Discuss with your partner.

Read the money facts. Do any of them

surprise you? Do you think these statistics
are similar in your country? Why / Why
not? (2 min)

Ex: 1a. Page – 92

3 min Ex: 1b. Page – 92
1. budget
2. pay off
3. donations
4. Debt /det/

5. interest rate
6. savings
7. income
8. investment
 budget
Monthly ________
Does this show how much
Income money I will spend?
Income total - 300,000 MMK Yes
Expense Does it show how much money I
Meals - 80,000 MMK will earn?
Phone bill - 20,000 MMK Yes
Entertainment - 30,000 MMK Do you also keep a monthly
budget?
Transport - 20,000 MMK
Savings - 150,000 MMK
I borrowed 500,000 MMK from my friend last month and
paid off
I _______________the debt last week.

Did I pay back the money?

Yes
Did I pay back just some of it?
No
Did I pay back all of it?
Yes
 I’ve saved 100,000 MMK in AYA bank and every month, I get
interest
7000 MMK as ___________, interest rate
so the _______________ is 7%.

Is interest the extra money I get from the bank?

Yes
Do I get the interest if I don’t keep my money there?
No
If I borrow money from the bank, do I need to pay interest?
Yes
The percentage of interest is…..
Interest rate
 1. Saving money is a good habit.
2. You can make savings of about $69,500.

Which one is the gerund: saving or savings?

Saving (sentence 1)
Which one is an action?
Saving (sentence 1)
Which one means the money you save?
Savings (sentence 2)
Which one always takes the plural form?
Savings (sentence 2) – money
Listen to the teacher. Which letters are omitted in the
following words?

budget debt interest

2 min Ex: 2a (vocab). Page – 102

1. budget
2. income
3. debt
4. interest rate
5. donations
6. paid off
3 min Ex: 1c. Page – 92

1. award / grant
2. debits / account
3. make / living
4. donate / charity
5. finance / project
6. put aside / savings
 The university decided to award her a grant of ₤5,000 for her
postgraduate study.

Did the university give her ₤5,000?

Yes
Does she need to pay back the money?
No
For what purpose did they give her the money?
For postgraduate study
Without looking at your book, match the verbs 1-6
with the phrases a-f to make collocations.

1. put aside a) someone a grant

2. donate b) an account
3. award c) a living
4. finance d) money to a charity
5. make e) a project
6. debit f) savings
Without looking at your book, match the verbs 1-6
with the phrases a-f to make collocations.

1. put aside F- savings

2. donate D- money to a charity
3. award A-someone a grant
4. finance E- a project
5. make C- a living
6. debit B- an account
Work in pairs and discuss the
questions on the next slide.
Read the situations. Do you agree or disagree? Why / Why not?
1. You should never borrow money if you’re still paying off another debt.
2. Borrowing money from the family is the best way to finance a small
project.
3. The government should make everyone with an income donate some
money to charity.
4. At school, all children should learn how to work out a budget.
5. The government should award grants to everyone who goes to university.
6. You should start putting aside savings for your retirement as soon as you
get your first job.
7. You should pay off your credit card bill every month.
8. Renting rooms in your home is an easy way to make a living.
 Ex: 2a. Page – 93

✔ ✔
✔ ✔ ✔
Ex: 2b. Page – 93
 Jacob Sophie
She has her savings in a long-
He’d like to start saving for a
Caller’s home, but never seems to
term interest account and she
problem wants to know if there is a
save much money.
better place to put her money.
Transfer his credit card debt Pay off the student loan
Mia’s to one with low interest, start before worrying about
advice paying off as fast as possible, investments
cut up his new credit card.
 Discuss with your partner.
Think – 30s

Do you agree with Mia’s advice? Why / Why not?

What would you were them?
30s Ex: 3a, Page – 93

b
c
a
30s Ex: 3b, Page – 93
b
c
a

Sentence 3
Sentence 1

Sentence 2
1 min Ex: 3c, Page – 93
If I do that, I won’t be able to afford things like holidays and going out for
dinner.

Is this about the past, future or present?

Present and future
Is it a likely or unlikely situation?
Likely
Which conditional is it?
First conditional
If you transferred your card, you’d pay as little as 3%.

