Thursday, 14 May 2015

Getting a Loan


Good Morning Sir, how may I help you today?
I would like to apply for a loan please.
Very good, and what kind of loan are you looking for?
I want a loan to buy a new home.
And how much were you hoping to apply for today?
I was hoping that I could apply for a $250,000 home loan.
First we just have to see if your credit is good enough for a loan that large.
I have a credit score of 760.
Excellent! And I also see on your credit report that you have always paid on time.
Yes, I know how important it is to pay your debts and pay them on time.
Will you be making a down payment on your new house?
I have ten thousand dollars available for a down payment and I would like to finance the rest.
I have just a few more questions for the application. What is your gross monthly income?
I make $750 a week, so I suppose my average monthly income would be about $3000.
How long would you like the life of the loan to be?
What are my options?
You can choose between a ten, fifteen, twenty or thirty year loan.
What is the difference between a fifteen year loan and thirty year loan?
A fifteen year loan will mean higher monthly payments, but you will pay less interest.
So a thirty year loan will mean lower monthly payments, but I will end up paying more in the long run?
That is right. Which would you prefer?
I think I would rather pay it off sooner and not pay as much interest.
Then we will sign you up for a fifteen year loan.
What is my interest rate?
Based on your credit report and excellent credit score, your interest rate will be 5.9%.
That is great! Where do I sign?
Just fill out this remaining paperwork and we will get you into your new home.

5 Responses to Getting a Loan Page 1 of 11 Godefroid Dibuekabengele:January 4, 2013 at 8:20 pm

It's very excited for me, I think I will perfected my langues with these sit.

Reply Lotfi Gasoma:February 23, 2013 at 8:39 pm

very good ♥♥♥.

Reply Hussein Khorgeen:March 24, 2013 at 9:10 pm

thank you at all.

Reply Ahmed Amin:March 25, 2013 at 7:39 pm

That's a great way for improving vocabulary and listening skills. I recommend it to my students to listen to different Converstaion to develop their skills :)

Reply Man Pivot Stick:April 9, 2013 at 10:28 pm

dess is a very very good.

Reply Page 1 of 11

E-Commerce


I am worried about my business.
Why, what’s wrong with it?
I do not have enough customers.
Are you advertising?
Yes, I have advertised with fliers, newspapers, magazines and billboards.
Have you posted anything about your business online?
No, I did not think that anyone would see my business on the internet.
That isn’t right at all, many people would see it!
I thought most people use the internet to talk to each other.
The internet has become a very big market for e-commerce.
What is e-commerce?
E-commerce is any business transaction that is done online instead of in person.
Do you really think that it would help my business?
Yes, it will help you to reach many more customers.
How do I start?
The first thing you should do is set up a website for your business.
I don’t know how to make a website.
Then you can hire someone to do it for you.
What do I do after I have my website?
Then you can list your products on it.
How will that help my business?
What does your business sell?
My business sells clothes for children and babies.
When someone goes online and searches for children’s clothes, they will see your website in a list of choices.
And what happens if they choose to look at my website?
They will see what you are selling and if they like something, they will buy it online.
This is wonderful! I can use e-commerce to reach customers that are not in my town.
Exactly, and the more customers you can reach, the better your business will do.

One Response to E-Commerce Page 1 of 11 Mazen AL Yaski:February 8, 2013 at 2:07 pm

