FG(10) – Unit 6: Money Teacher-in-charge: Nguyen Thuy Lien (0903.141.

108)

UNIT 6:
MONEY
EXERCISE 1: PHONOLOGY – Indicate the word whose underlined parts differ from the other three in
pronunciation.
1) A. donate
(PRACTICE)
B. florist C. optician D. swap
2) A. promise B. devise C. surprise D. realise
3) A. technical B. vital C. essential D. institute
4) A. afford B. bargain C. crafty D. demand
5) A. chopsticks B. receipt C. slippery D. bookkeeping
6) A. estate B. steward C. retailing D. degree
7) A. afforded B. learned C. dogged D. retained
8) A. coupon B. acoustic C. although D. route
9) A. roughly B. sum C. utter D. union
10) A. absolute B. probable C. jobless D. debtor
EXERCISE 2: PHONOLOGY – Indicate the word that differs from the other three in the position of primary
stress.
1) A. refund B. region C. reject D. record
2) A. contractual B. affordable C. entrepreneur D. identify
3) A. reception B. represent C. launderette D. recommend
4) A. conditional B. economist C. economic D. aquarium
5) A. estimate B. departure C. qualify D. optical
6) A. utmost B. bumpy C. crafty D. appeal
7) A. marine B. define C. engage D. refund (n)
8) A. thoroughly B. valueless C. devalue D. retailer
9) A. service B. device C. advice D. devise
10) A. automatic B. economical C. postgraduate D. institution
EXERCISE 3: USE OF ENGLISH – Choose the=) correct answer to complete the following sentences
1) ______ money is difficult to distinguish.
A. Counterfeit B. False C. Fake D. Artificial
2) At this bank you can get 14% ______ on your savings.
A. rate B. rent C. interest D. salary
3) Christine ______ her money from the ATM and went on a big shopping spree.
A. pulled B. ejected C. extracted D. withdrew
4) If you decide you don’t like it, bring it back and we’ll give you a ______.
A. receipt B. refund C. guarantee D. reward
5) I would like to offer a small ______ to anyone who finds my missing dog.
A. reward B. repayment C. expense D. receipt
6) The ______ of living has risen by 25% in the last six months.
A. expenditure B. cost C. expense D. price
7) The company fell deeper and deeper into the ______ and they went bankrupt.
A. red B. green C. yellow D. black
8) For those ______ membership expires late this month, please renew it as soon as possible.
A. who B. whose C. that D. their
9) By the time Mr. Ortis ______ in Seoul for the meeting, he had already completed the negotiations by phone.
A. arrives B. arrived C. has arrived D. arriving
10) Payment of monthly parking vouchers can be made either by cheque ______ by bank transfer.
A. but B. and C. or D. nor
11) I’m sorry, we don’t have any in stock at the moment, but they are on ______.
A. request B. demand C. order D. ask
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FG(10) – Unit 6: Money Teacher-in-charge: Nguyen Thuy Lien (0903.141.108)

