1. LODESTAR INSTITUTE
Spoken & Pronunciation Course 195
Part 01 Pronunciation skills
Lesson 1.1
Rhythm and Rhythmic pattern
 The rhythm is a language in created by the strong stresses or syllables in
sentences
 Conversational English is more rapid and less precise than formal
speech.
 English speakers often speed up and reduce unstressed words or
syllables in sentences.
Example
 English speakers link words together into phrases that are separated by
phone
 Improperly used pauses and stress pattern by cause our listeners to
misunderstand us.

2. LODESTAR INSTITUTE
Spoken & Pronunciation Course 196
Importance
 Effective use of rhythm will help you the reader achieve more natural
sounding speech and be better understand
Base
English rhythm based on not only word stress but also sentence stress
Here Un indicates unstressed syllable and Str indicates stressed syllable.
Rhythmic Pattern – 1 Str Un
1. Help me
2. Leave us
3. Throw it
4. Take them
5. Follow her
Rhythmic Pattern – 2 Str Un Un
1. Ask for it
2. Talk to me
3. Pay for it
4. Write to him
5. Fill it up
Rhythmic Pattern – 3 Str Un Un Str
1. Collect it for me
2. Get it for them
3. Find it for us
4. Tell it to her
5. Buy some for him
Rhythmic Pattern – 4 Str Un Str Un
1. She’s got her book
2. It’s time for tea
3. He’s gone to school
4. They fought a gain
5. We ought to live

3. LODESTAR INSTITUTE
Spoken & Pronunciation Course 197
Rhythmic Pattern – 5 Str Un str Un
1. Run for the life
2. Look at the gate
3. Stand for the truth
4. Give him a book
Rhythmic Pattern – 6 Str Un Un Str Un Str
1. We pray to Allah at dusk
2. She wants to buy a pen
3. You ought to know the way
4. I think he wants to go
5. He wants to buy a pen
Rhythmic Pattern – 7 Str Str
1. Bengali language
2. Move first
3. Very slow
4. Talk loud
5. Change soon
Rhythmic Pattern – 8 Un Un Str
1. A blue bird
2. The white cow
3. A green path
4. To try hard
5. A sharp knife
Rhythmic Pattern – 9 Str Un Un
1. I think so
2. He looks up
3. In summer
4. They come in
5. A lot of

4. LODESTAR INSTITUTE
Spoken & Pronunciation Course 198
Part 02 Spoken Skills
Lesson 3.3
LESSON FAR FROM THE MADDING CROWD
Saint Martins
Location: Bangladesh
Information:
St. Martin's Island is a small island in
the northeast part of the Bay of
Bengal, about 9 km south of the tip of
the Cox's Bazar- Teknaf peninsula,
and forming the southernmost part of
Bangladesh. It is the only coral island
in Bangladesh. It is about 8 km west
of the northwest coast of Myanmar at
the mouth of the Naf River. The local name of the island is "Narical Gingira", also spelled
"Narikel Janjina/Jinjera", translated from Bangla, meaning 'Coconut Island'. St. Martin's
Island has become a popular tourist spot.
• Afnan wishes to go for holidays to St. martin Islands and try under water driving .
• Tajriyaan has posted some of the exotic pictures of cox’z Bazar.
• Saanyaan has posted a BBC quiznet link for holidays.

5. LODESTAR INSTITUTE
Spoken & Pronunciation Course 199
Activity1: Write on the wall of “ Far from the madding Crowd”. Have you ever
visited Saint martin Island or Cox’z Bazar beach. Write how you felt when you had
first landed there as a tourist.
Activity2: Reading: Individual task
Reading, Writing and Speaking task
Travel and Holidays
1.Read the passage on Travel and Holidays given below. Decide which answer (A, B, C or
D) best fits each space. First one is done for you as example.
Most people enjoy going (1) C.abroad for their holidays and having the opportunity to
_______in an interesting city or a seaside _____________. If you speak______________
languages, you can make new friends, and______________ home some interesting
_______________ as presents. But before you can do that, you have to
_______________your destination, and that is often a problem! If you fly, then you may
find that your flight has been _________________ _________________ by train can also
be difficult, since trains are often _________________ in the summer, and you might
have to reserve a _____________ in advance. Whichever way you __________________
you can have problems with your ________________ and it is often difficult to find good
___________________ Apart from this, you might not be able to afford the
________________

