Can Two Family Members Get a Loan Together to Buy a House
CONTENTS
Sample answers
Sample questions and answers from speaking function 1, 2 and 3
Central vocabulary
Words and terms frequently used when talking virtually money
Word germination
Learn how to use broad diverseness of parts of speech, such every bit nouns, verbs, adjectives
Collocations
Find out groups of words that usually used together past native speakers
Useful resources
References to teaching and accurate materials related to this topic: IELTS blogs, podcasts, videos and articles
Downloads
Download this commodity in PDF. Download ANKI flashcards and accept advantage of spaced repetition method
Money: Sample questions and answers for IELTS speaking exam
Part 1
- Do you similar shopping?
– No, I don't. I am not a hoarder and just prefer to buy high-quality things that I know I definitely demand. And this, of course, happens not that often.
- Have yous bought annihilation interesting recently?
-Yes, I did. I desperately needed new sneakers and found a beaufitul pair of white ones.
- How of import is money to you?
-I consider money merely a tool to achieve goals. Without information technology, it would be quite hard to go anything significant in life when it comes to tangible things that tin can be bought.
- Do you lot think you will take lots of money in future?
-Yes, definitely. I am working hard correct now to get a overnice well-paid task. In the futurity, I will for sure be able to maintain a good lifestyle.
5. Would you lot like to become rich some day?
– Of course, I exercise. But this is not an finish goal for me. I need coin to serve the humanity improve, considering I want to build a chain of waste recycling plants in the future.
six. Do yous think it is ok to lend money to friends or family members?
-I exercise non support those who rely on borrowing. Still, sometimes it is okay to lend coin equally long as information technology serves a good cause.
7. Are you lot good at saving money?
-Yes, I consider myself very conscious when it comes to my spending habits.
8. Do you invest your spare money?
-Unfortunately, non notwithstanding, however, I take been thinking about investing it for quite some time. The affair is – I tin can't notice enough time to properly break this down for myself.
nine. Exercise you recall financial literacy is at the high level aross generations?
-In my stance, immature people more often than not think less about money management than adults. I expect this to modify considering of better pedagogy at schools and universities.
Part 2
Describe something you want to buy but can't afford. You lot should say:
- What you would similar to buy
- How much information technology costs
- Why you tin't afford it
- and explain if there is any other mode you could larn it.
I would like to purchase myself a automobile. This volition be my first vehicle, considering I have only got my driver'south licence. I like travelling with comfort to work and effectually the urban center, only the heavy traffic during blitz hours makes public transportation really inconvenient for me. Still, I am very witting well-nigh the environment and wouldn't like to spend coin on a conventional machine that volition simply contaminate the air nosotros jiff. Therefore, the perfect auto for me would be an electric one – ideally, a Tesla.
Teslas cost substancially more usual petrol cars. Their price fluctuates around 80,000 – 100,000 USD. What I especially dear virtually it is that it's possible to design my own one – some parts of it can exist customized.
Unfortunately, I can't beget this motorcar correct now – I accept just graduated and entered the job market with not the highest e'er salary. Also, I haven't taken up a single loan, and I am of a stiff belief that credit must finance only investments that generate time to come returns. And such a consumeristic purchase equally a car definitely won't earn me whatever money. In fact, I will merely spend even more on planned maintenance. Thankfully, Tesla is not a vehicle that needs petrol, so I will majorly relieve on gasoline. Thus, I will look for a couple of years, until my pay improves. I will also have a better range of car models to choose from.
Function iii
- How much money is enough?
The question of a sufficient amount of money is absolutely subjective – anybody has their own pay-rate expectations (idea). This highly depends on the lifestyle ane leads – on the quality of life one is accustomed to. In my opinion, ane can surely say they have enough coin when they are able to beget spontaneous purchases thoughout the month without worrying nearly their next month financial stability (explicate). There are many modern online banking apps that let to rails monthly spendings and plan future budgets – they are a corking helping hand indeed (instance).
