2.1 money one verbs one I'm going to inherit £2,000 two I save money every week three he has promised to lend me50 four I need to borrow £20 from my mom five I often waste money six I can't afford to buy that car seven the mechanic charges me100 eight they cost $200 nine I owe Jim £100 10 I want to invest some money 11 I earn ,000 a month 12 my house is worth about €200,000 13 we want to raise money for the new hospital 2.2 two prepositions one would you like to pay cash or Buy credit card two I paid for the dinner last night it was my birthday three I spent £50 on books yesterday four my uncle invested all his money in property five I don't like lending money to friends six I borrowed a lot of money from the bank seven they charged us €60 for a bottle of wine eight I never get into debt I hate owing people money 2.3 three nouns one bill two salary three tax four loan five budget six mortgage seven contactless payment eight Insurance 2.4 four phrasal verbs one I took out €200 from a cash machine two can I pay you back the money you lent me next week three I have to live off my parents while I'm at University four it's difficult for me and my wife to live on only one salary 2.5 up a done money nothing some one worry clock o borrow cost dollar honest promise shopping phone o clothes loan note o sold 2.7 seven one let's go shopping for clothes two can I borrow some money three he won a million dollar four I've done nothing wrong five they can't afford to pay the mortgage six I work in a store 2.8 I haven't seen those shoes before are they new yes I've just bought them do you like them they're okay how much did they cost oh not much they were a bargain under £100 you mean $99.99 that isn't cheap for a pair of shoes anyway we can't afford to buy new clothes at the moment moment why not have you seen this no what is it our phone bill it arrived this morning and we haven't paid the house insurance yet well what about the iPad you bought last week what about it you didn't need a new one the old one worked perfectly well but I needed the new model well I needed some new shoes 2.9 one past experiences I've inherited some money but I haven't spent it Sally has never met Bill's ex-wife have you ever lost your credit card two recent past actions I've cut my finger too late our trainers just left three with yet and already I've already seen this film twice can't we watch another one my brother hasn't found a new job yet he's still looking have you finished your homework yet no not yet 2.10 they got married last year I didn't have time to do my homework what time did you wake up this morning 2.11 I've been to Madrid twice I went there in 1998 and 2002 I've bought a new computer I bought it last Saturday 2.2 [Music] hello and welcome to five minute money today we're talking about scams and scammers over 3 million people a year are victims of scams in the UK and they lose an average of £1,200 each so we all need to know what to look out for we're going to hear three listeners stories and for each scam we'll explain how to stay safe our first story is from Heather in Edinburgh a few months ago I got an email from a friend who was away in Berlin he said he'd lost his wallet and needed money to get home he asked me for my credit card details and I thought well he needs my help so I sent him a reply with my card number and everything but there was no reply and I L suspicious and I checked my credit card and somebody had stolen over £2,000 and of course I never got it back ah the friend abroad who needs help but it isn't really a friend it's a scammer who is using this friend's email account often this scam is obvious either because you know your friend isn't abroad or because the email has grammar and spelling mistakes so always be suspicious of any strange emails from Friends the next story is from Carl in Hastings I got an email saying that I'd won quite a lot of money in the lottery in Spain it looked official and some of it was in Spanish and last year I was on a holiday in Spain and I did buy a lottery ticket so I believed it so I emailed back and they replied and said the easiest thing was for me to send them my bank account details and they'd pay the money direct into my bank so I did and I feel so stupid saying this now and of course the next day my account was completely empty luckily it was the day before payday and I only had about £200 in there but I learned my lesson yes so again never believe an email or message saying you've won a lottery especially if you never bought a ticket our last story is from Paul in Bristol I just got back from work work it was about 6:00 and the phone rang and a very polite woman said it was Barkley's Bank security Division and that there was a problem with my account she said that somebody had tried to use my password online and that my account wasn't safe I was in the middle of buying a flat and I thought oh no this sounds bad because I had quite a lot of money in the account she said the best solution was to transfer all the money into a new account to make sure it was safe so she gave me an account number and an account name it was my name it was called Paul K new account and I thanked her and immediately after the call I went online and transferred all my money to this new account and that was the last time I saw it it was a real disaster I lost £20,000 and I couldn't buy my flat it's natural to cooperate if you think your bank is phoning you but your bank will never ask you on the phone to transfer money to another account if you get suspicious just hang up wait 10 minutes then phone your bank to check if it really was them so what's the most important thing to remember if you don't want to be the victim of a scam be very suspicious of strange emails from friends or from someone saying that you won a prize and the same for phone calls from your bank and above all never never give your bank account or credit card details to anybody either in an email or on the phone unless you are 100% sure who they really [Music] are 2 13 part one the charity adalante Africa was started in 2008 that summer a group of Spanish and British tourists had traveled to Uganda on Safari to see the mountain gorillas halfway through the trip in a small rural Village called igay yaa the Lorry they were traveling in broke down while a mechanic repaired the Lorry the group took shelter in a nearby building it was a primary school for Orphans children without parents but it was in terrible condition the walls were falling down the blackboards were broken and there weren't many desks but the children were wonderful very bright and friendly