Is this about the past, future or present?

Present and future
Is it a real or imagined event?
Imagined
Is it a likely situation?
No
Which conditional do we use?
Second conditional
1. If you transferred your card, you’d pay as little as 3%. (2nd
conditional)
2. you transferred your card, you’d pay as little as 3%. like holidays and
going out for dinner. (1st conditional)

Look at the sentences above and complete the forms.

1st conditional
Present tense
If + ____________________, Future
___________________.
2nd conditional
Past tense
If + ____________________, infinitive
would + ___________________.
 Listen. Do you hear the vowel sound in ‘if’?

If you transferred your card, you’d pay as little as 3%.

/f/
If I do that, I won’t be able to afford things.
/f/

In rapid speech, do we pronounce the word ‘if’ clearly?

No
Is the vowel sound /I/ dropped?
Yes
 4 min

Ex: 3e, Page – 93

Discuss your sentences. Did

you use the same conditionals?
 Complete the sentences with your own idea.

1. If our teacher wasn’t a teacher,…………………………………………………….

2. If I were a very talented singer, …………………………………………………….
3. If I knew my neighbour was a robber, …………………………………………………….
4. If my ex-boyfriend/girlfriend phones me this evening, ……………………………
5. If the class is cancelled tomorrow, …………………………………………………….
6. If we finish this exercise quickly, …………………………………………………….
 Compare your sentences in your group. Whose sentences are
the most interesting?

If I were a talented singer, I’d upload my

songs on YouTube. How about you?
What would you do if you were a
talented singer?

If I were a talented singer,

I’d…..
Read Is it time to give up on cash?. What’s the writer’s aim?
1. To promote the benefits of a cashless society
2. To question some of the benefits of a cashless society
3. To give a balanced view of the benefits and drawbacks of a cashless society

Page – 94

1 min
4 5
6 3
2

1 min Ex: 4c, Page – 94

4 min Ex: 4d, Page – 94
1. What’s the evidence we’re already in a cashless society?
2. What costs do businesses and consumers have when they use cash?
3. Why might you spend more when you use a credit card?
4. What does the psychological test tell us about the relationship
between digital payment and honesty?
5. What does the writer suggest the overall effect is of a cashless
society?
 Discuss
Think with your partner.
– 1 min

In the last paragraph, the writer suggests the effects of a cashless society
are that people have become dishonest and we might not be happier
despite being more efficient.
Do you agree with the writer? Why / Why not? What other effects can
you think of?
What event do you think this is? London Olympics
Discuss
Think - 1with
min your partner.

Ex: 1a, Page – 95

Read the article and choose the correct
answer. (1 min)

Ex: 1b, Page – 95

Read the questions – 30 seconds.
Ex: 1c, Page – 95
Listen and answer the questions.

Speaker 3
Speaker 2
Speaker 4
Speaker 1
Listen andquestions
Read the answer –the
30 questions.
seconds. Ex: 1d, Page – 95
Read the article and answer the
questions. (3 min)

Ex: 1e, Page – 95

Text: 8B, Page - 133
1. Not very honest
2. She wrote her name and number on the envelope in case the
owner had any spare tickets and was feeling generous.
3 min Ex: 2a, Page – 96

1. b (just imagining a situation)

2. c (the past)
3. If + had + past participle, would
+ have + past participle
If I’d found one of the letters in the street, I would have posted it.

Is this about the past, future or present?

The past
Did I find the letter?
No
Did I post it?
No
Is this a real or imagined past?
Imagined
Which conditional is it?
2 min Ex: 2b, Page – 96

1. b (to criticise
someone)
2. b
(should(n’t) + have+ past
participle)
The person should have been more careful.

Was the person careful?

No
Was it a good idea to be more careful?
Yes
Am I criticising that person?
Yes
Listen andquestions
Read the answer –the
30 question.
seconds. Ex: 2c, Page – 96
 Rewrite the sentence with third conditional.

I didn’t take the exam because I didn’t know about it.

would have taken the exam if I’d known about it.

