Current Live Lessons
1.Who are the financially underserved according to this film?Hard Working Americans who do not have a bank account or do not have access to traditional financial services. They rely on cash and checks and tend to turn to alternative financial services like check cashers, pawn shops, money order services and payday lenders.
2.How many people does this issue affect nationwide? Nearly 70 million in the United States use alternative financial services (AFS). In the US, there are more check cashers and payday lenders than there are Starbucks and McDonalds’ combined. Why do you think AFS establishments are so prevalent?
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Is it more important for you to pay a fee on your paycheck and receive it immediately, or deposit it for free but wait 2-5 business days to access it?
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In the film, Justin is searching to buy a house, but is limited by his bad credit and inability to prove credit worthiness. Some new companies are looking at cell phone data, bill pay history and job history to determine credit worthiness. What other aspects of a person's financial life could be used to help determine credit worthiness?
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What would you like to see taught in a financial literacy course that you didn’t learn?
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In the film, Debbie is working towards paying off her student loans while simultaneously trying to jump start her career in fashion. The class of 2013 graduated with on average $35,200 of college-related debt —a figure we see rise year after year. What are the implications of a generation graduating with this much debt?
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Tiffany had to quit her job and use alternative financial services in order to provide personal care for her sick mother. 50% of Americans aren’t prepared to handle an unanticipated financial shock like a medical issue or home repair. Has your family experienced a financial ‘shock’ and didn’t have available funds? How did your family handle it?
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The documentary fails to touch on the root causes. While it may be beyond its scope, the deeper problems that force individuals into using these services should be considered. If people had living wages, affordable health care, and affordable higher education, perhaps there would be much less of a need for payday lenders and other such alternative financial services. What do you think?
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Aug 27, 2021
Lesson 5/5 45min
+5
Hi Michael!
The latest article from the Guardian newspaper:
Cashless society draws closer with only one in six payments now in cash.
Aug 24, 2021
Lesson 4/5 60min
Hi Michael!
BNE from last year: NY banned cashless stores
https://breakingnewsenglish.com/2002/200215-cashless-payments.html
Quizlet https://quizlet.com/487683769/new-york-city-bans-cashless-stores-flash-cards/
Aug 2, 2021
Lesson 3/5 45min
Hello Michael!
Today we'll discuss one of world's most expensive liquids: Printer ink
https://breakingnewsenglish.com/2107/210727-printer-ink.html
Quizlet:
https://quizlet.com/606800156/printer-ink-one-of-worlds-most-expensive-liquids-flash-cards/?new
July 30, 2021
Lesson 2/2 60min
Hello Michael,
We'll continue our grammar review using the advanced level Oxford book.
And, we can do the Listening and Reading Comprehension tests below.
The Listening Activity Listening FCE book pdf page 142 answers pdf p 228
pdf page 52 pdf p 235
Reading Comprehension activity pdf pages 100 and 101 CAE book answers pdf p 198
pdf pages 83 and 84 pdf p 226
July 26, 2021
Lesson 1/2 60min
Hello Michael,
We'll continue our grammar review using different Oxford book. It is
Advanced level which is higher level than the practice test you gave me, but it will give you a good challenge. You can find it on your Lesson Materials page and there is an exercise book, too.
Then, we'll work in Section 13 pdf 204 Prepositions. answers pdf p 326
The Listening Activity Listening FCE book pdf page 142 answers pdf p 228
Reading Comprehension activity pdf pages 100 and 101 CAE book answers pdf p 198
July 23, 2021
Lesson 2/5 60min
Hello Michael,
We'll continue our grammar review using the Oxford book and other
sources like Perfect English Grammar and Hilfen.
https://www.perfect-english-grammar.com/
https://www.englisch-hilfen.de/en/inhalt_grammar.htm
From last time, you had some questions about some points of grammar:
Then, we'll work again on the Test in the Oxford book pdf page 277 answers pdf p 283
The Listening Activity Listening FCE book pdf page 142 answers pdf p 228
Reading Comprehension activity pdf pages 100 and 101 CAE book answers pdf p 198
July 20, 2021
Lesson 1/5 60min
Hello Michael,
We'll go over the Homework: 10 Discussion questions about the article,
The World's First Wooden Satellite has been tested.
(or finish the elephant article discussion questions from last time)
https://breakingnewsenglish.com/2106/210619-wooden-satellite.html
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What did you think when you read the headline?
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What images are in your mind when you hear the word 'wood'?
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What do you think of cutting-edge technology?
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What do you know about satellites?
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What do you think of wooden satellites?
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What do you know about the stratosphere?
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What could the wooden satellite be used for?
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How might wood change space technology?
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Should more, everyday things be made from wood?
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Was the world better before satellites and going into space?
