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1、Unit4Passage1Therearedifferentkindsofbankaccounts.Themostpopularisthecheckingaccount.Acheckingaccountpaysnointerestbutithasotheradvantages.Firstly,itenablespeopletokeeptheirmoneyinasafeplace.Secondly,itallowsthemtowithdrawtheirmoneyatanytime.Thirdly,itprovidesthemwithachequebooksoth
2、attheydonotcarryalargeamountofcashwiththem. Toopenacheckingaccountitisnecessarytoseethebranchmanager.Hehastodecidewhethertheapplicantislikelytokeepacreditbalanceintheaccount.Acheckingaccountholdercanonlymakeanoverdrawalwiththemanager'spermission.Themanagerwillthereforewanttomeetthe
3、applicanttogetthenecessarybackgroundinformation.Forexample,hewillwanttoknowtheapplicant'soccupationandhisplaceofwork.Hewillalsoprobablywantareferencefromhis/heremployer.If,aftertheinterview,themanagerissatisfiedwiththeapplicant,hewillapprovetheapplication,arrangefortheapplicanttobeg
4、ivenachequebookandarrangeforamonthlystatementtobesenttotheaccountholder.Passage2 Adepositaccountisapopularkindofaccount.Ithasadvantagesoveracheckingaccounts.Forone,itiseasiertoopenthancheckingaccount.Thereisnoneedtoseethemanager.Acustomeronlyneedstofilloutaformandthendeposittheminim
5、umamountofmoneyrequiredbythebank.Thecustomeristhengivenapassbookwhichhemustbringtothebankeverytimehewishestowithdrawordepositmoney.Thepassbookisthecustomer'srecordoftheaccount. Secondly,adepositaccountearnsinterestforthecustomer.Thebankinveststhemoneythatispaidbythecustomerand,intu
6、rn,thebankpaysthecustomerinterest.TherateofinterestintheU.K.isnotfixedbutitisusuallybetween5-10%.However,adepositaccountdoeshavesomedisadvantages.Somebanksdopermitlimitedwithdrawalsinoneday.Anotherdisadvantageisthatthecustomerdoesn'treceiveachequebookandtherefore,hecannotpaydirectly
7、hisbillswiththisaccount.Unit5Passage1Aninterestrateisthecostofborrowingorthepricepaidfortherentaloffunds(usuallyexpressedasapercentageoftherentalof$100.00peryear).Weseemanyinterestratesintheeconomy----mortgageinterestrates,carloanrates,andinterestratesonmanydifferenttypesofbonds.Int
8、erestratesareimport
