1.

As decisões financeiras baseadas em valores pessoais referem-se às escolhas que fazemos com nosso dinheiro que se alinham
com nossas crenças e prioridades. Por exemplo, alguém pode priorizar a poupança para o futuro, enquanto outra pessoa pode
valorizar doações para causas de caridade. É tudo uma questão de fazer escolhas que reflitam o que é mais importante para nós.
2. Sublinhe o presente simples e o presente contínuo abaixo:

b. Underline the correct verb forms to complete the
sentences.
1) She is loving / loves / love reading fashion
magazines at the hairdresser's.
2) We usually are going / goes / go to the café
opposite the hotel.
3) I'm reading/ read / reading a great book in
English at the moment.
4) He is wanting/ does want / wants to phone his
family Tokyo. Can he use this phone?
5) Why are you waiting / do you wait / you
waiting for the bus? Let's walk home.
6) I hardly ever am visiting / visit / visits my
cousins in Ireland
7) She studies / studying / 's studying French
politics at university this term.
8) Yes, they're here. They play/ 're playing/
playing a computer came in the living room.
a. Complete the conversation with the present simple or
present continuous forms of the verbs in brackets. Use
contractions where possible.
ALICE What 1 is Sarah doing. (Sarah, do) in that shop?
NAOMIShe 2 is buying (buy) some postcards to send to her
family.
ALICE Really? I generally 4 don’t send (not send) postcards. I
usually 5 write (write) a message on my Facebook wall. And
sometimes I 6 put (put) a few photos of my holiday on my wall.
NAOMIYes, me too, but Sarah's grandparents 7 don’t have (not
have) a computer, so she 8 sends (send ) them postcards instead.
ALICE Oh, and what 9 are Tom and Jack doing (Tom and Jack,
do) this morning?
NAOMIThey 10 are spending (spend) the day at the beach.

ALICE But Tom 11 doesn’t like (not like) swimming, in the sea.
He says the water's too cold.

NAOMIYes, but it 12 is (be) really hot today!

3. Leia o artigo – Linguagem corporal no mundo dos negócios

a. Which suggestions in the article do you think are
useful? Why?
1). Being mindful of facial expressions, making eye
contact without overdoing it, and avoiding
excessive blinking.
2). Understanding the concept of mirroring to build
rapport in conversations.
3). Recognizing that body language can impact
memory, as demonstrated in the experiment with
crossed arms and legs.
b. Patricia's suggestions work in the USA, but the rules are
different in other countries. Do her suggestions work in
your country, or other countries you know? Why/ why
not?
1). Patricia acknowledges that body language rules can
vary between countries. It would depend on the
cultural context, and different countries may interpret
certain gestures differently. It's essential to be aware of
cultural differences when applying these suggestions in
various regions.

c. Make a list of three or four other examples of d. What body language do you think you use a lot?
body language you know. Do you and your 1). Hand Gestures
partner agree about what they mean? 2). Facial Expressions
1). Leaning forward: Can show interest or 3). Eye Contact
engagement in the conversation. 4). Nodding
2). Nodding: Indicates agreement or 5). Smiling
understanding.
3). Crossing legs: May suggest relaxation or
comfort.
4). Fidgeting: Can convey nervousness or
impatience.
4. Explique o que os alunos são capazes de fazer em Viagens e Turismo?

