Dear Steve
Thank you for all your considerations as well as the care you have dedicated. And also for your help.
I'm really miss your class.
Many thanks

Grammar:

Today I studied mixed conditionals. http://www.englishpage.com/conditional/mixedconditional.html

Then I did the exercises.
2.a. Tom is not going to come to dinner tomorrow because you insulted him yesterday.2.b. But, he (come) would be coming if you (insult) had not insulted him.
3.a. Marie is unhappy because she gave up her career when she got married. 3.b. But, Marie (be) would be happy if she (give, not) had not given up her career when she got married.
4.a. Dr. Mercer decided not to accept the research grant at Harvard because he is going to take six months off to spend more time with his family. 4.b. But, Dr. Mercer (accept) would have accepted the research grant at Harvard if he (take, not) were not going to take six months off to spend more time with his family.
5.a. Professor Schmitz talked so much about the Maasai tribe because she is an expert on African tribal groups. 5.b. But, Professor Schmitz (talk, not) would not have talked so much about the Maasai tribe if she (be, not) were not an expert on African tribal groups.
6.a. I am unemployed because I had a disagreement with my boss and I was fired. 6.b. But, I (be, not) would not be unemployed if I (have, not) had not had a disagreement with my boss and I (be, not) had not been fired.
7.a. Nicole speaks Chinese fluently because she lived in China for ten years. 7.b. But, Nicole (speak, not) would not speak Chinese fluently if she (live, not) had not lived in China for ten years.
8.a. I will not help you study for your test because you have spent the last two weeks partying and wasting time. 8.b. But, I (help) would help you study for your test if you (spend, not) had not spent the last two weeks partying and wasting time.
9.a. Eleanor and Ben are not going skiing with us this year because Eleanor just had a baby. 9.b. But, Eleanor and Ben (go) would be going skiing with us this year if Eleanor (have, not, just) had not just had a baby.
10.a. I am completely exhausted, so I will not go with you to the movies tonight. 10.b. But, if I (be, not) were not completely exhausted, I (go) would go with you to the movies tonight.
11.a. She is not worried about the conference tomorrow because she is not giving a speech. 11.b. But, she (be) would be worried about the conference tomorrow if she (give) were giving a speech. 12.a. Frank is not going to the graduation ceremony because he broke his leg snowboarding last week. 12.b. But, Frank (go) would be going to the graduation ceremony if he (break) had not broken his leg snowboarding last week.
13.a. They are not releasing the prisoner next month because there was so much public opposition to his parole. 13.b. But, they (release) would be releasing the prisoner next month if there (be) had not been so much opposition to his parole.

LISTENING:


Today I went to web learn and I listened to a Lecture.
It was about the investment industry. This lecture is about modern finance in the 1230-1340 and shows how a dynamic market economy existed. The lecture argues about the importance of the wool and forward contracts. Dr Bell said to his lecture the political, economic and religious context of the time. Also he talked about trad undertaken by both religions and merchants.

Speaking:

Today I had a conversation class.We spoke about Globalisation, we talked about globalisation does effect us sometimes good and sometimes bad.then we listened a radio ,they spoke about trade shops the world.the title of Bernstein’s book is a splendid exchange .in this interview Bernstein makes two points about trade they are human nature and winners and losers .Bernstein about trade and social network say Europe is better off in net work from other countries also we talked about advantage and disadvantage trade shops the world,I think it’s good for economy and culture for rich country but for poor country it’s not good because they haven’t enough money .

LISTENING:

Today I listened to the BBC news. It was about “UK banking plan faces criticism”.
The government latest package is set of measures to encourage banks to lend individually businesses as credit remains scare or expensive to obtain.
Also banks can to take up government insurance against their expected bad debts.

Conversation club:

Today I had a conversation club .We talked about royal family in our country, if yes we like it or not. In my country we don’t have royal family. I think royal family it doesn’t have any role in politics so I don’t care about it. Then we spoke about the British royal family. It was about racist common of Prince Harry, that when he was young he said to his friend to army “our little Paki friend”. Next we talked about what people were reactions Harry’s comment.
In my opinion he said this sentence just for fun and he must be careful.

Steve's lecture :

Most economists would agree that due to the credit crunch, global markets are facing potential collapse (Stiglitz, 2008; Monbiot, 2007).
As we know, our current recession began in the USA where banks got into the habit of granting mortgages to lenders unable to pay them back. This created a liquidity crisis in the country which banks and government were unable to resolve, and soon these economic difficulties spread to the rest of the world (BBC News, 2008).
Some people consider that nowadays the economic does not good so the global reactions of economic crises are more profound than before, specially for developing countries. For example banks loan money to people but they couldn’t pay it.
This essay will try to explain the main reasons for why the globalisation of the word's financial market has contributed considerably to the countries and also full up with many crises.

Today I read newspaper. It was about Fears of new prices surge.
It was about a dramatic drop in shops every month especially in November and December. And retailers are forced to balance the weakness of the pound. Electricals and home entertainment were all 5% lower than last year.
Also I learnt some vocabulary about Business and Finance.
Spark: quick
Surge back up: a lot of
Aggressive discounting: down very fast
Exceptionally: Specially
Slashed: very low
Upward: increasing
Kick-start: push
Conflict: different
Sufficiency: enough

Reading:

Today I read BBC news.
It was about ‘Home credit loans 'extortionate'
According to a report from the shadow housing minister, some companies charge for loan so far as 10,000% annual interest on their loans.
The minister said the extortionate interest charges were due to a lack of competition in the home credit market. Also he said the problem could be tackled by credit unions and creation of a national financial service.

OVERVIEW OF MY SUBJECT:

I choose finance and accounting because I study this subject in my country and the most reason is, every where need accounting so in future I can find a job easily.
Finance and accounting is a system for given that financial information. Accounting is a formal system designed to record the financial of the firm.
Asking that question why we need accounting and why this subject is important. We need accounting because it’s the only way for business to grow. Accounting is the basic of the business financial world. Finally, accounting was created to the development of trade and commerce during these days. Accounting is the science of the business world.Nowadays international trade has been influenced by accounting.
Over the next few years, the finance and accounting will face dramatic changes in the economy; in global markets; in products and processes; and in technology, according to the report of The Council to Shape Change released today. In my opinion, finance and accounting will develop, when government create more effective markets for resources.

CONVERSATION CLUB:

Today I had a conversation club. We talked about poem. At first the teacher asked us some question and each student answered next we discussed about our sentence.Then gave us some vocabulary about poem and we checked in dictionary then explained to our partner for instance, moor: a place that out side of city and covered by plant, wild: amazing, thee: like you, futile: it doesn’t important, rowing: move a boat.Afterwards the teacher gave us poem and we explained about it. My poem name was Wild Nights. Emily Dickinson (1830 -1886) wrote this poem.It was about a beautiful night .

WRITING:


What were some of your own achievements in 2008?
From my point of view, many things happened yet time flew past so fast. So with my memory still fresh of events in 2008, I have get some achievements in 2008, the most significant achievement came to London.I believe that the most life changing event last year was starting my studying because I wanted to continue my study. In 2008 I often kept to myself and stayed at home. Now it feels great getting to meet new people and learn a lot of new things and sharing talents or interests with other people.I would like to finish my master in 2009 and the second most significant achievement will find a good job.

LISTENING:

I listened a BBC news.It was about a British journalist six weeks ago he abducted in the airport with Spanish photographer has been freed. They were in the Somalia to report on piracy.
He said he didn't know how long they were going there and they allowed to call every five day to another person who passed a massage to their family. He said when I came , I felt on top of the word.