Unit 3 Achievement Test name ___________________

General Test
Part 1
Listen to the conversation. Then circle all the correct answers.

1. What will make it possible for Emma to move into an apartment?

a. She will have saved up a lot of money.
b. Her parents will contribute to the rent.
c. She has become financially independent.
d. She will share the rent with a roommate.

2. Why has Emma decided against an apartment downtown?

a. It would be too far from her work.
b. The rent for a downtown apartment is over her budget.
c. It is less expensive to rent an apartment that is farther away.
d. She is putting away money to buy a place of her own.

3. What are some things that will happen by the end of the year?
a. Charlotte will have finished her degree.
b. Emma and her family will have fixed up her old bedroom.
c. Charlotte will have moved in with Emma.
d. Emma will have gotten out of debt.

4. Why did Emma wait until now to tell her mother about her plans?
a. Emma only found out about the apartment last week.
b. Charlotte just confirmed her plans to come back and be Emma’s roommate.
c. Emma and Charlotte just finished creating their budget.
d. Emma just found out about her raise yesterday.

Level 1—Unit 3 Achievement Test 1

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Part 2
Complete each sentence with a word from the box. Not all of the words will be used.

assistance assists charitable charity contribution

donate pollute pollution volunteer

5. Some people give 10% of their income to a favorite or non-profit organization.

6. Would you like to make a to the fund for cancer research?

7. I decided to my car to an organization that helps sick children.

8. The students at this school at a food bank every Wednesday afternoon.

9. Doctors without Borders people who need help after catastrophic events.

10. is a serious threat to our forests and rivers.

Level 1—Unit 3 Achievement Test 2

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Part 3
Listen to the conversation. Then circle the correct answers.

11. Which statement provides the best summary of the conversation?

a. Ben and Jan want to increase their revenue.

b. Ben and Jan think their business can benefit from a connection to a charity.

c. Ben and Jan want to improve the public image of their company.

12. Why does Ben think his plan will encourage customers to buy their products?

a. It will make it easy for them to give to charity when they shop.

b. It will make customers think that the company is making a difference in the community.

c. It will make their company more popular with charities and non-profit organizations.

13. What kind of non-profit organization would be the best partner for Ben and Jan’s company?

a. an agency that helps protect the environment

b. an organization that will benefit the community

c. an organization focused on volunteer activities

Level 1—Unit 3 Achievement Test 3

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Part 4
Rewrite the sentences to express your regret.

Example: I ate the whole plate of cookies.

__I wish I hadn’t eaten the whole plate of cookies. / If only I hadn’t eaten the whole plate of cookies. __

14. I spent my whole paycheck on impulse buys.

15. I didn’t pay off my credit cards in full.

16. I wasn’t able to stick to my budget.

17. I signed up for that expensive cell phone plan.

18. I tried to repair my sports car myself.

Level 1—Unit 3 Achievement Test 4

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19. I didn’t save enough money to pay off my student loans.

Level 1—Unit 3 Achievement Test 5

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Part 5
Match the situations to the problems. Write the letter.

20. I bought a stationary bicycle, but I keep bumping into it when on my way to the kitchen.

21. There are so many different settings on my phone.

22. I’ve never used that typewriter you bought me. It’s been in the closet for five years now.

23. I shell out more than a hundred dollars each time my laptop breaks.

24. The bookcase is still in the box. There are just too many parts.

a. It just sits around collecting dust.

b. It costs too much to maintain.
c. It’s so hard to put together.
d. It takes up so much room.
e. It’s too hard to operate.

Level 1—Unit 3 Achievement Test 6

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Part 6
Complete the sentences using the future perfect tense of the words in parentheses.

Example: By tomorrow evening, Sarah __will have worked 60 hours without a day off.__ (work 60 hours without a
day off)

25. By next year, Bill (pay off credit cards)

26. Before Gina quits her job, she (put 30% of her salary
into a savings account)

27. By the time she graduates, Mari is confident that she

(create a realistic budget)

28. In the next month, Jun (receive a substantial raise)

Level 1—Unit 3 Achievement Test 7

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Part 7
Read the article. Then answer the questions. Circle the correct answers.

A Gift-Giver’s Guide

Issues to consider when you buy a gift

Most of you have probably experienced buyer’s remorse—the feeling of regret that comes from buying
something you didn’t really need or shouldn’t have bought. But what about buying a gift for someone else? Do
the people who receive your gifts experience a similar feeling? You know, the disappointment when you open up
a beautifully wrapped gift only to discover—oh, dear—it’s something you really don’t need or want. Here’s a gift-
buyer’s guide to help you avoid buying gifts you should not have bought and other people probably don’t want!

