33. Is it better to enjoy your money when you earn it oris it better to save your money for some time in thefuture? Use specific reasons and examples to supportyour opinion.

“Save it for rainy day.” That’s my motto. When I have a choicebetween spending my money or putting it in my savingsaccount at the bank, I always put it in the bank.I will have a lotof expenses in the future like my education, travel, and unforeseen emergencies. I need to havemoney set aside for these expenses.

Education is expensive. I can’t depend on my parents to pay all my bills. I have tuition, room andboard, books, and incidental expenses to pay for. I’ll try to get a scholarship to cover some ofthese costs, but I know I will be responsible for a lot of the expenses. If I spend my money now, Iwon’t be able to pay for my education. I need to save money for my education.

Travel is also very expensive. I don’t mean vacation travel. I mean travel to get to and fromschool. Transpacific airfare costs a lot even special reduced fares. I first have to get to school andthen, of course, I want to return to my family for important festivals and occasions. Going backand forth will be costly, but worth it. I need to save money for these trips.

Emergencies could arrive at any moment. I might have an unexpected illness while I am at school. There might be costs that won’t covered by the school insurance. One of my family members mayneed help, I will have to send them money. You can’t predict emergencies like this, but you can beprepared. I need to save money for these emergencies.

When you are not rich, you cannot spend your money carelessly. You must plan ahead. I know inmy life, I will have expenses for my schooling and for travelling to and from my home. I know thatI will also have unexpected expenses related to unforeseen emergencies. I must be prepared. Ineed to save money for these events.

34. You have received a gift of money. The money is enough to buy either a piece ofjewelry you like or tickets to a concert you want to attend. Which would you buy? Usespecific reasons and details to support your answer.

The choice between spending money on tickets to a concert or spending money on jewelry is aneasy one. Given this choice, I would buy jewelry. The reasons are obvious, jewelry is aninvestment; it is permanent; and it is fashionable.

Jewelry like a gold bracelet for example is a very good investment. It is important for women( andfor man, too) to have gold jewelry. If you have some serious financial problem, you could alwayssell your jewelry to help you over any rough spots. You could not sell your used concert ticket.

Jewelry, unless you sell it, is permanent. You always have it ware. Each time you put it on , you willremember the day you bought it. It will give you pleasure for years and years. You could not wearthe ticket stub from the concert.

Jewelry is very fashionable. I would feel very smart wearing a beautiful gold bracelet or diamondpin. People would comment and tell me how much they loved my jewelry. They would complimentme on my good taste.

I would feel very rich with my jewelry. I would have a good investment which is permanent andfashionable. Then, when someone invites me to a concert( and pays for my ticket), I will havesomething beautiful to wear.