- •Международный консорциум «Электронный университет»
- •Unit 18. Implied Warranties 82
- •Unit 1.
- •Unit 2.
- •Answer the questions:
- •Unit 3.
- •Influences on consumers
- •Unit 4.
- •Unit 5.
- •Problem–solving:
- •Unit 6.
- •What to Do After Buying
- •What is it important to do when any problem happens?
- •Tips on Writing a Consumer Letter of Complaint
- •Unit 7.
- •Consumer Protection Agencies and Organizations
- •Problem–solving:
- •Unit 8.
- •Taking Your Case to Court
- •Problem–solving:
- •Unit 9.
- •Read and translate the text.
- •Problem–solving:
- •Deceptive sales practices
- •Easy Money
- •Problem–solving:
- •Unit 10.
- •Unit 11.
- •Unit 12.
- •Unit 13.
- •Unit 14.
- •The Electric Knife
- •Problem–solving:
- •Unit 15.
- •Problem–solving:
- •2. For each of the following situations, decide whether a contract has been made. Give your reasons.
- •Unit 16.
- •Illegal Contracts
- •Problem–solving:
- •Unit 17.
- •Express Warranties
- •Problem–solving:
- •Unit 18.
- •Implied Warranties
- •Problem–solving:
- •Unit 19.
- •Problem–solving:
- •Unit 20.
- •Problem–solving:
- •Unit 21.
- •Unit 22.
- •Unit 23.
- •Unit 24.
- •Unit 25.
- •Unit 26.
- •1. Сomplete the sentences, using the appropriate words:
- •1. Сomplete the sentences, using the appropriate words:
- •1. Сomplete the sentences, using the appropriate words:
- •1. Сomplete the sentences, using the appropriate words:
- •1. Сomplete the sentences, using the appropriate words:
- •1. Сomplete the sentences, using the appropriate words:
- •Unit 6. What to Do After Buying
- •1. Сomplete the sentences, using the appropriate words:
- •Unit 7. Consumer Protection Agencies and Organizations
- •1. Сomplete the sentences, using the appropriate words:
- •Unit 8. Taking Your Case to Court
- •1. Сomplete the sentences, using the appropriate words:
- •1. Сomplete the sentences, using the appropriate words:
- •4. What values do you know?
- •1. Complete the sentences, using the appropriate words from the box:
- •1. Complete the sentences, using the appropriate words from the box:
- •1. Complete the sentences, using the appropriate words from the box:
- •1. Complete the sentences, using the appropriate words from the box:
- •1. Complete the sentences, using the appropriate words from the box:
- •1. Complete the sentences, using the appropriate words from the box:
- •1. Complete the sentences, using the appropriate words from the box:
- •3. Translate the following sentences into English:
- •1. Complete the sentences, using the appropriate words from the box:
- •1. Consumers should be cautious regarding sales offers made by telephone because:
- •1. Complete the sentences, using the appropriate words from the box:
- •2. Are the statements true (t) or false (f)? Correct the false statements.
- •1. Complete the sentences, using the appropriate words from the box:
- •1. Complete the sentences, using the appropriate words from the box:
- •1. Complete the sentences, using the appropriate words from the box:
- •1. Complete the sentences, using the appropriate words from the box:
- •1. Complete the sentences, using the appropriate words from the box:
- •1. Complete the sentences, using the appropriate words from the box:
- •2. The finance charge is:
- •Daily (adj.) ежедневный, повседневный
- •Disclaimer (n.) отказ от ответственности
- •Slightly (adv.) слегка
1. Complete the sentences, using the appropriate words from the box:
|
Debtors; default; unsecured; collateral; interest; conditions; creditors; finance charge; secured; variable; usury; in the future. |
Using credit means buying goods or services now in exchange for a promise to pay… .
People who lend money or provide credit are called… .
People who borrow money or buy on credit are called … .
Additional money owed to the creditor is called the… .
The two general types of credit are … and … .
A … is some property of value put up by a consumer as protection in the event the debt is not repaid.
A borrower who does not make the required payments is said to … on the loan.
The cost of credit includes … and other finance charges.
Charging any amount above the legal limit is called … .
Interest rates can vary widely depending on the lender and the economic … at the time.
Some companies now offer … interest rates, when the amount of interest you are charged changes from time to time and is computed based on financial market indicators.
2. Are the statements true (t) or false (f)? Correct the false statements.
Credit means lending money now in exchange for a promise to repay it in the future.
Creditors usually pay debtors additional money over the amount borrowed for the privilege of using the credit.
There are three general types of credit.
Secured credit is credit for which the consumer is not required to pledge property in order to obtain it.
If a borrower defaults, the lender can take the collateral.
Each state sets limits on the amount of interest that can be charged for various types of credit.
Lenders who charge interest rates below the legal minimum may be liable for both civil and criminal penalties.
Besides the interest paid on a credit sale, there are sometimes other charges that may be added onto the basic price: credit property insurance; credit life/disability insurance; service charge; penalty charge, and others.
UNIT 21. Credit
Cards and Charge Accounts
1. Complete the sentences, using the appropriate words from the box:
|
Transaction; toll–free; advances; unauthorized; identification; compete; owe; compute; accounts. |
Many stores and companies issue credit cards and allow their customers to maintain charge… .
Some of these cards can also be used to obtain cash … from banks and bank machines.
Credit cards are engraved with the holder’s name and … number.
Companies issuing credit cards send out monthly statements indicating how much you … .
Some companies impose interest charges from the date of the … .
Companies use different methods to … interest.
Providers of credit … with each other to get new customers.
Many major credit card companies have … telephone numbers.
If your credit card is lost or stolen, you are not responsible for any … charges made after you have notified the issuer that the card is missing.
2. Are the statements true (+) or false (-)? Correct the false statements.
Consumers can use credit cards to buy gasoline, take a vacation, go out to dinner, and buy furniture, clothing, and many other things.
Companies provide these cards free.
Consumers are usually given a credit limit and can make purchases up to that limit.
Some credit card and charge accounts allow you to pay bills over time.
All companies use the same methods to compute interest.
To more easily compare the rates charged by different companies, you can ask what annual percentage rate (APR) is charged.
Annual interest rates may vary by as much as 10 percentage points.
Credit cards are in such wide use today that certain goods and services may be difficult to obtain without one.
For protection, any person with credit cards should keep a list of the following information for each card: the name of the company issuing the card, the account number on the card, and the number to call if the card is lost or stolen.
If your credit card is lost or stolen, you are responsible for any unauthorized charges made after you have notified the issuer that the card is missing.
UNIT 22. EFT Cards and Debit Cards