NGÔN NGỮ ANH _ VB2 _ KT KỸ NĂNG TỔNG HỢP 5

ĐỀ 1 KTRA 1-KỸ NĂNG TỔNG HỢP 5
1. TEST 1: Read the instruction carefully and do the required task
1. PART 2: READING (3p)
Read the text.
WORKING WITH MONEY
A . THE FINANCIAL ADVISOR
In my job people either come to me or I go to them. This is because most of my clients
are working full time and only have the evenings or weekends free. We usually spend a
few hours going through money matters and then I work out with the client how best their
money can be invested and how to plan for their retirements. I give advice on anything
from pension funds to taking equity out of property. In short what I’m doing is advising
people how to make their money work for them and provide them with a secure future.
B . THE DEBT COUNSELLOR
The people who usually consult me are often desperate to find a way out of a very
difficult and traumatic situation. These days I’m seeing more and more people who have
overreached themselves and been tempted by easy credit. They can’t see a way forward
and that’s where I come in. My job often involves reassuring people that there are ways
out of their problems. However, in the course of my work I also encounter people whose
lives revolve around spending money that they haven’t got and who are neither willing
nor able to change their ways.
C . THE ACCOUNTANT
I work in partnership with two other people and we are always extremely busy! We
mainly deal with small businesses or individuals who need help with their taxes. We
calculate their profits (or losses) and advise on what expenses they can claim for. Some
forms they have to complete look quite complex but for people with our experience
they’re really quite straightforward. Some of our clients think we should be able to save
them enormous amounts of money but we’re certainly not miracle workers!
D . THE ECONOMIST
In my opinion the economy is a fascinating subject and I try to pass this on to my
students. It’s such a wide subject. There are so many influences you have to consider and
a successful economist must be familiar with all the markets and current trends. As we’ve

seen recently with unstable stock markets world wide, predicting how an economy is
going to do is almost impossible because of all the contributory factors. Friends often ask
for advice on what shares to buy or sell but unfortunately there are no guarantees in my
business and it’s always a big risk!


Complete the sentences with the correct person A–D.
1. _______ is a teacher.
2. _______ thinks his subject is not straightforward.
3. _______ doesn’t work office hours.
4. _______ has some clients that do not take his advice.
5. _______ doesn’t always do what his clients expect.
1. D
2. D
3. A
4. B
5. C
2. PART 3: WRITING (4p)
Write a description of one of your neighbours. Use the writing guide to help you.
Paragraph 1: Say who the person is and how you know him/her.
Paragraph 2: Write about the person’s physical appearance.
Paragraph 3: Write about this person’s personality.
Paragraph 4: Write about any special abilities this person may have and say why he/she is
an interesting person to know.
I live in HCM City and accompany my parents in a medium-sized apartment. I have a
neighbor named Mr. Tuan who lives next door to us.
Mr. Tuan is a highly extroverted man with the look of an adventurer. He is around six
feet in height and loves to be casual always in his attire. I have never seen him wearing
any formal clothes even when he attends his office. But he is cautious about his hair and
regularly combs them with a small hair comb which he keeps always in his pocket.

Moreover, Mr. Tuan is fond of kids as he does not have any kids. However, he is a jolly
person with a deep voice and is helpful too in many aspects.
I like Mr. Tuan much for his benevolence behavior and his extrovert nature. He likes
meeting newer people and most of the time I see him talking with people whom he has
never met before and once he told me that it is a hobby for him to get familiar with the
unfamiliar people in his surroundings. Besides, he is the person who understands almost
every situation and comes to offer help without any conditions. He has helped me too in
some of the situations and particularly in my study. Whenever he comes to visit us, he
asks about my study and if I am in trouble with any of my subjects, especially English, he
provides me with the directives to study and in some cases makes the texts and issues
clear to me.
Mr. Tuan is truly an adorable neighbor. Being an extrovert, he inquiries about the
problems of the people and supports them after his ability. But sometimes he feels shy
when he fails to help the vulnerable and I have seen him apologizing carefully to the
people whom he could not help for his inability. He also takes as much care as possible to
his neighbors and after that scheme, he teaches me sometimes my tough subjects like
general math, biological science and English. I am grateful to him for his unconditional
support. Moreover, he sends birthday wishes to all of his neighbors and he also has
wished me on my last birthday and presented me with a nice binocular. He is the perfect
neighbor I have ever seen.
3. PART 1: GRAMMAR (3p)
Complete the sentences with the present perfect simple or continuous form of the verbs in
brackets.
1. I __________________ (have) this cold since I went swimming last Friday.
2. How often __________________ (you be) to the USA?
3. I __________________ (often wonder) if learning another language would be difficult.
4. Where __________________ (you stay) for the last few days?
5. What __________________ (you do) to your hair? It looks great!

