IELTS LISTENING – North American Women’s Attitude To Money And Saving S29T4

IELTS listening North American Women’s Attitude To Money And Saving listening practice test has 10 questions belongs to the Finance & Consumer subject.

OK, so we’ve been looking at the attitudes of various social and cultural groups towards the management of their personal finances – how important they feel it is to save money, and what they save their money for. One aspect that we haven’t yet considered is gender. So if we consider gender issues we’re basically asking whether men and women have different attitudes toward saving money and whether they save money for different things:

 

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Back in 1928 the British writer George Bernard Shaw wrote in his Intelligent Women’s Guide to Socialism and Capitalism that A man is supposed to understand _Q31 politics, economics, and finance and is therefore unwilling to accept essential instruction.’ lie also said, ‘A woman, having fewer pretensions, is far more willing to _Q32 learn‘. Now, though these days people might question a lot of the assumptions contained in those statements, recent research does suggest that there are some quite fundamental differences between men and women in their attitudes to economic matters.

Let’s look at what men and women actually save for. Research studies of women in North America have found that women are far more likely to save for their _Q33 children’s education and they are also more likely to save up in order to buy a house one day. The same studies have found that men, on the other hand, tend to save for _Q34 a car, which by the way takes a surprisingly large amount of the household budget in North America. But the other main priority for men when saving money is their retirement. When they’re earning, they’re far more likely to put money aside for their old age than women are.

Now, this is rather disturbing, because, in fact, the need for women to save for their old age is far greater than for men. Let’s consider this for a moment. To start with, it is a fact that throughout the world, women are likely to live many years longer than men, so they need money to support them during this time. Since women are likely to be the ones left without a partner in old age, they may therefore have to pay for _Q35 nursing care, because they don’t have a spouse to look after them. Furthermore, the high divorce rates in North America are creating a poverty cycle for women. It is the divorced women who will most often have to look after the children and thus they need more money to look. after not just themselves but others.

So what can be done about this situation? The population in North America is likely to contain an increasing number of elderly women. The research indicates that at present for women it takes a _Q36 crisis to make them think about their future financial situation. But of course, this is the very worst time for anyone to make important decisions. Women today need to look ahead, think ahead – not wait until they’re under pressure. Even women in their _Q37 early twenties need to think about pensions, for example, and with increasing numbers of women in professional positions, there are signs that this is beginning to happen. Then research also suggests that women avoid dealing effectively with their economic situation because of a lack of _Q38 confidence. The best way for them to overcome this is by getting themselves properly informed so they are less dependent on other people’s advice. A number of initiatives have been set up to help them do this. This College, for example, is one of the educational institutions which offers night classes in _Q39 Money Management, and increasing numbers of women are enrolling on such courses.

Here, they can be given advice on different ways of saving. Many women are unwilling to invest in stocks and shares, for instance, but these can be extremely profitable. It is usually advised that at least 70% of a person’s savings should be in _Q40 low-risk investments but for the rest, financial advisors often advise taking some well-informed risks. Initiatives such as this can give women the economic skills and knowledge they need for a comfortable, independent retirement. The increasing proportion of elderly women in the population is likely to have other economic consequences…

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IELTS LISTENING – New Union Building S27T4

IELTS LISTENING New Union Building listening practice test has 10 question belongs to the Campus Facilities / Orientation subject..

Lecturer 1:

We’re very grateful that the committee has agreed that a representative for the student union can present student’s suggestions about the design for the proposed new union building. We appreciate that some of our ideas may not be feasible in the circumstances, but we do feel that it is important that the ultimate beneficiaries of the facilities should have some say in its design.

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Uh, if I could start by briefly explaining what steps were taken to find out student opinion and how we have arrived at conclusions.

Firstly, a meeting was held in the current union for our S u committee to explain the options. Then we invited all students to submit written suggestions for the design placing cards in a suggestion box. These suggestions then provided the basis for the design of a _Q31 questionnaire which was completed by _Q32 approximately 2000 of the college students over a period of three weeks.

Finally, the SU committee collected the results to draw up a report. If I could just hand around a copy of that report, this presentation is essentially a summary and discussion of the key points of this report.

So in broad terms, the consensus was this follows

firstly regarding the crucial matter of night. We presented the three options that you have proposed one in the city center near the Faculty of _Q33 Education, two on the outskirts of the city near the park, and three out of town near the _Q34 halls of residence.

