7(15).Listening.ListentotwopeoplefromtheHumanResearchDepartmentdiscussingthetwoapplicants.Markthepositivepointsforeachapplicant.

Mindsomenewwords.

tobeimpressedwith	бытьподвпечатлением
shortinsmth	снехваткойчего-либо
up-to-datetheoretical knowledge	современныетеоретическиезнания
degree	степень
weak	слабый

mortgagecompany	ипотечнаякомпания
tomakearrangements	делатьприготовление,планировать

	Applicant1	Applicant2
overallqualifications
specificcourses
yearsofexperience
rangeofresponsibilities
experiencerelatedtofinance
flexibility
teampower

8.Writing.Now,usingtheideasandadvicescontainedinthislesson,writeyourownresume.

9.Reading.Readthetextandexplainthewordsinbold. ACreditCard

Acreditcardispartofasystemofpayments.Itisnamedafterthesmallplasticcardissuedtousersofthesystem.Itentitlesitsholdertobuygoodsandservicesbasedontheholder'spromisetopayforthesegoodsandservices.Theissuerofthecardgrantsalineofcredittotheconsumer(ortheuser).Sotheusercanborrowmoneyforpayment.

Mostcreditcardsareissuedbylocalbanksorcreditunions.

Whenapurchaseismade,thecreditcarduseragreestopaythecardissuer.Thecardholderindicatesconsenttopaybysigningareceipt

witharecordofthecarddetailsandindicatingtheamounttobepaidorbyenteringapersonalidentificationnumber(PIN).Also,many

merchantsnowacceptverbalauthorizationsviatelephoneandelectronicauthorizationusingtheInternet,knownasa'Card/CardholderNot

Present'(CNP)transaction.

Themainbenefittoeachcustomerisconvenience.Comparedtodebitcardsandchecks,acreditcardallowssmallshort-termloanstobequicklymadetoacustomer.Thecustomerneednotcalculateabalanceremainingbeforeeverytransaction.Creditcardsalsoprovidemorefraudprotectionthandebitcards.

Additionally,carryingacreditcardmaybeaconveniencetosomecustomers,asiteliminatestheneedtocarryanycashformostpurposes.

Creditcardswithlowintroductoryratesarelimitedtoafixedterm,

usuallybetween6and12monthsafterwhichahigherrateischarged.Asallcreditcardsassessfeesandinterest,somecustomersbecomesoencumberedwiththeircreditdebtservicethattheyaredriventobankruptcy.Creditcardswilloftenstipulateadefaultrateof20to30percentintheeventapaymentismissed.Thatis,ifaconsumermissesapayment,theratewillautomaticallyincreasetoaveryburdensomelevel.

Vocabulary

toentitle–даватьправо

alineofcredit–кредитнаялиния

areceipt–распискавполучении,квитанция

introductoryrate-

toassessfee–взиматьплатузауслуги

toencumber–затруднять,обременятьдолгамиtostipulate–оговаривать;ставитьусловиемburdensome–обременительный

adefaultrate–неуплатазадолженностипокредиту

10.GiveRussianequivalents:

acardholder

aconsent

fraudprotectionadebitcard

toprovide

11.Choosewordsfromthelisttofillinthegaps,thenusethemtomakesentences:

_{default,verbal,fraud,short-term,local,card}

1. authorization

2. issuer

3. protection

4. rate

5. loan

6. bank

12.Fillinthegapswiththewordsandexpressionsfromthetext:

1.Theissuerofthecardgrants…..totheconsumer.

2.Acreditcardallows….tobequicklymadetoacustomer.

3.Carryingacreditcard…..theneedtocarryanycash.

4.Intheeventapaymentismissedcreditcardsoftenstipulate…...

13.Answerthequestions:

1.Whatdoesacreditcardentitleitsholderto?

2.Whatdoesthecardissuergranttotheuser?

3.Howdoesthecardholderindicateconsenttopayforapurchase?

4.Whatisthedifferencebetweencreditcardsanddebitcards?

14.Usewords/phrasesfromthelisttohelpyouretellthetext:

Toentitle,tograntalineofcredit,toindicateconsent,tosigna

receipt,short-termloans,fraudprotection,tostipulateadefaultrate

_AudioScripts

Unit1Listening7(3)

In1999theminimumwagewassetat£3.60anhourforadultsand£3.00foryoungworkersagedbetweeneighteenandtwenty-one.Surveysshowedthatmostemployerswantedtheminimumwagetobe

£3.50,butatleasttheyarepleasedthegovernmentdidnotsetitat£4.00

asmanyworkersdemanded.

