• Banking Glossary

• Vocabulary Word	Definition	Example Sentence
  Loan	Money that is given to someone that has to be paid back over time	My home loan was approved by the bank yesterday.
  Account balance	The amount of money available in an account	His account balance looks great after he receives his salary.
  Savings account	A bank account where you keep money you want to save	I put money into my savings account every month.
  Checking account	A bank account that you can take money out of by writing checks or using a debit card	She has a checking account at First Bank.
  Credit score	A number that shows if you’d be able to repay a loan or use a credit card responsibly	I was able to get a student loan because of my good credit score.
  Interest rate	The amount charged for borrowing money from a bank	The interest rate on my loan is twenty percent.
  Overdraft	An amount spent that is more than the money available in your account	I spent too much money and was charged an overdraft fee.

Source : Alison

• Common Embedded Questions

• 
• Sentences that include embedded questions usually begin with common introductory phrases such as:

• Could you tell me	Could you tell me where I can recycle these items?
  Do you know	Do you know how much plastic ends up in the ocean?
  Do you remember	Do you remember when we went on strike?
  I wonder	I wonder what my carbon footprint is.
  Let's ask	Let's ask him if wood is recyclable.
  I'm sure	I'm not sure whether I should buy an electric car.

 Source : Alison

• Embedded Information Questions

• 
• Statements with an embedded information question follow the same rules as questions with embedded information questions. Remember to use normal word order (question word + subject + verb) and do not use a question mark. 

  
  

  Regular question: Where are they?

  Embedded question: I wonder where they are.

  
  

  Be careful! Only use contractions in embedded questions if the contraction is not at the end of the sentence.

  - I̶̶̶ ̶̶̶w̶̶̶o̶̶̶n̶̶̶d̶̶̶e̶̶̶r̶̶̶ ̶̶̶w̶h̶e̶r̶e̶ ̶̶̶t̶̶̶h̶̶̶e̶̶̶y̶̶̶'̶̶̶r̶̶̶e̶̶̶.
  

  - I wonder where they are.

• Where are they going?	I wonder where they're going.
  Who are they?	I know who they are.

 Source : Alison

 

• Embedded Information Questions

• 
• Embedded information questions use a question word. Do not use question word order in embedded questions. Use normal word order (wh-word + subject + verb).

  
  

  Regular question: Where can I recycle glass bottles?

  Embedded question: Do you know where I can recycle glass bottles? 

  
  

  If an information question contains a wh-word and do, remove do from the embedded question. 

  -Regular question: Where does she live?
  

  -Embedded question: Can you tell me where she lives?

• How can we reduce plastic waste?	Do you know how we can reduce plastic waste?
  Why is the greenhouse effect a threat to the environment?	Do you understand why the greenhouse effect is a threat to the environment?

• Remember! An embedded information question is a type of noun clause. (relative pronoun + subject + verb)

Source : Alison

• Embedded Yes/No Questions: Whether

• 
• Embedded yes or no questions can also be formed using the word whether instead of the word if.  You can use whether in statements and questions with embedded questions. 

  
  

  Regular question: Is Earth Day an international holiday?
  

  Embedded question: I wonder if Earth Day is an international holiday.

  Embedded question: I wonder whether Earth Day is an international holiday.

  Embedded question: Can you tell me whether Earth Day is an international holiday?
•  Click on the play button to hear the audio

• Does your school have a recycling program?	Do you know whether your school has a recycling program?
  Are you going to the Earth Day event on April 22?	Tell me whether you are going to the Earth Day event on April 22.

 Source : Alison

• Embedded Yes/No Questions

• 
• Remember! Yes/no questions begin with the auxiliary verb do or the verb be. Start an embedded yes/no question with if.

  
  

  Remove the auxiliary verb do in embedded questions.

  - Regular question: Do you support Greenpeace?

  - Embedded question: Can you tell me if you support Greenpeace?

  
  

  When a question contains the verb be, change the order of the verb be and the subject in the embedded question.

  - Regular question: Is Peter going to the protest?

  - Embedded question: Do you know if Peter is going to the protest?

• Did Kimberly go to the reforestation campaign on Sunday?	Do you know if Kimberly went to the reforestation campaign on Sunday?
  Is the jaguar an endangered species?	Do you know if the jaguar is an endangered species?

• Remember! A question with an embedded question is also called an indirect question. Indirect questions are more polite and formal than direct questions. 

  Direct question: Do you support green causes? > Indirect question: Can you tell me if you support green causes?

 

Source : Alison

 

• Embedded Questions

• 
• An embedded question is a question that is found inside another question or statement. 

  
  

  Regular question: Where is the recycling center?

  Embedded question: Can you tell me where the recycling center is?

  In this sentence, an embedded question is inside a longer question.

  
  

  Regular question: Is the doctor available?

  Embedded question:  I wonder if the doctor is available.

  In this sentence, an embedded question is inside a statement.
  

• Do you know if electric cars cause pollution?	Can you tell me how expensive solar panels are?
  I would like to know if landfills harm animals.	I wonder what we can do to reduce pollution.

Source : Alison

 

• Noun Clauses: Adjective Complement

• 
• A noun clause can also function as an adjective complement.  An adjective complement is a phrase that modifies an adjective. It follows the adjective in a sentence, offers more information about it, and completes the sentence. 

  
  

  adjective + noun clause

  -I'm surprised that he was hired for the job. 

  -I'm surprised he was hired for the job.*

• I'm disappointed that some 'green' political parties don't care about the environment.	I'm sad that the Western Black Rhinoceros became extinct because of poaching.
  I'm sure carbon dioxide levels in the environment are higher now than 30 years ago.*	It is interesting how biodegradable waste can be used as fertilizer.

• *Remember! The relative pronoun that can be left out when it introduces a noun clause that functions as an adjective complement.

Source : Alison

 

• Replacing Noun Clauses with So

• 
• When the answer to a question contains a noun clause, the answer can be shortened by replacing the noun clause with the word so after the verbs think, believe, guess, and hope. 

  
  

  - Are they filming a movie?

  - Yes, I believe that they are filming a documentary.

  
  

  Replace the noun clause with the word so.

  - Are they filming a movie?
  

  - Yes, I believe so.

• Do you think that there is a benefit to carpooling to work? - I think so.	Will all cars in the future be zero-emission electric vehicles? - I hope so.
  Is Greenpeace really making a difference with its social activism? - I guess so.	Are big corporations interested in helping the environment? - I don't think so.*

• *Be careful! For negative short answers, use I don't think so/I don't believe so for the verbs believe and think.  

  Use I hope not/I guess not for the verbs hope and guess. 

Source : Alison