appeal [epi:i] v.
To appeal to someone is to be interesting or attractive to them.
-*■Sleeping all day appeals to me, but I have to go to school.
assume lasju-M v.
To assume something is to think that it is true, even with no proof.
-* I assume you are both familiar with this plan.
borrow [bo(:)rou] v.
To borrow something is to take it and then give it back later.
-» Can I borrow a pencil to use today? I’ll give it back to you tomorrow.
r client [klaiant] n.
A client is a person or business that pays another to do a service.
-♦She has many clients who enjoy coming to her salon.
r downtown [dauntaun] n.
The downtown is the center of most cities.
-* The downtown is filled with many tall buildings.
r dull tdAl] adj.
If something is dull, it is not exciting.
-* The movie was very dull. I fell asleep watching it.
r embarrass [imbseras] v.
To embarrass someone is to make them feel ashamed or foolish.
-* He was embarrassed when he couldn’t remember her name.
r fare [fear] n.
A fare is an amount of money paid to use a bus, train, or taxi.
-*■Since he is a senior, my grandfather pays a low fare for the bus.
r former [fo:rma:r] adj.
Former describes something that used to be but is not any more.
-» The hotel, a former castle, was built over 200 years ago.
r formula [fbrmjele] /?.
A formula is a set mathematical way or method of solving a problem.
-* I learned a new formula that may help us with our problem.
found [faund] v.
To found a company or organization means to start it.
-» The pilgrims founded one of the first colonies in the United States.
r invest [invest] v.
To invest means to use money in a way that will bring a profit later.
-* I invested money in a new building that should bring me a profit.
r loan [loun] n.
A loan is the act of lending something, usually money.
-»I got a loan from the bank.
r practical [prsektikal] adj.
If something is practical, it is useful in normal life.
—Learning English is practical; you can use it in many places.
r quarter [kwo:rter] n.
A quarter is 25 cents.
-*■He paid a quarter for the candy.
r salary [sseleri] n.
A salary is how much money a person makes at his or her job.
-»He got a new job with a better salary.
r scholarship [skaleirjlp] n.
A scholarship is money given to one so they can go to school.
-»I got a scholarship to help me pay for university.
r temporary [tempered] adj.
If something is temporary, it exists for a short time.
-*■This car is only temporary; I’ll get a new one soon.
C treasure [tre3e:r] n.
A treasure is a collection of valuable things, especially jewels or gold.
-* They became very rich when they found the buried treasure.
r urge [e:/-d3] v.
To urge someone is to try very hard to get them to do something.
-»■He urged them to believe his story.

The Taxi Driver
Peter’s job was driving a taxi downtown. He made a small salary. But he
liked his job because it wasn’t dull. Every day, he saw new things that appealed
to him. Peter was practical about the future. “Maybe I can get a scholarship to
college,” he thought. “I could learn mathematical formulas and get a job at a
bank. I could help clients invest their money.”
Peter stopped to pick up a passenger. “Where to?” he asked.
“Go to the Fourth Street Bank. And don’t talk to me. I’ve had a rough day,”
the man said. Peter was angry, but he had a peaceful philosophy. When they
stopped, the man’s fare came to $10.25. He put his hands in his pockets. “ I
can’t find my wallet!” he said. “I can’t pay the fare!”
Peter said, “Maybe I’ll give you a temporary loan. You can borrow ten dollars
and a quarter from me.”
The man was embarrassed, saying, “ I was mean to you, but now I want to
help you. I founded this bank. I want to give you one thousand dollars.”
That much money was like a treasure to Peter. The man urged him to take the
money, but he didn’t.
“You’re an honest person,” the man said. “I
assumed you would take it. I want you to work for
The next day, Peter started his job at the bank.
He was happy to be done with his former job.