ENGLISH BY MISS LUV

(maaf ya jika rangkuman ku ini gamasuk di ujian, setidaknya ini

yang bapak tu ajar  )

1. Write possible expression of cause and effect to the following situation (sebab
akibat)

Jadi ini tu sebab akibat, konjungsi nya ada ini :

1. As
2.since
3. because
4. so

Trus prepositions nya (pelengkap kata biasanya awal) :

4. Due to
5. thanks to
6. owing to

Conjunction digunakan untuk menghubungkan dua independent clauses sedangkan

transition words digunakan untuk menjaga kesinambungan dua kalimat yang
dipisahkan dengan tanda titik (.).

Example : The teacher was angry since the students were being noisy.
Due to the regulation to wear masks in public places, we need to wear mask.

Quiz 1 : A friend wants to know why you can speak Javanese fluently
Cinta speaks Javanese since she live in bungaraya
Owing to cinta lives in bungaraya, she can speak javanese

2. Read the following news report extracts. match them with the correct headlines.

Baca berita tu cocokin mana yang pas

 Greater loss avoided, thanks to tsunami warning
Magnitude 9 tsunami wreck 11 countries
Deadly Indian Ocean tsunami; a decade later

klo yang ini di point bedanya apa ajaaa

3. Narrative text (open link https://youtu.be/Z9prLM62wss?si=Vxjj2cHegjlKbYRL)

4. Example yang diatas

The five guys that make up the Pandawara Group had a sudden burst of fame when their videos
about cleaning garbage were shared across TikTok. Prior to that, these five were all just ordinary
business students with no knowledge or interest in the environment. But, after their house was
flooded due to an over abundance of rubbish clogging a river near them, they saw it as a wake
up call.

Every day, the group would spend five hours cleaning oceans and rivers, with no monetary
compensation. As one member noted, “The river was full of garbage, but it’s better that we get
a bit smelly ourselves than having our house flooded again.” It seemed their hard work and
dedication had paid off; they began to amass an immense amount of followers, reaching into
the tens of millions, who were inspired by the group's message. This caused the group to
 skyrocket in popularity, ultimately leading them to become known as the 'Garbage Warriors'.
Unfortunately, it takes a lot of hard-working people to make a positive change, so the

Pandawara Group advocates for more people like themselves, wishing for a million more who
can make a positive difference in the environment. In their very first year, the group had
achieved the astonishing goal of collecting and recycling over 80 tonnes of rubbish. This had not
only restored the previously flooded river, but also inspired people to take the same route,
driving towards a better environment and more eco-friendly communities.

With the world in crisis, this team of young environmentalists stepped in to become heroes,
providing us with a new way of solving our global issues and leading the charge against global
pollution. To this day, they keep up the work and continue to inspire a new generation of
'Garbage Warriors', picking up where they left off and even leading expeditions into polluted
areas to remove huge quantities of garbage from beaches and rivers. Every day we are grateful
for the amazing work the Pandawara group has achieved and continue to hope for more people
to join their ranks in the fight for a greener and cleaner planet. After all, it’s better for us to get a
little smelly than for our houses to flood

5. Hiburan (mungkin gambar random tu disuruhnya bikin cause effect atau paragraph yang
nyambung dari gambar kek gini)

ini mr. beast

6. PROCEDURE TEXT !!!!!

kenapa pake logo imperactive cz ulangan susah salah satu materinya ini. Kuncinya satu,
jangan keliru.

Nah mr diawal mungkin bakal kasi

text pengertian suatu hal ( e
payment ) trus nanti soalnya :

Do you know e-money or e-payment?

Do you ever use it?
How to use it?
What is your opinion about e-money or e-
payment?
a. Choose the right statement ya say dari ini

There are five tips for making a deposit of your money.

The tips are aimed to educate people on how to deposit their money safely.
Ask the teller to deposit your money.
Connect your mobile banking before making deposit

b. Correct tips based on the text. You can tick more than one box.
Do not fumble with your cash.
Ask the teller to help you in making a deposit.
Change your PIN before making a deposit.
Make sure to find a safe ATM

c. Tick the correct statements telling how to deposit money via ATM

Choose the nearest ATM.

Prepare your cash for a deposit.
Check your deposit through your mobile phone.
Select a safe ATM which is inside the bank branch.

How to Spot an Investment Scam

1. Pressure to buy
It can be exciting when a potential investment opportunity presents itself, but it's
important to always exercise caution. Legitimate investment firms will never pressure
you to buy immediately because they understand that every person's financial
situation is unique and requires careful consideration. If someone is pressuring you to
make a hasty decision, chances are it's not a legitimate investment opportunity. Trust
your instincts and take your time before making any big financial decisions - if
something seems too good to be true, it probably is.

