initial deposit to avoid

Opening an Account

- Good morning.

- Good morning, sir. Can I help you?

- Yes, I think so. I would like to open an account.

- What kind of are you interested in?

- You see, I have some spare money to put into the bank.

- Then you should open either a savings or a checking account.

- I'm afraid I know nothing about either of them. Could you tell me the difference between these two accounts?

- A small initial deposit is necessary to open a savings account at our bank. If it is more than five hundred dollars and you maintain this amount, then you won't be charged for banking services. Otherwise you will be charged five dollars a month.

- So, 1 must keep a minimum balance of $500, is that correct?

- Yes, that's right. Our computers check your average daily balance.

- And will I get a banking card after opening an account?

- Yes, certainly. And then you can get your money through machine services. You can make deposits, cash withdrawals and balance inquiries with your card. The machine is at work 24 hours a day.

- Oh. it's very convenient. And may 1 ask what a checking account means?

- Certainly, sir. After opening a checking account you are supposed to maintain an average daily balance of $1,000.

- And what if I fall below this limit?

- Then you would have to pay a service charge of six dollars a month, and besides you will be charged 25 cents for each check and the same amount for each cash withdrawal.

- Hmm, I see. And can I avoid it somehow?

- Yes, of course. It may be done by keeping your $1,000 in your checking account.

- And how much interest do you pay?

- Interest of 6,5% is paid when your average daily balance is over $2,500. We credit the interest you've earned automatically to your

account.

- Well, it's clear enough, but I intended to put only $1.000 into the account.

- Then it would be more profitable for you to open a savings account.

- Okay. I've made up my mind. I will open a savings account with a deposit of one thousand dollars.

- Fine. Will you fill out this application? (The client fills out the application)

- Is everything correct?

- Yes. every thing is all right. And now you need to write a deposit ticket for $1,000.

- Just a moment.

- Thank you, sir. Here is your pass-book. The bank will pay you 5,5% interest.

- Thank you. You were most helpful.

Робота над текстом за професійним спрямуванням.

Painting as a Spiritual Expression

Is a painting no more than a piece of paper with lines and color or is it more than that? In the hands of the master painter, who is painting in the spirit; the lifeless piece of paper with its lines and colors, is transformed into a creation that has life, just as the master creator gave life to his creation. The painter transmits the essence of his spirit to his creation, the “painting.”

A painting is the expression of the heart and soul; it transmits cultural messages and the mysteries of the universe. It is born out of the desire of the artist to represent the forms of nature and man through the spirit of the artist as he perceives his world.

An artist not only captures the forms of nature, the artist’s spirit interacts with the spirit of the animals or men he is painting. His painting captures both the spirit and the message of its subject. One can see it in the expression, the eyes, and the gestalt of the painting. All good paintings communicate an emotion or message to the observer. It might be a message of love, harmony or tranquility; or it might be a message of danger, fury, or sadness. It could be a lesson, or something that all of us as humans can identify with, such as a desire to be loved.

The painting as art served ancient peoples as a medium to purify and refine the human spirit. The well studied and observant artist through his own meditation gives life to the animated states, feelings, and spiritual essence of the animals and humans he paints. The purification or refinement of the observer’s spirit occurs through the inspired artist’s ability to communicate the subject’s (man or animal): spirit, animation, feelings, thoughts, and the scene or stage of the subject, with all of its colors and form.

Ex. 1. Read and translate the text. Prepare for a discussion.

Граматичний матеріал: Сполучник.

Like = 'similar to', 'the same as'. You cannot use as in this way:
• What a beautiful house! It's like a palace. (not as a palace)
• 'What does Sandra do?' 'She's a teacher, like me.' (not as me)
• Be careful! The floor has been polished. It's like walking on ice. (not as walking)
• It's raining again. I hate weather like this. (not as this)
In these sentences, like is a preposition. So it is followed by a noun (like a palace), a pronoun (like me / like this) or -ing (like walking).
You can also say '... like (somebody/something) doing something':
• 'What's that noise?' 'It sounds like a baby crying.'

Sometimes like = for example:
• Some sports, like motor-racing, can be dangerous.
You can also use such as (= for example):
• Some sports, such as motor-racing, can be dangerous.

As = in the same way as, or in the same condition as. We use as before subject + verb:
• I didn't move anything. I left everything as it was.
• You should have done it as I showed you.
Like is also possible in informal spoken English:
• I left everything like it was.
Compare as and like:
• You should have done it as I showed you. (or like I showed you)
• You should have done it like this. (not as this)
Note that we say as usual / as always:
• You're late as usual.
• As always, Nick was the first to complain.

