W hen a man t e lls you he g o t rich th ro u g h

hard w o rk, a sk him: Whose?

Don Marquis, US Writer

2A Spend or save?

1 V O C A B U L A R Y money C o m p le t e th e a d v e r t is e m e n t w it h th e w o r d s i n th e b o x .

ATM b en k-aeeo tm f bills coin loan

a C o m p le t e th e s e n t e n c e s w it h th e c o r r e c t v e r b
m ortgage salary taxes
in p a r e n th e s e s .

1 M y s is te r wastes a lo t o f m o n e y o n c lo th e s she
n e v e r w ea rs, (w astes / saves)
2 I c a n 't ___________________ to b u y a h o u s e o f m y o w n .
(pay / a ffo rd )
3 Y o u ’ l l have t o ___________________ a lo t o f m o n e y i f y o u
w a n t to tra v e l a r o u n d th e w o r ld n e x t year, (co st / save)
4 K e v i n ___________________ a b o u t $ 2 ,5 0 0 a m o n th at h is
n e w job . ( w in s / e a rn s)
5 T h a t p a in t in g ___________________ a lo t o f m oney.
(charges / is w o rth )
6 M y u n c le is d o in g a b ik e r id e t o ___________________ W hafs so good about
m o n e y fo r c h a rity , (raise / save)
7 W e s t i l l ___________________ th e b a n k a lo t o f m oney.
CASH Internet Banking pic
(ow e / earn)
OUR ACCOUNT SERVICES
8 M a r y ___________________ $ 5 ,0 0 0 f r o m h e r g ra n d fa th e r
w h e n he d ie d , ( in h e rite d / in ve ste d ) Open a 1 b a n k a c c o u n t with us and we'll give
you a free g ift - you'll get a tab le t co m p ute r if
9 T h e p lu m b e r ___________________ m e $ 2 5 0 to f ix m y
you earn over $3,000 a m onth. C onsult our online
sh o w e r, (co st / ch a rg e d )
service 24/7 and use your card in t h e 2____________
10 C a n y o u ___________________m e $ 2 0 0 u n t il I g et p a id ?
o f any bank to take out as much o r as little m oney as
( b o r r o w / le n d )
you want. Do you have a lot o f change? Use our free
b C o m p le t e th e s e n t e n c e s w it h th e c o r r e c t p r e p o s it io n . 3 ____________ counter and dep o sit the tota l directly
into your savings account. Does your com pany pay
1 I’l l p a y fo r th e m o v ie tic k e ts i f y o u get th e sn acks!
y o u r 4____________ d ire ctly into the bank? Then we
2 T h e y ch a rg e d u s $ 5 ______________ a b o ttle o f w ater.
w o n 't charge you anything fo r your card. W e’ll even
3 T h e y g o t ______________ d e b t w h e n th e y b o u g h t th e ir pay all y o u r 5____________ fo r you, free o f charge.
n e w house.
4 W e b o r r o w e d s o m e m o n e y ______________m y p a re n ts.
OUR FINANCING SERVICES
5 M y g ra n d p a re n ts a lw a y s p a y ______________ ca sh .
6 I d o n 't m in d le n d in g m o n e y ______________ fa m ily . Do you need to borrow m oney for a car, a vacation,
o r a new laptop? We'll give you a 6____________ of
7 T h e y s p e n t a lo t o f m o n e y ______________ t h e ir so n 's
up to $ 10 ,0 0 0 fo r w hatever you w ant to buy.
e d u c a tio n .
And how about a new house? We can give you a
8 C a n I p a y ______________ c r e d it c a rd ?
7____________ at one o f the lowest interest rates
9 P h il in v e s te d a ll h is m o n e y ______________ h is
on the market.
o w n com pany.

OUR EXTRA SERVICES

How m uch do you pay in 8____________ ? Talk to
our sp ecialists to make sure you're paying the right
am ount - the y can help you pay less.
Com e to CASH Internet fo r the best accounts, the
best services, and the best savings.