2. Guaranteed returns
It can be tempting to invest in something that promises guaranteed returns, but the
truth is that there are no guarantees in the world of finance. Any individual or
company offering a foolproof investment opportunity should raise a red flag. In fact,
these types of guarantees often turn out to be nothing more than fraudulent schemes.
It's important to do your own research and exercise caution before investing your
money.

3. Complex products
It can be tempting to invest in products that promise large returns, but it's important to
remember the old saying - if it sounds too good to be true, it probably is. Scammers
often use complex language and convincing sales tactics to lure unsuspecting
investors into losing their hard-earned money. This can be especially true for
investments that may be hard to understand or that involve high risk.

4. Fake endorsements
It's no secret that celebrities have the power to sway public opinion and drive
consumer behavior. So, it's not surprising that some may use their influence to
promote investment opportunities. However, just because a celebrity or social media
influencer endorses a particular investment doesn't guarantee its success. In fact, it
could be a red flag to be wary of any such promotions.

5. Unknown firm
Make sure you research any firm before investing with them. One way of researching
the company is checking the Securities and Exchange Commission (SEC) website
and review if they are registered investment companies. You should be able to find
information about the firm’s history, management team, and track record easily
online. If you can’t find anything, it’s probably a scam.

a. The goal of the text is ( tujuan teks)

Before investing with any company, make sure to find out the company's track record.
Genuine investing companies won't ever push you to make a purchase right away.
Avoid company which offers a foolproof investment opportunity.
Do not believe on promote investment opportunities from influencer easily.
Show you how to spot an investment scam.
Before making an investment, conduct your
b. The tips based on the text are

Before investing with any company, make sure to find out the company's track
record.
Genuine investing companies won't ever push you to make a purchase right
away.
Avoid company which offers a foolproof investment opportunity.
Do not believe on promote investment opportunities from influencer easily.
Show you how to spot an investment scam.
Before making an investment, conduct your

c. What should investors do if they encounter an investment opportunity that

seems too good to be true?

Trust their instincts and invest immediately

Ignore any endorsements by celebrities
Take their time and do thorough research
Avoid firms that are unknown
Invest in complex products for better returns

d. What strategy do scammers commonly use to attract investors, as mentioned

in the text?

Offering simple investment products

Providing clear and transparent information
Pressuring investors to make hasty decisions
Endorsing products with well-known celebrities
Registering with the Securities and Exchange Commission (SEC)

Top 5 Ways to Pay for College: College Financial Aid, Explained

Still figuring out how to pay for college? From university scholarships to federal
loan programs, here are the most common types of financial aid for undergraduate
students.

1. Apply for a Scholarship

Scholarships are typically merit-based. They consider your grades, talent or
service. Best of all, you don't have to pay them back.
University scholarships: Universities earmark scholarship dollars every year for
undergraduates. At Saint Louis University, the most coveted award is the
Presidential Scholarship — tuition paid in full for four years.
2. Apply for a College Grant
College grants are need-based, and like scholarships, grants don't have to be
repaid. So what's the difference between a grant and scholarship? College grants
for undergraduates are provided by nonprofit organizations — often the federal
and state governments — and are often tax-exempt.

3. College Work Study

Work study is a form of federal financial aid that allows undergraduates to earn
money for college through a part-time job on campus. Students get a biweekly
paycheck working an average of 15 hours a week. At SLU, students can start
applying for work study jobs as soon as June 1.

4. Federal Student Loans

The bad news: federal student loans have to be repaid. But you don't have to
begin immediately after you graduate college, and most student loans are low-
interest. The Perkins Loan and the subsidized Direct Loan, offered by the federal
government, are the best student loans for undergraduates, followed by the
unsubsidized Federal Direct Loan.

5. Private Student Loans

Private student loans are not federally funded and often have variable interest
rates that aren't capped. Translation: Explore other college financial aid options
first. If you do pursue this route, look into a Parent PLUS loan or an alternative
loan in your own name. Remember to spend wisely. To determine how much you
can afford borrow for college, visit finaid.org/calculators.

a. Give a checkmark for the correct statements based on the text.

University scholarships and federal loan programs can be an option for your
college
The scholarship is aimed at students who have excellent grades, talent, or
service.
Students should have to pay scholarships back. Unlike scholarships, grants don't
have to be repaid.
Repayment of federal student loans is required.
Students get a biweekly paycheck working an average of 15 hours a week.
The writer suggests exploring other college financial aid options at the
beginning. Go to finaid.org/calculators to find out how much you can afford to
borrow for
Unlike scholarships, grants don't have to be repaid.
 Go to finaid.org/calculators to find out how much you can afford to borrow for
education.

b. What is the main difference between scholarships and grants for college?

