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Ex.1. Use the appropriate form of the Infinitive.

1. The contract (sign) tomorrow is important.

2. He is said (analyze) the proposed draft.

3. (Conclude) the contract we must discuss it first.

4. The goods (deliver) according to the terms are of high quality.

5.Partial deliveries are (authorize).

6.The seller should insure goods (deliver).

7.All disputes (arise) must be settled.

8.The prices are to (fix) firmly.

9.Who is to (eliminate) the certificate?

10.All disagreements are to (settle) through negotiations.

Ex.2. Translate into English, using the Infinitive.

1. C y M a noBHHHa 6y™ BHnjianeHa Hanepe^.

2. .flKiuo o6jia#HaHHa BnaBHTbcs flecbeKTHHM, fioro cnijx noBepHy™.

3. Cynepe^KH, mo noBromi 6yjm 6y™ ycyHem CTOpoHaMH ...

4. IU,o6 y3roflHTH ue nnTaHra ...

5.}KoflHin cropoHi He ,ao3Bo;i5ieTbcfl nepe/iaBa™ CBOI npaBa TpeTin CTopoHi.

6.riocraBHHK, mo iapani \BaB ...

7.1 ioKvnenb 3o6oB'»3yerbC5! O N J I A ™ ™ B sonapax CIII A.

8.ITpeflCTaBHiiKH n o K y n u a BHpiiun.nn orJiflHyTH nocTaBjiem TOBapH.

9.Yci B«npaBjieHH3 HOBMHUI 6 V T H 3pooJieHi B HMCS MOBOMV b n r j i a a i .

UNIT 7

HANDLING YOUR MONEY

Topical words:

to attract - sany^a™, npHraraTH

to deal with - Mara cnpaBy 3 currency - BanroTa, rpomi

to vary - MimiTH(c5i), 3MiHK)BaTH(ca)

lodging - >KHTJIO

toll-free - BijibHHH Bin MHTa

ID-identification - nocBfzrHeHHa OCO6H

denomination-BapTicTb ( r p o m o B n x 3H3KJB) branch - rajiy3b

to bounce - noBepiaTHca 6aHKOM (npo neK - uepe3 eidcymnicmb Kowmie

HQ paxyHKy nnanmuKa)

40

Read and discuss the text.

Most banks in the US open at 9:00 and close between 3:00 and 5:00, but stay open later on Fridays. Some banks have longer hours in

order to attract customers. What's the best way to carry money safely while

you are travelling? There are three possibilities — personal checks from

your country, traveller's checks and credit cards. Some American banks accept foreign checks such as Eurocheques, the problem is that only banks that are used to dealing with foreigners will know what Eurocheques are.

 

It may be more convenient to carry traveller's checks, which are

insured

against

loss.

They

should be in dollars, because only a few

banks

do much

business in

foreign

currencies. If your checks

are not

in dollars, it may take you

a long time to find a bank that will ex-

change them. You can use

traveller's checks almost anywhere — in

restaurants, stores or

ticket

offices

- without having to go to

a bank.

If you run out of them, you can buy more at most banks. Their service charge will vary, though, so ask what it is before you buy your checks.

Americans would say the best way to carry money is to have a major credit card like Visa, MasterCard or American Express. Credit

cards can be cancelled if they are lost or stolen. And because they are widely accepted in the US, it is easy to use them to pay for lodging, transportation, meals and things you want to buy from larger stores. Of

course, you

can't

get along without cash, but you don't need to

carry much with you.

Ex.1. Answer

the

questions.

1.

What are the .opening hours in most banks of the USA?

2.

Which bank sells traveller's cheques (B.E.)?

3.Is it a good idea to have a credit card when you travel in the USA?

4.What is the best way to carry cash?

5. What currency should traveller's cheques (B.E.) be in?

6.Is it convenient to carry them in Euro?

7. Where should you go if you want to cash a Eurocheque?

8.Can you buy traveller's cheques (B.E.) in banks?

9.What is to be done when a credit card is lost?

10.Why is it not convenient to have personal cheques from your country?

4 1

Ex.2. Give the English for:

3ajiyMaTH KjiieHriB; KpauiHH cnoci6 MaHflpyBara; MoacjiHBicTb; npHHMa™

HCKH;

Mara cnpaBy 3 iH03eMuaMn; BTpaTa; o 6 M i m o B a T H ;

saKimryBaraca;

KpaCTH; HOCHTH.

 

Ex.3.

Complete the following:

 

1. The working hours for most banks in the USA

 

2. The best way to carry money

 

3. If your cheques are not in dollars

 

4. Traveller's checks can be used

 

5. If you run out of them

-

6.Credit cards can be cancelled

7.Credit cards are widely accepted in the USA, so

8.You can't get along without cash

9.To have a major card like Visa, MasterCard and American Express

Ex.4. Match the expressions on

the left with

the definitions

on

the right.

