LESSON 6. MONEY (CONTINUED)

1. EXPRESSIONS

1. It’s a steal! – Просто даром! / За беcценок!

2. Let’s go Dutch! – Давай разделим счёт пополам!

3. This jobis a real gravy train! – Это работа – настоящая халява (лафа)!

4. Well, I have no nest egg yet – Ну у меня нет заначки на чёрный день.

5. It’s a golden handshake. – Это огромное выходное пособие.

6. You are a cheapskate! – Ты – жмот!

7. Money doesn’t grow on trees. – Деньги не растут на деревьях.

8. I don’t have money to burn. – У меня нет денег, чтобы шиковать.

9. I haveto tighten my belt so far. – Пока я должен затянуть ремень потуже.

10. I don’t complain, I’m trying to keep the pot boiling. – Я не жалуюсь и пытаюсь держаться (зарабатывать на еду).

11. It’s a little bit tricky. – Как-то стрёмно это.

2. TONGUE TWISTER

· CAN YOU CAN A CAN AS A CANNER CAN CAN A CAN?

3. IDIOM

Bill has finished a brokerage course at a bank and decided to make his first investment as an independent broker. He was assisted by a friend who has worked in the other bank for ten years and was said to be an experienced broker. One day he called Bill and said that his boss, a senior broker who was considered almost a god in NYSE, invited them to invest in shale gas development. At that time there was a boom in the industry. The senior broker hinted that he had been advised to do that by his friends from Federal Reserve Bank. «We’ll get on to the gravy train», he promised. It was the kind of proposal, which Bill could not turn down. He shared this information with his wife Julie, who reminded him that money didn’t grow on trees. A month later, Bill’s investment paid off, and even the chairman praised him. The friends were on cloud nine. But another month passed, gas prices suddenly fell and the development of shale gas was halted across the country. Bill, his friend and the senior manager of the bank lost all they had earned and invested in this operation. Only the chairman, who had real friends in FRB and never told anyone about them, had made a stake on copper and put all his money in it just a few days before the gas prices dropped. So now he was rubbing his hands and kept muttering under his breath: money goes to money.


· MONEY GOES TO MONEY / деньги к деньгам (идут), деньги любят деньги

4. TEXTS


♦ UNPLEASANT SITUATION

«Excuse me, could you tell me where I could take money out1, please?»

«No problem! It’s just around the corner. Go down the street till the traffic lights and turn left. The ATM is over there. But there is a limit as far as I know. You are not allowed to withdraw more than 300 pounds a day.»

«Thanks a lot! It’s surprising, but there is not much choice, I’m afraid.»

Good luck, guys! See ya!»

«Thanks a lot!.. (a few minutes later) Look, the ATM is out of order. We shall have to cut back our expenditure on2 entertainment.»

«Stop it! You sound like the Prime Minister. Call Jill, she might lend us a hundred for tonight, and we’ll pay her back3 tomorrow.»

«Highly unlikely. She paid our bill yesterday. It came to4 one hundred dollars, and we still owe her our share.»

«What a bummer! You are right.»


1 take smth out снимать ч-л. (деньги со счёта, из банкомата)

2 cut smth back (on) сокращать, снижать сумму

3 pay smth back возвращать ч-л.

4 come to составлять в итоге сумму для к-л.

• EXERCISE

1. Она забрала все деньги со счёта своего мужа, и с тех пор её больше не видели.

2. Теперь, когда я потерял работу, я вынужден сократить все свои расходы.

3. Не люблю одалживать деньги своим друзьям. Во первых, они никогда не возвращают их, а во вторых, ты теряешь друзей.

4. Счёт в ресторане составил 85 долларов.

***

1. She has taken out all the money from her husband’s account and has not been seen since.

2. Now that I’ve lost my job I have to cut back on all my expenditure.

3. I don’t like to lend money to my friends. Firstly, they never pay you back and secondly, you’d lose your friends.

4. The bill for meals at the restaurant came to 85 dollars.

♦ PAYING BILLS AND DEBTS

«What are you going to do after school? Going to university or taking a year off?»

«The former, I hope. I’m going to work and pay the bills. My parents will be paying off1 the mortgage on our flat for another ten years. So I’ll have no support from them.»