From last time, you had some questions about some points of grammar:
Unit 53 pdf 123 countable and uncountable nouns answers pdf p 262
Unit 65 pdf 149 the order of adjectives answers pdf p 264
Unit 38 pdf 89 either/neither answers pdf p 260
Unit 39 pdf 93 modal verbs answers pdf p 260
Then, we'll work again on the Test in the Oxford book pdf page 277 answers pdf p 283
The Listening Activity Listening FCE book pdf page 142 answers pdf p 228
Reading Comprehension activity pdf pages 100 and 101 CAE book answers pdf p 198
July 15, 2021
Lesson 5/5 60min
Hello Michael,
We'll go over the Homework: 10 Discussion questions about the article,
The World's First Wooden Satellite has been tested.
(or finish the elephant article discussion questions from last time)
https://breakingnewsenglish.com/2106/210619-wooden-satellite.html
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What did you think when you read the headline?
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What images are in your mind when you hear the word 'wood'?
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What do you think of cutting-edge technology?
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What do you know about satellites?
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What do you think of wooden satellites?
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What do you know about the stratosphere?
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What could the wooden satellite be used for?
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How might wood change space technology?
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Should more, everyday things be made from wood?
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Was the world better before satellites and going into space?
Then we can try a new multiple choice cloze test on pdf page 9 of this CAE Practice Test
A Listening Activity pdf pages 23 and 24
and Reading Comprehension activity pdf pages 17 and 18
July 8, 2021
Lesson 4/5 60min
Hello Michael,
We'll go over the Homework: 10 Discussion questions about the article,
Herd of wild elephants on the march in China https://breakingnewsenglish.com/2106/210607-elephants.html
What did you think when you read the headline?
What images are in your mind when you hear the word 'wild'?
What do you think of elephants?
What do you think of nature reserves?
What do you think of elephant calves?
Would you be worried if elephants were heading your way?
What giant beasts do you like?
What damage could the elephants do?
Should the farmers get compensated for the elephant damage?
What was the last thing that left you captivated?
Then we can try a new multiple choice cloze test on pages 92-93 of this FCE Practice Test
A Listening Activity page 53
and Reading Comprehension activity pages 62-63
July 5, 2021
Lesson 3/5 60min
Hello Michael,
We'll go over the Homework:
10 Discussion questions about Toxic Workplaces
https://breakingnewsenglish.com/2106/210627-toxic-workplaces.html
(You can find your corrected homework on your Homework page)
What did you think when you read the headline?
What images are in your mind when you hear the word 'toxic'?
How can the workplace affect our health?
What is your ideal workplace?
What do you think of the places you have worked at?
What responsibility do managers have to create a positive workplace?
What can companies do to create a positive workspace?
How do bad workplaces affect people?
What companies are great places to work for?
What can lead to burnout?
Then we can try a new multiple choice cloze test on pages 48 and 49 of this FCE Practice Test
A Listening Activity pages 29-30
and Reading Comprehension activity pages 40-41
July 1, 2021
Lesson 2/5 60min
Hello Michael,
Last time we got off to a good start with your practice exam. Today, we will follow up with some explanations of the answers from the exam.
Homework was some writing practice: 10 Discussion questions from the BNE article about the G7 Summit.
https://breakingnewsenglish.com/2106/210615-g7-summit.html
Quizlet
https://quizlet.com/603410180/g7-leaders-promise-to-build-a-better-world-flash-cards/
2.____ people know the answer to that question.
A Few B. Little C Least D A little
“less people '’ is not correct because it is usually used with uncountable nouns
“Few people '’ were invited to the party , countable nouns .. is correct .
Few people or A few people as per context:
A) Few people understand this theory-
means very few or nobody understands …Negative.
B) A few people could understand it.
means some understand. Positive
7. My car needs __________.
A. repairing B. to repair C. to be repaired D repair
All are correct:
#1 My car needs repairing. (slightly informal)
#2 My car needs to be repaired.
#3 I need to repair my car.
#4 I need to get my car repaired.
#5 I need my car repaired.
https://www.perfect-english-grammar.com/gerunds-and-infinitives.html
9. I haven't had so much fun __________ I was a young boy.
since
https://learningenglish.voanews.com/a/for-or-since-what-is-the-difference/3097366.html
13. Honestly! I saw a ghost! I'm not _________ it up!
A having B laughing C making D joking
https://dictionary.cambridge.org/us/dictionary/essential-british-english/make-something-up
15. Take the A20______ the roundabout, then turn left.
A right B as far as C along D heading north
as far as
1. to the place or point mentioned. We walked as far as the lake.
19. Rebecca had to ___ the invitation, as she was busy studying for her exams.
A take off B put back C turn down D get away
To reject or refuse, as a person, advice, or a suggestion: turned down the invitation.
20.Police ______ that a terrorist group might be behind the kidnapping.
A. suppose B fancy C suspect D accuse
to consider (a person) guilty without proof: The police suspect her of murder.
