Vocabulary

instead of – вместо

receipts – чеки по платежам

advantage – преимущество, достоинство

approach – подход принцип, способ

to factor - учитывать

predictable - предсказуемый

costs – издержки, затраты, расходы

generally speaking – говоря вообще

to look for – искать, ожидать

total debt load – общая долговая нагрузка

mortgage – залог, ипотека

installment debt – очередной взнос

to get down – снижать, спускать

total income – общий доход

to get a handle on – разобраться, понять

utilities – коммунальные услуги

to qualify – отвечать требованиям, делать способным

down payment – первая выплата, взнос, аванс

down – первоначальный, наличный, в качестве первонач. взноса

overall cost – полная стоимость

to shoot for - добиваться

monthly bills – ежемесячные счета

interest rate – процентная ставка

to establish – создать, установить, заводить

due date – установленная дата платежа

to pay off – расплачиваться

promptly - аккуратно, своевременно, быстро

1. Write the transcription and train the pronunciation of the following words. Memorize them.

receipts advantage approach repair predictable although higher

load figure typically mortgage range overall establish

installment necessary utilities enough quality shoot entire

2. Practice the reading of the following groups of words.

last six months for all your bills is that it factors need to get

for a total debt get a better rate in unexpected certain amount

rent and utilities at a high-enough level since this figure whatever’s left toward

3. Compose your own sentences using the following models and the words from helpful vocabulary. Mind the tenses.

1. __________________ before ______________ .

2. __________________ after ________________ .

3. __________________ when _______________ .

4. _________________ if ___________________ .

5. _________________ till __________________ .

6. _________________ until _________________ .

7. _________________ as soon as _____________ .

4. Using the following models compile sentences of your own. Don’t forget to use vocabulary words.

1. You probably know how to ______________________ .

2. You probably know that _________________________ .

3. Generally speaking ______________________________.

4. ________________________ in stead of _____________.

5. Since _________________________________________ .

6. It’s possible to __________________________________ .

7. It’s impossible to ________________________________ .

8. It is not possible _________________________________ .

9. It may be necessary to _____________________________ .

5. Translate the sentences, define the tense form of the predicate and compose special questions.

1. One advantage of this approach is that it factors in unexpected expenses.

2. Lenders look for a total debt load of no more than 36 percent of income.

3. You need to get the rest of installment debt down to between 8 percent and 10 percent of your total income.

4. You’ll probably see some great ways to save.

5. It has been possible to get a mortgage with only 5 percent down.

6. He always made payments by the due date.

7. This figure includes your mortgage, which typically ranges between 25 – 28 percent of income.

8. She has decided on a certain amount a month she wants to save.

9. We will have got a better rate and a lower overall cost.

10. At that moment they were writing down everything they spent for one month.