nic -\ \ We'll haveto take a e e k deposit right away. Look at the pictures. What are Vic and Barbara talking about? ©Oh ro! Viel Those cl are going to bou! Welll have to make right. away, looks like three checks for about ... $800. Sorry. | ot ta tell you ‘Comprehension: Understanding Meaning from Context Circle the choice closer in meaning to each underlined phrase or sentence. We're short $: a. We have an extra $125. We need $125 more. 2. If we don’t start saving some money, we won’t be able to go to Canciin next spring. , putting some money in the bank b. spending our extra money ‘Those checks are going to bounce! a, Those checks will go to the wrong b. We don’t have enough money in the bank. bank for the checks. 4, We'll have to make a deposit right away. a. write more checks b. put money in the bank VU call and do an electronic transfer. @. We'll put money in the bank by telephone. —_b, We'll change banks. We'us Have TO wake A DEPOSIT atcHtT awa. 123SOCIAL ANGUAGE AND GRAMMAR 1 W TO talk about future abilities and obligations/ ask someone for money ‘The future of cam is will be able to. ‘We won't be able to go to Canciin next spring. Will Lbe able to get cash? The future of have to is will have to. ‘We'll have to make a deposit today. @ Look at the pictures. Say each word or phrase. EES se acheck a traveler'scheck a coin e $ @ an ATM card a savings account abank balance —_a credit card Grammar in a Context Complete the conversations with will be able to or will have to and the indicated verbs. Use contractions if possible * Money and Banking Conversation 1 Mary Pinte: [ have good news and bad news. The good news is that the bank you money. 1 be ble ond Vie: That's great, Mary. ‘2. we / be able / get the full amount? Barbara: Uh-oh. What's the bad news? 124 unr 10Mary: Well, I'm afraid we you as much as you asked for. ‘3. nol be ble Tend Vie) Why not? Mary: Well, you owe a lot on your credit cards. You some of “4. have to / pay off that debt first. If you can do that, we'll lend you what you asked for. Conversation 2 Mary: OK, Tim. Your account's open, and here's your ATM card. _ it 5. You / beable / we starting tomorrow. And here are your traveler's checks. You just need to sign them on the top line, Where are you going on your trip? ime: Brazil. I'm in a summer exchange program. . .. Uh, ___ my 6.17 te able 7 os ATM card if I need extra cash? Mary: In some places, yes. But - an extra charge because you'll be you 7 hove to / pay out of the country. Now you know how to talk about future abilities and obligations. @ Read and listen to the conversation. ‘A: Want to have lunch? Br Yeah, I'd love to... . Uh-oh. | don’t have any cash on me, Could I borrow $20? As Sure B: I won't be able to pay you back till Friday. Is that OK? ‘A: No problem. @ Usten again and practice. We'te nave ro sane a Derosrr aoa awar, 125(Wetabotary + Social Activities @ Look at the pictures. Say each phrase. go out for dinner go out for a drink go toa game [Pair Practice Practice the conversation and vocabulary with a partner. Use your own words. A: Want to? B: Yeah, I'd love to. ... Uh-oh. I don’t have any cash on me. Could | borrow ? B: I won't be able to pay you back till _ - Is that OK? Now you know how to ask someone to borrow money. i Look at the second picture on page 133. Create a conversation for the two men. Use your own words. 126. Uxrr 10<2 Your partner asks to borrow some money from you. You are not sure that you want to lend it. Improvise a conversation. Give a reason why you can’t lend the money. Then change partners. This time you ask to borrow money and your partner agrees. Example: Gee, I'm really sorry. don't have any cash on me. With a partner, discuss these questions. Compare your opinions. Is it hard for you to lend (give) money to other people? If someone asks you for money, do you usually say yes? Is it hard for you to borrow (ask for) money from other people? nunciation /v/ and /b/ @ Read and listen to the following words. Wi /o/ vest best ae berry saver : saber i) = Gey @ Usten again and repeat. @ Now listen again, Circle the words you hear. 1. vest best 3. saver saber 5. vote boat 2. very berry 4. gave Gabe We’ nave To Make A pePostT aicHT AWAY, 127CF Ie Money Game (reinforces questions and answers) Play in groups of three: two players and a judge. Use two coins as place markers. Take turns. Toss another coin to move. One side of the coin lets you move one space. The other side lets you move two. © take another turn. Judge, the answers are on page 146. @® Woo buy sorting and py 18 marks. Who country are you in? If you land on a space with a question, answer the question. If your answer is correct, What the ‘monetary unit of Spin? ® tow mary penis ‘there in o British pound? (BP How many dines are there ino U.S. dolla? (GO) tow many centimes ae there ino French ED Vou buy someting cand pay 900 yen. ‘What country are youin? Nome three counties where the ‘monetary unit the peso. (1B) Yoo jst made ip from one county ‘another. You want to honge won ina yuan What county dd you come fom? GD) You hove ol your _loys in a savings xcout Wha country axe youn? 128 Uwir 10 (BD Hany yrs ag your portal ois country ond brought back same ris. You gotothe same cou, bt nw the roneary aii the reo. What cout? }BD Nome tree cours where the ‘monetary unit is the dollar.