?
A. B. C.
Numbers- Game (#0027)
Verbs for Dates and Time (#0055)
Numbers Vocabulary (#0061)
Numbers for Mathematics (#0063)
Conjugating "to have" (#0066)
It's more expensive than the gray one. (#0391)
Beginner: Related Lessons
Ask a Teacher 8:00 am to 12:00 am
Community Conversation Classrooms 3:30 pm to 11:30 pm
Live Sessions 3 times a week! Now beginning at 3:00 am
Intermediate Lesson Content
Intermediate: Warm-up
Name some common bills people pay
vault
deposit slip
bond
checkbook
credit card
debt
loans
tuition
car payment
insurance
Intermediate: Vocabulary
Intermediate: Matching
A. B. D. C. E.
vault deposit slip checkbook bond credit card
Use the words below to create your own sentences
Intermediate: Vocabulary Practice
Ex: A vault securely stores money.
vault
deposit slip
bond
checkbook
credit card
debt
loans
tuition
car payment
insurance
Match the synonym & antonym to each listed word
Intermediate: Synonyms & Antonyms
Synonym
plentiful
safe
gain
advance
rich
costly
Word
expensive
loan
profit
wealthy
abundant
secure
Antonym
unprotected
poor
borrow
lose
cheap
scarce
Intermediate: General Discussion
Many people have difficulty saving money. Why do you think that is?
Imagine you are going to buy a used car. You have the
cash to pay for it and you also have a credit card you
could use. How would you pay for the car? Why?
Intermediate: Lets Talk
Ken: Hello, sir. Welcome to Liberty Bank. My name is Ken.
How may I help you?
Ryan: Hello. My name is Ryan Jones. Im here today
to apply for a loan. Can you help me with this?
Ken: Absolutely, Mr. Jones! The first thing
youll need to do is fill out this application.
Ryan: Oh, yes. I forgot to tell you that Ive already
filled one out. I have it right here.
Ken: Great. Ill need a few minutes to look it over
and run a credit check. Please have a seat.
Ryan: Yes, of course. Thank you very much for
looking this over now. Im kind of in a hurry.
Ken: Mr. Jones, we can loan you some money, but we
arent able to loan you the entire $50,000 you
requested. Youve been approved for $25,000 instead.
Ryan: Oh, I see. Well, thank you for your time, sir. Ill try to
find the rest of the funding elsewhere. Thank you.
Intermediate: Lets Talk! Follow-up
How much money did Ryan Jones want to borrow from the bank?
How much money was Ryan Jones approved to borrow?
What did Ryan Jones have to do in order to apply for the loan?
__ Its lower than usual; only $35.40.
__ Hes a loan officer.
__ He could be better. Hes
struggling to make ends meet.
__ Ive already got three,
so Im not interested.
__ Actually, I forgot to do it.
Thanks for reminding me!
1. Would you like to apply
for a credit card?
2. How much is the utility bill?
3. What does Terry
do for a living?
4. Did you pay the
electric bill?
5. How is Bobby doing?
Match each question to the correct answer
Intermediate: Q & A
_ Maries car broke down, and she didnt have money to fix it.
_ Marie talked to her dad and he helped her withdraw the cash.
_ Marie felt worried about her situation.
_ Marie fixed her car and felt relieved.
_ Marie remembered her dad created a savings account for her.
Put the sentences in the correct order to form a short story
Intermediate: Story Sequence
Intermediate: Expressions & Phrases
Match the idiom to its meaning
1) Im not paying for this all on my
own. Everyone has to chip in.
2) Dont loan John any
money. Hes a deadbeat.
3) If you need to make a fast buck,
you could babysit Sarah for me.
4) I just spent my last dollar.
Now Im dead broke.
