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EL BOLETIN DE INGLES
AMERICANO PREFERIDO POR LOS HISPANOPARLANTES |
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OM
News # 94 - Delivered to 41492 subscribers |
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ISSN 1668-4877
December
15, 2004 |
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Dear subscriber:
Year 2004 is coming to an end. Will it be possible
to find some Peace in the New Year? That is exactly what we wish everyone.
In this issue, good news for you and very useful vocabulary and
expressions. If you like our portal, please
RATE US by
CLICKING
HERE.
See you again on January 1st in our first 2005 issue.
Estimado
Suscriptor: Finaliza el año 2004. ¿Podremos encontrar algo de Paz en el
Nuevo Año? Exactamente eso es lo que deseamos para todos.
En esta entrega, buenas noticias para ti y vocabulario y expresiones
específicas muy útiles. Si te agrada nuestro
portal,
por favor CALIFICANOS
PULSANDO
AQUI.
Nos vemos el 1° de Enero con
la primer entrega del 2005. |
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IN
THIS ISSUE: |
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4GN - Four Good News
News for our subscribers |
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Money & Finances
Using specific vocabulary
and expressions |
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OM Lucky
Special prizes
and gifts
on December 20 !! |
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OM Shopping
Our special offer Christmas 2004 |
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1.
Maybe starting from Wednesday 22 you
will stop using passwords. Using your own subscriber e-mail
will allow you to visit the whole portal with more comfort.
2.
You know we really love fun
and music and OM Personal is edutainment oriented. That is why we are
developing the new OM BROADWAY section opening on January 1st.
3.
During January 2005 we will install the international payment by credit
card.
4.
Just for all those who still
do not trust (and drive us mad), we state here: OM PERSONAL IS AND WILL STAY
F-R-E-E for a loooong time
!!!
1.
Probablemente a partir
del MIERCOLES 22 ya no utilizarás contraseñas sino el mismo e-mail con el
cual te has suscripto. Podrás recorrer todo el portal sin molestias ni
incomodidades.
2.
Ya sabes que nos gusta la diversión y la música y que OM Personal está
orientado a la educación con entretenimiento. Justamente por ese motivo
estamos desarrollando la nueva sección OM BROADWAY a estrenarse el
1° de Enero.
3.
Durante Enero 2005 inauguraremos el pago internacional con tarjeta de
crédito.
4.
Sólo para los desconfiados y desconfiadas (que cada tanto nos hacen
enojar), aclaramos aquí: OM PERSONAL ES Y CONTINUARÁ SIENDO G-R-A-T-U-I-T-O
por muuuucho tiempo más!!! |
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BANKING, PURCHASES AND PUBLIC FINANCE.
When
you buy something in a store, you may be asked: How do you want to pay?
You can answer: Cash. / Check. / With a credit card.
But that is not enough. This interesting article will help you manage the
specific vocabulary for money and finances. Pay attention to words used...
BANCA, COMPRAS Y FINANZAS PUBLICAS.
Cuando pagas algo en una tienda, suelen preguntarte: ¿Cómo va a pagar?
Puedes responder: En efectivo. / Con cheque. / Con tarjeta de crédito. Sin
embargo, con eso no es suficiente. Este
interesante artículo te ayudará a manejar el vocabulario específico del
dinero y las finanzas. Presta atención a los vocablos... |
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BANKING
In a
bank you usually have a
checking account. You
make deposits (put money in) and
withdrawals (take money out). You
write checks on the account to
pay bills. You may also have a
savings account, which usually pays
you interest -money paid for keeping
your savings there. The bank sends you a regular
bank statement showing the activity in your account. If you
take out more money from an account than you have in it (usually by
writing checks), your account is overdrawn,
a situation to be avoided! If you write a check but your account has
insufficient funds to cover it, the check
may bounce (colloquial use); that is,
the bank refuses payment. Banks also offer
certificates of deposit (CDs),
which pay you higher interest rates than savings accounts. However, money
can't be withdrawn from a CD for a specified time without a
penalty, a fee charged for
early withdrawals. |
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LOANS
Sometimes the bank
may lend you money -this is called a
bank loan. If a bank (or a savings &
loan institution) lends you money to buy a home, it is called a
mortgage. You pay back the amount of the
loan - the principal - with
interest. Banks have higher
interest rates for borrowers than for
savers. |
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CREDIT CARDS
When you use a
credit card to make purchases, you
receive a monthly statement from the
credit card company. The billing date
is the date the statement was prepared, the
balance is the amount you owe, and the
due date is the date by which you must
pay. However, you can pay a part of the balance and owe the rest (minimum
payment), but you'll incur a finance
charge, which is usually rather high. |
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SERVICES
Money that you pay
for services (e.g., to a lawyer) is usually called a
fee or fees.
