Drill plete the form:
Drill 10. Fill in the puzzle and find the missing word. Use these clues to help you.
CLUES:
1. The money you earn.
2. … of charge means you do not have to pay.
3. The section of a form where you put the details for your own record.
4. To … an account (start).
5. The office of a bank, in your town.
6. A … signature is an example for the bank.
7. Metal pieces of money.
8. Someone who works in a bank.
9. Paper money.
SHORT-TERM INVESTMENTS
Drill 1. Read the dialogue and translate it:
Peter Finbury visits the bank. He has $200,000 capital that he'd like to invest. He wants $ 50,000 immediately available at short notice, $ 80,000 at 4 to 5 years, and the rest can be interested at long term. He also wants to give his wife, Helen power of attorney.
The manager, Walter Watson, has several possibilities to offer: a current account at 1/2 % with the possibility of immediate withdrawal; a deposit account at 3 1/2 % offering the possibility of withdrawing $ 10,000 immediately, and larger amounts with 3 months' notice; certificates of deposit at 6 1/4 % for fixed periods of 3, 4 or 5 years; and finally, long-term investments with terms depending on a proposal from the investment department.
Watson Good morning, sir.
Finbury Good morning.
Watson What can I do for you?
Finbury I've recently acquired a small amount of capital and I'd like to find out about investing it.
Watson In order to advise you, may I ask what your profession is, what your plans are, the term of
your investment, and above all, the sum you have at your disposal.
Finbury Yes, but I'd just like some general information on investments first. My capital … um … I
don't want to block all my capital. I may need some of it one of these days… I'd like to
invest… half the capital, say, and have the rest at my immediate disposal. Let's say, I'd invest
in the order of 200,000.
Watson Good. How soon would you like to have access to your capital once it's been invested?
Finbury Well, er… that depends a little on my car. I'd like to get a new one in a couple of years. I
also plan to take a holiday abroad in a year's time. The rest can remain blocked.
Watson You've got several possibilities, then. First, a current account, which you know about, which
pays a very small interest of 1/2 %.
Finbury That's very little.
Watson Yes, of course. You have a second possibility, which is a deposit account. This pays 3 1/2
% … less tax. It also entitles you to a cheque-book. You can withdraw up to 10,000 a
month. Larger sums need 3 month's notice.
Finbury And … er … can I deposit any sum?
Watson Yes, there's no limit. What I suggest, in fact, is that you open a deposit account with enough
in it to cover your immediate needs. As for the rest, we can ask our investment department
to make you a proposal.
Finbury That's interesting. But I'm not sure. I'll need 40,000 to 50,000 at short notice. I'd like to
invest in the order of… er… 80,000 in a long term investment and I'd like to have the
remaining 80,000 available at, say, 4 to 5 years' notice.
Watson In that case, we can offer you our certificates of deposit at 3, 4 or 5 years.
Finbury Mmm.
Watson And the interest is higher than on a deposit account. They pay 6 1/4 %.
Finbury That's interesting. If I give my wife power of attorney, would that be valid on all my
accounts?
Watson Certainly. And it remains valid even after your death.
Finbury Mmm. Then, I'd like you to send me a proposal for investment. Meanwhile, I'd like to
open a deposit account as you suggest, and I'd like to put in 50,000. We'll see about the rest
later.
Watson How much would you like in certificates of deposit?
Finbury Oh, say, 80,000.
Watson So, 50,000 in a deposit account, 80,000 in certificates of deposit, and we can send you a
proposal for the remainder.
Finbury That's right.
Watson Can I ask you for some details so that I can fill in these forms. First of all, your name's Finbury. (wtites) And your first name …?
Finbury Peter.
Watson Your profession?
Finbury Um… author.
Watson Your address?
Finbury 15 Church Street.
Watson Your wife's name is… ?
Finbury Helen.
Watson … and her maiden name?
Finbury Setton.
Watson Here's the form for the opening of an account. If you could sign it here… and here… .