For example: deposit a check,

means "--pay

a check into

your

account".

1. blank check

2. bouncing check

3. sign a check

4. check card

5.cash a check

6.stop a check

ask a bank not to pay a cheque you have written

=exchange a cheque for cash (B.E)

=sign on the front of a check to show that you authorize the bank to pay the money from your account

=check which cannot be cashed because the person writing it has not enough money in the account to pay it

=plastic card from a bank which

guarantees payment of a check

=check with the amount of money and the payee left blank, but signed by the drawer

4 2

Ex.5. Give English definitions as in the model.

MODEL: Safety

- without risk

Travel, traveller's cheque, accept, to

deal with, currency, charge, lodg-

ing.

 

Read and discuss the text.

 

 

 

 

 

 

 

 

 

 

David lost his traveller's checks. He went to the traveller's cheque

office and they told him

that he

had

to call

New

York

before

they could

do anything. They let him use their phone — it

was a toll-free number.

The clerk asked him how much he had lost

and

what

the

cheque

numbers were. Luckily, he had them written

down. Then the clerk

wanted to know where he bought the cheques

and if he had any ID.

David gave him his passport number. The clerk gave David

"a

file

number"

and

told

him where the nearest refund

office was. David told

the clerk

he

had

already been there and the clerk spoke to

the

agent.

After

that

David

filled out a form with all the

same

information

on

it.

Then

finally

the

agent

okayed

the

thing,

the

supervisor

initiated

it

and David got his cheques.

Ex. 1. Answer the questions.

1.What happened to David?

2.Where did he go then?

3. What did he want the traveller's cheque company to do when he went to their office?

4.What did he have to do first?

5.Did he have to pay for the phone call?

6. What were the four things the clerk in New York wanted to know?

7.Why was it easy for David to get new cheques?

8.What would have made it more difficult?

Ex.2. Complete the following.

1.David lost

2.In the traveller's cheque office he was told

3. The clerk asked David

4. The clerk also wanted to know

5.David gave the clerk

6.David filled out the form

7.David got his checks after

4 3

Ex.3. Fill out this lost traveller's cheque form.

Name

Address

Date, location and circumstances of loss

Documents of identification lost

Currency of checks

Amount of loss

The lost traveller's checks were:

Check one:

Signed by me only in the upper right corner

Signed by me in the upper right corner and countersigned by me in the lower left corner

Neither signed or countersigned by me in the upper right or lower left corner

Date of purchase Amount of purchase

Mead and

discuss

the

text.

 

 

 

 

 

 

 

 

 

 

 

 

American money comes in coins worth 1

(pennies), 5 (nickels),

10

(dimes),

25

{quar^i^'s,

and

50,

though

half

dollars

aren't

very

 

com-

mon.

Paper

money

is

in denominations of i, 5,10 and

20

dollars.

Two,

fifty

and

one-hundred dollar bills exist, but they are

not

common,

so

don't

be

suiprised

if

a

 

store clerk looks very closely

at a

hundred

dol-

lar bill to make sure

it's

real.

 

 

 

 

 

 

 

 

 

 

 

 

When you pay for something with your credit card,

the

salesman

will

take

your card

and

fill

out a

form using

a computer.

He

will

 

ask

you

to sign

the

form

and then give you a copy. The

credit

card

 

com-

pany

will

send

you

a

bill once a

month,

showing the

purchases

you've

made.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

If you write a personal cheque and it bounces,

you'll

have

to

pay

the bank

a high service charge. So be sure you have

enough

 

money

in

your bank account to cover any cheques you write.

 

 

 

 

 

 

 

 

Ex.1.

Answer

the

questions.

 

 

 

 

 

 

 

 

 

 

 

1. What American coins do you know?

 

 

 

 

 

 

 

 

 

2. What are the denominations of American paper money?

 

 

 

 

 

 

3. Are fifty and one-hundred dollar bills common?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

4 4

 

 

 

 

 

 

 

 

 

4.

What is the procedure of paying with a credit card?

5.

Why are the bills sent by a credit card company? H o w large is the interest

 

the companies charge?

6.

Why is it necessary to have enough money in your account if you have a

credit card?

7. What happens if your check bounces?

Ex.2. Insert the prepositions.

1.American money comes ... coins.

2.Paper money is in denominations ... 1, 5, 10, 20 dollars.

3. If your traveller's check is lost, you'll have your money ...

4.The clerk looked closely ... the bill.

5.He paid ...the purchase ...his credit card.

6.Do you have enough money ... your account?

Ex.3. Complete the following.

1.American money comes in coins

2.Half dollars

3.Don't be surprised if.

4.If traveller's cheque is lost

5.Your checks should be in dollars, otherwise

6.

K e e p a record

of y o u r

c h e q u e s

 

 

7.

T h e

sales p e r s o n will

ask

you.......

.,

 

8.

The

credit

c a r d

c o m p a n y

s e n d s y o u a

bill

 

').