that's great

Reply Page 1 of 11

Job Interview

Hello. Are you Mr. Johnson?
Yes. I am.
Nice to meet you I am Mr. Smith. I will be interviewing you today.
Good. It’s nice to meet you as well.
Thank you. Please have a seat in my office.
Thank you.
Mr. Johnson, tell me a little about yourself.
I am 32 years old, I was working at the steel plant until they shut it down last month and now I am looking for a job.
Tell me about your experience at the steel plant.
I was a team leader. I was always on time and my supervisor said I was one of his best workers.
Very impressive! Mr. Johnson, What are three words that describe you?
I would say…Responsible, Hard-working, and Smart.
Very good. What makes you the best candidate for this job?
Well, I am a very hard worker and I would be able to learn the tasks quickly.
Okay then. Thank you for coming. Do you have any questions for me?
Yes. I was wondering what my schedule would be if I got the job?
That’s a good question. You would work from Nine until Five, Monday through Friday. Does that work for you?
Yes. That works very well for me.
Do you have any other questions?
No, I believe that is all.
OK Mr. Johnson. It was a pleasure to meet you and we will let you know if you got the job by Thursday.
Thank you for your time Mr. Smith.
You’re welcome. Have a good day.

Investing In Real Estate

Hello Mrs. Robinson
Hello. How are you?
I’m fine thank you.
I’m glad. Are you ready to see the property?
Yes. I’m very excited.
Good. This property is two acres and it is in a very nice part of town.
What is the zoning of this property?
It is zoned for commercial or residential use.
That is good.
What do you plan on using it for?
I plan to build a shopping mall and sell it.
That sounds like a good idea.
What is the current property value?
Right now it is $500,000. Would you be interested in investing in this piece of property?
It sounds like a good price. I need to think about it.
It is a good price. This investment would be a great way to build equity.
I would need to get a mortgage. Do you offer mortgages?
Yes we do. You can get a 10-year mortgage or a 30-year mortgage.
I would prefer a 30-year mortgage.
Our 30-year mortgage rate is 2.5% right now.
That is a good rate!
You are right. It is a very good deal.
I think I will invest.
Excellent! I will bring you the contract tomorrow.
Thank you.
No. Thank you, Mrs. Robinson. It was a pleasure to do business with you.

تابعونا — دورة جديدة في الصوتيات- Phonetics


احبتي الطلبة :
هذه دورة مجانية جديدة في صوتيات اللغة الانجليزية ( Phonetics ) نقدمها لأحبتنا الطلبة مع التمارين والحلول، وسوف تكون هذه الدورة مفيدة للجميع ولكن فائدتها تعظم لدى متخصصي اللغة الانجليزية من الطلاب الجامعيين- نسال الله أن يتقبل منا هذا العمل وأن يكون خالصاً لوجهه الكريم وأن يكون علماً ينتفع به بعد الممات.
.ولمزيد من دوراتي المجانية يمكنكم أيضاً زيارة مدونتي –” مدونة الانجليزية” على هذا الرابط .
http://en-blog.com/wp/category/%D9%81%D8%AF%D9%8A%D9%88/
ولا تنسوني ووالديّ وموتى المسلمين من دعواتكم الطيبة،
المقدمة: ثلاثة مستويات من اللفظ
درس 1 – اعضاء النطق – الحروف و الاصوات
درس 1- تمارين و حلول
درس 2- مكان وحالة نطق الاصوات 
درس 3- حروف العلو واصوات العلة المفردة
درس 4- حروف العلة الثنائية diphthongs
درس 5- وصف أصوات العلة
درس 6 – الاخير – الكتابة بالنظام الصوتي العالمي


Opening a Bank Account

Hello. Welcome to the Bank of Chicago. How can I help you?
Yes. I would like to open a bank account.
Okay. Would you like a savings account or a checking account?
I think a checking account if I can.
We can see if you qualify.
Okay. But first I’d like to know what is included with a checking account.
A checking account comes with a free checkbook and you can use your ATM card anywhere in the world.
What are your interest rates for checking accounts?
The checking account has a rate of 2.4%.
What about the savings account?
The savings account has 1.2% interest rate.
Are there any fees with either account?
No. There are no fees.
I would like to open a checking account then.
Okay. There is a $5000 minimum deposit.
Oh no. I only have $3000.
Then you will only be able to open a savings account.
Okay. I will do that then.
I believe you will be satisfied with a savings account.
Once I have more money can I change the account to a checking account?
Of course.
Okay. That sounds good.
Okay. You will need to sign these papers.

