{"id":546,"date":"2018-10-20T21:08:04","date_gmt":"2018-10-20T21:08:04","guid":{"rendered":"http:\/\/english.orochinagi.com\/?page_id=546"},"modified":"2026-03-18T09:50:30","modified_gmt":"2026-03-18T09:50:30","slug":"personal-finance","status":"publish","type":"page","link":"https:\/\/orochinagi.com\/english\/topics\/personal-finance\/","title":{"rendered":"Personal Finance"},"content":{"rendered":"
\"UK
UK coinage credit to payments.com<\/figcaption><\/figure>\n

UK<\/strong> pounds, notes, pence, pennies, coins, change<\/span><\/p>\n

\"US
US coins credit iStock<\/figcaption><\/figure>\n

US<\/strong> dollars, bills, cents, dimes, quarters, change<\/span><\/p>\n

How do we get money?<\/p>\n

Where do you put it? Why not under the bed?<\/p>\n

Imagine you find a job in the UK, how will you get paid?<\/p>\n

You need a bank account!<\/p>\n

I’d like to open <\/strong>an account. Is there a monthly fee<\/strong>? Is there an annual charge<\/strong>?<\/p>\n

I don’t have enough money so I’d like to apply<\/strong> for a loan<\/strong> to buy a car.<\/p>\n

My job pays<\/strong> me monthly, I have a monthly salary.<\/p>\n

I own\u00a0a car, I am the owner<\/strong> of a nice car.<\/p>\n

What do you own?<\/strong><\/em><\/p>\n

If you don’t own something and you need it now, what can you ask a friend?<\/strong><\/em><\/p>\n

-I don’t have a pen, can I borrow<\/strong> a pen?<\/p>\n

-Sure, I’ll lend<\/strong> you a pen – don’t forget, you now owe<\/strong> me a pen<\/p>\n

I don’t have enough money. So,\u00a0 I need to borrow<\/strong> some money. The bank\u00a0will <\/span>lend<\/strong> me some money.<\/span><\/p>\n

I owe<\/strong> the bank 10k, I’m in debt<\/strong> to the bank. If I don’t pay them back on time I will incur<\/strong> a charge.<\/p>\n

To manage my finances, I make a budget<\/strong>.<\/p>\n

I have money, I am<\/span> in<\/strong> credit!<\/strong>\u00a0Can I\u00a0 put in\/<\/span>make a deposit<\/strong>, I would like to\u00a0 <\/span>take out\/ withdraw<\/strong> some cash, You have no <\/span>funds<\/strong> in your account! I have no money! I don’t have any money!<\/span><\/p>\n

Note<\/strong>: Debit and Credit Cards are different (ask your teacher)!<\/p>\n

\"opening
opening a bank account – credit Forbes<\/figcaption><\/figure>\n
opening a bank account<\/h5>\n

credit\/debit, open, joint, overdraft, apply, interest, charge\/fee, pension\u00a0<\/strong><\/em><\/p>\n

I would like to _______ a bank account.<\/p>\n

What is the annual _______ for this credit card?<\/p>\n

Can I have a _______ card?<\/p>\n

What is the _______ rate on the card \/ savings \/ loan?<\/p>\n

I would like to ______ for a loan.<\/p>\n

Is there an __________ facility?<\/p>\n

Do you offer a private ______ plan?<\/p>\n

My partner and I would like to share a ________ account.<\/p>\n

Questions the Bank may ask<\/h5>\n

salary, check, living, job, proofs, gross, net, interest, current
\nidentity, renting, lending, debts, interest, bill, joint\u00a0<\/em><\/strong><\/p>\n

What do you do for a _________?<\/p>\n

May I ask, what is your monthly ______ ?<\/p>\n

What was your _______ income last year?<\/p>\n

Can I _______ you in a credit card?<\/p>\n

Are you _______ a place or are you a home owner?<\/p>\n

Do you have any ______ or liabilities, such as credit cards or loans?<\/p>\n

Do you mind if we run a credit _____?<\/p>\n

How much do you owe\/own\/owner<\/strong> on this credit card?<\/p>\n

We have a high ________ savings account for long term planning.<\/p>\n

We can offer you a _______ account for everyday spending, plus\u00a0 a separate savings account with 3% interest.<\/p>\n

If you have a partner, we also offer a _____ account.<\/p>\n

We need one form of ______ , plus two ______\u00a0 of address such as a utility or tax ______ .<\/p>\n

Telling the story<\/h5>\n

risk \/ afford \/Mortgage \/ co-sign \/ Savings \/ Default \/ evaluation \/ score<\/strong><\/p>\n

I can’t ________ to pay for a new house in cash, so I took out a ______ from the bank.<\/p>\n

They asked me a lot of questions, which is called a credit __________. I didn’t know I had a good credit ______ .<\/p>\n

Because I always pay my bills on time, I would say I’m not a credit _____, but they still asked my mum to __-____ my contract. She’ll be liable if I ________.<\/p>\n

Interview roleplay<\/h5>\n

What questions would you ask to get the following info?<\/p>\n

Monthly salary
\nLast year’s income before tax
\nOwns credit cards Y\/N (Type?)
\nTotal credit card debt
\nOwns car Y\/N (If Yes, Type?)
\nA guess of the car value
\nMonthly car payments?
\nTotal amount owing on car
\nPrevious loans Y\/N
\nMonthly loan payments
\nTotal amount owing on loans
\nOwns house Y\/N
\nValue of house<\/p>\n

Using the account<\/h5>\n

Fill, take, expecting, take out, withdraw, deposit, transfer, proof, arrived, cost<\/strong><\/em><\/p>\n

Hello, I would like to _______ some money from my account.<\/p>\n

Please ______ out this withdrawal slip \/ form.<\/p>\n

I would like to _________ some money into my account<\/p>\n

Do you have a _______ of ID \/ identity?<\/p>\n

How much does it _____ to ______ some money to my bank account in Japan?<\/p>\n

-How long will it ______ ?<\/p>\n

-One week.<\/p>\n

I’m _______ a payment from EOV Events, has it _______ yet ?<\/p>\n

<\/h5>\n

Crossword<\/a><\/p>\n

Part 2 : Problems<\/a><\/h1>\n","protected":false},"excerpt":{"rendered":"

UK pounds, notes, pence, pennies, coins, change US dollars, bills, cents, dimes, quarters, change How do we get money? Where do you put it? Why not under the bed? Imagine you find a job in the UK, how will you get paid? You need a bank account! I’d like to open an account. Is there … <\/p>\n

Continue reading “Personal Finance”<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":512,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-546","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/orochinagi.com\/english\/wp-json\/wp\/v2\/pages\/546","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/orochinagi.com\/english\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/orochinagi.com\/english\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/orochinagi.com\/english\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/orochinagi.com\/english\/wp-json\/wp\/v2\/comments?post=546"}],"version-history":[{"count":37,"href":"https:\/\/orochinagi.com\/english\/wp-json\/wp\/v2\/pages\/546\/revisions"}],"predecessor-version":[{"id":2261,"href":"https:\/\/orochinagi.com\/english\/wp-json\/wp\/v2\/pages\/546\/revisions\/2261"}],"up":[{"embeddable":true,"href":"https:\/\/orochinagi.com\/english\/wp-json\/wp\/v2\/pages\/512"}],"wp:attachment":[{"href":"https:\/\/orochinagi.com\/english\/wp-json\/wp\/v2\/media?parent=546"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}