1The Bob and Rob Show Study GuideLesson 72date: Feb 12, 2007file name: bobrob 02-05-07

Show notesTodays topic was all about money. The thing that we need in order to live in modern society, and the thingthat we get from working. Well, you know what they say, time is money1 so.

Phrasal Verbs and Idioms"save on something"1) To use not more than is required e.g: I save on my petrol expenses by using my bicycle."save up something"2) To keep your money instead of spending it e.g: I saved up for 5 months to buy a new car.3) To keep something for the future e.g: I saved up my day offs so I could have a longer holiday.

Idioms: for my moneyTo be in ones opinion e.g:1) For my money, Pele is the greatest football player of all time.

Bonus Idiom: on the moneyTo be correct, accurate e.g:1) Their prediction about the volcano was right on the money

Email BagGuenter told us about his body language anecdote in Bulgaria. Basically it is that shaking your head is a signof agreement and nodding means no! Obviously, we need to be careful and prepared when we enter newcultures.

Also, please check out the following site to see what some of our listeners are doing:www.letslearnenglish.info/

Paulino also sent us a nice voice message. Thanks.

Both Sides of the PondWe looked at common words in both the US and the UK that came from Persia:(US) buck (UK) quid(US) bills (UK) notes(US) dollar (UK) pound / sterling(US) cent (UK) penny(US) cents (UK) pence

SongIf youve got the money (Ive got the time) by Merle Haggard. See more at http://www.podshow.com

2Quotes"Money is the root of all evil" - The Bible, Timothy"Lack of money is the root of all evil." - George Bernard Shaw"While money cant buy happiness, it certainly lets you choose your own form of misery.Moneys only important when you dont have any - StingIve been rich and Ive been poor. Rich is better - Sophie Tucker

Show transcriptBOBToday we're talking about money.

ROBMoney, money, money.

BOBIn Laos they call it "kit."

ROBIn India they use "rupees."

BOBAnd in Mexico, they call it the "peso."

ROBAnd here, where we are in Japan, we use the "yen."

BOBIn Thailand, they call it the "baht." And as you know, in the US and a lot of countries, it's called the "dollar."How about across the pond, Rob?

ROBWe use, "pounds" - Sterling - but I think 2010 we might be joining the European currency2.

BOBOh, you're finally going to do that?

ROBPossibly, yea.

BOBIn the beginning, people bartered, they didn't use money. "Barter3" is the exchange of a good or service foranother good or service." A bag of rice for a bag of beans.

ROBI see.

BOBYou know, sometimes people couldn't agree if one thing was worth another, so that's why they inventedmoney, I guess. To solve that problem.

ROBRight. So metal objects - they we're introduced as money around 5,000 BC. Some of the earliest known papermoney dates back to China, where the issue of paper money became common from about 960 AD.

BOBMoney gradually evolved into what's called "representative money." So for example, rather than a gold coin,the money represents gold. So this meant that money itself, no longer had to be valuable. Representativemoney was backed by a government, or banks promise to exchange it for a certain amount of silver or gold.For example, I think, Rob, the old British pound bill, or the sterling, was once guaranteed to be redeemable4

for a pound of sterling silver.

ROBWow! All right, I didn't know that. And "fiat," that's the Latin word for, "let it be done"

3BOBReally? Maybe, John Lennon "Let it be" He could have just said "fiat."

ROBMoney's now given value by a government fiat or decree. By law, the refusal of legal tender money in favor ofsome other form of payment, is illegal.

BOBI tell you, Rob, the Bible says: "The love of money is the root of all evil." It's from, Timothy.

ROBAnd also, George Bernard Shaw said, "Lack of money is the root of all evil."

BOBHe's got a different perspective, I think, than the Bible. A great quote that I like is: "While money can't buyhappiness, it certainly let's you choose your own form of misery."

ROBThat's good. Excellent.

BOBSting, the rock musician said, "Money's only important when you don't have any."

ROBYes, I see. That's very true. Another quote is this: "I've been rich and I've been poor. Rich is better."

BOBWho said that?

ROBSophie Tucker.

BOBThat's true. Or, "money isn't everything, but it's second to whatever is." I don't know who said that, but I agree.Now I don't think this would be a worthy talk about money unless we had a math story problem about money.How's your math, Rob?

ROBNot so good.

BOBNot so good? Well, here's a little math story problem for our listeners. Ginny bought seven tee-shirts, one foreach of her seven brothers, for $9.95 each. That's nine dollars and ninety-five cents. The cashier charged heran additional $13.07 in sales tax. She left the store with a measly $7.28. How much money did Ginny startwith?

ROBLet me get my calculator.

BOBWhen I was a boy we did this in our heads. What's the answer, Rob?