one of the tourists was a primary school teacher and she started teaching them English songs she was amazed at how quickly they learned when they left they asked the head teacher how they could help and he said what we need is a new school when the tourists arrived home from their holiday they decided to set up a charity to raise money to rebuild the school 2 years later on the 14th of March 2010 the new school opened with 75 children and since then adalante Africa hasn't stopped 2.14 part two I'm with Jane cadwalader the Secretary of adalante Africa hello hi Jane how long have you been working with adalante Africa well for over 10 years now since the beginning I was the teacher who sang songs with the children back in 2008 when the Lori broke down Jane tell us what adalante Africa has been doing since 2010 since the primary school was finished well we've done a lot our next major project was to build a children's home for the orphans who don't have anybody in their extended family who can look after them the Children's Home has been running since 2012 and now we have 57 children there but we also realized that if we wanted to help the local children we really needed to help their parents too our primary school was beautiful but many of the children were sick they had malaria or malnutrition so we started several small community projects for example we tried to help people to improve their diet by giving them seeds to plant a variety of vegetables most people in rural Uganda you see um don't eat fruits and vegetables except what they can find growing wild we've also been building water tanks to collect rain water so that they have cleaner water to drink and they don't have to walk the long distances to the nearest river and we've started a small Factory to make sunflower oil which has helped local farmers and also given some jobs to local people sunflower oil is much healthier than the palm oil that most people were using before so really we've helped the whole Community with this and are any of your new projects related to education absolutely in 2011 we started a fou group in IG gayaza fou stands for functional adult literacy so these are classes to teach adults mainly women to read and write and to speak English which is the official language in Uganda since then we've started 11 more file groups in other nearby Villages and our other big project is that we've just built a secondary school so that children from our primary school and the other local children can get a good secondary education we're very proud of it it's not quite finished yet though we need to raise more money in order to finish all the buildings and are all the volunteers the people who work with you from Britain and Spain no not at all there are a few of us from Europe who visit regularly but the people who make it all possible are the Ugandan volunteers without them we couldn't do anything in the future we hope that all the projects will be run by them and can you tell me about some of the children some individual cases let me think I know a good example John M he's a boy an orphan who was at the primary school when the Lorry broke down he was very bright and when he finished Primary in the new school he got very good grades and we sponsored him to go to secondary school he worked very hard there as well and did very well and now he's in the last year of nursing at a good nursing college and I also have to tell you about baby Rose she was brought to our children's home with her brother they were living alone in a hut with their mother who was dying of AIDS when they arrived Rose was a year old she was suffering from malnutrition and weighed only 5 kilos her little legs were so thin that we thought she'd never walk and she never ever smiled now one year later she's running around laughing and smiling since she came here she's changed completely into a healthy happy child so adalante Africa has really changed their lives yes it's changed their lives but it's also changed the lives of the people who work for Atlanta Africa most of us feel it's the most satisfying thing we've ever done have a look at the photos and videos on our website it's www.atlanta africa. org maybe it will change your life too 2.15 one Jane how long have you been working with adalante Africa two tell us what adalante Africa has been doing since 2010 three the Children's Home has been running since 2012 four we've also been building water tanks to collect rainwater five since then we've started 11 more foul groups six since she came here she's changed completely 2.16 they've known each other for 10 years Julia's had that bag since she was at University how long have you worked here since 1996 how long has your brother had his motorbike for about a year 2.7 one how long have you been learning English Nick has been working here since April they've been going out together for about 3 years two your eyes are red have you been crying no I've been chopping onions 2.8 one how long have you been learning French two I've been learning French for 3 years three how long has it been raining four it's been raining since lunchtime 2.19 1 it's snowing how long has it been snowing two I'm learning Russian how long have you been learning Russian three Susan is working in Italy how long has Susan been working in Italy four John is looking for a job hi how long has John been looking for a job five they're living with Mary's parents how long have they been living with Mary's parents six I'm going to salsa classes how long have you been going to salsa classes seven it's raining how long has it been raining eight John is going out with Emily how long has John been going out with Emily 2.20 one was Lisa's father angry about the car accident yes he was furious two is Oliver's flat small yes it's really tiny just a bedroom and a sitting room three are you afraid of flying yes I'm terrified I never fly anywhere four there was an interesting documentary about whales on TV last night yes I thought it was fascinating five are you very hungry I'm starving I haven't eaten all day six is your parents house big it's huge it has seven bedrooms seven was it hot in Dubai it was boiling 45° eight was Jack's Kitchen dirty it was filthy it took us 3 hours to clean it nine are your parents pleased about the wedding they're delighted in fact they want to pay for everything 10 was the film funny it was hilarious we laughed the whole way through 11 are you sure you locked the door I'm positive I remember turning the key 12 were you surprised to hear that Ted and Sonia have broken up I was absolutely amazed I never thought it would happen