TEACHING BUSINESS COLLOCATIONS TEODORA POPESCU

Size: px
Start display at page:

Download "TEACHING BUSINESS COLLOCATIONS TEODORA POPESCU"

Transcription

1 TEACHING BUSINESS COLLOCATIONS TEODORA POPESCU The importance of business lexis has long been a constant preoccupation of both teachers and learners of business English, starting with the late 1960 s and early 1970 s, when textbook writers designed courses that focused mainly on business-related words and terminology. Later approaches have nevertheless emphasised the need for creating textbooks that pay heed to other factors as well, such as training communication skills and functions, with a real-life orientation. The most important characteristics of the language of business English, as opposed to the language of general English, are a sense of purpose, an intercultural dimension and a need for clear, straightforward and concise communication. In order to achieve these broad objectives of business English learners, we have to find the best ways in which to teach business performance skills, such as socialising, telephoning, meetings, presentations, report writing, etc. In all these situations, a good knowledge of collocational patterns in English is of essential relevance. Collocations are words that typically occur in association with other words. By collocational competence we understand the ability to combine lexical (and grammatical) chunks in order to produce fluent, accurate, as well as semantically and stylistically appropriate utterances. The author of the widely influential Lexical Approach and Implementing the Lexical Approach, Michael Lewis, stated the following about the lexical approach:... the Lexical Approach places communication of meaning at the heart of language and language learning. This leads to an emphasis on the main carrier of meaning, vocabulary. The concept of a large vocabulary is extended from words to lexis, but the essential idea is that fluency is based on the acquisition of a large store of fixed and semi-fixed pre-fabricated items, which are available as the foundation for any linguistic novelty or creativity. (Lewis, 1997: 15) Widdowson himself, as back as 1989, also presented a lexical view of language:

2 164 Teaching Business Collocations... communicative competence is not a matter of knowing rules for the composition of sentences and being able to employ such rules to assemble expressions from scratch as and when occasion requires. It is much more of knowing a stock of partially pre-assembled patterns, formulaic frameworks, and a kit of rules, so to speak, and being able to apply the rules to make whatever adjustments are necessary according to contextual demands. (Widdowson, 1989: 135) The essential breakthrough of the lexical approach is that it underlines the inseparability of lexis and grammar, thus advocating an integrated approach, taking into consideration the generative power of grammatical words. The notion of colligation, in conjunction with collocation has emerged. By colligation we understand a typical grammatical patterning that a word may be found in. For example, we can say: it is astonishing/suprising/amazing, but we can only say It is not surprising that. The other two near synonyms only colligate with the affirmative. Teachers need to raise their students awareness as to the way in which different collocations (and colligations) are used in business contexts. In order to do that, we may design a task-based approach to teaching/learning vocabulary. We will present in the following some methods that can contribute to the development our business students mental lexicon. 1 Using concordancers 1 and lexical databases There are some useful online concordancers that can be used during an English class, set in a multimedia language laboratory, with Internet access, such as: the British National Corpus, available at: (the unsubscribed online version will only display a random selection of 50 hits); the Web Concordancer, available at: with some 27 corpora to choose from; or the Online BLC KWIC Concordancer Business Letter Corpus, available at: with a choice of 18 corpora. 1 a concordancer = a search engine for looking through a large body of texts, i.e. a corpus

3 Languages for Specific Purposes: Searching for Common Solutions 165 There also exist lexical databases, such as the Word.Net 3.0, provided by the Cognitive Science Laboratory, Princeton University, available at: which provides information about nouns, verbs, adjectives and adverbs, grouped into sets of cognitive synonyms, each expressing a distinct concept. Sample Task 1 1.a) Search for the word bank through different concordancers and fill in the table below with maximum 10 collocates under each column. Consult the WordNet database as well, in order to find supplementary lexical and semantic relations. vb. + bank bank + vb. (both [VN] and [V]) adj. + bank bank + noun 1.b) Use the collocates you found in sentences of your own. Translate them into your mother tongue. What differences can you notice in terms of grammar and semantic/discourse prosody? 1.c) Can you find any idiomatic expressions? 1.d) Is bank ever used as a verb? In what context and with what meaning? 1.e) Find examples where bank co-occurs with money. The first concordancer will return 1132 collocates (see Fig. 1), whereas the second only 222 (see Fig. 2). Students are advised to pay attention to the most frequent word partnerships and also to take into account the passive constructions (e.g. bank will be capitalised with $50 million, bank was put on inquiry, etc.). The information provided by the WordNet Search will add supplementary knowledge as to the other meanings of the word bank (see Fig. 3).

4 166 Teaching Business Collocations Fig. 1 Web Concordancer

5 Languages for Specific Purposes: Searching for Common Solutions 167 Fig. 2 Online BLC KWIC Concordancer

6 168 Teaching Business Collocations Fig. 3 Word Net Search 3.0

7 Languages for Specific Purposes: Searching for Common Solutions a Students work in pairs and a suggested answer is presented below. vb. + bank bank + vb. adj. + bank bank + noun back control rob run sell ask convince instruct show to talk to [VN] confirms cancellation /receipt [VN] stops payment [VN] refuses/returns a cheque [VN] offers a loan [VN] handles financing of [VN] advises on privatisation [V] collapsed central commercial cooperative investment leading merchant private savings state-run account balance charges cheques customers debt director guarantee reference statement Next, the students are asked to analyse some of the grammatical features of the collocations they found. Syntagmatic / paradigmatic relationships node verb DO bank confirms cancellation receipt of draft verb DO (node) to-infinitive clause object to accept a draft instruct a bank to open an account to pay an invoice ask a bank to extend an overdraft to hold a cheque verb DO prep. phrase (node) provide credit with a bank open a letter of credit with a bank an account open an account with a bank readjust

