03U N I T

Hace realidad tu proyecto de vida

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This Document was made by:

Jenny Alexandra Ríos Gaviria.

Institución Universitaria ESCOLME.

BANKINGBANKING

03

Unit Name: Banking.

Unit achievements:

Explain di�erent term related with money. Discuss ways to invest. Talk about actions with consequences. Talk about impossible things. Use idioms.

MONEY 1

SECOND CONDITIONAL 3-7

IDIOMS USING LUCK 8

SUPERTITION 9

THIRD CONDITIONAL 10-14

READING 2

03

VOCABULARY

Match the word with the de�nition:

1. Money Refers to money in any form when in actual use or circulation.

2. Cash The amount of money received from work.

3. Budget Is a debt provided by one entity, organization or individual.

4. Income Refers to money in the physical form of currency, such as banknotes and coins.

5. Expenses Quantitative expression of a plan for a de�ned period of time.

6. Loan Cost of doing business.

7. Overspend Spend more money than one can a�ord.

8. Bank Is any object accepted as payment for goods and services.

9. Interest rate Rate at which interest is paid by a borrower.

10. Currency A �nancial institution.

03

READING

1. Buy used items.We remember to buy used items with some purchases1, like cars and video games. But we can shop clothes, electronics, or even furniture.

4. Treat yourself once in a while.Rewarding yourself, is a great method for maintaining control of your �nances without going overboard. Set rules for yourself.

7. Borrow (or buy) from your friends.Friends are a great resource for borrowing essential items, if you buy to them you may get a great deal.

10. Unplug electronics when you’re not using them.Remember that certain electronics can take up a lot of energy, even when they’re turned o�.

http://www.lifehack.org/articles/money/10-common-money-mistakes-you-probably-make-that-can-ruin-your-�nances.ht

8. Cook instead of eating out.If time isn’t on your side, try cooking a lot of food on a day with more free-time. As long as you freeze what you’ve cooked.

9. Watch Matinees.You should also consider watching the matinee in order to save some money, especially if you watch movies every weekend it is cheaper.

5. Shop around.Visit other stores (or even online) to compare prices and features. You may �nd products cheaper, or better, somewhere else.

6. Use cash.If you use cash, your subconscious is more likely to feel the pain from losing that money, resulting in a more conscious e�ort to control your spending.

2. Wait a day before you make a purchase.This is crucial for big purchases. If you really want to buy something, wait a day or longer and see how you feel then.

3. Buy in bulk2.The guideline for this is simple: Toilet paper, tissues, toothpaste, and other essential items are great for bulk because you’ll be saving money in the long run.

10 MONEY-SAVING TIPS THAT MOST PEOPLE OFTEN FORGET

GRAMMAR

Second conditional: unreal possibility or dream.

We are still thinking about the future. We are thinking about a particular condition in the future, and the result of this condition. But there is not a real possibility that this condition will happen.

When using the verb be in the if clause, were is used for everyone; it is not wrong to use was, it is just more informal. (He were…)

If I made a budget, I would have more money (but I´m lazy to do a budget)1 : Si hiciera un presupuesto, tendría más dinero.

If I had a million dollars

I would quit my job!

If clause (simple

past)

Result clause

(would)

CONDITION

if + Simple past

if I made a budget.

if she were a model.

CONDITION RESULT

If + Simple past

If I made a budget,

If she were a model,

would + Verb

I would have more money1.

she would be rich.

RESULT

would + Verb

I would have more money

She would be rich

03

PRACTICE

1. If we ________ (be) in vacations, we ________ (be) able to go to beach.

2. If I ___________ (have) a boyfriend, I _________ (go) to that concert.

3. If she ________ (be) happy in her marriage, she __________ (not be) ask for the divorce.

4. If it _________ (stop) raining, I _______ (use) a dress.

5. If I _________ (be) you, I _________ (study) more.

6. If he________ (be) 18, he could get into a club.

7. If we _______ (win) the lottery, we _______ (work) anymore.

8. If you _______ (live) here, I _______ (talk) more often.

CONVERSATION MODEL

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Teacher: Ann, if you could be anyone in the world, who would you be?

Ann: Well, Miss I don´t know, maybe I would like to be the president so I could help people.