«I see. Mine have no mortgage, but I’ll have to earn some money too. I don’t want to take a year off, either. How much do you need to pay?»

«Last week I got the first term bill. It’s six hundred, and I’ll have to payup2 by the end of the month. I have to cut down3 some expenses. Last month I ran up4 my telephone and Internet bills for a hundred bucks. Games, streaming video, sharing files on social media, listening to music, online games, you know… So stupid of me! I’ve just found a job in a mall, but I’ll only get paid next week.»

«I see. Mate, I’ve saved two grand5. My payment is due on November 30, I could lend you a few hundred for a week or two.»

«Really?! Oh, great! Thanks, man! I’ll settle up6 with you when I get paid.»

«It’s OK. We’re brother-in-arms. Don’t worry, take your time.»


1 pay smth off – выплачивать полностью ч-л.

2 pay smth up – оплачивать, выплачивать ч-л.

3 cut smth down (on) – сокращать ч-л.

4 run up smth (of) – набегать, набирать (-ся), накапливать (-ся) (о счетах)

5 grand – штука (тысяча)

6 settle up (with smb) – рассчитываться, расплачиваться с к-л.

· EXERCISE

1. Ты все долги выплатил вовремя?

2. Заплати всю сумму, или я заберу это!

3. Мне надо каждый месяц платить фиксированную сумму за ипотеку.

4. Если ты не заплатишь вовремя, тебя могут привлечь к суду.

5. Тебе пришлось сократить расходы из-за ипотеки?

6. Нам пришлось сократить расходы на спортивные клубы.

7. За год у меня накопилось три штрафа за неправильную парковку на обочине.

8. У меня накопилось много коммунальных платежей.

9. Ты сможешь рассчитаться с ним вовремя?

10. Я рассчитаюсь с вами, как только вернусь в отель.

***

1. Have you paid off all your debts on time?

2. Pay off all the money or I’ll take it away.

3. I have to pay up a fixed amount for the mortgage every month.

4. If you don’t pay up on time, you can be taken to court.

5. Did you have to cut down your expenses because of the mortgage?

6. We had to cut down on or sport clubs.

7. This year I have run up three traffick tickets for parking on the sidewalks.

8. I have run up a lot of utility bills.

9. Can you settle up with him on time?

10. I’ll settle up with you as we get back to the hotel.

♦ HIGHER EDUCATION

«I heard that higher education in Germany was free. Is this true?»

«Yes, it is. But it’s a little bit tricky. You have to speak German to enter a university.»

«It’s quite fair. My parents studied free of charge, but now things have changed completely. We have to pay it annually.»

«So do we. My parents and I started saving up1 already. We try to set aside2 a fixed amount each month so that we have enough by next year.»

«I see. I bought so many expensive gadgets last year. I tried hard3 to sell them this summer to add some funds to my account, but to no avail. It looks like I have to just write the money off4

«I agree. It’s not worth trying, I’ve got the same problem. The gadgets are not worth a dime, believe me.» «You won’t get this money back5. I’m ashamed to tell you, but my parents and I are now looking for sales and discounts everywhere, and yesterday they were giving away6 free tickets to a stand-up show and I got one. My mother was lucky to pick up7 a cookery book last week at a knockdown8 price. You can’t imagine how happy she was!»

«I can. I always feel the same when I snap up a bargain9


1 save smth up – копить, экономить ч-л.

2 set aside smth (for smth) – откладывать ч-л. (на ч-л.)

3 try hard – отчаянно пытаться

4 write off smth – списывать ч-л.

5 get smth back – получить назад, вернуть ч-л.

6 give smth away – раздавать бесплатно, распространять ч-л.

7 pick smth up – прикупить, отхватить ч-л.

8 knockdown – бросовый, невероятно дешёвый

9 snap up a bargain – отхватить по дешёвке

• EXERCISE

1. Ты копишь на новый планшет?

2. Ты откладываешь деньги на отпуск?

3. Я отчаянно пытался сэкономить, но не смог.

4. Тебе придётся списать эти расходы.

5. Ты не получишь свои деньги назад.

6. Твой смартфон старый, он ни фига не стоит. Отдай его просто так!

7. Я прикупила эту сумочку на распродаже на прошлой неделе.

8. Они распродавали всё по бросовым ценам.

9. Это практически даром! Мне повезло отхватить это по дешёвке.

