Accounting Module Fixed 1

UNIT 1 THE ORGANIZATION OF THE FINANCIAL INDUSTRY
1. To learn about: the organization of the financial industry;

key vocabulary of banking products and services
2. To learn how to: express permission, necessity and
AIMS: prohibition
3. To practise: asking and talking about terms and conditions
of bank accounts
Getting Started:
 What services does your bank offer?
 Which of them do you use?
 If you are still studying, what area of finance do you want to work, and why?
ACTIVITY 1
Vocabulary 1
Smart with English 1

ACTIVITY 2
Listening: The Development of the Financial Industry
Listen to Peter Sinclair talking about the organization of
the financial industry 25 years ago, and answer the
questions below.
1. Were most financial institutions national, or international?

2. Were most financial institutions specialized, or did they offer lots of services?
3. What are kinds of financial institutions traditionally which did the following types
of business?
Making loans Issuing shares or bonds
Arranging mergers Arranging mortgages
Providing pensions Arranging or fighting takeover bids
Giving financial advice to companies Offering life insurance
Receiving deposits
Retail banks
Building societies
Insurance companies
Investment banks
ACTIVITY 3
Vocabulary 2
1. You are going to read about changes in the banking industry. Before you read,
check your understanding of the words in column A by matching them with their
definitions in column B.
COLUMN A COLUMN B
1. conglomerates a. abolished or ended rules and restrictions
2. depositors b. sums of money paid as penalties for breaking the law
3. deregulated c. groups of companies that have joined together
4. fines d. control of something by rules or laws

COLUMN A COLUMN B
5. prohibited e. guaranteeing to buy a company’s newly issued stocks
6. regulation if no one else does
7. repealed f. made it illegal to do something
8. underwriting g. people who place money in bank accounts
h. cancelled or ended (a law)
2. Now look at again at the words above and put stress mark in front of the
stressed syllable in each word. Example: con’glomerates
ACTIVITY 4
Reading: Regulation and deregulation
1. Read the article, and complete it using the words in Column A in the activity 3.

2. Look at the following statements. Are they true or false, according to the article
above?
T F
a. The Glass-Steagall Act was the result of the behaviour of
investment banks.
b. The British and American financial markets are now completely
unregulated.
c. German and Swiss banks did all types of banking business at a
time when American and British ones were not allowed to.
d. During the 20th century, many financial markets first became more
regulated, and then less regulated.
e. Large American banks no longer do the kind of things that led to
the separation of investment and commercial banking in the 1930s.
ACTIVITY 5
Discussion
 Which are the largest banks (or ﬁnancial conglomerates) in your country?
 To what extent is banking regulated in your country? What are the advantages
and disadvantages of this?

ACTIVITY 6
Put the sentences into the correct columns, according to their meaning. The first one
has been done as an example
Examples: I had a credit card, so I didn’t need to pay cash

I had to keep $1,000 in the account
ACTIVITY 7
Complete each sentence using a verb. Look back at the Reading and Listening
exercises to find the information you need.

UNIT 2 RETAIL BANKING
1. To learn about: development in retail banking, banking

products, and services; key vocabulary of retail banking
2. To learn how to: express likelihood and probability
AIMS: 3. To practise: talking about the future of retail bank
Getting Started
 What services would you expect a retail or commercial bank to offer?
 What is the difference between retail banking and investment banking?
 How do commercial banks make money?
ACTIVITY 1
Reading: Commercial and investment banking
1. Liar’s Poker is Michael Lewi’s very funny book about working as an investment
banker in New York and London. In this brief description, he explains why he
didn’t want to become a commercial or retail banker. Read the text and
explain in your own words what Lewis is saying about:
a. Commercial bankers
b. Investment bankers

2. Find words or phrases in the text that mean the following phrases below:
1. To separate 1. A big hierarchy of directors and

2. Generally considered to be managers
3. Didn’t want to cause trouble for 2. Special; different from other people
other people 3. Extremely big
ACTIVITY 2
Vocabulary 1
You are going to listen to Peter Sinclair, talking about retail banking. Before you
listen, check your understanding of the words and phrases in the box by matching them
with their definitions (1-7).
assets income national income trend

currency lucrative liabilities
1. A general development or change in a situation or people’s behaviour

2. All the money received by a person during a particular period
3. Anything of value owned by a business; for a bank, the loans it has made
4. Money that a company will have to pay to someone else one day; for a bank, its
deposits
5. Profitable (describes an activity that makes a profit)
6. The money earned by a country’s people in a particular period
7. The money used in a particular country
ACTIVITY 3
Listening: Retail Banking
Listen to Peter Sinclair talking about retail banking and look at the following
statements. Are they TRUE or FALSE, according to him?
a. In the past, people used to keep more money in cash
b. Because of retail banks, national income is increasing in developing countries.
c. Some people think that investment banking is more exciting than retail banking.
d. Investment banking is more profitable than retail banking.
e. There is more risk involved in investment banking than retail banking.

ACTIVITY 4
Vocabulary 2
1. Read the web page below advertising online banking, and complete the
sentences using the options given.
Direct debit Balance Loan

Statement Saving accounts Standing order
Current account Overdraft

2. Use a word or phrase from the list below to make common word combinations.
You can use some words more than once
COLUMN A COLUMN B
apply for the balance
cancel a cheque
check an overdraft
set up a direct debit
transfer a loan
write money
a standing order
ACTIVITY 5
Reading: The future of bank branches
1. Read the article about retail banking from the Financial Times. What belief
does research show to be untrue?
BANKS TO RELY ON Nick Sandall, retail financial
services partner at Deloitte &
BRANCHES TO DRIVE Touche, said he believed t h a t
the main banks in the UK
GROWTH were planning to reserve a
By Jane Croft decade of under-investment
Banks will rely on branches i n branches by putting the network
to drive future growth rather at the heart of their strategy.
than the internet, according to “Although some banks, such
new research. as Abbey National, are head
A study of 2,709 customers of the game in their efforts to
by Deloitte and Touche, the revolutionise the way in which
professional services firm, they use branches to reach the
showed that the bank branch is the customer, we expect all banks
preferred channel for 52 percent of to invest substantially in
customers interviewed. reshaping their branch network
Only 16 percent preferred to and the activities within”, he
bank using the telephone and 8 said.
percent used the internet. Delloite & Touche believed that
The study also showed that the the successful retail bank of the
bank branch is preferred by 45 future needed to give careful
percent of customers in the consideration to areas such as
affluent AB social group – branch design, staffing and location.
contradicting the notion that Abbey National, which has
sophisticated customers introduced Costa coffee shops
avoid branches. into some of its branches, report
that banking products sales have
increased in these locations.

LANGUAGE FOCUS: Likelihood and probability
1. In the Financial Times article, there are some predictions about retail banking
trends in the future. Look at the following sentences, which use phrases to show
likehood and probability. Put the sentences (a-l) on the scale (1-5), and underline
the word or phrase that states the probability. One sentence has been done as
an example.
1. Certain a. E-banking is unlikely to decrease over the next
(100%) 10 years
b. I may well decide to change banks
2. probable c. Interest rates can’t possibly stay so slow
(>70%) d. There could be takeover, but I think it’s
improbable
3. possible e. Our profits will definitely increase this year
(=50%) f. Perhaps we need to hire more financial advisors.
g. small regional banks are bound to join together
4. improbable h. They’ll probably move their call centre to India
(<30%) i. Universal banks are likely to spread
j. We certainly won’t reduce the size of our
counselling area
5. Impossible k. We expect all banks to invest substantially in
(0%) their branch networks.
l. We might increase our commision charges.

