1. Read pros and cons given below. Think of some more which are important in your opinion.

	For		Against
1.	It will help me live on the mo­ney I have.	1.	It takes too much time.
2.	It will force me to set goals in using money.	2.	It's very boring to live following the set plan.
3.		3.
4.		4.

2. Discuss the problem in groups of 3-5 students to make a decision.

3. Fill in the table and give reasons for your decisions.

Opinions	Group 1	Group 2	Group 3
It is necessary for a student to make a budget.
It's not necessary for a student to make a budget.

Exercise 7. Make a short speech.

Sample topics are: 1) Why is it sometimes difficult to follow the budget you have planned?

2. What would be a good goal for money earned

from summer work?

3. Financial resources must be used wisely in reaching certain goals.

UNIT FIVE

Topic: Legal Responsibilities

Grammar: Participle. Participle Constructions

Part I

Preliminary Exercises

Exercise 1. Give two Russian equivalents of different origin.

Example: standard – стандартный, типовой.

Individual, competence, formal, assistant, legal, agency, action, classification, public, international, criminal, to regulate, contract, personal, business, aspect.

Exercise 2. a). Form nouns from the following verbs by means of conversion (to test – a test). Translate the nouns into Russian.

To rule, to act, to need, to conduct, to concern, to deal, to break, to will, to form, to promise, to purchase, to check, to value.

b). Identify parts of speech and translate sentences with these words into Russian.

1. The water shortage concerns all of us.

2. It is a social problem of great concern to the scientists.

3. How would you deal with an armed burglar?

4. This is no deal. The price is too high.

5. Will you please check these figures?

6. It is difficult to cash checks on weekends or holidays.

7. Few individuals can purchase everything needed at one time.

8. Goods should be returned if defects are discovered after purchase.

9. It only needs good will from both sides.

10. There’s a great need for a book on this subject.

Exercise 3. Recognize the words formed with negative prefixes and translate them into Russian.

Possible – impossible, moral – immoral, personal – impersonal, formal – informal, valid – invalid, competent – incompetent,

legal – illegal, logical – illogical, acceptable – unacceptable, cultured – uncultured, defended – undefended, valued – unvalued, honest – dishonest, agreement – disagreement, conduct – misconduct, understand – misunderstand.