6. How long __________________ (you go out) with Freddy?
7. What __________________ (you eat)? There are red marks on your shirt.


8. Katy and I __________________ (know) each other since we were at primary school
together.

1. have had
2. have you been
3. have often wondered
4. have you been staying
5. have you done
6. have you been going out
7. have you been eating
8. have known


ĐỀ 3
KTRA 1-KỸ NĂNG TỔNG HỢP 5
1. TEST 1: Read the instruction carefully and do the required task
1. PART 2: READING (3p)
Read the text.
A HOME OF YOUR OWN?
A home of their own is what most people in the UK aspire to these days. However, more
and more of our older population are finding it difficult to stay in their own homes as the
health problems associated with increased age sometimes make it impossible for them to
cope in badly designed houses.
The elderly cannot climb the stairs and if they use wheelchairs, there are often problems
getting from one room to another because of narrow doorways, let alone trying to
manoeuvre their chairs up and down outdoor steps. [1 _______] All too often the help

that could allow them to remain in their own homes at the end of their lives is not
available and these people are forced to move into care homes. Here, their needs are
catered for but they often feel isolated and away from familiar surroundings and their
friends and family.
In an effort to address this problem the UK government has announced plans that seem,
on the surface, to be fairly dramatic. [2 _______] There will be sixteen such
specifications and they include improvements that could significantly affect life
positively for the elderly. Stairs will have to be wide enough to accommodate stair lifts
should the installation of one become necessary. [3 _______] Electrical sockets and
switches in walls must be at a convenient height and all rooms must be large enough for
wheelchairs to turn in circles. These are only a few examples of what architects and
builders will have to take into consideration in the future.
[4 _______] The general idea has been welcomed by many care groups but the
practicalities are causing concern in many quarters. Not least among those who are
worried about the cost of providing new housing. [5 _______] Members of the House
Builders Association feel that the plans have not been carefully thought through and that
implementing such specifications, although theoretically laudable, is simply not realistic.
It is also felt that people have different housing needs at different stages of their lives and
forcing all new homes to be built with the elderly in mind is not going to be a popular
move. Debate on the subject will no doubt continue for a long time yet!
COMPLETE THE TEXT WITH SENTENCES A–F. THERE IS ONE SENTENCE
YOU DO NOT NEED.


A. They want all new homes built in the UK from 2011 onwards to conform to
specifications that will make them elderly-friendly.
B. Safety for children will also be addressed.
C. It is feared that conforming to all the specifications will push up the prices and put
new homes out of the reach of first-time buyers.
D. Adapting their houses to make life easier for these people is a costly business and

most cannot afford the necessary changes.
E. These plans have met with mixed reactions.
F. There must be easy access for wheelchairs to the front door and through doorways.
1. D
2. A
3. F
4. E
5. C
2. PART 3: WRITING (4p)
Write a story about a disastrous evening when everything went wrong. Include these
points.
• Describe how the evening started.
• Write about at least three things that went wrong.
• Say how you felt and what you did.
• Describe how the evening ended.
The most disastrous evening in my life happened last year on my birthday. I hoped it
would be one of my most wonderful birthdays and I was almost sure everything would
turn out well. But one should always expect some unpredictable events that can ruin your
expectations in an instant.
While preparing myself to get ready for the party which would be at my favorite club,
something terrible happened. In a second of total carelessness I dropped my glasses in the


bathroom and one lens fell out of the frame. I couldn't believe it. Was that the first sign
that I was going to have a disastrous evening?
Then, I met with my friends in the club and I felt a very happy receiving so many flowers
and presents. Everything was going well when I decided to go to the bathroom and check
myself in the mirror. As I was rushing downstairs I slipped because there was some water
on the stairs. I broke a heel. The only thing I could do was to ask my neighbor go to my
house and get me another pair of shoes. I felt awful. The moment I slipped on the stairs I

tried to avoid falling down and I broke the watch that I had recently received.
On the whole, I had a horrible evening even though I tried to pretend everything was all
right. At least, I was happy to have all my friends next to me and I was glad to see them
enjoying themselves.