ROBOkay ..... $90.00

BOB$90.00...now any of you listeners out there - math geniuses - that just did that in your head -ah, that's easy,$90.00. My message to you...shut up. That's the official Bob and Rob Show money math story problem for theweek.

ROBVery difficult it was too.

BOB

4The thing about money, Rob, is you get more of it and sometimes you get more worries. One thing you got toworry about is getting scammed.

ROBRight. Getting conned.

BOBYou've ever been conned, Rob, besides by me?

ROBNo. Apart from you, Bob, no.

BOBI conned you into doing the Bob and Rob Show, did I not?

ROBYou did, but no, I've never been scammed. I've had a number of emails from ...

BOBNigeria5...

ROB...and various other places saying, "please give me some money, " but no...

BOBThose were from me, by the way. Anyway, a very important message about not getting scammed, not gettingconned. Let's listen to it.

OTHERThere is a scam for everyone in the country, if we let our guard down6 and think it will never happen to me.That's exactly when we're at our weakest. We tend to think it's only those who are perhaps gullible,7 perhapsgreedy, and we never say that's us. But, we're saying that our experience is, there is a scam for everyone toexploit everyone's vulnerabilities8. Everyone can have a moment when they're praying for some good luck,for some money, for some guidance, and, a scam will come at that time. So, yes, many people are savvy9,but don't let down your guard. Scams are coming to us; by email, by letter, through the phone, and by textmessages. Their bombarding us from every angle. They have many things in common though, and how youmight be skeptical10, and if you have to spot a scam. There have been exaggerated claims about the moneyyou've won, about the health benefits, or products they're selling you. But they will all ask you to pay somemoney up front, or to call an 090 number, which is a premium rate11 number, which will be one-pound-fifty aminute. You should be skeptical about this and check them out before you send any money off12. I'vespoken to many victims of scams. To begin with, we think a scam sounds like it's just a little bit dodgy13, andeven sometimes, it can be quite funny, until it hits you and youre taken in14, and then people find that it's avery serious matter. People feel embarrassed, and don't want to report it; they feel a little bit ashamedbecause they responded. But, our message is, youre not alone. We know that 9% of people have beenvictims - that's over five million people in the UK - and we need people to come forward and report the scamsand become a scam buster by giving us information.

ROBGood advice.

BOBGood advice. Be careful, Rob.

ROBPlease, be careful everybody.

BOBYou've got to watch your money, cause scams will make it disappear. Okay, phrasal verbs for today, andsomehow, I think they might be connected to money.

ROBThey are, yes. We're going to have a couple. To "save on something," or "to save something on something,"means "to use less of that thing."

5BOBOh, to save on, like, "save on electricity."

ROBRight, yea.

BOBI think save though - the first thing I think of, Rob - is to save money. So you can save up something.

ROBRight. So you can save up your money in the bank.

BOBYou can save up for a house; it's important to save your money.

ROBDefinitely, definitely. And you can also, save something up for something. So, for example, "last year, I savedup for a new computer."

BOBThat's true, and you were saying before - "save on" - now, how can that be used, "save on"?

ROBWell, "they're having a discount over at the local theater, so if you buy your tickets early, you can save on thecost of the tickets."

BOBI see.

ROBSo, "save on," and "save up."

BOBSo Rob, do you try to save on electricity and your water bill, by not keeping lights on when youre not usingthem?

ROBYea, definitely - and by not bathing, yes.

BOBYes, I can smell. I mean, I can tell.

ROBYes, actually, I do. My second son is still a baby and we wash him in a separate bath, and I always put hiswater in the washing machine, to save on water.

BOBThat's good, we do that as well.

ROBIt's environmentally friendly15 too.

BOBOkay, we're talking about money today. Let's do some money idioms. A very popular one, "for my money."Which essentially means "in my opinion." For example, "for my money, the Indianapolis Colts are going to winthe Super Bowl this year." What do you think?

ROBWell, yea, I hope so, it would be cool if they did. Who are they playing, by the way?

BOBThey're playing the Chicago Bears.

ROB

6Right, right, right, okay. Next weekend?

BOBYes, my cousin, actually plays for the Indianapolis Colts16.

ROBWow! No way!

BOBHe plays tackle17. He's much bigger than I am.

ROBIs that a position, tackle?

BOBYes.

ROBIn English, that's a verb, "if you tackle someone."

BOBI know. A tackle, in American football does a lot of blocking.

ROBWow! So, your cousin is in the Super Bowl?

BOBHe's going to be in the Super Bowl.

ROBCongratulations.

BOBHis last name is the same as mine. Okay, and what's our bonus idiom for today, Rob?

ROBOur bonus idiom is "on the money."

BOB"On the money." Now, let's see, we won't tell what the meaning is, but we can use it in a sentence.

