I06 - Unit 3 MoneyMatters

Tell me what the expression is

• What are some of the things that you regret doing in your life?
• What would have happened if you had done things differently?

used to say that something is very annoying

said when you're annoyed with yourself because you've realized you made a mistake or missed a chance

used to emphasize that you're being very honest

used to emphasize that you already know and agree with something that someone has just said

used to say that someone is fortunate

• What did he buy?
• How did the friend find out about her friend's latest purchase?
• Is the buyer satisfied? Why?
• What does he regret?

Rewrite the sentences using the inverted form

Describing spending habits

1. They would have bought the house if they had been able to afford it.

2. If you had offered them $15,000 more, they’d have taken it and you’d have a house!

3. Jill and Sam would have known what repairs the house needed if they had arranged for an inspection.

4. If they had known about the fundraiser,

they would have made a donation.

5. If I had not played so badly, I could have won that match this afternoon!

Money Talks

1. “Jim will spend two hours looking for a restaurant that gives free bread. I can’t believe he is _____.”

2. “It’s not hard to be _____; you just have to spend a little less and save a little more.”

3. “Whenever Jeremiah goes into a record store, he comes out with four or five CDs for himself. He’s _____.”

4. “My uncle is so _____ he won’t even buy ice cream for his own children.”

5. “Jeanne always shares whatever she has with everyone. She’s the most _____ person I know.”

6. “They are all saying I’m a _____ just because I said that I would rather walk than pay for parking.”

7. “Elena was _____, always buying the best of everything and never caring about the price.”

8. “Richard learned to be _____ when he was a student without much money. It was a valuable lesson.”

9. “It’s your turn to buy dinner for everyone. Don’t be _____.”

What is Steve having problems with?

Does he earn a good living?

Does he put something away for a rainy day?

What does Lara recommend about loose change?

Is Steve maxing out on his credit cards? Does he pay on time? Has he been drowning in debt?

What does she tell Steve to do with his credit cards?

What does Steve need to do to keep his head above water?

What does she mean by "Steve should treat himself once in a while"?

regrets

the money that you earn from working or that you receive from investments

Taught my kids to do stuff more.

spend less money than you have

Rewrite using the inverted third conditional

rely on

Getting involved with the wrong group of friends when I was younger.

a person's level of intelligence based on a standard test

Working so much at the expense of family and friendships.

Living the life that my parents wanted me to live instead of the one I wanted to.

a bank account in which you keep money you want to save

1. I wasn't thirsty. I didn't drink the lemonade.

2. I didn't know Kirsty was in town. I didn't call her.

3. I didn't know watching this documentary was important for our exam. I didn't watch it.

4. I walked home from the disco. My friend was too drunk to drive.

5. I didn't go to the store. I thought it closed at 5pm. It closed at 6pm.

6. I ate the yoghurt in the fridge. I thought it was mine, not yours.

7. I am really hungry now. I didn't have any breakfast.

8. I didn't see Tony at the party. I wanted to speak to him about his vacation in France.

stay current with

• Is money important for you to be happy? Why?
• Have you ever saved money to buy something? What was it? What did you do?
• What is something that you would like to buy? How are you going to get it?

a plan of how to spend money

Not taking care of my health when I had the chance.

Comprehension Questions

1. What award reflects Newman’s success as a philanthropist?

2. Why did Newman agree to put a picture of himself on his salad dressing label?

3. What kind of organizations did Newman make contributions to?

4. How much has Newman’s Own, Inc. contributed to charities since 1982?

5. How do the Hole in the Wall Gang Camps help children with life-threatening illnesses?

6. How much do children need to pay to attend the Hole in the Wall Gang Camps?

7. What did Newman think about generosity?

Critical Thinking Questions

1. What did Newman mean by “Those who are most lucky should hold their hands out to those who aren’t”?

2. What did Newman mean by “I’m not running for sainthood. I just happen to think that in life we need to be a little like the farmer who puts back into the soil what he takes out”?

• Do you live within your means or beyond your means? Why do you say that?
• What habits would you like to change, if any?
• What can you do to raise your financial IQ?
• What are your short-term and long-term financial goals?

• What did Judy buy?
• Did she pay in cash or by credit card?
• Is she rich?
• How did she save enough money?

Think of different ways to say these expressions

• Did you suddenly make a lot of money to get that luxurious car?
• I'm up to my ears with debts. My bills are impossible to control.
• If I want to buy a new house, I need to spend less than I earn.
• I'm saving all the money that I used to spend on unnecessary things. This way I'm reducing my expenses.

Express the buyer's remorse

1. We should have purchased an extended service plan for the photocopier.

2. I should have bought a smaller new car.

3. We should have asked the company to provide training for the new phone.

4. We should have paid the delivery person to assemble the bed.

Complete the sentences with the correct form of the verb

5. I never should have bought it. I'm too busy to use the home exercise equipment.

Complete the sentences using the inverted form of the past unreal conditional

1. By this time next year, she plans _____ all her credit cards. (pay off)

2. We hope _____ our own home someday. (own)

3. By the end of this month, I _____ enough for my trip to New Zealand. (save)

4. Once they both _____ good jobs, they'll get married. (find)

5. If _____ the trip would be so expensive, he wouldn't have agreed to go. (realize)

1. _____ (realize) the restaurant would be so expensive, I would have gone to a cheaper one.