ACTIVITY 6
Discussion
In pairs or group, use some of the phrases from the Language focus to make some
predictions about the future of:
Telephone banking The stock market in your country

Internet banking Interest rates in your country
Branch banking Your language learning
Small national and regional banks Your company
Universal banking Your career
Example:
I may well go to the UK for an intensive language course next year.

UNIT 3 BUSINESS CORRESPONDENCE
1. To learn how to: write emails using standard phrases;

use formal and informal style
2. To practise: writing business emails; saying email and
AIMS: web addresses
Getting started:
 What are the advantages and disadvantages of email?
 In what situations would you write an email rather than make a telephone call?
ACTIVITY 1
Discussion
Which of the statements below do you agree with?
EMAIL ETIQUETTE
1. Clearly summarize the contents of your message in the subject line, e.g. write
‘May 23 Project Management Team Meeting Agenda’ rather than just
‘Meeting’.
2. Don’t use the Cc (carbon copy) function to copy your message to everyone
unless you really need to.
3. Use Bccs (blind carbon copies) when sending a message to a large group of
people who do not know each other.
4. If you normally address a person as Ms/Mrs/Mr____, then that’s what you do
in a first email; if you normally call them by their first name, then you do that.
5. Reply to a message, don’t start a new email. Keep the ‘thread’ by leaving the
original message attached.
6. Keep your messages shorter than a page, so readers don’t have to scroll.
People reading messages on cell phones and mobile devices often ignore
long messages.
7. If you need someone to give you information or do something for you, be
very specific.
8. To communicate very complex information, use the telephone, or face-to-face
conversation, rather than email.
9. AVOID CAPITAL LETTERS – THEY’RE THE EQUIVALENT OF SHOUTING IN
SOMEONE’S EAR AND THEY’RE MORE DIFFICULT TO READ.
10. Use the capitalization and punctuation the same way that you would in any

other document. Don’t use over-use exclamation marks!!!!!!
11. Smileys are used in personal emails and are not appropriate for business ;-)
12. There is no such thing as a private email. The system administrator can
probably read all mails, and anyone can easily forward your message, even
accidentally.
13. Somewhere in the world there is a hacker who can read your email if he tries
hard.
14. Don’t write anything you wouldn’t say to a person’s face or in public or write
on the back of a postcard.
15. If you send it from the office, it comes from the office; personal emails ent
from work are regarded as official company communications, whatever their
content.
16. Use spell check and re-read your message one last time before you send it.
ACTIVITY 2
Formal and Informal style 1
1. Rewrite the email above in correct standard English.

Formal and informal words and phrases
a first email to someone in another company is usually quite formal, like
a business letter, but later emails often become more informal. Internal
communication between colleagues is also usually relatively informal.
English often has a short word of Germanic origin and a longer word of
Latin or French origin that means nearly the same thing. We use the
longer words in more formal situations.
2. ENRICHING vocabulary: match each of the short words (1-6) to one of the
longer words (a-f) with a similar meaning.
1 ask a commence
2 begin b obtain
3 buy c enquire
4 get d inform
5 give e purchase
6 tell f provide
Most phrasal verbs also have a one-word Latinate equivalent, which is more
formal.
Examples:
We are going to bring in/ implement new accounting policies.
You need to look into/ investigate these claims.
They are trying to get rid of/ eradicate their debts.
Leaving out words

Although spelling and punctuation should usually be correct – an email is not a
text message – emails between friends and colleagues are sometimes written
like telegrams used to be, with unnecessary words left out. The full grammatical
form is not necessary if the meaning is clear from the context.
People also often use acronyms (the first letters of words) such as TIA (thanks in
advance), asap (as soon as possible) FYI (for your information), BTW (by the
way), and BW (best wishes). In informal emails, people writing quickly often use
short forms of common words: yr, pls, thx or thnx, rgds, re (your, please, thanks,
regards, with reference to). It’s worth remembering that using acronyms and
short forms might be considered unprofessional in some business situations,
especially when you do not know the person you are wiriting to very well.

ACTIVITY 3
Writing
1. Use these less formal phrases and short forms (1-10) to replace the underlined
phrases (a-j) in the emails below.
a. f.
b. g.
c. h.
d. i.
e. j.
2. Which verbs in the emails above could be replaced by these less formal ones?
1. booked 2. get 3. ask 4. need 5. Tell

3. Make this email more formal by replacing the words that have been left out’
4. The email in the next page, written to summarize a meeting, is quite formal and
long. Rewrite it using more simple language, crossing out unecessary words and
adding bullet points to make it clearer.

ACTIVITY 4
Vocabulary
The words and phrases in the box are used to talk about email and web addresses.
Match them to the symbols (1-10)
at colon dot slash underscore
capital (letter) a dash lower case small (letter) upper case
1. 4A 7ABC
2: 5/ 8a
3 abc 6_ 9-
10 @

ACTIVITY 5
Write an email to your friend, confirming about the topic of your presentation. Use
some of the useful phrases in the prevous exercise. Print your friend email and
collect it next meeting.
GRAMMAR FOCUS: Simple Present Tense

Example Use
Cats like milk. With general truth
Japanese people like bow when they With customs
meet.
We take vacation every summer. To show regular or repeated actions,
habits, or an activity
He comes from Iran. To show places of origin, one’s country, or
He doesn’t come from Tasik. city
The sun rises in the east.
To state the fact
Language Notes:
use the –s form after he, she, it, singular nouns, everyone, everybody,
everything, someone, somebody, something, no one, no body, nothing, or
family.
Add –es verbs after end in s, sh, tch, ch, x, or z;
Wash – washes, touch – touches
Drop –y and add –ies to most verbs that in y.
Try – tries, carry - carries
Use the base form after I, you, we, they, and plural nouns.
Three verbs have an irregular –s form:
Have (they, we, you) : has (she, it, he)
Go : goes
Do : does
Choose the correct form
1. We sometimes ……………(read/ reads) books.
2. Emily ……………… (go/ goes) to the disco.
3. I often …………… (exercise/ exercises) on Sunday.
4. Pete and his sister ………….. (visits/ visit) their family once a month.
Put the verbs into the correct form.

1. I …………… (to like) lemonade very much.
2. The girls always…………… (to listen) to pop song.
3. Mr. Smith …………… (to teach) Spanish and French.
4. Janet never …………… (to wear) jeans.
5. You …………… (to do) your homework after school.

Fill in the correct form of the verbs.
1. We …………… (to have) a nice garden.
2. She …………… (to be) six years old.
3. Simon …………… (to have) two rabbits and five goldfish.
4. I …………… (to be) from Vienna, Austria.
5. They …………… (to be) Sandy’s parents.
Make negative sentences.