Monday, 16 March 2015

The Student hILMI

The Student

AT first the weather was fine and it was very quiet. Blackbirds

sang, and from the neighboring marshes something living could

5 be heard making a pathetic moaning sound like air being blown

in an empty bottle. A solitary woodcock flew up, and someone

aimed, and a shot rang out vividly and joyfully on the spring air.

Then as the woods grew dark, a cold and penetrating wind rose

unreasonably from the east, and everything was silent. Needles

10 of ice stretched over the pools; darkness, misery, and loneliness

hung over the woods. It smelled of winter. Ivan Velikopolsky, a

student in the theological seminary and the son of a sacristan,

was making his way home from hunting, barefoot, taking the

path through the water-logged meadows. His fingers were

15 numbed, and his face burned by the wind. It seemed to him that

the sudden fall of temperature had somehow destroyed the

order and harmony of the universe, and the earth herself was in

agony, and that was why the evening shadows fell more rapidly

than usual. All round him there was only emptiness and a

20 peculiar obscurity. The only light shone from the widows’

gardens near the river; elsewhere, far into the distance and close

to him, everything was plunged in the cold evening fog, and the

village three miles away was also hidden in the fog. The student

remembered that when he left home his mother was sitting on

25 the floor in the doorway cleaning the samovar, while his father

lay coughing near the stove; and because it was Good Friday, no

cooking had been done in the house and the student was

ferociously hungry. Oppressed by the cold, he fell to thinking

that just such a wind as this had blown in the time of Rurik and in

30 the days of Ivan the Terrible and Peter the Great, and in those

days men suffered from the same terrible poverty and hunger;

they had the same thatched roofs filled with holes; there was the

same wretchedness, ignorance, and desolation everywhere, the

same darkness, the same sense of being oppressed—all these

35 dreadful things had existed, did exist, and would continue to

exist, and in a thousand years’ time life would be no better. He

did not want to go home. The widows’ gardens were so called

because they were kept by two widows, a mother and daughter.

There a wood fire was crackling and blazing, throwing a great

40 circle of light over the plowed earth. The widow Vasilissa, a huge,

bloated old woman, was wearing a man’s coat. She stood gazing

dreamily at the flames while her daughter Lukerya, a little pock-
marked woman with a stupid expression, sat on the ground

washing a kettle and some spoons. Apparently they had just

45 finished supper. Men’s voices could be heard; they were the

local farm workers watering their horses at the river. “Well,

winter’s back again,” the student said, going up to the fire.

“Good day to you!” Vasilissa gave a start, but she recognized him

and smiled at him warmly. “I did not recognize you at first,” she

50 said. “God bless you! You’ll be rich one day!” They went on

talking. Vasilissa was a woman of experience; she had served the

gentry first as a wet nurse and then as a children’s nurse, and she

expressed herself with refinement. A grave and gentle smile

never left her lips. Her daughter Lukerya was a peasant; the life

55 had been crushed out of her by her husband. She screwed up her

eyes at the student and said nothing. She had a strange

expression, like that of a deaf-mute. “On just such a cold night as

this St. Peter warmed himself by a fire,” the student said,

stretching his hands over the flames. “So it must have been very

60 cold! What a terrible night, eh? Yes, it was an extraordinarily

long, sad night!” Saying this, he gazed at the encircling shadows,

gave a little convulsive shake of his head, and went on: “Tell me,

have you ever attended a reading of the Twelve Gospels?” “Yes, I

LC - HW

have,” Vasilissa answered. “Then you’ll remember that at the

65 Last Supper, Peter said to Jesus: ‘I am ready to go with thee

down into darkness and death,’ and the Lord answered: ‘I tell

thee, Peter, the cock, the bird of dawning, shall not crow this

day, before that thou shalt thrice deny that thou knowest me.’

After the supper Jesus suffered the agony in the garden, and

70 prayed, but poor Peter was faint and weary of spirit, and his

eyelids were heavy, and he could no longer fight against sleep.

