1. Identify: the Kalmius River, Yusovka, Stalino, the De-Stalinisation, Nazi, Shakhtar Donetsk, the Donbass Arena.

2. Give the note about Donetsk answering the following questions:

3. Find the synonyms to the following words in the text: slavery, excavation, demolish, seizure, steeple, to be supervised, to be composed of, to co-occur with, all over, knowledge-based.

ENGLISH FOR SURVIVAL

MONEY

Vocabulary and useful expressions

A current account – a bill of exchange drawn on a bank by the holder of a current account payable into a bank account, if crossed, or on demand, if uncrossed.

To pay in – to hand (money, a cheque, etc.) to a cashier for depositing in a bank, etc.

Salary – a fixed regular payment made by an employer, often monthly, for professional or office work as opposed to manual work.

To withdraw – to take or draw back or away; to remove.

To pay one’s everyday bills – to pay money every day.

A regular bank statement – a statement of transactions in a bank account, especially one of a series sent at regular intervals to the depositor.

Saving account – an account at a bank that accumulates interest.

To deposit – to put or set down, especially carefully or in a proper place; place

To take money out – to extract or remove money.

An overdraft – a draft or withdrawal of money in excess of the credit balance on a bank or building-society cheque account.

Overdrawn – to draw on (a bank account) in excess of the credit balance.

To be in the red – (informal) in debit; owing money.

In the black – in credit or without debt.

To lend – to permit the use of (something) with the expectation of return of the same or an equivalent.

A bank loan – a variable-rate bank loan used on international markets that is automatically replaced by a fixed-rate long-term bond if the long-term interest rates fall to a specified level.

A mortgage – an agreement under which a person borrows money to buy property, especially a house, and the lender may take possession of the property if the borrower fails to repay the money.

To pay for it outright – to pay for it without qualifications or limitations.

To refund – to give back (money), as when an article purchased is unsatisfactory.

A receipt – a written acknowledgment by a receiver of money.

A fee – a payment asked by professional people or public servants for their services.

A fare – a sum charged or paid for conveyance in a bus, train, aeroplane.

Tax – a compulsory financial contribution imposed by a government to raise revenue, levied on the income or property of persons or organizations, on the production costs or sales prices of goods and services.

Customs or excise duties – a refund of customs or excise duty paid on goods that are being exported or used in the production of manufactured exports.

Value added tax – the difference between the total revenues of a firm, industry, etc., and its total purchases from other firms, industries, etc. The aggregate of values added throughout an economy (gross value added) represents that economy's gross domestic product.

Unemployment benefit – a regular payment to a person who is out of work: replaced by jobseeker's allowance in 1996 Informal term: dole.

The dole – a small portion or share, as of money or food, given to a poor person.

Disability allowances – the condition of being unable to perform a task or function because of a physical or mental impairment.

Special currency – a metal or paper medium of exchange that is in current use in a particular country.

Rates of exchange – the rate at which the currency unit of one country may be exchanged for that of another.

Situation 1. Read the dialogue and translate it. Pay attention to the meaning of the words and word-combinations in italics. Act it out in pairs.

• Good morning.

• Good morning, sir. Can I help you?

• Yes, I think so. I would like to open an account.

• What kind of are you interested in?

• You see, I have some spare money to put into the bank.

• Then you should open either a savings or a checking account.

• I’m afraid I know nothing about either of them. Could you tell me the difference between these two accounts?

• A small initial deposit is necessary to open a savings account at our bank. If it is more than five hundred dollars and you maintain this amount, then you won’t be charged for banking services. Otherwise you will be charged five dollars a month.

• So, I must keep a minimum balance of $500, is that correct?

• Yes, that’s right. Our computers check your average daily balance.

• And will I get a banking card after opening an account?

• Yes, certainly. And then you can get your money through machine services. You can make deposits, cash withdrawals and balance inquiries with your card. The machine is at work 24 hours a day.

• Oh, it’s very convenient. And may I ask what a checking account means?

• Certainly, sir. After opening a checking account you are supposed to maintain an average daily balance of $1,000.

• And what if I fall below this limit?

• Then you would have to pay a service charge of six dollars a month, and besides you will be charged 25 cents for each check and the same amount for each cash withdrawal.

• Hmm, I see. And can I avoid it somehow?

• Yes, of course. It may be done by keeping your $1,000 in your checking account.

• And how much interest do you pay?

• Interest of 6,5% is paid when your average daily balance is over $2,500. We credit the interest you’re earned automatically to your account.

• Well, it’s clear enough, but I intended to put only $1,000 into the account.

• Then it would be more profitable for you to open a savings account.

• Okay. I’ve made up my mind. I will open a savings account with a deposit of one thousand dollars.

• Fine. Will you fill out this application? (The client fills out the application)

• Is everything correct?

• Yes, everything is all right. And now you need to write a deposit ticket for $1,000.

• Just a moment.

• Thank you, sir. Here is your pass-book. The bank will pay you 5,5% interest.

• Thank you. You were most helpful.

Situation 2. Act as an interpreter.