If your check bounces

 

 

 

10. Be sure you have enough money

 

 

Ex.4.

Complete the sentences with the

correct

preposition from the box.

Then

answer

the

questions.

 

 

 

To

 

on

by

for

off

from

into

1. Are you currently paying ... a loan?

2. Does your bank pay interest... your cheque account?

3.Do you often get money ... a cash machine?

4.Is your salary paid directly ... your bank account?

5. Do you ever borrow money ...friends?

6.Do you ever lend money ... friends?

7.Do you usually pay ... clothes and shoes ... credit card?

45

 

 

 

 

 

 

 

 

G R A M M A R

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CONDITIONAL

 

 

SENTENCES

 

 

 

 

 

 

 

 

 

 

 

 

 

Future Possible

 

 

 

 

 

 

 

 

A

conditional sentence has two clauses: the

dependent

clause

begin-

ning

with if and the main clause. The dependent

clause

is

in

the

Present Tense

and

the

main clause

is

in

the Future

Tense.

 

 

 

 

 

 

 

 

 

 

If he

studies

hard, he

will pass his

exam.

 

 

 

 

 

 

 

 

 

 

 

 

Present Unreal

 

 

 

 

 

 

 

 

In

a

present-unreal conditional sentence, the

dependent

clause

is

in

the

Past

Tense

and

 

the

main

clause

uses

would,

should,

could

or

might.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

If he

studied

hard,

he

 

would pass

his

exam.

 

 

 

 

 

 

 

 

 

 

 

 

Past Unreal

 

 

 

 

 

 

 

 

 

In

a

past-unreal conditional sentence, the dependent clause

is

in

the

Past

Perfect

and

the

main

clause

 

uses

would

have,

should

have

or

might

have.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

If he had studied hard,

he.

would

have passed his exam.

 

 

 

Ex

J.

Supply

the

correct

form of

the

verb

in

brackets.

 

 

 

 

 

1.

If the bank is open, he (take) money.

 

 

 

 

 

 

 

 

 

 

 

2.

If the bank were open, he (take) money.

 

 

 

 

 

 

 

 

 

 

3.

If the bank had been open, he (take) money.

 

 

 

 

 

 

 

 

4.

If

your

checks had

not

been

in

dollars,

it

(take)

you

a

long time

to exchange them.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

5.

If you (run out) of money, you can take it from your bank.

 

 

 

 

6.

If you (have) a credit card, you can travel safely.

 

 

 

 

 

 

7.

If (sell) traveller's cheques, it wouldn't have happened.

 

 

 

 

 

8.

If

you

(want)

to

buy a

Eurocheque,

you

should go

to

an

American

bank.

9.Credit cards can be cancelled, if they (be lost).

10.If you (take) my advice, you would have carried money safely.

Ex.2. Translate into English:

1. .HKGH Hami 6aHKH npamoBaJiH ni3Hiiue, BOHH 6 3ajiyHanH Gijibuie

KjiieHTiB.

2.

iliaijo y B a c 3aKiHHHHHca rpouii, BH MoaceTe B3ara i'x y Gamcy.

3. iteGn BH no,zryMajiH, BH 6 He 6pajw 3 coGoro CTIJIBKH roTiBKH.

4. .HKGH BiH GyB Ginbiu yBa*HHM, BJH 6 H He 3 a r y 6 n B CBOT MCKH.

5.

^IKHJO MeHe nonpocaTb, a noica>Ky npaBa Bo;ria.

6.

# K 6 H BH 3aom,ajiKyBai[H rpouii, BH 6 3MorjiH noi'xa™ y Bi/mycTKy.

7.

5IKIII,O noi3fl 3ani3HHTbc>i, BH He 3Mo>KeTe noGaHHTHca 3 /xpy3aMH.

8.

.HKGH a 6yB Ha Bamoivry Miciii, a G He niiinHcyBaB KOHTpaKT.

9.i h o u o BOHH AiHflyTb srojin, KOHTpaKT Gyne nijanHcaHO.

10.JIK6H BH noKBannjiHCb, BH 6 BcrarjiH /JO Gamcy jio 3 a K p H r r a .

Ex.3. Write what you will or may do if the following happens.

MODEL: If my employer offers me a job in Great Britain, I'll accept.

1. Your organization c l o s e s d o w n .

2. You g e t a n e w job.

3. You g e t a c h a n c e to do a m o n t h ' s English c o u r s e in Australia.

4 .

You

fall

d o w n a n d

b r e a k

y o u r l e g .

5 .

You

l o s e

y o u r t r a v e l l e r ' s

card .

6.

You wi n a Ferrari in

a c o m p e t i t i o n .

