The document discusses a woman named Heidemarie Schwermer who has lived without money for 10 years. She gave up her job and possessions and now barters services for necessities like housing and transportation. The text provides details about her experiment and lifestyle, as well as her views that people unnecessarily spend money and judge others based on financial status. It also notes increasing credit card debt as a problem in society.
The document discusses a woman named Heidemarie Schwermer who has lived without money for 10 years. She gave up her job and possessions and now barters services for necessities like housing and transportation. The text provides details about her experiment and lifestyle, as well as her views that people unnecessarily spend money and judge others based on financial status. It also notes increasing credit card debt as a problem in society.
The document discusses a woman named Heidemarie Schwermer who has lived without money for 10 years. She gave up her job and possessions and now barters services for necessities like housing and transportation. The text provides details about her experiment and lifestyle, as well as her views that people unnecessarily spend money and judge others based on financial status. It also notes increasing credit card debt as a problem in society.
The document discusses a woman named Heidemarie Schwermer who has lived without money for 10 years. She gave up her job and possessions and now barters services for necessities like housing and transportation. The text provides details about her experiment and lifestyle, as well as her views that people unnecessarily spend money and judge others based on financial status. It also notes increasing credit card debt as a problem in society.
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Part 1
Questions 1-8 Read the text carefully in each question. Choose the best answer A, B or C. For each question, mark the correct answer A, B or C.
Price of petrol (RM)
2.5 2 1.5 1 0.5 0 2016 2017 2018 2019
Price of petrol (RM)
1. From the graph, we can see that the price of petrol has been A. quite stable B. rising drastically C. increasing gradually
STICK NO BILL 2. According to the sign, you are not allowed to A. pay your bills here. B. stick anything on the wall. C. throw any sticks at the wall.
Dear dad, Uncle Jo called to speak with you this morning at 7.30 a.m., while you were out sending Alex to kindergarten. He called the house because you forgot to take your mobile phone. He sounded stressed. He wants you to call him back as soon as you come home. He said it was urgent. Love, Malik. 3. Malik leaves a message for his father to A. ask his father to return the call. B. explain that Uncle Jo is stressed. C. remind his father to bring the phone.
MINIMUM RM 100 FOR CREDIT CARDS PURCHASES
4. To use the credit card to pay, you need to A. buy items that cost RM 100. B. buy goods worth RM 100 and below. C. make purchases worth RM 100 and above. Suzy : Wow, you look beautiful! Gina : I am usually very careful with my money, but sometimes I splash out on a nice outfit. 5. From the conversation, we know that Gina A. love shopping and spending money. B. spend lavishly on attractive clothing. C. save up her money to buy the new uniform. LAUREL’S ART AND FRAMES For All Your Framing Needs 111, Dataran Wangsa Jaya, 53300 Setapak, Kuala Lumpur Monday to Friday 03-43562100 8.00 a.m. to 1.00 p.m. Arts and crafts Custom framing Glass cut to size for table top Printing name cards and stickers Mirrors made to order or ready made 6. You would visit this shop if you A. want a custom-made mirror. B. want your photograph taken. C. need to print invitation cards. Dear Leela, I am sorry to hear that your grandmother passed away so suddenly. I just heard the news from Sharon. Your grandmother looked so healthy and active. She used to keep herself busy in the garden every day. I have many fond memories of her. I know you loved her so much. Be strong! Aiman 7. Aiman wrote a note to A. show sympathy for the loss. B. offer condolences to Leela’s family. C. cherish the memories of Leela’s late grandmother.
Salina
Hi, Ali. I plan to go to Mykonos. I’ve surveyed few travel agencies. Any tips?
Ali
If you are not careful, the travel agents will rip you off. You can find cheaper holidays online.
8. Ali advises Salina to be careful because
A. The price is not worth what she pays for it. B. The place is dangerous for a woman to go. C. The travel agency might cheat by charging her too much money. [8 marks]
Part 2 Read the text below and answer questions 9 to 16. “My life without Money” Book Review Heidemarie Schwermer, a 63-year old German woman, has lived without money for the last ten years, and has written a book about her experiences called My Life without Money. At the age of 54, Heidemarie gave up her job as a psychotherapist, gave away all her money and her flat and threw away her credit cards. She did not have regular salary anymore. Today, apart from a few clothes (three sweaters, two skirts, two pairs of shoes, and a coat) and a few personal belongings, she does not have anything. Before the experience of her, she did not have any savings – a big or small amount of money that a person keeps for a while. It all began as a one-year experiment. In her home city of Dortmund, she set up a ‘swapping circle’ where people swap services without using money, for example a haircut for a mathematic class. She decided to try this lifestyle and give up using money for a year. When the year ended, she continued and has not used money since then. Before she started this lifestyle, she was not in debt, that is, she did not ask for any money from bank or somebody else. She stayed in her friends’ house and she fed their animals and watered their plants in return. At the moment she is staying in a student residence where she can sleep, have a shower, or use a computer in return for cooking for the young people who live there. Heidemarie says,” When I need a bus ticket, for example, I think – Who can I ask? What can I give to them in return? If I want to go to cinema, I might suggest them to look after for the afternoon or night”. According to her, one of the mistakes in our society is that most people spend money unnecessarily. They should decrease their spending on things they do not need. It is better to spend on these things less. She also said that many people judge us with our money and salary. Our budget, how much we earn and spend should be private for us. Today most people use credit cards and have problems with their interest rate. What is important is to earn and spend according to our standards. In her opinion too, all jobs are equally important. You may not earn a lot of money but you may be worth a lot as a person. Those are all her messages.