5) My only daughter wants a big
wedding, and I have to foot the
bill.
a) money earned quickly and easily
b) having no money; penniless
c) a person who never pays the
money he owes
d) to pay for something
e) to contribute money or pay jointly
1. Elise taken out $12,000 in loans to pay for college tuition.
2. If I had a lot of money, I would pay someone to invest it to me.
Choose the correct answer
3. He relies too much on credit cards, and its cause him to go into debt.
A. took
B. takes
C. has been taking
A. at
B. for
C. on
A. causing
B. to cause
C. have caused
Intermediate: Error Correction
Intermediate: Lets Talk Pictures!
Why do you think this woman is happy
to cut up her credit card?
Numbers- Game (#0027)
Pronunciation: The short /i/ (#0262)
Dates and Time Vocabulary (#0053)
Verbs for Dates and Time (#0055)
Numbers Vocabulary (#0061)
Numbers for Mathematics (#0063)
Intermediate: Related Lessons
Advanced Lesson Content
Advanced: Warm-up
Name some ways people pay their bills
Advanced: Someone Once Said
"A bank is a place that will
lend you money if you can
prove that you don't need it.
Bob Hope
Advanced: Vocabulary
mortgage
payments
overdue
graph
bankruptcy
interest
credit score
savings
asset
investment
Advanced: Matching
A. B. D. C. E.
asset credit score interest savings graph
Use the words below to create your own sentences
Advanced: Vocabulary Practice
Ex: You have to pay interest on an
outstanding credit card balance.
interest
payments
overdue
graph
bankruptcy
mortgage
credit score
savings
asset
investment
Match the synonym & antonym to each listed word
Advanced: Synonyms & Antonyms
Synonyms
limited
devalue
responsible
income
prosper
profitable
Word
lucrative
flourish
meager
depreciate
liable
revenue
Antonyms
appreciate
unaccountable
expense
decline
unprofitable
substantial
Read each sentence and replace the word with a synonym or antonym
1. Its important that I spend less than I earn.
S
2. Jeffrey is a person who spends his money wisely.
3. Marcy used half of her paycheck to pay this months bills.
A
A
Advanced: Sentence Rewording
Advanced: General Discussion
Imagine you have won $100,000 cash in a contest.
What would you do with the money? Would you save it,
pay off debts, invest it, or buy things? Explain your decision.
Many people get into major trouble with credit card
debt. How and why do you think this happens?
Advanced: Lets Talk
Josh: Hey, Sally. Whats wrong? You look like youve just received some very bad news
or something. Is there anything I can do to help you? Do you feel like talking about it?
Sally: Hi, Josh. Well, Im upset because I just got a notice in the
mail that says if I dont pay my mortgage within a week, theyre
going to foreclose on the house. I dont know what to do.
Josh: Oh my goodness! Are you serious? Thats horrible!
Whats been preventing you from paying your mortgage, Sally?
I mean, you do have a very good paying job, dont you?
Sally: Well, thats the problem. I lost my job three months
ago and Ive been looking for a new one. Ive applied to
several companies, but I havent heard back from any of them.
Josh: Im so sorry to hear that! Youre my sister! You should have come to me sooner.
You know I would have helped you. Now tell me, how much is your mortgage?
Sally: Josh, youre sweet, but you know I dont like asking
family for help. I wanted to fix this problem by myself. Unfortunately,
I dont think I can. My mortgage is $1200 dollars a month.
Josh: Okay, I am going to loan you the money. And on top of that,
Im going to give you a job. Ive been looking to hire a full-time
secretary for my office, and the job is yours if you want it.
Advanced: Lets Talk! Follow-up
Inferring from the text, would you say
that Josh is a saver or a spender?
Using clues from the text, would you say
Sally is most likely single or married?
Correct the mistake
1. Jordan want to take out a second mortgage.
2. Right now, Ernie is having a little over $20,000 in savings.
3. Your credit score going down if you dont pay your bills on time.
4. Ambers phone bill was overdue, so they charge her a fee.
5. Sandra has a credit card, but she only uses it for emergency.
Advanced: Error Correction
Advanced: Reading Comprehension
Saving money can be really tough in todays economy. Here
are a few tips that will keep your wallet from losing weight.
Take your lunch to work I know its more fun to eat
out, but when youre trying to save money, it can really
make a difference.
