Read the passage and answer the following questions

We spend money for different reasons. We buy foods, clothes or everyday essentials, pay for different services, entertain people, travel to places, help others in need or invest in business and thus spend money every day. In fact, spending is a part of our life.

Spending may make us happy or unhappy depending on how and why we spend. When we spend money on things that we need and within our limit it is good. When it becomes a compulsive behaviour, it makes life stressful. Unnecessary spending or spending beyond one's means has some bad effects. For one thing, it may lead to financial ruin or debt, and for another it may create unhappiness within families. People who overspend are never satisfied with what they have. They always rush for brands, fashion items, designer clothes etc. Over a period of time it becomes an addiction which may eventually create psychological problems.

Nowadays consumer items are displayed in stores or in advertisements in ways that they create a feeling of immediate need for them. We are constantly tempted to buy, use or consume things even when we do not have a genuine need. We all need to be careful here. Salespersons often encourage customers to buy things by flattering them. This is a perfect match for you", they would say, or 'You look so stunning in that dress." Never forget, they say the same thing to most of their customers. It is better not to be persuaded by such words. They use these words to please the customers as the more a customer buys, the higher the profit is. Overspending is not only related to shopping, it applies to other activities as well such as eating out. Many people buy too many items to eat in a restaurant. They can eat only some of them and the rest are wasted. It's not a responsible attitude. We cannot simply waste food because we have money to buy it. Young people in a shopping mall often look at an item on display and think 'Oh I must buy this. I really need this. They may not have the money needed in their wallet. So they use credit cards but using them is like taking a loan. If they are not careful, the loans increase which might lead them to a debt-trap.

(a) (iii) our life

(b) (i) the mode of spending

(c) (ii) avoided

(d) (iv) painful

(e) (i) mental disorder

(f) (iii) economic

(g) (i) alluring

(h) (ii) shiny

(i) (iv) a loan

(j) (i) frugality

(a) We spend money to buy food, clothes and other essentials. We also spend money for different utility services, entertaining people, travelling, investing in business, and helping others etc. Actually it is a part of life.

(b) Spending can make us both happy and unhappy depending on how and for what purpose we spend.

(c) Mental issues are related to overspending because people who overspend are never satisfied and always want more. This habit can turn into an addiction and may lead to stress or other psychological problems over time.

(d) Salespersons try to please the customers by praising them unnecessarily to sell their things more and more. The more a customer buys, the higher the seller’s profit is.

(e) The message is that we should spend money wisely and within our limits. Overspending can harm our finances and affect our mental health.

Read the passage and answer the following questions

My name is Amerigo. I am 13 years old and I live on the street, alone. My mother, who is separated from my father, doesn't want me. She told me to go away .... Now she is married to another man. My father lives very far away. I want to go to him, but he won't take me either. I begged him to send me some money so that I could buy a bus ticket. I am still waiting. He hasn't answered.

The streets are now my home. Sometimes I find work. I used to collect trash and sell it to a vendor. I stopped doing that after I had a serious infection and a doctor told me to stay away from the trash dump. Once I worked for an ice cream shop owner and sold ice cream on the beach. But I got no money in return. The owner of the shop gave me something to eat, and let me sleep in his hut at night. The work was difficult and painful. The ice cream box is quite heavy when it is full. I had to walk for hours, offering my ice cream to whoever wanted to buy it. There were days when I could not even sell one ice cream.

Living on the street alone
Being deprived of parental care and love
Collecting and selling trash for a living
Suffering a serious infection
Selling ice-cream without receiving wages
Walking for hours with a heavy ice-cream box

Read the passage and answer the following questions

The Island of St. Martins is the only coral island in Bangladesh located in the north-eastern parts of the Bay of Bengal. The roughly flat island is only about 3.6 metres above the sea level. The entire island can be walked about in 3 hours. The island is known for its unique natural beauty with white sandy beaches fringed with coconut palms and a diverse marine life. Due to the expansion of unregulated tourism, the island is facing increasing erosion, contamination of surface and ground water, wildlife displacement, and loss of biodiversity. Other threats include cutting of sand dune vegetation for fuel-wood and hotel establishment; degradation of sand dune habitat; the harvesting of turtle eggs; indiscriminate exploitation of coral resources etc. To address this, the Government has declared some areas of the island as Ecologically Critical Area (ECA), prohibiting unauthorized constructions there.

