Self-study 1 Task Fill in the blanks with an appropriate answer
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SELF STUDY (1)
- Bu sahifa navigatsiya:
- Task 4.4. Speaking.
- Task 5.2 Read and write the summary to the given text Money
- Task 5.3. Letter writing
- Task 5.4. Speaking.
- Task 6.2. Read and write the summary to the given text Commercial banks
- Task 6.3. Letter writing
- Task 6.4. Speaking.
- Task 7.2. Read and write the summary to the given text Structure and Functions of an English bank
- Task 7.3. Letter writing
- Task 7.4. Speaking.
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Task 4.3. Letter writing You have seen an advertisement in an English newspaper for a job working in the City Museum shop during the holidays. You decide to apply for the job. Write a letter to the director of the Museum. In your letter: • introduce yourself • explain what experience and special skills you have • explain why you are interested in the job • Begin your letter as follows: Dear Sir or Madam, Task 4.4. Speaking. “What is private and public enterprise?” Self-study 5 Task 5.1. Fill in the blanks with an appropriate answer 1. An Englishman very seldom ... on the Underground. He prefers to read newspapers. a) talk c) is talking b) talks d) has talked 2. If you ... with the traffic regulations, you will get into trouble with the police. a) aren't complied c) don't comply b) won't comply d) wouldn't comply
b)know d)knew 4. Whose horse you ... when I saw you yesterday? a) were riding c) was riding b) did ride d) rode 5. Do you know the time? It ... to me it's about two o'clock. a) seem c) seemed b) seems d) will seem 6. Tom met me at lunch time and said, "I ... you at the bus stop this morning". a) haven't seen c) didn't see b) not seen d) hadn't seen
a) are built c) had been built b) were built d) have been built
a) made c) will make b) has made d) is making
a) arguing c) had argued b)argue d)is arguing
a) was raining c) rained b) had been raining d) has been raining 11. She ... him your message as soon as she sees him. a) give c) will give b) gives d) gave
a) am followed c) followed b) was followed d) was being followed 13. ... you remember what you were doing at this time yesterday? a) can c) must b) may d) should 14. We moved last week and now we have a much ... flat. a) good c) best b) better d) the best 15. The Mediterranean is not as ... as the Pacific Ocean. a) larger c) largest b) large d)the largest 16. I didn't expect to see him there. He was ... last person I wanted to see. a) the с) а b) - d) one 17. I didn't know ... answer to that question, so I left it out. a)the c) an b) - d) no 18.1 don't go swimming very ... nowadays. a) many c) few b) much d) a little 19. Excuse me, there is ... I'd like to ask you. a) anything c) something b) everything d) none
b) by d) in Task 5.2 Read and write the summary to the given text Money You have to go back a long way in history to find a time without money a time when there was no money. People exchanged goods and services for other goods and services. This system is still called barter, and some people still use only this system. They exchange goods and services with one another by bartering. In the middle Ages, the serfs, or people who worked the land, had a barter system. The serfs exchanged their labor for housing and food from the landlords. Bartering, however, is awkward because everything has to be just right to make it work smoothly. Somebody that you know has to have something that you want and be willing to trade it for something that you are willing to give up. Bartering has other drawbacks, too. There is no common standard against which to measure the exchanges. Another problem with bartering that many items cannot be easily divided. Money is better than swapping for a number of reasons. In the first place, money is accepted by people in exchange for goods and services. Therefore, it serves as a medium of exchange. Before it can do that, however, it has to be accepted by the people in the society. They have to believe in its value or it won't become a medium of exchange. Paper money and coins, which together are called currency, are common form of money. They are a medium of exchange in most countries because they are accepted for their value. You will accept paper money or coins for your work, for example, in a sports equipment store. A second reason why money works better than bartering relates to value in a cave society, jewelry was not considered as valuable as tools. How do you determine what the jewelry is worth? That's where money can be very helpful. In determining the value or worth of one thing in relation to another, money becomes a standard of value. The jewelry is worth so much money. The tools are worth this much money. Money has become the common standard of value. And it's much easier to compare values by looking at price tags than by comparing one item to another. There is a third important function that money serves, which bartering cannot. In some tribal societies, cattle were swapped for other things. But cattle grow old, and as they grow old they are usually worth less. Eventually, they die. It wouldn’t be very useful, then, to save cattle as a means of increasing your future purchasing power. Money, on the other hand, can be stored or kept for later use. It has a store of value. By itself it is worth something. It can increase your worth or value. To be used as money, an item must be scarce. If the supply of an item is unlimited, or overly plentiful, it loses its value. Thus, it could not very well serve as money or as a story of value since it would have little worth. People would lose faith in its value as a medium of exchange. Coins and paper money serve well enough. They are convenient and long- lasting or can be easily replaced. They help to make and keep money valuable.