1. My father makes breakfast.
____________________________________________________
2. They are eleven.
____________________________________________________
3. She writes a letter.
____________________________________________________
4. I speak Italian.
____________________________________________________
5. Danny phones his father on Sundays.
____________________________________________________
Make questions.
1. you / to speak / English
2. when / he / to go / home
3. they / to clean / the bathroom
4. where / she / to ride / her bike
5. Billy / to work / in the supermarket
Signal Words
Find the signal words for simple present.
1. Which is a signal word for simple present?
Now last month often
Sometimes at the moment yesterday
Last Friday every Friday next Friday
4. Which is not a signal word for simple present?
Never already usually
5. Which is not a signal word for simple present?
Listen first.. then.. Seldom

UNIT 4 WHAT IS CORPORATION?
1. To learn about: the specific information from the text

(corporation)
2. To learn how to: conclude the text
AIMS: 3. To learn how to: comprehend the use of Modal auxiliary
4. To learn how to: apply Modal auxiliary in sentences
5. To practise: to discuss business of personal’s choice.
Getting Started
 Have you ever haerd “Pepsi Co.”?
 What does Pepsi produce?
 What kind of business organization is it?
 What is your opinion about this business?
 Do you think it is profit-oriented business? Explain it briefly.
ACTIVITY 1
Reading
WHAT IS CORPORATION?
Corporation is an association of individuals, which has the right to carry on
business in its own name, to own property, and to incur debts. People who want to
form a corporation require a charter or articles of incorporation. This is a state-
issued document, which legally recognizes the existence of a new corporation.
The charter includes the legal name and presents address of the corporation.
It describes the purpose to create the corporation such as charitable, educational,
governmental, and so forth. The charter also states detailed information on the
maximum amounts and types of stock that the corporation issues, provisions for
length of time the corporation is allowed to exist, the adoption by laws, and other
administrative matters.
People who own a corporation may be a small group like a local land
development company with your owners, or they may be very large like the millions
of people who own shares of the General Motors Corporation or International
Business Machines. To raise large amounts of capital, the corporation issues stock
certificates, which are written evidence of the owners’ (stockholder’) investment or
share in the company. The owners share in the total investment and risk and divide
any profits that are made.

A corporation has certain rights granted by law: It may own and sell
property, borrow money, manage its own affairs, enter into contracts, and sue and
be sued in court. A corporation is liable for the payment of its own debts; individual
owners are not responsible except to the extent that they have invested money in
the corporation. Their personal assets cannot be seized to pay the debts of a
corporation. Owners, thus, have limited liability.
Letter R. Bittel, et al. (1999)
Business in Action
Glossary:
by laws (n) : peraturan pemerintah setempat
carry on (v) : menjalankan
court (n) : pengadilan
divide (v) : membagi:
grant (v) : mengakui
incur (v) : mengadakan
issue (v) : mengeluarkan
legal entity (n) : badan hukum
liable for (adj.) : bertanggung jawab atas
limited (adj.) : yang terbatas
own (v) : memiliki
share (n/v) : saham, sama-sama menanggung
stock (n) : saham
stock certificates (n) : surat saham
sue (v) : menggugat
ACTIVITY 2
Answer the following questions based on the text above.
1. How do we know that a new corporation is legal?
2. What does this in This is a state-issued document, which legally recognizes the
existence of a new corporation” in paragraph 1 line 3 refer to?
3. It describes the purpose to create the corporation ......(par. 2 line 2) the word it
refers to....
4. How do people participate in a corporation?
5. What do people usually call the owners of shares in a corporation?
6. ......or they may be very large like the millions of people who...(par 3 line 2)
the word they refers to ....
7. If one of the owners has private debts, will his corporation be liable for his
debts? Explain iit briefly.
8. What will hapen to the owners of shares in a corporation if the corporation
goes bankrupt?
9. It may own ans sell property....(par. 4 line 1) the word it refers to ....

ACTIVITY 3
Design your own corporation based on this diagram below.
Corporation
Advantage Example of corporation Purpose of making

form corporation
ACTIVITY 4
Enriching Vocabulary: Find the synonym of the following words or phrases in the
text.
1. Limited liability company (par. 1)
2. Written statement of rights, permission to do something from government (par.
1)
3. Say what is like (par. 2)
4. Showing kindness for helping poor people (par. 2)
5. Shares in the capital of a business company (par. 2)
6. Separate into smaller parts (par. 3)
7. Responsible according to law (par. 4)
8. Agreement between persons to do work at a fixed price (par. 4)
9. Make a legal claim against (par. 4)
10. Put shares into circulation (par. 4)

MODAL AUXILIARY
Ability: can, could and be able to
We use can to say that something is possible: that someone has an ability (Natasha
can play the piano) or an opportunity (She can go to the music room). Can is usually
pronounced but sometimes we say. The negative is cannot or can't.

Necessity: must and have to
Did you have to pay for your second cup of coffee? ~ No, I didn't. I don't have to
work means that it is not necessary for me to work.
Advice

ACTIVITY 5
PRACTICE 1. The form of modal auxiliaries.
Directions: Add the word to where necessary. Write 0 if to is not necessary.
1. Mr. Alvarez spilled tea on his shirt. He must__0__ change clothes before dinner.
2. Mr. Alvarez has ___ to___ change his shirt before dinner.
3. Tom and I might__________ play tennis after work tomorrow.
4. You had better___________ see a doctor.
5. Would you___________ speak more slowly, please?
6. The students have ____________take a test next Friday.
7. Everyone should _____________pay attention to local politics.
8. Everyone ought___________ pay attention to local politics.

Make negative sentences. Use the verbs in brackets.

PRACTICE 2 Expressing advice.
Directions: Complete the sentences. Use should or shouldn't and the expressions in the
list or your own words.
Necessity: MUST, HAVE TO, HAVE GOT TO.

Directions: Circle the correct verb.
1. Last week, John must, had to interview five people for the new management
position.
2. Professor Drake had got to, had to cancel several lectures when she became ill.
3. Why did you have to, had to leave work early?
4. I must, had to take my daughter to the airport yesterday.
5. Where did John have to, had to go for medical help yesterday?
6. We had to, had got to contact a lawyer last week about a problem with our
neighbors.

Necessity: MUST, HAVE TO, HAVE GOT TO. (Chart 7- 9)
Directions: Write the past tense of the verb in italics.
1. I have to study for my medical school exams.
PAST I had to study for my medical school exam.
1. We have to turn off our water because of a leak.
PAST: We ________our water because of a leak.
2. Do you have to work over the holidays?
PAST: __________you over the holidays?
5. Jerry has got to see the dentist twice this week.
PAST: Jerry____________ the dentist twice last month.
6. Who has got to be in early for work this week?
PAST: Who ___________in early for work last week?
7. The bank must close early today.
PAST: The bank____________ early yesterday.
Speaking: Discussing Business of Our Choice.

When you talk about business of our choice, you will talk about making a business
plan.
ACTIVITY 6
a. Make business plan with your friend.
b. State the name of the corporation you want to make.
c. Interview your friend about their business choice.
d. List the answer and report to your teacher.
Questions for Interview:
1. What business would you like to have?
2. Why would you like to have it?
3. What cities would you like to settle up your business?
4. Why would you like to choose the cities?
5. Which one do you like doing best?
- Meeting people
- Doing transaction
- Serving customers
- Working for a private sector
- Working for government
- Counting money
6. Which one do you prefer to buy something?
- By credit
- Cash
- By credit card
- Others
7. With whom do like to cooperate?

