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Love and MoneyStudy GuideSeason 1

Love and MoneySTUDY GUIDE CONTENTSJorge works at a fancy restaurant.He is “Employee of the Month.”The StoryPages 1 - 10ExercisesPages 11 - 25Helpful InformationPages 26 - 28DictionaryPages 29 - 30Dear Jorge / Dear SophiePage31AnswersPage32Sophie works at a nail salon.It’s their first date. Jorge thinks Sophie is rich.Sophie thinks Jorge is rich.Will they learn the truthabout love and money?Watch Read Learnwww.nyc.gov/WeSpeakNYCwe Speak NYc season 1Love & Money iii

The StoryThe First DateSophie thinks Jorge is rich.Jorge and Sophie have a date at a fancy restaurant.Jorge works there, but he doesn’t tell Sophie.Hello, Sophie.You look verybeautiful!Yes, um I know howto take care ofmy money.Only two years?Well! You areso successful!Thank you, Jorge.You lookreally nice, too.7182She asks about his bank.That is important.I’m so unhappywith my bank.Your table is ready,Mr. Ortega.I’m sure you havea very good bank.Which bankdo you use?93104Jorge doesn’t know what to say. He doesn’t have a bank account!Jorge, how longhave you livedin New York City?51 Love & MoneyMe? Oh,about two years.Um, I’m sorry.I’ll be right back.Oh, no!611we Speak NYc season 1we Speak NYc season 112Love & Money 2

Help!Yes, but tell heryou’ll talk about itanother time.Jorge runs to the kitchen. He asks his coworker, Abdul, for advice.Abdul, you’ve got to help me!She just asked meabout my bank!Your bank?!191320Back in the Dining Room14The dinner is free because Jorge is “Employee of the Month.”Jorge pretends to pay the bill.What do I do?What do I tell her?She thinks I’m rich!15Don’t worry.Tell her you have an account.A checking account!Please, let me pay.They know me here.You are sucha gentleman!162122Sue, the cook, also has advice for him.At Work the Next DayTell her you havetwo accounts.A checking account anda savings account.173 Love & MoneyJorge needs a bank account! Abdul agrees to help him.Jorge, come with me.We’ll go shoppingfor a good bank!18Jorge, change the subject.Tell her you don’t liketalking about businessat the dinner table.we Speak NYc season 1pretends acts likewe Speak NYc season 123Love & Money 4

Shopping for a Good BankThe bank manager thinks Jorge asks good questions.Jorge and Abdul go to a bank.Good question.We have a basic accountwhich costs a few dollars each month.It’s a good choice for many people.Every bank should have one.We offer checking accountsto pay your bills.Then, there are savings accountsto save for the future,if you want to buy a house, or 24What kind ofaccountsdo you have?Or openmy own business?2530Abdul,what do you think?31Jorge asks good questions.Abdul really likes this bank!Maybe I should openan account here.26Exactly.Lots of immigrants do.27Does it cost me anythingto keep my money here?The bank manager explains, and Abdul falls in love.Well, there are some fees.It depends onthe kind of account.32285 Love & Money29Do you have something simple,with no fees, that doesn’tcost me anything?we Speak NYc season 1we Speak NYc season 1Love & Money 6

A Few Days Later at WorkAbdul Has News, TooJorge has big news.Abdul explains aboutthe Earned Income Tax Credit (EITC).I don’t have to pretendto be rich. With this card,I can get 5,000.It’s a way to get moneyback from taxes.Check this out!I opened a bank account.Now I can get a credit card!33343839It’s called theEarned IncomeTax Credit.Sue gives Jorge good advice about credit cards and love.Forget the credit card.Sophie will love youfor who you are.35What are you talking about?You can get into a lot of troublewith a credit card.404136It’s free! No fee!Call 311.They’ll tell youhow to get it.How muchdoes it cost?42377 Love & Moneywe Speak NYc season 1we Speak NYc season 14344Love & Money 8

