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In the past, people bought goods using (5) _______. They rarely borrowed money from financial institutions and only when they had saved the money did they buy what they wanted. Recently, however, there have been great changes in the way people purchase goods. To begin with, some people pay for things by cheque, (6) ______ others prefer monthly installments rather than paying the whole amount at once. Most consumers, though, prefer to buy things using their credit cards. (7) _______, it is thought that there are benefits to having a credit card. Apart from the fact that credit cards are handy, some stores offer bonus points to people making purchases, while others give discounts on certain products. On the other hand, credit cards must be used wisely because they can prove disastrous. In the long run, consumers find that they can’t (8) _______ without their credit cards and constantly rely on them, as they are “easy money”. As a result, some people lose control of their finances spending more than they should end up not being able to (9) _______. So they end up in debt and have difficulty in paying it back

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Employees are ------- from eating outside of designated rest areas during their lunch breaks

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............. , human beings have relatively constant body temperature

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I saw you on the bus yesterday. Where ____ you ____?

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I insist on ____ this small present as a token of my appreciation

Choose the letter A, B, C or D to complete the sentences. Good morning, Hoa! …….. is my classmate, Lan.

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Cycling makes you fitter and gives you a better life ____

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The librarian pointed ___________ the sign that said to keep quiet

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The popular press often contains a lot more _______ than hard facts

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The driver _________ at the boys who are playing football in the street

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The films run all night. We ________ movies for six hours by the time the feature comes on.

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We put _________ some new pictures in the living room

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One of the best ways to understand what a job is like, is to do it. Work experience is a great way to get a feel for what a job is all about.

We use a __________ to put the clothes in.

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The forests are our ________ natural resources

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You really need to clean ___________ your room. It's like a pigsty in there!

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Each mediocre book we read means one less great book that we would otherwise have a chance ..................

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Volunteers will come around and hand __________ pamphlets before the lecture

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They are going to New York ________ plane

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How often ______ you go to the cinema?

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My nickname in the office is “Slugger”, ____?