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Credit cards

Wordlist

Scam – афера, жульничество, мошенничество
Target – цель, мишень
ATO – Australian Taxation Office – Австралийский Налоговый Офис
Spike – всплеск, выброс
Grant – подарок, дар
Rebate – скидка, уступка (при расчётах), возврат переплаты
Tax File Number – номер налогового дела
Identity – идентичность, тождество
Payment – уплата, платёж
Line of credit – кредитная линия
Superannuation fund – пенсионный фонд

To trick – обманывать, надувать
To receive – получать, приобретать
To check – проверять, сверять, останавливать
To issue – вытекать, выходить, исходить
To swindle – обманывать, надувать
To grant – дарить, жаловать
To require – приказывать, требовать
To catch out – ловить, поймать

Confidential – частный, личный

1. Require – to need someone or something.
2. Payment – an amount of money that you pay or receive.
3. Target – a person, building, or area that someone intends to attack.
4. Issue – to officially make things available for people to buy or use.
5. Spike – a sudden increase in the amount of electricity that a system produces.
6. She and her boyfriend were involved in a scam to get $5 million from the company.
7. His identity was being kept secret.
8. He has swindled his wife out of all money she possessed.
9. He was speaking with low and confidential tone.
10. Agatha Christy received her early schooling at home.

Beware of scams during Tax Time

Hi I'm Tracey Nicholson from the Tax Office. Every year many Australians are caught out by scams. Con artists will try to catch people off guard and trick them into handing over personal details and hard earned cash. Anyone can be targeted, and sometimes the scams are so sophisticated even the most alert people can be swindled. Scams may use phone calls, letters, text messages , emails, bogus websites, computer viruses and even false job advertisements to fool people. And while it can happen anytime, the ATO sees a spike in scams during tax time when people start preparing their tax returns. Scammers claiming to be from the Australian Taxation Office will contact people offering grants, rebates or tax breaks in exchange for money. Sometimes they will trick you into providing your bank account or credit card details, passwords and your Tax File Numbers. Your Tax File Number is an important part of your identity and should always be kept safe. You should only give your tax file number to authorised people, like your employer and superannuation fund – but only after you have started your new job. A recent scam brought to the ATO’s attention is a ploy that appears legitimate by providing you with a case number and an Australian telephone number to call back on. But anyone who receives these types of calls should treat it with caution . If you return the call you are directed to an overseas call centre and told you are eligible for a new government payment for being a good citizen. You are then asked for your personal details and some people have also been asked to transfer money electronically. From time to time, the ATO may communicate by email, SMS or by posting messages on our official internet sites. But the ATO will never use email to ask you to disclose confidential details like your passwords or credit card details . And the ATO will never ask you to pay money to receive your refund or any special government payment. Remember – if something seems too good to be true, it usually is. If you receive a suspicious call, email or letter and it cannot be verified by contacting an official source, it is likely to be a scam and you should report it. You can report scams to the ATO by forwarding the email to Report Email Fraud@ato.gov.auor by calling 13 28 61 between 8am and 6pm Monday to Friday. Reported scams are investigated by the ATO and other government agencies including the Australian Federal Police. And by regularly checking the ATO website, you can be kept informed about the latest scams in operation. For more information on how to protect yourself from scams go to www.ato.gov.au/onlinesecurity. Keep watching for more tax news.

Be creative: The best ad

бейсбол,

Be motivated: Time

Imagine there is a bank that credits your account each morning with $86,400. It carries over no balance from day to day. Every evening the bank deletes whatever part of the balance you failed to use during the day. What would you do? Draw out every cent, of course! Each of us has such a bank. Its name is "time". Every morning, it credits you with 86,400 seconds. Every night it writes off, as lost, whatever of this you have failed to invest to good purpose. It carries over no balance. It allows no overdraft. Each day it opens a new account for you. Each night it burns the remains of the day. If you fail to use the day's deposits, the loss is yours. There is no going back. There is no drawing against the "tomorrow." You must live in the present on today's deposits. Invest it so as to get from it the utmost in health, happiness, and success! The clock is running. Make the most of today. To realize the value of one year, ask a student who failed a grade. To realize the value of one month, ask a mother who gave birth to a premature baby. To realize the value of one week, ask the editor of a weekly newspaper. To realize the value of one hour, ask the lovers who are waiting to meet. To realize the value of one minute, ask a person who missed the train. To realize the value of one second, ask a person who just avoided an accident. Treasure every moment that you have! And treasure it more because you shared it with someone special, special enough to spend your time. Remember that time waits for no one. Yesterday is history. Tomorrow is mystery. Today is a gift. That's why it's called the present!

List of questions for discussion

1. How many credit cards do you have?
2. What do you like most about credit cards?
3. What do you like least about credit cards?
4. In what ways are credit cards better than cash?
5. Do credit cards make you buy more things?
6. Who would you trust with your credit card details?
7. Have you ever lost your credit card?
8. Do you worry about using your credit card to buy things online?
9. Are you interested in the air miles and free gifts you can get by using your credit card?
10. What do you usually use your credit card for?
11. What is the biggest purchase you’ve made with your card?
12. Do you think we’ll still be using credit cards twenty years from now?
13. What do you think of American Express?
14. Would people be in a better financial situation without credit cards?
15. When did you last use your credit card?

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