1 UNIT 5. 2 Break the Ice Task I Listen to the audio. Circle the words you hear in the box below....

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UNIT 5

2

Break the Ice

Task I Listen to the audio. Circle the words you hear in the box below.

tuition snacks rent scholarship

income budget transportation groceries

salary entertainment expenses electronics

manage

p.3

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Break the Ice

Task II Use the words from Task I to fill in the chart.

Word Definition

1. budget an amount of money available for spending

2. fun activities

3. traveling from one place to another

4. fees for school

5. money from work

6. food and other household supplies

7. any money you receive

8. monthly payment for housing

entertainment

transportation

tuition

salary

groceries

income

rent

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4

Break the Ice

Task III-1 Listen again and fill in the columns. Use the words from the box below.

parents’ help

salary

groceries

rent

tuition

transportation

entertainment

cell phone bill

parents’ help /

transportation /

cell phone bill /

entertainment /

salary /

rent /

groceries /

tuition

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Break the Ice

Task III-2 Chat with your partner.

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1. What is Janet’s main source of income?

2. What is her biggest expense?

3. What does she spend the least money on?

4. How much money does Janet have left each month?

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Break the Ice

Audio Transcripts:

My name is Janet. I’m a second-year student in the Department of Chemistry.

It’s hard to manage on a student’s budget. I never have enough money for my

monthly expenses. My rent is NT$5,000. I buy food at cheap stores, so I pay

NT$2,000 each month for groceries. I don’t have to pay a lot to my school. My

tuition is NT$7,000 a semester, so I put aside NT$1,500 every month. I have to

take a bus every day to get to school. I spend NT$1,000 on transportation. My

parents give me NT$4,500 every month. I also have a part-time job at the

library. My salary there is NT$7,000. I spend about NT$900 on entertainment,

like movies and clubs. My cell phone bill is usually NT$400. As you can see,

student life is tough — I have a small income and way too many expenses!

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Expand Your Vocabulary

A. Class Interview Find a classmate who answers yes to the questions below.

Do you… Classmate

1. save money every month?

2. borrow money from banks or people?

3. buy nice but unnecessary things?

4. have enough money to eat out a lot?

5. plan how to spend your money each month?

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A. Class Interview Match the expressions above with those below. Write the student’s name and share with the class. p.7

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1. T □ F □ John buys luxuries sometimes.

2. T □ F □ John doesn’t have enough money for new

clothes.

3. T □ F □ John gets NT$5,000 each month from his

parents.

4. T □ F □ John has to pay NT$8,000 a semester to his

university.

5. T □ F □ John works full-time at the cafeteria.

6. T □ F □ John makes a lot of money at his job.


B. Listen Up

Listen to the audio. Select whether the statements about John are true or false.

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Audio Transcripts:

John: Hi, MomMother: Good morning, dear. How’s school?John: School is alright. Listen, I have to talk to you.Mother: Are you going to ask me for money again? Johnny, you have to learn to manage your money.John: I’m doing my best. I buy groceries and cook at the dorm. I dress like a homeless person because I can’t afford new clothes. My entertainment budget is zero right now.Mother: Your dad and I are already giving you around NT$4,000 every month.John: I really appreciate your help, but it’s just not enough. My tuition alone is just under NT$8,000 a semester. Mother: Johnny, if you need more money, why don’t you get a part-time job?John: I’ve already got one. I work at the cafeteria part-time. My salary is very low. Mother: OK, dear. I’m going to hang up now. We can talk about this later.

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1. Tanya spends _____________ NT$2,000 on restaurants

every week. (NT$1,900)

When we’re not sure about the exact amount, we use the

adverbs about, around, or approximately. Just under /

over means a little less or more than an amount.


C. Language Tip Fill in the blanks. The real amount is in parentheses. Some blanks may have more than one answer.

about / around / approximately / just under

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2. He paid _____________ NT$300,000 for his car.