- Your family
- Your friends
- Your classmate
- Your rivals
8. Why do you think so?

UNIT 5 BUSINESS TAX ATTORNEYS

(business tax attorneys)
AIMS: 3. To learn how to: comprehend the use of Simple past tense
4. To learn how to: apply simple past tense in sentences
5. To practise: to talk about Business talk.
Getting started:
 What do you think about the picture?
 In your understanding, what are the
man and woman doing?
 Do you think that tax is a big deal in
our life? Explain your answer.
ACTIVITY 1
Reading
BUSINESS TAX ATTORNEYS
Business tax is tax paid by individuals
who run businesses and business
organizations. Business tax attorneys
guide businesses through the intricacies
of tax planning and act as advisors and
negotiators in case the government
contests taxation claims. Their guidance
will help minimize tax liabilities, helps maximize profits through the business, avoid
possible tax avoidance investigation by the government, and make expert counsel
available in case of litigation.
US tax laws are extremely complicated due to a bewildering range of tax
laws relating to sales tax, employment tax, property tax, international business tax,
and local and federal tax laws. It is in the interests of those starting a business to
retain a competent tax attorney who will advise on the best way to structure the
business in order to take advantage of exemptions and rebates under tax laws
without getting into legal hassles with tax departments. Even established businesses

need to consult business tax attorneys in order to restructure their businesses in a
way that maximizes business and minimizes tax.
Business tax attorneys will guide you or your organization through the nitty-
gritty of tax planning for business contracts, acquisitions, mergers, ownership, joint
ventures, overseas investment, divestiture, and lease agreements.
In the case of audits by the IRS, business tax attorneys are able to reach out
of court settlements with the authorities on behalf of their clients. If the tax
authorities decide to go ahead and take proceedings, then a business tax attorney
will represent her client in these cases. A competent attorney can get a beneficial
arrangement for her client.
Business tax attorneys should be selected on the basis of their areas of
expertise. The attorney should have experience in representing businesses and
should be able to interact with company management, employees, and financial
planners, and have sound knowledge of federal and local tax laws.
http://taxattorneysites.blogspot.com
Glossary:
acquisition (n) : hasil yang dicapai
attorneys (n) : pengacara
bewildering (v) : membingungkan
divestiture (n) : pencabutan
exemptions (n) : pengecualian
expert (n) : ahli
expertise (n) : keahlian
intricacies (n) : kerumitan:
lease agreement (n) : perjanjian sewa
litigation (n) : proses peradilan
nitty gritty (adj.) : intisari
rebates (n) : pengembalian
represent (v) : mewakili
retain (v) : memegang teguh
ACTIVITY 2
Answer the following questions based on the text.
1. What are the responsibilities of business tax attorneys?
2. What is the author’s point of view about the law of US tax?
3. Define business tax attorneys in your own word.
4. What are the roles of business tax attorneys in taxation claim?
5. What kind of advices does the author recommend if someone wants to start a
business?

6. If we have trouble in the field of tax planning in mergers, what will the business
tax attorneys do to help us?
7. What are the roles of business tax attorneys in the court?
8. What kind of actions will business tax attorneys struggle for in the court?
9. What are the requirements of business tax attorneys?
10. Why does established business still need to discuss with business attorneys?
ACTIVITY 3
Match the words in the right with the meaning on the left.
GENERAL MEANING WORD
1. Process of making or defending a non-criminal case in a Negotiator
law court
2. Money that has to be paid to government for public Client
purpose
3. A person who tries to come to an agreement by discussion Retain
4. Obtain the services of attorneys by payment Litigation
5. Person who receives helper advice from a professional Tax
person
ACTIVITY 4
Complete the following sentences with your reaction after you read the text.
What I found most interesting about this text was .....
What I found most boring about this text was .....
What I found most amusing about this text was .....
What I found most valuable about this text was .....
When you have finished, discuss your reactions with your friends. Are they the
same?
ACTIVITY 5
Grammar Focus: Simple Past Tense
USE 1 Completed Action in the Use the Simple Past to express the idea
Past that an action started and finished at a
specific time in the past. Sometimes, the
speaker may not actually mention the
specific time, but they do have one
specific time in mind.
EXAMPLES
I saw a movie yesterday. Did you have dinner last night?
I didn't see a play yesterday. She washed her car.
Last year, I traveled to Japan. He didn't wash his car.
Last year, I didn't travel to
Korea.

USE 2 A Series of Completed We use the Simple Past to list a series of
Actions completed actions in the past. These
actions happen 1st, 2nd, 3rd, 4th, and so
on.
EXAMPLES
I finished work, walked to the Did you add flour, pour in the milk, and
beach, and found a nice place then add the eggs?
to swim.
He arrived from the airport at
8:00, checked into the hotel at
9:00, and met the others at
10:00.
USE 3 Duration in Past The Simple Past can be used with a
duration which starts and stops in the past.
A duration is a longer action often
indicated by expressions such as: for two
years, for five minutes, all day, all year,
etc.
EXAMPLES
I lived in Brazil for two years. They did not stay at the party the entire
Shauna studied Japanese for time.
five years. A: How long did you wait for them?
They sat at the beach all ay. B: We waited for one hour.
We talked on the phone for
thirty minutes.
USE 4 Habits in the Past The Simple Past can also be used to
describe a habit which stopped in the
past. It can have the same meaning as
"used to." To make it clear that we are
talking about a habit, we often add
expressions such as: always, often,
usually, never, when I was a child, when I
was younger, etc.
EXAMPLES
I studied French when I was a He played the violin.
child. He didn't play the piano.
She worked at the movie Did you play a musical instrument when
theater after school. you were a kid?
They never went to school, they
always skipped class.

USE 5 Past Facts or The Simple Past can also be used to
Generalizations describe past facts or generalizations
which are no longer true. As in USE 4
above, this use of the Simple Past is quite
similar to the expression "used to."
EXAMPLES
She was shy as a child, but now He didn't like tomatoes before.
she is very outgoing. Did you live in Texas when you were a
People paid much more to make kid?
cell phone calls in the past.
Complete the paragraph using the words in the brackets correctly

J.K. Rowling is the author of the Harry Potter books.
J. K.'s name is Joanne Kathleen. She ________ (be) born in 1965 in a small town
near Bristol, England. Joanne ________ (live) with her parents and her sister.
The Rowling family was not rich. Joanne ________ (not go ) to special schools.
She was a quiet child. She ________ (love) to read and write stories. Joanne
________ (go) to Exeter University, and she ________ (finish) in 1987. She
________ (work) in different offices. In her free time, she write) stories.
In 1990, Joanne's mother Joanne sad, and she to leave England.

