Friday, January 31, 2014

LESSON (4) MONEY (Advanced)

MONEY - Rich Man / Poor Man (Advanced)

     1.    There are many ways to describe how rich or poor someone is. Here are a few of         them. Put the descriptions in the box into one or the other categories – rich or 
           poor.



filthy rich        needy       rich      broke      skint        penniless   poor
rolling-in-it   brassic    wealthy    impoverished  well off   prosperous   stinking rich   destitute     hard-up       affluent  


RICH                                                          POOR


2.            Match the following words and phrases (found underlined in the texts below)    
         with their definitions.  

(A)
cracked up to be   
a lot of money
(B)
rock bottom   
not as good as people have claimed it to be
(C)
piles of cash    
to start a law case against.
(D)
fleeting
the lowest possible level
(E)
sued
rapid and soon passing
(F)
siblings pestered him
set (something or oneself) down with or as if with a noise;
(G)
bankruptcy
deprived of one's job because it is no longer necessary
(H)
plunk down
Having been legally declared financially insolvent
(I)
redundant
brother or sister troubled him persistently
(J)
a chunk
A thick mass or piece


3.    What would you do if you won a large sum of money?

4. Read the articles below. What is your opinion?

THEY LOST IT ALL

Having piles of cash only compounds problems for some people. Here are sad tales of foolishness, hit men, greedy relatives and dreams dashed.

For a lot of people, winning the lottery is the American dream. But for many lottery winners, the reality is more like a nightmare.
"Winning the lottery isn't always what it's cracked up to be," says Evelyn Adams, who won the New Jersey lottery not just once, but twice (1985, 1986), to the tune of $5.4 million. Today the money is all gone and Adams lives in a trailer.
"I won the American dream but I lost it, too. It was a very hard fall. It's called rock bottom," says Adams.
"Everybody wanted my money. Everybody had their hand out. I never learned one simple word in the English language -- 'No.' I wish I had the chance to do it all over again. I'd be much smarter about it now," says Adams.
Living on food stamps
William "Bud" Post won $16.2 million in the Pennsylvania lottery in 1988 but now lives on his Social Security.
"I wish it never happened. It was totally a nightmare," says Post.
A former girlfriend successfully sued him for a share of his winnings. It wasn't his only lawsuit. A brother was arrested for hiring a hit man to kill him, hoping to inherit a share of the winnings. Other siblings pestered him until he agreed to invest in a car business and a restaurant in Sarasota, Fla., -- two ventures that brought no money back and further strained his relationship with his siblings.
Post even spent time in jail for firing a gun over the head of a bill collector. Within a year, he was $1 million in debt.
Post admitted he was both careless and foolish, trying to please his family. He eventually declared bankruptcy.

Luck is Fleeting
"For many people, sudden money can cause disaster," says Susan Bradley, a certified financial planner in Palm Beach, Fla., and founder of the Sudden Money Institute, a resource center for new money recipients and their advisors.
"In our culture, there is a widely held belief that money solves problems. People think if they had more money, their troubles would be over. When a family receives sudden money, they frequently learn that money can cause as many problems as it solves," she says.
Winning plays a game with your head
Bill Pomeroy, a certified financial planner in Baton Rouge, La., has dealt with a number of lottery winners who went broke.
"Because the winners have a large sum of money, they make the mistake of thinking they know what they're doing. They are willing to plunk down large sums on investments they know nothing about or go in with a partner who may not know how to run a business."
What if you get so (un)lucky?
To offset some bad early decision-making and the inevitable requests of friends, relatives and strangers, Bradley recommends lottery winners start by setting up a DFZ or decision-free zone.
"Take time out from making any financial decisions," she says. "People who are not used to having money are fragile and vulnerable, and there are plenty of people out there who are willing to prey on that vulnerability -- even friends and family," she cautions.
"It's not a time to decide what stocks to buy or jump into a new house purchase or new business venture. "It's a time to think things through.”

Winner 'bored'

Three months after winning $500,000 on Lotto a redundant Christchurch man says he is bored and wants a job at McDonald's.
James Green lost his job four weeks before he won $500,000 in the special Easter draw, but now he wants to get back to work in a fast-food restaurant.
The 36-year-old former apprentice welder has been enjoying the quiet life "just playing computer games" since his big win.
But he said it "does get a bit boring".
Green said he would love to own his own business, but right now he wants to work in "either McDonald's or Burger King or a supermarket something easy".
Green, who still lives in a room in his brother's house in Linwood, said he had not spend a cent of his prize.
"I just put it in the bank. [I] haven't bought anything with it, just living off the interest," he said.
But the Lotto winner hinted he might spend a chunk on a holiday to the United States.
Franchisee Bruce Davis, who owns several McDonald's restaurants, said Green stood a chance of getting a job.
"I'd love to talk to him. There's always work for enthusiastic people."


RISK

5. In your opinion, which of the following give the best return on your money? Which       are less risky? Write down your comments.

      * gold                         * currencies               *  a high interest deposit account       
      *  property                  * land / real estate     * stocks and shares  
      * antiques and paintings      * precious stones        * a new business venture

Quiz

6. (A)  How much cash do you have with you at the moment? Do you:
(i)            know exactly?
(ii)          know approximately?
(iii)         not know at all?

(B)  Do you normally check:
(i)            your change?
(ii)          your bank statement and credit card bills?
(iii)         restaurant bill?
(iv)         your receipts when shopping?
(v)          prices in several shops before you buy something?

(C)  Do you:
(i)            give money to beggars?
(ii)          give money to charities?
(iii)         give away used items, such as clothing?

(D)  If you go for a meal with someone you don’t know well, do you:
(i)            offer to pay the whole bill?
(ii)          suggest going ‘Dutch’?
(iii)         offer to pay the whole bill but expect them to pay next time?
(iv)         try to avoid paying anything?

(E)  If you lend a colleague a small amount of money and they forget to pay it 
 back, do you:
(i)            say nothing?
(ii)          remind them that they owe you money?
(iii)         Arrange to go for a drink with them and say you’ve forgotten your wallet or purse?




ANSWERS:

MONEY - Rich Man / Poor Man
·         There are many ways to describe how rich or poor someone is. Here are a few of them. Put the descriptions in the box into one or the other categories – rich or poor.


filthy rich        needy       rich      broke      skint        penniless   poor
rolling-in-it   brassic    wealthy    impoverished   well off   prosperous   stinking rich   destitute     hard-up       affluent  


RICH                                                          POOR
Filthy rich          rich        rolling-in-it    wealthy    well off    prosperous   stinking rich    affluent
Needy  broke   skint   penniless  poor        brassic    impoverished    destitute    hard up

2.    Match the following words and phrases (found underlined in the texts below) with their definitions. 

(A)
cracked up to be   
(c)
a lot of money
(B)
rock bottom   
(a)
not as good as people have claimed it to be
(C)
piles of cash    
(e)
to start a law case against.
(D)
fleeting
(b)
the lowest possible level
(E)
sued
(d)
rapid and soon passing
(F)
siblings pestered him
(h)
set (something or oneself) down with or as if with a noise;
(G)
bankruptcy
(i)
deprived of one's job because it is no longer necessary
(H)
plunk down
(g)
Having been legally declared financially insolvent
(I)
redundant
(f)
brother or sister troubled him persistently
(J)
a chunk
(j)
A thick mass or piece


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