CHANGE the sentences using a participle form A) 1Jane read a book after she had done her home exercises. 2Dan couldn’t enter the University as he had failed the entrance exams. 3After Nick had moved to Italy, he spoke Italian well. B) Put the verbs in brackets into the Present, Past, Perfect Participle. 1 The book (to buy) in the shop was very expensive. 2 (To arrive) to the place of destination, they were rather satisfied. 3 (To create) new ideas he wrote them.

3. In five years' time they will have demolished all the houses in this street.
7. We shall have decorated the Christmas tree before our children come back.
11. I shall have been teaching for ten years this year.
13. I am going to finish my second book by the end of this year. (publish)
15. My second book will have been published by the end of this year.
19. Before Greg calls me, I shall have been considering his proposal all the time.
23. You will be sweating until you open the window.
27. By Friday we shall have received all the needed information.
31. This year the trees will have been growing for three years.

1. If you buy something, you give money for it. The opposite is sell
2. You spend money when you use it to pay for something.
3. If you can't afford something, it is too expensive for you.
4. You earn money from work that you do. 
5. You save money by keeping it instead of spending it. 
6. If you lend money to someone, you give it to them for a short time: later they must pay it back.
7. You  borrow money when someone gives it to you for a short time. 
8. When you borrow money from someone, you owe it to them until you give it back.