Ex. 1. Put in like or as. Sometimes either word is possible.
1.We heard a noise like a baby crying.
2.Your English is very fluent. I wish I could speak __________ you.
3.Don't take my advice if you don't want to. You can do __________ you like.
4.You waste too much time doing things __________ sitting in cafés all day.
5.I wish I had a car __________ yours.
6.You don't need to change your clothes. You can go out __________ you are.
7.My neighbour's house is full of lots of interesting things. It's __________ a museum.
8.We saw Kevin last night. He was very cheerful, __________ always.
9.Sally has been working __________ a waitress for the last two months.
10.While we were on holiday, we spent most of our time doing energetic things __________ sailing, water skiing and swimming.
11.You're different from the other people I know. I don't know anyone __________ you.
12.We don't need all the bedrooms in the house, so we use one of them __________ a study.
13.The news that Sue and Gary were getting married came __________ a complete surprise to me.
14. __________ her father, Catherine has a very good voice.
15.At the moment I've got a temporary job in a bookshop. It's OK __________ a temporary job, but I wouldn't like to do it permanently.
16. __________ you can imagine, we were very tired after such a long journey.
17. This tea is awful. It tastes __________ water.
18. I think I prefer this room __________ it was, before we decorated it.

You can use as if or as though to say how somebody or something looks/sounds/feels:
• That house looks as if it's going to fall down.
• Helen sounded as if she had a cold, didn't she?
• I've just come back from holiday, but I feel very tired. I don't feel as if I've just had a holiday.
You can use as though in all these examples:
• I don't feel as though I've just had a holiday.
In informal spoken English you can also use like:
• That house looks like it's going to fall down.
Compare:
• You look tired. (look + adjective)
You look as if you haven't slept. (look as if + subject + verb)

During and while
Compare:

Some more examples of while:
• We saw Clare while we were waiting for the bus.
• While you were out, there was a phone call for you.
• Chris read a book while I watched television.
When you are talking about the future, use the present (not will) after while:
• I'll be in London next week. I hope to see Tom while I'm there. (not while I will be there)
• What are you going to do while you are waiting? (not while you will be waiting)

Ex. 1. Put in for or during .
1. It rained for three days without stopping.
2. I fell asleep during thе film.
3. I went to the theatre last night. I met Sue ___________ the interval.
4. Martin hasn't lived in Britain all his life. He lived in Brazil ___________ four years.
5. Production at the factory was seriously affected ___________ the strike.
6. I felt really ill last week. I could hardly eat anything ___________ three days.
7. I waited for you ___________ half an hour and decided that you weren't coming.
8. Sarah was very angry with me. She didn't speak to me a week.
9. We usually go out at weekends, but we don't often go out ___________ the week.
10. Jack started a new job a few weeks ago. Before that he was out of work ___________ six months.

Ex. 2. Put in during or while.
1.We met a lot of interesting people while we were on holiday.
2. We met a lot of interesting people during our holiday.
3. I met Mike __________ I was shopping.
4. __________ I was on holiday, I didn't read any newspapers or watch TV.
5. __________ our stay in Paris, we visited a lot of museums and galleries.
6. The phone rang three times __________ we were having dinner.
7. The phone rang three times __________ the night.
8. I had been away for many years. __________ that time, many things had changed.
9. What did they say about me __________ I was out of the room?
10. I went out for dinner last night. Unfortunately I began to feel ill __________ the meal and had to go home.

We use until (or till) to say how long a situation continues:

Compare until and by:

Something continues until a time in the future: • David will be away until Monday. (so he'll be back on Monday)	Something happens by a time in the future: • David will be back by Monday. (= he'll be hack not later than Monday)
• I'll be working until 11.30. (so I'll stop working at 11.30)	• I'll have finished my work by 11.30. (= I'll finish my work not later than 11.30.)

Ex. 1. Put in by or until.
1.Steve has gone away. He'll be away until Monday.
2.Sorry, but I must go. I have to be home ___________ 5 o'clock.
3. I've been offered a job. I haven't decided yet whether to accept it or not. I have to decide ___________ Friday.
4. I think I'll wait ___________ Thursday before making a decision.
5. It's too late to go shopping. The shops are open only ___________ 5.30. They'll be closed ___________ now.
6. I'd better pay the phone bill. It has to be paid ___________ tomorrow.
7. Don't pay the bill today. Wait ___________ tomorrow.
8. A: Have you finished redecorating your house?
B: Not yet. We hope to finish ___________ the end of the week.
9. A: I'm going out now. I'll be back at about 10.30. Will you still be here?
B: I don't think so. I'll probably have gone out ___________ then.
10. I'm moving into my new flat next week. I'm staying with a friend ___________ then.

Домашнє завдання:

1.Опрацювати текст за професійним спрямуванням.

2.Опрацювати граматичний матеріал, виконати запропоновані вправи.

