WORKING WITH MONEY A . THE FINANCIAL ADVISOR In my job people either come to me or I go to them. This is because most of my clients are working full time and only have the evenings or weekends free. We usually spend a few hours going through money matters and then I work out with the client how best their money can be invested and how to plan for their retirements. I give advice on anything from pension funds to taking equity out of property. In short what I’m doing is advising people how to make their money work for them and provide them with a secure future.
ĐỀ KTRA 1-KỸ NĂNG TỔNG HỢP TEST 1: Read the instruction carefully and the required task PART 2: READING (3p) Read the text WORKING WITH MONEY A THE FINANCIAL ADVISOR In my job people either come to me or I go to them This is because most of my clients are working full time and only have the evenings or weekends free We usually spend a few hours going through money matters and then I work out with the client how best their money can be invested and how to plan for their retirements I give advice on anything from pension funds to taking equity out of property In short what I’m doing is advising people how to make their money work for them and provide them with a secure future B THE DEBT COUNSELLOR The people who usually consult me are often desperate to find a way out of a very difficult and traumatic situation These days I’m seeing more and more people who have overreached themselves and been tempted by easy credit They can’t see a way forward and that’s where I come in My job often involves reassuring people that there are ways out of their problems However, in the course of my work I also encounter people whose lives revolve around spending money that they haven’t got and who are neither willing nor able to change their ways C THE ACCOUNTANT I work in partnership with two other people and we are always extremely busy! We mainly deal with small businesses or individuals who need help with their taxes We calculate their profits (or losses) and advise on what expenses they can claim for Some forms they have to complete look quite complex but for people with our experience they’re really quite straightforward Some of our clients think we should be able to save them enormous amounts of money but we’re certainly not miracle workers! D THE ECONOMIST In my opinion the economy is a fascinating subject and I try to pass this on to my students It’s such a wide subject There are so many influences you have to consider and a successful economist must be familiar with all the markets and current trends As we’ve seen recently with unstable stock markets world wide, predicting how an economy is going to is almost impossible because of all the contributory factors Friends often ask for advice on what shares to buy or sell but unfortunately there are no guarantees in my business and it’s always a big risk! Complete the sentences with the correct person A–D _ is a teacher _ thinks his subject is not straightforward _ doesn’t work office hours _ has some clients that not take his advice _ doesn’t always what his clients expect D D A B C PART 3: WRITING (4p) Write a description of one of your neighbours Use the writing guide to help you Paragraph 1: Say who the person is and how you know him/her Paragraph 2: Write about the person’s physical appearance Paragraph 3: Write about this person’s personality Paragraph 4: Write about any special abilities this person may have and say why he/she is an interesting person to know I live in HCM City and accompany my parents in a medium-sized apartment I have a neighbor named Mr Tuan who lives next door to us Mr Tuan is a highly extroverted man with the look of an adventurer He is around six feet in height and loves to be casual always in his attire I have never seen him wearing any formal clothes even when he attends his office But he is cautious about his hair and regularly combs them with a small hair comb which he keeps always in his pocket Moreover, Mr Tuan is fond of kids as he does not have any kids However, he is a jolly person with a deep voice and is helpful too in many aspects I like Mr Tuan much for his benevolence behavior and his extrovert nature He likes meeting newer people and most of the time I see him talking with people whom he has never met before and once he told me that it is a hobby for him to get familiar with the unfamiliar people in his surroundings Besides, he is the person who understands almost every situation and comes to offer help without any conditions He has helped me too in some of the situations and particularly in my study Whenever he comes to visit us, he asks about my study and if I am in trouble with any of my subjects, especially English, he provides me with the directives to study and in some cases makes the texts and issues clear to me Mr Tuan is truly an adorable neighbor Being an extrovert, he inquiries about the problems of the people and supports them after his ability But sometimes he feels shy when he fails to help the vulnerable and I have seen him apologizing carefully to the people whom he could not help for his inability He also takes as much care as possible to his neighbors and after that scheme, he teaches me sometimes my tough subjects like general math, biological science and English I am grateful to him for his unconditional support Moreover, he sends birthday wishes to all of his neighbors and he also has wished me on my last birthday and presented me with a nice binocular He is the perfect neighbor I have ever seen PART 1: GRAMMAR (3p) Complete the sentences with the present perfect simple or continuous form of the verbs in brackets I (have) this cold since I went swimming last Friday How often (you be) to the USA? I (often wonder) if learning another language would be difficult Where (you stay) for the last few days? What (you do) to your hair? It looks great! How long (you