12) ______ today’s paper, it was announced that a new Finance Minister had been appointed.
A. In B. At C. On D. Above
13) Apple has announced to ______ all of its iPhone 14 smartphones due to a design flaw in the chip module.
A. repair B. recall C. regain D. replace
14) You get good ______ for money in this store – quality products at competitive prices.
A. worth B. price C. value D. cost
15) They didn’t have any ______ peas; only tinned or frozen.
A. fresh B. convenient C. new D. recent
16) If it’s not working, take it back to the shop. They have to replace ______ goods by law.
A. mistaken B. faulty C. lazy D. incorrect
17) If you’ve got a student card, you can get into the exhibition free of ______.
A. cost B. price C. expense D. charge
18) To _____ the Kaldi store that is nearest to you, simply select your state or country from the pull-down menu.
A. direct B. engage C. facilitate D. locate
19) Do you like my new dress? I bought it in the January ______.
A. cuts B. discounts C. bargains D. sales
20) I only got the cheese because it was on ______; it was $5 a kilo instead of $7.
A. offer B. reduction C. counter D. impulse
21) Before giving the receipt to customers, please make sure that the ______ is clear and legible.
A. printable B. printer C. print D. printing
22) It says $5.60 on the label. You’ve ______ me $6.50
A. taken B. deducted C. reduced D. charged
23) I have to buy Doggy Chunks for Fifi; she won’t eat any other ______ of dog food.
A. selection B. brand C. mark D. variation
24) $1 is ______ to 1.6 German marks.
A. comparable B. changeable C. equivalent D. variable
25) This car was the most expensive purchase I’ve ever ______.
A. made B. taken C. put D. done
26) We need to ______ to the needs of our customers and react accordingly.
A. sensible B. sensitive C. sensitivity D. sensibility
27) Laura doesn’t want to go out today. She’d ______ rather stay at home.
A. very B. much C. prefer D. had
28) Stephen ______ me he’d bought that suit in a sale.
A. said B. spoke C. told D. claimed
29) Many people save money to ______ for their old age.
A. cater B. provide C. equip D. supply
30) Before you can start a business, you’ll have to raise the necessary ______.
A. investment B. income C. savings D. capital
31) This car is very ______ as it goes so far on one tank of petrol.
A. financial B. costly C. economical D. endless
32) She gives each of her children 50,000VND a week ______ money.
A. pocket B. free C. ready D. spare
33) As his aunt’s only beneficiary, he came ______ a fortune on her death.
A. upon B. across C. up against D. into
34) I can’t believe how cheap these shorts were. They were a real ______!
A. bargain B. sale C. discount D. offer
35) Could you tell me who’s in ______ here, please?
A. charge B. responsibility C. rule D. organisation
36) I paid the assistant and took the books but then stupidly left the bookshop without waiting for my ______.
A. cash B. refund C. fee D. change
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FG(10) – Unit 6: Money Teacher-in-charge: Nguyen Thuy Lien (0903.141.108)

I think she ______ her fortune in the shipping industry.

37)

A. took B. made C. won D. saved

38) I didn’t find a new top but at ______ I got some new jeans.

A. less B. least C. the less D. the least

39) The student had money left and took ______ a loan to tide him over until the end of term.

A. up B. into C. out D. over

40) I’m afraid we can’t raise your salary this year. The company’s operating on a very ______ budget.

A. close B. tight C. cheap D. hard

EXERCISE 4: WORDS AND PHRASES. Underline the most suitable word or phrase.
1) My grandfather made a wealth / fortune by investing at the right time.
2) I think you’ll find that the Microcar is really very economic / economical to drive.
3) I’m afraid we can only accept the return of the item if you still have the receipt / bill.
4) If you show this coupon at the checkout / discount, you’ll receive a free gift.
5) I’m not keen on Justin Timberlake so I’ll try to refund / exchange this CD for one by Blue.
6) The assistant called the manager when the note I gave her turned out to be plastic / fake.
7) This unbeatable special offer / bill is only available until the end of the week, so hurry!
8) Excuse me, but I don’t suppose you have make / change for a fifty, do you?
9) I went back to the shop a week later, and the price / cash had gone up by 50%.
10) The Robinsons are having difficulty in meeting the hire purchase/mortgage repayments on their house.
11) We don’t accept credit cards, I’m afraid. Please pay in cheque/cash.
12) Please make sure you have the correct change for the fee/fare before boarding the bus.
13) If you show your student card, you may qualify for a decrease/discount.
14) The funds/proceeds from the village fair are earmarked for a local charity.
15) I’m afraid you are already three months in arrears/in debt with your rent, Ms. Jones.
EXERCISE 5: WORD SKILLS - PHRASAL VERBS
5.1 Find the phrasal verbs 1-6 in the text. The letters in brackets refer to the relevant paragraphs. Match
the phrasal verbs to the meanings A-F.

