5. Look back at questions 1-3 in exercise 4. Explain in your own words why the other options are not correct. 

(Nhìn lại câu hỏi 1-3 trong bài tập 4. Giải thích bằng lời của bạn tại sao các phương án khác không đúng.)

2. Read and listen to the dialogue. Who do you agree with more, Anne or Nam?

(Đọc và nghe đoạn đối thoại. Bạn đồng tình với ai hơn, Anne hay Nam?)

Anne: What are you doing? 

Nam: I'm doing my geography project. Look at this photo. It’s shocking that some people have so much and others have so little! The world would be much better if money didn't exist. 

Anne: What do you mean? If money didn't exist, how would you buy things? 

Nam: If you needed something, you would make it. If you couldn't make it, you would swap with somebody else. 

Anne: So if I wanted a new mobile phone, how would I get it? 

Nam: You don't need things like that! I'm talking about essentials: food, clothes, that kind of thing. At the moment, millions of people haven't even got those. 

Anne: If money didn't exist, life wouldn't be better for poor people. 

Nam: No? I think it would. If nobody had any money, everybody would be equal.

1. Read the text. Where is Howells's hard drive? How much is it worth? Did he find it?

(Đọc bài khóa. Ổ cứng của Howells ở đâu? Giá trị của nó là bao nhiêu? Anh ta có tìm thấy nó không?)

Buried treasure

In November 2013, James Howells started searching an enormous rubbish dump. He was looking for a computer hard drive which he had thrown away three months earlier. The hard drive contained 7,500 bitcoins (a virtual currency that people use online). He had bought the bitcoins for almost nothing in 2009, but by 2013 the value of a single bitcoin had risen to over 1,000. So, the value of Howells′s collection had increased to 7.5 million. 

In 2010, Howells, who works in IT, took his computer apart because he had spilled a drink on it. He had first kept the hard drive and had sold the other parts. When in 2013 he heard about the value of the virtual currency, it was too late. He had thrown the hard drive away! He had totally forgotten about the bitcoins. Howells never found the hard drive - and unfortunately, he hadn't saved any of his data.

2. Read the text. Then answer the questions.

(Đọc văn bản. Sau đó trả lời các câu hỏi.)

1. What is 'showrooming? Have you or someone you know ever showroomed?

(Hành vi xem sản phẩm mẫu là gì? Bạn hoặc ai đó bạn biết đã bao giờ chỉ xem sản phẩm chưa?)

2. Do you prefer to buy things in shops or online? Why?

(Bạn thích mua các thứ trong cửa hàng hay mua trực tuyến hơn? Tại sao?)

3. Should you expect to pay more for goods in a shop than on a website? Why? /Why not?

(Bạn có nghỉ rằng mình phải trả cho hàng hóa trong cửa hàng nhiều hơn trên trang web không? Tại sao?)

4. What would you do if you had to pay to look around a shop?

(Bạn sẽ làm gì nếu phải trả tiền để xem cửa hàng?)

That'll be $5, please.

A health food shop in Adelaide, Australia, has decided to charge customers S5 for "just looking". The problem is that customers keep coming into the shop and leaving without buying anything. “They pretend to be interested in a product and ask for advice,” says Kate Reeves, the shop owner, "but they usually don't buy anything." 

This new phenomenon is called "showrooming". People visit a shop, examine a product, and then buy it online, where it is cheaper. Kate says she spends hours every day talking about products with customers "I can't stand working and not getting paid," she says. 'No one can make me work for free!' 

Everyone avoids paying more than they have to, but customers fail to realise that Kate's prices are mostly the same as in larger stores and on websites. They prefer to shop elsewhere as they expect to find the product at a lower price. "If customers choose to buy something, I return the $5 fee," says Kate. 

Many shops face the same problem and some may end up introducing a similar charge. The danger is that it asks putting customers off. But Kate in Adelaide says it has made no difference to her business.

2. Read the first two paragraphs of the text and check your answer from exercise 1. Do you think "Box" is a good name for Aaron's company? Why? / Why not?

(Đọc hai đoạn đầu của văn bản và kiểm tra câu trả lời của bạn từ bài tập 1. Bạn có nghĩ "Box" là một cái tên hay cho công ty của Aaron không? Vì sao?)

3. Read the Reading Strategy. Then look at the underlined words in the sentences after the gaps in the text. What kind of connection do they imply: contrast, similarity, cause / result, or a different option?

(Đọc Chiến lược Đọc hiểu. Sau đó, nhìn vào các từ được gạch chân trong các câu sau các chỗ trống trong bài đọc. Chúng cho thấy cách nối câu nào: tương phản, tương đương, nguyên nhân / kết quả hoặc một lựa chọn khác?)