go out) with Freddy? What (you eat)? There are red marks on your shirt 8 Katy and I (know) each other since we were at primary school together have had have you been have often wondered have you been staying have you done have you been going out have you been eating have known ĐỀ KTRA 1-KỸ NĂNG TỔNG HỢP TEST 1: Read the instruction carefully and the required task PART 2: READING (3p) Read the text A HOME OF YOUR OWN? A home of their own is what most people in the UK aspire to these days However, more and more of our older population are finding it difficult to stay in their own homes as the health problems associated with increased age sometimes make it impossible for them to cope in badly designed houses The elderly cannot climb the stairs and if they use wheelchairs, there are often problems getting from one room to another because of narrow doorways, let alone trying to manoeuvre their chairs up and down outdoor steps [1 _] All too often the help that could allow them to remain in their own homes at the end of their lives is not available and these people are forced to move into care homes Here, their needs are catered for but they often feel isolated and away from familiar surroundings and their friends and family In an effort to address this problem the UK government has announced plans that seem, on the surface, to be fairly dramatic [2 _] There will be sixteen such specifications and they include improvements that could significantly affect life positively for the elderly Stairs will have to be wide enough to accommodate stair lifts should the installation of one become necessary [3 _] Electrical sockets and switches in walls must be at a convenient height and all rooms must be large enough for wheelchairs to turn in circles These are only a few examples of what architects and builders will have to take into consideration in the future [4 _] The general idea has been welcomed by many care groups but the practicalities are causing concern in many quarters Not least among those who are worried about the cost of providing new housing [5 _] Members of the House Builders Association feel that the plans have not been carefully thought through and that implementing such specifications, although theoretically laudable, is simply not realistic It is also felt that people have different housing needs at different stages of their lives and forcing all new homes to be built with the elderly in mind is not going to be a popular move Debate on the subject will no doubt continue for a long time yet! COMPLETE THE TEXT WITH SENTENCES A–F THERE IS ONE SENTENCE YOU DO NOT NEED A They want all new homes built in the UK from 2011 onwards to conform to specifications that will make them elderly-friendly B Safety for children will also be addressed C It is feared that conforming to all the specifications will push up the prices and put new homes out of the reach of first-time buyers D Adapting their houses to make life easier for these people is a costly business and most cannot afford the necessary changes E These plans have met with mixed reactions F There must be easy access for wheelchairs to the front door and through doorways D A F E C PART 3: WRITING (4p) Write a story about a disastrous evening when everything went wrong Include these points • Describe how the evening started • Write about at least three things that went wrong • Say how you felt and what you did • Describe how the evening ended The most disastrous evening in my life happened last year on my birthday I hoped it would be one of my most wonderful birthdays and I was almost sure everything would turn out well But one should always expect some unpredictable events that can ruin your expectations in an instant While preparing myself to get ready for the party which would be at my favorite club, something terrible happened In a second of total carelessness I dropped my glasses in the bathroom and one lens fell out of the frame I couldn't believe it Was that the first sign that I was going to have a disastrous evening? Then, I met with my friends in the club and I felt a very happy receiving so many flowers and presents Everything was going well when I decided to go to the bathroom and check myself in the mirror As I was rushing downstairs I slipped because there was some water on the stairs I broke a heel The only thing I could was to ask my neighbor go to my house and get me another pair of shoes I felt awful The moment I slipped on the stairs I tried to avoid falling down and I broke the watch that I had recently received On the whole, I had a horrible evening even though I tried to pretend everything was all right At least, I was happy to have all my friends next to me and I was glad to see them enjoying themselves PART 1: GRAMMAR (3p) Complete the sentences with the correct form of the verbs in brackets I thought Archie (leave) but in fact he was in the cafeteria Who is expected (win) the next election? The meeting (finish) by 4.30 so give me a ring then He admitted (steal) the painting after the police arrested him The examiner asked me why I (chose) to learn English How long (you want) to be an astronaut? My niece (can) talk until she was two You (earn) a lot more money this time next year would leave to win finishes having stolen had chosen you want could will be earning ĐỀ KTRA 1-KỸ NĂNG TỔNG HỢP TEST 1: Read the instruction carefully and the required task PART 2: READING (3p) Read the text A home of your own? A home of their own is what most people in the UK aspire to these days However, more and more of our older population are finding it difficult to stay in their own homes as the health problems associated with increased age sometimes make it impossible for them to cope in badly designed houses The elderly cannot climb the stairs and if they use wheelchairs, there are often problems getting from one room to another because of narrow doorways, let