8 170 Teaching Business Collocations 1.b Some differences between Romanian and English are to be noted: Semantics Romanian translation back an organization that banc control run sell provides various financial services, for example keeping or lending money 2 rob building in which this banc ask convince instruct show to talk to business takes place people working for the bank a solicita b ncii/la banc a convinge pe dl/dna de la banc a îns rcina banca (s fac o plat ) a prezenta (o situa ie) la banc a vorbi la banc /cu cei de la banc 1.c Idioms break the bank = not break the bank (informal, humorous) if you say sth won t break the bank, you mean that it won t cost a lot of money, or more than you can afford: We can just get a sandwich if you want that won t break the bank. 3 1.d bank v. 147 [BLC2:23:05167] We bank with the local branch of the Barminster [V] ~ (with / at...) to have an account with a particular bank: The family had banked with Coutts for generations. 4 1.e money + bank verb node1 prepositional phrase (node2) borrow from bring money from a bank take to wire from pay money into a bank account deposit in withdraw money from a bank cash point 2 Oxford Advanced Genie CD-ROM 3 Oxford Advanced Genie CD-ROM 4 idem

9 Languages for Specific Purposes: Searching for Common Solutions Using business texts / creating own corpora and using dictionaries Different online business texts articles from the business press: The Economist, Financial Times, etc.; company web pages: etc. may be used in order to extract common collocations, which may be afterwards used to design meaningful tasks. Sample task 2 2.a) Match the words in the columns to form suitable collocations. e.g. 1.d) ample evidence 1 ample a) competition 5 attract a) debate 2 commercial b) investors 6 crimp b) funds 3 healthy c) funding 7 play c) growth 4 responsible d) evidence 8 stir d) role 2.b) Now fill in the gaps in the texts with the collocations you found. You may want to change their form (e.g. base form to -ing form): Commercialisation is changing microfinance and 1.. Some believe microlenders have no business making money from the poor. In many countries various rules, like interest-rate caps, have been put in place to 2. the industry s. This is despite 3. that where there is 4. in microlending, as in Bosnia and Peru, interest rates tend to drop substantially. Most experts in IFIs and elsewhere believe the for-profit sector must 5.. Microlenders that can 6. commercial deposits, loans, the capital markets have the potential to become self-sustaining, rather than relying on the charitable instincts of others. Socially 7. are already pouring in. And even the purely profit-minded have begun to open their wallets. According to a study of 200 microlenders by MIX, which collects data on the microfinance industry, 8. grew to $7.3 billion in 2005, from $4.9 billion two years before. (

10 172 Teaching Business Collocations Answer: 1 stirring debate 5 play a role 2 crimp... growth 6 attract... funds 3 ample evidence 7 responsible investors 4 healthy competition 8 commercial funding Sample task 3 3.a) Match the words in the two columns so as to form suitable collocations. e.g. 1.h) clearing bank clearing crossed bearer bank deferred dishonoured due legal mortgage portfolio promissory credit a) b) c) d) e) f) g) h) i) j) k) l) management interest date tender note loan vault bank worthiness cheque bill securities 3.b) Now match the collocations you found above with their corresponding definitions. 1 security (such as a bank note) that the issuer considers is legally owned and negotiable by the person who possesses it. 2 a room with thick walls and a strong door, which is used to store money or valuable things in safe conditions. 3 condition in which the payment of interest is postponed. 4 a British commercial bank which is a member of a bankers clearing house, through which cheques are cleared. 5 degree to which customers are certain to pay debts promptly, degree to which they are worthy of being allowed credit. 6 one which the drawee (the debtor on whom it is drawn) has refused to accept, or which the acceptor (the person who has agreed to pay it) fails to pay when it is due. 7 a document which contains a promise to pay a stated amount of money to a stated person either on a fixed date or when the money is demanded.

11 Languages for Specific Purposes: Searching for Common Solutions one with two parallel lines drawn across it, usu. by the drawer or his agent, e.g. his bank. This practice lessens the risk of loss by dishonesty. 9 the date on which some debt, such as an interest payment or a bill of exchange becomes due to be paid. 10 the administration of a collection of company shares and other investments that are owned by a particular person or organization. 11 the form of money in which a person has a right by law to pay a debt, and which the creditor must by law accept in settlement of the debt. 12 a loan to finance the purchase of real estate, usually with specified payment periods and interest rates. The borrower (mortgagor) gives the lender (mortgagee) a lien on the property as collateral for the loan. The mortgagor s lien on the property expires when the mortgage is paid off in full. (Toma, M. and Popescu, T., 2004: 107) Answer: bearer securities bank vault deferred interest clearing bank credit worthiness dishonoured bill promissory note crossed cheque due date portfolio management legal tender mortgage loan Starting from the explanations given by an online dictionary, one could create a word-formation exercise. The example below was created using the information provided by the Cambridge Advanced Learners Dictionary (the online version, see Fig. 4 below).

12 174 Teaching Business Collocations Fig. 4 On-Line Cambridge Advanced Learners Dictionary Sample task 4 Fill in the gaps with the corresponding forms of the word bank. 1 High street have been accused of exploiting small firms. 2 She is currently Hollywood s most actress. 3 His as a pop star decreased as he got older. 4 She was a successful by the time she was forty. 5 The company was forced into. 6 The intricacies of international remained a mystery to him. 7 Do you think she ll come? I wouldn t on it. 8 She was commissioned to work on a joint program by the U.S. space agency. 9 The recession has led to many small businesses going. (Toma, M. and Popescu, T., 2004: 108)

13 Languages for Specific Purposes: Searching for Common Solutions 175 Answer: 1 High street banks have been accused of exploiting small firms. 2 She is currently Hollywood s most bankable actress. 3 His bankability as a pop star decreased as he got older. 4 She was a successful banker by the time she was forty. 5 The company was forced into bankruptcy. 6 The intricacies of international banking remained a mystery to him. 7 Do you think she ll come? I wouldn't bank on it. 8 She was commissioned to work on a joint program bankrolled by the U.S. space agency. 9 The recession has led to many small businesses going bankrupt. The above tasks serve as a modest model for materials designers, and we want to underline that the list of examples may continue, and each teacher is called upon to design his/her own vocabulary tasks and activities, and to adapt different lexical-approach methods to the specific needs and individual proficiency level of his/her students. What we should always bear in mind is the necessity to design real-life, authentic tasks, which will eventually enhance our business students mental lexicon, as well as improve their communicative performance in an English-speaking environment. References Brown, D. (1974) Advanced Vocabulary Teaching: The Problem of Collocation. In RELC Journal, Vol. 5, No. 2, Firth, J. R. (1957) A Synopsis of Linguistic Theory, In Palmer, F.R. (ed), (1968) Selected Papers of J.R. Firth London/Harlow: Longman. Greenbaum, S. and Quirk, R. (2004) A Student s Grammar of the English Language. Harlow: Longman. Kjellmer, G. (1987) Aspects of English Collocations. In Meijs, W. (ed) Corpus Linguistics and Beyond. Amsterdam: Rodopi. Lewis, M. (1993) The Lexical Approach. Hove: Language Teaching Publications.. (1997) Implementing the Lexical Approach. Hove: Language Teaching Publications. Lewis, M. & Hill, J. (1998) What is Collocation? Hove: Language Teaching Publications.

