PRESENT PERFECT
He __________ (work) at this company for 10 years.
He HAS WORKED at this company for 10 years.
_____ Tim ______ (go) to the movies last weekend?
DID Tim GO to the movies last weekend?
_______ you _______ (meet) many new people since you __________ (move) to the U.S.?
HAVE you MET many new people since you MOVED to the U.S.?
Pros: They have branches and ATMs everywhere.
Cons: They charge high fees.
NATIONAL BANKS
The amount of interest you owe on a loan = ?
INTEREST RATE
I ___________ (live) in Springfield since 2010.
I HAVE LIVED in Springfield since 2010.
The manager ________ (call) me yesterday to schedule an interview.
The manager CALLED me yesterday to schedule an interview.
Sarah _____________ (no/apply) for a new job since she ______________ (leave) her job at the factory.
Sarah HASN'T APPLIED for a new job since she LEFT her job at the factory.
Pros: They offer higher interest rates on savings accounts.
Cons: If you have a problem, you can't speak to someone face-to-face.
ONLINE BANKS
To ask for money in exchange for a service = ?
CHARGE A FEE
Hannah ____________ (be) a student at OTC for 3 years.
Hannah HAS BEEN a student at OTC for 3 years.
______ she ________ (start) kindergarten last August?
DID she START kindergarten last August?
______ you __________ (improve) your English since you __________ (start) English class?
HAVE you IMPROVED your English since you STARTED English class?
Pros: Their customer service is personal and friendly.
Cons: They don't have as many branches as national banks.
REGIONAL BANKS
To take money out of a bank account = ?
WITHDRAW MONEY
_______ you ever _______ (swim) in the ocean?
HAVE you ever SWUM in the ocean?
_____ you _______ (learn) any English when you were a child?
DID you LEARN any English when you were a child?
He __________ (no/be) sick since he ________ (have) the flu last year.
He HASN'T BEEN sick since he HAD the flu last year.
Pros: They are convenient.
Cons: They offer lower interest rates on savings accounts.
NATIONAL BANKS
A bank account that earns interest = ?
SAVINGS ACCOUNT
_______ he _________ (visit) his family since last year?
HAS he VISITED his family since last year?
We ______________ (no/have) class last week because of the snow. We ________ (get) about 9 inches of snow!
We DIDN'T HAVE class last week because of the snow. We GOT about 9 inches of snow!
They ________ (make) lots of new friends since they ________ (move) to Springfield.
They HAVE MADE lots of new friends since they MOVED to Springfield.
Pros: They offer the same services as national banks.
Cons: Banks are based in one part of the country.
REGIONAL BANKS
Like a credit card; uses money in your bank account = ?
DEBIT CARD