Teacher: Good Ann, And Tomas, if you were an animal, what animal would you be?

Tomas: Miss, I would like to be a tiger, because they are strong and smart.

Teacher: Good, Tomas. And what about you Tina, If you could make one change to the world, what would you do?

Tina: Miss, I think that I would change the sel�shness of the people because without it, people could help more to the other.

Teacher: Great Tina, you´re right!

CONVERSATION MODEL

03

JOKEA man was complaining to a railroad Engineer1. What's the use of having a train Schedule2 if the trains are always late. The railroad engineer replied. How would we know they were late, if we didn't have a schedule?

Railroad engineer1: ingeniero de ferrocarril. Schedule2: horario.

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VOCABULARYFURTHER INFORMATION

Para más información visita los siguientes links para ver videos de second conditional.

https://www.youtube.com/watch?v=U0oNY9YWhtshttps://www.youtube.com/watch?v=U0oNY9YWhtshttps://www.youtube.com/watch?v=YEwcIsTKBU4 https://www.youtube.com/watch?v=oJL29q3t6Oghttps://www.youtube.com/watch?v=Xq2l4hpSZpo

Visita los siguientes links para practicar con más ejercicios de aplicación. http://www.agendaweb.org/verbs/conditional-second-exercises.htmlhttp://www.myenglishpages.com/site_php_�les/vocabulary-lesson-environment.php#.UynyX6h5N_4

Visita los siguientes links para encontrar juegos con second conditional.

http://www.slideshare.net/danilyra/second-conditional-gamehttp://www.learnenglish-online.com/grammar/tests/2ndconditional.htmlhttp://www.engames.eu/second-conditionals-a-simple-explanation-of-a-di�cult-grammar-point/

03

VOCABULARY

Any luck?: Used for asking someone if they were able to get or do something.Bad/hard/tough luck: used for saying you are sorry that something bad has happened to someone.To be or feel lucky: get lucky, luck out, do something for luck, be on a roll, thank your lucky stars, can’t believe your luck, have the luck of the devil... moreDown on your luck: having a long period of di�culty �nding work and earning money.Bad luck: misfortune, unfortunate, unlucky.Good luck: used for telling someone that you wish them success.In luck: able to get or do something that you wanted that did not seem likely.Luck: is on someone's side if luck is on your side, things happen the way that you want them to.Out of luck: unable to have or do something that you wanted.A stroke/piece of luck: something that happens by chance and that helps you to achieve something.

http://www.learn-english-today.com/idioms/idiom-categories/luck/luck-opportunity1.html http://www.macmillandictionary.com/thesaurus/british/luck

03

READING

Rabbit's foot A rabbit's foot is considered lucky by many, if carried in a pocket. This lucky charm's in�uence dates back to 500BC. The claim that rabbits are rather proli�c was linked to luck, especially when it came to the life of others. But because of rabbits' proximity to land, their fertility was believed to help families with their crops, and as a result, general �nances and family.

Salt Salt has several connotations; for one, spilling salt is seen as bad luck. Some contend that Judas spilt salt during the last supper (but this, like most claims, cannot be proven) and it is for this reason that spilling salt is bad. But others argue that since salt was an expensive commodity (around the Middle Ages at least), spilling it was highly undesirable.

Walking under a ladder Early Christians believed that any ladder that was leaning formed a triangle, with the wall and ground being the other two sides. This triangle supposedly represented the Holy Trinity, and walking through it violated it.

SUPERSTITION

7 years bad luck Romans believed that life would renew itself every seven years and that a person's life could be transferred to a mirror. If the mirror breaks, then the last person who looked into it was believed to be in bad health and would continue to be in bad health for the next seven years of their life — until, that is, they got their renewed life.

Knock on woodTraditionally, the purpose of knocking on wood was to keep the devils in the wood. Romans incorporated this habit, as they �rmly believed that this was a way to communicate with the dryads (tree spirits). Immediately after someone said something good about oneself or others, they would immediately knock on wood so that the dryads wouldn't take away their good fortune.