Scholarships are need-based, while grants are merit-based.

Scholarships are provided by nonprofit organizations, while grants are provided
by universities.
Scholarships require repayment, while grants do not.
Scholarships are typically merit-based, while grants are typically need-based.
Scholarships are tax-exempt, while grants are not.

c. Which type of federal financial aid allows undergraduates to earn money for
college through part-time jobs on campus?

Scholarships
College grants
College work study
Federal student loans
Private student loans

7. EXPLANATION TEXT
Flooding is an verlowing of water onto land that is normally dry. Floods can happen
during heavy rains, when ocean waves come on share, when snow melts too fast, or when
dams or levees break. Flooding may happen with only a few inches of water, or it may
cover a house to the roohop. They can occur quickly or over a long period and may last
days, weeks or longer. Floods are the most common and widespread of all weather
related natural disasters. Flash floods are the most dangerous kind of floods, because they
combine the destructive power of a llood with incredible speed and unpredictability.
Flash floods occur when excessive water fills normally dry creeks or river beds along
with currently flowing creeks and rivers, causing rapid rises of water in a short amount of
time. They can happen with little or no warning. Densely populated areas are at high risk
of flash flooding. The construction of buildings, highways, driveways, and parking lots
increases runoff by reducing the amount of rain absorbed by the ground. This runoff
increases the flash flood potential. Moreover, low spots, such as underpasses,
underground parking garages, and basements can become death traps. Similarly, areas
near rivers are at risk from flash floods. Embankments, known as levees, are often built
along rivers and are used to prevent high water from flooding bordering land. Dam
failures can also send a sudden destructive wall of water downstream. Mountains and
steep hills produce rapid runoff, which causes streams to rise quickly. Rocks and clay
soils do not allow much water to infiltrate the ground. Saturated soil too can lead rapidly
to flash flooding
 What is the main idea of the text?

What are the topic of each paragraphs?

What is flooding / tsunami ?
When can flooding / tsunami happen?
What is the main cause of flood / tsunami ?
Which places are at high risk of flood / tsunami?
Why does the writer inform us about flood / tsunami?

8. ANOTHER PROCEDURE TEXT

1. What is a key strategy mentioned in the text for saving money effectively?
Spending extravagantly on non-essentials
Limiting expenses to essentials
Ignoring budgeting altogether
Starting late to save money
Investing all savings in risky ventures

2. According to the text, why is it beneficial to start saving early?

To spend more on unnecessary items
To have less time to build significant funds
To have more time to build significant funds
To avoid budgeting altogether
To rely solely on long-term goals
 3. What is the recommended budget allocation mentioned in the text for essentials, extra
expenditure, and long-term goals?

20% for essentials, 50% for extra expenditure, and 30% for long-term goals
30% for essentials, 50% for extra expenditure, and 20% for long-term goals
20% for essentials, 30% for extra expenditure, and 50% for long-term goals
30% for essentials, 20% for extra expenditure, and 50% for long-term goals
50% for essentials, 30% for extra expenditure, and 20% for long-term goals

I TIRED ON THIS DAILY TEXT SHI SO JUST TAP ON

https://docs.google.com/forms/d/e/
1FAIpQLSe31RcH9bgBzQPtCXD1PEv16i5QOd9tILfhrv0pTu-4BOYhJQ/
formResponse

9. Another procedure text

a. What does "overdraft protection" refer to in the context of opening a bank

account?
Protection against identity theft
Protection against overdrawing your account
 Protection against online scams
Protection against account closure
Protection against bank's account

b. Why should you visit the bank's website carefully when opening an account?
To avoid opening an account
To find the link to close an account
To skip the application process
To keep the deposit
To compare different types of accounts offered by the bank

c. What documents or information are typically required to open a bank account

online?
Birth certificate, phone number, and utility bill
Driver's license, debit/credit card, email address
Only an email address and phone number
Passport, student ID, and email address
Social Security number or ITIN, passport, and birth certificate

d. What should you do if you're not approved for the bank account online?
Try again with the same information
Visit the ATM mechine
Ignore the rejection
Visit the bank's branch
Cancel the application

e. Which option best represents a synonym for "Once you’re approved, you’ll
want to put some money in your new account"?
Once your account is active, withdraw money from your account
After receiving approval, deposit money into your new account
Upon approval, close your account
When approved, avoid funding your account
After your application is processed, transfer funds to your new account

10. Another procedure text