ROBSure. "The fact that the Indianapolis Colts are going to win next week, is right on the money."

BOBYou think, it's right on the money?

ROBI think it is.

BOBOkay, and I think your explanation was, right on the money.

ROBOh, thanks, Bob.

BOBRob will put that in the study guide.

ROBSure, yea.

BOBShall we go on to the email bag? Let's dig down into our email bag today.

7ROBToday we got something from Geunter Stiller, who wrote "Hi, Bob and Rob. About body language: I went toBulgaria. During a lunch, that we had not finished - we hadn't finished a dessert consisting of pretty freshstrawberries - and then the waitress wanted to clear the table, and asked us if she could take away the platewith some strawberries, not yet eaten by me. So, I shook my head, and couldn't believe it; she took the plate,and off she went." She took the plate away.

BOBEven though he said, no? That's strange.

ROBHe shook his head. "I asked my Bulgarian friends about it, and they told me that when you shake your head inBulgaria it means "you agree."

BOBWow! It means "no" in the US. I think, even in Japan.

ROBIn the UK, too. "And when you nod your head, it means your saying "no."

BOBThat would be so hard to learn.

ROBBasically, it's the opposite.

BOBThere you go, body language, is very important.

ROBVery important, indeed. Thanks very much for that email, Geunter.

BOBThank you.

ROBHow about Some Both Sides of the Pond, Bob?

BOBSounds good. We're talking about money today, and in the UK what kind of notes or money, do you have? Doyou have dollars?

ROBNo, we have pounds; five pound note...

BOBSometimes, I hear sterling or quid - what's all that?

ROBRight. Well, sterling, is the official, or technical name for the pound. We don't use that, that often. But a quid, isslang.

BOBFor what?

ROBFor "a buck."

BOBIn the US, instead of saying, "dollars," we say, "bucks." You would say, "quid"?

ROBRight.

8BOBSo, "I've got ten quid"?

ROBThat's right.

BOBThat means "ten pounds"?

ROBYea, you got it.

BOBCan you say, "I have ten sterling"?

ROBNo, no. "I have ten pounds sterling," but that's not so common.

BOBDo you have coins in the UK?

ROBWe do. We have a 50 pence coin, we have a 10p coin, 2p coin, and a 20p coin.

BOBWhat does "p" mean, pence?

ROBYea.

BOBIn the US we have coins, but instead of pence, they're called "cents." C-E-N-T-S We have, one cent coin, five,ten, twenty-five, and sometimes, a 50 cent coin. They also have their individual names; the one cent coin iscalled, a penny, the five cent coin is called, a nickel, the ten cent coin is called, a dime, and the twenty-fivecent coin is called, a quarter.

ROBBecause its a quarter of a dollar.

BOBIts a quarter of a dollar. Exactly. But it's a little bit confusing. You don't have names for coins in the UK?

ROBNo, we don't. We just call them fifty p coin, twenty p coin, and so on. Sorry, we have a pound coin, as well.

BOBYou have a pound coin?

ROBAnd a two pound coin.

BOBAnd a two pound coin. Do you say, "bills"? In the US we say, "a dollar bill" - the paper money. Do you say,"pound bills"?

ROBFive pound bill, not really, no. No, we don't use that expression.

BOBAll right.

OTHER"Hello Bob, and Rob, this is Paulino from Argentina, but currently living in Minnesota, United States. I wanted

9to thank you for posting the corrections to your transcripts. I always like to sharpen my listening and errorcorrections skills. I believe that it's a great exercise for me because I'm in an advanced level of English, and Ihighly recommend that type if exercise for early learner of an intermediate level or higher. So, thank you verymuch for the show, and keep in touch. Take and give care."

BOBSome announcements now. If your interested in receiving detailed study notes - a study guide - think aboutbecoming a member, because it's not that much money.

ROBWhat is it, three bucks, a month?

BOBThree bucks, yea.

ROBOkay, and please write to us if you have any questions or comments about the show. We're atwww.thebobandrobshow.com.

BOBWe are, yea.

ROBAnd you can send an email, or a voice message to - just click on the Send Us a Voice Message button on thewebsite, and finally, if you know of anybody who may be interested in the Bob and Rob Show, please, be sureto tell them about us and let them know.

BOBAlso, I should mention that some of our listeners have actually started their own English study website. Itlooks really good. They've got online Skypecasts - which you can actually talk -using the Internet. They'vedone a lot of really nice stuff, so I'd like to let our listeners know about it. I put a link in our sidebar, it's called,Let's Learn English, and I encourage you to visit the website. Its at www.letslearnenglish.info - andletslearnenglish is one word - check it out. Some of our listeners have done a wonderful job with that and it'sneat to see them taking the initiative18.

