- •Высшего профессионального образования «Сибирская академия государственной службы»
- •080105.65 — Финансы и кредит; 080103.65 — Национальная экономика; 080107.65 — Налоги и налогообложение
- •1.1. Correct the sentences using the models given above:
- •1.2. If you work or have work, you have a job. Work is also a place where you do your job.
- •1.3. Complete the text with one of the prepositions given be-fore:
- •1.4. Learn the following word combinations:
- •1.5. Write about each person using words in bold type given before and the words in brackets. The first one has been done for you.
- •2.1. Complete the sentences with expressions from the texts above:
- •2.2. The aircraft engineer talks about his work. Complete his statements with expressions in the previous text.
- •2.3. Complete this table with the words from the texts above:
- •3.1. Look at this list of things that motivate people and tick the things Marie and Tom mention:
- •3.2. Answer the questions:
- •3.3. Choose five rewards or benefits from the list in Exer-cise 3.1. Number them in order of importance to you. Explain your order to another student.
- •3.4. Choose one of these jobs, or another job you know about:
- •4.1. Which person (1–5) is most likely to do each of the five things (a–e)?
- •4.2. Learn all these words which are used in front of ‘job’ and ‘work’:
- •4.3. Five people talk about their jobs. Match the jobs (1–5) to the people (a–e) and put the words in brackets into the correct grammatical forms:
- •4.4. Answer the questions:
- •4.5. Write a description for the job you would like and say why you feel you are suitable for it.
- •5.1. Remember the word combinations with the noun ‘stress’:
- •5.2. Answer the questions:
- •6.1. Match the statements (1–4) to the findings in the survey given in Text 6:
- •6.2. Answer the questions:
- •1.1. Complete the following sentences:
- •1.2. Match the phrases (1–4) with their definitions (a–d) af-ter it:
- •1.3. Choose the right variant and explain your choice:
- •1.4. Answer the questions and then, in groups of two or three, compare your answers:
- •2.1. Answer the questions beginning with ‘What’:
- •2.2. Correct the mistakes in the sentences 1–6 using words in bold type from the previous text:
- •2.3. Read articles about 3 companies, think of their titles and discuss their activities in groups:
- •2.4. Read the dialogue in pairs, act and make your own one using phrases in bold:
- •3.1. Find the adjectives (1–5) in the article. Match them with the word (a-e) that has a similar meaning:
- •3.2. Look at the following lists of positions and organiza-tions and answer the questions below. Then, in groups of two or three, compare your answer:
- •3.3. Match up the words on the left with the definitions on the right:
- •3.4. Read this information about managers and executives in the us and match each task (1–6) to the manager most likely to be responsible for doing it:
- •3.5. Complete the following sentences using suitable words or phrases from the box below:
- •3.6. Discuss the following questions in groups:
- •4.1. Fulfil the following tasks:
- •4.2. Complete each sentence with the present perfect of the verb in brackets and a time marker ‘for’ or ‘since’:
- •4.4. Complete the text using the words from the box. There are two words which you don’t need to use:
- •4.5. Complete this article about Vivendi by putting each of the verbs in brackets into the past simple. Most of the verbs are irregular:
- •Vivendi: 150 years of history
- •4.6. Make a project on one of the suggested problems:
- •5. ‘The Most Famous Company Abroad’. 6. ‘The Most Famous Russian Company’.
- •1.1. A management consultant is talking about meetings, using expressions from the dialogue given above. Put what she says into a logical order:
- •1.2. Remember the following word combinations with ‘meeting’:
- •1.3. Replace the underlined expressions with the appropri-ate forms given before. In some cases more than one verb is pos-sible:
- •1.4. Meetings come in all shapes and sizes, of course. Mem-orize the following types of them:
- •1.5. At which type of meeting would you be most likely to hear each of these things?
- •1.6. Answer the questions:
- •2.1. Replace the underlined phrases in this article with the correct expressions given above:
- •I don’t know how to chair a meeting!
- •2.2. Match the verbs (1–7) with the nouns (a–g) that they go with:
- •2.5. Here are some tips for speaking in meetings. Which ones do you agree with?