The Truth!Jorge and Sophie have learned a lot Jorge and Sophie go on a picnic in Central Park.This is great.I love this park.Maybe we don’t havea lot of money.But at least we havegood friends.No! I’m happy.I don’t havea lot of money either.I work at a nail salon.And being here with you,Sophie For me,this is perfect.514546Are you sureyou wouldn’t prefera fancy restaurant?52I feel that way too,Jorge.They get to know each other better.47 about love and money.I really like you,Jorge.It looks likewe both found out a lot.48No. Are you sureyou wouldn’t prefer that?I thought you went to thatfancy restaurant all the time.5354I really like you, too.Jorge tells Sophie the truth.I work there.55499 Love & MoneyI do go thereall the time.50Are you disappointed?we Speak NYc season 1we Speak NYc season 1Love & Money 10

Lesson 1Who We AreComplete the sentences. Follow the example.Abdul bank manager Jorge Sophie 4. My name isSue.I am a cook at the restaurant. I also trainnew workers and tell them about their rights.I give Jorge advice about money. And I helphim with his love life!1. My name isJorge.I work as a waiter at a restaurant. I like my joband the people I work with. I also like Sophie.I’m surprised when she asks me about my 5. I am thebank. I put my money under the bed!.Jorge asks me good questions aboutbank accounts. I think Abdul likes me.Maybe I like him, too.2. M y name is.I am also a waiter at the restaurantwhere Jorge works. Jorge is a great guy.Everyone likes him. I’m glad to help him.Here is another character in Love and Money.Watch the show. See who she is. See what she does.My name is Rose.I work at the nail salon withSophie.I give her adviceabout love and money.3. My name is.I work at a nail salon. I go on a date withJorge to a fancy restaurant. I think he’srich. I don’t even have a bank account!Maybe I should ask him about his bank.train teachrights what the law says everyone should havecharacter a person in a story11 Love & Moneywe Speak NYc season 1we Speak NYc season 1Love & Money 12

Lesson 2Lesson 3What Happens?Where Is It?Complete the sentences. Follow the example.Find these things in the story.Write the page number(s). Follow the example.doesn’t have doesn’t tell gets invitesis runs thinks works1.Jorge2.Heworksat a fancy restaurant.a free dinner because he is “Employee of the phie to the restaurant for dinner.their first date.Sophie that he works at the restaurant.Jorge is rich, and she asks him about his bank.a bank account!page 11.menu2.pots and pans3.telephone4.computer keyboard5.employee time cardsto the kitchen to ask his friend, Abdul, for help.asks falls in love go is like opens tells9.nuThe next day, Jorge and Abdul10. At the bank, Jorgeto a bank.a lot of questions.11. Abdulwith the bank manager.6.EITC brochure12. Jorgea bank account.7.picnic basket13. On their second date, JorgeSophie thathe works at the restaurant.14. Sophiehappy because she doesn’t have a lot ofmoney either.15. Sophie and Jorge13 Love & Moneybrochure printed informationeach other a lot.we Speak NYc season 1we Speak NYc season 1Love & Money 14

Lesson 4Lesson 5Talking about MoneyTalking about MoneyFind the meaning. Follow the example.Complete the sentences. Follow the example.Does it cost meanything to keepmy money here?How muchdoes it cost?account1.bank charges for a service(in a bank, for example)2.to pay3.fees4.save5.checking accounta list of fees or charges6.savings accounta bank account to pay bills7.freegive money to buy something8.bill 0, no chargekeep for the future1dollarsJorge:feesbusiness futurechecking accounts savings accountscost simpleWhat kind of accounts do you have?Bank Manager: We offer (1)checking accountsto pay your bills.Then, there are (2) a safe place to keep your money a bank account to keep moneyfor the future (3)to save for the, if you want to buy a house, or Jorge:Or open my own (4)Bank Manager:Exactly. Lots of immigrants do.?Jorge: Does it (5)keep my money here?me anything toBank Manager: Well, there are some (6)on the kind of account. It dependsJorge: Do you have something (7)that doesn’t cost me anything?, with no fees,Bank Manager: Good question. We have a basic bank account which costsa few (8)15 Love & Moneywe Speak NYc season 1Jorge:Abdul, what do you think?Abdul:Maybe I should open an (9)we Speak NYc season 1each month. It’s a good choice.here.Love & Money 16

