Fill in the gaps with a word or phrase from the box: central bank, commercial banks, confident, credit, exchange rate, expand, frequently, impact, mortgage, proportion, repayments
1. We have to pay our bills too… in my opinion! 2. A country’s ….. is the government bank. 3.The ….. are the highest street banks that everyone uses. 4. When a loan is taken out, usually each month ….. have to be made. 5. A…. is a special loan for people who want to buy a house. 6. When you feel….. you feel sure that what you are doing is safe. 7. Many people these days buy things on ….. instead of paying in cash. 8. A large ….. of people use banks to deposit their savings. 9. The ….. compares the values of different currencies. 10. If a company wants to ….., to move into new markets for example, it will need to borrow money. 11. High interest rates have an on the consumer’s ability to buy a new home.

the children look after the animals and plants.

kirk cleans the puppies.

sam washes the cage.

mel waters the   flowers.

grace feeds the hamster and the turtle.

tom walks with the dog. 

 

 

 

1. maria says that her friends: "leave quickly because my mom is very annoyed with myself for me." 2. he said: "i don't need any fashion". 3. the seller said to her: "you should wear socks to try shoes". 4. she said a friend: "your clothing is not in vogue". 5. she said: "i don't like to stand out." 6. elaine said: "i'm having a great time in spain". 7. he said his friends: "i don't care about fashion." 8. she said: "i prefer casual clothes".

1. biggest

2. more sociable

3. more curious

4. better

5. cleverest

6. more beuatuful

выражение мнения:

i agree / disagree…

in my opinion,…/ from my point of

i believe that…/ it seems to me that…

i am in favour of…/ i am against the idea of…

according to…

some people say that…

it is said / believed that…

there is no doubt that…

it goes without saying that…

we must admit that…

представление аргументов:

the main argument in favour / against is

first of all, i should like to consider…

to begin with…/ to start with…

despite the fact that…/ in spite of the fact that…

on the one hand…/ on the other hand…

besides,…/ in addition…

what is more,…/ moreover,…/ more than that…

finally…

nevertheless..

выражение причинно-следственной связи:

for this reason

therefore / that is why

because of

as a result

owing to / due to

примеры:

for example

for instance

such as

like

заключение:

to sum up…

to conclude…

in conclusion, i would like to stress that…

all in all, i believe that…

 

 

words and phrases to organize points chronologically (to introduce a series of reasons, ideas, remarks, etc):

first(ly)/first of all; second(ly); third(ly); lastly/last of all/finally - наконец; в заключение;

first and foremost - в первую очередь;

in the first/second/third place; to start/begin with; for one thing - прежде всего; начать с того, что; для начала;

for another thing - кроме того; во вторых

note: firstly, is more formal than first, second.

words and phrases to indicate the addition of a new point or introduce a related topic:

in addition;

what is more/more than that/furthermore(formal)/moreover (more formal) - более того; кроме того;

another thing is

above all/on top of that - в довершение всего;

as well as - так же (как); не ; в дополнение; помимо;

alongside - наряду с;

besides/apart from - кроме, помимо;

besides - к тому же (particularly when adding a negative idea);

similarly/equally/likewise - подобным образом;

a word must be said ;

it is important to note