14 176 Teaching Business Collocations Lewis, Morgan. (2000) There s Nothing as Practical as a Good Theory. In Lewis, M. (ed) Teaching Collocations. Hove: Language Teaching Publications. Nattinger, J. (1988) Some Current Trends in Vocabulary. In Carter, R. & McCarthy, M. (1988) Vocabulary and Language Teaching. London/New York: Longman. Oxford Advanced Genie CD-ROM. (2003) Oxford University Press. Popescu-Furnea, T. and Toma, M. (2003) Business Collocations. English- Romanian Dictionary. Cluj-Napoca: Casa C r ii de S iint. Toma, M. and Popescu-Furnea, T. (2004) Reading and Vocabulary for Business Students. Part II. Cluj-Napoca: Casa C r ii de S iint. Sinclair, J. (1991) Corpus, Concordance, Collocation. Oxford: Oxford University Press. Widdowson, H. G. (1989) Knowledge of Language and Ability for Use. In Applied Linguistics, Vol. 10, No.2,

Teaching terms: a corpus-based approach to terminology in ESP classes

Teaching terms: a corpus-based approach to terminology in ESP classes Teaching terms: a corpus-based approach to terminology in ESP classes Maria João Cotter Lisbon School of Accountancy and Administration (ISCAL) (Portugal) Abstract This paper will build up on corpus linguistic

More information

Learning English with breakthewall.alberta.ca Living in Alberta. Understanding Payday Loans

Learning English with breakthewall.alberta.ca Living in Alberta. Understanding Payday Loans Learning English with breakthewall.alberta.ca Living in Alberta Understanding Payday Loans by Maroro Zinyemba Project Manager: Justine Light Daylight Consulting Inc. Integration Enhancement Topic: Budgeting

More information

COLLOCATIONS IN ENGLISH

COLLOCATIONS IN ENGLISH COLLOCATIONS IN ENGLISH Assoc.Prof. Marioara PATEŞAN, PhD Nicolae Bălcescu Land Forces Academy, Sibiu No noticing, no acquisition. (Thornbury, 1997) Abstract When learning English words, it is useful to

More information

UNIVERSITÀ DEGLI STUDI DELL AQUILA CENTRO LINGUISTICO DI ATENEO

UNIVERSITÀ DEGLI STUDI DELL AQUILA CENTRO LINGUISTICO DI ATENEO TESTING DI LINGUA INGLESE: PROGRAMMA DI TUTTI I LIVELLI - a.a. 2010/2011 Collaboratori e Esperti Linguistici di Lingua Inglese: Dott.ssa Fatima Bassi e-mail: fatimacarla.bassi@fastwebnet.it Dott.ssa Liliana

More information

Beyond single words: the most frequent collocations in spoken English

Beyond single words: the most frequent collocations in spoken English Beyond single words: the most frequent collocations in spoken English Dongkwang Shin and Paul Nation This study presents a list of the highest frequency collocations of spoken English based on carefully

More information

Some Reflections on the Making of the Progressive English Collocations Dictionary

Some Reflections on the Making of the Progressive English Collocations Dictionary 43 Some Reflections on the Making of the Progressive English Collocations Dictionary TSUKAMOTO Michihisa Faculty of International Communication, Aichi University E-mail: tukamoto@vega.aichi-u.ac.jp 1939

More information

Syllabus: a list of items to be covered in a course / a set of headings. Language syllabus: language elements and linguistic or behavioral skills

Syllabus: a list of items to be covered in a course / a set of headings. Language syllabus: language elements and linguistic or behavioral skills Lexical Content and Organisation of a Language Course Syllabus: a list of items to be covered in a course / a set of headings Language syllabus: language elements and linguistic or behavioral skills Who

More information

EFL Learners Synonymous Errors: A Case Study of Glad and Happy

EFL Learners Synonymous Errors: A Case Study of Glad and Happy ISSN 1798-4769 Journal of Language Teaching and Research, Vol. 1, No. 1, pp. 1-7, January 2010 Manufactured in Finland. doi:10.4304/jltr.1.1.1-7 EFL Learners Synonymous Errors: A Case Study of Glad and

More information

18 Sources of Short-term Finance

18 Sources of Short-term Finance 18 Sources of Short-term Finance 18.1 Introduction In the previous lesson you have learnt about the various types of financial needs. The need for finance may be for long-term, medium-term or for short-term.