3. PART 1: GRAMMAR (3p)
1. Complete the sentences with the correct form of the verbs in brackets.
1. I thought Archie __________________ (leave) but in fact he was in the cafeteria.
2. Who is expected __________________ (win) the next election?
3. The meeting __________________ (finish) by 4.30 so give me a ring then.
4. He admitted __________________ (steal) the painting after the police arrested him.
5. The examiner asked me why I __________________ (chose) to learn English.
6. How long __________________ (you want) to be an astronaut?
7. My niece __________________ (can) talk until she was two.
8. You __________________ (earn) a lot more money this time next year.
1.
2.
3.
4.
5.
6.

would leave
to win
finishes
having stolen
had chosen
do you want

7. could
8. will be earning


ĐỀ 2
KTRA 1-KỸ NĂNG TỔNG HỢP 5
1. TEST 1: Read the instruction carefully and do the required task
1. PART 2: READING (3p)
Read the text.
A home of your own?
A home of their own is what most people in the UK aspire to these days. However, more
and more of our older population are finding it difficult to stay in their own homes as the
health problems associated with increased age sometimes make it impossible for them to
cope in badly designed houses.
The elderly cannot climb the stairs and if they use wheelchairs, there are often problems
getting from one room to another because of narrow doorways, let alone trying to
manoeuvre their chairs up and down outdoor steps. [1 _______] All too often the help
that could allow them to remain in their own homes at the end of their lives is not
available and these people are forced to move into care homes. Here, their needs are
catered for but they often feel isolated and away from familiar surroundings and their
friends and family.
In an effort to address this problem the UK government has announced plans that seem,
on the surface, to be fairly dramatic. [2 _______] There will be sixteen such
specifications and they include improvements that could significantly affect life
positively for the elderly. Stairs will have to be wide enough to accommodate stair lifts
should the installation of one become necessary. [3 _______] Electrical sockets and
switches in walls must be at a convenient height and all rooms must be large enough for
wheelchairs to turn in circles. These are only a few examples of what architects and
builders will have to take into consideration in the future.
[4 _______] The general idea has been welcomed by many care groups but the

practicalities are causing concern in many quarters. Not least among those who are
worried about the cost of providing new housing. [5 _______] Members of the House
Builders Association feel that the plans have not been carefully thought through and that
implementing such specifications, although theoretically laudable, is simply not realistic.
It is also felt that people have different housing needs at different stages of their lives and
forcing all new homes to be built with the elderly in mind is not going to be a popular
move. Debate on the subject will no doubt continue for a long time yet!


COMPLETE THE TEXT WITH SENTENCES A–F. THERE IS ONE SENTENCE
YOU DO NOT NEED.
A. They want all new homes built in the UK from 2011 onwards to conform to
specifications that will make them elderly-friendly.
B. Safety for children will also be addressed.
C. It is feared that conforming to all the specifications will push up the prices and put
new homes out of the reach of first-time buyers.
D. Adapting their houses to make life easier for these people is a costly business and
most cannot afford the necessary changes.
E. These plans have met with mixed reactions.
F. There must be easy access for wheelchairs to the front door and through doorways.
1. D
2. A
3. F
4. E
5. C
2. PART 3: WRITING (4p)
Write a story about a disastrous evening when everything went wrong. Include these
points.
• Describe how the evening started.
• Write about at least three things that went wrong.

• Say how you felt and what you did.
• Describe how the evening ended.
The most disastrous evening in my life happened last year on my birthday. I hoped it
would be one of my most wonderful birthdays and I was almost sure everything would
turn out well. But one should always expect some unpredictable events that can ruin your
expectations in an instant.

While preparing myself to get ready for the party which would be at my favorite club,
something terrible happened. In a second of total carelessness I dropped my glasses in the


bathroom and one lens fell out of the frame. I couldn't believe it. Was that the first sign
that I was going to have a disastrous evening?