6. LODESTAR INSTITUTE
Spoken & Pronunciation Course 200
SET- A SET-B SET-C SET-D
Out
remain
resort
strange
fetch
memories
reach
waited
journeys
filling
post
voyage
baggage
staying
fare
forward
pass
post
stranger
stake
souvenirs
arrive
reversed
Travels
occupied
chair
travel
luggage
homes
fair
abroad
spend
too
foreigner
go
memories
go
delayed
Voyages
overdone
seat
trip
goods
lodges
far
foreign
stay
one
foreign
get
recollections
travel
booked
passes
crowded
position
tour
sacks
accommodation
fur
Activity3: Group Discussion
Talk on a word
Your Dream vacation!
Direction: Following is a list of things you may wish to do in your dream vacation.
Mountaineering-Hiking-Trekking-Mountain biking-
Fishing -River rafting-Skiing-water scooter riding-
Sunbathing -Sea surfing-Bungee jumping-Sky diving-
Para gliding -Riding in a balloon -Scuba diving

7. LODESTAR INSTITUTE
Spoken & Pronunciation Course 201
Choose any one activity from the above list. Illustrate in your own words about the
activity you have chosen with the following inputs:
 What is the activity you want to do?
 Explain how this is done.
 Why are you so fascinated by the particular activity?
 What is an ideal site for this fun sports activity?
 Where would you go to try this?
 Have you tried it before?
 Do you think this as dangerous?
 What precaution one should take while trying the activity?
Activity.4: Grammar and Usage
Complete each sentence with a word from the box. Use each word once only. First one is
done for you as example.
after /for /off /in /out /up /down
a) The car broke down in the mountains, and we could not find a garage.
b) James had to set___________ at dawn to catch the early train.
c) Sue's bike passed me, and I had to ride fast to catch____________ with her.
d) I arrived at the airport, checked ________, and then had some coffee.
e) We were heading __________________ Paris, but we were not in a hurry to get there.
f) Jill ran out of money ______________a week, and had to go home.
Activity5: Pair work
Situation:
You are going to plan a trip to some of the exotic place listed below. But you do not know
how to get there. First, form one pair who would act out as a travel guide and a tourist
seeking information.

8. LODESTAR INSTITUTE
Spoken & Pronunciation Course 202
Now Act out a dialogue in pair how you gathered all the information about making a trip
to the exotic place for your dream vacation. Include in your conversation about all the
activities and adventure sports available there for your amusement.
1) Ask Info. On:
Reservation-Cancellation Departure-Arrival Aero plane-
Runway
Waterway-sea Eight hour-journey Bus-Train
Places of interest cheaper-expensive
2) Places you may choose from following destinations:
 Cox’z Bazar (Bangladesh) –
 Sundarbans (Bangladesh)-
 Tajmahal (India)-
 Twin- Tower(Malaysia)-
 Bali(Indonesia)—
 Eifel Tower(Paris)-
 Buckingham Palace(England)-
 Statue of Liberty (New York, U.S.A)-
 Venice, Italy-Tokyo,
 Japan-Kuakata (Bangladesh)

9. LODESTAR INSTITUTE
Spoken & Pronunciation Course 203
Activity 6: BBC QUIZ
Take the quiz posted on the link below. Then discuss with your partner about
possible correct answers.
Source: Quiznet © BBC Learning English
bbclearningenglish.com
1. The first thing to do when arranging a holiday is to decide on the _______________.
a) location b) destination
c) place d) situation
2. Don't forget to ______________ a taxi to take you to the airport.
a) book b) buy
c) rent d) reserve
3. Before you leave home make sure you have all your travel ______________ .
a) paper b) permissions
c) passports d) documents
4. I always _____________ travel insurance for peace of mind.
a) take on b) take off
c) take in d) take out
5. One thing they say about travelling is that it ______________ the mind.
a) widens b) enlarges
c) strengthens d) broadens
6. If you've travelled around many time zones you might suffer from _____________.
a) travel-sleep b) plane-tiredness
c) jet-lag d) holiday-fatigue

10. LODESTAR INSTITUTE
Spoken & Pronunciation Course 204
Part 03 Practical Session
Lesson 3.1
Speech Demonstration Skills (Cue Cards)
Choose your topic and have preparation for five minutes and then deliver your
speech in front of audience. (3 minutes each)
Teacher
What to say How to say (key words)
 Describe a teacher who has greatly influenced you in
your education.
 You should say:
 Where you met him
 What subject he taught
 What was special about him?
 and explain why this person influenced you so much.
Book
What to say How to say (key words)
 Name some of the books of Bangladesh.
 Name the writers.
 What type of books do children like?
 What is the importance of books?
 What types of books do you like? Why?
Leisure interest
What to say How to say (key words)
 What is you leisure interest?
 What do you do?
 What makes you enjoy the activity?
 Why is the activity important to you?
Now it’s your turn !!!

