Business (Expert Chapter 1)｜ビジネス会話（上級１章）Lesson21: Understanding an article about getting out of debt

PART A_1

Let’s learn vocabulary. Listen and repeat the words and the sentences with your tutor.

PART A_2

1.　accumulation
	-an amount of something that has been collected
	When a quantity of something is added to or increased over time, it is called accumulation.
2.　numerous
	-many
	Numerous attempts have been made to improve the organization.
3.　loan
	-an amount of money that is borrowed, often from a bank, and has to be paid back, usually together with an extra amount of money that you have to pay as a charge for borrowing
	The bank finally granted me a ￡400 loan.
4.　interest
	-money that is charged by a bank or other financial organization for borrowing money
	Interest on loans is usually quite high.
5.　principal
	-an amount of money that someone has invested in a bank or lent to a person or organization so that they will receive interest on it from the bank, person, or organization
	The principal that he borrowed was 20,000 dollars.

PART A_3

Let’s make sentences using the vocabulary we’ve just learned.

PART A_4

1. accumulation
Answer:
2. numerous
Answer:
3. loan
Answer:
4. interest
Answer:
5. principal
Answer:

PART B_1

Let’s read the article. Please read it aloud, and I will check your pronunciation and intonation.

PART B_2

Three Easy Steps to Getting Out of Debt

Many people find themselves in debt. The majority of the time, it’s due to the accumulation of bills and loans. Even so, there are numerous options for getting out of debt. Here are three options for doing so. The first method is to create a budget. Find out how much you spend in a month and how you might save money. Budgeting can help you get out of debt in this way. The second option is to consider how you will divide your payments.

Pay more than the minimum amount owing on each debt if you have extra cash. Remember: the obligation with the highest interest must be paid off first. It is the most effective long-term debt relief strategy.

The third option is to pay off the obligation that has the smallest principal first. Seeing a principal decrease to zero encourages people to continue saving to pay off additional obligations.

When you’ve paid off all of your debts, you’ll be able to put more money aside and use it for more important things in the future.

PART B_3

Please summarize the text using your own words and expressions.

PART B_4

PART C_1

Let’s do a roleplay. Talk with me according to the situation below, using the expressions you just learned.

PART C_2

You are researching for your company’s finance lecture on how to get out of debt. Share the facts you gathered with a coworker. Use the expressions you learned today. Your tutor will be your co-worker.

PART C_3

PART D_1

Let’s discuss today’s theme. Please answer the questions below.

PART D_2

1.	Is it even achievable to be debt-free? Please explain your answer.
2.	What are the benefits of living a debt-free lifestyle?

REVIEW AND FEEDBACK

Now, let us review the things that you learned in this lesson.

ではこのレッスンで学んだことを振り返りましょう。

(Please give a short feedback on how your student did in your class.)

	Grammar 文法	Pronunciation 発音	Vocabulary 単語	Comprehension 理解
GOOD	文法の誤りはほとんどなく、完全な文章で話すことができる	ほとんどの単語をはっきりと正しく発音することができる	習った表現を適切に使うことができる	文章を理解し、質問に正しく答えることができる
FAIR	文法の誤りはあるが、完全な文章で話すことができる	発音の練習が必要な言葉がいくつかある	たまにミスはあるが、習った表現を適切に使うことができる	文章を完全に理解するのは難しく、質問に正しく答えられないときもある
POOR	文章で話すのは難しく、単語だけで話すことができる	発音の練習が必要である	習った単語と表現を少しだけ使うことができる	文章を理解するのは難しく、質問に答えるのは難しい

TUTOR FEEDBACK

GRAMMAR
Good:	Was able to speak in complete sentences with minimal grammatical errors.
Fair:	Was able to speak in complete sentences with evident grammatical errors.
Poor:	Was able to speak using words only.
PRONUNCIATION
Good:	Was able to pronounce most of the words clearly and correctly.
Fair:	Mispronounced a few words.
Poor:	Mispronounced most of the words.
VOCABULARY
Good:	Used appropriate expressions learned in class.
Fair:	Used appropriate expressions learned in class and made a few errors in word choice.
Poor:	Used only a few words and expressions.
COMPREHENSION
Good:	Was able to understand the passages and answer the questions correctly.
Fair:	Had a little difficulty in understanding passages and answering questions.
Poor:	Had a hard time understanding passages and answering questions.