22. The wonderful smell of freshly _________ coffee hit us as we entered the store.
A crushed B smashed C ground D pressed
grind
(grīnd)
v. ground (ground), grind·ing, grinds
v.tr.1.
a. To reduce to small bits or crush to a fine powder: grind wheat into flour; grind coffee beans.
23. Mike's dad wouldn't ____ him go to school with a red streak in his hair.
A allow B permit C accept D let
let:To give permission or opportunity to; allow: I let them borrow the car. The inheritance let us finally buy a house
29. The children watched in excitement as she __________ a match and lit the candle.
A scratched B struck C rubbed D scraped
strike: To produce flame, light, or a spark by friction: strike a match.
struck
(strŭk)
v.
Past tense and a past participle of strike.
30. Sorry about Kate's strange behavior, but she just not used to ______ lots of people around her.
A had B have C having D has
used to
familiarity
Used to has another meaning. If you are used to something, you have become familiar with it and you accept it. With this sense, used to is preceded by the verb be or get, and is followed by a noun or an -ing form.
It doesn't frighten them. They're used to it.
I'm used to getting up early.
It's very noisy here, but you'll get used to it.
32. 'I did this painting all ______ my own, Dad, ' said Milly.
A by B with C for D on
on one's own
phrase of own
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unaccompanied by others; alone or unaided.
"I have to do things on my own"
33. You _____ better check all the details are correct before we send it off.
A would B had C should D did
https://dictionary.cambridge.org/us/grammar/british-grammar/had-better
34. This game is ____ to be for five year-olds, but I think a two year-old could do it!
A expected B required C obliged D supposed
Be supposed to
Be supposed to is used to talk about obligations and arrangements:
Where were you? You were supposed to be at the party!
You’re supposed to have an hour for lunch. That’s the law.
It’s also used to talk about people’s expectations or beliefs about something:
[talking about some medicine]
A:
Take some of this.
B:
What’s it supposed to do? (What does it do to you?)
And then I’m gonna get a train over to Brussels which takes all day as well. It’s supposed to be a nice route with forests and mountains and things. (gonna represents ‘going to’, as it is pronounced in informal speaking.)
36. When Jonie _____ to do something, you can be sure she'll do it, and do it well.
A gets on B takes up C sets out D brings about
set out
to start an activity with a particular aim:
She set out with the aim of becoming the youngest ever winner of the championship.
[ + to infinitive ] They set out to discover a cure for cancer.
More examples
37. ____ we get to the top of this hill, the path gets much easier.
A At the time B Eventually C Once D Finally
As soon as; if ever; when: Once he goes, we can clean up
41. A _____ debate ensued, with neither side prepared to give way to the other.
A warm B heated C hot D boiling
heat•ed
(ˈhi tɪd)
adj.
excited or angry; impassioned; vehement: a heated argument.
43. The version of the film I saw had been _____ censored.
A strongly B deeply C great D heavily
heavily: Greatly or severely: heavily in debt.
44. He promised to phone me at nine o'clock exactly, and he was as ____ as his word.
A true B good C right D honest
as good as one's word
obedient to one's promise; dependable in keeping one's promises. He was as good as his word. He lent me the books as he said he would. She said she would babysit and she was as good as her word.
45. There has been so much media ___ of the wedding that I'm completely fed up with it.
A circulation B attention C broadcasting D coverage
coverage:
the reporting of a particular important event or subject:
What did you think of CNN's election coverage?
46. If I were you I would ____ clear of the area around the station late at night.
A stick B steer C stop D stand
steer clear
To avoid (someone or something).Steer clear of the boss today—he's yelling at everyone he sees.The 8:00 train is always late, so steer clear if you want to be on time.
47. Turning back now is out of the _________.
A agenda B matter C question D possibility
out of the question
Not possible; having no chance; not permitted.Driving is out of the question as long as the engine is busted.We've sunk too much time and money into this project as it is, so starting again from scratch is out of the question.I'm sorry, but having a party here is absolutely out of the question.
48. Joe's fear of enclosed spaces _____ from a bad experience.
A stems B leads C starts D flows
stem from (something)
To come, result, or develop from something else.My fear of the water stems from the time my brother nearly drowned me when we were playing in our cousin's pool as kids.The poverty in this area stems from the closure of the coal mine, the largest single employer in the entire county.
Jun 28, 2021
Lesson 1/5 60min
Hello Michael,
Today we'll begin preparation for your English exam by looking at
any mistakes you have made on the practice test. These mistakes will show us what you need to review in terms of grammar,vocabulary and writing with a Oxford Grammar book found on your Lesson Materials page.
For some extra vocabulary practice, here's a nice academic vocabulary
tutorial from the University of New Zeland.
http://www.englishvocabularyexercises.com/academic-word-list/index.html
For some writing practice, we can use the 20 Discussion questions from
the BNE article about the G7 Summit.
https://breakingnewsenglish.com/2106/210615-g7-summit.html
Quizlet
https://quizlet.com/603410180/g7-leaders-promise-to-build-a-better-world-flash-cards/