7. A friend offers to lend you bis car for a month,

8. Y o u r c o m p a n v ask s you to lean) Chinese.

UNIT 8

OPENING ANA CCIOUNT

s a v i n g s a c c o u n t - oiuaflHHH paxyHOK spare m o n e y - BijibHi r p o m i

c h e c k i n g a c c o u n t - HCKOBHH paxyHOK initial d e p o s i t - noHaTKOBHH BHecoK to m a i n t a i n - 36epira™

a v e r a g e d a i l y , b a l a n c e - cepe/mi n mo,aeHHHH GajiaHc c a s h w i t h d r a w a l - BHJiyneHHa, 3HiMaHH» rponieH

to a v o i d - yHHKaTH, yxHjiaTHCb interest - npoueHTH (Ha KaniTaji)

p r o f i t a b l e - npHGyTKOBHH, BHriaHHH a p p l i c a t i o n - dpopMa, GjiaHK

d e p o s i t t i c k e t - npHGyTKOBHH opjrep p a s s - b o o k - oiuajTHa KHHKKa

4 7

4 6

Read and discuss the dialogue.

-Good morning.

-Good morning, sir. Can I help you?

-Yes, I think so. I would like to open an account.

- What kind of are you interested in?

-You see, I have some spare money to put into the bank.

-Then you should open either a savings or checking account.

-I ' m afraid I know nothing about either of them. Could you tell me the difference between these two accounts?

-A small initial deposit is necessary to open a savings account at our bank. If it is more than five hundred dollars and you maintain this amount, then you won't be charged for banking services. Otherwise you will be charged five dollars a month.

- So, I must keep a minimum balance of $500, is that correct?

- Yes, that's right. Our computers check your average daily balance. - And will I get a banking card after opening an account?

-Yes, certainly. And then you can get your money through machine services. You can make deposits, cash withdrawals and balance inquiries with your card. The machine is at work 24 hours a day.

- It's very convenient. And may I ask what a checking account means? - Certainly, sir. After opening a checking account you are supposed to

maintain au ava:>ge daily balance t"fVi 000. - And what if I fail r-eiow this limit?

-Then you would have to pay a service charge of six dollars a month, and besides you will be charged 25 cents for each check and the same amount for each cash withdrawal.

-1 see. And can I avoid it somehow?

-Yes, of course. It may be done by keeping your $1,000 in your checking account.

-And how much interest do you pay?

-Interest of 6,5% is paid when your average daily balance is over $2,500. We credit the interest you've earned automatically to your account.

-Well, it's clear enough, but I intended to put only $1,000 into the account.

- Then it would be more profitable for you to open a savings account.

-Okey. I've made up my mind. I will open a savings account with a deposit of one thousand dollars.

-Fine. Will you fill out this application?

-Is everything correct?

- Yes, everything is all right. And now you need to write a deposit ticket for $1,000.

4 8

-Just a moment.

-Thank you, sir. Here is your pass-book. The bank w i l l pay you 5,5% interest.

-Thank you. You were most helpful.

Ex.1. Answer the questions.

1.What is savings account?

2.What is required in order not to be charged for banking services?

3.How large is an initial deposit?

4. How much is the charge?

5. What is the minimum daily balance?

6. How could you get your money?

7. When is the machine at work?

8. What is t h e checking account?

9.What is the average daily balance for checking account?

10.And what if you fall below this limit?

11. How much interest is paid if the daily average balance is over $2,50 12.What is the payment for each check made out and for each ca withdrawal?

13. How can you avoid it?

Ex.2. Give the English for:

omaflimii paxvHOK; Bijibui rpouii; noMaiKOBHii BKjiaii; oanKJBCbKi onepauii; cepe/miri inoiieininii 6a;ianc; 3Hi.\iaHHa rpouteil; yHHKara; 6i.'ii.ui BurioHo; B i m u o M y pa3i; n p n 6 y T K O B n n opaep; aaBa™ npoueHTn; M a r a

Haviip; 3anoBHK»BaTH (bopMy; omaflHa KHH>KKa; npuHMara pimeHHH .

Ex.3. Insert prepositions where necessary.

1. What kind ... account are you interested

... ?

2.1 know nothing ...

it.

 

 

3. What is the difference ...

them?

 

4. You would be charged ...

banking services.

5. I'll get my money

... machine services ...

my card.

6.You should not fall... this limit.

7.You would have to pay a service charge ... six dollars.

8.Can I avoid it... somehow?

9.It may be done ... keeping it.

10.And now fill... this application.

4 9

Ex.4. Act as an

interpreter.

1. — What kind

of account are you interested in?

— M e m 6 xoiijioc a BijiKpHTH ouraOTHH paxyHOK.

2. - Is the initial deposit large?

— Hi. Ycboro Jinine 1000 jrpjiapiB.

3. - Why should I maintain this amount?

— iHaKine BaM flOBe/reTbca njiaTHTH 3a GaHKiBCbKi nocjiyrn.

4. - What do computers check ?

— Ham KOMn'ioTep nijrcyMOBye Bci Bi/moBiixHi moireHHi u,H(bpH.