Lesson 6Lesson 7Talking about MoneyTalking about WorkSue is training new employees. She is telling the workersabout the restaurant and about their rights.Everyone gets training, so nobody gets hurt.We all work together. We all take care ofWhat do I do?What do I tell her?She thinks I’m rich!each other. Everyone gets paid what they aresupposed to get paid—cooks, dishwashers,waiters, busboys. Nobody gets cheated.should It is a good idea.shouldn’t It is not a good idea.What are the employee’s responsibilities? What arethe employer’s responsibilities? Follow the examples.Employee’s Employer’sResponsibilities ResponsibilitiesCircle should or shouldn’t . Follow the example.1. Youshould / shouldn’t open a savings account to save yourmoney. Put a little money in it every month.2. YouAsk questions when you don’t understand.should / shouldn’t be afraid to ask questions at the bank.Ask for an explanation when you don’t understand.3. Youshould / shouldn’t ask a bank worker about fees when youopen a new account. Ask for a list of fees.4. Youshould / shouldn’t try to pay your credit card bills right away.Try not to get in debt.5. YouCall in if you are sick.Follow the safety rules.Keep the workplace safe.Pay minimum wage or more.Pay overtime.should / shouldn’t give your money to anyone to open a bankaccount for you. You have to open your own account!6. YouArrive on time.should / shouldn’t open a checking account to pay yourTrain the workers.Wear a uniform.bills and to cash checks. Ask about a checking account with no feesor low fees.employee workeremployer person or company you work forresponsibilities things you must doin debt when you owe money17 Love & Moneywe Speak NYc season 1we Speak NYc season 1Love & Money 18

Lesson 8Lesson 9Good Question!Good Question!Put the words in order.Follow the example.1.you use Which dobank Which bankdo you use?Which bank do you use?2.What do you think?How muchdoes it cost?What kind of accountsdo you have?What can you ask? Follow the example.accounts you do have What kind of ?1.You are Jorge. Ask Abdul’s opinion.What do you think?3.How4.the5.think it does costare fees What you What do much ?2.You are Sue. Ask Abdul the price of something.3.You are Jorge. Ask the bank manager about accounts.4.You are Sophie. Ask Jorge about his bank.?Say the words out loud—like actors on TV!19 Love & Moneywe Speak NYc season 1we Speak NYc season 1Love & Money 20

Lesson 10Lesson 11What Can You Say?Match the problem with the best solution. Follow the example.Don’t worry.You lookvery nice.What Can You Do?ProblemI really likeyou.How longhave you livedin New York City?1. You pay a big fee tocash your paycheck.SolutionA isit more than one bank with a listVof questions. Ask the questionsthat Jorge asks. Take notes on theanswers.BCall 311 and ask for informationabout the EITC.CAsk your bank for a list of all fees.Then visit other banks and askthem about their accounts andfees.DOpen a checking account.You can cash checks for freeat many banks.EOpen a savings account.Call 311 and ask for informationabout starting a business.What can you say? Follow the example.1.You are Sophie. Tell Jorge he looks good.You look very nice.2.2. You want to save moneyto open a business.You are Abdul. Tell Jorge to relax. Everything will be fine.3.3.You are Sophie. Ask Jorge how many years he has been here.4.You are Jorge. Tell Sophie how you feel about her. You don’t know muchabout banks.4. You want to find outif you can get theEarned Income Tax Credit.5. You are paying a lot of feesat your bank.Say the words out loud—like Jorge, Sophie and Abdul!21 Love & Moneywe Speak NYc season 1we Speak NYc season 1Love & Money 22