@ Vic and Barbara are on vacation in Mexico. Listen to this phone call. Mark the following statements true or false. ‘True False 1. The bank is calling Vic and Barbara. go Oo 2. Vic and Barbara want to know today’s date. go o 3. Vic and Barbara want to speak to a representative. oO oO 4. The information in the call is about money and credit. o o Look at the chart. TODAY's DATE CHECKING ACCOUNT BALANCE SAVINGS ACCOUNT BALANCE CREDIT CARD BALANCE AVAILABLE CREDIT @ Listen to the phone call again. Focus your attention on the numbers you hear. Fill in the information on the chart. Wee Have TO MAKE 4 DEFOSET atGtEr AWAY 129SOCIAL ANGUAGE AND GRAMMAR )W TO exchange currency Udy @ Read and listen to the conversation. uD) Lf : ST) A: May I help you? B: Yes. I'd like to change some traveler's checks into US. dollars. A: All right. How much money would you like to change? B: What's today’s exchange rate? Az Let's see. Oh. It’s 7.9 today. B: OK. I'll change $200, please. ‘a: Can I see your passport, please? @ Listen again and practice. Practice the conversation with a partner. Use your own words. A: May [help you? B: Yes, I'd like to change some into All right. How much money would you like to change? at's today’s exchange rate? As Let’s see. Oh. It's today. B: OK. I'll change please, ‘Az Can I see your passport, please? Now you know how to exchange currency. 130. Unir 10ding ‘A Magazine Article Before You Read: What is money? What kinds of money do you use? Read the article. @) Is Cash on the Way Out? by Andrew Chen eople have used “money” for Piirwons of years. But what is money? When we think of money today, we most often think of cash: coins and paper bills. But this hasn’t always been true, Humans have used (and still do use) other things to pay for goods and services, ranging from beads and other valuable things to bartering—trading goods and services for other goods and services. Today, however, it looks like cash is starting to disappear. More and more, we're replacing cash with electronic money. We're using credit cards and ATM cards instead of coins and bills. The reason for this change is probably our global culture, our financial interdependence— from region to region and country to country. And it’s so convenient to go shopping by telephone or by computer screen, buying things we've never seen from stores we've never visited. Distance is meaningless in cyberspace. ‘The movement away from cash to other kinds of money has its advantages and disadvantages. Traditional money is real. It's easy to pay with cash for a movie or for an ice-cream cone on the street. It's faster than writing a check or using a credit card. And the payment happens all at once—no bill will come later in the mail. The best thing of all, though, is that cash can’t “bounce.” On the other hand, money is bulky. Coins are heavy and make holes in our pockets. Some people don’t even like to handle money because it is dirty and covered with germs! But most of all, it's inconvenient for things that cost a lot. Imagine trying to buy a car with cash. How much easier it is to just take out a credit card or write a check. Whether we like it or not, the trend is clear: We're going to see less and less cash. in the future. WE'LL HAVE TO MAKE A DEPOSIT RIGHT Away. 131‘Comprehension: Understanding Meaning from Context Gircle the choice closer in meaning to each underlined word or phrase. 1, Humans have used (and still do use) other things to pay for goods and services, ranging from beads and other valuable things to bartering—trading goods and services for other goods and services. . paying with money b, exchanging items or services 2. On the other hand, money is bulky. @. big and hard to carry . small and easy to carry 3. Some people don’t even like to handle money because it is dirty and covered with germs! @. touch b. pay with 4. Whether we like it or not, the trend is clear, @. cash b. direction Distance is meaningless in cyberspace. a. computer communication b. stores ‘Comprehension: Drawing Conclusions Which of the following statements are true? Place a check mark next to those statements. (1. Cash is a convenient method of payment if we want to buy a computer. (2. In the past, regions were not so dependent on each other. (3. Today it is impossible to buy things from stores that are far away. (4. Sometimes cash is better than electronic money. jing A Composition Write a composition of two paragraphs Example: about the advantages and disadvantages of credit cards. In the first paragraph, write about the advantages. In the second paragraph, write about the disadvantages. Use Chen's article for ideas and examples from your experience. Begin with a title. 132 Usrr 10 The Advantages and Disad vantages OF Credit Cards _ Credir cards have made my Whe easier in many ways. Frat tIn Your CD Warm up: Talk about this picture with a partner. '* Where are the men at 4:55? * What day of the week is it? Words * Where do they go? * What happens there? * What do they want to see? * Where do they go after the movie? Then: Create conversations for the men. OR Tell a story. Say as much as you can,