Financial Literacy Education

B2 – Upper Intermediate

Financial literacy is defined by Investopedia as the ability to understand and use various financial skills, including personal financial management, budgeting, and investing. This form of literacy is not highlighted in many societies around the globe, or maybe because of its diminished importance, many of us are not as concerned about it.

We frequently hear people lamenting the lack of financial education they receive, or more precisely, the lack of instruction or exposure to budgeting techniques, which they believe has contributed to the financial instability that the majority of Americans currently experience—or perhaps that of the global populace as a whole.

To find out more about why financial literacy instruction in the US is so bad, watch the video.

Vocabulary Questions:

  1. What is the meaning of “driving force“? “And that lack of literacy is one driving force behind the financial instability a lot of American face.”Give two (2) synonyms or similar expressions and use ‘driving force’ in your own sentence.
  2. Do you know what “to take a crack at something” means? “Your history teacher might have taken a crack at teaching you about credit card debt.” Construct your own sentence using this phrase.
  3. What is the meaning of “trickle up”?“Financial education has a trickle up effect on students’ families and even the classes’ teachers.” Use it in your own sentence.

Discussion Questions:

  1. What is financial literacy and how important is it in the society?
  2. Should financial literacy be taught at schools? Share your thoughts.
  3. Do you believe that having financial literacy would make people’s lives better? Elaborate on your response.
  4. What is a suitable age to start learning financial management? And why?

The ‘Ninis’: No School, No Job and No More Bank of Mum and Dad?

B2 – Upper Intermediate

Parental obligations usually end legally when the child reaches the age of 18. By law, parents are required to support their young children by providing them food, shelter, clothing, education, etc. However, parents feel responsible for their children’s actions or inactions even if they are already grown-ups.

Let’s read the article and know more about these young adults in Spain whom parents can’t seem to get rid of.

https://www.theguardian.com/world/shortcuts/2016/jun/06/spain-ninis-no-school-job-bank-mum-dad

Vocabulary Questions:

  1. What is the meaning of the word “bankrolling” mean? “Spain’s Nini generation are the equivalent of the UK’s Neets – but they may be about to experience some tough love from their bankrolling parents.” Use it in a sentence.
  2. Define the word “upkeep“. “Instead, their parents have been required to pay for their upkeep.” Use it in your own sentence and give two synonyms.
  3. What does the expression “to squabble over something” mean? “You know how divorced couples often squabble over who gets custody of the children?” Use it in a sentence.

Discussion Questions:

  1. In your opinion, what factors contribute to these young people becoming “ninis”?
  2. How can this be prevented or resolved?
  3. What is your stand on the parents’ right to abandon their “nini” children?

Cold Weather Makes You Sick

B2 – Upper Intermediate

Our parents and grandparents often warn us about dressing appropriately in cold weather to avoid getting sick. We tend to believe them because there seems to be more cases of cold and flu cases at this time of the year. However, medical experts have explained that the cold weather alone is not the culprit.

Let’s watch the video and read the article to find out how people get sick when the temperature drops.

https://www.euronews.com/my-europe/2024/02/21/fact-check-can-cold-weather-actually-make-you-sick

Vocabulary Questions:

  1. What does the idiom “old wives’ tale” mean? “You’ve probably heard of the old wives’ tale that you should cover up once the temperatures drop.” Use it in a sentence.
  2. What is the meaning of the adverb “suppressed“? “In some respects, when we’re exposed to cold air, we can think that our immune system is suppressed.” Give two (2) synonyms or similar expressions and use ‘suppressed’ in your own sentence.
  3. Define the phrase “fend off“. “Well, one legacy of the COVID pandemic was the popularisation of one important device for fending off these pesky germs: a face mask.” Give two (2) synonyms or similar expressions and use ‘fend off’ in your own sentence.

Discussion Questions:

  1. What is the connection between cold weather and falling ill?
  2. How can one protect oneself against viruses during winter?
  3. How do you feel/What do you think about wearing a mask in winter?
  4. What are your thoughts on topical nasal medications?
  5. What other medical myths have you heard of?

Job Plateau

B2 – Upper Intermediate

When you hold a job that’s just alright, it can pose challenges. As time passes, you may become accustomed to the routine, yet advancement in your career remains gradual. This feeling of being at a standstill is known as a ‘job plateau’. It emerges when you start feeling disconnected or uninterested in your job after a while.

Read this article to learn the signs that you’ve hit your ‘job plateau’.

https://www.huffpost.com/entry/job-plateau-career-question_l_65e0dfc9e4b0d2a24758851f

Vocabulary Questions:

  1. What does “to hit the job plateau” mean? “Don’t ignore the warnings that you’ve hit your job plateau.” Use this expression in a sentence.
  2. What does “to coast along” mean? “That kind of thing can keep you coasting along for a really long time.” Use this phrase in a sentence.
  3. What does “to go through the motions” mean? “Oftentimes when people are in a plateau, they’re not really thinking about it. They’re just going through the motions more than anything.” Use this phrase in a sentence.

