Money and Banking (reading)

the term money in its widest sense covers anything which serves as a store of calue and a means of exchange legal tender is the name for actual notes issued by governments or authorized banks while instruments of credit such as cheques act as a substitute for legal tender.

today a banks primary function is to act as an intermediary between depositors and borrowers it serves as a reservoir of loanable money a bank accordingly makes main profits by lending part of its store of deposited money at fixed rates of interest these rates usually exceed the rates offered to depositors,

the whole system however is based on simple acts of trust between all concerned without this trust modern banking would be impossible.

conditional sentences

Conditional Sentences are also known as Conditional Clauses or If Clauses. They are used to express that the action in the main clause (without if) can only take place if a certain condition (in the clause with if) is fulfilled. There are three types of Conditional Sentences.

Conditional Sentence Type 1

→ It is possible and also very likely that the condition will be fulfilled.

Form: if + Simple Present, will-Future

Example: If I find her address, I’ll send her an invitation.

more on Conditional Sentences Type I ►

Conditional Sentence Type 2

→ It is possible but very unlikely, that the condition will be fulfilled.

Form: if + Simple Past, Conditional I (= would + Infinitive)

Example: If I found her address, I would send her an invitation.

more on Conditional Sentences Type II ►

Conditional Sentence Type 3

→ It is impossible that the condition will be fulfilled because it refers to the past.

Form: if + Past Perfect, Conditional II (= would + have + Past Participle)

Example: If I had found her address, I would have sent her an invitation.

example in paragraph :

I plan to be in the Columbus area during the week of may 2. If it would be convenient for you, I would like to meet with you sometime during that week to discuss the position you have available . please let me know which day and time would suit you . you can reach me at the phone number or e-mail address listed on my enclosed resume. Thank you for your attention. I look forward to hearing from you

from :

http://www.ego4u.com/en/cram-up/grammar/conditional-sentences
buku pendalaman materi bahasa inggris

Direct - Indirect

Reported Speech

(direct-indirect SP)

1)      Tenses : present = past

        Past. T    =           past perfect

2)      Pronoun

I	Me	My	Mine	My self
You	You	Your	Yours	Your self
He	Him	His	His	Him self
She	Her	Her	Hers	Her self
We	Us	Our	Ours	Our selves
They	Them	Their	Theirs	Them selves

3)      Adverb of time and place :

-          Now           =          then

-          Yesterday  =          the day before

-          Tomorrow =          the day before

-          Ago            =          before

-          Next week =          the following week

-          Here          =          there

-          This            =          those

1)      Statement :

Reporting verb : said

Conjungtion : (that)

-          DS : mother said , “I don’t make a cake”

IS : mother said (that)she didn’t make a cake

2)      Command/request

Reporting verb : told ordered

-          DS : “don’t forget to look all the doors” , the janitor said to the boys

IS : the janitor ordered to the boys not to forget to lock all the doors

3)      Question :

Reporting verb : asked, wanted to know

Model aux : tobe : is, am, are, we, was, were

Do : do, does, did

Have : have, has, be, been

Will : will, can should, may

Conjunction : if/weather

-          DS : the teacher asked me, “do you speak English?”

IS : the teacher asked me if I spoke engish

http://abudira.wordpress.com/2010/06/08/direct-dan-indirect-speech/

http://rizkiaamalia.blogspot.com/2011/06/direct-indirect.html