1. cut down A. stop 5

2. spring up B. tolerate 4

3. turn into C. stop living in a house/flat 6

4. put up D. reduce 1
with

5. cut out E. become 3

6. move out F. appear suddenly 2

5.2 Complete the sentences with the correct form of an appropriate phrasal verbs from exercise 5.1
1) There were clear blue skies at first, but then it turned out a really horrible day.
2) It’s so noisy here; I don’t know how you put up with it.
3) They had a big row, after which Jim moved out and went to live with his mother.
4) Not so long ago there were no children’s clothes shops in the town, not they’re spring up all over the place.
5) The doctor says he should cut down on the amount of coffee he drinks, but he doesn’t have to cut out caffeine
altogether.
EXERCISE 6: WORD FORMATION – Fill in the blanks with the correct form of the words in the brackets.
1) They are accused of theft from a NEWSPAPER shop. (NEWS)
2) This ECONOMIC zone has attracted many foreign investors. (ECONOMY)
3) Money will also go into local DEVELOPING projects in Vietnam. (DEVELOP)

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FG(10) – Unit 6: Money Teacher-in-charge: Nguyen Thuy Lien (0903.141.108)

4) Today most families a washing machine and dryer, making bothersome trips to the LAUNDERETTE unnecessary.
(LAUNDRY)
5) This body is a European trading company in the mainland's REPRESENTATIVE office. (REPRESENT)
6) A happy family occupies the BACKGROUND of the painting. (GROUND)
7) The booklist at the end of the chapter contains some INTRODUCTIVE reading on the subject. (INTRODUCE)
8) They charge the same price for a TAKEAWAY as they do for eating in the restaurant. (AWAY)
9) AVOIDANCE of injury will have an enormous influence on the success of the tour. (AVOID)
10) We will encourage both to become more ENTREPRENEURIAL in order to finance their activities in developing
markets. (ENTREPRENEUR)
11) Matter and energy are equal and INTERCHANGED . (INTERCHANGE)
12) The RENOVATION and decoration process took four months. (RENOVATE)
13) AGRICULTURAL development simply must precede economic development. (AGRICULTURE)
14) Services could be operated more efficiently and ECONOMICALLY. (ECONOMICS)
15) They argue for the reform of existing political INSTITUTIONS. (INSTITUTE)
16) Try tennis, badminton or windsurfing. In short, anything CHANLLENGING . (CHALLENGE)
17) The DIFFERENCE between internet and reality is so incredible. (DIFFERENT)
18) The investigation is proceeding without INTERRUPTION. (INTERRUPT)
19) The business could become less PROFITABLE or could close down. (PROFIT)
20) Sales figures continue to show signs of IMPROVEMENT. (IMPROVE)
21) The INVESTOR may not be happy for the vendor to see the report for different reasons. (INVEST)
22) Families on low incomes are having to ECONOMISE on food and heating costs. (ECONOMY)
23) The purpose of the programme is PRIMARILY educational. (PRIMARY)
24) Working REGULARLY hours is all part and parcel of being a journalist. (REGULAR)
25) His REFUSAL to discuss the matter is very annoying. (REFUSE)
26) Children with SUPPORTIVE parents often do better at school than those without. (SUPPORT)
27) Unemployment is high and ECONOMIC recovery is still a long way off. (ECONOMY)
28) The sheep dog protects the sheep from DANGERATION. (DANGEROUS)
29) The manager carries the greatest burden of RESPONSIBILITY. (RESPONSIBLE)
30) Some countries tighten MONETARY policy to avoid inflation. (MONEY)
EXERCISE 7: Complete the following article with the correct form of the words in the brackets.

MONEY! MONEY! MONEY

Helen had always dreamed of becoming a (1) WEALTHY (WEALTH) woman, and imagined living in a (2) LUXURIOUS
(LUXURY) mansion, and how her friends would praise her GENEROSITY (GENEROUS) when she gave hem expensive
presents. In reality, she was usually hard up. She had some (4) SAVINGS (SAVE) and a small life (5) INSURATION
(INSURE), but her antique shop was not really very (6) PROFITABLE (PROFIT). Every time she took money out of the
bank, the (7) CASHER (CASH) checked her account, and told her how little there was in it! Helen had taken out a (8)
LEND (LEND) a month before. How could she repay it? Then one day she noticed an old painting in her shop. She had
thought it was (9) WORTHY (WORTH) but as she brushed away the dust, she saw the (10) SIGNAL (SIGN) at the
bottom. It said ‘Renoir’! She was rich at last!