So he slept. Then, as you know, Judas came that same night and

kissed Jesus and betrayed him to his tormentors. They bound

him and took him to the high priest and beat him, while Peter,

75 worn out with fear and anxiety, utterly exhausted, you

understand, not yet fully awake, feeling that something terrible

was about to happen on earth, followed after him. For he loved

Jesus passionately and with all his soul, and he saw from afar off

how they were beating him....” Lukerya dropped the spoons and

80 looked fixedly in the direction of the student. “They came to the

house of the high priest,” he went on, “and they began to

interrogate Jesus, while the workmen lit a fire in the courtyard

because it was cold, and they warmed themselves round the fire,

and Peter stood close by the fire, and he too warmed himself,

85 just as I am doing now. There was a woman who recognized him

and said: ‘This man also was with Jesus,’ meaning that he too

should be taken for interrogation. And all the workmen who

were standing round the fire must have looked at him

searchingly and suspiciously, for he was troubled and said: ‘I do

90 not know him.’ After a while someone recognized him as one of

the disciples of Jesus, and said: ‘You were one of them.’ And

again Peter denied it. And then for the third time someone

turned toward him and said: ’Did I not see thee with him in the

garden?” And again Peter denied it, and at that very moment the

LC - HW

95 cock crew, and Peter gazing from afar off at Jesus remembered

the words spoken to him earlier in the evening.... He

remembered and suddenly recovered his senses and went out

from the courtyard and wept bitterly. The Gospels say: ‘He went

out and wept bitterly.’ And so I imagine it—the garden was

100 deathly still and very dark, and in the silence there came the

sound of muffled sobbing....” The student sighed and fell into

deep thought. Though her lips still formed a smile, Vasilissa

suddenly gave way to weeping, and the heavy tears rolled down

her cheeks, and she hid her face in her sleeve as though

105 ashamed of her tears, while Lukerya, still gazing motionlessly at

the student, flushed scarlet, and her expression became strained

and heavy as though she were suffering great pain. The farm

workers returned from the river, and one who was on horseback

came near them, and the light from the fire glittered on him. The

110 student bade good night to the widows and went on his way.

Once again the shadows crowded close around him, and his

hands froze. A cruel wind was blowing, winter had settled in, and

it was hard to believe that Easter was only the day after

tomorrow. The student fell to thinking about Vasilissa. It

115 occurred to him that because she had been weeping, everything

that happened to Peter on the night of the Last Supper must

have a special meaning for her.... He looked round him. He could

see the solitary fire gleaming peacefully in the dark, but there

was no longer anyone near it. Once more the student thought

120 that if Vasilissa gave way to weeping, and her daughter was

moved by his words, then it was clear that the story he had been

telling them, though it happened nineteen centuries ago, still

possessed a meaning for the present time—to both these

women, to the desolate village, to himself, and to all people. The

125 old woman wept, not because he was able to tell the story

LC - HW

touchingly, but because Peter was close to her and because her

whole being was deeply affected by what happened in Peter’s

soul. And suddenly his soul was filled with joy, and for a moment

he had to pause to recover his breath. “The past,” he thought, “is

130 linked to the present by an unbroken chain of events all flowing

from one to the other.” And it seemed to him that he had just

seen both ends of the chain, and when he touched one end the

other trembled. When he took the raft across the river, and

afterward when he was climbing the hill and looking back in the

135 direction of his native village and toward the west, where the

cold purple sunset was no more than a thin streak of light, it

occurred to him that the same truth and the same beauty which

reigned over humankind in the garden and in the courtyard of

the high priest had endured uninterruptedly until the present

140 time, and always they were the most important influences

working on human life and everything on the earth; and the

feeling of youth, health, and vigor—he was only twenty-two—

and the inexpressible sweet expectation of happiness, of an

unknown and secret happiness, took possession of him little by

145 little, and life suddenly seemed to him ravishing, marvelous, and

full of deep meaning.

LC - HW