Get your books from the library I love books and read
daily. While I buy some of the books I read, most of them
come from the library.
Dont pay checking account fees With so many free
checking account plans available, theres no reason to pay a
fee. If the bank happens to charge you one, ask them to
reverse the fee or take your business elsewhere.
Get rid of your home telephone This is a great way to
save money. If you have a cell phone, theres no reason to
keep a land line. If you do decide to have both, consider
reducing your service to the cheapest plan.
Advanced: Reading Discussion
What is the main idea of this passage?
The article provides us with several money-saving tips. In your
opinion, which tip would probably save a person the most money?
What makes it a bigger money saver than the others?
Add at least one tip to the list, and explain
how this would save a person money.
Advanced: Expressions & Phrases
Match the idiom to its meaning
1) Its time for you to get
a job. Im not giving you
anymore handouts.
2) I cant afford to buy a
stereo. Im living hand-to-
mouth.
3) Business is going very
well. Were in the black.
4) Karen won the lottery
and now shes loaded.
5) I keep my nest egg in
the bank where its safe.
a) to have lots of money
b) profitable, making money
c) money given free to a
needy person or organization
d) money someone has saved up
e) having only enough
money for basic living
Advanced: Question Formation
1. Im getting ready
to go to the bank.
2. Carl pays $700 in
rent every month.
3. Your checkbook is on the table.
4. Our mortgage payment
is due this Wednesday.
5. I dont know my credit score.
Form a question based on the response
Ex: How much money would you like to deposit?
Present Perfect Form and Use (#0122)
Practice Present Perfect Forms (#0123)
Use of Gerunds and Infinitives (#0130)
If-Clauses and Future Tense (#0133)
Proper Sentence Structure (#0157)
Stressed and Unstressed Syllables (#0175)
Advanced: Related Lessons
Credits
baconsrebellion.blogspot.com
faqs.org
wangjianshuo.com
rants.org
hypocriticalirony.blogspot.com
prepaidvirtualcreditcards.com
thecurrent9171787.blogspot.com
blogs.desmoinesregister.com
cs.dartmouth.edu
venturebeat.com
fjhs.ednet.ns.ca
pensionriskmatters.com
retirementsavingsnow.com
prlog.org
cyberpartygal.blogspot.com
bpgrp.com
yucatanliving.com
dreamstime.com
midwestchildcare.org
http://www.jupiterimages.com/Image/royaltyFree/103919659#Header
econmatters.com
http://www.offthemark.com/cartoons/nance/
Photos
Content
http://www.doughroller.net/smart-spending/51-painless-money-saving-tips/
http://www.learn4good.com/languages/evrd_idioms/id-m.php3#chip in
http://www.wisebread.com/64-funny-inspiring-and-stupid-money-quotes-from-
famous-people
dreamstime.com
http://www.mindspring.com/~cpainnorcross/
http://www.ehow.com/info_7982441_benets-consolidated-credit-counseling-
service.html
http://www.securityservices.net.au/Safes.htm
http://tnessanddefense.com/atm-safety/
http://news.carrentals.co.uk/260-million-spent-by-brits-at-atms-34256592.html
http://www.sophisticatededge.com/how-to-write-a-check.html
http://www.visualphotos.com/image/1x7462777/person_opening_safe
http://www.child-care-business.com/child_care_prices.html
http://216.54.19.111/~mountaintop/log235_new/scopage_dir/bca1/bca1_elo2.html
http://www.sxc.hu/photo/1035690
http://socialmoms.wpengine.netdna-cdn.com/wp-content/uploads/2011/09/credit-
card.jpg
Disclaimer/ Descargo de responsabilidad
This is the complete content for the lesson. It includes
beginner, intermediate and advanced slides. The
experience during each live session will vary
depending on the level of the class and not all slides
will be covered.
Este es el contenido completo de la leccin. Se
incluye diapositivas bsicas, intermediarias y
avanzadas. La experiencia durante cada sesin en
vivo variar en funcin del nivel de la clase y no todas
las diapositivas sern cubiertas.

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