Friday the 13thBelievers suggest that Adam and Eve were expelled from the Garden of Eden on a Friday, Noah's weather troubles started on a Friday, and last but not least, Christ was cruci�ed on a Friday as well. In fact, 13 was unlucky even before Jesus' time. The Hammurabi Laws, for example, skip number 13.Judas was the 13th guest at the �nal supper, and ultimately betrayed him.

http://www.askmen.com/top_10/entertainment/29b_top_10_list.html

03

GRAMMAR

Second conditional: unreal possibility or dream.

We talk about a condition in the past that did not happen. That is why there is no possibility for this condition. The third conditional is also like a dream, but with no possibility of the dream coming true.

If the “if” clause comes �rst, a comma is usually used. If the “if” clause comes second, there is no need for a comma.

If I had found a 4 leaf clover, I would have won the lottery: Si hubiera encontrado un trébol de 4 hojas, me hubiera ganado la lotería.

If I had wonthe lottery

I would have travel

all over the world

If clause (simple

past)

Result clause (would have +

past participle)

CONDITION

If + past perfect

If I had found a 4 leaf clover.

If I had gone to a witch.

CONDITION RESULTIf + past perfect

If I had found a 4 leaf clover,

If I had gone to a witch,

would + have+ past participle.

I would have won the lottery1.

I would have come back with him.

RESULT

would + have+ past participle

I would have won the lottery

I would have come back with him

PRACTICE

03

1. If I ____________ (work) harder in my o�ce, I _____________ (get) the pro-motion.

2. If I _____________(have) time, I__________ (study) more.

3. If we __________(travel) when I told you, we ________ (have) all this prob-lems.

4. If we _______ (catch) the earlier bus, we __________ (get) there on time but we were late.

5. If She__________ (not/get) her job as a sales representative, she ___________ (not/move) to Bogota.

6. If Susan___________ (not/go) to the party, she_______ (not/meet) her new boyfriend.

7. If she________ (change) her car, she_______ (not/have) the accident.

8. If he_________ (come) on time, he________(have) the chance to see the whole movie.

03

CONVERSATION MODEL

A: If you had taken that road, we wouldn´t have lost!

B: Maybe, but if I hadn´t taken that road, we wouldn´t have found that great town, where we ate so well.

A: Yes, but now we are late to go to my mother´s house!

B: Maybe, but if I hadn´t taken that road, we wouldn´t have bought the dress that you liked so much!

A: But, what is she going to think?

B: Well, maybe if your mother had come with us, she would have had as much fun as we did!

A: So, can we invite her, the next time?

B: We will see!

Newlyweds: recién casados.

CONVERSATION MODEL

03

JOKE

Fish1: How did we end up1 in this �sh shop2?Fish2: Well, if we hadn´t opened our mouths, we wouldn´t have been caught!

End up1: Terminamos.Fish shop2: Pescadería.

03 03Documento elaborado por: Jenny Alexandra Ríos Gaviria, todos los derechos reservados de la Institución Universitaria Escolme. Imágenes tomadas de freepick.com, tiras comicas realizadas a través de http://bitstrips.com/create/comic.

FURTHER INFORMATION

Para más información visita los siguientes links para ver videos de third conditional.

http://www.blueblocnotes.com/grammar/conditionals/third-conditionalhttps://www.youtube.com/watch?v=Kgvqyt_8Zushttps://www.youtube.com/watch?v=eO1ahOV66o0https://www.youtube.com/watch?v=CtbUTLGXjRIhttps://www.youtube.com/watch?v=9EpuItdpqgE

Visita los siguientes links para practicar con más ejercicios de aplicación.

http://www.agendaweb.org/verbs/conditional-third-exercises.htmlhttp://www.tolearnenglish.com/exercises/exercise-english-2/exercise-english-4485.php

Visita los siguientes links para encontrar juegos con third conditional.

http://eslkidsworld.com/Interactive%20games/Grammar%20Games/Conditionals/third%20conditional%20matching%20quiz.html

http://eslgamesworld.com/members/games/grammar/�ing%20the%20teacher/conditionals/conditionals%20practice.html

WWW.ESCOLME.EDU.CO / ESCOLMEVIRTUAL@ESCOLME.EDU.COCALLE 50 #40-39 / 4442828 EXT: 113 / MEDELLÍN/COLOMBIA

03 Hace realidad tu proyecto de vida

educación a distancia - Virtual