I ___________________________________________
 4 min
Ex: 8B (a), Page – 149

If + past perfect, would

have + past participle
2. If they’ hadn’t gone / been to the same university, they wouldn’t
have met and fallen in love.
3. If it hadn’t been raining, we wouldn’t have taken the metro.
4. We would have bought the picture if it hadn’t been so expensive.
5. I would have heard the phone if you hadn’t been listening to music.
6. If my parents hadn’t given me some money, I wouldn’t have been
able to buy a car.
Read out the sentence to your partner.
Say ‘monkey’ in the place of blanks.
If there are three blanks, say monkey three times.
Your partner has to guess what the missing words are in 3
attempts.
The words must be exactly the same.
You win one point for every correct guess.
You have the most points, you are the “WINNER”.
Discuss
Think - 2 in
min Ex: any
group. Do 5a, Page – 97
of your If + past perfect, would
partners’ answers surprise you? have + past participle
3 min Ex: 8B (b), Page – 149
2. He shouldn’t have spoken to me like that.
3. You shouldn’t have pressed that button.
4. You should have told me (it was your birthday).
5. It should have stopped.
6. She should have taken more driving lessons.
I didn’t eat breakfast this morning and I’m now having a stomachache.

You should have gotten up

early to have time for
breakfast.

Write four similar situations of your own. (2 min)

 _c _r _i m
_ _e _s
a nd
_ _i _n _a _l _s
_c _r _i m
 Which words in the box can you use to describe pictures a-f?
(e)burglary theft (d) robbery (c) cheating lying
(f) bribery murder (b)kidnapping (a)shoplifting
a b c

d e f
 bribery
John Mike
Does Mike offer money to John?
Yes
Does Mike want John to do
something for him?
Yes
Is it legal or illegal to give money to
John?
Illegal
burglary
Does he come into the house?
Yes
Does he have the key?
No
Is he the owner of the house?
No
Does he come in to steal something?
Yes
2 min Ex: 4c, Page – 97
1 burglary
2 thief
3 robbery rob

4 cheat
5 liar
6 bribe
7 murderer murder
8 kidnapper kidnap

9 shoplifter shoplift
Discuss
Think –with
1minyour partner.

burglary theft robbery bribery

murder kidnapping shoplifting

1. Which of these crimes are common in your country?

2. Who usually commits these crimes? Why?
3. What can we do to prevent these crimes?
(1) Broke into a jeweller’s shop
Match the underlined phrases with
the correct pictures. (3 min)

Ex: 8B (a),
Page – 161
1. c
2. a
3. b
4. g
5. h
6. e
7. f
8. d
 Look at the news on pg 161 again and match
the phrases with their definitions.

a) the hearing of statements and showing of objects, etc. in a

1. suspect c court of law to judge whether a person is guilty of a crime
2. arrest d b) someone who sees a crime, accident, or other event happen
3. trial a c) a person believed to have committed a crime
4. witness b d) take someone away to ask them about a crime which they
5. jury f might have committed
6. verdict g e) to decide or say officially what a punishment will be
7. sentence e f) a group of chosen people, usually 12, who judge a court case
8. accuse h g) an official decision made in a court
h) say that someone has done something wrong
 Two suspects were arrested.
Who are these two men?
The suspects
Did the police think they broke into the shop?
Yes
They were arrested. Where were they taken?
Police station
Who took them?
The police
Are the police going to question them about the
crime?
Yes
 Does it happen at a court?
trial
Yes
Do lawyers present evidence and facts about
the crime?
Yes
Does the judge listen to them?
Yes
Does the judge decide if the person is guilty?
Yes
Is trial a place or a process?
A process
jury
Do they listen to the facts in a trial?
Yes
Do they decide if a person is guilty?
Yes
Are they judges?
No
Are they chosen from the general public?
Yes
The jury gave a verdict of guilty. Had they decided if she was guilty?
We find Yes
her guilty. What’s the decision?
She’s guilty. She committed the crime.
Did they decide that before or after
hearing the facts about the crime?
after
What do we say if they thought she didn’t
commit the crime?
The jury gave a verdict of not guilty.
Choose the correct word.
(3 min)

Ex: 8B (b), Page – 161

Listen and check.

Think – 1 Discuss
min Ex: 1a,
with yourPage – 98
partner.
Discuss
Think with your partner.
– 30s
Ex: 1b, Page – 98

Watch the video and check your

answers.
Watch the video again and Ex: 1d, Page – 98
Read the questions – 30s
answer true or false.