Then, I met with my friends in the club and I felt a very happy receiving so many flowers
and presents. Everything was going well when I decided to go to the bathroom and check
myself in the mirror. As I was rushing downstairs I slipped because there was some water
on the stairs. I broke a heel. The only thing I could do was to ask my neighbor go to my
house and get me another pair of shoes. I felt awful. The moment I slipped on the stairs I
tried to avoid falling down and I broke the watch that I had recently received.

On the whole, I had a horrible evening even though I tried to pretend everything was all
right. At least, I was happy to have all my friends next to me and I was glad to see them
enjoying themselves.
3. PART 1: GRAMMAR (3p)
Complete the sentences with the correct form of the verbs in brackets.
1. I __________________ (meet) the new employee at 4.30. Is there anything you’d like
me to ask him?
2. Don’t call me on my mobile between four and five this afternoon because I
__________________ (drive).

3. __________________ (the judges make) their decision by the end of today?
4. Don’t worry about phoning Martin with the news. I __________________ (tell him) at
school.
5. Quick! Marian __________________ (faint)!
6. When __________________ (the shop open)? I need to get some milk.
7. I’ve decided. I __________________ (study) Science at university.
8. Ben __________________ (probably win) the student election. He’s very popular.
9. The train __________________ (arrive) at 6.30 so we should be home by seven.
10. Don’t forget to give him the letter when he __________________ (get) home.
1. am meeting
2. will be driving.


3. Will the judges make
4. will tell him at school.
5. is going to faint!
6. will the shop open
7. am going to study
8. will probably win
9. arrives
10. gets


ĐỀ 4
KTRA 1-KỸ NĂNG TỔNG HỢP 5
1. TEST 1: Read the instruction carefully and do the required task
1. PART 2: READING (3p)
Read the text.
WORKING WITH MONEY
A . THE FINANCIAL ADVISOR

In my job people either come to me or I go to them. This is because most of my
clients are working full time and only have the evenings or weekends free. We
usually spend a few hours going through money matters and then I work out with
the client how best their money can be invested and how to plan for their
retirements. I give advice on anything from pension funds to taking equity out of
property. In short what I’m doing is advising people how to make their money
work for them and provide them with a secure future.
B . THE DEBT COUNSELLOR
The people who usually consult me are often desperate to find a way out of a very
difficult and traumatic situation. These days I’m seeing more and more people who
have overreached themselves and been tempted by easy credit. They can’t see a
way forward and that’s where I come in. My job often involves reassuring people
that there are ways out of their problems. However, in the course of my work I also
encounter people whose lives revolve around spending money that they haven’t got
and who are neither willing nor able to change their ways.
C . THE ACCOUNTANT
I work in partnership with two other people and we are always extremely busy! We
mainly deal with small businesses or individuals who need help with their taxes.
We calculate their profits (or losses) and advise on what expenses they can claim
for. Some forms they have to complete look quite complex but for people with our
experience they’re really quite straightforward. Some of our clients think we
should be able to save them enormous amounts of money but we’re certainly not
miracle workers!
D . THE ECONOMIST


In my opinion the economy is a fascinating subject and I try to pass this on to my
students. It’s such a wide subject. There are so many influences you have to
consider and a successful economist must be familiar with all the markets and
current trends. As we’ve seen recently with unstable stock markets world wide,

predicting how an economy is going to do is almost impossible because of all the
contributory factors. Friends often ask for advice on what shares to buy or sell but
unfortunately there are no guarantees in my business and it’s always a big risk!
Complete the sentences with the correct person A–D.
1. _______ is a teacher.
2. _______ thinks his subject is not straightforward.
3. _______ doesn’t work office hours.
4. _______ has some clients that do not take his advice.
5. _______ doesn’t always do what his clients expect.
1. D
2. D
3. A
4. B
5. C

2. PART 3: WRITING (4p)
Write an essay with the title: You can never have too much money. Use the writing
guide to help you.
Paragraph 1: Introduce the topic and say what you understand by the statement.
Paragraph 2: Outline points that agree with the statement.
Paragraph 3: Outline points against the statement.
Paragraph 4: Summarise and give your opinion.
Nowadays, money plays an important role in our lives to survive. Some people will want
to have a lot of money but some people never have too much money. And in the next few
paragraphs I will clarify my point of view. I completely agree that we never have too
much money.