Thank you. And could I have a specimen of your signature here, please… . Thank you.
Finbury Do you need my wife's signature?
Watson Yes. Possibly you could ask her to come with you the next time you come to the bank.
Finbury Fine.
Watson Could I have you passport, please? … Thank you. All right. Let's go over to the counter
and you can deposit the 50,000.
Watson Certainly.
VOCABULARY
to acquire | приобретать |
to find out | узнать, выяснить |
in order to | для того, чтобы |
disposal at your immediate disposal | распоряжение в вашем немедленном распоряжении |
to have access | иметь доступ |
to depend on | зависеть |
to remain | оставаться |
less less tax | за вычетом за вычетом налога |
to entitle | давать право |
to make a proposal | сделать предложение |
to be valid | быть действительным |
maiden name | девичья фамилия |
SUGGESTED ACTIVITIES
Drill 2. Find the English equivalents for the following:
· Недавно я приобрел небольшой капитал;
· Мне бы хотелось вложить часть моего капитала, а остальное иметь в моем немедленном распоряжении;
· Мне понадобится $5,000 по краткому уведомлению, а остальное я могу заморозить;
· Я использую мою чековую книжку регулярно для оплаты счетов;
· Проценты по депозитным счетам составляют 3 1/2 %;
· Текущий счет дает Вам право на чековую книжку;
· Я бы хотел иметь доступ к $ 50,000 приблизительно через 3 года;
· Проценты по текущему счету составляют только 1/2 %;
· Мне бы хотелось инвестировать часть моего капитала в акции;
· Может ли Ваш инвестиционный департамент сделать мне предложение?;
· Депозитный счет ограничивает сумму, которую Вы можете снять единовременно;
· Если Вы дадите Вашей жене доверенность, она может снимать деньги со всех Ваших счетов;
· Сроки зависят от предложения из инвестиционного департамента;
· Доверенность действительна даже после Вашей смерти.
Drill 3. Answer the questions:
1. What is the purpose why Mr. Finbury came to the bank?
2. What possibilities has the manager, Walter Watson, to offer?
3. Does Mr. Finbury want to block all his capital?
4. How soon would he like to have access to his capital?
5. What are his plans for the future?
6. Why doesn't he want to open a current account?
7. What are the advantages of the deposit account?
8. Can Mr. Finbury deposit any sum in this case?
9. In which case is the interest higher than on a deposit account?
10. What is the interest in case with certificate of deposit?
11. What accounts will Mrs Finbury's power of attorney be valid on?
12. What will happen after Finbury's death if he gives his wife power of attorney?
13. How long will the power off attorney remain valid?
14. What kind of proposal would he like the bank to send him?
15. What kind of account would Mr. Finbury like to open?
16. How much would he like to put in?
17. What about the rest of his capital?
18. How much does Mr. Finbury want in certificates of deposit?
Drill 4. Agree or disagree with the following:
1. Mr. Finbury wants to block all his capital.
2. His plans are: to get a new boat in a couple of years and to take a holiday to Moscow in a year's time.
3. Mr. Watson offers him to open a current account, which pays a very large interest as compared with a deposit account.
4. The next possibility is a deposit account, which pays 3%… less tax.
5. A deposit account doesn't entitle to a cheque-book.
6. In case with a deposit account you can deposit a fixed sum only.
7. As for the rest, the bank can ask its investment department to make a proposal.
8. In case with certificates of deposit the interest is lower than on a deposit account. They pay 3 %.
9. If Mr. Finbury gives his wife power of attorney it wouldn't be valid on all his accounts.
10. Mrs. Finbury's power of attorney will remain valid even after her death.
11. Mr. Finbury'd like to open a deposit account as Mr. Watson suggests, and to put in 60,000.
12. He'd like to put in 20,000 in certificates of deposit.
13. Mr. Watson doesn't need Mrs. Finbury's specimen of signature.
14. Mr. Watson asks Mr. Finbury to come with his wife the next time to take a check-book.
Drill 5. Ask the questions for the following:
… ? I've recently acquired a small amount of capital and I'd like to find out about investing it;
… ? I'd just like some general information on investments first;
… ? I don't want to block all my capital. I may need some of it one of these days… ;
… ? I'd like to invest … half the capital, say, and have the rest at my immediate disposal;
… ? My capital … um … . Let's say, I'd invest in the order of 200,000;
… ? I would like to have access to my capital as soon as I find convenient;
… ? Well, er … that depends a little on my car;
… ? I'd like to get a new one in a couple of years;
… ? I also plan to take a holiday abroad in a year's time;
… ? The rest can remain blocked;
… ? You've got several possibilities, then;
… ? A current account pays a very small interest of 1/2/%;
… ? A deposit account pays 3 1/2/% … less tax;
… ? It also entitles you to a cheque-book;
… ? You can withdraw up to 10,000 a month. Larger sums need 3 month's notice;
… ? You can deposit any sum. There is no limit;
… ? If you need to cover your immediate needs you should open a deposit account;
… ? As for the rest, we can ask our investment department to make you a proposal;
… ? In case with certificates of deposit the interest is higher than on a deposit account. They pay 5 1/4
%;
… ? If you give your wife power of attorney it would be valid on all your accounts?;
… ? And it remains valid even after your death;
… ? Yes, we need your wife's signature. Possibly you could ask her to come with you the next time
you come to the bank;
… ? Yes, here is my passport.
Drill 6. Imagine Mr. Finbury coes to the bank to find out about investing his capital. Act out the dialogue. The following plan may be of help:
1. Mr. Finbury introduces himself and tells about the purpose of his coming;
2. Mr. Finbury speaks about his plans for the future;
3. Mr. Watson speaks about several possibilities;
4. Mr. Watson explains some details of filling in the forms.
Drill 7. Act out a similar dialogue, changing the names and figures.
PRACTISE
Cкажите, что Вы :
имеете небольшую сумму денег и хотели бы узнать о ее инвестировании | |
сначала хотели бы получить общую информацию об инвестициях | |
не собираетесь замораживать весь Ваш капитал | |
хотите вложить часть своего капитала | |
хотите иметь остальную часть в своем немедленном распоряжении | |
хотите иметь доступ к своему капиталу так скоро, насколько Вы сочли это удобным для Вас | |
планируете приобрести новый автомобиль через пару лет | |
собираетесь отдохнуть за границей через год | |
хотите открыть депозитный счет с достаточным количеством денег на нем для покрытия Ваших немедленных нужд | |
хотите дать Вашей жене доверенность на все ваши счета | |
собираетесь внести $50,000 на депозитный счет | |
должны заполнить бланк для открытия счета | |
попросите свою жену зайти в следующий раз, когда пойдете в банк, чтобы оставить образец своей подписи |
LOANS AND BORROWINGS
At a bank.
Mr. Creed: Good morning. What can I do for you, sir?
Mr. Milton: Good morning. My name’s Milton. I’ve got a small account in your bank, but I need some
money. What I have in my deposit account is not enough.
Mr. Creed: What’s the balance of your account at the moment?
Mr. Milton: About 3 thousand dollars. But I need 5 thousand to make a down payment for a car I’m
going to buy. I’ve had a car accident - not through my fault - but my car’s been
completely written off. I need car for my job.
Mr. Creed: And what’s your profession?
Mr. Milton: I’m a salesman in a firm of electric home appliances. I have to travel around my sales
area, and I have to visit local salesmen. I’m planning to buy a car in installments. My
question is this: can the bank give me a lot to cover the down payment?
Mr. Creed: And was the last one your own car?
Mr. Milton: Yes, I’d just finished paying for it.
Mr. Greed: And isn’t your employer prepared to help you in this particular case?
Mr. Milton: Maybe he would be … but I’d prefer to avoid asking him.