Практичне заняття № 3

Тема заняття: Товари продовольчі та промислові

Vocabulary:

blouse – блуза

shade – відтінок

sleeve – рукав

fashionable – модний

expensive – дорогий

fitting room – кімната для примірок

tight – малий (за розміром), тугий

smart – гарний (мати гарний вигляд)

wide choice – широкий вибір

A: What can I do for you, miss?

B: Well, I'm looking for a blouse.

A: Oh, we have a wide choice of blouses of various shades and colours.

What colour would you prefer?

B: I'd rather have something in blue with long sleeves.

A: Here is a one. It's fashionable and not very expensive. Do you like it?

B: Hmm... Yes, I do. And where is your fitting room?

A: Right opposite you. Does it fit you well?

B: I'm afraid it's a bit tight.

A: O.K.. I'll bring a bigger one. Is it all right?

B: Yes, it fits me perfectly.

А: You are looking smart. And the shade becomes you.

B: How much is it?

A: Just six pounds.

B: All right. Where do I pay?

A: You may pay here. Thank you. Come again.

Ex.1. Answer the following questions.

1. Where do you usually clothes?

2. How much does the price of the thing you want to buy influence you?

3. Do you always use fitting room while buying clothes?

4. What do you prefer to attend: supermarkets or markets?

Робота над текстом за професійним спрямуванням.

Vincent van Gogh

Vincent van Gogh was born near Brabant, the son of a minister. In 1869, he got a position at the art dealers, Goupil and Co. in The Hague, through his uncle, and worked with them until he was dismissed from the London office in 1873. He worked as a schoolmaster in England (1876), before training for the ministry at Amsterdam University (1877). After he failed to get a post in the Church, he went to live as an independent missionary among the Borinage miners.

He was largely self-taught as an artist, although he received help from his cousin, Mauve. His first works were heavily painted, mud-colored and clumsy attempts to represent the life of the poor (e.g. Potato-Eaters, 1885, Amsterdam), influenced by one of his artistic heroes, Millet. He moved to Paris in 1886, living with his devoted brother, Theo, who as a dealer introduced him to artists like Gauguin, Pissarro, Seurat and Toulouse-Lautrec. In Paris, he discovered color as well as the divisionist ideas which helped to create the distinctive dashed brushstrokes of his later work (e.g. Pere Tanguy, 1887, Paris). He moved to Arles, in the south of France, in 1888, hoping to establish an artists' colony there, and was immediately struck by the hot reds and yellows of the Mediterranean, which he increasingly used symbolically to represent his own moods (e.g. Sunflowers, 1888, London, National Gallery). He was joined briefly by Gauguin in October 1888, and managed in some works to combine his own ideas with the latter's Synthetism (e.g. The Sower, 1888, Amsterdam), but the visit was not a success. A final argument led to the infamous episode in which Van Gogh mutilated his ear. In 1889, he became a voluntary patient at the St. Remy asylum, where he continued to paint, often making copies of artists he admired. His palette softened to mauves and pinks, but his brushwork was increasingly agitated, the dashes constructed into swirling, twisted shapes, often seen as symbolic of his mental state (e.g. Ravine, 1889, Otterlo). He moved to Auvers, to be closer to Theo in 1890 - his last 70 days spent in a hectic program of painting. He died, having sold only one work, following a botched suicide attempt. His life is detailed in a series of letters to his brother (published 1959).

Ex. 1. Read the following text. Prepare for a discussion.

Граматинчий матеріал: виконання граматичних вправ

Study this example:

After although we use a subject + verb:
• Although it rained a lot, we enjoyed our holiday.
• I didn't get the job although I had the necessary qualifications.
Compare the meaning of although and because:
• We went out although it was raining.
• We didn't go out because it was raining.

Ex. 1. Complete the sentences with although / in spite of / because / because of.
1. Although it rained a lot, we enjoyed our holiday.
2. a _____________ all our careful plans, a lot of things went wrong.
b _____________ we'd planned everything carefully, a lot of things went wrong.
3. a I went home early I was feeling unwell.
b I went to work the next day _____________ I was still feeling unwell.
4. a She only accepted the job _____________ the salary, which was very high.
b She accepted the job _____________ the salary, which was rather low.
5. a I managed to get to sleep _____________ there was a lot of noise.
b I couldn't get to sleep _____________ the noise.
Use your own ideas to complete the following sentences:
6. a He passed the exam although _____________________________.
b He passed the exam because _____________________________.
7. a I didn't eat anything although _____________________________.
b I didn't eat anything in spite of ____________________________.

Домашнє завдання:

1.Опрацювати текст за професійним спрямуванням.

2.Опрацювати граматичний матеріал, виконати запропоновані вправи.

3.Повторити граматичний матеріал, підготуватись до контрольної роботи.