***

1. Are you saving money up for a new tablet PC?

2. Do you set aside money for your holiday?

3. I try hard to save some money, but failed.

4. You’ll have to write off those expenses.

5. You won’t get your money back.

6. Your smartphone is old, it’s not worth a cent. Give it away for nothing!

7. I picked this purse up on sale last week.

8. They were selling out everything at a knockdown price.

9. It’s dirt cheap! I was lucky to snap up a bargain.

♦ A KNOCKDOWN PRICE

Hi Denise,

I’ve got great news. At last I’ve got my first pay and started setting aside some money for my holidays! I hope I’ll save up1 enough to visit you next year. I managed to flog2 all my old smartphones and tablet PCs to my roommates. My parents have already said «good-bye’ to that money. They didn’t think I’d get it back3 one day. So they allowed me to use it the way I wished. Now I can start searching for a knockdown price for air tickets on the Internet. It won’t cost me a fortune4, I hope.

Looking forward so much to seeing you soon,

Patric


1 save smth up (for) – откладывать, копить

2 flog smth to smb – впаривать, сбывать, «сливать» ч-л. к-л.

3 get smth back – возвращать, получать назад ч-л.

4 cost a fortune – стоить целое состояние

♦ HOW TO BE SOLVENT

Hi Jack,

I have some financial problems at the moment. I can’t understand how I have been tangled up in1 this situation. I owe my landlady a hundred dollars. I have to pay up before the end of the month. What’s worse, I’ve run up2 many other bills. I haven’t the slightest idea how I’m going to pay back3 my debts. I could try to sell my old rotten car, but it’s highly unlikely. I can’t even give it away. Our boss said they’d have to cut back4 our pay from next month. That’s terrible! I really counted on5 that money. So I don’t know what I am going to do to getalong6 and be solvent7.

Ben


1 be tangled up in smth – запутаться в ч-л.

2 run up smth – накапливать (-ся) ч-л., набегать

3 pay back smth – выплачивать, возвращать ч-л.

4 cut back smth – сокращать ч-л.

5 count on smth – полагаться, рассчитывать на ч-л.

6 get along (on) – (про) тянуть, (про) жить на ч-л.

7 be solvent – оставаться платёжеспособным

· EXERCISE

1. Кажется, я окончательно запутался в этой сложной ситуации.

2. У тебя много неплатежей накопилось на карте?

3. Проценты по займу слишком высокие, и ты его не выплатишь.

4. Тебе придётся сократить свои расходы на такие ненужные вещи, как дорогая косметика, новые шмотки и развлечения.

5. Мы можем на него рассчитывать?

6. С этого момента тебе придётся жить исключительно на свою зарплату.

7. На паспортном контроле они спрашивают, платёжеспособный ли ты, есть ли у тебя кредитная карта, банковский счёт, или определённая сумма денег.

***

1. I seem to have been tangled up in my bills and payments completely.

2. Have you run a big card bill?

3. Interest on loans is far too high and you won’t pay it back.

4. You have to cut back your expenditure on unnecessary things like expensive make-up, fancy new clothes and entertainment.

5. Can we count on him?

6. You’ll have to get along on just your salary from now on.

7. At passport control, they ask you if you are solvent and have a credit card or a bank account or a certain amount of cash.

♦ SEARCHING FOR A BETTER PRICE AND DRIVING A HARD BARGAIN

«It’s way too expensive. Can we have it cheaper?»

«He is driving a hard bargain1. He says twenty dollars and he’ll break even2

«Try to beat him down3 to fifteen. Tell him that guy over there is selling cheaper.»

«It won’t work. He is very stubborn. Who dares wins, you know.»

«So any success?»

«Sort of. He knocked three dollars off4 for cash.»

«Great! That’s a real bargain5. Let’s go and pick up something else!»

«I think we could club together6 and buy a gift for Kate. It’s her birthday in a week.»

«No problem! We’d be better off going to another market, though. They seem to rip us off7 here if they see we are really interested in anything.»

«All gift shops for tourists are a rip-off8. They overinflate prices9 and try to throw in10 some rubbish!»

«Yeah, I know. They swindle tourists all over the world. Let’s take our time and shop around11. Do you mind?»