Unit1Listening8(4)

ThemostexpensiveplacetoliveinEuropeisOslo.Intheworldrankingitcomesinfifthposition.ParisisanotherexpensiveEuropeancityandcomesinatseventhplaceintheworldranking.Londonisintenthplace–adramaticmovefromthepreviousyearwhenitwasintwenty-eighthplace.Surprisingly,StockholmischeaperthanLondonandcomesinatthirteenthposition.DusseldorfandLyonbothcomelowerdownattwenty-firstpositionandFrankfurtisintwenty-sixthplace.

Unit1Listening9(5)

Annualholidaysvarygreatlyfromcountrytocountry.TheSpanishtakeanaverageof32.1daysholidayperyearcomparedwiththeHungariansandtheBritishwhohaveonly22.1days–justoverfourworkingweeks.IntheCzechRepublic,annualholidaysareevenlessgenerous,withtheaveragenumberofdaysatjust19.5.

Unit1Listening10(6)

RA=RobynAlton,MM=MatthewMead

foodanddrink.Ispendapproximately10%ofmyincomeonfoodanddrinkinayear.

MM:Uhhu.Ispendabout14%,I’dsay,soabitmorethanyou,but,er,lessthanthepiechart.Itseemsalot,doesn’tit?

RA:Itseemsalot.Whatabouthousing?

MM:Housing;Ispendabout27%,ermwhichisquitealot,it’salotofmyincome,erforonearea,butIambuyingasecondhouse,soitcostsmoremoney.Transportseemedquitehigh,Ithought,er15.7%fortransport.Ispendonlyabout6or7%.Whataboutyou?

RA:Ispend15%ermofmytotalincomeontransportation,ersothatdidn’tsurpriseme,thatfigure.Whatabouthouseholdgoodsandservices?

MM:Well,I’veonlygot4%,buterm,Iamnotdoingmuchworkonmyhouseatthemoment,soit’snotagreatdealofmyincome.Whataboutyou?

RA:Ispend12%onhouseholdgoodsandservices;Ispendermmoneyondecorating,gardening,ermsothat’salargepartofmyexpenditure.

MM:Right.Ispendabout16%-15or16%onleisuregoodsandservices,soaboutthesameasthepiechart.

_{RA:That’ssimilartome.Ispendabout15%.}

_travel.

MM:Right.That’songoingtothegym,spots,maybesome

RA:That’s,that’sverysimilarforme.Whatabouttobacco?I’ve,Ispend0%ontobacco.

MM:Mmm,Idon’tsmoke,soit’snotanimportantpartforme,

ander2%seemsveryhigh.

RA:Itseemstometoo.

Unit2Listening4(7)

1.TheStarbirdGroupreceivedgoodnewsthismorning.Thecompany,whichownsoverahundredhotelsinGreatBritain,hasagreedtosell30%ofitssharestoItalianentrepreneurLuigiVieri.Theshareswerevaluedat£70million.SharesinthegrouproseontheLondonStockExchange.Theyclosedat£3.50.

2.TheSwedishfurniturecompanyIKEAhasanewwayofpayingitsemployeestheirannualbonus.Themoneyfromalloftoday’ssaleswillbesharedbetweenthestaff.

3.TheBankofEnglandtodayannouncedanincreaseofaquarterofonepercentinitsbaserate.Banksimmediatelyannouncedincreasesininterestrates.Sharesfellasaresultofthisnews.

4.ItwasannouncedtodaythatAGF,France’ssecondlargestinsurancecompany,willbetakenoverbyAllianztocreatealargepan-Europeaninsurancecompany.TheheadquartersofthenewgroupwillbeinGermany.

Unit4Listening3(9)

IntheperiodfromFebruarytoMarch,thefollowingpricechangeswerenoted.Thepriceofmilkwentupfromadollarfiftytoadollarsixtyaquartwhilethepriceofan18-ouncecontainerofyogurtstayedthesameattwodollarsandfiftycents.Thepriceoftheloafofbreadincreasedslightlyfromthreedollarstothreedollarsandfivecents.Sugaralsowentupinpricefromonedollarapoundtoonedollarandfivecents.Thepriceofapplessawatwenty-centincrease.Apound

alsowentup.Thepriceofaboxof100teabagswentfromtwodollarstwentytotwodollarsthirtycents.Theonlyitemtogodowninpricewascoffee.An18-ouncecancostfourdollarsinFebruaryandthreedollarsandfiftycentsinMarch.

Unit5Listening5(11)

Int=Interviewer,KJ=KeithJackson

Int:Theglobalmarketplaceisverycompetitive;howcanacompanybecomeamarketleader?