5. — When could I get my m o n e y ?

— B H MO>KeTe OTpHMara CBOI rpouii y 6yiib-aKHH nac AO 6 H, Kopn-

CTyiOHHCb HaiHHMH aBTOMaTaMH.

 

 

 

 

 

 

6. - What else is required?

 

 

 

 

 

 

 

- 3anoBHiT b uio (bopMy i npn6yTKOBHH opjjep.

 

 

 

 

7.

— Is there a m i n i m u m balance required?

 

 

 

 

nepeflSanaeTbca,

mo

BH 36epe>KeTe cepejjmH

mofleHHHH 6a-

jiaHC p o 3 M i p o M 1000 flOJiapiB.

 

 

 

 

 

 

8. — What else is required?

 

 

 

 

 

 

BaM AOBCieibca

m i a n i m

25

neirriB

3a

KO>KHHH

BnnncaniiH

Meic i 25 neHxiB sa

KTOKHB

BiuiyMeniia

i pouieii

3 6anKiBCi>KOi o

paxyHKa.

 

 

 

 

 

 

 

 

 

9. - How much interest do you pay?

 

 

 

 

 

 

>1 Kino

na BamoMV

paxyHKy

6yjxe He

Menuie

2500

jjojiapiB,

BaM HaJIOKHTb 6,5%.

 

 

 

 

 

 

 

 

10 — I w o u l d

like to open

a checkin g

account with

a deposit of $1,500.

Is that O.K.?

 

 

 

 

 

 

 

 

 

Yce rapa3fl . BH MO>KeTe 3aMOBHTH neKOBi KHH>KKH aK TijibKH

3anoBHHTe GjiaHK 3aaBH i TajioH Ha aeno3HT .

Ex.5. Match the banking

terms in A with

their definitions in B.

A

 

B

 

1.

loan

a. put m o n e y into a bank account

2.

interest

b. take m o n e y from a bank account

3.

check account

c. m o n e y w h i c h is

lent

4.

deposit

d. account u s e d for investment

5.

mortgage

e . piece of business done

6. withdraw

f. loan to b u y property

7.

savings account

g. account used for day-to-day bankini

8.

transaction

h. m o n e y earned from investments

 

 

or paid on a loan

 

 

 

50

 

Ex.6. Translate into English.

1.il XOTJB 6H BiflKpHTH GaHKJBCbKHH paXVHOK.

2.MeHi Gijibiu BHrijiHo BiiXKpHTH oma^HHH paxyHOK.

3. B H noBHHHi BHCCTH jinme HeBejiHKHfl nonaTKOBHH BHCCOK.

4. .HKIUO Ha BamoMy paxyHKy BHaBHTbca MeHiue, Hi>K 500 jjojiapiB, 3 Bac Gy^yTb yTpHMyBaTH no 5 jjojiapiB Ha Micau,b.

5. Ham 6aHK BHMarae, mo6 BH 36epirajiH MiHiMajibHy cyMy.

6.H,e Ha3HBaeTbca niojjeHHHM 6anaHCOM.

7.KOJIH a 3MO>Ky OTpHMaTH KapTKy zuia 6aHKiBCbKoro aBTOMaTa?

8.

9L B>Ke npHHHaB pimeHHa. "A 3po6jii o BHecoK y po3Mipi THcani JjojiapiB.

9.

3 a n o B H i T b , Gy^b nacKa, dpopMy i npn6yTKOBHH op^ep .

10.

^IKUJO y Bac

e nHTaHHa CTOCOBHO dpopMH, a 3 p a m c ™ BaM jronoMO>Ky.

Ex.

7. Make the

sentences complete.

1. I'd like to

 

2. What kind of account

3. Could y o u tell me the difference

4 . 1

must k e e p

 

5.

What if I fall

 

6. How much interest

7. You ca n avoid it

8. You ar e supposed to maintain

9. It would be more profitable

10. Will you fill

11. Thank you , y o u were

Ex. 8. Read the text about a direct banking service and answer the following questions:

1.Do banks in our country offer services similar to those offered by Bankserve?

2. Which of Bankserve's services would be the most useful for you personally?

Bankserve is the banking service for busy people. With a Bankserve check account you may enjoy the following benefits:

Competitive interest rates when your account is in credit.

Interest is calculated daily and added to your account every month. You will receive a check book and a $100 check guarantee card.

51

You can withdraw up to $500 per day through a network of 1,000 cash machines across the country.

You can transact all your business over the telephone day and night. You can pay bills with just one telephone call.

Ex. 9. Dramatize the situation.

1.You want to open a bank account. Make inquiries about it.

2.You are a clerk at the bank. Give the client all the necessary information concerning opening a savings account.

3.You are a client. You would like to know how to open a checking account.

G R A M M A R

REVISION

Translate into Ukrainian.

1.The labor productivity gains recently achieved by British manufacturers have been substantial.