More information

The Oxford Learner s Dictionary of Academic English

The Oxford Learner s Dictionary of Academic English ISEJ Advertorial The Oxford Learner s Dictionary of Academic English Oxford University Press The Oxford Learner s Dictionary of Academic English (OLDAE) is a brand new learner s dictionary aimed at students

More information

DEFINING EFFECTIVENESS FOR BUSINESS AND COMPUTER ENGLISH ELECTRONIC RESOURCES

DEFINING EFFECTIVENESS FOR BUSINESS AND COMPUTER ENGLISH ELECTRONIC RESOURCES Teaching English with Technology, vol. 3, no. 1, pp. 3-12, http://www.iatefl.org.pl/call/callnl.htm 3 DEFINING EFFECTIVENESS FOR BUSINESS AND COMPUTER ENGLISH ELECTRONIC RESOURCES by Alejandro Curado University

More information

Discourse Markers in English Writing

Discourse Markers in English Writing Discourse Markers in English Writing Li FENG Abstract Many devices, such as reference, substitution, ellipsis, and discourse marker, contribute to a discourse s cohesion and coherence. This paper focuses

More information

Register Differences between Prefabs in Native and EFL English

Register Differences between Prefabs in Native and EFL English Register Differences between Prefabs in Native and EFL English MARIA WIKTORSSON 1 Introduction In the later stages of EFL (English as a Foreign Language) learning, and foreign language learning in general,

More information

Teaching Vocabulary to Young Learners (Linse, 2005, pp. 120-134)

Teaching Vocabulary to Young Learners (Linse, 2005, pp. 120-134) Teaching Vocabulary to Young Learners (Linse, 2005, pp. 120-134) Very young children learn vocabulary items related to the different concepts they are learning. When children learn numbers or colors in

More information

To download the script for the listening go to: http://www.teachingenglish.org.uk/sites/teacheng/files/learning-stylesaudioscript.

To download the script for the listening go to: http://www.teachingenglish.org.uk/sites/teacheng/files/learning-stylesaudioscript. Learning styles Topic: Idioms Aims: - To apply listening skills to an audio extract of non-native speakers - To raise awareness of personal learning styles - To provide concrete learning aids to enable

More information

Refinance your business debt

Refinance your business debt Refinance your business debt For many small businesses the initial financing arrangements put in place at start up are still in place many years later. For example, a company starts off with a simple overdraft

More information

Read the questions out to your students and get them to write or call out the answers.

Read the questions out to your students and get them to write or call out the answers. Worksheet 1 Money Quiz Read the questions out to your students and get them to write or call out the answers. What is the name of money you borrow from the bank? Credit / loan What is the currency of Great

More information

BILL OF EXCHANGE: Definition: According to sec, 5 of Negotiable instrument act.

BILL OF EXCHANGE: Definition: According to sec, 5 of Negotiable instrument act. BILL OF EXCHANGE: Definition: According to sec, 5 of Negotiable instrument act. A bill of exchange is a document in writing containing an unconditional order, signed by the maker, directing a certain person

More information

Supporting Collocation Learning

Supporting Collocation Learning Department of Computer Science Hamilton, New Zealand Supporting Collocation Learning by Shaoqun Wu This thesis is submitted in partial fulfilment of the requirements for the degree of Doctor of Philosophy

More information

DEBTOR FINANCE: Bank Overdraft VS Debtor Finance

DEBTOR FINANCE: Bank Overdraft VS Debtor Finance DEBTOR FINANCE: Bank Overdraft VS Debtor Finance A Bank overdraft and Debtor Finance are both forms of short term finance When you have a cash flow problem there are a few options available to you, those

More information

Learning English with CBC Radio Living in Alberta. First Time Home Buyers: Mortgage Fraud

Learning English with CBC Radio Living in Alberta. First Time Home Buyers: Mortgage Fraud Learning English with CBC Radio Living in Alberta First Time Home Buyers: Mortgage Fraud by Maroro Zinyemba Project Manager: Justine Light Daylight Consulting Inc. Integration Enhancement Topic: First

More information

Consumer lending. terms and conditions

Consumer lending. terms and conditions Consumer lending terms and conditions 1 Important information Who we are Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981. In this document, the Bank, we, us and our

More information

Loans and Advances. 35.1 Introduction. 35.2 Objectives

Loans and Advances. 35.1 Introduction. 35.2 Objectives 35 Loans and Advances 35.1 Introduction In the previous lesson you have learnt the meaning and types of depositaccounts including the procedure of opening and operating bank accounts. We have seen that

More information

Reading Listening and speaking Writing. Reading Listening and speaking Writing. Grammar in context: present Identifying the relevance of

Reading Listening and speaking Writing. Reading Listening and speaking Writing. Grammar in context: present Identifying the relevance of Acknowledgements Page 3 Introduction Page 8 Academic orientation Page 10 Setting study goals in academic English Focusing on academic study Reading and writing in academic English Attending lectures Studying

More information

ICAME Journal No. 24. Reviews

ICAME Journal No. 24. Reviews ICAME Journal No. 24 Reviews Collins COBUILD Grammar Patterns 2: Nouns and Adjectives, edited by Gill Francis, Susan Hunston, andelizabeth Manning, withjohn Sinclair as the founding editor-in-chief of

More information

Major Sources of Financing Solutions to Chapter Review Questions

Major Sources of Financing Solutions to Chapter Review Questions Chapter 2: Major Sources of Financing Solutions to Chapter Review Questions 1. Debt finance available in Australia: Trade Credit Bank Overdraft Trade Bills Promissory Notes Commercial Bills Inter-Company

More information

Vocabulary notebooks: implementation and outcomes

Vocabulary notebooks: implementation and outcomes Vocabulary notebooks: implementation and outcomes Clyde Fowle With the recent focus in applied linguistics on lexical competence, and the impact this has had on language teaching, many language teachers

More information

Ask your teacher about any which you aren t sure of, especially any differences.

Ask your teacher about any which you aren t sure of, especially any differences. Punctuation in Academic Writing Academic punctuation presentation/ Defining your terms practice Choose one of the things below and work together to describe its form and uses in as much detail as possible,

More information

LECTURE No.9 INSTRUMENTS OF PAYMENT

LECTURE No.9 INSTRUMENTS OF PAYMENT LECTURE No.9 INSTRUMENTS OF PAYMENT Cash and cash instruments The cashier s work consists in receiving cash and cash instruments such as cheques and other instruments ( documents of title to cash ) in

More information

NAME: DATE: Business: Financial Services, Credit and Borrowing. Business. Financial Services, Credit and Borrowing

NAME: DATE: Business: Financial Services, Credit and Borrowing. Business. Financial Services, Credit and Borrowing Business Financial Services, Credit and Borrowing It is not necessary to carry out all the activities contained in this unit. Please see Teachers Notes for explanations, additional activities, and tips

