🏦 Banking Vocabulary
*1️⃣A*ccount Balance
🔴The amount of money held in a bank account at a specific time.

2️⃣ATM (Automated Teller Machine)
🔴A machine that allows users to perform basic banking transactions (such as withdrawing cash) without the need for a bank teller.

3️⃣Checking Account
🔴A bank account that allows you to deposit and withdraw money for everyday transactions.

*4️⃣*Savings Account:
🔴 A bank account that earns interest on the money deposited and is typically used for saving money over a longer period.

*5️⃣*Overdraft
🔴A deficit in a bank account caused by withdrawing more money than is available.

*6️⃣*Direct Deposit
🔴An electronic transfer of a payment directly from the payer's bank account to the recipient's bank account.

*7️⃣*Wire Transfer
🔴A method of electronically transferring money from one person or entity to another.

8️⃣ATM Card
🔴A plastic card issued by a bank that allows customers to access an ATM to perform transactions.

9️⃣Debit Card
🔴A card issued by a bank that allows customers to make purchases by debiting funds directly from their checking account.

*1️⃣*0️⃣**Credit Card
🔴A card issued by a financial institution that allows users to borrow funds up to a certain limit for purchases.

*1️⃣*1️⃣**Interest Rate:
🔴The percentage of the principal amount charged by a lender for the use of money, typically expressed as an annual percentage rate (APR).

1️⃣2️⃣ Loan:
🔴 A sum of money borrowed from a financial institution that is expected to be repaid with interest over a specific period.

*1️⃣*3️⃣**Mortgage:
🔴A loan specifically used to purchase real estate, with the property itself serving as collateral for the loan.

*1️⃣*4️⃣**Online Banking:
🔴The use the internet to access financial services offered by a bank, such as checking account balances and transferring funds.

1️⃣5️⃣Personal Identification Number (PIN)
🔴A security code or secret number used to authenticate a user's identity in electronic transactions.

*1️⃣*6️⃣**Credit Score:
🔴A numerical representation of an individual's creditworthiness, based on their credit history and current financial situation.

*1️⃣*7️⃣**Bank Statement:
🔴A detailed record provided by a bank that lists all transactions that occurred in a particular account over a specific period.

*1️⃣*8️⃣**Pre-approval
🔴A process by which a lender reviews a borrower's financial situation to determine if they are eligible for a loan before they apply.

1️⃣9️⃣Mobile Banking:
🔴The use of a smartphone or mobile device to access banking services, such as transferring money and checking account balances.

2️⃣0️⃣ Certificate of Deposit (CD):
🔴 A time deposit offered by banks that pays a fixed interest rate for a specified term, typically higher than a regular savings account.
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BEGINNER ADVANCED EXAMPLE SENTENCES🔹 Beginner: I think...
🔷 Advanced: From my point of view,

*✅ Examples:*I think people who work should make more of an effort to exercise.
→
From my point of view, exercising is vital for those who have full-time employment.

🔹Beginner: For me,
🔷 Advanced: Admittedly,

*✅ Examples:*For me, it can be difficult to put a screen down.
→
Admittedly, minimising screen time presents its own problems.

🔹I feel...
🔷As far as I am concerned,

*✅ Examples:*I feel that streaming movies is a good way to watch them.
→
As far as I am concerned, streaming movies is a perfectly valid, even ideal, way to view them.

🔹Beginner: I believe...
🔷 Advanced: My opinion on the matter is...

*✅ Examples:*I believe that children should go to school before kindergarten.
→
My opinion on the matter is that early childhood education should be begun as early as possible.

🔹 Beginner: I am sure...
🔷 Advanced: I am convinced...

*✅ Examples:*I am sure that contactless credit cards will be more popular.
→
I am convinced that contactless payment is the chosen payment method of the future.

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High-frequency academic and topic-related vocabularies can help you get a high score in Lexical resource.@ingliztiliuzz

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✅ ANSWERS👇

*1️⃣The Village.........I was born is a few hundred miles from here.
✅* Where

https://t.me/ingliztiliuzz/7075

✍️ Explanation : adverb of place. Both that and which would require the preposition ‘in’ after the word born.

2️⃣ I went swimming.................the sea.
✅  In
https://t.me/ingliztiliuzz/7076

✍️ Explanation : A Lot of people seem to be confused by this, but the answer is in.
We don't swim at the sea.  We could swim at the seaside but it is more natural to say I went swimming in the sea.

3️⃣ There ……………………… an explosion in the city.
✅ Has been
https://t.me/ingliztiliuzz/7078

✍️ Explanation : When there is no time reference, we use the present perfect to talk about finished events.

80% of people answered correctly💯

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Hmmmmm🤔

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#advanced

Compare a sentence😀“she’s the murderer”
😀“she must be the murderer”
😀“she might be the murderer.”

😀 Ordinary declarative, that could be true or false but sounds objective.

😀and😀 the speaker suddenly breaks the fourth wall and intrudes into the statement with their own uncertain beliefs (such as “I’ve deduced from other evidence she’s the murderer” or “I think it’s likely she’s the murderer”), even though the content hasn’t really changed.

The presence of modal verbs such as “must” and “might” suddenly injects the speaker and their imperfect judgements into an objective statement, adding a certain kind of nuance, making them seemingly weaker and more tentative, opening it up for further questions. It makes it clearer that what seemed at first to be an objective statement is in fact from the point of view of the speaker.

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Quiz 1 Answer 👍talked

the other day (also the other night/week) is a phrase that means the recent past

I saw him the other day.
She called the other night.

Quiz 2 Answer ❤️**found

It's time you (did something)**You say "It's time you ___" when you're telling someone to do something that you think they should have already done a long time ago:

It's time you learned a lesson about respecting your elders.

Quiz 3 Answer ❤️haven't seenWe usually use the present perfect when something begins in the past and continues up to the present time. In this case, the speaker is referring to a period that began two hours ago and probably continues till the moment he/she speaks.

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