Mr. Greed: How much is the car you plan to buy?
Mr. Milton: 15 thousand dollars. Now I have to give a down payment of 5 thousand.
Mr. Greed: And how much you pay the balance?
Mr. Milton: In monthly installments of 500 dollars.
Mr. Greed: How would you pay back the 5 thousand dollars to the bank?
Mr. Milton: Monthly … at the rate of, say, 250 dollars a month. I could probably manage larger
payments in a few months. At the moment, however, things are a bit tight.
Mr. Greed: Well, I’m afraid we wouldn’t be able to give you a personal loan of this type.
Nevertheless, we have an affiliated firm called Finloan who deals with matters like this.
They can organize a loan against a monthly deduction from your salary.
Mr. Milton: That’s fine. I had hoped to do it directly with you, but I’ll go to Finloan.
Mr. Greed: We could probably have given you an overdraft of 2 thousand dollars since your salary
is, as I see, paid regularly into your account. Alternatively we might have given you a
short-term loan for 2-3 months. However, Finloan would be more appropriate and
Mr. Wilkinson, the director of Finloan, can help you. You can mention our talk.
Mr. Milton: Well, thank you … Good morning.
Mr. Greed: Good morning, sir.
VOCABULARY
loan | заём |
short-term loan | краткосрочный заём |
balance | остаток, сальдо |
to cover | покрыть, оплатить |
down payment | авансовый платёж наличными |
to write off | списывать |
installment | частичный взнос |
in installments | в рассрочку |
an affiliated | фирма-филиал |
nevertheless | тем не менее |
appropriate | подходящий |
SUGGESTED ACTIVITIES
Drill 1. Find the English equivalents for the following :
· мне нужна некоторая сумма денег;
· осуществить авансовый платеж;
· я попал в аварию;
· мой автомобиль полностью пришел в негодность;
· купить автомобиль в рассрочку;
· ссуда для покрытия авансового платежа;
· выплатить остальное;
· ежемесячные взносы;
· в размере;
· организовать большие выплаты;
· дела идут плохо;
· тем не менее;
· дочерняя фирма;
· иметь дело с вопросами, подобными этому;
· ссуда под ежемесячные вычеты из Вашей зарплаты;
· сделать это непосредственно с;
· однако;
· Финлоун будет более подходящей фирмой;
· упомянуть наш разговор.
Drill 2. Answer the questions:
1. Who was Mr. Milton?
2. Why was he going to buy a car?
3. How much did it cost?
4. Was the last one his own car?
5. Was Mr. Milton’s employer prepared to help him?
6. What was the balance of Mr. Milton’s account at that moment?
7. How was he planning to buy a car?
8. How much was the car Mr. Milton planned to buy?
9. How much money did he have on his deposit account?
10. How much did he need to make the down payment?
11. In what way did he plan to pay back the 5 thousand?
12. In what way did he plan to repay the 10 thousand?
13. Was the bank able to give him a personal loan of this type?
14. What did Mr. Creed advise to Mr. Milton?
15. How could Finloan organize a loan?
Drill 4. Ask the questions for the following:
…? I’ve got a small account in your bank, but I need some money.
…? About 3 thousand dollars.
…? I need 5 thousand dollars to make a down payment for a car.
…? I’ve had a car accident and my car’s been completely written off.
…? I’m a salesman in a firm of electric home appliances.
…? I’m planning to buy a car in installments.
…? I’d prefer to avoid asking my employer to help me.
…? 15 thousand dollars.
…? I have to give a down payment of 5 thousand.
…? In monthly installments of 500 dollars.
…? I’m going to pay back monthly … at the rate of, say, 250 dollars.
…? Yes, I could probably manage larger payments in a few months.
…? Nevertheless, we have an affiliated firm called Finloan who deals with matters like this.
…? Yes, they can organize a loan against a monthly deduction from your salary.
…? We could probably have given you an overdraft of 2 thousand dollars or we might have given you
a short-term loan for 2-3 months.