More information

Level 4 Certificate in English for Business

Level 4 Certificate in English for Business Level 4 Certificate in English for Business LCCI International Qualifications Syllabus Effective from January 2006 For further information contact us: Tel. +44 (0) 8707 202909 Email. enquiries@ediplc.com

More information

Developing an Academic Essay

Developing an Academic Essay 2 9 In Chapter 1: Writing an academic essay, you were introduced to the concepts of essay prompt, thesis statement and outline. In this chapter, using these concepts and looking at examples, you will obtain

More information

Business Activities Definitions

Business Activities Definitions Business Activities s Mortgage First mortgage brokering Second mortgage brokering First mortgage lending Second mortgage lending First mortgage servicing Third party first mortgage servicing Subordinate

More information

INVESTIGATING DISCOURSE MARKERS IN PEDAGOGICAL SETTINGS:

INVESTIGATING DISCOURSE MARKERS IN PEDAGOGICAL SETTINGS: ARECLS, 2011, Vol.8, 95-108. INVESTIGATING DISCOURSE MARKERS IN PEDAGOGICAL SETTINGS: A LITERATURE REVIEW SHANRU YANG Abstract This article discusses previous studies on discourse markers and raises research

More information

3-01 SUBORDINATED GROUND LEASES GROUND LEASES AND LAND ACQUISITION CONTRACTS

3-01 SUBORDINATED GROUND LEASES GROUND LEASES AND LAND ACQUISITION CONTRACTS -- By Emanuel B. Halper 3.01 What s a Subordinated Ground Lease? One reason why ground leases are interesting is that they differ so much from each other. A ground lease clause that is perfectly reasonable

More information

A discourse approach to teaching modal verbs of deduction. Michael Howard, London Metropolitan University. Background

A discourse approach to teaching modal verbs of deduction. Michael Howard, London Metropolitan University. Background A discourse approach to teaching modal verbs of deduction Michael Howard, London Metropolitan University Background Despite the current emphasis on Communicative Language Teaching, many recently published

More information

Shares Mutual funds Structured bonds Bonds Cash money, deposits

Shares Mutual funds Structured bonds Bonds Cash money, deposits FINANCIAL INSTRUMENTS AND RELATED RISKS This description of investment risks is intended for you. The professionals of AB bank Finasta have strived to understandably introduce you the main financial instruments

More information

The place of translation in Language Teaching. Radmila Popovic

The place of translation in Language Teaching. Radmila Popovic The place of translation in Language Teaching Radmila Popovic For a long time the pivotal point of foreign language teaching, translation has been banned from the language classroom for quite a while.

More information

Oxford Dictionary of Current Idiomatic English

Oxford Dictionary of Current Idiomatic English Oxford Dictionary of Current Idiomatic English The most comprehensive and detailed survey available of this very important area of English, and an ideal complement to any general English dictionary. ALREADY

More information

Comparative Analysis on the Armenian and Korean Languages

Comparative Analysis on the Armenian and Korean Languages Comparative Analysis on the Armenian and Korean Languages Syuzanna Mejlumyan Yerevan State Linguistic University Abstract It has been five years since the Korean language has been taught at Yerevan State

More information

stress, intonation and pauses and pronounce English sounds correctly. (b) To speak accurately to the listener(s) about one s thoughts and feelings,

stress, intonation and pauses and pronounce English sounds correctly. (b) To speak accurately to the listener(s) about one s thoughts and feelings, Section 9 Foreign Languages I. OVERALL OBJECTIVE To develop students basic communication abilities such as listening, speaking, reading and writing, deepening their understanding of language and culture

More information

Canada Deposit Insurance Corporation (CDIC) a federal government organization that provides insurance to protect money deposited in Canadian banks

Canada Deposit Insurance Corporation (CDIC) a federal government organization that provides insurance to protect money deposited in Canadian banks Glossary Following are definitions for key words as they are used in the financial life skills resource. They may have different or additional meanings in other contexts. A account an arrangement at a

More information

Teaching English as a Foreign Language (TEFL) Certificate Programs

Teaching English as a Foreign Language (TEFL) Certificate Programs Teaching English as a Foreign Language (TEFL) Certificate Programs Our TEFL offerings include one 27-unit professional certificate program and four shorter 12-unit certificates: TEFL Professional Certificate

More information

ONLINE ENGLISH LANGUAGE RESOURCES

ONLINE ENGLISH LANGUAGE RESOURCES ONLINE ENGLISH LANGUAGE RESOURCES Developed and updated by C. Samuel for students taking courses at the English and French Language Centre, Faculty of Arts (Links live as at November 2, 2009) Dictionaries

More information

GENERAL TIPS FOR BUYING/SELLING A HOME Office of the Staff Judge Advocate, MacDill Air Force Base, Florida (813) 828-4422

GENERAL TIPS FOR BUYING/SELLING A HOME Office of the Staff Judge Advocate, MacDill Air Force Base, Florida (813) 828-4422 GENERAL TIPS FOR BUYING/SELLING A HOME Office of the Staff Judge Advocate, MacDill Air Force Base, Florida (813) 828-4422 TYPES OF HOMES Buying a house will be one of the biggest investments one will ever

More information

Grammarin Use. Practice makes perfect. www.cambridge.org/elt /inuse. Includes sample units from both levels

Grammarin Use. Practice makes perfect. www.cambridge.org/elt /inuse. Includes sample units from both levels Grammarin Use Practice makes perfect Includes sample units from both levels www.cambridge.org/elt /inuse This highly successful grammar range for students of North American English is well known for its

More information

PICAI Italian Language Courses for Adults 6865, Christophe-Colomb, Montreal, Quebec Tel: 514-271 5590 Fax: 514 271 5593 Email: picai@axess.