Há muitas atividades divertidas que os alunos podem realizar enquanto viajam, eles podem experimentar a comida local da cidade,
país ou local que estão visitando. Eles podem passear pelo local que estão visitando. E eles podem ir a lugares icônicos ou populares
por lá.
 5. Leia a discussão a seguir sobre sugestões de férias entre Nadia, Juan e Keira e depois responda à pergunta.
a. What will the discussion forum be about?
The discussion forum will be about holiday suggestions,
particularly the idea of home swap holidays and the
experiences of individuals who have tried them.
1). Were your predictions correct?
The predictions were correct. The discussion was
about holiday suggestions, specifically home
swap holidays.
2). Did you have the same idea as Juan?
Yes, Juan suggested the idea of home swap
holidays.
3). Would you like to go on a holiday like this?
Why / Why not?
I might be intrigued by the concept since it allows
me to immerse myself in a different culture while
staying in someone else's home during a vacation.
However, I might also feel concerned about
hosting a stranger in my own house.
6. Blog de viagens de férias
Zetta : My family and I want to go on a really fun holiday for five
days. But it also needs to be very cheap! Any ideas, anyone?
Zacky : Hi Zetta! We do a lot of home swap holidays. They're
fantastic! You live in someone else's home during your holiday, and
b. How many suggestions can you think for Nadia?
There are 2 suggestions that I thought for Nadia:
1). Home swap holidays, as recommended by Juan and
Keira.
2). Trying a different way of experiencing holidays by
living in someone else's home and immersing in the
local culture.
d. Read the discussion forum again. Answer the question.
1). Why should you trust the people who stay in your home?
We should trust them because, in a home swap, they are
offering you their home in return, demonstrating mutual trust.
2). Why was Keira tired, stressed and nervous the first time?
Keira was tired and stressed because their car broke down on
the motorway that morning, and she was nervous about the
uncertainty of the home they were swapping to.
3). What were the two problems Keira had before the woman
answered the door?
The two problems were that their car broke down on the
motorway, leading to stress and tiredness. Additionally, her
little boy lost his favorite toy, causing distress.
4). What was positive about Keira’s experience in Madrid?
Despite the water damage issue, Keira's experience in Madrid
turned positive because a neighbor helped resolve the problem,
invited them for dinner, and they became friends.
Gia : Oh, it was last 6 months. It was a bit of a nightmare! We
were staying in a family's home in Barcelona, and we woke up
one morning, and there was water everywhere! It was coming
through the ceiling. I tried to sort the problem out, but I
7. Leia o parágrafo introdutório do artigo.
a. O parágrafo introdutório sugere que o artigo trata de formas alternativas de obtenção de empréstimos ou
empréstimo dinheiro além do tradicional bancos.
b. Sim, Correto.
c. Ler o artigos. Em qual Texto:% s) (1-4)
1). Did the same thing happen in two places? 4). Do you get a loan from a bank?
Text 1 mentions Franz Hermann Schulze-
Text 1 mentions Franz Hermann Schulze-Delitzsch
Delitzsch creating an organization that provided
creating an organization similar to what Ninomiya
loans as an alternative to banks.
Sontoku did in his village in Japan. So, the same thing
5). Does the idea help people in developing countries
happened in two places in Text 1.
(x2)?
2). Can you get a loan to start a business (x3)? Text 2 discusses microcredit, where small loans
a) Text 1 mentions people being able to borrow are given to people in Bangladesh, addressing
money for various purposes, including starting a problems in developing countries.
business. Text 4 talks about Kiva.com, a crowdfunding
b) Text 3 talks about crowdfunding, where people website specifically for poor people or those in
ask for money to help start a business. developing countries.
c) Text 4 mentions Kiva.com, a crowdfunding 6). Do people ask for money for education?
website where poor people or those in Text 4 mentions Kiva.com, where some borrowers
developing countries seek loans, some for seek money for education in addition to starting a
starting a business. business.
3). Do you ask lots of people for money to start a
business (x2)?
Text 3 discusses crowdfunding, where people ask
lots of people to each give a small amount of money
to help start a business.

d. Porque?
3). The music group asked fans for money through 1). Franz Hermann Schulze-Delitzsch started his credit
crowdfunding because they needed funds to union because he was fed up with banks and wanted
make an album. They offered their fans the to help other people. He created the organization as
c. Anote a que se referem esses números no artigo.
1). $25: The minimum loan amount on Kiva.com
that borrowers can request.
2). 100: The maximum borrowing period (days)
mentioned in Text 1, where people in
Ninomiya Sontoku's village could borrow
money for up to 100 days.
3). £26,000: The amount the London music group
received from a thousand fans in 2007
through crowdfunding to make their album.
4). $1.2 million: The amount Hans Fex raised from
5,030 people through crowdfunding for his Mini
Museum.
5). 8.81 million: The number of borrowers in 81,392
villages associated with Dr. Muhammad Yunus's
'Village Bank' in 2015, as mentioned in Text 2.
6). $1.02 billion: The total amount lent through
Kiva.com by 1.5 million lenders to 2.5 million
borrowers in 83 countries.
8. Escrever emails.

Subject: Heartfelt Gratitude for Your Support in our Charity Fundraising Efforts
Dear Amelya,
I hope this message finds you well. I am overwhelmed with gratitude as I write to express my sincere thanks for your
incredible support in our recent charity fundraising endeavor. Together, we have raised an impressive $1,000 for
Inheritance Charity.
Our success is a testament to the collective dedication and generosity of each one of you. Through a series of
collaborative efforts such as bake sales, a charity auction, and a community walk, we were able to surpass our initial
fundraising goal. It is heartening to see how our shared commitment to making a positive impact has yielded such
remarkable results.
The selected charity, Inheritance Charity, is devoted to give something positive can be inherited. The funds we raised
will directly contribute to our positive activities. Your contributions have not only helped us achieve our financial
target but have also contributed to a cause that will make a tangible difference in the lives of those in need.
Once again, thank you for your unwavering support. Your involvement has been instrumental in the success of this
initiative, and I am truly grateful to have friends like you who share a passion for making a positive impact in our
community.
Warm regards,

Naomi