11. LODESTAR INSTITUTE
Spoken & Pronunciation Course 205
Part 04 Additional study materials (Not for Class)
Lesson 4.1
1.1 Vocabulary chorus from flash card : (oral test)
No. Words/Expressions Meaning Make sentences by your own
01. Breathe out wbtk¦vm †djv
02. Scold Mvwj MvjvR Kiv
03. Sneeze nuvwP †`qv
04. Foresight `~i`kx©
05. Foresight ness `~i`wk©Zv
06. Black days/ evil days `yw`b
07. Palmy days myw`b
08. Heart-pouring love ü`q wbsiv‡bv fvjevmv
09. Heart-touching story ü`q ¯úkx© Mí
10. Seductive smile g‡bvgy»Ki nvwm
Lesson 4.2
Useful Expressions
Learn the following expressions and make sentences by your own.
1.2 Everyday words from vocabulary book:
No. Expressions Meaning Sentences
01. Give up the matter (welqwU ev` `vI†Zv) Give up unnecessary works./(AcÖ‡qvRbxq KvR ev` `vI)
/Give up your bad habits./(Lvivc A‡f¨m `~i Ki)
02. Get down to work (†`wi bv K‡i KvR
ïiæ Kiv)
Let’s get down to work.
(Pj †`wi bv K‡i KvR ïiæ Kwi)
03. Have every reason to (h‡_ó KviY Av‡Q) I have every reason to tell you this.
04. Have every right to (h‡_ó AwaKvi Av‡Q) I have every right to govern (kvmb Kiv) you.
05. Have no right to/
Have no reason to
(†Kvb AwaKvi †bB/
(KviY †bB BZ¨vw`)
I have no right to scold (eKv †`qv) you.

12. LODESTAR INSTITUTE
Spoken & Pronunciation Course 206
Lesson 4.3
Expressions for artful speaking
(Adj + enough)
Confident enough h‡_ó AvZœwek¦vmx Optimistic enough h‡_ó Avkvev`x
Pessimistic enough h‡_ó ˆbivk¨ev`x Happy enough †ek myLx
Lucky enough h‡_ó fvM¨evb Bright enough h‡_ó †gavex
Delighted enough LyeB Avbw›`Z Shocked enough LyeB e¨w_Z
Interesting enough h‡_ó Avb›``vqK Interested enough h‡_ó AvMÖnx
Boring enough h‡_ó weiw³Ki Bored enough h‡_ó wei³
Exciting enough h‡_ó D‡ËRbvKi Excited enough h‡_ó D‡ËwRZ
Surprising enough h‡_ó we¯§qKi Surprised enough h‡_ó wew¯§Z
Depressing enough h‡_ó nZvkv`vqK Depressed enough h‡_ó welbœ
Confusing enough h‡_ó wØavKi Confused enough h‡_ó wØavwš^Z
Lesson 4.3
Curb (`gb Kiv) without caring (AvMÖvn¨ K‡i)
Overall Improvement (mvgwMÖK DbœwZ) Undue (AbvKvw•LZ)
Optimum utilization (m‡e©v”P e¨envi) Respective duty (wbR wbR `vwqZ¡)
Ensure accountability (Revew`wnZv wbwðZ Kiv) Hostage (wRw¤§)
Prevailing (weivRgvb) To meet the demand (`vwe †gUv‡bv)
In some cases (wKQz wKQz †¶‡Î) Well – to – do/ solvent (¯^”Qj)
For fear of (f‡q) For the sake of (LvwZ‡i)
Bring out silent procession (†gŠYwgwQj †ei Kiv) stringent enforcement of law (AvB‡bi K‡Vvi cÖ‡qvM)
Bring back transparency (¯^”QZv wdwi‡q Avbv) Law and order situation (AvBb k„•Ljv cwiw¯’wZ)
With blessings from the ruling party (miKvwi `‡ji Avkxe©v`cyó)