Reading Strategy(Chiến thuật Đọc hiểu)

When you do a task with gapped sentence, study the sentence after each gap and look for any connections with the missing sentence. For example, if it begins with but, there is a contrast. Other words suggest other types of connection:

(Khi bạn làm một bài tập điền câu vào chỗ trống, nghiên cứu các cậu sau mỗi chỗ trỗng và tìm kiếm sự liên kết với câu còn trống. Ví dụ, nếu nó bắt đầu bằng but, thì chỗ đó là một sự tương phản. Những từ khác gợi ý những loại liên kết khác:)

+ similarity (sự tương đương): so

+ cause/ result (nguyên nhân/ kết quả): so

+ a different option (một ý kiến khác): or

4. Read the text. Match sentences A-D with gaps 1-4 in the text. Use your answers from exercise 3 to help you.

(Đọc văn bản. Nối các câu A-D với khoảng trống 1-4 trong văn bản. Sử dụng câu trả lời của bạn từ bài tập 3.)

A. Back in 2005, cloud storage was quite a new idea.

B. If you met him, you probably wouldn't realise that he is a multi-millionaire.

C. Most people of his age would lead an extravagant lifestyle if they had so much money.

D. He only goes to expensive restaurants if an important customer wants to eat there.

Aaron Levie loves tinned spaghetti. He lives in a small apartment. At the age of 27, his biggest luxury is his smartphone. (1) _____. However, as co-founder and CEO of Box, a successful IT company, he is worth about $100 million. He loves his job and works hard. Most days, he does not leave the office until after midnight.

Levie and his friend Dylan Smith started Box in 2005 while still at university. It offered a better way of storing data, cloud storage.

Like most new businesses, Box did not bring in much income at the start. When it began, Levie and Smith looked for funding, but couldn't find any investors. (2) _____. For that reason, nobody wanted to risk lending them money. Eventually, a well-down entrepreneur called Mark Cuban agree to put money into Box. Soon, Box grew quickly and had contracts with many of the biggest companies in the USA.

Now, Box has grown a lot and so have its profits, making Levie a multi-millionaire. (3) _____. But Levie says that it doesn't interest him. "I'm certainly not into money." (4) _____. Otherwise, he has lunch meetings in burger bars. "And l still like tinned spaghetti. I'd be happy if I had it every day.”

6. Are these sentences true or false? Write T or F.

(Những câu này đúng hay sai? Viết T hoặc F.)

1. Aaron Levie lives in a luxury apartment.

2. Levie doesn't mind working long hours because he is really enthusiastic about the work.

3. Levie was a student when he co-founded the company Box.

4. Mark Cuban was the first businessman to invest in Box.

5. Since he became rich and successful, Levie's lifestyle has not changed very much.

7. Match the highlighted words in the text with the definitions below.

(Ghép các từ được đánh dấu trong văn bản với các định nghĩa bên dưới.)

Business

1. money received by a business or person _____

(tiền nhận được từ một công việc kinh hoanh hay một người)

2. a business person who takes risks _____

(một người làm kinh doanh chấp nhận rủi ro)

3. money that a business or person needs for a particular purpose _____

(số tiền mà một công việc kinh doanh hoặc một người cần cho một mục đích cụ thể)

4. the money a business makes after paying its expenses _____

(số tiền mà một vụ kinh doanh làm ra sau khi trừ đi chi phí)

5. the person in charge of a large company ____

(người phụ trách cả một công ty lớn)

6. formal agreements to do business _____

(sự thỏa thuận nghiêm túc để làm kinh doanh)

7. people who support a business by lending it money ____

(người hỗ trợ một vụ kinh doanh bằng cách cho mượn tiền)

2. Read the essay. Does it mention any of your ideas from exercise 1? Which of the ideas in the essay do you think is best? Why?

(Đọc bài khóa. Nó có đề cập đến ý tưởng nào của bạn từ bài tập 1 không? Bạn nghĩ ý kiến nào trong bài văn là hay nhất? Vì sao?)

If I had €1 million, it would be easy to find three good ways to use the money and help people who deserve it.

First of all, I would donate half of the money to the children's hospital in my town. They’re raising money to build bedrooms for visiting families.

Secondly, I would make a donation to my local primary school to buy sports equipment. As I see it, more sport at school would mean healthier children. Furthermore, the teachers would find it far easier to teach sports and PE if they had new equipment.

Finally, I would buy a new bike for my brother. He borrows mine all the time, even though he’s got one, because mine is better. If he had a new bike, he wouldn’t do that!

