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Personal finance
У вас свой личный счет или общий с супругом (-ой)? Вы ему (ей) полностью доверяете? Небольшая история о личных финансах одной семьи пополнит ваш «финансовый» словарный запас.
Candace Reynolds was feeling a bit sad as her boyfriend, Gordon Wrotha, waved goodbye and drove in the direction of HeathrowAirport. He'd be abroad on a business trip for two weeks. So the sound of the post arriving a few minutes later made her slightly more cheerful. She picked up the letters and was surprised to see one from the bank where she and Gordon had their current account.
"Why are they sending us another bank statement?" she thought. "Gordon said last week that the monthly statement had arrived," Because he worked in banking, she let him handle all their money matters. But she opened the new statement anyway, drinking her tea as she read. Ten seconds fater her cup hit the floor.
She telephoned her bank manager.
"Mr Harris? My bank statement says our joint account is overdrawn by £5,000," she said anxiously. "I just don't understand. I deposited a cheque last Wednesday for £15,000. My friend Samantha Vaughn bought my BMW Mini. It must be cleared by now."
There was a silence as Mr Harris looked at her account on his computer screen. Finally he spoke:
"I'm sorry, Ms Reynolds, but the cheque from Ms Vaughn bounced. The overdraft on your account followed a direct debit last week for £3,500 to Sunbed Caribbean Holidays."
"What? But we went to Wales on holiday last month..."
"I see. And your overdraft increased after the standing order for £1,000 a month to Ms Vaughn's account was transferred."
"What standing order? For... Samantha? Oh — now I understand! Cancel it ... and cancel that holiday!"
"I can only stop the standing order. And wait a moment. The balance has changed again. Mr Wrotha has just withdrawn £1,000 from a cash machine at the airport. Your joint account is now £6,000 overdrawn."
"Block the account immediately! And the credit card!"
"Yes, certainly, Ms Reynolds. I'm sorry, but I'm afraid there will still be bank charges for the overdraft and for blocking further payments."
"But I have a current account with extras, you know, insurance and that sort of thing. Doesn't that protect me?"
"Not in this case, because Mr Wrotha authorized these payments. The insurance works only if you lose your job, or if your holiday is cancelled because of sickness."
"Bounce" refers to the action of springing back or up. Something that is made of rubber bounces well, so a bounced cheque is sometimes called a "rubber cheque".
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authorize sth.
balance
bank statement
block sth.
bounce
cancel sth.
cash machine
cleared
current account UK, checking ~ US
deposit a cheque
direct debit
insurance
joint
overdraft
overdrawn: be ~
rubber
standing order UK
thrifty
transfer
withdraw (money)
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санкционировать что-л.
сальдо счета
выписка со счета
заблокировать что-либо
быть непокрытым
аннулировать что-либо
банкомат
зачисленный
текущий (расчетный) счет
внести чек
прямое дебетовое списание
страховка
общий
перерасход по счету
превышенный
резина
постоянное поручение клиента банку
экономный
переводить
снимать (деньги)
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EXERCISE: Money matters
Create words from the letters in the brackets.
Next morning in his hotel in the Caribbean, Gordon tries to pay using a credit card.
Gordon: What do you mean that my credit card is a)__________(DECKOLB)?
Receptionist: Sorry, sir. But the computer says your card can no longer be used for this particular b)________ (CAUNTOC).
Gordon: Well, perhaps then I can c)__________(THRIWWAD) some money from a cash machine.
Receptionist: Perhaps, sir.
Gordon: Can I pay by d)__________ (QUEECH)?
Receptionist: We'd have to call your bank, sir. To make sure it doesn't e)__________(NOBUCE).
Source: Business Spotlight 1/2009
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