PICAI Italian Language Courses for Adults 6865, Christophe-Colomb, Montreal, Quebec Tel: 514-271 5590 Fax: 514 271 5593 Email: picai@axess. PICAI Italian Language Courses for Adults 6865, Christophe-Colomb, Montreal, Quebec Tel: 514-271 5590 Fax: 514 271 5593 Email: picai@axess.com School Year 2013/2014 September April (24 lessons; 3hours/lesson

More information

lesson six banking services supplemental materials 04/09

lesson six banking services supplemental materials 04/09 lesson six banking services supplemental materials 04/09 banking terms account Money deposited with a financial institution for investment and/or safekeeping purposes. assets Items of monetary value (e.g.,

More information

The Complete Guide to Freight Invoice Factoring Everything you need to know to get your cash flowing. A White Paper by Concept Financial Group

The Complete Guide to Freight Invoice Factoring Everything you need to know to get your cash flowing. A White Paper by Concept Financial Group The Complete Guide to Freight Invoice Factoring Everything you need to know to get your cash flowing A White Paper by Concept Financial Group What is Factoring? Factoring FAQs According to the Business

More information

Compound Sentences and Coordination

Compound Sentences and Coordination Compound Sentences and Coordination Mary Westervelt Reference: Ann Hogue (2003) The Essentials of English: A Writer s Handbook. New York, Pearson Education, Inc. When two sentences are combined in a way

More information

An Overview of Applied Linguistics

An Overview of Applied Linguistics An Overview of Applied Linguistics Edited by: Norbert Schmitt Abeer Alharbi What is Linguistics? It is a scientific study of a language It s goal is To describe the varieties of languages and explain the

More information

Learning English with CBC Radio Living in Alberta. Understanding Credit Cards

Learning English with CBC Radio Living in Alberta. Understanding Credit Cards Learning English with CBC Radio Living in Alberta Understanding Credit Cards by Maroro Zinyemba Project Manager: Justine Light Daylight Consulting Inc. Integration Enhancement Topic: Budgeting Basics Lesson:

More information

Syntactic and Semantic Differences between Nominal Relative Clauses and Dependent wh-interrogative Clauses

Syntactic and Semantic Differences between Nominal Relative Clauses and Dependent wh-interrogative Clauses Theory and Practice in English Studies 3 (2005): Proceedings from the Eighth Conference of British, American and Canadian Studies. Brno: Masarykova univerzita Syntactic and Semantic Differences between

More information

account statement a record of transactions in an account at a financial institution, usually provided each month

account statement a record of transactions in an account at a financial institution, usually provided each month GLOSSARY GLOSSARY Following are definitions for key words as they are used in the financial life skills resource. They may have different or additional meanings in other contexts. A account an arrangement

More information

CORPORATE ACCOUNT. ...we make the difference

CORPORATE ACCOUNT. ...we make the difference CORPORATE ACCOUNT CORPORATE ACCOUNT GUIDE TO OPENING YOUR ACCOUNT Please complete all the relevant portions of the Application Form and Account Opening mandate and return the package along with the following

More information

Financial Market Instruments

Financial Market Instruments appendix to chapter 2 Financial Market Instruments Here we examine the securities (instruments) traded in financial markets. We first focus on the instruments traded in the money market and then turn to

More information

LESSON THIRTEEN STRUCTURAL AMBIGUITY. Structural ambiguity is also referred to as syntactic ambiguity or grammatical ambiguity.

LESSON THIRTEEN STRUCTURAL AMBIGUITY. Structural ambiguity is also referred to as syntactic ambiguity or grammatical ambiguity. LESSON THIRTEEN STRUCTURAL AMBIGUITY Structural ambiguity is also referred to as syntactic ambiguity or grammatical ambiguity. Structural or syntactic ambiguity, occurs when a phrase, clause or sentence

More information

TYPES OF NEGOTIABLE INSTRUMENTS

TYPES OF NEGOTIABLE INSTRUMENTS TYPES OF NEGOTIABLE INSTRUMENTS Draft: An unconditional order to pay by which the party creating the draft (the drawer) orders another party (the drawee), typically a bank, to pay money to a third party

More information

Reference Books. (1) English-English Dictionaries. Fiona Ross FindYourFeet.de

Reference Books. (1) English-English Dictionaries. Fiona Ross FindYourFeet.de Reference Books This handout originated many years ago in response to requests from students, most of them at Konstanz University. Students from many different departments asked me for advice on dictionaries,

More information

Albert Pye and Ravensmere Schools Grammar Curriculum

Albert Pye and Ravensmere Schools Grammar Curriculum Albert Pye and Ravensmere Schools Grammar Curriculum Introduction The aim of our schools own grammar curriculum is to ensure that all relevant grammar content is introduced within the primary years in

More information

A security deed is an absolute conveyance of title to land from borrower to lender that includes the following provisions:

A security deed is an absolute conveyance of title to land from borrower to lender that includes the following provisions: Chapter 39 The Security Deed and the Promissory Note SECURITY DEEDS A security deed (also known as a deed to secure debt, loan deed, or warranty deed to secure debt) is the most common form of securing

More information

English Phrasal Verbs

English Phrasal Verbs English Phrasal Verbs 70 units of vocabulary reference and practice Self-study and classroom use Michael McCarthy Felicity O'Dell PUBLISHED BY THE PRESS SYNDICATE OF THE UNIVERSITY OF CAMBRIDGE The Pitt

More information

Financial Literacy and ESOL

Financial Literacy and ESOL Financial Literacy and ESOL Financial Literacy and ESOL There are more and more resources available for delivering LLN in the context of finance but most of them are focused on working with learners whose

More information

Rethinking the relationship between transitive and intransitive verbs

Rethinking the relationship between transitive and intransitive verbs Rethinking the relationship between transitive and intransitive verbs Students with whom I have studied grammar will remember my frustration at the idea that linking verbs can be intransitive. Nonsense!

More information

Cohesive writing 1. Conjunction: linking words What is cohesive writing?

Cohesive writing 1. Conjunction: linking words What is cohesive writing? Cohesive writing 1. Conjunction: linking words What is cohesive writing? Cohesive writing is writing which holds together well. It is easy to follow because it uses language effectively to guide the reader.