- What issues does money cause in your guild?
Money is the tool that solves many problems – from very pocket-size daily ones to huge infrastructural problems (idea). However, in that location are certain people whose individuality and grapheme force them to make poor decisions when given too much coin or ability (explain). One of the near axiomatic examples is politicians who are frequently corrupted, which makes them incompetent and inefficient public servants. Globalisation only exacerbates the gap between haves and accept-nots. Many people lack coin to sustain day-to-day living, while the rich become richer every day(instance).
- Do immature people nowadays believe in saving money? What conflicts can arise between a person's family unit and a person'due south friends?
The willingness and ability to save greatly depends on a person's character (idea). Since many young people are still not mature enough and prone to sudden mood swings, information technology is easier for them to autumn prey to compelling ads, ending up with a purse of spontaneous purchases. In addition, many companies offer easy payment terms, so youngsters get tempted to spend more on things they practice not really need (explain). A dandy example would be the rapid advancement in technologies that give access to instant credit from the biggest and most reliable banks (example).
Primal vocabulary: Definitions and examples
charge
a toll asked for goods or services
You no longer need to worry for future charges from Audible and your membership was completely cancelled now.
loan
an amount of money borrowed from a bank
If y'all're looking for a loan, approach our local banks.
credit
coin available for a customer to infringe.
Redland Bank volition non ordinarily give credit to applicants under 18 years of age .
wealth
a large corporeality of valuable things or money
Wealth is non the same thing equally money.
savings
the money that you have saved
I don't accept a potent view as to how you should diversify your savings.
to earn
to become money for the work that you do
Indeed up until recently the boilerplate English farmer earned £ 77 per calendar week.
turn a profit
a fiscal gain, especially the difference betwixt the amount earned and the amount spent in buying, operating, or producing something
Typically the higher the profit margin, the more than the value.
finances
the coin that an organization or person has
He refused to answer questions virtually his personal finances.
toll
an corporeality that has to exist paid or spent to buy or obtain something.
Since 2004 the building has been boarded up so that the price of refurbishing information technology hasincreased hugely.
discount
A reduction of the selling price of something or of the total cost of an invoice
I frequently enquire for discounts.
refund
a repayment of a sum of money, typically to a dissatisfied customer
I accept issued a refund in the amount of $14.95 back to your credit menu.
upkeep
the amount of coin a person or visitor has for something or a plan describing expenditure
Robert Rodriguez first film, El Mariachi, was famously produced for aupkeep of $7,000
offer
an amount of money that someone is set to pay for something
The creditors declined theoffer, preferring to realize the estate themselves.
deposit
a sum of money that yous pay immediately to prove that you volition buy something
Nodeposit is necessary and no payments need be made during the first year of the understanding .
Word Formation
Discussion
Lexical category
Instance
charge
substantive
Toll for delivery is included in the accuse for each sandwich
to charge
verb
You tin can accuse whatsoever rent you lot agree with the tenant
gratis of accuse
phrase
What's the best complimentary-of-accuse software for making an org nautical chart?
pay
noun
Their average bones pay is approximately 300 pounds per calendar month.
to pay
verb
People do pay for quality.
well-paid
adjective
Are astronauts well paid?
investments
substantive
My firm, GMD Partners, has 25% of our total investments in the financial services sector
to invest
verb
When you tin't go on savings in the form of money, you lot invest them in something that will produce value in the future.
wealth
noun
Walth is not the same matter as coin.
wealthy
verb
Not all Chinese Indonesians are wealthy, simply a fraction of them are.
to earn
verb
Indeed upward until recently the boilerplate English farmerearned £ 77 per week.
earnings
substantive
House prices are ascent faster than earnings.
save money
verb
Indeed up until recently the average English farmerearned £ 77 per week.
savings
noun
The majority of older people in Bulgaria are economically inactive, then they are dependent for economic survival on either family unit or on their ownsavings or pensions.
money saving
phrase
Non having a car is a huge money saving tip
turn a profit
noun
Typically the college the profit margin, the more the value.