Questions 9-16
Complete the following table.
Choose no more than three words and/or a number from the text for each answer.
For each question, write your answer in the answer sheet provided at the end of the question paper.
Book Review: My Life Without Money
Name of the writer 9. _____________________________________
Previous job 10. _____________________________________ Hometown 11. _____________________________________ Duration of the experiment 12. _____________________________________ Name of swap service 13. _____________________________________ Current place of stay 14. _____________________________________ One of the mistakes in 15. _____________________________________ society Common problem in credit 16. _____________________________________ card usage [8 marks] Part 3 Read the text below and answer questions 17 to 24.
The Subway
In the summer of 1965, 17-year-old Fred DeLuca was trying to figure out how to pay for medical school. A family friend suggested that Fred open a sandwich shop and then the friend invested $1,000 to help it get started. Within a month, they opened their first sandwich shop. From that humble start, the Subway franchise chain grew with approximately 45,000 stores in more than 100 countries.
For more than 10 years, Subway advertisements feature Jared Fogle, a college student who was overweight but lost 245 pounds (about 111 kg) by only eating Subway's low-fat sandwiches. Jared says it was a fluke that he ended up in Subway's ads. Fogle first came to Media attention in April 1999, via an article written by a former dormmate about Fogle’s weight loss and published in Indiana Daily Student. According to the article, Fogle had become obese through lack of exercise and eating junk food. Switching to eating at Subway, he changed his eating habits there to include healthier choices and smaller portions free of fattening condiments such as mayonnaise, which was followed by his significant weight loss. Jared already knew he like Subway sandwiches, but the ‘7 under 6’ promotion inspired him to incorporate them into his diet. As soon as Jared’s ads began to run, word of his inspiring story spread and consumer awareness of subway and its healthy fare increased.
Subway's strategy at that time focused on its line of seven different sandwiches with under six grams of fat. The goal was to set Subway food apart from other fast food, position it to appeal to health-conscious eaters and spark new sales growth. Rapidly, sales grew more than 18 percent that year. The ads also attracted attention from potential franchises which saw in Subway a profitable small business opportunity. Subway tried to balance its menu and promotion to appeal to three segments: customers interested in low fat, those most concerned about taste, as well as those seeking a good value. Questions 17-24 Answer the questions below. Choose no more than five words and/or a number from the text for each answer. For each question, write your answer in the answer sheet provided at the end of the question paper.
17. Fred DeLuca opened ___________________ in order to have money for college. [1 mark]
18. After a modest start, Subway grew to become a world-wide ________________.
[1 mark]
19. When was the first Subway sandwich shop opened?
22. The writer said that Subway’s strategy was to offer different and better ________________. [1 mark]
23. Jared Fogle had struggled with weight problems because he ate a lot of ___________________ and did not exercise. [1 mark]
24. The writer mentioned that by changing his ___________________ at Subway, Fogle was able to lose a lot of weight and become much thinner. [1 mark] Part 4 Questions 25-30 You are going to read an article about a single mother who unexpectedly got a lot of money. Six sentences have been removed from the article. Choose from the sentences (A – H) to fit each gap (25 – 30). There are two extra sentences which you do not need to use. For each question, mark the correct answer (A – H).
Mum blows £130,000
A jobless British single mother has been charged with stealing a large amount of cash that was transferred to her bank account by mistake. With just £6.59 in the bank 20- 25.£10. year-old Sarah Jane Lee went to her local bank to withdraw : an extra £135,000 to be precise. She couldn’t believe her eyes when she saw her bank balance: £135,006.59! “When I realised how much money was in my account, I felt nervous and sick,” Sarah Jane said. “All it said on the statement was ‘account adjustment’ and 26. The next day I went to the bank and drew out £500. They should have said it was their money. I asked them what ‘account adjustment meant, but they couldn’t tell me. They 27. just asked me if I wanted to open a savings account with the money”. , blowing almost all of the money. She transferred money to friends and relatives and spent £10,000 on a trip to Disneyworld in Florida, a large-screen plasma television and 28. luxuries. other . When Sarah Jane found that her account at the Abbey bank was frozen she knew she was in trouble. “I walked into the bank, held my hands up and waited for 29. the coppers. . I felt totally humiliated,” Sara Jane said. In court Sarah Jane admitted she knew the money did not belong30. to her. “My mum told me that I shouldn’t spend any of it and tell the bank about it. I wish I had listened to her.”
A I didn’t touch the money for a day.
B Over the next few weeks she lived like a lottery winner. C She was very sad when she saw her bank statement. D It took the bank two weeks to realise its mistake. E Now she is facing a possible prison sentence. F I was arrested and searched in the middle of the bank. G She planned to return the money to the bank but it was already late. H To her astonishment she saw that rather more funds were available. [6 marks] Part 5 [20 marks] You are a new student in your school and your teacher has asked you to write an email to your classmates introducing yourself.
In your email, should include:
Your name and a little bit about you and your family Your interest and hobbies Your reason for joining the school
In about 80-100 words, write an email to your classmates, making sure to use appropriate language. To:……………………………………………………. Subject:………………………………………………