2

. Extra output per hour has flowed overwhelmingly from substantial

 

 

reductions in the hours worked.

 

3

. Among

the

most

frequently used systems are various forms of individual

 

 

payment — by results schemes and schemes which pay a flat rate and

 

 

broadly coine under the day-work heading.

 

4

. Detailed market

research must be undertaken

before entering any new

 

 

market.

 

 

 

 

5.

A thorough understanding of the distribution system and its options is

 

 

vital.

 

 

 

 

6.

There

are

four

distribution options: to use

a trading company^ to

 

 

use a well-established wholesaler or agent, to set up your own

 

 

distribution system or to set up your own manufacturing operation.

7.It is also vital to prepare for initial contacts.

8.

The

central question which

management has

to

resolve

is

which

 

of

the

various methods of

acquiring commodity

is the

right

one

 

for a particular company at a given time.

 

 

 

 

 

9.

In spite of the flexibility

and availability of

allowances,

 

outright

 

purchase has its disadvantages.

 

 

 

 

 

10.

Cash flow can be predicted, which simplifies

budgeting

and

fi-

 

nancial

planning.

 

 

 

 

 

 

LETS LAUGH A LITTLE

A:Weren't you upset when the bank went smash?

B:No, I only lost my balance.

 

 

 

 

U.WTV

 

 

 

 

 

 

 

 

 

(VMMI

A/C177.\'G'

ACROSS

 

CVLTUliES

 

 

 

 

Topical words:

 

 

6araTOKyjtbTypHHH

 

 

 

 

 

multicultural

 

 

 

 

 

 

 

 

 

npncTocoByBaTHCfl

 

 

 

 

 

adapt

 

 

 

 

 

 

 

 

 

cycniJibCTBO,

rpoMa^a

 

 

 

 

c o m m u n i t y

 

 

 

 

 

 

 

 

 

HeynepeflHceHHH

 

 

 

 

 

open-minded

 

 

 

 

 

 

 

 

 

 

 

cyflHTn(npo)

 

 

 

 

 

 

to judge

 

 

 

 

 

 

 

 

 

 

 

 

BiflMiHHOCTi

 

 

 

 

 

 

differences

 

 

 

 

 

 

 

 

 

 

 

 

BH/fflMHH,

8BHHH

 

 

 

 

 

visible

 

 

 

 

 

 

 

 

 

 

 

HeBHflHMHH,

He3pHMHH

 

 

 

 

Ant.

invisible

 

 

 

 

 

 

 

 

 

 

HyTJIHBHH

 

 

 

 

 

 

 

sensitive

 

 

 

 

 

 

 

 

 

 

 

 

 

06pa3JIHBHH

 

 

 

 

 

 

offensive

 

 

 

 

 

 

 

 

 

 

 

 

noaeiiK)Barn, posTJiyMatyBatu

 

 

 

to interpret

 

 

 

 

 

 

 

 

 

mnpnH

 

 

 

 

 

 

 

genuine

 

 

 

 

 

 

 

 

 

 

 

 

 

pyKOCTHCKaHHS

 

 

 

 

 

handshaking

 

 

 

 

 

 

 

 

 

 

 

Bi3HTHa KapTKa, Bi3HTKa

 

 

 

business card

 

 

 

 

 

 

 

 

 

noflapyHOK

 

 

 

 

 

 

gift

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Henopo3yMJHHH

 

 

 

 

 

misunderstanding

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Read and discuss the text.

 

 

 

 

 

 

 

 

 

 

 

WHA

T

MAKES A

MUL TICUL TURAL

PERSON?

 

 

 

 

Before we discuss the qualities a multicultural person, or

multiculturalist, needs

to have, it is necessary to explain this term.

 

 

 

A

multiculturalist

is

someone

who

can

easily

adapt

to

living

in

a

culture different

from their own, the sort of person that could be

described as a citizen of the

world, or a member of a global commu-

nity. There are four key

qualities

you

need

in

order

to

be

a

multiculturalist.

 

 

 

 

 

 

 

 

 

 

 

 

 

The first

is

to be open-minded, which means not judging one cul-

ture as better than

another,

or

believing

that the

way

things

are

done

52

53

in your

culture is the best or the only way of doing things. In

other

words, you should not be in any way "ethnocentric".

 

 

 

Second, you must be adaptable. To live successfully in another

culture,

particularly in one that is very

different from your

own,

you

have to

adapt to differences: not only

visible differences of

food,

cli-

mate, customs, but also to the invisible differences — the ways in which

people

of other cultures understand and interpret the world, and their

different

values.

 

 

 

 

 

 

 

 

 

 

 

Third, you need to be sensitive. That means being able to see things

from the other person's point of view

and being careful to avoid doing

things

that people of other culture

might find strange or offensive,

even if in your culture such things are quite OK.

 

 

 

 

 

 

Fourth, you need to be interested in other cultures, which is closely

related

to the

three

qualities

mentioned

above.