Humans are greedy, so they will never find that they have enough money for themselves
as well as their family. Typically, my uncle, when he was poor, he could afford to buy a

motorbike, he felt satisfied. But when he had a motorcycle, he was hoping to earn more
money to buy a car. So, money is never enough when we do not feel satisfied with our
needs.
On the other hand, many people find that they have a lot of money. When we understand
that self-satisfaction and feel enough - full, this is the time we can save and spare some
money. For myself, I usually do charity or help the people around me and this is only
possible when I feel that I have a lot of money and I am willing to share it to another.
Although I am not a billionaire but when I feel "enough", I will see that I have a lot of
money. That's why I won't hesitate to donate.
In short, there is a lot of money or money depending on our ability and ability to satisfy
ourselves. We should also consider the fact, not all people are same. The usage of money
makes it good or bad. Thus, money in itself is not good or bad. Usage of money makes it
good or bad. The same money can be used for a good cause. Money or any other thing in
too much is just a tool.

PART 3: WRITING (4p) Imagine you witness a large fire and see fire-fighters
save a young child from the building. Write the story of the rescue for a magazine.
Use the writing guide to help you.
Paragraph 1: Say what you were doing when the fire started.
Paragraph 2: Say what happened and describe the scene.
Paragraph 3: Describe how the fire-fighters saved the child.
Paragraph 4: Comment on the bravery of the fire-fighters and what happened to the
other people involved.
Concerning the accident that look took at Ben Thanh Tourist Building a couple of
months ago, the following report is submitted after a thorough analysis of the facts.
On the 7th of March 2021, a fire broke out around 02:00 pm. On Saturday
afternoon, I was busy doing my project work when suddenly I heard a loud noise
from a building opposite my flat. I could not resist the temptation to see and find a
huge gathering outside.

The fire was gulping everything it could and high flames and smoke had covered
the whole sky. People were pouring buckets of water on the flames and fire. Some
of the people were trapped and were crying for help. The scene was of complete
disaster, nothing could be saved. It was found later that a fire broke out due to a
short circuit in one of the inside shops.

The firemen were summoned immediately. They used ladders and tried to hoist
themselves through the window into complete darkness, with thick smoke and zero
visibility. Hearing muffled noises in the distance, he called out but received no
response. He then dropped to the ground and, crawling on all fours, began to
search for the children. Amidst the smoke and flames, he found each child, one at a
time. Each one had gone unconscious, and as he came across each limp figure not
knowing whether they were dead or alive, carried them quickly back to the
window, passing each body to a waiting firefighter on the other side. He completed
these motions until all two children were rescued. The children were badly burned
and were suffering from smoke inhalation. They were treated on-scene by
paramedics and transported in critical condition to local hospitals.

In those dangerous places, when personnel with lists are always trying to get out,
the firefighters rush into the sea of fire, into the deep pit, jerk with the god of
death, save the property. Brave events, entertaining spirit, forget yourself for the
sake of the mission to create a good impression in people's hearts. Two children are
alive today because of the courageous actions taken by firefighters.
3. PART 1: GRAMMAR (3p)
Complete the sentences with the present perfect simple or continuous form of the
verbs in brackets.
1. I __________________ (have) this cold since I went swimming last Friday.
2. How often __________________ (you be) to the USA?
3. I __________________ (often wonder) if learning another language would be

difficult.
4. Where __________________ (you stay) for the last few days?
5. What __________________ (you do) to your hair? It looks great!


6. How long __________________ (you go out) with Freddy?
7. What __________________ (you eat)? There are red marks on your shirt.
8. Katy and I __________________ (know) each other since we were at primary
school together.
1. have had
2. have you been
3. have often wondered
4. have you been staying
5. have you done
6. have you been going out
7. have you been eating
8. have known


ĐỀ 5
KTRA 1-KỸ NĂNG TỔNG HỢP 5
1. TEST 1: Read the instruction carefully and do the required task
1. PART 2: READING (3p)
Read the text.
ARE YOU ‘UNDERAGE’?
Something interesting has been happening on the music scene recently. Remember the
time when you had to be a certain age to be able to get into concerts and clubs and when
it seemed you had to wait forever to be old enough to experience the really exciting openair gigs? Teenagers used to spend time and money trying to make themselves look
eighteen and many even invested in fake IDs to get past the security guards! Well, it
appears that the tables have turned and a new phenomenon has arrived. This is keeping