EXERCISE 8: GUIDED CLOZE – Choose the correct answer to complete the following passages

MONEY-MAKING HOUSES
If times are hard and you are (1) _______ of cash, your house might (2) _______ you with the solution to your
problem.
Renting out a (3) _______ room in your house can be a good way of making extra money. What’s more, a government
scheme (4) _______ you to receive up to £4,250 each year from lodgers without paying tax. You could also install solar
panels on your roof and become self-sufficient in electricity. If you produce enough, you can (5) _______ sell some back
to the National Grid. You won’t make a huge (6) _______ of money, but it is satisfying to know that electricity in your

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FG(10) – Unit 6: Money Teacher-in-charge: Nguyen Thuy Lien (0903.141.108)

house is green.
Offering your houses as a film location is another possibility, as (7) _______ as you don’t mind having 30 to 40 people in
your living room for a week, changing the furniture round, painting your walls a different colour and (8) _______
neighbours by parking enormous lorries in the street outside. It’s certainly a (9) _______ option, giving you the chance
to (10) _______ hundreds of pounds each day.
1) A. lacking B. broke C. short D. poor
2) A. offer B. provide C. give D. propose
3) A. further B. bonus C. second D. spare
4) A. accepts B. agrees C. allows D. lets
5) A. even B. still C. yet D. until
6) A. number B. amount C. range D. total
7) A. far B. much C. soon D. long
8) A. animating B. arguing C. upsetting D. working up
9) A. disposable B. rentable C. profitable D. considerable
10) A. earn B. find C. achieve D. change
EXERCISE 9: READING COMPREHENSION – Read the below letter and answer the following questions.
BANKING AND BANKS
Banking and banks are very important for the functioning of the modern world. Without banks the way we use
money would not work. Banks enable people to save money, borrow money and to pay for things with ease and
security.
Each country in the world has its own well-known banks that have branches in nearly every city so that they are
convenient for people to use. People often have to visit the local branch of the bank when they want certain services.
There are also some very big multinational banks that have branches in most countries in the world.
As well as the local branches that are in most cities, each bank will also have a head office. This is where all
central tasks are performed that let the local branches function. The people that work in the branches will be the bank
manager, the person in charge, and various tellers who work behind the bank counter and help the customers. There
will also likely be security guards to protect the money, workers and customers.
Most customers will just need to see the tellers when they go to the bank if they are paying money into their
account as either cash or a check. However, they might need to see the bank manager if they want to open an account
or if they have become overdraw, when they have spent more money than there was in the account. Also if they want
to borrow money and get a loan the person will need to see the bank manager who will have to approve it.
As well as being able to use cash or checks to pay for things, banks also offer their customers the more
convenient methods of using either a debit card or credit card. These methods are very convenient as you just need to
carry a small plastic card to be able to pay for anything. When paying with plastic you will need to either sign a receipt
or enter a PIN number to conform the purchase and that you are authorized to use the card.

1) According to the text, what do banks enable people to do?

A. Buy products B. Save money for the future
C. Get money now that they have to pay back later D. All are correct
2) What is the purpose of the head office of a bank?
A. to support the local branches to work properly.
B. to offer services to local customers.
C. to work with other banks.
D. to look impressive.
3) What do bank tellers do?
A. They protect the money. B. They help the customers.
C. They arrange loans for customers. D. They are in charge of the bank branch.
4) What happens when a bank customer spend more money than they have in their account?
A. They will need to see the security guard.
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FG(10) – Unit 6: Money Teacher-in-charge: Nguyen Thuy Lien (0903.141.108)

B. They will have to go to the police station.

C. They will have to have a meeting with the bank manager.
D. They will have to borrow money from the bank.
5) Which of the following methods is more convenient when paying for something than using a check?
A. Using a plastic card B. Using cash
C. There is not a more convenient method. D. With an exchange of products.