13. LODESTAR INSTITUTE
Spoken & Pronunciation Course 207
Part 01 Pronunciation skills
Lesson 1.1
If there is ‘age’ at the end of any words it will sound like//BS or / GBS
No. Words/phrases Transcriptions Make sentences by your own
01. Village 
02. Knowledge 
03. College 
04. Message 
05. Passage 
06. Cottage 
07. Luggage 
08. Baggage 
09. Manage 
10. Coverage 
11. Marriage 
12. Language 
13. Average 
14. Bandage 
16. Disadvantage 
17. Age 
18. Page 
19. Engage 

14. LODESTAR INSTITUTE
Spoken & Pronunciation Course 208
Inflection
1. If the final sound of the verb’s infinitive is a vowel or voiced consonant
except / the past tense and the past participle are
formed by adding . For example:
 To carry -------- Carried 
 to hurry  -------- hurried 

2. If the final sound of the verb’s infinitive are a vowel or voiceless
consonant , except  the past tense verbs and the past
participle are formed by adding /. For example:
 To stop -------- stopped 
 to talk : -------- talked 
3. If the final sounds of the verb’s infinitive end in /-t/ or /-d/, the past tense
verbs and the past participle are formed by adding /-id/. For example:
 To paint-------- painted 
 to want  -------- wanted
4. If the final sound of the noun’s singular or the verb’s infinitive (to + PV
pre. form) is a vowel or a voiced consonant (except
 the ending is formed by adding /-z/. For example:
 City -------- cities
 Saw  -------- saws
 tub -------- tubs 

5. If the final sound of the noun’s singular or the verb’s infinitive is a
voiceless consonant ( except  the ending is formed
by adding For example:
 drop------- drops 
 pot  -------- pots 
 month -------- months 

15. LODESTAR INSTITUTE
Spoken & Pronunciation Course 209
6. If the final sound of the noun’s singular or the verb’s infinitive ends in the
ending is formed by adding  For example:
 Bus------- Buses
 match  -------- matches 
 to kiss --------she kisses 
 to match -------- he matches 
7. If the final sound of a comparative form is “er” and a superlative form is
“est” then the last sound will be and For example:
 high------- higher------- highest
long------ longer------ longest
Lesson 2.1
If there is ‘ded’ at the end of any words it will sound like//wWW
No. Words/phrases Sentences
01. Preside–presided (mfvcwZZ¡ Kiv) He presided over the programme.
02. Found – founded (cÖwZôv Kiv) He founded model school in his locality.
03. Attend – attended (Dcw¯’Z _vKv) I attended the seminar titled “English for better career”
04. Add – added (†hvM Kiv, e„w× Kiv) He added an educative story in my lecture.
05. Include – included (Aš—f~©³ Kiv) I included my name in an organization for social work.
06. Avoid – avoided (Gwo‡q Pjv) I avoided the spoiled boys (eLv‡U †Q‡j) in my university life.
07. Divide – divided (wef³ Kiv) Some politicians divided the nation for their own interest.

16. LODESTAR INSTITUTE
Spoken & Pronunciation Course 210
Part 02 Spoken Skills
Lesson 2.1 (fluency process)
Fluency in Completing sentences
Too …..to
He is too old to work
The problem was too difficult to me to solve
So …..that
He is so old that he can not work
The problem was so difficult that I could not solve.
So that (hv‡Z)
He reads more so that he can make a good result.
I went there so that I could meet him.
In order that (so that Gi gZ A_© e¨envi)
He reads more in order that he can make a good result.
I went there in order that I could meet him.
If (hw`)
If you come, he will go.
If you came, he would go.
If you had come, he would have gone.
Unless (hw` bv)
He won’t go unless you come.
Unless you read attentively, you will fail.
Lest (cv‡Q fq nq †h)
Run fast lest you should miss the train.
I behave with him well lest he should leave me.