She ________a job in the newspaper for an English teacher. The job was in
Portugal. She _________an interview, and she _______the job. In Portugal,
Joanne _________a Portuguese man. The next year, Joanne had a daughter,
but she ___________happy in her marriage.
She __________Portugal with her daughter and _________to live to Edinburgh,
Scotland, near her sister. Life was difficult for Joanne.
Complete the sentences using the words in the brackets correctly

1. I _____ (work) in a bank for ten years..
2. Where _________ (you/live) when you were young?
3. She ___________ not/study) French at university.
4. He __________ (travel) through the middle east last year
5. ________ (They/visit) the Louvre in Paris?
6. She __________ not/watch) TV yesterday.
7. _______(how) We (buy) a new car last weekend.
8. Where _________ (you/teach) before you came here?
9. He _________ (not/think) that he was right.
10. I __________ (cook) steak last night.
11. (Lucy/read) 'War and Peace' at school?

12. She ___________ (not/write) to her grandmother.
13. We ___________ (have) a computer when I was a child.
14. Where ____________you/go) on holiday.
15. I __________(love) ice cream when I was a child.
16. They _________ (not/meet) yesterday.
17. ____________ (she/swim) in the sea in Greece.
18. We __________ not/play) tennis yesterday because it was raining.
19. He _________ (try) to lift the box but he couldn't...
20. What _________ (you/eat) for lunch.
Draw a circle around the correct past tense verb in each sentence below.
1. I (losed / lost) my watch in the park.

2. David (hurt / hurted) his knee when he (falled / fell).
3. I kicked the ball hard and it (breaked / broke) a window.
4. My new shoes (cost / costed) a lot of money.
5. I (getted / got) this book from the library.
6. We had a garage where we (keeped / kept) our car.
7. Ali (shew / showed) me the cut on his knee.
8. The glass (falled / fell) off the table and (breaked / broke).
9. We (selled / sold) our old car and (buyed / bought) a new one.
10. The bell (ringed / rang) and we all (goed / went) into school.
11. The dog (catched / caught) the ball in its mouth.
12. The man (kneeled / knelt) down to talk to the little boy.
13. I (meeted / met) my friend in the park.
14. Our cat (runned / ran) onto the road in front of a car.
15. Jane (writed / wrote) a letter to her best friend.

Change the verb form of the following passage into the appropriate one
John Sutter grow up in Switzerland. In 1834, he go to the United States. He buy

land in California and start a farm called Sutterr’s fort. In 1848, a man named
James Marshall, who was working for Sutter, find gold on Sutter’s land. He show it
Sutter. The two men try to keep it a secret, but other men who were working there
soon find out about it. Right away they stop work to hunt for more gold. Sutter’s Fort
quickly become famous. During the next two years, over 40,000 people come there.
Workers leave their jobs, soldiers quit the army, and husbands leave their wives.
Sutter fight to save his farm, but the crowds destroy it. In 1873, Sutter leave
California. He die a poor and unhappy man.

UNIT 6 MULTI LEVEL MARKETING

(MLM)
AIMS: 3. To learn how to: calculate financial system of MLM
4. To practise: talking about MLM
Getting Started

 What do you know about MLM?
 Do you think it’s profitable? Explain briefly
 Why do you think people want to join MLM?
 Are there many manipulated plans done in MLM? Explain briefly
ACTIVITY 1
Reading
Multilevel Marketing
In multilevel or network marketing,

individuals sell products to the public — often by
word of mouth and direct sales. Typically,
distributors earn commissions, not only for their
own sales, but also for sales made by the people
they recruit.
Not all multilevel marketing plans are
legitimate. If the money you make is based on
your sales to the public, it may be a legitimate
multilevel marketing plan. If the money you make
is based on the number of people you recruit and
your sales to them, it’s not. It’s a pyramid scheme.
Pyramid schemes are illegal, and the vast
majority of participants lose money.
If you’re considering buying into a multilevel marketing plan, get the details.
Consider the Products

Many companies that market their products through distributors sell quality
items at competitive prices. But some offer goods that are overpriced, have
questionable merits, or are downright unsafe to use.

Find out what will you be selling. Are similar products on the market? Is the
product priced competitively? Is it safe? Can your sponsor — the distributor who is
recruiting you — support the claims about the product’s performance?
Almost any product or service could be sold through multilevel marketing,
including health, beauty, and fitness products that aren't available on store shelves.
Apply a healthy dose of skepticism before buying or selling products advertised as
having "miracle" ingredients or guaranteed results. Many of these "quick cures" are
unproven, fraudulently marketed, and useless. In fact, they could be dangerous. You
may want to check with a health professional before using them — or selling them.
If you decide to buy into the program and promote the products, you must be
sure your marketing materials are truthful and that there's solid evidence to back up
the claims you make about the products. Before you repeat any claims the company
has made, verify that there’s competent and reliable research to back them
up. That’s the standard the FTC uses when evaluating advertising claims.
Learn More About the Company

Find — and study — the company’s track record. Do an internet search with
the name of the company and words like review, scam, or complaint. Look through
several pages of search results. You also may want to look for articles about the
company in newspapers, magazines, or online. Find out:
 how long the company has been in business
 whether it has a positive reputation for customer satisfaction
 what the buzz is about the company and its product on blogs and websites
 whether the company has been sued for deceptive business practices
 Check with your state Attorney General for complaints about any company
you’re considering, although a lack of complaints doesn’t guarantee that a
company is legitimate.
Evaluate the Plan

Don’t pay or sign a contract in an “opportunity meeting.” Take your time to
think over your decision. Your investment requires real money, so don’t rush into it
without doing some research first.
 Ask your sponsor for the terms and conditions of the plan, including:
 the compensation structure
 your potential expenses
 support for claims about how much money you can make
 the name and contact information of someone at the company who can
answer your questions

Get this information in writing. Avoid any plan where the reward for recruiting
new distributors is more than it is for selling products to the public. That’s a time-
tested and traditional tip-off to a pyramid scheme.
Keep in mind that when you recruit new distributors, you are responsible for
the claims you make about how much money they can earn. Be honest, and be
realistic. If your promises fall through, you could be held liable, even if you are
simply repeating claims you read in a company brochure or heard from another
distributor.
If you don’t understand something, ask for more information until it is
absolutely clear to you. Your sponsor and other distributors should be willing to
answer your questions. Remember that your sponsor (and others above your
sponsor's level) will make money if you join the program. So take your time, and
resist pressure to join. Be aware of shills — fake references paid by the company
or distributor to pretend they were successful earning money through the plan.
ACTIVITY 2
1. What do mostly people do in joining MLM?
2. What do the individuals earn by joining MLM?
3. What should be considered before joining MLM?
4. What do we learn about the company related to multilevel marketing?
5. What should be done if we do not understand something in MLM?
6. How do people earn profits?
7. Why are pyramid schemes illegal?
ACTIVITY 3
Vocabulary: Match each word with the correct definition in the right column.
Recruit a. to swindle (someone) by means of a trick
Profit b. to strengthen or supply with new members.
Overpriced c. the ratio of such pecuniary gain to the amount of capital invested
Claim d. a person who publicizes or praises something or someone for
reasons of self-interest, personal profit, or friendship or loyalty.
Resist e. to assert and demand the recognition of (a right, title, possession,
etc.); assert one's right to
Shills f. to withstand, strive against, or oppose
Scam g. excessively high cost

ACTIVITY 4
Reading
What is a BOSSVENTURE???
BossVenture is an International Network-based Internet company with the
concept of online shopping like Amazon.com, Tokobagus.com, Berniaga.com etc. It
has new and unique system that other networks do not possess. It owns the Peek
which can provide discount up to 100% for each product. By having Peek Credit
System, BossVenture actually attracts all every online shopper in their own country,
Malaysia, and it becomes the opportunities for us in Indonesia because it’s new.
What is a Credit Peek???

