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1. Существуют ли бесплатные банковские услуги? Нет, бесплатных банковских услуг не бывает. 2. Многие банки устанавливают плату за услуги. 3. Компании с хорошим финансовым положением получают некоторые привилегии. 4. Много ли денег на вашем расчетном счете? Да, много. 5. В моем справочнике один коммерческий банк и три страховые компании.
Exercise 8. 9 Before you listen discuss the following statements. How do you think whether they are true or false? Then listen and check if you were right.
1. The earliest kind of money was used about 3,000 years ago.
2. Shells were used a kind of fiat money.
3. The first metal coins appeared in Greece.
4. The first coins were round.
5. Paper money first appeared in China.
6. The idea of paper money traveled quickly to Europe.
Exercise 9. Read and play the dialogue.
Dan and Sally, university tutors, are discussing their financial problems
D: Hello, Sally!
S: Hi, Dick! Happy to see you again. How are things with you?
D: Not bad. And how are you doing?
S: I've a problem, you know. I've just wrecked my new
automobile. Had an accident. And I need money to have it
repaired.
D: Oh, I think I can help you. Haven't you heard about the credit
union that we formed?
S: Why, no! Could you tell me what it is?
D: It was a great idea! The members of our department pooled
their money and now anyone can apply for a loan
if necessary.
S: And may I join the union?
D: Of course you may. As a rule, a credit union consists of
members of a specific group, such as university employees.
And we belong to the same university.
S: Great! And how much do I have to pay?
D: Well, we require a minimum deposit - something about
100 dollars. And our credit union pays a higher interest rate
than many other financial institutions pay on similar accounts.
S: That also sounds good. And who manages the pool?
D: I do.
S: Fine! Then I'll have my car repaired pretty soon!
Words and phrases to remember
how are things with you?/how are you doing? - как дела?
pool - общий фонд
to pool - создавать общий фонд
to apply for - обращаться за чем-либо
to join - вступать
to require - требовать
that sounds good! - это (звучит) хорошо
to manage - управлять; успешно справляться с чем-либо
pretty soon - очень скоро
Exercise 10. Make up similar dialogues.
1. You are starting a new business and apply for funds to a commercial bank.
2. Your company has a good reputation and a commercial bank provides the prime rate for you.
3. You deposit some of your money into a bank which offers you accounts of two types. Choose one of them.
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