to profit
verb
An exposure wouldprofit me indirectly to a considerable extent.
profitable
adjective
Udemy is a profitable business model
finances
noun
He refused to answer questions about his personal finances
finansial
verb
If you are looking for financial communication , offset off by talking to close friends or family members.
cost
noun
Since 2004 the building has been boarded up so that the cost of refurbishing it hasincreased hugely.
to cost
verb
A dwelling house computer volition cost you anywhere between $500 – $1000
cost-effective
adjective +
The near cost effective manner to ship books is actually by using a Print on Demand (POD) printer
it will cost you nothing
phrase
It will cost you zip simply information technology may bring positivity to someone else
budget
substantive
El Mariachi, was famously produced for a budge t of $vii,000.
to upkeep
verb
Exercise You need advice on dealing with debt and how to budget ?
offer
noun
The creditors declined theoffer , preferring to realize the manor themselves.
to offering
verb
We can offer assist and advice in the search for other posts
Collocations
reasonable
small
fixed
standard
total
annual
daily,
adjective +
charge
adjective +preposition+
charge
be willing to
look to
program to
seek to
verb+
invest
big
adept
greater
high
huge
record
substantial
low
pocket-sized
pocket-size
adjective+
turn a profit
bring (in)
earn
generate
brand
realize
reap
verb+
profit
big
easy
government
public
taxpayers'
describing word+
coin
/*end of template */
get out, take out
withdraw
lose
run out of
spend
waste product
invest
verb+
money
/*finish of template */
tuition
membership
school
entry
entrance
admission
cancellation
booking
+fee
fee
high
depression
boosted
extra
estimated
existent
annual
monthly
fixed
adjective+
price
comport
embrace
meet
pay
increment
button upward
bring down
cut
lower
reduce
keep downwards
estimate
calculate
verb+
price
an increase in cost
a reduction in cost
at no actress toll
cost of living
at a cost of $10
phrase
cost
acceptable
attractive
fair
favourable
reasonable
tempting
adjective+
offer
adequate
bonny
fair
favourable
reasonable
tempting
adjective+
offer
loftier
steep
low
deal
bonny
fair
reasonable
right
adjective+
price
expert
average
asking
purchase
retail
sale
selling
market
adjective+
price
consumer
article
food
house
land
property
share
electricity
energy
fuel
oil
adjective+
price
go for
quote sb
accuse
increase,
raise
cut
lower
verb+
toll
increase in
ascent in
a drop in price
a fall in price
a reduction in price
pay a heavy price (for something)
phrase
price
get upwards
rising
skyrocket
drop
autumn
become down
price+verb
price
go from … to …
range from … to …
start at
cost+verb
price
above-boilerplate
loftier
large
sufficient
average
adjective+
income
futurity
permanent
secure
regular
steady
annual
monthly
weekly
national
per capita
describing word+
income
family
household
gross
net
adjective+
income
have
receive
arn
generate,
heave
increase
verb+
income
monthly
weekly
loftier
low
poor
full
noun +
pay
vacation
maternity
overtime
sick
substantive +
pay
cheque
packet
slip
increase
ascension
cut
pay+noun
pay
negotiations
agreement
award
deal
offer
pay+noun
pay
a cut in pay
an increase in pay
a reduction in pay
noun+ in pay
pay
Useful resources
This topic on IELTS blogs
- ELTS Speaking Do: Money [ielts-bookish.com]
- IELTS Cue Card Sample: Describe something special that y'all saved money to buy [ielts-mentor.com]
Podcasts
- The coin paradox [npr.org]
- Paul Piff: Does money make you hateful? [npr.org]
Articles
- What is the best manner to make coin? [quora.com]
- What is the bihhest surprise well-nigh getting rich? [quora.com]
Videos
- Saving for tomorrow [TED TALKS]
- How to buy happiness [TED TALKS]
Downloads
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Source: https://thetesttaker.com/portfolio/p-item-money/
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