A letter of complaint. Focus on the most important facts. Don't give unnecessary background information. Make sure you include: the reason for writing (e.g. I am writing to ...) what went wrong what you would like to happen now. Complaint letters are usually written in a formal style. Use passives to be less direct and more formal, e.g. I was served quickly. Use Yours faithfully to sign off if you don't know the name of the person you're writing to. Begin your letter as follows: Dear Sir or Madam, Task 5.4. Speaking. Can everything be bought for money? Self-study 6 Task 6.1. Fill in the blanks with an appropriate answer 1. There ... several groups of people in Britain that try to protect the environment. a) is c) was
a) are c) have been b) were d) is
a) shall lie c) will be lying b) lie d) was lying
a) have made c) had made b) made d) had to 5. Jim told me that he ... in the school basketball team. a) plays c) will play b) had played d) is playing 6. Some birds, such as parrots, ... alive and sold as pets. a) catch c) will be caught b)caught d)are caught
a) do c) did b) does d) will do 8. The boy ... a bicycle along the motorway when he was hit by the car. a) ride c) has been riding b) rode d) was riding
b) took d) will take 10. As soon as the traffic ... the children ran across the road. a)stop c)stopped b) had stopped d) will stop
a) are waiting c) do wait b) did wait d) have been waiting
a) could c) must b) need d) had to
a) must c) could b) may d) should 14. The more you work the ... you'll pass your exams. a) good c) best b) better d) the best 15. In Britain you officially become ... adult on your eighteenth birthday. a) the c) - b) an d)a 16. What plant does your father work at? - He works at ... plant down the road. a) a c) - b)the d)those 17. Shall we have ... dinner today? - Don't worry, at the end of the conference they will serve a dinner. a) - c) the b) a d) an 18. Whose spectacles are these? - ... are on the table, and these are my spectacles. a)your c) our b) yours d)their 19. Most visitors to Britain aren't used to driving ... the left and have a lot of problems. a) to c) in b) at d) on
a) in c) at b) by d) for
A bank is a business. A bank doesn’t have a product. It sells many different kinds of services, all involving money in one way to another. And a bank makes a profit, too, on the services it provides. A commercial bank is a bank that provides a wide range of banking services. As a matter of fact, it is often called a full-service bank. As its name suggests, a commercial bank is a business, and in many ways starting a bank is like starting a corporation. People decide that a bank is needed in a particular area and then apply for a charter. The charter can be granted by either the state or the federal government. If the charter comes from the federal government, the bank is a national bank. It must have the word national in its name. Banks whose charters come from state governments, however, need not contain the word state in their names. The most obvious services such a bank provides are savings and checking accounts. One of the primary services of a bank is the acceptance of deposit, or sums of money placed in accounts. The bank then is the keeper or guardian of the people's money. There are two kinds of deposits. One is the kind you put into a checking account. A checking account deposit is called a demand deposit because you can get the money in your account right away, on demand. In fact, it is almost like having currency. But instead of your carrying all of it around, a financial institution keeps your money and pays it out as directed. You deposit money in the account and then write checks, or demands, against the deposited money. Later the bank subtracts the amounts written on the checks from your account when the checks are presented to the bank for payment.
A third major service of banks is to make loans, which are a primary source of income for them. The borrowers who receive the loans must pay an interest charge, which is like a rental fee, for the money. The interest earned on loans goes to pay bank costs and expense - and to earn a profit. But there are other services. Some banks provide financial advice to their customers. Banks also provide locked vault boxes for customers to store valuables. Sometimes people want a special program for investing money or handling their property. A bank's trust department provides the services of advising on and managing such programs. There are a variety of other services commercial banks provide. They sell government bonds, loans of money to the government on which interest is paid to the owner. In addition, banks sell traveler's checks, which are special checks used instead оf money. They also issue credit cards, such as VISA and MasterCard, and provide links to brokerage firms for the buying and selling of stocks and bonds.