Drill 5. Translate into English:
Г-н Крид: Доброе утро. Чем могу быть полезен?
Г-н Милтон: Доброе утро. Мое имя Милтон. У меня есть счет на небольшую сумму в вашем
банке, но мне нужна некоторая сумма денег. То, что я имею на своем депозитном
счете – недостаточно.
Г-н Крид: А какой остаток на Вашем счете на данный момент?
Г-н Милтон: Около 3.000 долларов. Но мне нужны 5.000 для оплаты авансового платежа за авто-
мобиль, который я собираюсь приобрести. Я попал в аварию – не по моей вине – но
мой автомобиль полностью пришел в негодность. А мне нужен автомобиль для мо-
ей работы.
Г-н Крид: Кем Вы работаете?
Г-н Милтон: Я занимаюсь продажей электробытовых приборов. Я должен объезжать торговые
точки. Я планирую купить автомобиль в рассрочку. Мой вопрос заключается в сле-
дующем: может ли банк предоставить мне ссуду для покрытия авансового плате-
жа?
Г-н Крид: Ваш прошлый автомобиль был Вашим собственным?
Г-н Милтон: Я только что закончил платить за него.
Г-н Крид: А Ваш работодатель готов помочь Вам в этом особом случае?
Г-н Милтон: Может быть он бы и мог … но я предпочитаю избегать просьб такого характера.
Г-н Крид: Сколько стоит автомобиль, который Вы планируете купить?
Г-н Милтон: 15.000 долларов. Сейчас я должен выплатить авансовый платеж в размере 5.000.
Г-н Крид: А как Вы собираетесь выплатить остаток?
Г-н Милтон: Ежемесячными взносами по 500 долларов.
Г-н Крид: Как Вы собираетесь вернуть обратно 5.000 банку?
Г-н Милтон: Ежемесячно … в размере, скажем, 250 долларов в месяц. Я мог бы вероятно спра-
виться и с большими выплатами, но через несколько месяцев. На данный момент,
однако, дела мои плохи.
Г-н Крид: Что ж, я боюсь, что мы не в состоянии дать Вам ссуду. Тем не менее, мы имеем
дочернюю фирму, которая занимается вопросами, подобными этому. Они могут
организовать ссуду под ежемесячные вычеты из Вашей зарплаты.
Г-н Милтон: Отлично. Я надеялся решить этот вопрос прямо с вами, но пойду в Финлоун.
Г-н Крид: Мы могли бы вероятно предоставить Вам овердрафт в размере 2.000 долларов,
начиная с того момента, как Ваша зарплата регулярно стала бы перечисляться на
Ваш счет. Или же мы могли бы предоставить Вам краткосрочную ссуду на 2-3 ме-
сяца. Однако, Финлоун будет более подходящей для Вас фирмой и г-н Вилкинсон,
директор Финлоун, поможет Вам. Вы можете упомянуть о нашем разговоре.
Г-н Милтон: Хорошо, спасибо … Доброго утра.
Г-н Крид: Доброго утра.
PRACTISE
Скажите, что Вы :
имеете счет на небольшую сумму в банке, но Вам нуж-на еще некоторая сумма денег | |
нуждаетесь в 5.000 для оплаты авансового платежа за автомобиль, который пришел в негодность после ДТП | |
собираетесь купить автомобиль в рассрочку | |
предпочитаете избежать просить работодателя о по-мощи в этом особом случае | |
должны выплатить авансовый платеж в размере 5.000 долларов | |
cобираетесь выплатить остаток ежемесячными взно-сами по 500 долларов | |
могли бы справиться и с большими выплатами, но через несколько месяцев | |
xотели бы решить этот вопрос прямо с банком, но пой-дете в Финлоун | |
можете предоставить краткосрочную ссуду на 2-3 ме-сяца | |
можете обратиться в фирму Финлоун, поскольку она будет более подходящей для Вас |
PERSONAL LOANS
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