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 2 P R O N U N C IA T IO N the letter o 4 R E A D IN G
a ( C ir c le ) th e w o r d w it h a d if f e r e n t s o u n d . a R e a d th e f ir s t c h a p t e r o f a b o o k a b o u t D a n ie l
S u e lo o n c e . W h e r e d id h e d e c id e to liv e ?
2
3 (J Q S 1 w it h fr ie n d s L II 3 in th e c o u n t r y
1 A
i 2 w it h f a m ily LH 4 in a c it y
up clock phone horse bird

The man who

money honest done afford w ork
nothing shopping owe worse world
(soldj) dollar go store sh ort

b
won clothes loan m ortgage w o rth

L is t e n a n d c h e c k . T h e n lis t e n a g a in a n d r e p e a t
th e w o r d s .
3 G R A M M A R present perfect and simple past
a (^Trcle) th e c o r r e c t a n s w e r.
1 \(haye neverowedj)/ never o w ed a n y m o n e y to th e b a n k in m y life .
2 T h e y hav e cha rg ed / c ha r g e d u s to o m u c h f o r o u r m e a l la s t n ig h t.
3 I k n o w so m e g re a t ch e a p p la c e s to sta y in S e o u l. I've b ee n / 1 went
th e re a fe w tim e s .
4 Paul has n ’t in h e rite d / did n ’t in h erit a n y t h in g f r o m h is
g r a n d m o th e r w h e n sh e d ie d .
5 You’ve len t I y o u len t h im m o n e y s o m a n y tim e s , b u t h e n e v e r
p a y s y o u b a ck!
6 H o w m uch has y o u r T V co s t / did y o u r T V co s t?
7 H o w m a n y t im e s hav e y o u was te d / did y o u waste m o n e y o n
c lo th e s y o u n e v e r w e a r?
8 I hav e n ’t had / did n ’t hav e a n y c o in s , s o I c o u ld n 't p u t a n y m o n e y
in th e p a r k in g m e te r.
9 Havey o u ever invested / D idy o u ever invest an y m o n e y in a co m p a n y ?
10 M y g ir lf r ie n d h a s a h ig h - p a y in g jo b . S h e has e a r n e d / e a r n e d
$ 8 5 , 0 0 0 la s t year.
b C o m p le t e th e d ia lo g u e s w it h th e c o r r e c t f o r m o f th e v e r b s in
p a r e n th e s e s .
1 A When did your son buy his car? (buy!
B When h e ___________ his driving te s t last m onth, (pass)
2 A How much m o n ey_________ y o u _________ fro m your sister
yesterday? (borrow)
B About $100, but I already__________________ it all. (spend)
3 A _________ y o u _________ a new house yet? (find)
B Yes, and the bank__________________ to give me a mortgage.
(agree)
4 A _________ you ever_________ any money to a friend? (lend)
B Only to my boyfriend when h e _________ a new phone, (need)
5 A _________ your m o th e r_________ an appointm ent w ith the
d octo r yet? (make)
B Yes, she_________ him yesterday and she’s seeing him
tomorrow, (call)
quit money
I
n the firs t year o f the tw e n ty -firs t
century, a man standing by a busy
road in the middle o f the United
States took his life savings o u t o f
his pocket - $30 - laid it inside a
phone booth, and walked away.
He was 39 years old, came from
a good family, and had been to
college. He was not mentally ill,
nor did he have any problems
w ith drugs o r alcohol. The decision was
made by a man who knew exactly w hat he was doing.
In the twelve years since then, as the stock market
has risen and fallen, Daniel Suelo has n o t earned,
received, o r spent a single dollar. In an era when
anyone who could sign his name could get a
mortgage, Suelo did not apply fo r loans. As public
debt rose to eight, ten, and finally th irte e n trillion
dollars, he did not pay taxes, o r accept any type of
help from the government.
Instead he w ent to live in a cave in Utah, where he
picks fru it and wild onions, collects animals th a t have
been killed on the road, takes old food th a t has
gone past its sell-by date o u t o f trash cans, and is
o fte n fed by friends and strangers. “ My philosophy
is to use only w hat is freely given or d is c a rd e d h e
writes. While the rest o f us try to deal w ith taxes,
mortgages, retirem ent plans, and bank accounts,
Suelo no longer even has an ID card.
Daniel is n o t a typical tram p. He o fte n w orks - but
refuses to be paid. A lthough he lives in a cave,
he is extrem ely social, remains close to friends
and family, and has discussions w ith strangers on
his website w hich he checks a t th e local library.
He has ridden his bike long distances, traveled on
fre ig h t trains, hitchhiked throu g h nearly every state
in the United States, worked on a fishing boat,
collected mussels from Pacific beaches, caught
salmon in streams in Alaska, and spent three
m onths living in a tree a fte r a storm .
“ I know it’s possible to live w ith zero m oney” Suelo
declares. And he says you can live well.

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