(NT$310,000)






about / around / approximately /

just over

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3. I don’t know how much money he makes. It’s

_____________ NT$35,000 a month.






about / around / approximately

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Conversation

Open with default media player

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1. Lucy can’t buy an extra bag; she _____________ has

enough money for just one. (almost not)

2. The students behaved well, so the teacher decided to

_____________ them with candy.

(give something in return for good behavior)

reward unfortunately afford

barely run up wealthy

Dialogue Zone

A. Word Definitions Use the clues to fill in the blanks with the word choices given.

barely

reward

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3. I was hoping for the promotion. _____________, they gave

it to someone else. (sadly)

4. Bill can’t _____________ a new house; he lost his job last

month. (have enough money for)



Dialogue Zone


Unfortunately

afford

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5. We’ll _____________ a huge bill if we order expensive

things on the menu. (increase in debt)

6. Angela’s family is so _____________ that they own a

private jet. (rich)



Dialogue Zone


run up

wealthy

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1. I haven’t seen you for ages.

a. I haven’t seen you for a long

time.

b. I didn’t watch you grow up.

2. I’m totally broke.

a. I’m hurt.

b. I have no money.

Dialogue Zone

B. Meanings in Context Choose the meaning of the sentence in the conversation.

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3. Aren’t your parents well-off?

a. Aren’t your parents still alive?

b. Aren’t your parents wealthy?

4. Their income is pretty modest.

a. They are very humble about their jobs.

b. They don’t make a lot of money.

Dialogue Zone


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5. I want to be financially independent.

a. I want to start my own business.

b. I want to be able to support myself.

6. I live from month to month.

a. I have just enough money to survive.

b. I like to move every month.

Dialogue Zone


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1. Why did Vicky buy the dress?

a. To treat herself

b. Because she is rich

c. As a gift for her friend

d. To try out her credit card

Dialogue Zone

C. Multiple Choice

Circle the answers.

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2. What does Rita spend her money on?

a. Going out with friends

b. Housing and food

c. iPhones and dresses

d. Buying a house

Dialogue Zone

C. Multiple Choice

Circle the answers.

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3. How does Vicky pay for things?

a. She usually uses cash.

b. She asks her parents for money.

c. She has a part-time job.

d. She uses a credit card.

Dialogue Zone

C. Multiple Choice

Circle the answers.

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4. What does Vicky hope will happen?

a. She gets paid a lot of money.

b. She gets lucky and wins the lottery.

c. The bank raises her credit card limit.

d. She spends less money on luxury items.

Dialogue Zone

C. Multiple Choice

Circle the answers.

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Useful Expressions

get by / have a modest income / do alright

is well-off / does well financially / has a nice income

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Useful Expressions

I can afford (to buy) a new iPhone

Renting a nice apartment is outside Bill’s budget

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Useful Expressions

To be frank (with you)

To tell (you) the truth

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Expression Practice

A. Listen for Details

Listen to the audio. Write down their financial situation (good, average, or bad). Also check the appropriate statements about each speaker.

good

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Expression Practice

A. Listen for Details

bad

Listen to the audio. Write down their financial situation (good, average, or bad). Also check the appropriate statements about each speaker.

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Expression Practice

Audio Transcripts:

Speaker 1: Anna

My family wasn’t always well-off. A few years ago, my father

started his own business, and the whole family helped out. In the

beginning, we lived from month to month. However, our business

became famous. We worked long hours at the store and made sure to

offer good products and service. As our reputation grew, we began to

have a modest income. As the business became more successful, we

opened stores in other places. We were able to have a nice, steady

income. Today my family is wealthy. Hopefully, our good luck will

continue.

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Expression Practice

Audio Transcripts:

Speaker 2: Mark

It’s difficult to save money as a student. I work two part-time

jobs, and I still barely make ends meet. I have credit card bills to pay

off, and I have to pay rent. I live from month to month, and I find it

difficult to get by. I save a lot of money cooking at home. Hopefully, I will

have enough money to pay for another semester of tuition. I graduate

next year. My dream is to be able to use this college degree to get a

high-paying job and become wealthy.

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1. Judy and Lydia are planning a(n) ____________.

2. Lydia can’t ____________ to visit a(n) ____________ coun

try. She can ____________ pay for her bus ticket.

3. A train ____________ is within Lydia’s ____________.

4. Judy wants to go ____________ and buy ____________.

Expression Practice

B. Fill in the Blanks Listen to the dialogue. Complete the sentences with the words you hear.

vacation

afford

barely

ticket budget

foreign

shopping souvenirs

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5. Shopping is too ____________ for Lydia. She would like to

visit ____________ instead.