the older music fans out and forcing them to try to appear younger or have fake IDs that
prove they are under eighteen.
What is it? It’s the brainchild of Sam Gascoyne, a fifteen-year-old who got fed up with
being turned away from concerts and decided to do something about it. This will be the
second year of the extremely popular ‘Underage’ festivals.
‘Underage’ started as a nightclub night for youngsters who wanted to listen to bands that
are popular today. According to Sam, teens today are getting involved in music and the
music industry at younger and younger ages and their needs are not being catered for.
They are no longer content to listen to the type of music nightclubs usually provide for
under-eighteen nights. They want more cutting edge music.
The London Underage club nights developed into Underage clubs and the idea spread
like wildfire and was copied in towns and cities all over the UK. Last year saw the first
Underage Music Festival on 10th August in London’s Victoria park. It was an amazing
event. Open only to 14–18 year olds the morning started with a queue of over 2,000
teenagers without a parent in sight! The only adults were the security people and twentysomethings trying to look younger!
The festival was well organised and offered the best in indie music. It was well equipped
to deal with the needs of the adolescent fans: food bars, cash points and lots of security to
reassure absent parents that the kids would be safe. The whole day was a great success,
the teenagers thoroughly enjoying the fact that they had a festival of their very own.
The ‘Underage’ phenomenon has proved so successful that Sam is now considered by
many to be a teen role model. He remains unfazed by it all. He admits to being annoyed
by the increased attention of the music industry. He feels very strongly that teenagers are
being let down by an industry run by people who are more interested in money than
music and who are too old to understand teenage needs. He insists that in this


technological age young people are more aware of new trends in music than ever before
and ingrained attitudes in the industry need to change.
ARE THE SENTENCES TRUE OR FALSE?
1. In the past only teenagers were allowed into some live concerts. T / F

2. Sam Gascoyne turns teenagers away from concerts. T / F
3. ‘Underage’ has brought new music to a younger audience. T / F
4. The underage festivals only allow one adult with each teenager. T / F
5. Some older people attempt to enter these festivals. T / F
1. F
2. F
3. T
4. F
5. T
2. PART 3: WRITING (4p)
Write an essay with the title: You can never have too much money. Use the writing guide
to help you.
Paragraph 1: Introduce the topic and say what you understand by the statement.
Paragraph 2: Outline points that agree with the statement.
Paragraph 3: Outline points against the statement.
Paragraph 4: Summarise and give your opinion.
Nowadays, money plays an important role in our lives to survive. Some people will want
to have a lot of money but some people never have too much money. And in the next few
paragraphs, I will clarify my point of view. I completely agree that we never have too
much money.
Humans are greedy, so they will never find that they have enough money for themselves
as well as their family. Typically, my uncle, when he was poor, he could afford to buy a


motorbike, he felt satisfied. But when he had a motorcycle, he was hoping to earn more
money to buy a car. So, money is never enough when we do not feel satisfied with our
needs.
On the other hand, many people find that they have a lot of money. When we understand
that self-satisfaction and feel enough - full, this is the time we can save and spare some
money. For myself, I usually do charity or help the people around me and this is only

possible when I feel that I have a lot of money and I am willing to share it with another.
Although I am not a billionaire when I feel "enough", I will see that I have a lot of
money. That's why I won't hesitate to donate.
In short, there is a lot of money or money depending on our ability and ability to satisfy
ourselves. We should also consider the fact, not all people are the same. The usage of
money makes it good or bad. Thus, money in itself is not good or bad. Usage of money
makes it good or bad. The same money can be used for a good cause. Money or any other
thing in too much is just a tool.
3. PART 1: GRAMMAR (3p)
1. Complete the sentences with the correct form of the verbs in brackets.
1. I thought Archie __________________ (leave) but in fact he was in the cafeteria.
2. Who is expected __________________ (win) the next election?
3. The meeting __________________ (finish) by 4.30 so give me a ring then.
4. He admitted __________________ (steal) the painting after the police arrested him.
5. The examiner asked me why I __________________ (chose) to learn English.
6. How long __________________ (you want) to be an astronaut?
7. My niece __________________ (can) talk until she was two.
8. You __________________ (earn) a lot more money this time next year.
1.
2.
3.
4.
5.
6.
7.
8.

would leave
to win
finishes

having stolen
had chosen
do you want
could
will be earning