A

multiculturalist

is

a person who has a genuine interest

in people of other cultures, who

wants

to

learn

their

language, find

out

about

their

country

and

its

history,

 

and

develop

a real

understanding

of their

culture.

Perhaps,

it's this quality, more than any

other,

which

best describes

a

multicultural

person.

 

 

 

 

 

 

 

 

 

Ex. 1.

Answer

ike questions.

 

 

 

 

 

 

 

 

1. What kind

of person

can be called a multiculturalist?

 

 

 

2. What does "to be open-minded" mean?

 

 

 

 

 

 

3. What visible and invisible differences do people have to adapt living in another culture?

4. How does a sensitive person see the world?

5.Should a multicultural person be interested in other cultures?

6.How does a real multiculturalist demonstrate his interest in other cultures?

Ex.2. Give English equivalents for:

npHCTocoByBaracH, rpoMa/yiHHH cBixy,

raoGajibHe

cycniubcxBO,

HeynepezpKeHHH, cy/wra (npo), ycniumo, xpajxHiiii', HyxjiHBHH, 3 TOHKH

30py JHUIOl JlIOflHHH, yHHKaTH, 06pa3HHBHH, MaTH xiCHHH 3B'330K 3

iimpa 3auiKaBJieHicxb

Ex.3. Make the following

sentences

complete.

1. A person who can easily

 

is a multiculturalist.

2. To be a multicultural person you need

3. Not to be "ethnocentric" you should be open-minded, which means

54

4. Visible differences you have to adapt living in another culture include

5.

Invisible differences are

 

6.

Being sensitive means

 

7.

A multicultural person has a genuine interest

and wants to

Ex.4. Discuss the questions in class.

1.What does being a multiculturalist mean to you?

2.Which other qualities do you think a multiculturalist should have?

3.Would you describe yourself as a multicultural person? Why?

Read and discuss the texts.

 

 

A

British

manager is talking about social customs.

He

is

giving

ad-

vice

about

 

three

different

countries

to

a

group

of

his

colleagues

who

are

going

abroad

on

business.

 

 

 

 

 

 

 

 

 

 

Text

1

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

It's

 

very

important to know about the differences in culture be-

tween your country and the country you are going to visit or you

are

working in. You can make mistakes and

offend

people

if

you don't

know the customs.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Handshaking is the first example. In this country they shake hands

much more than we do. So you mustn't forget to do that.

 

 

 

 

 

 

Another difference is that at work they use first names much

less

than

we do

here

in

Britain.

So

it's

preferable

to

call

people

by

their

family

names.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Food and wine take a very important place in this country, so at a

business

lunch

never

start

discussing

business

immediately.

That

might

seem

like

bad manners. If you get an invitation to a person's

home,

take

good

chocolates, flowers, or a good bottle of cognac. Don't

take wine: they drink it every day — it's too ordinary...

 

 

 

 

 

Text

2

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

In

Britain

we

sometimes are five or

ten minutes late

for

a meeting

but in this country you should arrive on time, because people are very

punctual, especially

in work situations. They usually arrive at the

arranged time or even

earlier.

Family names are more common at work. People often use titles — Doctor, Professor, and so on. Please, remember to do the same. Your foreign colleague will tell you if he or she wants you to use their first name.

55

Y ou shouldn't try to be humorous or make jokes with people you

don't know well, because it might make them

feel uncomfortable.

Business meetings are usually very serious. At

a first meeting

it's

normal to exchange business cards, but I don't

recommend you to

do

this until the end of the meeting.

 

 

 

For social invitations, flowers or chocolates

are

suitable gifts. And

 

you should give an odd number of flowers, say, seven or eleven, and present

them without the wrapping paper...

Text 3

 

 

 

 

 

 

When you go to this

country, take plenty of business cards

with

you. They usually exchange

cards at the beginning of a meeting,

and

they always read your card

very carefully. You should do the

same

with theirs. If you don't, they might think it rude.

 

If you want to succeed in business, you must learn to be patient,

because it

takes

longer to make

decisions

in this country than it

does

in Britain.

And

don't forget

that

when they

say "Yes", they may

mean

"I understand", but not "I agree". It may cause misunderstanding.

 

And

a final piece of advice — it's not common, but if you invited to

a person's home, remember to take off your shoes before going inside. So make sure you are wearing clean socks!

Ex. I.

Say

the

fallowing

in English:

 

 

 

 

 

 

 

Bi.'JMiHHocri y Kyjiwypi, poGnrn noMHJiKH, oSpaaca™,

n o n i c K a r n

pyKii,

ooroBopiOBaTH

cnpaiui,

?ani mioBarucb

na

ioopii,

unaciio,

/KapryBaiH,

ooMimoBaTuca

BnuTKaMH,

 

oGropnca,

 

rpyoitfi.

Henopo3yMmHfl.

