I Have 30000 in Credit Card Debt Family Guy
Text half dozen . Personal Banking
A current account is an account which allows customers to take out or withdraw money, with no restrictions. Money in the account does not ordinarily earn a high rate of interest: the banking company does not pay much for 'borrowing' your money. However, many people too take a savings business relationship or deposit account which pays more interest merely has restrictions on when you can withdraw your money. Banks usually send monthly statements listing recent sums of coin going out, chosen debits, and sums of money coming in, called credits.
Well-nigh all customers have a debit card assuasive them to make withdrawals and do other transactions at cash dispensers. Most customers have a credit bill of fare which can be used for ownership appurtenances and services every bit well as for borrowing money. In some countries, people pay bills with cheques. In other countries, banks don't issue chequebooks and people pay bills by banking concern transfer. These include standing orders, which are used to pay regular fixed sums of money, and direct debits, which are used when the amount and payment date varies.
Commercial banks offer loans - fixed sums of money that are lent for a fixed period (e.k. ii years). They also offer overdrafts, which permit customers to overdraw an account - they can accept a debt, upwards to an agreed limit, on which interest is calculated daily. This is cheaper than a loan if, for case, you but demand to overdraw for a curt period. Banks besides offer mortgages to people who want to buy a place to live. These are long-term loans on which the belongings acts as collateral or a guarantee for the depository financial institution. If the borrower doesn't repay the mortgage, the bank can reclaim the house or flat - the banking concern takes it back from the buyer, and sells information technology.
Banks commutation foreign currency for people going abroad, and sell traveller'southward cheques which are protected confronting loss or theft. They also offer advice about investments and private pension plans - saving money for when y'all retire from work. Increasingly, banks also try to sell insurance products to their customers.
In the 1990s, many commercial banks idea the future would exist in phone banking and internet cyberbanking or due east-cyberbanking. But they discovered that well-nigh of their customers preferred to go to branches - local offices of the bank - particularly ones that had longer opening hours, and which were conveniently situated in shopping centres.
Exercise 44 . Interpret into English.
Поточний рахунок, відсоткова ставка, ощадний рахунок, обмеження, банкомат, видавати чекові книжки, банківський переказ, позика, овердрафт, перевищувати кредит, нараховувати відсотки, іпотечний кредит, застава, обмінювати іноземну валюту, продавати дорожні чеки, філія, програма пенсійного забезпечення, постійне платіжне доручення.
Exercise 4 five . Complete the advertizement with the words from the box.
| credit menu directly debit savings accounts | current accounts statements standing guild | debit menu foreign currency traveller's cheques |
Calling all students! ABC Bank now offers i% interest on i) _________________and ii.5% on 2) _______________. We volition give you a chequebook and plastic: a costless three) _____________for use in cash dispensers, and the possibility to use for a 4) _____________. You tin pay fixed monthly bills by 5) _____________ and other bills by 6) _____________There are no account charges as long as y'all remain in credit, and we send you gratuitous monthly seven) _____________ .Nosotros can also sell you viii) ____________ for your next vacation, or 9) _____________for greater security. What are you waiting for? Call us today!
Exercise 46 . Observe words in text 6 with the following meanings:
1. What you can earn when yous leave your money in the bank.
two. An amount of coin borrowed from a bank for a certain length of fourth dimension, usually for a specific purpose.
3. Something that acts as a security or a guarantee for a debt.
4. An arrangement to withdraw more than money from a bank account than you have placed in information technology.
5. A long-term loan to buy somewhere to alive.
half dozen. An arrangement for saving money to give you an income when yous cease working.
7. To take back property that has not been completely paid for.
Exercise 47 . Read the statements. Are they true or false? Correct the false ones.
1. Current accounts pay more interest than savings accounts. 2. There is less risk for a bank with a mortgage than with unsecured loans without collateral. 3. Traveller'southward cheques are safer for tourists than conveying foreign currency. 4. The majority of customers prefer to do their personal banking at the banking company. 5. Bank branches are at present all in shopping centres.
Exercise 48 .Translate the sentences into English.
1. Поточний рахунок - це рахунок, який дозволяє клієнтам знімати свої гроші без обмежень. two. Багато людей мають ощадні або депозитні рахунки, які виплачують відсотки, але мають обмеження щодо того, коли клієнт може зняти свої гроші. 3. Більшість клієнтів має кредитні картки, які можна використовувати для купівлі товарів чи послуг, а також для позичання грошей. 4. Постійне платіжне доручення використовується для сплати регулярних фіксованих сум і для прямого списання грошей з рахунку. five. Овердрафт дозволяє клієнту перевищити кредит свого рахунку на певну узгоджену суму, на яку щоденно нараховуються відсотки. half dozen. Банки також надають іпотечні кредити людям, які бажають придбати житло. 7. Банки обмінюють іноземну валюту і продають дорожні чеки, які захищені від втрати або крадіжки.
Practice 49 . Discuss the questions in pairs.
1. Do you/ your family/ people in Ukraine prefer to go to the local branch, or to utilize the internet or the phone? Why?
2. Why practice you think most customers still prefer to go to the banking company?
Practise 50. Learn the following words and give-and-take combinations.
| salve | – зберігати, заощаджувати |
| deposit | – v. вкладати в банк – n. депозит, вклад у банк |
| bank business relationship | – банківський рахунок; рахунок у банку |
| commercial bank | – комерційний банк |
| retail bank | – банк, що працює з населенням |
| pay interest | – виплачувати відсотки |
| depositor | – вкладник |
| grant a loan | – надавати позику |
| borrower | – позичальник |
| transfer | – v. переказувати, переводити (гроші) – n. переказ, переведення |
| assets | – активи |
| liabilities | – пасиви |
| reserve | – резерв |
| withdraw money | – вилучати, забирати гроші |
| reserve requirement | – резервні вимоги, обов'язковий резерв |
| assess | – оцінювати |
| terms and conditions | – умови (кредиту) |
| take a chance assessment | – оцінка ризиків |
| liquidity | – ліквідність |
| maturities | – строки платежу |
| yield | – дохідність |
Exercise 51 . Read, translate and give the gist of text vii.
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