17. LODESTAR INSTITUTE
Spoken & Pronunciation Course 211
Till (ch©š—)
Wait till the rain stops.
I will till he comes.
Until (ch©š—)
Wait until the rain stops.
I will until he comes.
As long as (hZ¶b bv ch©š—)
Wait here as long as it rains.
I will wait here as long as he comes.
Though (hw`I)
Though he is poor, he is honest.
Although (hw`I)
Although he is poor, he is honest.
Since (‡h‡nZz)
He did not come to AEC since, he was ill.
Because (Kvib)
He did not come to AEC because, he was ill.
As (‡h‡nZz)
He did not come to AEC as, he was ill.
In spite of (m‡Z¡I)
In spite of his poverty, he is honest.
He is honest in spite of his poverty.
Despite (m‡Z¡I)
Despite his poverty, he is honest.
He is honest despite his poverty.
In stead of (cwie‡Z©)
In stead of zoology she took English.

18. LODESTAR INSTITUTE
Spoken & Pronunciation Course 212
Because of (Kvi‡b)
He loves you because of your honesty.
On account of (Kvi‡b)
On account of his weakness, he did not come here.
Due to (Kvi‡b)
I did not go out at night due to darkness.
Would rather …….than (eis)
I would rather die than beg.
Would sooner …….than (eis)
I would rather die than beg.
Had better (eis)
You had better go now.
No sooner…..than (Ki‡Z bv Ki‡Z)
No sooner had he come than I went away.
No sooner does he come than I will go.
Scarcely.…. When (Ki‡Z bv Ki‡Z)
No sooner had he come than I went away.
No sooner does he come than I will go.
Hardly ….. when(ch©š—)
No sooner had he come than I went away.
No sooner does he come than I will go.
It is time (GLbB mgq)
It is time to do the work.
It is time we learnt English.
As if (‡hb)
You speak as if you were expert in English.

19. LODESTAR INSTITUTE
Spoken & Pronunciation Course 213
As though (‡hb)
You speak as though you were expert in English.
Let alone (wPš—v Kiv hvqbv)
He can not speak even Bangla, let alone English.
Relative pronoun (Who, Which, What)
I know the man who came yesterday.
The place …..where (ch©š—)
Uttara is the place AEC is.
The time …. When (ch©š—)
8.30 is the time when I go to AEC
So much / So many (A‡bK)
He has so much money that he can buy a car.
There are so many stars in the sky.
In case (hw`)
I want to in case he comes.
I’ll carry an umbrella in case it rains.
I wish (hw`)
I wish I were expert in English.
Would you mind
Would you mind telling me your name?
Would you please
Would you please tell me your address?

20. LODESTAR INSTITUTE
Spoken & Pronunciation Course 214
NO. Structure Meaning
1 He is too tired to walk †m GZB `ye©j †h nvU‡Z cv‡ibv
2 He is so tired that he can not move †m GZB `ye©j †h bo‡Z cv‡ibv
3 I learn English so that I can get a good job Avwg Bs‡iRx wkwL hv‡Z fv‡jv PvKix cvB
4 If you come, I will go. hw` Zzwg Avm Zvn‡j Avwg hve
5 If you came, I would go. hw` Zzwg Avm‡Z Zvn‡j Avwg †hZvg
6 If you had come, I would have gone. hw` Zzwg Avm‡Z Zvn‡j Avwg †hZvg
7 I won’t go unless you come. hw` Zzwg bv Avm Zvn‡j Avwg hvebv
8 Study hard lest you should fail the exam. K‡Vvi cov‡kbv Ki cv‡Q hw` †dj Ki
9 I will wait until you come. Avwg A‡c¶v Kie hZ¶b bv Avm
10 I will wait till the rain stops. e„wó _vgv ch©š— Avwg A‡c¶v Kie
11 I will wait as long as you come. Avwg A‡c¶v Kie hZ¶b bv Avm
12 Though he is poor, he is honest. hw`I †m Mwie, †m mr
13 Although he is poor, he is honest. hw`I †m Mwie, †m mr
14 I couldn’t come to AEC since I was ill. Amy¯— _vKvi Kvi‡b Avwg GBwm †Z Avm‡Z cvwiwb
15 I couldn’t come to AEC because I was ill. Amy¯— _vKvi Kvi‡b Avwg GBwm †Z Avm‡Z cvwiwb
16 I couldn’t come to AEC as I was ill. Amy¯— _vKvi Kvi‡b Avwg GBwm †Z Avm‡Z cvwiwb
17 In spite of his poverty, Samim is honest. `wi`ªZv m‡Z¡I kvwgg mr
18 In stead of Bangla, she took English. evsjvi e`‡j †m Bs‡iRx wb‡qwQj
19 I love you because of you honesty. ‡Zvgvi mZZvi Rb¨ †Zvgv‡K Avwg cQ›` Kwi
20 On account of my illness, I couldn’t come. Amy¯—Zvi Kvi‡b Avwg Avb‡Z cvwiwb
21 I couldn’t come, due to illness. Amy¯—Zvi Kvi‡b Avwg Avb‡Z cvwiwb
22 I would rather die than beg. Avwg gie ZeyI we¶v Kiebv
23 You had better go now. ‡Zvgvi eis GLb hvIqvB fvj
24 It is time to go. GLbB mgq hvIqvi

