1. Lecturer: Miljen Matijašević G10, room 6/I e-mail: miljen.matijasevic@gmail.commiljen.matijasevic@gmail.com Session 2

2. 1. Revision of the last session 2. Money and Personal Finance

3. Saying numbers

4.  Write out these numbers in full: 1. 345,892 2. 0.199 3. €1,548,756.89 4. 132,259 5. 4,984.6518 6. 75.975 %

5. 1. 345,892 – three hundred and forty-five thousand eight hundred and ninety-two 2. 0.199 – nought/zero point one-nine-nine 3. €1,548,756.89 – one million five hundred and forty-eight thousand seven hundred and fifty-six euros eighty-nine (cents) 4. 132,259 – one hundred and thirty-two thousand two hundred and fifty-nine 5. 4,984.651 – four thousand nine hundred and eighty-four point six-five-one 6. 75.975 % - seventy-five point nine-seven-five percent

6.  Write out these numbers in full: 1. 123,456.789 2. $49.99 3. 1801 4. 23,567,023.2532 5. $32.02 6. 0.235 %

7. 1. 123,456.789 – one hundred and twenty-three thousand four hundred and fifty-six point seven-eight-nine 2. $49.99 – forty-nine dollars ninety-nine (cents) 3. 1801 – eighteen oh one 4. 23,567,023.2532 – twenty-three million five hundred and sixty-seven thousand twenty-three point two-five-three-two 5. $32.02 – thirty-two dollars two cents 6. 0.235 % - nought/zero point two-three-five percent

9. an account a balance a bill a loan a fee interest Discuss the meaning of these terms. Can you think of their Croatian equivalents? Can you find a logical connection between some of these words?

10. an account – (bankovni) račun a balance – stanje računa a bill – račun (za platiti) a loan – kredit, pozajmica a fee – naknada interest – kamata Think of typical verbs to use with these nouns! Discuss the meaning of these terms. Can you think of their Croatian equivalents? Can you find a logical connection between some of these words?

11. open/close an account check a balance pay/send/receive a bill take out/pay off a loan pay/charge a fee pay/charge interest Make a sentence for each collocation! Discuss the meaning of these terms. Can you think of their Croatian equivalents? Can you find a logical connection between some of these words?

12.  RAČUN  account  bill  receipt \ri ˈ si:t\  invoice

13.  RAČUN  account (bankovni račun)  bill (račun koji treba platiti)  receipt (potvrda o plaćanju)  invoice (faktura)

14. +-  credit an account  pay/deposit money into an account  be in the black  NOUNS: deposit, credit  debit an account  (with)draw/take out money from an account  be in the red (account overdrawn)  NOUNS: withdrawal, debit

15. Types of accountAn account can be:  current account  savings account  foreign currency account  business account / giro account  overdrawn  frozen Additional account vocab:  account balance  bank statement

16.  overdrawn – in the red  (account) balance – funds available in the account  bank statement – a statement showing all the credit and debit transactions and the balance

17.  cash ◦ (bank)notes/bills (US) ◦ coins, change  debit/charge card (e.g. Maestro)  credit card  cheque  funds/money transfer Apart from a bank, you can get cash from a:  cashpoint, a.k.a. ◦ cash machine ◦ ATM (automated teller machine)

18.  PAY  cash  credit card  one’s own money  the bill  drinks  the waiter  tax  the dinner  a salary into an account  tuition

19.  PAY  (IN) cash  BY credit card  WITH one’s own money  the bill  FOR drinks  the waiter  tax  FOR the dinner  a salary into an account  tuition

20. Jane Sadler opened her............. with the Medway Bank on 28 January 2003, with a cash............. of £300. On 15 February she wrote a............. for £53.25 and this appeared as a............. on the bank statement on 20 February. On 22 February she took out £60 in............. from a cashpoint machine. On the following day the bank debited her account by £33.50 for a............. she had made using her.............. Her monthly salary was paid directly into her account and this appeared as a............. for £802.20 on 26 February. There were no further............. on her account and she finished the month with a............. of £955.45.

21. Jane Sadler opened her ACCOUNT with the Medway Bank on 28 January 2003, with a cash DEPOSIT of £300. On 15 February she wrote a CHEQUE for £53.25 and this appeared as a DEBIT on the bank statement on 20 February. On 22 February she took out £60 in CASH from a cashpoint machine. On the following day the bank debited her account by £33.50 for a PAYMENT she had made using her DEBIT CARD. Her monthly salary was paid directly into her account and this appeared as a CREDIT for £802.20 on 26 February. There were no further TRANSACTIONS on her account and she finished the month with a BALANCE of £955.45. Translate the text!

22. Thank you for your attention!