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VIII. Listen to the text American Millennials are Cautious About Spending

using http://learningenglish.voanews.com/a/young-americans-cautious-about-spending/3486404.html and answer the following questions:

1. Why are millennials not using their credit cards?

A. Because they don’t have much money.

B. Because they are afraid of losing their jobs.

C. Because they are worried about paying their students’ loans.

D. Because they can’t find any jobs.

  1. Why did Stefanie O’Connell become cautious about how she spent her money?

A. Because there were not many jobs for someone with her education.

B. Because she couldn’t find a job at all.

C. Because she doesn’t earn much money.

D. Because she wants to keep her money.

3. What blog does Stefanie O’Connell write about?

A. She writes a blog about financial management.

B. She writes a blog about accounting.

C. She writes a blog about millennials.

D. She writes a blog about wealth management.

4. Why are credit cards very important for the American financial system?

A. Because it is difficult to buy many goods and services without credit cards.

B. Because it is difficult to buy apartments without credit cards.

C. Because nobody can buy something without credit cards.

D. Because people don’t use banknotes and coins.

5. What smartphone apps can help young people build credit?

A. Smartphone apps like Watch & Earn can help young people build credit.

B. Smartphone apps like Cash can help young people build credit.

C. Smartphone apps like Level Money can help young people build credit.

D. Smartphone apps like Mint Coins can help young people build credit.

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IX. Complete the sentences (1-5) with the most suitable preposition (a-e):

1. Real estate is property consisting of land and the buildings ..... it.

a) on b) of c) in d) by e) among

2. Some states allow card payments ..... certain taxes.

a) by b) among c) between d) of e) for

3. Creditor banks are considering cutting off assistance and forcing the company to be placed ...... receivership.

a) under b) by c) among d) near e) of

4. The company plans to spend $750 million ...... capital improvements next year.

a) between b) on c) between d) by e) of

5. The firms operate separately, ...... no centralized media planning or buying.

a) on b) by c) with d) in e) among

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X. Сomplete the sentences with the correct form of the words in capitals:

1. We have insufficient data to reach any firm __________ . CONCLUDE

2. A cut-back in staff has slowed down ____________ . PRODUCE

3. We ask for immediate ____________ as one of the conditions of the sales agreement. DELIVER

4. All job __________ are required to submit a curriculum vitae. APPLY

5. Free trade can be a powerful engine for economic ___________ , creating new jobs and opening new markets. DEVELOP