True
False
True

True
False
True
30s Ex: 2a, Page – 98
 Listen andthe
Complete check.
conversations below.
A: I’ve got my performance review with my boss tomorrow.
B: sure it’ll 2 ________
You’ve had a good year. I’m 1 ________ be fine.
A: I’d like a pay rise, but I don’t think I’ll get it.
B: Well, you 3 ________
never know.
C: It’s our final game of the season tomorrow but two members of our
team can’t play. We’re bound to lose.
D: might work 5 ________
It 4 ________ out fine
6 ________.
C: But they’re our two best players.
D: give
Never 7 ________ hope
up 8 ________.
 Copy the answers in your book. Ex: 2b, Page – 98
A: I’ve got my performance review with my boss tomorrow.
B: sure it’ll 2 ________
You’ve had a good year. I’m 1 ________ be fine.
A: I’d like a pay rise, but I don’t think I’ll get it.
B: Well, you 3 ________
never know.
C: It’s our final game of the season tomorrow but two members of our
team can’t play. We’re bound to lose.
D: might work 5 ________
It 4 ________ out fine
6 ________.
C: But they’re our two best players.
D: give
Never 7 ________ hope
up 8 ________.
Underline the expressions for encouraging someone.

A: I’ve got my performance review with my boss tomorrow.

B: You’ve had a good year. I’m sure it’ll be fine.
A: I’d like a pay rise, but I don’t think I’ll get it.
B: Well, you never know.

C: It’s our final game of the season tomorrow but two members of our
team can’t play. We’re bound to lose.
D: It might work out fine.
C: But they’re our two best players.
D: Never give up hope.
What does ‘B’ mean by ‘you never know’? Choose the correct option.
a) ‘You never know, you might get fired.’
b) ‘You never know, you might get a pay rise.’

A: I’d like a pay rise, but I don’t think I’ll get it.
B: Well, you never know.
Do we use ‘you never know’ to say something good or bad might
happen?
Something good
 Listen and repeat.

1. I’m sure it’ll be fine.

2. It might work out fine.
3. Never give up hope.
4. Don’t give up hope.
5. You never know.
1. We’ll never be able to afford it. Choose the most suitable response
a) You’re probably right. to each sentence.
b) Don’t give up hope.
c) That’s a fair point.
2. I’ll never see her again.
a) I’m sure you will.
b) That’s very possible.
c) Not in a million years!
3. It started to go wrong right from the start.
a) That’s fine.
b) What did you expect?
c) It might work out fine.
 Choose the most suitable response
4. That’s another opportunity lost. to each sentence.
a) There’ll be plenty more, don’t worry.
b) I’d start worrying if I were you.
c) I agree with you there and I’d be really worried.
5. I’m really worried about this interview.
a) I’m sure it’ll be fine.
b) There’s time for that.
c) How can you be so sure?
6. There’s not much chance of it working.
a) There would have been if it weren’t for you.
b) You never know. We might pull it off.
c) No – thanks to you. We won’t try it again.
Look at the photos. What do you think
Tom and Sam
Discuss withareyour
talking about?
partner.
Think – 30s
Watch the video and check your ideas.
Read
Watchthe questions
again – 15sthe questions.
and answer Ex: 3b and d, Page – 98
 How does Sam feel about his meeting at the bank?
1 unsure

What’s Tom’s reaction to his visit to the estate agent’s?

2 unsure

What was Sam’s experience of finding the right place for the café?
3 Someone else got it first, then changed their mind.

How do Sam and Tom respond to each other in this scene?

4 They sympathise with each other.
Discuss with your partner.
Think – 30s

What would you do if you were Tom? Would you….

• look for a new flat?
• pay more money to get the flat?
• or do something else?
Sam and Tom sympathise with each other by saying they have
things in common. Do you remember what Tom says?

The same thing happened to me

_______ _______ _______ _____________ _______ _______.
Watch part 3 again and find two more expressions that show they
have things in common.