The St. Martin's Island is the only coral island in Bangladesh. It is only 3.6 metre above the sea level. The island is not that big and can be walked about in 3 hours. It is known for its unique natural beauty with coconut palms and a diverse marine life. The island is facing problems due to unregulated tourism. These include increasing erosion, contamination of surface and ground water, wildlife displacement, and loss of biodiversity. So, the Government has declared some areas as Ecologically Critical Area and prohibited unauthorised constructions there.

(a) lost
(b) wetlands
(c) are
(d) down
(e) recklessly
(f) result
(g) anticipated
(h) environmental
(i) imperative
(j) indiscriminate

(a) occurred (b) were made (c) for (d) prominent (e) occurred (f) also (g) emergence (h) was (i) bloody (j) hold

Order	1	2	3	4	5	6	7	8	9	10
Sentence	viii	v	ii	iii	vi	vii	ix	x	i	iv

The pie chart shows how 1,000 students travel to X College using five forms of transport. Bicycles are the most popular choice, used by 45% of the students, or 450 people. Buses come second, carrying 25%, which represents 250 students. A further 15%, or 150 students, walk to college. Motorbikes account for 10% of the total, meaning that 100 students use them. Cars are the least common form of transport, serving only 5%, or 50 students. Bicycle users outnumber bus users by 200 and car users by 400. Together, bicycles and buses account for 70% of all journeys, while walking, motorbikes and cars make up the remaining 30%. The share travelling by bicycle is nine times the share travelling by car. Overall, the chart shows that bicycles dominate travel to the college, whereas cars are used by a relatively small group.

A Scholar and a Boatman

Once there was an illiterate but efficient boatman. He used to earn his livelihood by ferrying passengers from one bank to the other of a mighty river. One day a great professor hired his boat. The scholar was enjoying his journey very much because the weather was very fine. It was almost dark and the scholar was gossiping with the boatman. "Did you have any knowledge about the creation of the universe?" the scholar asked. "No." the boatman replied. The scholar got astonished and said, "Without the knowledge of astronomy, half of your life is spoilt." The boatman became sad and thought of the uselessness of his life. The scholar again asked the boatman, "Do you know the history of human civilization?" The boatman replied the same. This time the scholar told the boatman that he had already spoilt three-fourths of his life and he could not come to any use to the society. The boatman remained silent and kept on rowing the boat in a sad mood. Suddenly, the weather became gusty. The sky became overcast with clouds. There was darkness all around. Then it started to rain heavily with lightning. The boat was about to capsize. The scholar was trembling with fear. The boatman asked the scholar, "Sir, do you know how to swim?" Hearing the question, the scholar started to cry and replied in the negative. Now, the boatman said, "Alas! Your life is totally spoilt. Pray to God for your safety."

Dhaka, Bangladesh
1 July 2025

Dear Emon,

I hope this letter finds you in good health and high spirits. I’m writing to you with some advice that I feel is important for your growth and future. I’ve noticed that you’ve been spending a lot of time on social media lately. While it’s okay to use it for relaxation and staying connected with friends, spending too much time on it can be harmful. Social media often distracts us from our studies, hobbies, and personal development. It can lead to addiction, reduce our attention span, and affect our sleep and mental health. You’re at a stage where time is precious. Use it wisely. Focus more on learning, reading good books, and developing skills that will help you in life. Balance is the key. Set a time limit for social media and stick to it. Make sure you’re using your time to become the best version of yourself.

Take care and write back soon.

With love,
Foysal

Transport	Percentage
Bicycle	45%
Motorbike	10%
Walking	15%
Bus	25%
Car	5%