<Wall Chart>

* A penny saved is a penny earned.

* The vagabond, when rich, is          called a tourist.

* You can't take it with you.

* He's laughing all the way to the      bank.

* A golden key opens every door.

<Worksheet #1(Words and Idioms)>

* Write appropriate words or idioms in the box and complete the sentence. If needed, change the form of each verb.

paycheck

pay back

mention

lend

not anymore

owe

recommend

bump into

1. Don't (          ) him any money!

2. She's always borrowing money from her friends and never     (        ) anyone (         ).

3. I'm full. I can (       ) eat (           ).

4. It must be tough to live on your daddy's (                    ).

5. I can't (                     ) the book highly enough.

6. Did he (                  ) that he loves you?

7. She (            ) five dollars to the grocery.

8. When he went to town, he (           ) (        ) an old friend.

<Picture(Teacher's use)>

<Worksheet #2(Gap-fill Exercise)>

* Fill in the blanks as you listen this dialogue.

Two friends are talking about a mutual acquaintance.

Jane : Oh, you know who I (        ) into a the movie theatre? Eunjoo.

Sunny : Oh, really? She's been (       ) me for weeks. What did she have to say?

Jane : She said she's been really busy lately. She talked about how she never         has time to see her friends (       ). And she told me to tell you that         she's really sorry about not calling you.

Sunny : Huh? Really? Is that what she said? I guess she didn't (        ) how           much money she owes me.

Jane : No, she didn't. Is that true?

Sunny : Sure. She asked me if I'd lend her two (        ) won for the down            payment on a car she was buying. She...

Jane : She asked you for how much?!

Sunny : Two million. Why? What's the matter?

Jane : And you gave it to her?! You know how bad Eunjoo is with money.            That was bad move on your part. You know, the other day, she told          me that she's gone out shopping and bought herself a whole (     ) of new outfits.

Sunny : Well, at the time, she told me not to worry and that she'd pay me             back in a week when she got her (        ). That was two months             ago, and I haven't heard a thing from her. She never answers her            phone, and she won't return my messages or e-mail. She's                    (         ) avoiding me.

Jane : What are you going to do?

Sunny : What can I do?

Jane : Not much, I guess. Well, hopefully you've learned your lesson. A good         friend of mine once (           ) that I should never (       ) money          to anyone. I always follow that advice and  I've never run into any trouble.

Sunny : Hey, I told you that!

<Answer sheet of the worksheet #2>

bumped

avoiding

anymore

mention

million

bunch

paycheck

obviously

suggested

lend

<Worksheet #3(Credit Card Debate)>

* You will be asked to defend one of the following positions. Before you begin, read over the supporting arguments, and choose what you will focus your argument on. Remember to listen carefully to opposing positions and respond to their points. Whenever possible, give examples and facts to back up your argument.

Opinion 1 : Credit Cards Are Essential (Group 1 & 3)

◆ There are now a number of everyday activities, such as buying things on-line, which are not possible without a credit card.

◆ Customers can stop payment on a credit card account for unsatisfactory services.

◆ Most credit card companies offer purchase points and merchandise incentives, or airfare mileage points.

◆ Credit cards are a perfect way to establish and maintain a good credit rating.

◆ Using Credit cards, you can re-establish your credit rating after bankruptcy or other financial mishap.

Opinion 2 : The Risks of Having Credit Cards (Group 2 & 4)

◆ The temptation to acquire too many credit card accounts can lead to losing track of payment details and deadlines.

◆ Credit cards give people a false sense of security and freedom, which make them likely to overspend.

◆ Most people who have credit cards have difficulty understanding the details about how the various fees are calculated.

◆ Young people, especially, are often poor at managing their money, and likely to find themselves in personal bankruptcy.

◆ Credit card companies often charge high interest rates on cash advances.

<Script>

Two friends are talking about a mutual acquaintance.

Jane : Oh, you know who I bumped into a the movie theatre? Eunjoo.

Sunny : Oh, really? She's been avoiding me for weeks. What did she have to say?

Jane : She said she's been really busy lately. She talked about how she never           has time to see her friends anymore. And she told me to tell you that           she's really sorry about not calling you.

Sunny : Huh? Really? Is that what she said? I guess she didn't mention how               much money she owes me.

Jane : No, she didn't. Is that true?

Sunny : Sure. She asked me if I'd lend her two million won for the down                  payment on a car she was buying. She...

Jane : She asked you for how much?!

Sunny : Two million. Why? What's the matter?

Jane : And you gave it to her?! You know how bad Eunjoo is with money.               That was bad move on your part. You know, the other day, she told               me that she's gone out shopping and bought herself a whole bunch of new outfits.

Sunny : Well, at the time, she told me not to worry and that she'd pay me                back in a week when she got her payment. That was two months                ago, and I haven't heard a thing from her. She never answers her                phone, and she won't return my messages or e-mail. She's                       obviously avoiding me.

Jane : What are you going to do?

Sunny : What can I do?

Jane : Not much, I guess. Well, hopefully you've learned your lesson. A good            friend of mine once suggested that I should never lend money to anyone. I         always follow that advice and  I've never run into any trouble.

Sunny : Hey, I told you that!