KJ:Well,Ithinkbasicallybyhavingagoodproductandusinggoodmarketing.Buttobecomeamarketleadertherearethreemainstrategies,Ithink–cost,soreducingcost,producingmorecheaply,sellingmorecheaply;erdifferentiation–thatismakingyourproductsappearveryspecialinthemarketplace,andinnovation–sofindingnewproductsandnewwaystomarketproducts,whichisparticularlyimportantinthe,asyousaid,theglobalmarket.

Unit5Listening5(12)

Int:Canwetakeaconcreteexampleandlookatthesoftdrinksmarket?Canyouexplainhowthesethreefactorswork?

KJ:Fine,wellifyoulookaterm,costasfocus,oracost-focusstrategy,ermlet’stakecolaforexample,ermweknowthatbigsupermarketchainsintheUK–SafewaysorTescosorSainsbury’s–theyproducetheirowncolaandcansellitmorecheaplythanCoca-Cola,forexample.Ermdifferentiation,Imean,agoodexampleis,Ithink,Tango;they’vemanagedtopenetratethemarketandbecompetitivebyusingaveryinterestingandratherwackyadvertisingcampaignfortheirproduct.Erm,andinnovation,forexample,Virginweknowofaseramusicorairlinecompany;theyalsoowncinemas,

andthroughthecinemas,thedistributionchanneloftheircinemas,they’vemanagednowtopromotetheirownversionofcola,sothey’ve….innovationincontrollingdistributionmeanstheycanbecompetitiveinthecolamarket,forexample.

Unit5Listening5(13)

Int:Keith,youmentionederm,someveryfamousnamesthere,erm,companieswhichcompeteintheglobalmarketplace.Arethereanyparticularproblemsfacedbycompanieswho,whowishtobecompetitiveintheglobalmarket?

KJ:Wellyesthereare.ImentionedVirginandCoca-Colaforexample,theseareglobalplayersinthesoftdrinksmarket,ermtheydofaceparticularproblems.Wecouldtakeanotherexample–McDonald’sinthefoodretailbusiness.ForexampleMcDonald’s,themainpartoftheirsellingstrategyisthequalityoftheirproducts,thestandardizedquality.Itisverydifficultforacompanytocontrolorguaranteethequalityoftheirproductonaglobalscale.Ermparticularlywheretheyhavetobesensitivetooradapttolocalculturesandcustomerexpectations.AgoodexamplewithregardtoMcDonald’sisthefactthattheydonotsellbeefburgers,soburgersmadeofbeef,inIndia,forexample,becausethatwouldpossiblyoffendlocalculturesthere.Ofcoursegloballymarketingbecomesaparticularproblem–cancompaniesermcommunicatethesameorasimilarstandardizedmessageabouttheirproductindifferentlanguageregionsoftheworld?AndMcDonald’sweknowareveryluckyinthisrespectbecausetheyhaveagoodproductinthesensethattheproducttheyofferisrecognizedamongalargepopulation,youthfulpopulationoftheworldassymbolizingtheAmericanlifestyle,forexample,soMcDonald’sareveryluckyinthepoweroftheproductandthemessagetheyhaveonaglobalscale.Othercompaniesofcoursehavemuchgreaterdifficultieswiththeirproducts.

Unit6Listening7(15)

M=Manager,J=Jane

M:Jane,whatwasyouroverallimpressionoftheapplicants?J:Iwasimpressedwithboth,butforverydifferentreasons.

M:Yes,Iagree.Applicant1hasquitealotofexperience–

overall20years,butisalittleshortinacademicqualifications.

J:Yes,that’struewhereasApplicant2hasanM.A.inHR,andaveryrecentone,aswellasGeneralBusinessdegree.It’sveryimportanttohaveup-to-datetheoreticalknowledge.

M:You’rerightaboutthat,butontheexperiencesidedon’tyouthinkshe’salittleweak?

J:Ofcourse,butshe’sworkedatthatmortgagecompany,whichhasgivenhersomeexperienceonthefinancialsideofthingswhereasApplicant1hashadmoreexperience,butinmoregeneralsituations.

M:True,butlookatthewiderangeofresponsibilitieshe’shad

inveryimportantHRareasatmanagementlevels.

J:Butwe’relookingforsomeonewho’sateamplayerandthat’sprobablyeasierforapersonwho’snewintheworkplace.Iwonderabouttheflexibilityofapersonwho’sbeeninmanagementforsolong.

M:Let’sinvitethembothforaninterviewandkeepthesequestionsinmindaswe’reinterviewing.

J:Goodplan.I’llcallthemandmakearrangements.