ROBGood. And they're doing Skypecast, which we did a couple of times, right?

BOBYea, in fact, we need to join one of their Skypecasts, Rob. Check it out, it's a really nice resource, and again,there is a link in our sidebar. Also, just to let you know - you've probably noticed we're recording in mono now,rather than in stereo. We got the new equipment, we're kind of experimenting. Stereo, the problem with that,is that the file sizes are bigger, so it's better to do it in mono. Some people had issues with the stereo - didn'tlike it - with mono that's kind of, I guess, the more standard way to do it for podcasting. It's also moreconvenient because you have smaller file sizes. We're going to be doing it in mono from now on.

ROBWe'd also like to say a big "thank you" to Jiri, who sent us some real Pilsner ale.

BOBYes! Jiri sent us two bottles of wonderful Pilsner, and also, some Hershey's Kisses from the US. Apparently,he's living in North Carolina. Thank you very much, Jiri, you're a great guy.

ROBYea, cheers.

BOBRob, sorry, but I drank your beer. Okay, today our song is from the great country music singer, he's a legend,Merle Haggard. He's got a great little song here, it's called, "If You've Got the Money, I've Got the Time."

ROBCool.

BOB

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This is Merle Haggard, and we got the song from podshow.com. If you want to learn more about him go towww.music.podshow.com. Thanks a lot for joining us today....

ROBLook after your capital.

BOBLook after your capital; look out for your money and look out for those scammers. Especially, those two guysnamed Bob and Rob. Just joking.

ROBOkay, everybody. Bye.

BOBBye, bye. See you next week.

SONG"If You've Got the Money, I've Got the Time." By, Merle Haggard. If you've got the money, I've got the time /We'll go honkey-tonking19, and we'll have a time / We'll make all the night spots, dance, drink beer and wine/ If you got the money, honey, I've got the time / There ain't no use to tarry20, so let's start out tonight / We'llspread joy, oh boy, oh boy / And we'll spread it right / We'll have more fun, baby, all the way down the line / Ifyou've got the money, honey, I've got the time / If you've got the money, I've got the time / We'll go honky-tonking, and we'll have a time / Bring along your Cadillac ?, leave my old wreck behind / If you've got themoney, honey, I've got the time/ Yes, we'll go honky-tonking, make 21 every club in town / We'll go to the partwhere it's dark / We won't fool around / You run short of money, I'll run short of time / You with no moremoney, honey / I have no more time / If you've got the money, I've got the time / We'll go honky-tonking, andwe'll have a time / We'll make all the night spots, and drink beer and wine / If you've got the money, honey,I've got the time.

Extension and Review Study*note: we encourage you to respond to the questions and readings by posting on the discussion board (Loginusing your Bob and Rob Show membership username and password)http://englishcaster.com/discussionboard/

1/ Have you ever saved up for something? If yes, describe what it was, how long it took and if you dont mind,how much it cost.

2/ Money is the root of all evil Do you agree with this statement?

2/ For your money, what is the best way to learn English?

Glossary 1 time is money = an expression meaning hurry up, lets go.2 European currency = known as the Euro.3 Barter = this is basically the old form of trading.4 Redeemable = this means it could be exchanged for its face worth.5 Nigeria = This is not to single out Nigeria, but many email scams from con-artists claiming to be a Prince ordiplomat from Nigeria or various other countries have taken place. Please BE CAREFUL. If you get any suchemails, just delete them.6 let (ones) guard down = to relax and to become open to attack through over-confidence.7 Gullible = nave, innocent, believing anything that one is told.8 Vulnerabilities = easily harmed or hurt, physically or emotionally (or financially)!9 Savvy = practical knowledge and ability.10 Skeptical = not believing in something unless one has definitive proof. NOTE: British spelling = sceptical.11 premium rate = the most expensive rate at which to purchase something.12 send any money off = to send something off is a phrasal verb that can mean as is here, to post money, orit can be in a sports game situation e.g: the ref sent him off for punching that other player.13 Dodgy = informal British English meaning uncertain, dishonest or not working properly. Here in thissentence, it means dishonest or not to be trusted.14 (to be) taken in = conned, scammed, duped.15 environmentally friendly = you can also say eco-friendly. It means to be less harmful to the environment.16 Indianapolis Colts = congratulations to Bob and his cousin, as the Colts won. Yee ha!

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17 tackle = a line position in American football. A tackles main job is blocking.18 Initiative = the skill that lets one do things by oneself, to take the lead.19 honkey-tonking = going to cheap bars where country music is played. Also, honky tonk music is music thatis played cheerfully. Finally, it means brightly colored and not of good quality in US English.20 Tarry = to delay or be slow in going.21 Make = this means to visit in this sentence.