2. _____ (know) there would be a shipping charge, I wouldn't have ordered the books online.

3. _____ (do) more research, they would have found out about the cars poor safety record.

4. _____ (read) that the movie would be out on DVD next week, we wouldn't have paid to see it in the theater.

5. _____ (be/tell) that the battery would only last two hours, I would have bought a different laptop.

6. _____ (be/advise) there would be so many service charges, I wouldn't have opened an account at this bank.

the opposite of stingy

a rich person who gives money to help people who are poor or who need money to do useful things

a plan that shows expected income and expenses

someone who spends money carelessly, especially when he or she doesn't have a lot of it

all the money you haven't spent

Perfect Infinitive

Future Perfect

I hope to have found a job by Christmas.

Third Conditional

I will have finished making lunch by noon.

Present Perfect in adverbial clause

Yeah, I bought it about a month ago. - I've only used it once. - Well, to tell you the truth, I could kick myself. - It was. My spending is totally out of hand. I have to cut back! - Yeah. Had I known it would just sit around collecting dust, I wouldn't have bought it.

Had I saved money, I would have bought a laptop.

After I have finished my homework, I will watch TV.

Third Conditional

Perfect Infinitive

Had I eaten healthily, I wouldn't have gained weight.

Third Conditional

I expect to have graduated from university by 2020.

Had the weather been sunny, I would have gone to the beach.

using money carefully and wisely

Perfect Infinitive

Yeah, I bought it about a month ago.

Future Perfect

I plan to have gotten my driver's license in two months.

Some companies make charitable donations to get _____ or advertising.

come back

improve

Well, to tell you the truth, I could kick myself.

I will have improved my English by the time I come back from the United States.

A: Wow, that looks like a really nice espresso maker! Is it new?

B: __________

A: How do you like it?

B: __________

A: What do you mean?

B: __________

A: Really?

B: __________

A: It looks expensive.

B: __________

an organization that gives money, goods, or help to people who are poor, sick, etc.

I've only used it once.

General Future Plans

Some people make charitable donations to satisfy _____ beliefs.

Yeah. Had I know it would just sit around collecting dust, I wouldn't have bought it.

The Perfect Infinitive

hope - expect - plan - intend

to have + verb past participle

all the money that you owe

It was. My spending is totally out of hand. I have to cut back!

Sasha plans to retire and move someplace warm.

used to express an action which will or might take place before a specific time in the future

Credit cards allow many people to live _____ their means.

We don't expect to see him again.

My plan is to have bought a new car by Christmas.

I hope to have finished by noon.

We hope to pay off our debt in the near future.

Yuan intends to earn enough money to support a family.

He intends to have settled down by the time he is thirty-five.

Finished Future Action

Yuan intends to have earned enough money to support a family by the time she gets married.

Future Perfect

will + have + verb past participle

used to indicate that an action will be concluded by a specific time in the future

By next November, I will have received my promotion.

You will have perfected your English by the time you come back from the U.S.

By the time we finish this course, we will have taken twenty tests.

1. Which structure do you use when you want to express general future plans?

a. verb + the infinitive b. verb + the perfect infinitive

2. Which structure do you use to express an action that will or might take place before a specified future time?

a. verb + the infinitive b. verb + the perfect infinitive

3. Use ____ to distinguish between a completed future action and one that will follow it.

a. the future perfect b. the present perfect in an adverbial clause

4. Use ____ to indicate an action that will be completed by a specified time in the future.

a. the future perfect b. the present perfect in an adverbial clause

Finished Future Action

Present Perfect

have / has + verb past participle

used in an adverbial clause to distinguish between a completed future action and one that will follow it

When I´ve bought my new car, I’ll drive to beach by myself.

My sister is going to get her own house once she has saved enough money.

After we've gotten married, we will buy an apartment.

Correct the errors.

1) By January, Sophia plan to has pay off all her debts.

2) Once I will have completed my studies, I get a job.

3) My expectation is have finish my own house in one year.

4) Ines am going to buy some groceries when she have received her salary.

5) By the time I return to my country, I am away from home for more than three years.

6) She intend having her own company by the age of twenty-five.

7) By this week, I have will read this entire literature book.

8) When you had finished your work, you would go to pick your sister up

My Financial Goals (150-200 words)

What is the short-term financial goal of the writer? How is he/she thinking about in getting it? What is the time that he or she has set for it?

What are the steps in getting the long-term financial goal? What is the time set for that goal?

Self-check

• Is the introduction attractive and the purpose of the writing established?
• Is the conclusion summarizing what was intended to be written?
• Is the writing organized in paragraphs, each with a topic sentence introducing it.?
• Were time order words used to clarify the events for achieving the goals?
• Is the grammar used according to what was learned in the unit?

Unit 3 Money Matters