1.

Financial decisions based on personal values refer to the choices we make with our money that align with our beliefs and
priorities. For example, someone might prioritize saving for the future, while another person may value giving to charitable
causes. It's all about making choices that reflect what matters most to ourselves.
2. Underline the present simple and present continuous tense below:

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

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

There are lots of enjoyable activities students can do while they are traveling, they can try the local food of the city, country or place
they are visiting. They can walk around the place they are visiting. And they can go to iconic places or popular places there.
 5. Read the following discussion reading about holiday suggestions between Nadia, Juan, and Keira, then answer the question.

a. What will the discussion forum be about? b. How many suggestions can you think for Nadia?

The discussion forum will be about holiday suggestions, There are 2 suggestions that I thought for Nadia:
particularly the idea of home swap holidays and the
1). Home swap holidays, as recommended by Juan and
experiences of individuals who have tried them.
Keira.
2). Trying a different way of experiencing holidays by
1). Were your predictions correct? living in someone else's home and immersing in the
local culture.
The predictions were correct. The discussion was
about holiday suggestions, specifically home d. Read the discussion forum again. Answer the question.
swap holidays. 1). Why should you trust the people who stay in your home?
We should trust them because, in a home swap, they are
2). Did you have the same idea as Juan?
offering you their home in return, demonstrating mutual trust.
Yes, Juan suggested the idea of home swap 2). Why was Keira tired, stressed and nervous the first time?
holidays. Keira was tired and stressed because their car broke down on
the motorway that morning, and she was nervous about the
3). Would you like to go on a holiday like this? uncertainty of the home they were swapping to.
Why / Why not? 3). What were the two problems Keira had before the woman
I might be intrigued by the concept since it allows answered the door?
me to immerse myself in a different culture while The two problems were that their car broke down on the
staying in someone else's home during a vacation. motorway, leading to stress and tiredness. Additionally, her
However, I might also feel concerned about little boy lost his favorite toy, causing distress.
hosting a stranger in my own house. 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.

6. Holiday Travel Blog

Zetta : My family and I want to go on a really fun holiday for five Gia : Oh, it was last 6 months. It was a bit of a nightmare! We
days. But it also needs to be very cheap! Any ideas, anyone? were staying in a family's home in Barcelona, and we woke up
Zacky : Hi Zetta! We do a lot of home swap holidays. They're one morning, and there was water everywhere! It was coming
fantastic! You live in someone else's home during your holiday, and through the ceiling. I tried to sort the problem out, but I
7. Read the introductory paragraph to the article.
a. The introductory paragraph suggests that the article is about alternative ways of obtaining loans or
borrowing money beyond traditional banks.
b. Yes, Correct.
c. Read the article. In which text(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. Why did?
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. Note down what these numbers in the article refer to.

1). $25: The minimum loan amount on Kiva.com 4). $1.2 million: The amount Hans Fex raised from
that borrowers can request. 5,030 people through crowdfunding for his Mini
2). 100: The maximum borrowing period (days) Museum.
mentioned in Text 1, where people in 5). 8.81 million: The number of borrowers in 81,392
Ninomiya Sontoku's village could borrow villages associated with Dr. Muhammad Yunus's
money for up to 100 days. 'Village Bank' in 2015, as mentioned in Text 2.
3). £26,000: The amount the London music group 6). $1.02 billion: The total amount lent through
received from a thousand fans in 2007 Kiva.com by 1.5 million lenders to 2.5 million
through crowdfunding to make their album. borrowers in 83 countries.
8. Write 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