*Money


1. Easy come easy go.       
2. Money is the root of all evil.   
3. Money makes money.
4. Money talks.                                                       
5. Money makes the man.
6. Lend money to a friend and you will loose         both a money and a friend
7. A penny saved is a penny gained.                       
8. In for a penny, in for a pound.                        
9. Time is money.                                                    
10. Waste not, want not.                                          



a) хто грошам не знає ціни , тому й не минувати нужди 
b) час- це гроші
c) гроші псують людину
d) усе зло в грошах
e) копійка до копійки робить гривню
f) гроші –це сила    
g) де копійка , там і гривня
h) гроші роблять гроші
i) як прийшли , так і пішли
J) якщо хочеш втратити друга – позич йому гроші



Exchange
Обмінювати
Cash
Готівка
To make savings
Заощаджувати
Bank account
Банківський рахунок
To buy
Купувати
Bill
Чек
To sell
Продавати
 Sum
Сума
Banknote
Купюра
Bankomat
Банкомат
 Coin
Монета
For service
За послуги
 To hold
Утримувати
Commission
Комісійні
 To transfer
Передавати
Currency marcet
Валютний ринок
 Money unit
Грошова одиниця




   MONEY YESTERDAY AND TODAY
When people make more production they need, they want to exchange it for something else. But what to do if the product is big and heavy? So people invented money. We use it to buy and sell goods and to make savings.
ln old, time    in    different countries  there were various types of money: animal skins and cattle, cocoa beans and salt, shells and stones.
In our land our great-grandfathers used grain, fur skins and later - gold.  In Kyyiv  Rus money was called hryynia and now we have hryvnias too.
Paper   banknotes   and   metal coins an easy to hold, to save, to transfer and to use. That is why they replaced old kinds of money. Every country has its type of mo­ney that is called "a money unit."
When people travel from one state to  another they  need to exchange money. There is an exchange rate for this. It is approximately equal all over the world for main money units at a certain moment of time, but changes from day to day.
The exchange rate depends on situation in currency market.
In Ukraine, like in other countries of the world, we may change hryvnias into other currency, in banks or special booths called "Bureau de change." They give a receipt in which it is written how much money you give, what the current exchange rate is and how much foreign currency you receive. But in Ukraine you can not use foreign currency to buy something or to pay for any service. You must use hryvnias only. The same situation is in every country of the world: people use only national currency in the country.
 You may pay in cash  (notes and coins), in cheques or credit cards.   If you have a bank account you are given a cheque-book and when you need  to pay, it is necessary to write the sum, to sign the  cheque, pull it out of the book and give the seller.  
If you have a special account for a credit card you simply call the| sum and give your card number to the seller who fixes it and then takes the sum off your account. He gives you a bill as to other customers.
If you need to take cash from your credit bank  account you may get it from a bank or a bankomat. A bankomat is a device some bigger than a public telephone. You put your card into a slot, press some buttons to let the machine know what sum of money you need, take your card back  and receive your cash from the bankomat.
 Usually banks take some money for service  the money is called  commission and is not large.

 Give Ukrainian equivalents for the following.   

To exchange; to invent; to buy and sell; to make savings; paper, banknote; metal coins;'to hold, to save, to transfer and to use; a money unit; an exchange rate; currency market; Bureau de change; foreign-currency; to pay in cash, in cheques or credit.cards;   a cheque-book; commission.

 Finish the statements.
1.  When people make more production they need ...
2.  We use money to ...
3.  In old time in different countries there were ...
4.  Paper banknote and metal coins are easy ...  
5.  When people travel from one state to another they need ...
6.  The exchange rate depends on ...
7. In Ukraine we may change hryvnias into another currency in ...
8. You may pay in ...                            
9. Usually banks take ….

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