alone trying to manoeuvre their chairs up and down outdoor steps [1 _] All too often the help that could allow them to remain in their own homes at the end of their lives is not available and these people are forced to move into care homes Here, their needs are catered for but they often feel isolated and away from familiar surroundings and their friends and family In an effort to address this problem the UK government has announced plans that seem, on the surface, to be fairly dramatic [2 _] There will be sixteen such specifications and they include improvements that could significantly affect life positively for the elderly Stairs will have to be wide enough to accommodate stair lifts should the installation of one become necessary [3 _] Electrical sockets and switches in walls must be at a convenient height and all rooms must be large enough for wheelchairs to turn in circles These are only a few examples of what architects and builders will have to take into consideration in the future [4 _] The general idea has been welcomed by many care groups but the practicalities are causing concern in many quarters Not least among those who are worried about the cost of providing new housing [5 _] Members of the House Builders Association feel that the plans have not been carefully thought through and that implementing such specifications, although theoretically laudable, is simply not realistic It is also felt that people have different housing needs at different stages of their lives and forcing all new homes to be built with the elderly in mind is not going to be a popular move Debate on the subject will no doubt continue for a long time yet! COMPLETE THE TEXT WITH SENTENCES A–F THERE IS ONE SENTENCE YOU DO NOT NEED A They want all new homes built in the UK from 2011 onwards to conform to specifications that will make them elderly-friendly B Safety for children will also be addressed C It is feared that conforming to all the specifications will push up the prices and put new homes out of the reach of first-time buyers D Adapting their houses to make life easier for these people is a costly business and most cannot afford the necessary changes E These plans have met with mixed reactions F There must be easy access for wheelchairs to the front door and through doorways D A F E C PART 3: WRITING (4p) Write a story about a disastrous evening when everything went wrong Include these points • Describe how the evening started • Write about at least three things that went wrong • Say how you felt and what you did • Describe how the evening ended The most disastrous evening in my life happened last year on my birthday I hoped it would be one of my most wonderful birthdays and I was almost sure everything would turn out well But one should always expect some unpredictable events that can ruin your expectations in an instant While preparing myself to get ready for the party which would be at my favorite club, something terrible happened In a second of total carelessness I dropped my glasses in the bathroom and one lens fell out of the frame I couldn't believe it Was that the first sign that I was going to have a disastrous evening? Then, I met with my friends in the club and I felt a very happy receiving so many flowers and presents Everything was going well when I decided to go to the bathroom and check myself in the mirror As I was rushing downstairs I slipped because there was some water on the stairs I broke a heel The only thing I could was to ask my neighbor go to my house and get me another pair of shoes I felt awful The moment I slipped on the stairs I tried to avoid falling down and I broke the watch that I had recently received On the whole, I had a horrible evening even though I tried to pretend everything was all right At least, I was happy to have all my friends next to me and I was glad to see them enjoying themselves PART 1: GRAMMAR (3p) Complete the sentences with the correct form of the verbs in brackets I (meet) the new employee at 4.30 Is there anything you’d like me to ask him? Don’t call me on my mobile between four and five this afternoon because I (drive) (the judges make) their decision by the end of today? Don’t worry about phoning Martin with the news I (tell him) at school Quick! Marian (faint)! When (the shop open)? I need to get some milk I’ve decided I (study) Science at university Ben (probably win) the student election He’s very popular The train (arrive) at 6.30 so we should be home by seven 10 Don’t forget to give him the letter when he (get) home am meeting will be driving 3 Will the judges make will tell him at school is going to faint! will the shop open am going to study will probably win arrives 10 gets ĐỀ KTRA 1-KỸ NĂNG TỔNG HỢP TEST 1: Read the instruction carefully and the required task PART 2: READING (3p) Read the text WORKING WITH MONEY A THE FINANCIAL ADVISOR In my job people either come to me or I go to them This is because most of my clients are working full time and only have the evenings or weekends free We usually spend a few hours going through money matters and then I work out with the client how best their money can be invested and how to plan for their retirements I give advice on anything from pension funds to taking equity out of property In short what I’m doing is advising people how to make their money work for them and provide them with a secure future B THE DEBT COUNSELLOR The people who usually consult me are often desperate to find a way out of a very difficult and traumatic situation These days I’m seeing more and more people who have overreached themselves and been tempted by easy credit They can’t see a way forward and that’s where I come in My job often involves reassuring people that there are ways out of their problems However, in the course of my work I also encounter people whose lives revolve around spending money that they haven’t got and who are neither