Money paid for student courses (e.g., at a university) is called
tuition or
tuition fees; other costs paid by students are called
fees (e.g., registration/laboratory fee).
Money paid for a trip is a fare. |
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PUBLIC FINANCE
National and local
governments collect money from residents through
taxes. Income tax is
collected on wages and
salaries.
Inheritance tax is collected on what people inherit from others
upon death. Customs duties or
excise duties are paid on certain goods
imported from other countries. Sales tax
is a percentage of the price of goods and services, added to the total
cost. Value added tax (VAT)
(found in the U.K. and other countries, but not in the U.S.) is a tax
based on value, added to a product at each stage of production. Companies
pay corporate taxes on their profits. |
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CURRENCY
Every country has
its own currency. The
rates of exchange are published daily,
and you can check, for example, how many yen there are currently to the
dollar. |
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GLOSSARY:
bank: banco; checking
account: cuenta corriente; make deposits: depositar,
hacer depósitos; withdrawal / uizdróual /: retiro,
extracción de dinero;
write checks: extender cheques; pay bills:
pagar facturas, cuentas de gastos; savings account: caja
de ahorros; interest: interés, renta; bank statement:
extracto, resumen de cuenta bancario; overdrawn:
sobregirada, girada en exceso, en rojo, en descubierto;
insufficient funds: fondos insuficientes, sin fondos;
bounce / báuns /: rebotar, ser rechazado;
CDs = certificate of deposit: certificado de depósito a
plazo fijo; penalty: penalidad, multa, cargo
extra; lend / borrow: prestar / pedir prestado; bank
loan: préstamo bancario; mortgage / mórt-guéish
/: hipoteca, costo hipotecario; principal /
príncipal /: capital; interest rates: tasas de
interés; credit card: tarjeta de crédito;
monthly statement: resumen de gastos; billing
date: fecha de facturación; balance / bálans
l: saldo; due date: fecha de vencimiento; minimum
payment: pago mínimo; finance charge: cargo
financiero; fee / fees: honorario / honorarios;
tuition / tuíshn /: enseñanza; tuition fees:
aranceles por enseñanza; fees: pago por suscripción;
fare: tarifa de transporte; taxes:
impuestos; income tax: impuesto a la renta; wages:
salarios; salaries: sueldos; inheritance tax:
impuesto a la herencia; custom duties = excise duties:
derechos de aduana, cargos aduaneros; sales tax: impuesto
a las ventas;
VAT = Value Added Tax: impuesto al valor agregado (IVA,
en Argentina); corporate taxes: impuestos
corporativos, empresarios; currency: moneda (de un país);
rates of exchange = exchange rates: tasas de cambio. |
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ATTENTION: We will use the
article and glossary above as a basis for our OM LUCKY draw on January 20, 2005.
So please, STUDY all the specific vocabulary involved.
ATENCION: El artículo y glosario previos serán utilizados como base para
nuestro sorteo de OM LUCKY del 20 de Enero de 2005. Por lo tanto, por favor ESTUDIA
todo el vocabulario específico. |
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On next December 20 we are
giving away over 30,000 gifts to all our subscribers. On the same day, 13
SPECIAL PRIZES will honor our subscribers' faithfulness. Every subscriber will
be able to download his/her gift and/or special prize with a password sent
by email. Click on the image to check out prizes and names!!
El próximo 20 de Diciembre entregaremos más de 30.000 regalos a todos
nuestros suscriptores. El mismo día, honraremos con 13 PREMIOS ESPECIALES
la fidelidad de nuestros suscriptores. Todos podrán descargar sus regalos
y/o premios especiales con una contraseña que enviaremos por email.
Pulsa en la imagen para conocer premios y nombres!! |
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next update: january 1, 2005 |
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OM NEWS es una publicación
quincenal de distribución gratuita perteneciente al portal OM Personal
Multimedia English
www.ompersonal.com.ar. Responsable: Orlando Moure, Borges 2485, Piso
12, Dto. A, CP C1425FFI, Ciudad Autónoma de Buenos Aires, República
Argentina. |
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