We asked students to cite reasons for and against these sites, and there was remarkable agreement on all three. Site one was unpopular because of _Q35 traffic and parking problems. Site two had a number of supporters, mainly because it was close to _Q36 most lecture rooms and site three out of town near the halls of residence was clearly the most popular because of access from living quarters.

It was clear that the union was mainly to be used after lectures. It was also felt that the larger site would allow more room for a _Q37 choice of facilities.

Our second area of interest was obviously the facilities. There was minimal interest in having a library on the premises, but one option seemed to be a reading room. Instead, more useful.

We would like the current table games room to be replaced with a _Q38 small gym and it possible a small swimming pool. Not, of course, Olympic-sized.

There was a large number of respondents in _Q39 favor of a travel agent and insurance center. We also request that there be the offices of the Student Counseling Center moving this from the refectory.

There was, however, much disagreement about whether to build a drama theatre. Just over 40% of the respondents were in favor, but the largest minority were strongly against it, _Q40 claiming that it is elitist and a waste of funds. Essentially, the jury is out on that.

Finally, given the number of unfortunate incidents in the current union over the past few months, a strong point was repeatedly made about security.

The recommendations would be at least video surveillance on security personnel who would check student union cards on request. We doubt if it would be feasible to have a check-in reception of all people coming in.

Well, uh, this is the summary of the views of the student population. As I say. Fuller details were given in our report, but I’m happy to take any questions. If you have them…

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IELTS LISTENING – Student Services Office S27T3

 

IELTS LISTENING Student Services Office practice test has 10 questions belongs to the Student Services / Administrative subject..

Dawn Matthews: Hello. Um, I’m Dawn Matthews

Student: Yes, hello. I’ve been referred to you because I’m enquiring about the refresher courses that you run. I’d like to find out a bit more about them.

Dawn Matthews: Okay, well, we run quite a few different short courses for students who are either returning to study or studying part-time. Um, tell me about your situation.

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Student: Well, I think that I really need some help him _Q21 preparing for the coming semester, Especially to build up my confidence a bit and help me study effectively because, you see, I’ve been out in the workforce for nearly 12 years now, so it really is a long time since I was lost a student.

Dawn Matthews: Yes. It can seem like a long time. Well, let me start by telling you what courses we have that might suit you. Are you an undergraduate or a postgraduate in arts or science?

Student: undergraduate and I’m in the business faculty.

Dawn Matthews: Right. Then, first of all, there’s our intensive _Q22 study for success seminar on the first and second of February. It’s time the students like you who are uncertain about what to expect at college on looks at a fairly wide range of approaches to university learning to motivate you to begin your study and build on your own learning strategies.

Student: That sounds good. Uh, what are some of the strategies that have presented?

Dawn Matthews: well? We tried to cover all aspects of the study. Some of the strategies in writing, for example, would be _Q23 improving your planning for writing, organizing your thinking,  and building some techniques to help you write more clearly. _Q24 With reading there will be sessions aimed at getting into the habit of analyzing material as you read it on tips to help you record and remember what you’ve read. It really is very important to begin reading confidently right from the beginning. There’s also advice on how to get the most from your lectures on practice in giving confident presentations as well as how to prepare for exams.

Student: What about the motivational side of things?

Dawn Matthews: Well, there’s a range of motivational exercises that we do to _Q25 help the students feel positive and enthusiastic about their study. The process of learning and exploring the subject can lead to a whole new way of looking at the world and the study skills and techniques you build up could be applied in all sorts of different ways.

Student: Actually, I am. I’m very excited about the whole thing of taking up studying again, but, you know, I’m a little nervous about whether all managed to get everything done. Uh, I suppose it’s the same for all mature students.

Dawn Matthews: Of course, it is. Two of the key components of the course are _Q26 time management and overcoming procrastination. People discover that once they learned to plan their days, all the work could be accomplished, and they’ll still be time for leisure.

Student: Is there an enrollment fee?

Dawn Matthews: Well, um oh, just a minute. Let’s see, the cost is £30 which includes all course materials and morning tea. You have to arrange your own lunch.

Student: Well, that wouldn’t be a problem. I already make sandwiches for my three kids and my wife and myself every day. I have to change my routine.

Dawn Matthews: Now, I need to tell you that this is a very popular course, and _Q27 it’s essential that you booked well ahead of time. In fact, the course convenient tells me that there are only five places left.

Student: Um, what other course might be good for me?