More information

COLLOCATION TOOLS FOR L2 WRITERS 1

COLLOCATION TOOLS FOR L2 WRITERS 1 COLLOCATION TOOLS FOR L2 WRITERS 1 An Evaluation of Collocation Tools for Second Language Writers Ulugbek Nurmukhamedov Northern Arizona University COLLOCATION TOOLS FOR L2 WRITERS 2 Abstract Second language

More information

Listening Student Learning Outcomes

Listening Student Learning Outcomes Listening Student Learning Outcomes Goals for Learning Has sufficient vocabulary to comprehend an unsimplified academic lecture Can paraphrase academic discourse effectively in writing and discussion from

More information

Get Ready for IELTS Writing. About Get Ready for IELTS Writing. Part 1: Language development. Part 2: Skills development. Part 3: Exam practice

Get Ready for IELTS Writing. About Get Ready for IELTS Writing. Part 1: Language development. Part 2: Skills development. Part 3: Exam practice About Collins Get Ready for IELTS series has been designed to help learners at a pre-intermediate level (equivalent to band 3 or 4) to acquire the skills they need to achieve a higher score. It is easy

More information

The structure of the English Sentence

The structure of the English Sentence The structure of the English Sentence In this first part of the grammar you are going to review the most common structures in English. In addition, you will study some structures that differ from the normal

More information

It Is In Your Interest

It Is In Your Interest STUDENT MODULE 7.2 BORROWING MONEY PAGE 1 Standard 7: The student will identify the procedures and analyze the responsibilities of borrowing money. It Is In Your Interest Jason did not understand how it

More information

About Credit. Financial Literacy

About Credit. Financial Literacy About Credit Financial Literacy What is Credit? Credit is the ability to borrow money with a promise of future payment. Why borrow? Goals - car, appliances, furniture, etc Home Education Health Plan your

More information

English. Universidad Virtual. Curso de sensibilización a la PAEP (Prueba de Admisión a Estudios de Posgrado) Parts of Speech. Nouns.

English. Universidad Virtual. Curso de sensibilización a la PAEP (Prueba de Admisión a Estudios de Posgrado) Parts of Speech. Nouns. English Parts of speech Parts of Speech There are eight parts of speech. Here are some of their highlights. Nouns Pronouns Adjectives Articles Verbs Adverbs Prepositions Conjunctions Click on any of the

More information

Investigating the usefulness of lexical phrases in contemporary coursebooks

Investigating the usefulness of lexical phrases in contemporary coursebooks Investigating the usefulness of lexical phrases in contemporary coursebooks Over the past decade, lexical theory, corpus statistics, and psycholinguistic research have pointed to the pedagogical value

More information

THE UNIVERSITY OF BIRMINGHAM. English Language & Applied Linguistics SECOND TERM ESSAY

THE UNIVERSITY OF BIRMINGHAM. English Language & Applied Linguistics SECOND TERM ESSAY THE UNIVERSITY OF BIRMINGHAM English Language & Applied Linguistics SECOND TERM ESSAY Student Number: 1277536 MA - TEFL/TESL 2012/2013 Title of option(s) for which work is being submitted: Business English

More information

Correlation: ELLIS. English language Learning and Instruction System. and the TOEFL. Test Of English as a Foreign Language

Correlation: ELLIS. English language Learning and Instruction System. and the TOEFL. Test Of English as a Foreign Language Correlation: English language Learning and Instruction System and the TOEFL Test Of English as a Foreign Language Structure (Grammar) A major aspect of the ability to succeed on the TOEFL examination is

More information

Useful classroom language for Elementary students. (Fluorescent) light

Useful classroom language for Elementary students. (Fluorescent) light Useful classroom language for Elementary students Classroom objects it is useful to know the words for Stationery Board pens (= board markers) Rubber (= eraser) Automatic pencil Lever arch file Sellotape

More information

Advanced Grammar in Use

Advanced Grammar in Use Advanced Grammar in Use A reference and practice book for advanced learners of English Third Edition without answers c a m b r i d g e u n i v e r s i t y p r e s s Cambridge, New York, Melbourne, Madrid,

More information

Chapter Objectives. Chapter 6. Short Term Credit Management. Major Topics. Reasons for Using Credit. How to Get Credit. Disadvantages of Using Credit

Chapter Objectives. Chapter 6. Short Term Credit Management. Major Topics. Reasons for Using Credit. How to Get Credit. Disadvantages of Using Credit Chapter Objectives Chapter 6. Short Term Credit Management To evaluate reasons for and against using credit and decide whether or not credit is appropriate for you. To be able to take the necessary steps

More information

SHOPPING FOR A MORTGAGE

SHOPPING FOR A MORTGAGE SHOPPING FOR A MORTGAGE The Traditional Fixed-Rate Mortgage Key characteristics: Level payments, fixed interest rate, fixed term. This mortgage is the one which most of us know, and it is still the loan

More information

Bad Cheques YOUR ACCOUNTS AND SERVICES. Bad Cheques. A consumer education programme by:

Bad Cheques YOUR ACCOUNTS AND SERVICES. Bad Cheques. A consumer education programme by: Bad Cheques YOUR ACCOUNTS AND SERVICES Bad Cheques A consumer education programme by: contents 1 Introduction 2 Bad cheques are bad news Bank Negara Malaysia and cheques 3 What is a bad cheque? What happens

More information

GMAT.cz www.gmat.cz info@gmat.cz. GMAT.cz KET (Key English Test) Preparating Course Syllabus

GMAT.cz www.gmat.cz info@gmat.cz. GMAT.cz KET (Key English Test) Preparating Course Syllabus Lesson Overview of Lesson Plan Numbers 1&2 Introduction to Cambridge KET Handing Over of GMAT.cz KET General Preparation Package Introduce Methodology for Vocabulary Log Introduce Methodology for Grammar

More information

Untangling F9 terminology

Untangling F9 terminology Untangling F9 terminology Welcome! This is not a textbook and we are certainly not trying to replace yours! However, we do know that some students find some of the terminology used in F9 difficult to understand.