- •2.6. Match the words and phrases (1–7) with the definitions (a–g):
- •2.7. Look at some things that people say about speaking in meetings. Tick the ones you agree with then compare your an-swers with a partner:
- •3.1. Read and remember the standard phrases which people may use at meeting:
- •3.2. Which of these expressions are correct? Correct the mistakes:
- •3.3. Make these invitations to speak less aggressive and more natural:
- •4.1. Put the extracts from this newspaper report of a public meeting into the correct order:
- •4.2. Answer the questions:
- •4.3. Complete the dialogue using the words given below:
- •4.4. Answer the questions:
- •1.1. Answer the questions:
- •1.2. Complete the sentences using the words:
- •1.3. Match the terms (1–3) and their definitions (a–c):
- •1.4. Read the information about Follet’s theory of man-agement, give it the title and answer the questions:
- •1.5. Agree or disagree with the following using ‘nothing of the kind’, ‘wrong’, ‘not at all’ or ‘right’, ‘true’, ‘I agree with you’:
- •1.6. Complete the paragraphs adding your own ideas:
- •2.1. Agree or disagree with the following sentences:
- •2.2. Complete the following sentences with these words:
- •2.3. Open the brackets, choosing a necessary word:
- •2.4. Fill in correct prepositions:
- •3.1. Match the sentence beginnings (1–7) with the correct endings (a–g):
- •3.3. Match different leadership styles (1–9) with their defi-nitions (a–h):
- •3.4. People in charge of big business empires may be re-ferred to, especially by journalists, as magnates, moguls or ty-coons. Who are (or were) these famous businesspeople (a–f)?
- •3.5. Discuss the following questions with your partner:
- •3.6. Complete the following article with your own ideas. Be ready to make a project ‘a Manager of the XXI century’:
- •4.1. Find words or phrases in the text which mean the same as the following:
- •4.2. Fulfil the following tasks:
- •4.3. Rewrite the following sentences, replacing the words in italics with words and phrases from the box below. Make any oth-er necessary changes:
- •4.4. Complete the following sentences with the correct word or phrase (a, b, c, d):
- •4.5. Read and act the dialogue translating phrases in bold into English:
- •1.1. Replace the underlined phrases with correct forms of words and expressions from the texts above:
- •1.2. Answer the questions:
- •1.3. Choose the correct alternatives given below (a, b or c) to complete the text. Then say: a) what a company personnel de-partment does; b) what a person looking for a job does.
- •2.1. Correct the italicized words in the following sentences using the words from the text above:
- •2.2. Study the following speech patterns. Mind the use of prepositions:
- •2.3. Are these jobs generally considered to be highly skilled, skilled, semi-skilled or unskilled? Each expression is used twice:
- •2.4. These words are usually used in job advertisements. Learn the characteristics of people companies usually look for:
- •2.5. Complete these extracts from job advertisements using the words given above:
- •2.6. Answer the questions:
- •3.1. Answer the questions:
- •3.2. Find the English equivalents for:
- •4.1. Chose the right variants:
- •4.2. Complete the sentences with the words from the text:
- •4.3. Match these terms with their definitions:
- •4.4. Answer the questions:
- •1.1. Complete the following sentences:
- •1.3. Match these sentences (1–9) with their endings (a–I):
- •1.4. Read the information and fill in correct prepositions ‘out’, ‘at’, ‘in’, ‘about’:
- •1.5. Match the words below with their definitions:
- •2.1. Answer the following questions beginning with ‘Who’:
- •2.2. Complete the passage below using the appropriate words or phrase:
- •2.3. Match the terms and their definitions:
- •2.4. Read the information and decide how successful the mix coherency and mix dynamics are in the examples below (1– 5). Use the four Ps or the four Cs to explain your answers:
- •3.1. Match English words from the text (1–8) with their Russian equivalents (a–р):
- •3.2. Complete the article using the words in bold. There are two words which you don’t need to use:
- •3.3. Read the sentences, translating words in bold into Eng-lish:
- •3.4. Agree or disagree with the following statements. Prove your opinion:
- •4.1. Choose the right variant:
- •4.2. Complete the advertisement for holiday apartments by choosing the correct words:
- •4.3. Find the answer to these questions in the information on Peter Hull below:
- •4.4. Complete the passage below using the appropriate words or phrases from the box:
- •4.5. Discuss the following questions in groups
- •5.1. Answer the questions:
- •5.2. Match the following aspects of a promotional mix (1–4) with their definitions (a–d):
- •2. Personal selling 3. Sales promotion 4. Public relations
- •5.3. Read the information and match the sentences (1–3) to the correct words (a–c).
- •5.4. The following sales promotion techniques are often used to stimulate sales. Give examples of these techniques that you know. Use the list of products:
- •5.5. Complete the marketing collocations in sentences 1– 10 with the following words (a–j):
- •1.1.Lookat thetext abovetofindtheanswerstothecrossword:
- •1.2. Read the text and remember the basic definitions:
- •1.3. Answer the questions.
- •2.2. Complete the sentences with appropriate forms of ‘fi-nance’. There are two possibilities for one of the gaps:
- •3.1. Read the profit and loss account for a uk company. All the figures are pounds sterling. Say if the statements below are true or false:
- •3.2. Translate the following into English:
- •4.1. What kind of asset is each of the following? Which three are not assets?