It is the unit to see the discounted price for the item, product or vouchers.
Indonesian version of the website is still being developed and still continues to add
merchants that cooperate with Indonesia Boss Venture, and in the future there will
be more online shop products of Indonesia Boss Venture.
Fore BossVenture Indonesia will be an online shop which is getting bigger with
more and more partners are joining BossVenture
Indonesia Bossventure, in the future will be a bigger online shop with more
partners joining it.

1. What is Bossventure business like?
2. What are other business similar to BossVenture?
3. What thing does provide discount in Bossventure?
4. Where is Bossventure from?
5. What makes online shopper interested in buying something?

ACTIVITY 5
Look at the two pictures about BossVenture. Describe them using your own words.
Get focused on financial part of the picture.

UNIT 7 CAREER MOVES
1. To talk about unusual careers; describing jobs; discussing

the pros and cons of jobs
2. To learn Gerund phrases
AIMS: 3. To develop writing skill about career advantages and
disadvantages
Getting Started:
BEST JOBS BASED ON PERSONALITY TYPES
Artistic types like Conventional types like Enterprising types like
working with designs following instructions and leading people and
and patterns. routines making decisions.
Clothing designer Air traffic controller Filght attendant
Architect Accountant Lawyer
Investigative types like Realistic types like Social types like working
figuring out problems. working outside with real- with other people.
Veterinarian world materials. High shool coach
Pharmacist Restaurant cook Child-care worker
Bus driver
Source: Best Jobs for the 21st Century
 Can you think two of other jobs for each category? Compare ideas with your
group members.
 What personality type do you think you are?
 Would you want to do the jobs listed under your personality type?

ACTIVITY 1
Speaking: Career Debate
Discuss and decide with your group members whether you all agree or disagree
toward the given motions.
AGREE or DISAGREE?
“Designing clothes is not a man’s job. “Not so! Many great clothing designers
Women are much more fascinated by are men. Just look at Calvin Klein”
fashion”
“I would like to fly all the time. Being a “I don’t think so. Flight attendants get
flight attendant sounds exciting ” tired of travelling. They have to be
away from their families all the time.”
“I’d like to work for news paper, but “I don’t agree! Finding out about
writing a gossip column seems like an famous people’s lives could be really
awful job.” fun.”
“I’d enjoy working with animals. I think “I’m not so sure. Animals can be
being veterinarian would be unpredictable. Getting bitten by a dog
rewarding” would be scary.”
ACTIVITY 2
Write the occupation beside the job description. There may be more than one
correct answer
1. This person works in a flower shop and arranges flowers. ________________
2. This person works in a courthouse.__________________
3. This person makes and sells breads, cakes, cookies, etc. __________________
4. This person works in a hospital, looks after patients and helps the
doctors.______
5. This person wears a uniform and patrols buildings._________
6. This person fills prescriptions in a drugstore.___________
7. This person is an animal doctor.________________
8. This person cleans and looks after apartment buildings.____________
9. This person gives religious guidance.________________
10. This person prepares meals in a restaurant._________________
11. This person writes for magazines and newspapers.______________
12. This person keeps financial records, does tax forms.______________
13. This person answers the phone and greets people in an office._______

14. This person helps people with family problems._____________
15. This person makes and alters clothes.______________
ACTIVITY 4: Vocabulary- Personal Qualities and Employment

Match the quality with the correct definition.
__ 1. responsible/dependable/ a. comes on time
__ reliable b. doesn’t tire easily
__ 2. punctual c. acts like an adult, not a child
3. energetic d. does what he/she says he/she’ll do
__
4. mature
__ 5. honest e. has good manners
__ 6. conscientious f. works well with others
g. tells the truth, doesn’t lie or steal
__ 7. polite h. takes the job seriously
__ 8. co-operative
__ 9. thorough i.orderly, works according to plans

__ 10. patient j.can accept new or different ideas
__ 11. organized k. stays with the job, doesn’t give up easily,
12. open-minded can wait without being mad
__
l.does a good job, doesn’t forget anything,
pays attention to detail
__ 13. creative m. not lazy
__ 14. hard-working n. can control oneself
__ 15. resourceful o. has a talent for making new things and
16. Disciplined new ideas
__
p. good at solving problems with whatever
is available
__ 17. well-groomed q. sociable, not shy
__ 18. articulate r. neat and clean in appearance
__ 19. self-confident s. feels good about him/herself
20. out-going t. speaks well
__

ACTIVITY 5
Some qualities are very important for all jobs. If you become BUSINESSMAN OR
others, what QUALITIES do think you need to have? (use list in the previous
page)
Share your ideas with your classmates.
GRAMMAR FOCUS
Gerund Phrases
Gerund phrases as subjects Gerund phrases as objects
Designing clothes is not a man’s job. He wouldn’t like being a fashion designer.
Being a flight attendant sounds exciting. He’d enjoy being a flight attendant.
Writing a gossip column could be fun. She’d be good at writing a gossip column
Directing a TV show would be interestng They’d love directing a TV show.
ACTIVITY 6
Look at the gerund phrases in column A. Write your opinion of each job by choosing
information from column B and C. Then add two more gerund phrases and write
similar sentences.
A B C
1. working as an architect is awful
2. taking care of children seems scary
3. winning the lottery sounds fantastic
4. conducting an orchestra must be fascinating
5. working on a movie set could be pretty difficult
6. making a living as an artist would be kind of boring
7. writing for a newspaper really rewarding
8. retiring at age 40 very challenging
9. ...............................................................
10. ...............................................................
1. Working as an architect would be really rewarding.

ACTIVITY 7
Vocabulary: Suffixes
1. Add the suffixes: -er, -or, ist, or –ian to form the names of these jobs. Write the
words in the chart and add one more example to each column.
aerobics intruct.or.... counsel..... politic...... TV report ......

comed ..... gossip column..... psychiatr...... web design ......
-er -or -ist -ian

.................................. aerobics instructor .................................. ..................................
.................................. .................................. .................................. ..................................
.................................. .................................. .................................. ..................................
2. Pair work: Can you give a definition for each job?

“An aerobics instructor is someone who teaches people how to do aerobic
exercise.”
ACTIVITY 8
Speaking: Unusual Careers
Group work: Talk about an unusual career you would like to have. Use information
from Exercises 1-4 and your own ideas. Other students ask follow-up questions.
A: I’d enjoy doing TV interviews with famous people.

B: Why is that?
A: Asking people about their lives would be fascinating.
C: Who would you interview?
A: Well, I think I’d be good at talking to politicians.
ACTIVITY 8
Writing: Describing Pros and Cons
1. Choose a job and make a list of its advantages. Then use the list to write a
paragraph about the job. Add a title.
Being a commedian: It’s fun to be funny
Working as a commedian seems exciting. First of all, making people
laugh would be a lot of fun, because you’d be laughing all the time, too. In
addition, .....
Useful expressions
First of all, ...
In addition,...