What is the real cost?

When choosing a gift, be mindful that the store price tag may not be the only cost. Some gifts require regular
service or care. They not only cost a lot to maintain, but sometimes, these gifts require a lot of time and attention.
Probably the worst surprise gift you can give is a pet. Do you really know if the person wants a pet, especially
one that requires a lot of care, like a puppy? When I was young, my uncle gave me a puppy and my parents
were furious! The food and medical bills for the puppy were astronomical, and she made a big mess all over the
house. It was my responsibility to walk and feed her, but my mother ended up with a lot more work. My uncle
meant well, but he probably should have considered a different gift.

Where will they put it?

Here’s something else to consider: size. Sure, my sister would love some fancy new kitchen equipment, but her
kitchen is the size of a closet. If I bought her an espresso coffee machine, where would she put it? She would
probably have to store it on the top shelf of a closet down the hall. I’ll bet she would never use it because it would
be too much trouble to get it out. When purchasing large or bulky items, think about where they are going to be
kept. Is there enough space for your gift?

How hard can it be?

Not everyone loves technology, so before buying that new gadget, think about the person who is going to use it.
Will the person need an engineering degree just to figure out how to operate it? I got my mother a smart phone
for her birthday last year. I set everything up for her, but she still had trouble understanding it. It was so
frustrating that she hardly ever used it. A few weeks later, I returned the smart phone and replaced it with a much
simpler one. If only I had thought about this before purchasing the fancy smart phone.

Another thing people hate when they receive a gift is reading “some assembly required” on the box. Who wants
a gift that is hard work? But sometimes there is no choice, especially with some furniture and equipment. So if
you do buy a gift that will have to be assembled, here are two rules of thumb to follow:
1) All tools required for assembly should be included.
2) The product should not come in more than six pieces.

Is it useful?
Finally, it’s important to consider how practical the gift is for the person receiving it. Let’s face it, it could be a
great product, but it’s only a great gift if it gets used. But by next year, will it have just been gathering dust on a
Level 1—Unit 3 Achievement Test 8
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 shelf or under a bed? A lot of products have gimmicks that look cool in the store but are not so great when you
get them home. Will anyone ever use that alarm clock that sings opera or an electric toothbrush that tells jokes?
Ask yourself if you would ever use it. If the answer is no, you probably shouldn’t have bought it.

29. Why should you consider costs before purchasing a gift?

a. Some people may be uncomfortable receiving an expensive gift.
b. Some items are expensive to maintain.
c. Some items lose their value very quickly.

30. Based on the second paragraph, which of the following statements is probably true?
a. The author really loved the puppy.
b. The author’s parents had a big argument with his uncle.
c. The author didn’t take as much responsibility for the pet as he should have.

31. Based on the third paragraph, which of the following statements is probably true?
a. The author bought his sister an espresso machine.
b. The author considered buying his sister an espresso machine.
c. The author’s sister didn’t really want an espresso machine.

32. Why are the author’s two rules of thumb good advice?
a. Assembly of these gifts will not be too complicated or difficult.
b. People won’t mind assembling the gifts if the rules for assembly are simple.
c. The rules are simple and easy to understand.

33. What does the author mean when he says “be mindful” of the store price tag when purchasing a gift?
a. be aware of future costs associated with the item
b. don’t worry how much the gift will cost you
c. check the price tag before you buy the item

Level 1—Unit 3 Achievement Test 9

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 Writing Test

Part 1
Describe a purchase you made that you later regretted. Write a five to six sentence paragraph
explaining why you regretted it and what you should have done instead.

Level 1—Unit 3 Achievement Test 10

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Part 2
What are your short-term and long-term financial goals? What do you hope to have accomplished
in the future? How and when will you achieve your goals? Refer to specific completion dates.
Write a five to six sentence paragraph and organize your ideas in the order of importance.

Level 1—Unit 3 Achievement Test 11

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 Speaking Test

Part 1
What factors are most important to you when you make a donation to or volunteer for a charity or
non-profit organization? Speak on this topic for two or three minutes and consider the following
questions in your response.

• What causes and issues are most important to you?

• Do you prefer to donate your time or money?

• Do you think your effort makes a difference?

Part 2
Your family member is living beyond his or her means. Create a conversation between you and
your family member. Give him or her some advice. Make suggestions for meeting financial goals.
Speak for two or three minutes.

Level 1—Unit 3 Achievement Test 12

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