6. Judy has enough ____________ to buy Lydia a(n) ______

______.

7. Lydia is ____________ to pay to eat at a nice restaurant.

8. Judy thinks that ____________ money on vacation can be

a lot of ____________.

Expression Practice

B. Fill in the Blanks Listen to the dialogue. Complete the sentences with the words you hear.

expensive

museums

money

present

able

spending

fun

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Expression Practice

Audio Transcripts:

Judy: Where do you want to go for vacation? I was thinking of visiting a foreign country.Lydia: I barely have enough money to ride the bus. I can’t afford to fly anywhere.Judy: Why don’t we take a train to another city?Lydia: I guess a train ticket is within my budget. What do you feel like

doing?Judy: We can go shopping and buy souvenirs!Lydia: Don’t be ridiculous. Shopping is too expensive for me. Let’s visit museums.Judy: If you go shopping with me, I’ll buy you a present. I have enough money to do this!Lydia: Well, I guess I can afford that. Maybe we can visit a good restaurant too. I think I’m able to pay for a nice meal or two.Judy: Alright! This is going to be fun. It’s not a real vacation until you spend

some money.

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1. T □ F □ Roger has been hanging out with Jack and

Rosie for just two weeks.

2. T □ F □ Rosie looks forward to seeing Roger.

3. T □ F □ Roger is noisy, and he drinks a lot of alcohol.

4. T □ F □ Jack thinks that Roger is a boring person.

Expression Practice

C. True or False

Listen to the audio. Check T if the statement is true or F if it’s false.

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5. T □ F □ Rosie would like to stay at home.

6. T □ F □ Rosie thought Roger was funny when she

first met him.

7. T □ F □ Roger’s jokes upset Rosie.

Expression Practice

C. True or False

Listen to the audio. Check T if the statement is true or F if it’s false.

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Expression Practice

Audio Transcripts:

Jack: Hey, Rosie. Do you want to go out to get drinks with Roger on Thursday?Rosie: Well, to be honest, I don’t really like going out on Thursdays.Jack: That can’t be true. The three of us have been going out every Thursday for the last two months. What’s the real reason?Rosie: Alright. To be frank, I just don’t like Roger. He’s so loud, and he drinks too much.Jack: But I thought that’s why we liked him.Rosie: I’m getting tired of him. Honestly, I wish we could just sit at home.Jack: Frankly, I don’t think you’re telling me everything. When you first met Roger, you told me he was funny.Rosie: OK. To be honest with you, Roger has been rude to me. His jokes were funny at first, but now they’re just annoying.Jack: Oh. Well, a quiet night in sounds good. Let’s do that.

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Grammar Spotlight

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Grammar Spotlight

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Grammar Spotlight

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1. There will be a lot of people there later.

→ _____________________________________________

2. The food is too expensive.

→ _____________________________________________

3. They could take the train instead of driving.

→ _____________________________________________

Will there not be a lot of people there later?

Is the food not too expensive?

Could they not take the train instead of driving?

Grammar Practice

A. Make Negative Questions

Change the statement into a negative question. Do not use contractions.

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4. You should wear a jacket.

→ _______________________________________________

5. She is the most popular student in the school.

→ _______________________________________________

Should you not wear a jacket?

Is she not the most popular student in the school?

Grammar Practice

A. Make Negative Questions

Change the statement into a negative question. Do not use contractions.

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1. Q ___________ these the most delicious burgers ever?

A Yes. They’re quite good.

2. Q ___________ you done enough work for today?

A Yes. I’m really tired.

3. Q ___________ someone driving you home?

A No. I’m just going to walk.

Grammar Practice

B. Fill in the Blanks Complete the negative question.

Aren’t

Haven’t

Isn’t

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4. Q ___________ he there when you went to his office?

A No. I haven’t seen him in a week.

5. Q ___________ you love exploring the outdoors?

A No way. I’m afraid of bears.

6. Q ___________ we not going to the bank?

A No. It’s already closed.

Grammar Practice

B. Fill in the Blanks Complete the negative question.

Wasn’t

Don’t

Are

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Grammar Practice

C. Match Match the question with the most appropriate response.

Question:

____ 1. Aren’t you going to say good-bye?

____ 2. Weren’t dinosaurs huge?

____ 3. Won’t you help me carry my

groceries?