Further, ...
On the other hand, ...
For example,...
2. Pair work: Read your partner’s paragraph. Then write a paragraph about the
disadvantages of your partner’s job. Add a title.
3. Pair work: Read your partner’s paragraph about your job’s disadvantages. Do
you agree or disagree?

UNIT 8 THE PAST AND THE FUTURE
1. To practise: talking about past and future; talking about

things to be accomplished in the future
2. To learn: referring to time in the past with adverb and
AIMS: prepositions
3. To learn: how to write biography
Getting Started:
The biggest toy fad in The Beatles hit the music Disco becomes the
history, the hula hoop, is scene, launching newest dance craze.
intriduced. Beatlemania
1958 1964 1975
More than 4.5 million Pokemon becomes an The Harry Potter series
Rubik’s Cubes are sold. overnight sensation. sweeps the nation.
1980 1998 2000
 Have any of these fads have been popular in your country?
 Which of these fads would have interested you? Why?
 Can you think of four fads from the past and the present? explain briefly

ACTIVITY 1
LISTENING
Listen to the conversation between Emma and
Steve, and answer the following questions!
1. Who gave the quiz?
2. Based on the conversation, who feels
good at history?
3. Can Steve answer all questions given?
Are they correct?
4. What are the correct answer for all
questions given by Emma?
ACTIVITY 2
A. Complete the paragraphs with words from the grammar box. Then compare with
your group members.
1. Rock music has been popular _________ more than 50 years. The Beatles were
a well-known English band___________ the 1960s. They performed
together_______ ten years - ________1960______1970. In 2003, the Beatles
released another album, even though two of the original members had already
died. The album was recorded_______1969, nearly 40 years________.
2. ________2003, the United States launched two Mars exploration spacecraft.
Their mission, which lasted________ more than a year, was to gather information
about the rocks, soil, and atmosphere on Mars using rovers called Spirit and
Opportunity. The rovers functioned longer than anyone expected – scientiests
thought they would last _________ only four months on Mars. ________ that
time they have sent back thousands of live pictures of the surface of Mars.

B. Group work: Write two true and two false statements about world events. Then
take turns reading your statements. Other give correct information for their false
statements.
Example:
A : Disco has been popular since the 1940s.
B : That’s false. It became popular during 1970s.
ACTIVITY 3
Enriching Vocabulary: match each word with the best example. Then compare with
partner of your group.
1. achievement ... a. The luxury ship Titanic sank in the North Atlantic Ocean in
1912.
2. assassination ... b. The cellular telephone was developed in Sweden about
25 years ago.
3. disaster ... c. Four planes were hijacked in the United States on
September 11, 2001.
4. discovery ... d. In 2003, a dinosaur with feathers and four wing was
found in China.
5. epidemic ... e. Since the late 1970s, HIV has infected an estimated 58
million people.
6. invention ... f. U.S. president John F. Kennedy was shot to death in
1963.
7. terrorist act ... g. In 1953, Sir Edmund Hillary and the Sherpa Tenzing
Norgay were the first to reach the summit of Mount
Everest.
Pair work Give another example for each word in the previous part.
“The exploration of Mars is an amzing achievement.”

ACTIVITY 4
DiSCUSSION: It made a difference.
Group work Choose two or three historic event (a disaster, an epidemic, an
invention, etc.) that had an impact on your country. Discuss the questions.
ACTIVITY 5: Writing

UNIT 9 ACCOUNTING
1. To learn about: types of accounting; financial

statements; key vocabulary of financial statements and
accounting
AIMS: 2. To learn how to: say figures in English; talk about
financial statements
3. To practise: presenting financial results
Getting started:
 What is accounting? Why is it necessary for companies and organizations?
 Is there one way of doing a business’s accounts, or lots of different possible ways?
 What is auditing and why is it necessary?
ACTIVITY 1
Vocabulary
You are going to listen to Eric Sharp, a financial director, talking about accounting. Before
you listen, check your understanding of the words and phrases in the box by matching them
with their definitions (1-10).

ACTIVITY 2
Listening: Types of Accounting
1. Listen to Eric Sharp talking about the different braches of the accounting
profession. What three roles or areas of work does he mention?
2. Now listen again and match the two parts of the sentences below.
1. Bookkeepers
2. Management accountant
3. Senior accountants at financial controller and director level.
4. Internal auditing
5. External auditors
ACTIVITY 3
Vocabulary 2
Investors and many people working in finance need to understand the basic
terms in financial statements. Decide which of the options (a –c ) each definition
describes.
1. A charge for arranging a transaction (e.g. buying or selling securities)
a. commission b. fee c. tax
2. A charge for a service performed by a bank
a. commission b. fee c. tax
3. Payments for an insurance policy
a. commission b. premiums c. tariffs
4. A reduction in the value of an asset, changed against profits
a. amortization b. loss c. waste.
5. Adjective meaning after all deductions have been made
a. gross b. net c. zero
6. Adjective meaning for a whole group companies.
a. consolidated b. corporate c. mutual
7. Adjective meaning one year or less in financial statements.
a. annual b. long-term c. short-term

8. Part-ownership (less than 50%) of other companies
a. conglomeration b. liabilities c. minority interests
9. Things of value that cannot be physically touched, such as reputation, brand,
names and trademarks
a. intangible assets b. liabilities c. tangible assets
10. The net worth of a company – the amount by which assets exceed liabilities
a. dividends b. profit c. shareholders’ equity
Now look at the income statement from Barclays bank, and complete it using
answers from Vocabulary 1. Some words can be used more than once.

UNIT 10 MEETING
1. To learn how to: chair a meeting; deal with interuptions

and digressions
2. To learn about: key vocabulary of meetings
AIMS:
Getting started:
 Are business meetings always necessary? Are they ever enjoyable?
 What kind of meetings do you think are most worthwhile?
 What kind of meetings do you think are least worthwhile?
 Are meetings sometimes too long? How much time do you spend in meetings,
and how could this be reduced?
ACTIVITY 1

ACTIVITY 2
VOCABULARY
Check your understanding of words and phrases for organizing and controlling
meetings (1-6) by matching them with their definitions (a –f)
ACTIVITY 2
Listening: Chairing a meeting
1. You are going to listen to a meeting at the head of the National Union Bank in
London. Before you listen, think of phrases that the person chairing a meeting
could use to do the following things.
1. Welcome people to a meeting:
2. begin a meeting:
3. Explain the meeting’s objectives:
4. Introduce the agenda:
5. Explain that someone can’t come:
6. Invite someone to speak:

7. Interrupt a speaker:
8. Stop someone interrupting a speaker:
9. Stop someone digressing:
10. Thanks a speaker for a contribution
11. Summarize what has been said:
12. Move on another item:
2. Now Listen to part of the meeting at the National Union Bank, and answer the
questions below.

