Используйте Present Simple, Present Continuous или Present Perfect.

  • Hello Nancy
    It (1) _________ (be) time since my last letter to you. I (2) ____________ (still/work) at ABS and the company (3) _____________ (do well). This is very fortunate as many of my friends (4) ___________ (lose) their jobs. Our savings (5) _____________ (take) a disastrous dive because of the economy. I (6) ____________ (know) the situation everywhere is difficult and I (7) __________ (be) happy I still have a job. My friend Michael and his wife Georgia (8) ______________ (now, live) in Virginia. Michael (9) ______________ (finish) studying massage therapy. He (10) __________ (run) a small clinic in partnership with another woman. He and Georgia (11) _____________ (look) for a full-time job, though, as they (12) _____________ (lose) money also. As I say, many people (13) __________ (have) a hard time now.

  • has been
    am working/is doing
    have lost
    have taken
    know/am
    live
    has finished
    is running
    are looking for/have lost
    are having