Discussion Questions:

  1. Have you experienced a sense of being stuck and unable to advance in your career, similar to what’s known as a job plateau? How did you identify this phase?
  2. Despite recognizing the need to leave a job plateau, why do individuals often choose to remain in that state?
  3. How do you typically manage feelings of stagnation or monotony in your job, similar to those associated with a job plateau?
  4. What criteria do you use to distinguish between a temporary rough patch in your job and a more prolonged period of being in a job plateau?
  5. When faced with significant decisions like whether to stay in a job plateau or seek new opportunities, what steps do you take to navigate through the dilemma?

The Environmental Impact of Online Shopping

B2 – Upper Intermediate

Online shopping offers unparalleled convenience, but hides significant environmental impact, from packaging waste to increased carbon emissions. While it may seem more environmentally-friendly than traditional in-store shopping, this perception isn’t always accurate.

Read this article to learn more about the environmental impact of online shopping.

https://www.linkedin.com/pulse/environmental-impact-online-shopping-carrybagslimited/

Vocabulary Questions:

  1. What does “a way of life” mean? “We are living in a world where online shopping is becoming a way of life, resulting in a global supply chain that is unable to recover, and our planet is being negatively affected by this practice.” Give a similar expression and use “a way of life” in a sentence.
  2. Define “projected growth” in this sentence. “There is a projected growth of 36% in the number of delivery vehicles by 2030, resulting in approximately 7.2 million vehicles.” Make a sentence with this phrase.
  3. What does “e-commerce revolution” mean? “Although the e-commerce revolution has greatly benefited society, it is important not to ignore the impact it has on the environment.” Use this in a sentence.

Discussion Questions:

  1. According to the article, how does online shopping impact the environment?
  2. How often do you purchase online, and have you ever considered its environmental impact?
  3. In your opinion, what can individuals do to decrease the environmental effect of their online shopping habits?
  4. Do you think there are more pros or cons to purchasing online in terms of environmental impact? Explain.
  5. How do you think the projected growth in the number of delivery vehicles will affect your local area and commute times?

Mark Zuckerberg Richer

B2 – Upper Intermediate

In today’s society, the pursuit of wealth and material possessions has become a common goal for many individuals. The desire to be richer drives people to work harder, take risks, and make sacrifices in order to achieve financial success.

To become richer, one must first set clear goals and develop a strategic plan to achieve them. This may involve investing in education or acquiring new skills to increase earning potential. Additionally, saving and investing wisely can help grow wealth over time.

Read this article about Mark Zuckerberg’s increasing wealth.

https://www.msn.com/en-ph/money/companies/mark-zuckerberg-is-almost-54-billion-richer-this-year-and-he-s-closing-in-on-elon-musk/ar-BB1jH3zY?ocid=winp1taskbar&cvid=5f61fbcfc9494e4ff0e890f56d7ebcf3&ei=14#image=AA1iQDPs|9

Vocabulary Questions:

  1. What does “to close in on someone/something” mean? “Mark Zuckerberg has become a lot wealthier this year 2024 — and is closing in on his would-be cage-fight rival Elon Musk for the title of the world’s third-richest person.”  Use it in your own sentence. 
  2. What does the term “closing bell” mean here, “As of Friday’s closing bell, he was worth $182 billion — just $7 billion behind Musk. Zuckerberg hasn’t been richer than the Tesla CEO since November 2020.” Use it in your own sentence. 
  3. What does the idiom “to settle differences” mean? “At one point, the two billionaires even promised to settle their differences in a cage match, although it appears unlikely that is ever going to happen.” Use it in your own sentence. 

Discussion Questions:

  1. How did Mark Zuckerberg become richer this year?
  2. Share your thoughts on Mark Zuckerberg’s net worth surging.
  3. Talk about your opinion about Zuckerberg and Musk’s rivalry and their efforts to play it up.
  4. Who is the wealthiest person from your country and how do they acquire their fortune?
  5. What questions would you like to ask a wealthy person like Mark Zuckerberg?
  6. How can one acquire more wealth and manage it well?
  7. How do you think your company achieve growth year by year?

Robot Makes Fries

B1 – Intermediate

Miso Robotics has created a new robot designed to simplify kitchen tasks in fast food restaurants. With its advanced technology, the robot aims to improve efficiency and lessen the need for human intervention.