«No, I don’t. You are right. Last time I snapped up12 a Diesel bag in a store, a few minutes later I found the same one at half price13 around the corner.»

«Bad luck! Things happen. Last year we were in an Aqua park in Egypt and had to fork out14 five bucks for a can of cola. That beats everything! Can you believe it?»


1 drive a hard bargain – настойчиво торговаться, слишком много хотеть

2 break even – остаться при своих, без прибыли

3 beat smth /smb down (to) – сбивать (цену), уломать, уговорить до ч-л.

4 knock smth off – скидывать, сбрасывать ч-л.

5 a real bargain – удачная покупка

6 club together – скинуться, поучаствовать

7 rip smb off – обдирать к-л. (как липку)

8 a rip-off – обдираловка

9 overinflate prices – задирать цены

10 throw in smth – давать в придачу, накидывать ч-л.

11 shop around – ходить и прицениваться

12 snap smth up – урвать, успеть купить ч-л.

13 at half price – за полцены

14 fork out smth (for) smth/smb – выкладывать ч-л. за ч-л./к-л.

· EXERCISE

1. Ты слишком настойчиво торгуешься! Потише, тише, успокойся!

2. Если я продам по этой цене, я останусь без прибыли.

3. Ты можешь скинуть цену до 50 долларов?

4. Можешь сбросить 10 процентов, если я возьму 2 платья?

5. Я отхватил классную машину. Отличная покупка!

6. Давайте скинемся и купим ноутбук.

7. Их ободрали их там, как липку.

8. Это же грабёж! Может, сбросишь немного?

9. Сначала они задирают цены на 100%, а затем говорят, что сбросили 50%.

10. Если купишь мой смартфон, я накину тебе в придачу ещё наушники и кабель для зарядки.

11. Где тут можно походить (полазить) по магазинам?

12. Где ты это оторвал?

13. Купил вчера за полцены на онлайн-распродаже.

14. Ну и сколько ты выложил за это?

***

1. You are driving a hard bargain! Easy, easy, calm down!

2. If I sell it at this price, I’ll break even.

3. Can you beat the price down to 50 dollars?

4. Can you knock 10 percent off, if I take 2 dresses?

5. I picked up a nice car. It was a real bargain.

6. Let’s club together and buy a laptop.

7. They were ripped off ther.

8. It’s a rip-off! Can you knock a little off?

9. First they overinflate the prices by 100% and then say they’ve knocked 50% off. Well, did they rip you off?

10. If you buy my smartphone, I’ll throw in new earphones and a charging cable.

11. Where could we shop around?

12. Where did you snap it up?

13. I bought this on an online sale at half price.

14. How much did you fork out for that?

♦ A USEFUL DIET

I said to myself, «It’s enough!» I have to stock up on1 fruit and vegetables and forget about junk food. I am not going to be on a diet, but I have to avoid rich and fatty products. I won’t skimp on2 healthy foods. I know I splashed out3 on some new clothes for my children last month and ran up a huge bill. They were selling them off4 at half price and I couldn’t help buying. I snapped up a bargain. I know the next day all the clothes were sold out! So I think a lack of money is now a good chance for me to think how to stay in shape and keep fit. I do want to be slim and slender.


1 stock up on smth – закупаться, запасаться ч-л.

2 skimp on smth – экономить на ч-л., скупиться, ужиматься

3 splash smth out (on) – не жалеть деньги на ч-л., транжирить

4 sell smth off – распродавать со скидкой ч-л.

• EXERCISE

1. В Германии жители часто закупаются едой перед продолжительными праздниками, так как все магазины обычно закрыты.

2. Я никогда не экономлю на фруктах, потому что я их обожаю!

3. Не транжирь деньги на всякую фигню!

4. Эти джинсы довольно новые, и их быстро распродали.

***

1. In Germany people often stock up on some food before the long holidays since all the shops are usually closed.

2. I never skimp on fruit because I adore it!

3. Don’t skimp on rubbish, man!

4. These jeans are quite old and were sold out quickly.


Вспомните несколько фразовых глаголов и приведите их синонимы из заимствованных слов.

Пример: To bring up – to educate


Cоставьте рассказ о себе со всеми фразовыми глаголами. После проверки – запишите на диктофон в телефоне (планшете, компьютере) и, слушая себя, выучите наизусть.

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