A letter of complaint. Focus on the most important facts. Don't give unnecessary background information. Make sure you include: the reason for writing (e.g. I am writing to ...) what went wrong/ what you would like to happen now. Complaint letters are usually written in a formal style. Use passives to be less direct and more formal, e.g. I was served quickly. Use Yours faithfully to sign off if you don't know the name of the person you're writing to. Begin your letter as follows: Dear Sir or Madam,
1. My mother is ill. She will stay in bed until she ... better. a) get c) will get
a) spend c)spent b) had spent d) was spending
a) wait c) waited b) am waiting d) had been waiting
b) don't repair d) were not repaired 5. In two years' time my parents ... for twenty-five years. a) will be married c) are married b) will have been married d) have been married 6. They said they would not work after 6 p.m. if you ... them overtime. a) won't pay c) didn't pay b) don't pay d) not pay 7. When I ... her, I waved her, but she didn't noticed me. a) had seen c) see b) saw d) have seen 8. Where were you at about three yesterday afternoon? -Oh, I ... my car at that time. a) was repairing c) had been repairing b) repaired d) had repaired 9. My sister will not finish medical training until she ... twenty-tree. a) will be c) have been
a) will achieve c) will have achieved b) achieve d) will be achieved
b) had been d) was 12.1 decided to have some English lessons so that I ... practise when I come to the US. a) can c) may b) must d) should 13. If you telephone early next week, the secretary ... give you your exam results. a) must c) may , b) can d) will be able to
a) far c) behind b) nearly d) in front of
b)a d) –
a) - c) an b) the d) this 17. The government is going to provide ... houses for homeless people. a) most c) few b) much d) more
a) anything c) nothing b) something d) everything 19. Prices go up and up. Everything gets ... expensive. a) most c) more b)least d) less
a) with c) without b) out d) by
The English commercial banks have branches in all the major towns and a similar structure and mode of working is common to them all. The owners are the shareholders. At the outset they provide the necessary capital. They are all organized on the joint stock principle and are registered public companies. The Chairman and Board of Directors are elected by the ordinary shareholders at the Annual General Meeting and are responsible for the efficient management of the bank. The Board is concerned with the overall policy of the bank and the major decisions which put that policy into effect. The Board will appoint a Managing Director who is directly responsible to them and a member of the Board. They will also appoint the most senior executives who in turn appoint the rest of the clerical staff who will be responsible in different-capacities for the day to day running of the bank. The essence of a bank's activities is the collection of deposits through current accounts and deposit accounts and the use of these funds to provide loans or funds for investment. The current account is the one commonly held and is drawn upon by cheques and standing orders. The deposit account is more in the nature of a savings account. The pattern of investments which a bank decides upon is crucial because, on the one hand, the bank must use the funds wisely to make a profit and, on the other, funds must be available for depositors to withdraw when they wish to do so. At the end of each business year the Directors recommend and the Annual General Meeting decides how much of the profit should be distributed to the shareholders as dividend, and how much should be retained in the business. In preparation for the Annual General Meeting, a bank publishes its Report and Accounts. These must be sent every shareholder and are also available for anyone with an interest in the affairs of the bank. From the published accounts shareholders can easily determine the total profits the bank has earned and how much is available for distribution. Task 7.3. Letter writing Every year, two scholarships are offered to candidates from overseas who can show how our one-year course would help their career. Scholarships cover fees, accommodation and food, but not transport or personal spending money. – say why you are writing and what you are responding to (e.g. an advert, a prospectus). – begin Dear Mr Johns/ Dear Ms Jones etc. if you don’t know the name of the person write Dear Sir/ Madam -say which job you’re applying for – say where you saw the advert ( you can invent a newspaper and/or date if you need to) – briefly describe you/ your situation ( you can write about: Where you come from/ Knowledge of the area / Training/qualifications / Previous experience / Other skills (e.g. computers) / What kind of person you are) – organize your application so that you mention each of the areas in the advertisement.
a) lose c) losing b) lost d) have lost 2. She took this decision after she ... to the manager. a) spoke c) had spoken b) was speaking d) would speak
a) was feeling c) feel b) have been feeling d) had been feeling
a) awarded c) will be awarded b) was awarded d) is awarded 5. I'm going to see ... of this city. a) the sight c) a sight b) the sights d) sight 6. ... teachers have complained about his behaviour at school. a) much c) some b) the most d) any
a) - c) an b) a d) the 8. Nobody nowadays thinks that women ... just stay at home and look after the children. a) are to c) might b) has to d) should
a) at c) on b) with d) by 10. I think that we are not making as ... profit as we should do. a) much c) little b) many d) few 11. "I ... a convincing explanation of your absence yet", the teacher said. a) not hear c) haven't heard b) don't hear d) hasn't heard
a) get c) would get b) gets d) is getting
a) am c) has been b) was d) have been
a) have decided c) decided b) had decided d) decide
a) ask c) will be asked b) will ask d) asking
a) - c) the b)a d) an
a) not c) neither b) none d) no
a) doesn't have to c) might b) can't d) am not to 19. The tourists were not aware ... the danger of bandits in the hills. a) in c) under b) of d) during 20. She has ... smile I have ever seen. That's what attracts people to her. a) beautiful c) the most beautiful b) more beautiful d) less beautiful Download 60.22 Kb. Do'stlaringiz bilan baham: 
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