willing nor able to change their ways C THE ACCOUNTANT I work in partnership with two other people and we are always extremely busy! We mainly deal with small businesses or individuals who need help with their taxes We calculate their profits (or losses) and advise on what expenses they can claim for Some forms they have to complete look quite complex but for people with our experience they’re really quite straightforward Some of our clients think we should be able to save them enormous amounts of money but we’re certainly not miracle workers! D THE ECONOMIST In my opinion the economy is a fascinating subject and I try to pass this on to my students It’s such a wide subject There are so many influences you have to consider and a successful economist must be familiar with all the markets and current trends As we’ve seen recently with unstable stock markets world wide, predicting how an economy is going to is almost impossible because of all the contributory factors Friends often ask for advice on what shares to buy or sell but unfortunately there are no guarantees in my business and it’s always a big risk! Complete the sentences with the correct person A–D _ is a teacher _ thinks his subject is not straightforward _ doesn’t work office hours _ has some clients that not take his advice _ doesn’t always what his clients expect D D A B C PART 3: WRITING (4p) Write an essay with the title: You can never have too much money Use the writing guide to help you Paragraph 1: Introduce the topic and say what you understand by the statement Paragraph 2: Outline points that agree with the statement Paragraph 3: Outline points against the statement Paragraph 4: Summarise and give your opinion Nowadays, money plays an important role in our lives to survive Some people will want to have a lot of money but some people never have too much money And in the next few paragraphs I will clarify my point of view I completely agree that we never have too much money Humans are greedy, so they will never find that they have enough money for themselves as well as their family Typically, my uncle, when he was poor, he could afford to buy a motorbike, he felt satisfied But when he had a motorcycle, he was hoping to earn more money to buy a car So, money is never enough when we not feel satisfied with our needs On the other hand, many people find that they have a lot of money When we understand that self-satisfaction and feel enough - full, this is the time we can save and spare some money For myself, I usually charity or help the people around me and this is only possible when I feel that I have a lot of money and I am willing to share it to another Although I am not a billionaire but when I feel "enough", I will see that I have a lot of money That's why I won't hesitate to donate In short, there is a lot of money or money depending on our ability and ability to satisfy ourselves We should also consider the fact, not all people are same The usage of money makes it good or bad Thus, money in itself is not good or bad Usage of money makes it good or bad The same money can be used for a good cause Money or any other thing in too much is just a tool PART 3: WRITING (4p) Imagine you witness a large fire and see fire-fighters save a young child from the building Write the story of the rescue for a magazine Use the writing guide to help you Paragraph 1: Say what you were doing when the fire started Paragraph 2: Say what happened and describe the scene Paragraph 3: Describe how the fire-fighters saved the child Paragraph 4: Comment on the bravery of the fire-fighters and what happened to the other people involved Concerning the accident that look took at Ben Thanh Tourist Building a couple of months ago, the following report is submitted after a thorough analysis of the facts On the 7th of March 2021, a fire broke out around 02:00 pm On Saturday afternoon, I was busy doing my project work when suddenly I heard a loud noise from a building opposite my flat I could not resist the temptation to see and find a huge gathering outside The fire was gulping everything it could and high flames and smoke had covered the whole sky People were pouring buckets of water on the flames and fire Some of the people were trapped and were crying for help The scene was of complete disaster, nothing could be saved It was found later that a fire broke out due to a short circuit in one of the inside shops The firemen were summoned immediately They used ladders and tried to hoist themselves through the window into complete darkness, with thick smoke and zero visibility Hearing muffled noises in the distance, he called out but received no response He then dropped to the ground and, crawling on all fours, began to search for the children Amidst the smoke and flames, he found each child, one at a time Each one had gone unconscious, and as he came across each limp figure not knowing whether they were dead or alive, carried them quickly back to the window, passing each body to a waiting firefighter on the other side He completed these motions until all two children were rescued The children were badly burned and were suffering from smoke inhalation They were treated on-scene by paramedics and transported in critical condition to local hospitals In those dangerous places, when personnel with lists are always trying to get out, the firefighters rush into the sea of fire, into the deep pit, jerk with the god of death, save the property Brave events, entertaining spirit, forget yourself for the sake of the mission to create a good impression in people's hearts Two children are alive today because of the courageous actions taken by firefighters PART 1: GRAMMAR (3p) Complete the sentences with the present perfect simple or continuous form of the verbs in brackets I (have) this cold since I went swimming last Friday How often (you be) to the USA? I (often wonder) if learning another