- •4.2. Use the correct forms of words in brackets to complete these sentences:
- •4.3. Complete the assets table for a uk company with the expressions from the text above, and the relevant figures, using the following information:
- •4.4. Using the information from the text and in the table above, decide if these statements about Paradigm’s assets are true or false:
- •4.5. Think of an organization you are interested in. What are its main assets? Which of them could be shown on its balance sheet?
- •5.1. Say if these statements are true or false:
- •5.2. This is the other half of the balance sheet given above. Complete the assets table with the expressions from the text, and the relevant figures, using the following information:
- •5.3. Using the information in the text and in the table above, decide if these statements about Paradigm's liabilities are true or false:
- •6.1. Put the paragraphs of this article in the correct order. The first is a and the last is e, but the other paragraphs are in a different order:
- •6.2. Complete the sentences with appropriate forms of expressions from the article above:
- •6.3. Should there be obligatory rotation of auditors as rec-ommended by some regulators?
- •1.1. Agree or disagree with the following statements:
- •1.2. Complete the sentences using the following adjectives:
- •2.1. Answer the questions:
- •2.2. Match the economic functions of banks (1–4) with their definitions (a–d):
- •2.3. Match up the terms on the left with the definitions on the right:
- •2.3. Read the information and decide if the sentences are true (t) or False (f):
- •3.1. Answer the questions:
- •3.2. Match up these terms with the definitions below:
- •3.3. Read these short texts (1–3) and choose their titles (a–c). Discuss them in groups:
- •3.4. Read the dialogue in parts and answer the questions given below:
- •3.5. Choose the right answer:
- •4.1. Find the Russian equivalents for the following:
- •5.1. Find words in the text which are similar in meaning to these words or phrases:
- •5.2. Translate from English into Russian:
- •5.3. Discuss in groups. Think about different ways of bank-ing and think about these questions.
- •1.1. Translate the expressions from English into Russian:
- •1.2. Complete the song lyrics in box a with a phrase from box b:
- •1.3. Circle the best answer: a), b), c) or d):
- •1.4. Money serves as a medium of exchange, a standard of value and a store of value. Match the definitions (1–3) with their explanations (a–c):
- •1.5. Fill the gaps in the sentences below with the words and expressions. There are two expressions, which you don’t need to use:
- •1.6. Match these notions (1–5) with their definitions and examples (a–e):
- •2.1. Do you agree with the following?
- •2.2. Complete the texts using the words in the box:
- •2.3. Match the names of currency with the country where they are used:
- •2.3. Fill in the correct word derived from the word in bold:
- •3.1. Which words would you use to describe: a) John Sut-ter; b) one of the Forty-Niners?
- •3.2. Put the lines of this summary in the correct order:
- •3.3. Match the beginnings (a–g) with the ends of the sen-tences (1–7):
- •4.1. Complete the sentences, adding your own ideas:
- •4.2. If you possess a large amount of money, what are the advantages and disadvantages of the following?
- •4.3. Read the information on good and bad points of saving money. What do you think about it?
- •4.4. Match the questions and answers. Express your own ideas on the problems discussed:
- •4.6. Test your money expressions. Choose the correct option in the sentences below and say what each underlined money ex-pression means. Refer to a dictionary if you need to:
- •5.1. Agree or disagree with the following statements using the previous texts:
- •5.2. Make the following words negative by using one of the following prefixes: de-, dis-, im-, in-, un-
- •5.5. Match the following terms (a–f) with their definitions (1–6):
- •5.6. Discuss the following questions in groups. Be ready to write an essay on one of these problems:
- •1.1. Choose the correct expressions from the text to com-plete the following:
- •1.2. Would you like to start a business? What sort? Where would you get the capital?
- •2.1. Correct the eight mistakes in italics in this article, us-ing expressions from the text above:
- •2.2. Look at the text above and say if these statements are true or false:
- •2.3. What is your country’s main financial centre? Is it in the capital or another city?
- •3.1. Complete this financial report using expressions from the text above:
- •3.2. Use expressions from the text above to describe:
- •3.3. Is it usual in your country for ordinary people to own shares? Do people follow the stock market closely?
- •4.1. Pay attention to the usage of the following words and word combinations. Give their Russian equivalents:
- •4.2. Translate into English using the words and word com-binations from the text:
- •5.1. Find in the text the English for:
- •5.2. Translate the following into English using the words and word combinations from the text:
- •6. Investment choices: risk and reward
- •6.1. Answer the questions.
- •1.2. Using the information from the text, decide if these statements are true or false:
- •1.3. Answer the questions:
- •3. Characteristics of a good tax system
- •3.1. Answer the questions:
- •3.2. Find in the text English equivalents for:
- •4.1. Answer the questions.
- •4.2. Translate into English.
