Not having your cards can be seen as being unprepared to market yourself and your business.

听力原文： If you're having trouble paying your bills, consider all your alternatives before deciding to file for bankruptcy. A credit counseling service can help you a great deal. These organizations work with you and your creditors to develop debt repayment plans: you deposit money each month with the counseling service, and they pay your creditors. I would caution against getting a second mortgage or home equity line of credit. These loans may allow you to consolidate your debt, but they also require your home as collateral. If you fail to pay, you can lose your home.

What is the subject of the speaker's talk？

A．Credit card options

B．Private loan sources

C．Bank loan possibilities

D．Alternatives to bankruptcy

A.Credit card options

B.Private loan sources

C.Bank loan possibilities

D.Alternatives to bankruptcy

听力原文：M: Morning, Alice. Still having problems with your faucet？

W: No, got that fixed. But I have another headache—trying to make a decision about credit cards. Well, I need one but which one？

M: Yes, that is tricky, especially since the rates are not standard.

W: That's fight. What people don't realize is that the credit associations like Visa and MasterCard don't issue credit cards or set terms and interest rates individual banks do,

M: So you will need to investigate what interest rates are charged by different issuers.

W: Yes, also how the rates are actually calculated, I think.

M: Alice, you should remember to ask them what roles you must follow to maintain these rates. If you don't pay off your bill, all new charges will begin rising immediately.

W: Yes, that's another problem and banks charge varying amounts for annual membership, late payments and exceeding your credit line.

M: You know, I read somewhere that 70% of people with credit cards pay interest on their purchases and only about 2% of the cardholders knew the interest rate they were being charged. Nearly all credit card debt carries an interest rate of 24% or less.

W: Wow, I guess I should ask a few hard questions.

(1)

A．She is not sure whether to get a credit card or not.

B．She is not sure how to use a credit card.

C．She is not sure which credit card to choose.

D．She is not sure how much credit line she needs.

Paying bills

Many landlords prefer to collect rent directly from a bank account.

You may be able to obtain cheaper services if you pay bills directly from a bank account，e. g. telephone, gas/water/electricity.

If you are given a chequebook, you can also write cheques as a safe way of paying for things.

Cash

You can easily obtain money from cash machines，or pay directly from your account using a debit card(借记卡).

Saving money

It is generally cheaper to use a UK account than it is to pay by credit card(信用卡)or withdraw (提取) cash from a foreign bank.

Employment

If you work in the UK，some employers require you to have a bank account so that you can get your pay.

Advantages of UK Current Account

Paying bills： 1) to pay rent directly from ①

2) to obtain ② services

3) to pay for things with cheques safely

Cash：1)to obtain money from ③ easily

21 to pay directly from your account

Saving money：cheaper to use a ④ account

Employment：to get your ⑤ through a bank account

听力原文：W: Good afternoon.Mr.Burke. Did you have a good lunch？

M: Yes,thank you,Miss Ventner.It was very good.Did anyone phone while I was out？

W: No, nobody phoned,but...er...Mr.Cooper came.

M: What？But he's the man I told you about!

W: Yes,I know,He came in for something urgent.He said he wanted to see you right away,but...

M: Well,then,why didn't you phone me？We all know that Mr.Cooper has some very important information.I wanted to talk to him as soon as possible.I told you all that before I left.Didn't you understand me？

W: Yes,of course,I understood you,Mr.Burke,but...

M: I even gave you a card with the name and phone number of restaurant!I put it on your desk.

W: But that's just it!You didn't give me the card.You didn't put it on my desk!

M: What do you mean？Of course I did.I took the card out of my wallet just before I went to lunch! Look!It isn't in my wallet now I! OH!

W: Mr.Burke,what's that card on the floor？It fell out of your wallet a second ago.

M: That card？It's...er...it's the card I thought I gave you.

W: You see!You forgot to give me the card!That's why I didn't phone.I didn't know where you were having your lunch.

M: No,of course you didn't.I'm very sorry,Miss Ventner.It wasn't your fault.I apologize.

W: That's all right.Please forget it.

What happened when the man was out？

A．Someone phoned.

B．Someone came.

C．The woman went out.

D．The woman phoned the man.

Regular ecommerce merchant accounts are expensive. But ecommerce 【S1】______

service providers promote "free merchant accounts" as alternatives

to help for online business owners to reduce the cost of handling 【S2】______

online transactions. You can start with selling your products on the 【S3】______

Internet without the hefty upfront cost of a regular ecommerce

merchant account. Though free merchant accounts are, of course, 【S4】______

not completely free. There're several options to conduct in online 【S5】______

transactions cost-effectively.

3rd Party Credit Card Processors You can handle online credit

card for processing without a merchant account. 3rd party credit card 【S6】______

processors are companies that accept credit card orders on behalf

of other online businesses. They process the transactions and

send you a monthly payment. If you don't sell, you don't pay. However,

the credit card processors charge you by a few extra percentage points 【S7】______

on transactions in comparison to having your own ecommerce 【S8】______

merchant account.

Discount Merchant Accounts Merchant banks may waive setup fee

and even monthly fee under certain conditions while charging a 【S9】______

higher transaction fee. You do have your own merchant account

in comparing to the option of using a third part credit card processor. 【S10】______

If you don't process, you don't pay.

Merchant Account Bandied with Ecommerce Hosting

Ecommerce hosting companies offer merchant account as part of

hosting package. But they will waive your setup fee and monthly fee if 【S11】______

you sign up with their ecommerce hosting package. They charge by a 【S12】______

few percentage points on transactions.

【S1】______