LANGUAGE FOCUS
Controlling Meeting

UNIT 11 A JOB APPLICATION LETTER
1. To learn: parts of job application letter

2. To learn: how to write job application letter
AIMS:
Getting Started:
 Have you ever written job application letter? Explain briefly
 What points do you have to write in this kind of letter?
 What have you prepared to face job interview?
ACTIVITY 1
Writing
WRITING A JOB APPLICATION LETTTER
The letter of application is essentially a sales letter. It requires the information of the
personal data, school atended, employment experience, skill and achievements, and
reference. A letter of application is usually formal. It consists of:
1. The heading
It consists of the applicant’s address: street, city , state, zip code, and country.
This is the example of the heading:
Athar Abdul Zakir
52 A. Orchard Street
London
W2 3BT
Mobile: 085223125582
E-mai: athar.zakir@yahoo.com
2. City and date of the letter
City shows the place where the applicant writes the letter and date shows its
time. For example: OHIO, August 24, 2014
3. Inside address
It is the name of the company and its address that the applicant sends the letter
to. This is the example:
Fortnum & Mason
181 Piccadilly
London
WIA IER

4. Salutation
It’s related to greeting formally to a company we are applying.
Dear Madam; Dear Mrs. Roses;
Dear Sir; Dear Mr. Alex;
Dear Sir/ Madam Dear Mrs. Anne.
5. Opening paragraph
It tells how the applicant gets vacancy.
6. Body
The body of an application letter is used to discuss the main point of the letter.
The applicant will also write his identity in short.
7. Closing
It tells the applicant’s hope to be an employee in the company
8. Complimentary closing
Sincerely; Your Truly;
Sincerely Yours; Your Respectfully;
9. Signature
It shows the signature and the name of appilcant. The letter of the application is
designed to accomplish five objectives:
a. to inform our prospective employer what job we are interested in and where
we learned about it.
b. to persuade him/ her that our qualification match the requirement listed for
that position.
c. to refer him/her those features listed on our resume that are paricularly
relevant to the position advertised
d. to indicate that we are available for an interview.
e. to present ourselves in writing as an intelligent, confidence, and responsible
applicant.
ACTIVITY 2
Read the example of job application below.
Jonathan Peterson
298 Palm Street
Heading Dexter, OH 05063
(861) 587-668
Mr. George Gilmore
Gilmore Company
Inside Address
87 Delaware Road
Hatfield, CA 08065
(909) 555-5555

OHIO, June 24, 2008 City, and date of letter
Dear Mr. Gilmore Salutation
I’m writing to apply for the programmer

position advertised in the Times Union. As requested,
I am enclosing a completedjob application, my Opening par.
certification, my resume, and three references.
The opportunity presented in this listing is
very interesting, and I believe that my strong
technical experience and education will make me a Body
very competitive candidate for this position. The key
strengths that I possess for success in this position:
I have successfully designed, developed, and
supported live use applications.
I strive for continue excellence
I provide exceptional contributions to customer
service for all customers.
With a BS degree in Computer Programming, I
have a full understanding of the full life cycle of a
software development project. I also have
experience in learning and excelling at new
technologies needed.
Please see my resume for additional
information on my experience. I can be reached
anytime via cell phone, 555-555-5555. Thank for Closing
your time and consideration. I look forward to
speaking with you about this employment
opportunity.
Sincerely Yours,
Complimentary Close
Jonathan Peterson

ACTIVITY 3
Read the advertisement. Then write an application letter based on the job
advertisement you have read. You get information from Daily Newspaper dated
March 16, 2014.

UNIT 12 FOREIGN EXCHANGE
1. To learn about: exchange rates; foreign exchange

trading; key vocabulary of exchange rates
2. To learn how to: talk about graphs and charts
AIMS: 3. To practise: describing a graph related to your work
Getting started:
 How many different currencies can you name?
 How is the value (the exchange rate) of your currency determined?
 Has the exchange rate, compared to US dollar or the euro, remained constant
over the last few years?
 Do you know the history of your currency over the past 50 years?
ACTIVITY 1
Listening: Freely floating exchange rates
1. Listen to Peter Sinclair talking about the potential problem s of freely floating
exchange rates, and answer the questions
1. What does Sinclair say about the current trend in exchange rates?
2. What examples does he give of unexpected pieces of news?
3. What can happen to currencies in response to unexpected news?
4. Why can currencies be at the wrong level for long periods of time?
2. Now listen again, and complete tha last part of what Sinclair says.
3. Do you know any other words that could be used for answers (6) and (10)?

ACTIVITY 2
Discussion
ACTIVITY 3
LANGUAGE FOCUS
Describing trends and graph
3. Look at the graph showing the development of the USD/GBP exchangerate and
complete the description using words and pphrases from the box.

ACTIVITY 4
Practice
Find a graph from your job, a business publication or on the internet, and the
necessary background information. Then explain it to the class using some od the
words from the Language Focus., aand answer any questions they have. For
example, you could explain:

BIBLIOGRAPHY
Azar, Betty Schrampfer. 1999. Understanding and Using English Grammar. US:
Longman
Eastwood, John. 2002. Oxford Practice Grammar. Oxford: Oxford University Press
FTC.2012. Multilevel Marketing. Retrieved from
http://www.business.ftc.gov/documents/inv08-bottom-line-about-multi-level-
marketing-plans
McKenzie. 2008. English for the Financial Sector. Cambridge: Cambridge University
Press
Murphy, Raymond. (1985). English Grammar in Use. UK: Cambridge University Press.
Richard, Jack C., et. al. Interchange 3 Third Edition. Cambridge: Cambridge
University Press.
Soeparto, et.al. English for Specific Purposes. Malang: UMM Press

Appendix
My Report
Name: ___________________________
NPM: ___________________________
Class: ___________________________
1 2 3 4 5 6 7 8 9 10 11 12
Presentation
Weekly
Assignment
My reflection
What I got

What I deserve to get

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UNIT 1 THE ORGANIZATION OF THE FINANCIAL INDUSTRY

1. To learn about: the organization of the financial industry;

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1. Were most financial institutions national, or international?

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Examples: I had a credit card, so I didn’t need to pay cash

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1. To learn about: development in retail banking, banking

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1. To separate 1. A big hierarchy of directors and

assets income national income trend

1. A general development or change in a situation or people’s behaviour

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Direct debit Balance Loan

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Telephone banking The stock market in your country

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1. To learn how to: write emails using standard phrases;

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1. Rewrite the email above in correct standard English.

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Leaving out words

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GRAMMAR FOCUS: Simple Present Tense

Put the verbs into the correct form.

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Make negative sentences.

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1. To learn about: the specific information from the text

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Advantage Example of corporation Purpose of making

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PRACTICE 1. The form of modal auxiliaries.

Directions: Add the word to where necessary. Write 0 if to is not necessary.

3. Tom and I might__________ play tennis after work tomorrow.

4. You had better___________ see a doctor.

5. Would you___________ speak more slowly, please?

6. The students have ____________take a test next Friday.

7. Everyone should _____________pay attention to local politics.

8. Everyone ought___________ pay attention to local politics.

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Necessity: MUST, HAVE TO, HAVE GOT TO.

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Speaking: Discussing Business of Our Choice.

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1. To learn about: the specific information from the text

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Complete the paragraph using the words in the brackets correctly