21. LODESTAR INSTITUTE
Spoken & Pronunciation Course 215
Part 03 Practical Session
LESSON-9 BANKER TO THE POOR
Dr. Muhammad Yunus
Affiliation: Grameen Companies
Location: Grameen Bank Bhavan,
Mirpur-1
Dhaka, Bangladesh
Phone: 880-2-9005257-69
Birthday: June 28, 1940
Displaying 1 story
Muhammad Yunus, pronounced
Muhammôd Iunus; born 28 June 1940
is a Bangladeshi economist and founder
of the Grameen Bank, an institution that
provides microcredit (small loans to
poor people possessing no collateral) to
help its clients establish
creditworthiness and financial self-sufficiency. In 2006 Yunus and Grameen received the
Nobel Peace Prize "for their efforts through microcredit to create economic and social
development from below". Yunus himself has received several other national and
international honors.
He is a member of advisory board at Shahjalal University of Science and Technology.
Previously, he was a professor of economics at Chittagong University where he developed
the concepts of microcredit and microfinance. These loans are given to entrepreneurs too
poor to qualify for traditional bank loans. He is the author of Banker to the Poor and two
books on Social Business Models, and a founding board member of Grameen America
and Grameen Foundation. Grameen Intel is just one of hundreds of public and private

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partnerships now mediated through Youth & Yunus. In early 2007 Yunus showed interest
in launching a political party in Bangladesh named Nagorik Shakti (Citizen Power), but
later discarded the plan. He is one of the founding members of Global Elders.
In March 2011, after months of government attack, the Bangladesh government
controversially fired Yunus from his position at Grameen Bank, citing legal violations and
an age limit on his position.[3]
Bangladesh's High Court affirmed the removal on 8 March.
Yunus and Grameen Bank are appealing the decision, claiming Yunus' removal was
politically motivated.
Activity 1:
Write on Dr. Muhammad Yunus’s world on ‘what you know about microcredit’.
Activity 2: BBC QUIZ
Take the quiz posted on the link below. Then discuss with your partner about
possible correct answers.
1. The __________ for the dollar is very good just now. We should change dollars into
euros today.
a) interest rate b) credit rating
c) money rate d) exchange rate
2. My salary always runs out before the end of the month. Everything's so expensive just
now.
I don't know how I'd manage without __________.

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a) getting my pocket money from the bank b) lending money to my bank
c) having an overdraft d) sticking to my budget
3. We've found our ideal house but we're not rich enough to be able to buy it straight
away.
We'll need to go to the bank to see if they'll give us _________.
a) interest b) a deposit
c) some capital d) a mortgage
4. We'll need to invest more ___________ if we want to expand our business. You know
what they say, you have to spend money to make money.
a) return b) capital
c) interest rate d) wages
5. We got a loan from the bank to buy a new car. We have to ___________ it over the
next two years.
a) repay b) pay
c) return d) give
Activity3: Individual work
Now in the Dialogue below you would come across several terms that are related to
banking. Can you identify at least 05 banking terminologies from the conversation
and list them below and explain what you understand by these terms:
Activity 4: Pair work
Now Exchange your ideas with your partner about these banking terminologies and
find out what is the most credible meaning.
Activity 5: Individual work

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ODD ONE OUT: Circle the word in each group that does not belong or sounds odd
to the other. Explain why.
1. Teller, manager, statement, security
guard__________________________________________
2. Safety deposit box, ATM, cash machine, bank machine
____________________________________________________________________
3. Security number, PIN, telephone number, personal identification number
____________________________________________________________________
4. Deposit, teller, withdrawal, transfer
____________________________________________________________________
5. sign, deposit, endorse, write your name
____________________________________________________________________
6. Overdraft, negative balance, extra money, not enough money
____________________________________________________________________
7. Payroll check, personal check, money from employer, paycheck
____________________________________________________________________
8. Cash, bills, check, coins
____________________________________________________________________
9. Take out, deposit, withdraw, remove
____________________________________________________________________
10. Traveler’s check, teller, money order, cash
Activity 6: Group Discussion
Conversation question
Expressing Giving Opinion/disagreeing
Topic1: Grameen Bank is the model of micro credit success that helped to reduce poverty
in Bangladesh.
Topic2:The success of Grameen Bank is profit oriented. Not people oriented.
Topic3:Dr.Muhammad Yunus has been awarded Nobel Prize for peace whereas he should
have been awarded for Economics.