I know the feeling

It was just like that….
1 min Ex: 4b, Page – 99
 2 min Ex: 4c, Page – 99

1. It was the same with me.

2. I’ve had a similar experience.
3. I know the feeling.
4. It was just like when…
 Underline the correct words to complete one side of a telephone conversation.
Really sorry to hear about уоur car. The (1) same / similar / like thing
happened to mе а соuрlе of years ago. Му саr was stolen right outside
mу house, and believe it оr not I've just had а (2) samе / similar / like
ехреriеnсе: I had mу рursе stolen from my bag when I was in the quеuе
in the supermarket. ... You don't surprise mе. It was just (3) аs / like that
when I called the insurаnсе соmраnу, they kept mе waiting for ages, so I
know the (4) ехреriеnсе / feeling. It was the same (5) with / to / bу mе.
What can you do? ... Тruе, that's just like (6) that / as / when Sarah’s flat
was burgled. I don't know what things are coming to.
Tell each other about your experiences. Show your
Think and make notes – 2 min
partner if you have something in common and encourage
him/her if necessary.
Think about your experiences learning English.
• How did you learn it?
• What difficulties have you had?
• How did you overcome them?
• Did you also have fun?
• Do you still have some worries?
• Any worth sharing experiences?
Who do you
Discuss think
with Tompartner.
your is talking on the phone with?
Think – 30s
Read the
Watch questions
Part – 30 seconds.
4 and answer the questions. Ex: 5a, Page – 99

1. Katie, the estate agent

2. Katie says that something interesting’s just come up.
3. 249456
Discuss with your partner.
Think – 30s

What do you think the interesting thing Katie’s mentioned is?

 Pair Work: Name the following in 2 min

1. A famous male and female crime writer from your country

2. A famous crime writer from another country
3. A famous fictional detective
4. A popular crime series on TV
5. A popular crime thriller film
Look at the people and the credit card
Discuss
statement. with yourhave
What could partner.
happened? Ex: 1b, Page – 100
Think – 1 min
Ex: 1c, Page – 100
Read the
Listen questions
again – 30 True
and answer seconds.
or False. Ex: 1d, Page – 100

True

False
True
False
True
True
False
Discuss
Think – 1with
min your partner.

Look at the cover of the book ‘The Nursing

Home Murder’.
1. What do you think it is about?
2. Do you think the story is fact or fiction?
 Ex: 2a, Page – 101

Read the review. Is this story fact or fiction?

(1 min)

Fiction
3 min Ex: 2b, Page – 101
Author Ngaio Marsh
Sir Derek O’Callaghan, his wife, doctors and nurses
Characters in the operating team, Chief Detective Inspector
Alleyn
Settings 1930s, private hospital, London
Kind of story Classic whodunit
Very imaginative crime fiction, the characters are all
Reason for
very clearly described and they’re all a bit eccentric
liking
in one way or another, including the detective
Hugely entertaining read, if you want to escape into
Why it’s a mystery story set in a completely different place
recommended and time
Discuss with your partner.
Think – 30s

Would you like to read “The Nursing Home

Murder”? Why / Why not?
 2 min

Ex: 3c, Page – 89

c
d
b
a
 enormously really liked beat
enjoy highly number one
beat
1. …..you can’t __________ The Nursing Home Murder.
 3 min

Ex: 3c, Page – 101

1. beat (do better than)

2. number one (absolute
favourite)
3. enjoy (love)
4. really liked (loved)
5. enormously (hugely),
highly (really)
 Think of a book, film or TV programme that you like and
would recommend. Make notes using the table. (3 min)

Author
Characters
Settings
Kind of story
Reason for liking
Why it’s
recommended
Write your review. Organise the review clearly (use the paragraph plan
in the 1st box) and include your positive opinion (use the language in the
2nd box.) – 20 min
Para 1:
Introduces the book/film + If you really enjoy a classic whodunit and
information about it. you want a great read, you can’t beat / do
better than….
Para 2:
the plot + the main characters. This is my absolute favourite / number one…
Para 3: …one of the things I love / enjoy about it is…
key strengths of the book + The other thing I loved / really liked is…
the review’s personal opinion. a hugely / an enormously entertaining read
Para 4: and I really / highly recommend it if…
A summary + a final positive I couldn’t put it down.
recommendation.