More information

Course Syllabus My TOEFL ibt Preparation Course Online sessions: M, W, F 15:00-16:30 PST

Course Syllabus My TOEFL ibt Preparation Course Online sessions: M, W, F 15:00-16:30 PST Course Syllabus My TOEFL ibt Preparation Course Online sessions: M, W, F Instructor Contact Information Office Location Virtual Office Hours Course Announcements Email Technical support Anastasiia V. Mixcoatl-Martinez

More information

Language Meaning and Use

Language Meaning and Use Language Meaning and Use Raymond Hickey, English Linguistics Website: www.uni-due.de/ele Types of meaning There are four recognisable types of meaning: lexical meaning, grammatical meaning, sentence meaning

More information

Securitization Process (Simple Model) Transfer by the Mortgagee: Assignment of Mortgage Loans. Securitization Process (Simple Model)

Securitization Process (Simple Model) Transfer by the Mortgagee: Assignment of Mortgage Loans. Securitization Process (Simple Model) Transfer by the Mortgagee: Assignment of Mortgage Loans Transfer/assignment of a mortgage loan can occur in one of two basic ways: 1) Outright sale of ownership (transferee takes on all risks and benefits

More information

BBSI Pre-Masters Courses in Finance & Financial Services

BBSI Pre-Masters Courses in Finance & Financial Services Course Descriptions BBSI Pre-Masters Courses in Finance & Financial Services 1. BBSI delivers its Finance courses in different formats to suit the personal requirements and specific training objectives

More information

BACHELOR IN ECONOMICS FIRST YEAR

BACHELOR IN ECONOMICS FIRST YEAR BACHELOR IN ECONOMICS FIRST YEAR Course English Code 802343 Module Basic Formation Area Nature Credits Compulsory 6 ES Attendance Non Attendance Year First Semester 1 COORDINATION Modern Language: English

More information

Financial Instruments

Financial Instruments There are two basic forms of Letters of Credit: Standby (SBLC) and Documentary (DLC). Financial Instruments Documentary Letters of Credit can be either Revocable or Irrevocable, although the first is extremely

More information

Section 8 Foreign Languages. Article 1 OVERALL OBJECTIVE

Section 8 Foreign Languages. Article 1 OVERALL OBJECTIVE Section 8 Foreign Languages Article 1 OVERALL OBJECTIVE To develop students communication abilities such as accurately understanding and appropriately conveying information, ideas,, deepening their understanding

More information

How to Paraphrase Reading Materials for Successful EFL Reading Comprehension

How to Paraphrase Reading Materials for Successful EFL Reading Comprehension Kwansei Gakuin University Rep Title Author(s) How to Paraphrase Reading Materials Comprehension Hase, Naoya, 長 谷, 尚 弥 Citation 言 語 と 文 化, 12: 99-110 Issue Date 2009-02-20 URL http://hdl.handle.net/10236/1658

More information

Keywords academic writing phraseology dissertations online support international students

Keywords academic writing phraseology dissertations online support international students Phrasebank: a University-wide Online Writing Resource John Morley, Director of Academic Support Programmes, School of Languages, Linguistics and Cultures, The University of Manchester Summary A salient

More information

Act No 129/2010 Coll.

Act No 129/2010 Coll. Act No 129/2010 Coll. on consumer credits and other credits and loans for consumers and amending certain laws, as amended by Act No 394/2011 Coll., Act No 352/2012 Coll., Act No 132/2013 Coll., Act No

More information

Using Credit to Your Advantage.

Using Credit to Your Advantage. Using Credit to Your Advantage. Topic Overview. The Using Credit To Your Advantage topic will provide participants with all the basic information they need to understand credit what it is and how to make

More information

CHARACTERISTICS FOR STUDENTS WITH: LIMITED ENGLISH PROFICIENCY (LEP)

CHARACTERISTICS FOR STUDENTS WITH: LIMITED ENGLISH PROFICIENCY (LEP) CHARACTERISTICS FOR STUDENTS WITH: LIMITED ENGLISH PROFICIENCY (LEP) Research has shown that students acquire a second language in the same way that they acquire the first language. It is an exploratory

More information

The Finance Commission of Texas adopts new rule 7 TAC 5.1, concerning required disclosures in connection with certain home loans.

The Finance Commission of Texas adopts new rule 7 TAC 5.1, concerning required disclosures in connection with certain home loans. Title 7. Banking and Securities Part I. Finance Commission of Texas Chapter 5. Home Loans 7 TAC 5.1. Required Disclosures in Connection with Certain Home Loans The Finance Commission of Texas adopts new

More information

Q: What types of businesses/industries can benefit from the SBA loan programs? A: Most small owner-operated business can benefit from SBA loans

Q: What types of businesses/industries can benefit from the SBA loan programs? A: Most small owner-operated business can benefit from SBA loans Interview with Alan Thomes, President, SBA Loan Division State Bank and Trust Company For many new start-ups and small businesses, an SBA loan may be an appropriate form of financing. In this interview

More information

C A R I B B E A N E X A M I N A T I O N S C O U N C I L REPORT ON CANDIDATES WORK IN THE SECONDARY EDUCATION CERTIFICATE EXAMINATION MAY/JUNE 2011

C A R I B B E A N E X A M I N A T I O N S C O U N C I L REPORT ON CANDIDATES WORK IN THE SECONDARY EDUCATION CERTIFICATE EXAMINATION MAY/JUNE 2011 C A R I B B E A N E X A M I N A T I O N S C O U N C I L REPORT ON CANDIDATES WORK IN THE SECONDARY EDUCATION CERTIFICATE EXAMINATION MAY/JUNE 2011 ECONOMICS GENERAL PROFICIENCY EXAMINATION Copyright 2011

More information

Using a Dictionary for Help with GERUNDS and INFINITIVES

Using a Dictionary for Help with GERUNDS and INFINITIVES Learning Centre Using a Dictionary for Help with GERUNDS and INFINITIVES Writing sentences in English that sound right to most English speakers requires more than using grammar rules correctly. Choosing

More information

DIFFICULTIES AND SOME PROBLEMS IN TRANSLATING LEGAL DOCUMENTS

DIFFICULTIES AND SOME PROBLEMS IN TRANSLATING LEGAL DOCUMENTS DIFFICULTIES AND SOME PROBLEMS IN TRANSLATING LEGAL DOCUMENTS Ivanka Sakareva Translation of legal documents bears its own inherent difficulties. First we should note that this type of translation is burdened

More information