- •Валерия Викторовна Давыдова Марина Ивановна Ковалёва
- •080105.65 — Финансы и кредит; 080103.65 — Национальная экономика; 080107.65 — Налоги и налогообложение
3.4. Read the dialogue in parts and answer the questions given below:
1. What forms of exchange are called a legal tender? 2. Why are checks a common form of exchange?
3. How are traveler’s checks useful?
4. Which banks in the USA may issue bank notes?
5. What is the difference between a check and a bank draft? 6. What do cashier’s checks, certified checks and bank
drafts have in common?
7. How do sight drafts differ?
Student: The bank must use just about every form of ex-change in a day’s work.
Cashier: Just about. Of course, we constantly handle coins and bills of every denomination.
S.: They’re what you call legal tender.
C.: Yes. Or currency. A nation’s currency is its legal tender. S.: But a check isn’t legal tender.
C.: No. However checks are a very common form of ex-change, and they arc generally accepted in lieu of currency.
S.: Arc traveler’s checks currency?
C.: Not in a strict sense. But they’re immediately negotiable everywhere. For instance, even merchants will cash them under most circumstances.
S.: The bearer need only present proper identification. C.: That’s right.
S.: Well, what’s a bank note? Is that currency?
C.: Definitely. Bank notes are issued by the banks of the Federal Reserve System, and they’re legal tender just as silver cer-tificates are.
S.: That’s what I thought. But getting back to checks, why are bank drafts sometimes preferred over checks?
C.: Well, in the case of a check, the party who signs it is the only one who guarantees payment. But a bank draft is issued and guaranteed by a bank.
S.: Is that true of cashier’s chocks, too?
C.: Yes. And also of certified checks and bank money orders. S.: What about sight drafts?
117
C.: Now, sight drafts arc different They’re a form of request for payment through a bank.
3.5. Choose the right answer:
1. ‘We constantly handle coins and bills’ means:
a) cash them under most circumstances; b) deal with them; c) receive them
2. ‘bills of every denomination’ denote:
a) bank notes of different values; b) bank notes of various sizes; c) other means of exchange
3. ‘Legal tender’ is:
a) a type of paper currency; b) a requirement to accept in set-tlement of a debt; c) money guaranteed by a government
4. ‘Both cheques and traveller’s cheques arc readily accept-ed’ means:
a) able to be given to another party; b) certified by the bank that funds arc available; c) endorsed by an officer of the bank
5. ‘The cheque will be honoured’ means:
a) that it will be readily accepted by creditors; b) that it will be treated with respect; c) that the bank will be ready to cash it
6. ‘A bearer’ is:
a) a person who is named as payee on the exchange docu-ment; b) an officer of the bank who endorses the cheque; c) the per-son offering the exchange document and demanding payment.
4. BANKING INDUSTRY
Text 4
Read the text and make up 10 different questions for the discussion in groups:
The banking industry has greatly changed nowadays due to bank mergers and acquisitions. In this new environment banks have to offer more services. The increase in services leads to bank charges for almost everything. Banks are charging now for ATM (automatic teller machine) transactions, not maintaining a minimum balance, teller usage, phone transactions, monthly service charges, and per check charges. Many banks also require an initial high deposit. They may also set a limit on the number of checks you can process each month. A charge applies for each check above the limit.
18
Banks give you an option to reduce your bank charges by maintaining a minimum balance. You will need to evaluate whether this option suits your needs. Each bank offers a different array of bank account options. You will need to study each bank’s service options to decide what options are crucial for your business. Some issues to consider are the interest rates, usage of ATMs, conven-ience, service, FDIC insurance availability, minimum balance re-quirements, and bank fees.
Here’s a list of options to consider:
Usage of ATM Machines. Each time you withdraw money from your bank’s ATM machine, you may be paying a charge. Also, consider the availability of your bank’s ATM ma-chines. If you use another bank’s ATM machine, you may have to pay a charge for both banks’ services (that means your bank and the bank that owns the ATM machine).
Convenience. Most banks offer online banking services. What does this mean? You have the ability to pay for bills, transfer money from one account to another, purchase stocks in from your work or home. This gives you twenty-four hours access to your ac-counts, seven days a week!
Minimum monthly balances or a service charge. De-pending upon the minimum balance requirement and your cash sit-uation, you may opt to pay a monthly service charge. If the balance requirement is high, then it may be to your advantage to place your money in a higher interest bearing account and pay for a monthly service charge. You may need to calculate which option is best for you.
Per Check fee. In most businesses, a per check fee ac-count would be detrimental so they stay away from this type of ac-count.
Interest rates. Make sure that your checking account al-so gives you interest. The rate may not be very high, but it still helps!
Another option instead of using a bank is a credit union. Most credit unions are set up for a specific type of employee or business. There are credit unions that cater to educational institu-tions, employees of hospitals, and other specific groups. Credit un-ions offer very similar banking services such as the use of ATM
119
cards, low minimum balance requirements, and low or no per check charges.