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19
On the Money-go-round
Money – usually the lack of it – is a universal problem for trav-
ellers. Whatever the amount they take there is a variety of ways to
carry it. Since each has both advantages and disadvantages, a combi-
nation of two or three is advisable, the mixture depending on financial
circumstances as well as destination.
Traveller’s cheques: will be replaced if lost or stolen, theoreti-
cally within 24 hours. You pay 1 to 15 percent of the value of the
cheques (and may be a fixed handling fee if you are buying in any of
the 20 plus foreign currencies) but usually get a better rate when cash-
ing them. In any of the America be sure to carry dollar cheques.
Foreign currency: carry a small amount (for taxis, porters, tele-
phone calls, snacks) until you can get to a bank. Most UK banks need
advance notice of your requirements, otherwise change sterling at the
airport or port (though exchange rates are less favourable).
The commission and rate of exchange do very but hopping
around is rather impractical. Some countries (in particular Greece)
restrict the amount of their currency that you can import. You should
also carry some sterling for necessary expenses when you return.
Postcheques: Each cheque, when accompanied by a Postcheque
Card (included free with your first order of cheques) can now be used
to draw up to £100 in local currency from 90,000 post offices in most
of Europe and around the Mediterranean as well as Home King, the
Bahamas and Japan.
Credit cards: Access (linked to MasterCard in the US and Euro-
card in Europe) and Barclaycard (linked to Visa) are accepted in
nearly 5 million outlets each though they vary in their acceptability –
Barclaycard, for example, is stronger in France, Spain and Italy,
whereas Access is most useful in Germany and the US. Their accep-
tance in Continental petrol stations, top is not always certain.
They may also be used for cash advances and instead of a de-
posit on car hire.
Charge cards: American Express and Diners Club are less
widely accepted than credit cards and the interest-free settlement pe-
riod is shorter but then is no pre-set spending limit. In addition to the
20
initial starting and annual fee for the cards, both charge a one percent
processing charge for bills convicted back into sterling.
Eurocheques can be used to withdraw local currency as well as
pay for hotels, restaurants, garages and other services in nearly 5 mil-
lion, mostly European, outlets. The cheques, made out to the exact
amount you requires are then debited to your account in the same way
as a domestic cheque.
Individual cheques can be cashed for up to a maximum of £100
or the equivalent in local currency.
There is no limit to the number of cheques you can use to male a
purchase. You pay around £3.50 for the card and there is also a commis-
sion of 1.25 percent on the value of the transaction, plus roughly a 30
pence handling fee per cheque.
(David Wickers)
B. Now read the article once more and answer the following
more detailed questions:
3. What happens if you lose your travellers cheques?
4. Where should the British traveller exchange sterling into for-
eign currency?
5. Why is the British traveller advised to carry sterling?
6. Where can you use Postcheques?
7. What are the advantages of credit card?
8. What disadvantages do charge card have?
9. How do you pay for Eurocheques?
10. What is the limit of a Eurocheque?
TAXES
Read Text 1 and answer the questions:
− What do Americans often say?
− What do they think about their taxation?
− How many types of taxes are there in the US?
− Federal taxes: who must pay them; percentage.
− State taxes: an income tax, a sales tax.
− City taxes: two forms.
On the Money-go-round initial starting and annual fee for the cards, both charge a one percent
processing charge for bills convicted back into sterling.
Money – usually the lack of it – is a universal problem for trav-
Eurocheques can be used to withdraw local currency as well as
ellers. Whatever the amount they take there is a variety of ways to
pay for hotels, restaurants, garages and other services in nearly 5 mil-
carry it. Since each has both advantages and disadvantages, a combi-
lion, mostly European, outlets. The cheques, made out to the exact
nation of two or three is advisable, the mixture depending on financial
amount you requires are then debited to your account in the same way
circumstances as well as destination.
as a domestic cheque.
Traveller’s cheques: will be replaced if lost or stolen, theoreti-
Individual cheques can be cashed for up to a maximum of £100
cally within 24 hours. You pay 1 to 15 percent of the value of the
or the equivalent in local currency.
cheques (and may be a fixed handling fee if you are buying in any of
There is no limit to the number of cheques you can use to male a
the 20 plus foreign currencies) but usually get a better rate when cash-
purchase. You pay around £3.50 for the card and there is also a commis-
ing them. In any of the America be sure to carry dollar cheques.
sion of 1.25 percent on the value of the transaction, plus roughly a 30
Foreign currency: carry a small amount (for taxis, porters, tele-
pence handling fee per cheque.
phone calls, snacks) until you can get to a bank. Most UK banks need
(David Wickers)
advance notice of your requirements, otherwise change sterling at the
airport or port (though exchange rates are less favourable).
B. Now read the article once more and answer the following
The commission and rate of exchange do very but hopping
more detailed questions:
around is rather impractical. Some countries (in particular Greece)
3. What happens if you lose your travellers cheques?
restrict the amount of their currency that you can import. You should
4. Where should the British traveller exchange sterling into for-
also carry some sterling for necessary expenses when you return.
eign currency?
Postcheques: Each cheque, when accompanied by a Postcheque
5. Why is the British traveller advised to carry sterling?
Card (included free with your first order of cheques) can now be used
6. Where can you use Postcheques?
to draw up to £100 in local currency from 90,000 post offices in most
7. What are the advantages of credit card?
of Europe and around the Mediterranean as well as Home King, the
8. What disadvantages do charge card have?
Bahamas and Japan.
9. How do you pay for Eurocheques?
Credit cards: Access (linked to MasterCard in the US and Euro-
10. What is the limit of a Eurocheque?
card in Europe) and Barclaycard (linked to Visa) are accepted in
nearly 5 million outlets each though they vary in their acceptability –
TAXES
Barclaycard, for example, is stronger in France, Spain and Italy,
whereas Access is most useful in Germany and the US. Their accep- Read Text 1 and answer the questions:
tance in Continental petrol stations, top is not always certain. − What do Americans often say?
They may also be used for cash advances and instead of a de- − What do they think about their taxation?
posit on car hire. − How many types of taxes are there in the US?
Charge cards: American Express and Diners Club are less − Federal taxes: who must pay them; percentage.
widely accepted than credit cards and the interest-free settlement pe- − State taxes: an income tax, a sales tax.
riod is shorter but then is no pre-set spending limit. In addition to the − City taxes: two forms.
19 20
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