 

 

 

 

 

 

 

 

Ex.2.

You are giving advice to your new class

mate. Decide

what

a new

person

must/mustn't,

should/shouldn't, needn't

do.

Read

the

list below. If

necessary,

add

more

ideas.

 

 

 

 

 

 

 

 

 

M O D E L . You

mustn't smoke

in class.

 

 

 

Introduce yourself

Ask questions

• Tell people if you have problems

Arrive punctually every day

Be late for the lesson

Have a daily meeting with your English teacher

Try to learn people's names

Practise speaking English as much as possible

56

Wear a uniform

Use teacher's first name in class

Ex.5.

Discuss

in

class if these statements

are

true about cus-

toms

in your

country.

 

 

 

 

 

 

Yes

No

It depends

Friends and colleagues do not shake hands every day. They shake hands only when they meet for the first time.

In work situations business people exchange business cards at a first meeting.

It's very important to be punctual.

Students use teachers' first names in class.

Colleagues generally use family names at work.

People don't usually socialize with their colleagues outside working hours. They prefer to keep their work and private life separate.

When you're invited to a birthday party to your friend's home, it's usual to arrive

hal f an hour later.

• When people give flowers as a gift, they give an odd, not an even, number, and in wrapping paper.

Ex.6. GIVING ADVICE. Your neighbour is a foreign visitor. Answer your

neighbour's questions about your culture.

1. Tell me about your day-to-day living. Do you pay tips in cafes, bars, restaurants? And fast-food places? What about taxis? -

57

2. How about shopping? My job will keep me busy five days a week, so

when is the

best

time to make

a big

weekly

shopping?

On a

week-

day

evening?

On

Saturday

or

Sunday

morning?

-

 

 

3. Where is the best place to make my shopping? -

 

 

 

 

4.

What do you think I should do to get to

know the

city?

Where

should I go? What should I do? Is there anything I should avoid?

 

5.

Do foreigners have to do

anything official:

for

example, to

register

with the local police? Do I need to carry my identity card? Is there anything

I shouldn't

do as a foreigner?

 

 

 

 

 

 

Read and discuss the text.

 

 

 

 

 

 

Oxford

University

research

psychologist,

Dr

Peter

Collett,

examined

some

of the

differences

in

the

"body

language" among

Europeans.

 

 

 

CULTURALDIFFERENCES

IN

BODY

LANGUAGE

 

 

Dr

Collett says

that

if we

compare the

way

different

European

nations use gestures, they fall into three major groups. The Nordic nations belong to the first group. These are the Swedes, Finns, Norwegians, and Danes. They use gestures very little. The second group, which includes the British, Germans, Dutch, Belgians, and Russians, use some gestures when

they are excited, or want to communicate over long distances, or insult

each other. The third group use gestures a lot, to emphasize what they are saying, or to hold the other person's attention. They are the Italians, Greeks, French, Spanish, and Portuguese.

The distance that separates one person from another - "personal space"— also varies between people of different nationalities. What is right

for one nationality may be uncomfortable for another. People stand close

enough to touch each other easily in such countries as France, Spain,

Greece, and Italy. British zoologist, Desmond Morris calls this the "elbow

zone". In the countries

of

East

Europe such

as Hungary,

Poland,

and Romania, people stand

a

"wrist zone", that is a little more distant.

They are close enough to

touch wrists. But in the Scandinavian coun-

tries, in Britain, Holland,

Belgium,

and Germany,

people stand

further

away from each other - the "fingertips zone".

Ex.1. Give name to each paragraph of this text.

Ex.2. Answer the questions.

1. Which nationalities in Europe usually use a lot of gestures when

they speak?

2. Which nationalities in Europe usually use very few gestures when

they speak?

3. What is a "personal space"?

4. Why does a north European move away form the person he is talking to?

5. Which nationalities move closer to the person they are talking to?

Why?

6. Which nationalities stand a "wrist zone"?

Ex.3.

Match

the adjectives

to

the

appropriate

descriptions

 

 

Adjective

 

 

 

A

person

who...

A

 

efficient

 

1

arrives on

time

 

 

 

 

 

isn't rude

 

 

 

 

B

sociable

2

 

 

 

 

 

C

punctual

3

enjoys the company of other people

D

agreeable

4

always tells the truth

 

 

E

honest

 

 

5

adapts successfully to various situations

F

patient

 

 

6

really means what he or she says

G

polite

 

 

7

waits without getting angry

H

ambitious

8

doesn't waste time and works well

I

sincere

 

 

9

is pleasant and friendly

J

flexible

10

wants to succeed

 

 

 

Ex.4.

Turn adjectives from

the

exercise 3

to

nouns.

M O D E L . Efficient

-

efficiency

 

 

 

 

 

 

Ex.5.

Do the

quiz.

Then

you

may

check your answers with the 'Answer

Key'.

 

 

 

 

 

 

 

 

 

 

 

 

58

59

 

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