Практичне заняття № 4

Тема заняття: Види крамниць та відділів

Vocabulary:

shopping – шоппінг, купування, (д.) робити покупки

daily life – щоденне життя

entertainment – розвага

department – відділ

shoes department – взуттєвий відділ

haberdashery department – відділ галантереї

perfume department – відділ парфумерії, косметики

jeweler’s – ювелірна крамниця/відділ (у великому магазині)

grocer's – бакалія

greengrocer's – овочевий та фруктовий відділ

baker's – пекарня

dairy – молочарня

supermarket – супермаркет

pile – нагромаджувати

convenient – зручний

Shopping

There are some things we have to do every day. Shopping is one of them. Shopping is a part of our daily life. Some people hate it and find it boring. Others consider it very exciting and believe it a kind of entertainment. As for me, I'm not a great fan of shopping. But I understand that I have to deal with it whether I like it or not. When I need something in the way of clothes I go to the department store. There I can buy shoes, hats, knitted goods, household goods and so on. When I want to buy clothes I go to the Ready-Made Clothes departments. They are the Men's or Ladies' Outfitter's. Boots and shoes are sold at the Shoe department or the Footwear department to buy socks and stockings we go to the Hosiery department. We can buy buttons, ribbons, lace, tape, thread, needles, pins, handkerchiefs, zippers and such like at the Haberdashery department. To buy cardigans, jumpers, pullovers and knitted underwear we go to the Knitted Goods department. Ladies buy perfume, face powder, lipstick, face cream, nail varnish, mascara, shades and such like at the Perfume department. People buy jewellery and gold watches at the jeweler’s. Books are sold at the bookseller's, flowers at the florist's. Newspapers and magazines are often sold at the news-stands or news stalls. If I want to buy some meat I go to the butcher's. At the grocer's flour, sugar, cereals, tea, coffee and other things can be bought. To buy some vegetables and fruit I go to the greengrocer's. Bread, buns, biscuits, cookies are sold at the baker's. If I want to buy some fish I go to the fishmonger's. To buy milk, cheese, eggs we go to the dairy. I prefer to buy food in a supermarket. It is very convenient. I can take a trolley and pile everything I need there.

Ex. 1. Answer the following questions.

1. What do you think about tele and computer shopping? Who do you think it is good for?

2. What are, in your opinion, advantages and disadvantages of tele and computer shopping?

3. Would you personal like to shop without leaving your house? Why? Why not?

4. What goods and products would you buy using telephone and computer?

5. Do you think everything can be bought by phone and computer? If no, what goods cannot be bought in such a way?

Граматичний матеріал: Виконання контрольної роботи.

Модуль самостійної роботи:

1. Пряма та непряма мова.

2. Скласти діалоги з теми «Обмін валюти».

3. Анотування газетної статті за фахом.

Індивідуальна робота за семестр:

1. Індивідуальне читання за фахом.

2. Словник-мінімум (за професійним спрямуванням).

Література

1. English: Тексти. Підручник. Для студентів інженерних, аграрних, медичних вищих навчальних закладів/ Укладач Є.О.Мансі. – К: Видавничий центр «Академія», 2004. – 432 с.

2. Безуглий А.В. Розповіді з історії Великобританії. – Х.: Прапор, 1999. – 40 с.

3. Бориско Н.Ф. Бизнес- курс немецкого языка. – К.: Логос, 1998. – 420 с.

4. Буданов С.І., Борисова А.О. Ділова англійська мова. 2-ге вид. – Харків: ТОРСІНГ ПЛЮС, 2006. – 128 с.

5. Бурова З.И. Учебник английского языка для гуманитарных специальностей вузов. – 4-е изд. – М.: Айрис-пресс, 2004. – 576 с.

6. Воробйова А.В., Попович А.В., Чуба А.В., Єремєєва Є.Г., Шевельова Н.В., Денисенко О.В., Ляшенко У.І. Науково-методичні рекомендації «Іноземна мова (за профілем спрямування). Моніторинг знань студентів I курсу нефілологічних спеціальностей (збірник тестових завдань)». – Херсон: Видавництво ХДУ, 2008. – 192 с.

7. Воробйова А.В., Єремєєва Є.Г., Попович А.В. Методичні рекомендації з вивчення курсу «Іноземна мова (за профілем спрямування)». – Херсон: Айлант, 2008. – 104 с.

8. Гонсалес-Фернандес А. и др. Испанский язык: Учебное пособие /

А.А. Гонсалес-Фернандес, Н.М. Шидловская, А.В. Дементьев. – 3-е изд., стереотипное – М.: Высш.шк., 1999. – 320 с.

9. Голотюк О.В. Навчально-методичні рекомендації з теми „Мистецтво" для студентів ІY-Y року навчання спеціальності 7.010103 ПМСО. Мова і література (англійська, французька). – Херсон: „Айлант", 2005. – 68 с.

10. Гужва Т.М. Reasons to Speak. Сучасні розмовні теми. – Х.: Торсінг Плюс, 2006. – 320 с.

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