Dawn Matthews: There is one other that you could benefit from. It’s simply called learning skills for University study and is on _Q28 three consecutive mornings, starting on a Monday from 9 to 12, and costs £25. This is aimed at upgrading the study skills most school leavers have and help him cope with the increased demands of university study. It focuses mainly on making students more responsible for their own success.

Student: What sort of things are covered in this course?

Dawn Matthews: Well, basically, it’s more advanced thinking, no only taking reading, and writing strategies, but also _Q29 some input about stress management.

Student: _Q30 I think I’d be better off starting from the basics and looking at the strategies. don’t you?

Dawn Matthews: Yes. From what you’ve told me, I think that’s more in line with your situation.

Student: All right, then. Can I book a place on this study for the Success Seminar course now?

Dawn Matthews: Yes, Let me just get out a registration form and take down your details.

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IELTS LISTENING – Management Diploma Courses S29T3

IELTS listening Management Diploma Courses listening practice test has 10 questions belongs to the Business / Management subject.

ANDREW: Excuse me, I was told to come here for advice about, erm, Management Diploma courses?

MONICA: You’ve certainly come to the right place. Hi, my name is Monica.

ANDREW: Nice to meet you. My name is  Andrew, Andrew Harris.

MONICA: So, Andrew, have you seen our diploma course prospectus yet?

 

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ANDREW: Yes, I’ve already looked at it. In fact, I thought the information on course content was really useful, but I’m afraid I’m a bit confused by all the different ways you can do the course: full-time intensive, part-time, and so on.

MONICA: Well, let’s see if I can help. I think each course type has its advantages and disadvantages, so it really depends on you – your own study habits, and your financial circumstances, of course. Are you working at the moment?

ANDREW: Yes. I’ve been working in the administration section of the local hospital for the last _Q21 three years. And before that, I worked in the office of a computer engineering company for two years. So, I’ve got about five years of relevant work experience. And what I’m hoping to focus on is Personnel Management.

MONICA: I see. And are you planning to leave your current job to study, or are you thinking about just taking a year off?

ANDREW: I want to know what my options are, really. I don’t want to quit my job or anything and my employers are keen for me to get some more qualifications but obviously, it would be better if I could do a course without taking too much time away from work.

MONICA: Right, so you don’t really want to do the full-time course, then?

ANDREW: No, not really. It’s also a question of finances. You see, my office have agreed to pay the _Q22 cost of the Course itself, but I would have to take unpaid leave if I want to study full-time and, well, I don’t think I could afford to support myself with no salary for a whole year.

MONICA: OK. Well, you have two other possibilities: you could either do the part-time course- that would be over _Q23 two years and you wouldn’t have to take any time off work – or you could do what we call a ‘modular’ course. You could do that in eighteen months if you wanted – or longer, it’s quite flexible and it would be up to you.

ANDREW: Mmm. So what does the part-time course involve?

MONICA: For that, you would join an evening class and have a lecture twice a week. Then, you’d have to attend a seminar or discussion workshop one weekend a month.

ANDREW: What kind of coursework would I have to do?

MONICA: Well, it’s a mixture. You’d be expected to write _Q24 an essay each month, which counts towards your final assessment. You have a case study to do by the end of the course, which might involve doing a survey or something like that, and also you need to hand in a _Q25 short report every four weeks.

ANDREW: So, that’s quite a lot of work, then, on top of working every day. It sounds like a lot of studying – and really tiring.

MONICA: Yes, you certainly wouldn’t have much free time!

ANDREW: What about the ‘modular’ course? What would I have to do for that?

MONICA: That’s where you get the opportunity to study _Q26 full-time for short periods. That way you can cover a lot of coursework and attend lectures and seminars during the day. And each module lasts for _Q27 one term, say, about twelve weeks at a time. There are obvious advantages in this – the main one being that you can study in a much more _Q28 intensive way, which suits some people much better.

ANDREW: And how many of these ‘modules’ would I have to do to get the diploma?

MONICA: The current programme is _Q29 two modules – and then you have to choose _Q30 a topic to work in more depth – but you can base that on your job, and so you don’t need to be away from the office, and how long it takes is up to you.

ANDREW: The important thing is that you don’t have to study and work. You can focus on one thing at a time.

MONICA: Yes, I can see that. It certainly sounds attractive! It would be more expensive, though. I mean, I’d have to support myself without pay for each module.

ANDREW: That’s true, so that might be a problem for you. Look, why don’t you talk this over with your employers and …

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