1) – What kind of account are you interested in?

– Мені б хотілося відкрити ощадний рахунок.

2) –Is the initial deposit large?

– Ні. Він складає лише 1000 доларів.

3) –Why should I maintain this amount?

– Інакше вам доведеться платити за банківські послуги.

4) – What do computers check?

– Наш комп’ютер підсумовує всі відповідні щоденні цифри.

5) – When could I get my money?

– Ви можете отримати свої гроші у будь-який час доби, користуючись нашими автоматами.

6) –What else is required?

– Заповніть цю форму і прибутковий ордер.

7) – Is there a minimum balance required?

– Передбачається, що ви збережете середній щоденний баланс розміром 1000 доларів.

8) – What else is required?

– Вам доведеться платити 25 центів за кожний виписаний чек і 25 центів за кожне зняття готівки з банківського рахунка.

9) – How much interest do you pay?

– Якщо на вашому рахунку буде не менше 2500 доларів, вам належить 6,5%.

10) – I would like to open a checking account with a deposit of $1,500. Is that O.K.?

– Усе гаразд. Ви можете замовити чекові книжки як тільки заповните бланк заяви і талон на депозит.

Situation 3. Act out the situation.

1. You want to open a bank account. Make inquires about it.

2. You are a clerk at the bank. Give the client all the necessary information concerning opening a saving account.

Situation 4. Read the dialogues and translate the phrases in Ukrainian into English. Then, act out these dialogues with your partner.

a).

– У мене закінчились гроші. I want to cash a check.

– Do you have an account with this bank?

– Yes, I do. Номер мого рахунку is 8439518.

– Will you endorse this check, please?

– Sure.

– Які купюри Ви хотіли б отримати?

– Yes. I want a twenty, two tens, and two fives.

b).

– I want зняти гроші from my savings account.

– Do you have your passbook with you?

– Так, ось, будь ласка.

– How much do you want to withdraw?

– I’ll take out $200.

– Do you want that готівкою?

– No, thanks. Will you видати мені чек, please?

– Certainly. Just a minute. I’ll give you your check and I’ll return your passbook з зазначенням нового балансу.

c).

– Good morning. Can I help you?

- Так. Мене звуть містер Браун. Я очікую грошовий переказ з мого банку з Монреаля.

- By post, cable or telex, sir?

- Телефаксом.

- Just a moment, I’ll check it. Are you Jack Brown?

- Так, все вірно.

- Yes. There’s 800 dollars from the Royal Bank of Canada, Montreal. Have you got any identification, sir?

- Так. У мене є паспорт. Ось він.

- Thank you, sir.

d).

- Good afternoon, sir. Чи я можу Вам допомогти?

- Yes, I’d like to change some Swedish money, please.

- Certainly, sir. Скільки?

- Two hundred crowns.

- Is it in дорожніх чеках?

- No, in cash.

- Well, курс обміну for the Swedish crown today is 10 crowns to the pound.

- How much is 200 crowns, then?

- 20 pounds, sir.

- Зрозуміло.

- How would you like it?

- Three five-pound notes and the rest in large silver, please.

- Here you are. Ви бажаєте ще щось, sir?

- No, thank you. Good buy.

- Good buy.

Situation 5. Read the phrases given below, put them in the correct order to make dialogues. Then, act the dialogues out with your partner.

1).

• Then I’m afraid we can’t take your cheque.

• No, I haven’t.

• Yes, but have you got any identification? You have to show identification with cheques over £100.

• Can I pay by cheque?

• That’s £104.50 altogether. How do you want to pay?

• Oh dear! Let me see. I’ve got a photo of me and my aunt at the seaside.

• But … !

2).

• Yes, that’s right. Today’s rate is 2.027 to the pound.

• Oh, I don’t want US dollars, I want Canadian dollars, please.

• US dollars? Today’s rate is 1.46 US dollars to the pound.

• I see, Canadian dollars. You want to buy Canadian dollars?

• I’d like some dollars please.

3).

• It’s 1.46 dollars to the pound.

• Yes, I’d like to order some traveller’s cheques.

• I see, thank you.

• Yes, OK. What’s today’s exchange rate for US dollars?

• Certainly. You need to fill in a form.

• Good morning, madam. Can I help you?

Situation 6. Read the dialogues and complete the phrases. Translate the dialogues into Ukrainian.

1).

– I’d like to transfer some money to ……..,please.

– How much would you like ……..?

– £500.

– Would you like to send that in ………?

– Yes, please.

– Well, you can send an International Money Transfer.

– I need my mother to get …………. quickly.

– Yes, Mrs Matthews. We will send …………..

– That’s fine. Err, will it arrive today? I must tell …………..

– Yes, you can tell her confidently the money ……………..

– Thank you ………….

2).

– Excuse me, but could I trouble you for some change?

– Let me see. Do you want coppers or ………..?

– I want some change for ……………….

– You’d better have ……………, then.

3).

– Sorry to trouble you, but have you change for a pound?

– I’ll have ………….. What do you want it for?

– I have to get …………...

– In that case you need …………..