____ 4. Don’t you love panda bears?

____ 5. Isn’t this a beautiful sunset?

____ 6. Wouldn’t you like to go climbing?

____ 7. Shouldn’t the project be

completed today?

Response:

a. Sure. Let me give you a hand.

b. It’s pretty amazing.

c. Everyone loves a cute animal.

d. No. I’ll see her again later.

e. Yes, but we have some

problems with it.

f. Actually, blue whales are

bigger.

g. Maybe later. I’m going to take

a nap first.

d

f

a

c

b

g

e

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Reading

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Reading

Managing money as a student is hard. Students have to pay

for housing, textbooks, tuition, and nights out with friends. If

they manage their assets wisely, though, they can be like

Steven Ortiz. He started with an old cell phone and ended up

with a Porsche!

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Reading

How did Steven Ortiz do this? He simply traded what he had f

or something more valuable. One day, Steven decided to exc

hange an old cell phone on Cragslist.org. He traded his cell ph

one for an iPod, the iPod for a dirt bike, the dirt bike for a com

puter, and so on.

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Steven discovered that people were willing to give unneeded

expensive things for less expensive things. Eventually, he got

a Ford Bronco, and then he used it to get a Porsche! When he

began, he was 15 years old and couldn’t even drive yet. It

took him two years and 14 trades to get to the Porsche.

Reading

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Reading

As a student, you must balance money and time, and

sometimes you don’t have enough of either. Steven Ortiz’s

story teaches us a meaningful lesson: be smart with your

possessions, and you might receive a lot more!

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1. You should put on a coat if you don’t want to

______________ a cold. (have after a time)

2. He still needs to pay his school ______________ for this

year. (money for classes)

housing tuition asset

end up with be willing to balance

Reading

A. Word Definitions

Use the clues to fill in the blanks with the word choices given. Change the word form if necessary.

end up with

tuition

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3. There isn’t enough ______________ on campus, so I live d

owntown. (place to live)

4. That baseball card is really a(n) ______________. It might

be worth a lot more money someday.

(thing that has value)



Reading

A. Word Definitions


housing

asset

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5. As a company manager and a mom, Sharon needs to

______________ work and family. (have both)

6. Many organizations ______________ help needy people.

(have the desire to)



Reading

A. Word Definitions


balance

are willing to

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Reading

B. Synonyms

Match the word in bold with its synonym.

manage wisely

valuable exchange discover

eventually meaningful

possession

property

expensive

trade

find out

important

organize

smartly

finally

p.55

p.56

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Collecting often begins with one 1. ________________ item,

like a doll or baseball card. 2. ________________, a collector

might have hundreds of similar things. People collect

everything from tea bags to vacuum cleaners. These items

are carefully 3. ________________. Their owners need to

4. ________________ decide how to get a new item for a

collection.

Reading

C. Complete the Passage

Use the correct form of the words in bold from B to fill in the blanks.

meaningful

Eventually

managed

wisely

p.54

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For example, they might look for something at a local market,

or 5. ________________ items with another collector.

Collecting can be a very 6. ________________ hobby.

Stamps, baseball cards, and coins have all been sold for

millions. In 2010, one family 7. ________________ a copy of

the first Superman comic book in their house. This

8. ________________ is worth over one million dollars. Do

you collect anything? Maybe you will become rich someday!

Reading

C. Complete the Passage

exchange

valuable

discovered

possession

p.54

Use the correct form of the words in bold from B to fill in the blanks.

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Writing

Task I Read the announcement below and take some notes.

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Writing

Task I Write a letter applying for the scholarship (80-120 words). Use some of the words and phrases in the box below.

studying law. I would love to have the opportunity to study in the US, but

right now I barely have enough money to pay for my tuition here in Taipei.

To be honest, I’m not sure I can afford to finish my course. I’m concerned

about running up too much debt. I would keep a tight budget. I would just

spend money on the necessities. My main expenses would be rent,

groceries, and transportation. I would spend NT$96,000 on rent,

NT$48,000 on groceries, and NT$36,000 on transportation.

Emily, and I’m

Emily

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The End

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1 UNIT 5. 2 Break the Ice Task I Listen to the audio. Circle the words you hear in the box below....

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