To sum up, I would use the money to make life better for the families of children in hospital, to improve facilities at my school and to buy a gift for my brother.

3. Answer the questions about the essay.

(Trả lời các câu hỏi về bài luận.)

1. How many paragraphs are there?

(Có bao nhiêu đoạn văn?)

2. In which paragraph does the writer mention all three ways of spending the money?

(Đoạn văn nào mà tác giả nhắc đến cả ba cách chi tiền?)

3. In which paragraph does the writer explain who would get half the money?

(Đoạn văn nào mà tác giả giải thích ai sẽ nhận được phân nửa số tiền?)

4. In which two paragraphs does the writer explain who would get the rest of the money, and why?

(Ở hai đoan văn nào mà tác giả giải thích ai sẽ nhận được số tiền còn lại và tại sao?)

5. In which paragraph does the writer paraphrase the main point of the essay?

(Ở đoạn văn nào mà tác giả diễn đạt ý chính của bài luận theo một cách khác?)

1. Reading: Read the text. Match sentences A—G with gaps 1-5 in the text. There are two extra sentences.

(Đọc văn bản. Nối các câu A-G với khoảng trống 1-5 trong văn bản. Có hai câu thừa)

My first business

There are quite a lot of stories about young entrepreneurs these days - people who have started their own businesses while they are still at school and have gone on to make large amounts of money. (1) _____. I think I was about five years old when I decided to try to make some money. (2) _____. I had seen it in a toy shop the month before, but my parents could not afford it because it was very expensive. So, I decided to save all of my pocket money until I had enough to buy it myself. (3) _____. To get the doll more quickly, I came up with an idea. My mum grew some pretty flowers in her garden. I decided to take the flowers onto the street, held them out and said, 'Fifty pence a bunch; to the people who passed by. One lady stopped and gave me fifty pence. (4) _____. After half an hour I sold out all of the flowers and earned some money for my doll. I was really proud then. Now, I have my own business after many years of working hard. How challenging life as an entrepreneur has been! (5) _____. However, it is wonderful to see my business grow well and make profits.

A. However, it was taking a very long time!

B. I think she felt sorry for me.

C. I was saving up for a big doll.

D. If I had the same courage now, maybe I would be rich.

E. My career also started early

F. Of course, it's a lot harder than that.

G. I have to decide on everything from making money to hiring people.

3. Read the text and check your answers in Exercise 2. 

(Đọc văn bản và kiểm tra câu trả lời của bạn trong bài tập 2.)

CURRENCIES 

A currency is the money we use in a country. Different countries have different currencies. 

The Brirish pound (£)

The British pound is one of the oldest currencies in the world. There are notes for 5, 10, 20, and 50 pounds. The new notes are plastic, not paper. There are lots of coins: 1, 2, 5, 10, 20, and 50 pence. You can say 'pence' or 'p'. The other coins are 1 pound and 2 pounds. 

The US dollar ($)

The US dollar is a popular currency. There are notes: 1, 2, 5, 10, 20, 50, and 100 dollars and coins: 

1, 5, 10, 25, 50 cents, and 1 dollar. The coins have names. One cent is a 'penny', 5 cents is 

a 'nickel', ten cents is a 'dime', 25 cents is a 'quarter' and 50 cents is a 'half dollar'.

The Euro (€)

The Euro is a new currency and many European countries use it. There are notes for 5, 10, 20, 50, 100, 200, and 500 euros. There are eight coins: the cents are 1, 2, 5, 10, 20, and 50, and the euros are 1 and 2. The coins are the same on one side, but on the other side, there are different pictures for each country. For example, Austria has Mozart, Belgium has the king and France has a tree. 

4. Read the text again. Choose true (T) or false (F). 

(Đọc văn bản một lần nữa. Chọn true (T) hoặc false (F).)

1. The new British notes aren't paper.

(Những tờ tiền mới của Anh không phải là giấy.)

2. The US dollar is the oldest currency in the world.

(Đồng đô la Mỹ là tiền tệ lâu đời nhất trên thế giới.)

3. The Euro has eight notes.

(Đồng Euro có tám tờ.)

4. Some US coins have names.

(Một số đồng tiền của Hoa Kỳ có tên.)

2. Read the text about Warren Buffet, ignoring the gaps. Which sentence is true: a, b or c?

(Đọc văn bản về Warren Buffet, bỏ qua những khoảng trống. Câu nào đúng: a, b hoặc c?)

a   Warren Buffet is a billionaire who enjoys spending money.

b   Warren Buffet made billions, but has given all his money away.

c   Warren Buffet is a billionaire and leads a modest lifestyle.