25. LODESTAR INSTITUTE
Spoken & Pronunciation Course 219
Lesson 3.1
Tourist spot
What to say How to say
a. To which spot did you last visit?
b. Why did you go there?
c. With whom did you go?
d. How did you enjoy?
e. What do you do when you go to new place?
f. With whom do you enjoy to visit?
Apartments
What to say How to say
a. Where do you think apartments should be built?
b. What should be the internal facilities?
c. What should be the external facilities?
d. With whom would you want to stay there?
e. What is opinion about apartments of Dhaka city.
Roundtable Discussion
Parliamentary Debate
This house believes that “Student politics should be banned”
Should be banned Should not be banned rather
should be reformed
 Present situation
 Clash
 Session gird lock
 Involve with …
 Great history 1952,66,71,90
 A model should be taken
 For the student’s sake
 For creating next leadership

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Now it’s your turn !!!
Part 04 Additional study materials (Not for Class)
Lesson 4.1
1.1 Vocabulary chorus from flash card : (oral test)
No. Words/Expressions Pronunciation Meaning Translate into English (oral)
01. Stingy (adj.) w÷b&wR wKc‡U KÄym †m Lye wKc‡U|
02. Obstinate (adj.) Ae&mwUbv
U& †R`x, GK¸‡q †m wKQzUv GKM‡q|
03. Absent minded Ave‡mbU& gvBbwWW gbfyjv, Avbgbv Avwg nVvr Avbgbv n‡q c‡owQjvg
04. Bankrupt e¨vO&µvc&U †`Dwjqv †Kv¤úvwbwU †`Dwjqv n‡q †M‡Q|
05. Pay proper tribute (v.) - h_vchy³ kª×v
cÖ`k©b Kiv
Avgv‡`i knx`‡`i cÖwZ h‡_vchy³ kª×v cÖ`©kb
Kiv DwPr|
Lesson 4.2
1.2 Vocabulary chorus from flash card : (oral test)
No. Words/Expressions Meaning Translate into English (oral)
01. As I was saying (hv ejwQjvg)
02. I know that (Avwg Rvwb †h)
03. I think that (Avwg g‡b Kwi †h)
04. I would like to say that (Avwg ej‡Z PvB †h)
05. It is right that (GUv mwVK †h)
06. It is wrong that (GUv fyj †h)
07. I am supremely confident that (Avwg m¤ú~Y© wbwðZ †h)
08. It is a matter of great happiness that (GUv AZ¨š— my‡Li welq †h)
09. It is expected that (Avkv Kiv n‡”Q †h)
10. It is a thousand pities that (GUv AZ¨š— cwiZv‡ci welq †h)
11. There is no shadow of doubt that (G‡Z m‡›`‡ni we›`ygvÎ AeKvk †bB †h)
Lesson 4.6
Submit memoranda (¯§viKwjwc †ck Kiv) Being informed (Lei †c‡q)
Unidentified (AÁvZ) Autopsy (gqbvZ`š—)
Blood stained (i³v³) under open sky (†Lvjv AvKv‡ki wb‡P)
Roam at (Ny‡i †eov‡bv) In wounded state (AvnZ Ae¯’vq)
Unruly behavior (DMÖ AvPiY) Apprise (AeMZ Kiv‡bv)
Financial irregularities (Avw_©K AmsMwZ) Embezzlement (AvZ¥mvr)
Difficulties (Amyweav/ mgm¨v) Indulge (Rwo‡q cov)
Bribe (Nyl) Unscrupulous (Amvay)
Misappropriate/ Grab/ Embezzle (AvZ¥mvr Kiv) Abuse of power (¶gZvi Ace¨envi)
It is learnt that (Rvbv †M‡Q †h) No details were available (we¯—vwiZ wKQzB Rvbv
hvqwb)