Listen to this audio and read the transcript about a robot which works in fast food restaurants.

https://www.newsinlevels.com/products/a-robot-makes-fries-level-2/

Vocabulary Questions:

  1. What does “develop” mean, “In California, US, Miso Robotics developed a robot which works in fast food restaurants.” Use it in a sentence.
  2. What does “instruction” mean, “When an order comes, a worker sends instructions to the robot.” Use it in a sentence.
  3. What does “task” mean, “At first, the robot only turned burgers, but workers soon realized that it could do more tasks. Use it in a sentence.

Discussion Questions:

  1. What are your thoughts on Miso Robotics’ burger-flipping robot?
  2. What are the advantages and disadvantages of using robots like the one developed by Miso Robotics in fast food restaurants?
  3. How do you think the introduction of this robot might impact the workers in fast food establishments? Explain.
  4. How else can these robots be improved?
  5. Do you think the introduction of robots in fast food restaurants will lead to job losses or create new opportunities for workers?

Hungary’s New Immigration Law

B1 – Intermediate

Hungary is implementing tougher immigration rules for people who are coming to live there because too many people are moving to the country. The government’s objective with this new immigration law is to help control how many people come and to make sure there are enough resources for everyone.

Listen to this audio and read the transcript about Hungary’s new immigration law.

https://www.newsinlevels.com/products/hungarys-new-immigration-law-level-2/

Vocabulary Questions:

  1. What does “in effect” mean, “The law is replacing an old one which was in effect for 16 years.” Use it in a sentence.
  2. What does “residence permit” mean, “Residence permits will depend on immigrants’ skills.” Use it in a sentence.
  3. What does “invest” mean, “The law also introduces a ‘golden visa’ for people who want to invest money in Hungary.” Use it in a sentence.

Discussion Questions:

  1. How might the rule impact the lives of both Hungarians and immigrants living in Hungary?
  2. What are the potential benefits and drawbacks of Hungary’s new immigration rules? Elaborate and explain.
  3. How might these rules affect the economy and job market in Hungary? Explain.
  4. Do you think it’s fair that Hungarians get jobs first? Why or why not?
  5. What is your opinion about the ‘golden visa’?
  6. How would you compare these immigration rules in Hungary to your country?

App Finds Breast Cancer

B1 – Intermediate

An innovative and user-friendly device designed to help detect breast cancer early. It provides a simple way for individuals to monitor their breast health and identify any concerning changes.

Listen to this audio and read the transcript about Dotplot, the app that checks women’s breasts for cancer.

https://www.newsinlevels.com/products/app-finds-breast-cancer-level-2/

Vocabulary Questions:

  1. What does “sound wave” mean? “Dotplot reads the breasts with sound waves, and an app sends a report about the scan.” Use this phrase in a sentence.
  2. What does “scan” mean? “The app also compares the scan with previous scans, which helps see if something changed in the breasts.” Use it in a sentence.
  3. What does “account for” mean? “It now accounts for nearly 12% of new cases worldwide.” Use it in a sentence.

Discussion Questions:

  1. What is your opinion on Dotplot?
  2. How can Dotplot device be helpful in detecting breast cancer? Explain.
  3. Do you think devices like Dotplot could make it easier for women to detect breast cancer early? Why or why not?
  4. What are the challenges that can be associated with using a device like Dotplot? How can those issues be solved?

Bitcoin at a Record High

B1 – Intermediate

Bitcoin is a type of digital currency that isn’t controlled by any government or bank. It’s created and managed using a technology called blockchain. People can use Bitcoin to buy things online or trade it like stocks. Its value can change a lot and there’s only a limited amount of Bitcoin that will ever exist.

Listen to this audio and read the transcript about Bitcoin being at a record high.

https://www.newsinlevels.com/products/bitcoin-at-a-record-high-level-2/

Vocabulary Questions:

  1. What does “cryptocurrency” mean, “The cryptocurrency hit 69,202 dollars and surpassed its peak in November 2021.” Use it in a sentence.
  2. What does “surpass” mean? “The cryptocurrency hit 69,202 dollars and surpassed its peak in November 2021.” Give two (2) synonyms or similar expressions and use ‘surpass’ in your own sentence.
  3. In trading, what does the term “spot” mean? “Investor interest increased rapidly after the Securities and Exchange Commission approved 11 spot bitcoin ETFs.” Use it in a sentence.

Discussion Questions:

  1. What are your thoughts on Bitcoin and other cryptocurrencies?
  2. What are the potential risks and benefits associated with investing in Bitcoin? Elaborate.
  3. What are some potential factors driving the fluctuations in Bitcoin’s value
  4. How might the fluctuation in Bitcoin’s value impact investor sentiment and the market?
  5. Why do you think more people are becoming interested in Bitcoin? Explain.