language would be difficult Where (you stay) for the last few days? What (you do) to your hair? It looks great! How long (you go out) with Freddy? What (you eat)? There are red marks on your shirt Katy and I (know) each other since we were at primary school together have had have you been have often wondered have you been staying have you done have you been going out have you been eating have known ĐỀ KTRA 1-KỸ NĂNG TỔNG HỢP TEST 1: Read the instruction carefully and the required task PART 2: READING (3p) Read the text ARE YOU ‘UNDERAGE’? Something interesting has been happening on the music scene recently Remember the time when you had to be a certain age to be able to get into concerts and clubs and when it seemed you had to wait forever to be old enough to experience the really exciting openair gigs? Teenagers used to spend time and money trying to make themselves look eighteen and many even invested in fake IDs to get past the security guards! Well, it appears that the tables have turned and a new phenomenon has arrived This is keeping the older music fans out and forcing them to try to appear younger or have fake IDs that prove they are under eighteen What is it? It’s the brainchild of Sam Gascoyne, a fifteen-year-old who got fed up with being turned away from concerts and decided to something about it This will be the second year of the extremely popular ‘Underage’ festivals ‘Underage’ started as a nightclub night for youngsters who wanted to listen to bands that are popular today According to Sam, teens today are getting involved in music and the music industry at younger and younger ages and their needs are not being catered for They are no longer content to listen to the type of music nightclubs usually provide for under-eighteen nights They want more cutting edge music The London Underage club nights developed into Underage clubs and the idea spread like wildfire and was copied in towns and cities all over the UK Last year saw the first Underage Music Festival on 10th August in London’s Victoria park It was an amazing event Open only to 14–18 year olds the morning started with a queue of over 2,000 teenagers without a parent in sight! The only adults were the security people and twentysomethings trying to look younger! The festival was well organised and offered the best in indie music It was well equipped to deal with the needs of the adolescent fans: food bars, cash points and lots of security to reassure absent parents that the kids would be safe The whole day was a great success, the teenagers thoroughly enjoying the fact that they had a festival of their very own The ‘Underage’ phenomenon has proved so successful that Sam is now considered by many to be a teen role model He remains unfazed by it all He admits to being annoyed by the increased attention of the music industry He feels very strongly that teenagers are being let down by an industry run by people who are more interested in money than music and who are too old to understand teenage needs He insists that in this technological age young people are more aware of new trends in music than ever before and ingrained attitudes in the industry need to change ARE THE SENTENCES TRUE OR FALSE? In the past only teenagers were allowed into some live concerts T / F Sam Gascoyne turns teenagers away from concerts T / F ‘Underage’ has brought new music to a younger audience T / F The underage festivals only allow one adult with each teenager T / F Some older people attempt to enter these festivals T / F F F T F T PART 3: WRITING (4p) Write an essay with the title: You can never have too much money Use the writing guide to help you Paragraph 1: Introduce the topic and say what you understand by the statement Paragraph 2: Outline points that agree with the statement Paragraph 3: Outline points against the statement Paragraph 4: Summarise and give your opinion Nowadays, money plays an important role in our lives to survive Some people will want to have a lot of money but some people never have too much money And in the next few paragraphs, I will clarify my point of view I completely agree that we never have too much money Humans are greedy, so they will never find that they have enough money for themselves as well as their family Typically, my uncle, when he was poor, he could afford to buy a motorbike, he felt satisfied But when he had a motorcycle, he was hoping to earn more money to buy a car So, money is never enough when we not feel satisfied with our needs On the other hand, many people find that they have a lot of money When we understand that self-satisfaction and feel enough - full, this is the time we can save and spare some money For myself, I usually charity or help the people around me and this is only possible when I feel that I have a lot of money and I am willing to share it with another Although I am not a billionaire when I feel "enough", I will see that I have a lot of money That's why I won't hesitate to donate In short, there is a lot of money or money depending on our ability and ability to satisfy ourselves We should also consider the fact, not all people are the same The usage of money makes it good or bad Thus, money in itself is not good or bad Usage of money makes it good or bad The same money can be used for a good cause Money or any other thing in too much is just a tool PART 1: GRAMMAR (3p) Complete the sentences with the correct form of the verbs in brackets I thought Archie (leave) but in fact he was in the cafeteria Who is expected (win) the next election? The meeting (finish) by 4.30 so give me a ring then He admitted (steal) the painting after the police arrested him The examiner asked me why I (chose) to learn English How long (you want) to be an astronaut? My niece (can) talk until she was two You (earn) a lot more money this time next year would leave to win finishes having stolen had chosen you want could will be earning