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Although there are as many ways to prepare a budget as there are people who use them, the process usually involves three steps: setting financial goals , estimating income , and planning expenditures .

Bank and savings institutions protect your money against fire, theft and other disasters.

One of the main reasons people save their money is to earn interest, the income from allowing someone else to use one’s capital. The amount that they earn is known as the rate of return which is expressed as a percentage of the amount on deposit for a period of a year. A deposit of $100 in an account paying 5 percent, for example, would earn a total of $5 in interest over a year. The $5 is the return; the rate of return is 5 percent ($5 divided by $100).

Most accounts offer compound interest. This is interest computed on the principal and on the interest that was previously paid.

The rate of return offered by banks and savings institutions will vary with economic conditions and the length of time they hold your money. It is also important to distinguish between rate of return and yield, the actual amount of interest earned. Yield depends on the rate of return and the frequency of compounding.

Liquidity is a measure of the ease with which you can convert your savings to cash. The easier it is to withdraw your funds, the greater is the liquidity.

ІІІ. Що б Ви могли розповісти про своє дозвілля?

І. Лексико-граматичний тест:

1. She was jealous______her friend because she had a better dress.

a) at c) of

b) on d) to

2. The waste paper bin is full______crumpled sheets of pa­per.

a) with c) to

b) for d) of

3. The computer is capable______producing graphics.

a) to c) for

b) of d) in

4. Moscow is especially famous______its elegant architec­ture.

a) for c) with

b) of d) at

5.1 felt very ashamed______making such a stupid mistake.

a) of c) at

b) for d) to

6. Could you add this up for me? I'm not very quick______calculating.

a) with c) at

b) in d) on

7. After days of preparation the hall is ready______the grand opening.

a) on c) at

b) to d) for

8. Who is responsible______making such a mess?

a) for c) with

b) of d) at

9. She was very proud______his achievements.

a) for c) with

b) of d) at

10. It took some time to get accustomed______driving on the left.

a) at c) to

b) with d) for