Warren Buffet

3. Read the Reading Strategy. Then match sentences A-G with gaps 1-5 in the text. There are two extra sentences.

(Đọc Chiến lược Đọc. Sau đó, nối các câu A-G với khoảng trống 1-5 trong văn bản. Có hai câu phụ.)

A   He doesn’t plan to give his children very much money when he dies.

B   By the age of twenty he had made and saved $9,800 (about $100,000 in today’s money)

C   However, he became the richest man in the world.

D   As a teenager, he worked in his grandfather’s shop and delivered newspapers.

E   Although he is rich, he isn’t very happy.

F   Only his clothes are expensive, but he says they look cheap when he puts them on!

G   He still lives in Omaha, in the house he bought more than fifty years ago.

4. Read the text again, including the missing sentences in exercise 3. Are the sentences true (T) or false (F)?

(Đọc lại bài, kể cả những câu còn thiếu trong bài tập 3. Các câu đúng (T) hay sai (F)?)

1   Buffet is over 80 years old. ◻ 

2   He started earning money when he was a teenager. ◻

3   He has recently moved into a very expensive new house. ◻

4   The food he eats now is the same as the food he ate when he was young. ◻

5   He plans to give a lot of money to his children. ◻

1. Read the task and the essay. Are the sentences true (T) or false (F)?

(Đọc nhiệm vụ và bài luận. Các câu đúng (T) hay sai (F)?)

1   Sarah wants a sound system because she hasn’t got anything for listening to music.

2   Her brother loves football.

3   She’d give money to an organisation that helps homeless people.

4   She’d spend most of the money.

If you won €1 million in the lottery, what would you do with it? Write an essay and include your ideas. Give reasons for your choices.

If I won €1 million, there are a lot of things I would like to do with the money. It would be nice to buy myself something, but it would also be good to help others.

First of all, I would buy myself a docking station with fantastic speakers. Although I have got an MP3 player and some speakers, they are not very good.

Secondly, I would buy a new car for my mum. Her car is really old. I would buy my brother a Liverpool kit and a scarf. He is a really big Liverpool fan!

Thirdly, there are a lot of homeless people in my city. I would donate money to the local hostel. If I gave them €5,000, they could buy a lot of meals for homeless people.

Finally, I would save at least half of the money. In my opinion, it would be silly to spend it all now. What is more, if I invested the money, it would grow, and I would have more to spend in the future.

To sum up, I would buy something nice for myself and other members of my family, support local charities, and also save some money for the future.

Reading 

4. Read the three texts. For each text, choose the correct answer (a, b or c). 

(Đọc ba văn bản. Đối với mỗi văn bản, chọn câu trả lời đúng (a, b hoặc c).)

Best TV moments

The highlight of last night's television was the first episode of the reality show Secret Millionaire. The idea behind the show is for a millionaire to take on a new identity and go into poor areas of their city to find three charities to give some of their money to. They spend a week working with the organisations, revealing their true identity at the end of the programme. At this point, they give each of the charities a cheque for tens of thousands of pounds. Last night's show had more drama than usual - you'll have to watch to find out why - but finished with millionaire music producer David King donating £50,000 to the charities he had worked with. 

1 The author of the text wants to 

1. give advice to millionaires on what to do with their money.

2. give an opinion on a TV programme. 

3. explain how reality shows can be good for society. 

What’s in a sofa?

When three students bought a sofa from a charity shop, they got more than they paid for. When they brought the sofa home, they discovered an envelope full of $20 notes hidden under the cushions. They continued to look and found more envelopes! By the time they finished, they had over $40,000. At first, the students began to talk about what they would do with the money. One said he would buy his mum a new car. But when they found a woman's name on one of the envelopes, they knew that they had to give it back. They called the woman who was so delighted to hear from them that she gave them $1,000 for returning her money. 

2 What was the students' first idea when they realised they had $40,000? 

1. To split up the money and spend it 

2. To find the person who it belonged to

3. To call the charity shop about the sofa 

Calling all students!

Are you over seventeen years and six months old and in full-time education? Then why not open an account with us? With our Student Account, you get all the usual offers: free online banking and access to your money twenty-four hours a day, seven days a week. But on top of that, we won't charge you for going over your limit (up to £1,400). We also have a new banking app that you can use to manage your money more easily. If you want a flexible way to look after your money, our Student Account is the one for you. To open an account, fill in the application form on our website, or call your nearest branch for more information. 

3 The text gives readers 

1. some information about different kinds of bank accounts 

2. tips on how to manage your money as a student 

3. a number of reasons why they should open one particular account