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«A call loan»

by O. Henry

  1. Read the story.

  1. Match the words to their definitions:

  1. surplus

  2. spondulick

  3. thrift

  4. endorsement

  5. countenance

  6. chariot

  7. loophole

  8. security

  9. collateral

10.violate

  1. To break or fail to comply with a rule or formal agreement.

  2. A two-wheeled horse-drawn vehicle used in ancient warfare and racing.

  3. An amount of something left over when requirements have been met; an excess of production or supply over demand.

  4. A signature on the back of a bill of exchange or cheque, making it payable to the person who signed it.

  5. An ambiguity or inadequacy in the law or a set of rules.

  6. Money or property which is used as a guarantee that someone will repay a loan.

  7. An asset or assets to which a lender can have recourse if the borrower defaults on the loan repayments.

  8. The face, esp. when considered as expressing a person's character or mood.

  9. The quality of using money and other resources carefully and not wastefully.

  10. Money, cash.

  1. Give synonyms of the following words:

Stampede, laird, to spend, increasing, to invest, to bank, costly, to loan, excess, endorsement, worth, to accommodate.

  1. Fill in the blanks with a suitable word from the vocabulary. Translate the sentences into Russian:

examiner; borrower; worth; cash; collateral; raise; income; profit.

  1. They live beyond their _______.

  2. Ann put up her house as _______for the loan.

  3. Financial ­_______ ensure compliance with laws governing financial sheets, evaluate the risk level of loans, and assess bank management.

  4. In a loan, the _________ initially receives or borrows an amount of money, called the principal, from the lender.

  5. Those who have _______, come here to spend.

  6. He would keep on working, as he had lately had a ______.

  7. My personal ________ has jumped from $25bn a year ago to $64bn.

  8. Many companies will _______from the fall in interest rates.

  1. a) Put down the verbs that can be used with the word “money”.

b)Put down the adjectives that describe the word “money”.

  1. Look through the text once again, and:

1. Explain the idea of the sentences:

  1. The cattleman was caught in a stampede of dollars.

  2. The son-of-a-gun slipped in on us.

  3. It is a man I've laid on the same blanket with in cow-camps and ranger-camps for ten years.

  4. Before this spy jumps onto you.

  5. He was doomed to become a leading citizen.

  1. Find in the text more idioms. Make your own sentences using them.

  1. Give the derivatives where possible:

Verb

Noun

Adjective/Participle

Adverb

cashier

examiner

loan

doubly

legally

absolutely

violate

bound

cleared

  1. Speak about the characters of the story:

  • Describe Bill Longley.

  • Describe Tom Merwin.

  • Describe Mr. J. Edgar Todd.

  1. Make a summary of the story.

  1. Answer the following questions:

  1. What is the issue showed in this story?

  2. What bad bit of paper is there in the First National Bank of Chaparosa?

  3. What is a Call Loan?

  4. What do you call a person who takes a loan?

  5. Who are you sorry for?

  6. What language does the author use?

  7. What is the irony of the story?

  8. What would there for you to spend money for?

  9. What prevents some people from taking loans?

  1. Say if the statements are true or false. Provide evidence:

  1. Long Bill was a graduate of the camp and trail. Luck and thrift, a cool head, and a telescopic eye for mavericks had raised him from cowboy to be a cowman. 

  2. One day a dyspeptic man, wearing double-magnifying glasses, inserted an official-looking card between the bars of the cashier's window of Cooper & Craig Bank.

  3. The bank examiner was shocked. It was, perhaps, his duty he stepped out to the telegraph office and wired the situation to the Comptroller. 

  4. Longley broke into a run, and Merwin kept with him, hearing only a rather pleasing whistle somewhere in the night rendering the lugubrious air of "The Cowboy's Lament."

  5. Merwin's brother sold the cattle for $29,000.