Topic and Card Tiếng anh thương mại

Card 1
Student A : You attend a conference on online sales. Make a conversation to share
information with your colleague about the conference. Tine 8.50 – 11.00 Venue Conference Room 1 Keynote speaker
(1)...................................................................... Company CBS limited First part
(2) ...................................................................... Second part Challenges in online selling Audience (3) Conclusion
More investment in online advertisement Interesting idea
(4) ...................................................................... Gift
A book “ How to master at the art of seeling”
Student B : You attend a conference on online sales. Make a conversation to share
information with your colleague about the conference. Tine 8.50 – 11.00 Venue Conference Room 1
Keynote speaker Mr. Peter – Sales Manager Company
(1) ...................................................................... First part
New oppoturnities for online selling Second part
(2) ....................................................................... Audience Sales people in Hanoi Conclusion
(3) ...................................................................... Interesting idea Selling on facebook Gift
(4) ...................................................................... CARD 1 - ĐA
Student A : Hi. It nice to meet you.
Student B : Nice to meet you, too.
Student A : Did you attend the conference on online sale ?
Student B : Yes, It was great.
Student A : Can you share some information about conference ?
Student B : Yes, Of couse.
Student A : Who was keynote speaker at the conference ?
Student B : It was Mr.Peter a sales manager
Student A : What was the first part of the conference ?
Student B : It was about new oppoturnities for online selling.
Student A : Who were the audience of the conference ?
Student B : They are sales people in Hanoi.
Student A : Did you hear anything interesting from the talk ?
Or Did the conference how any interesting idea ?
Student B : Yes, It was about “ Selling on facebook”. Student A : Thank you.
Student B : No thing, But I don’t remember some information, Can you ask some question about conference ? Student A : Yes.
Student B : Which company does the keynote speaker work for ?
Student A : He work for CBS limited.
Student B : What was the conclusion of the conference ?
Student A : It was about more investment in online advertisement.
Student B : Which gift did you get at the end of conference ?
Student A : I got a book “ How to master at the art of seeling”.
Student B : Oh, I have get some information about conference for you. Thank you very much.
Student A : No think, I also thank for your help. Goodbye Student B : Goodbye Card 2
Student A: You are going to apply for jobs in PFT group. Make a conversation to share
the information with your partner about FPT’ corporate culture. Name FPT Slogan Energizing Life Mission
(1) ........................................................................... Vission
“ Supply green energy aimd to the Nation endurance” Core value
F: (2).........................................................................
P: prompt service beyound transparency and full responsibility
T: technology innovation to support society Cultural
(3)............................................................................. expenssion recognition Tranditional days
- Community day – March 13th
- FPT’s anniversary – (4).................................. Name FPT Slogan
(1)............................................................................ Mission
To contribute to address the soci-economic issues Vission
(2)........................................................................... Core value
F: fulfill to safety and environment
P: prompt service beyound transparency and full responsibility
T: (3)......................................................................
Cultural expenssion The confidence of clients and of the community recognition Tranditional days
- Community day – (4).................................. -
FPT’s anniversary – 22nd December CARD 2 -ĐA
Student A: Hi B, How are you?
Student B: Hi A. I am going to prepare for job interview with PFT group.
Student A: I will have an interview in FPT, too. I don’t have much information about
its corporare culture. Can you share some information about it with me?
Student B: Yes, I’m glad to share with you.
Student A: What’s its mission?
Student B: Its mission is to contribute to address the soci-economic issues.
Student A: I known that FPT is the three letters that have their own meaning. Can you
explain the meaning of letter “F” for me?
Student B: It mean :fulfill to safety and environment”
Student A: What is FPT’s cultural express?
Student B: It is the confidence of clients and of the community.
Student A: What day is FPT’s anniversary?
Student B: It is 22nd December. Student A: Thank you.
Student B: No thing. I just told you the informations I know about it, you can share me the informations you know
Student A: Yes, of couse.
Student B: Do you know what the company’s slogan is?
Student A: It is “Energizing Life”
Student B: And what’s its vission?
Student A: The company’s vission is “ Supply green energy aimd to the Nation endurance”
Student B: What does the letter “T” mean?
Student A: It mean “technology innovation to support society”.
Student B: Whan is FPT’s community day?
Student A: It on 13th March
Student B: Thank you very much for sharing. I hope we can meet in PFT
Student A: That OK. Good luck. Goodbye Student B: Goodbye CARD 3
Student A: You are an entrepreneur from American. Your company is giong to expand
business to Asian and Western coutries. Make a convertation with officer of the
Internation Culture centre( Student B) to understand more about corporate culture in these two religion. Western people Asian people Punctuality
(1)..................................................Commonly arrive at least 5 minutes
late for the meeting and derise to
spend another 5 or 10 minutes to warm up to the other through nonbusiness conversation. Relationships
(2)........................................................................................................... Giving
(3)………………………………………………………………………. instructions Asking (4) questions “Yes” mean there is an
(5)………………………………….
agreement between people or a commitment to do somrthing. Meaning of Yes
Student B: You are an officer of the Internation Culture centre. Your custormer(student
A) want to know more about the corporate culture in Asian and Western coutries. Make
a convertation to share the information with him /her. Western people Asian people Punctuality Always try to arrive at the Commonly arrive at least 5
appointed time and start minutes late for the meeting
meetings with not much and derise to spend another delay. 5 or 10 minutes to warm up to the other through nonbusiness conversation. Relationships Prefer professional Desire to from close relationship with colleague relationship with everyone at work. at work. Giving instructions Try to give their instruction Often suggest their
ideas and comments to other and directly and clearly. instruction directly. Asking questions Employees are expected to Employees are often afraid
make clear and even of asking their employees
challenging question to clear and challenging their employees. question. Meaning of Yes
“Yes” mean there is an “Yes” is used to make sure agreement between people that they are listening to or a commitment to do what is being said something. CARD 3 - ĐA
Student B: Hello, How can I help you?
Student A: Hello, I am an entrepreneur from American and my company is giong to
expand business to Asian and Western coutries, Can you give me some
informtion these two religion.
Student B: Yes, Of couse.
Student A: What about punctualityin western?
Student B: They always try to arrive at the appointed time and start meetings with not much delay.
Student A: What do people in these coutries think about relationship at work?
Student B: While Western people belive that prefer professional relationship with
colleague at work, Asian people desire to from close relationship with everyone at work.
Student A: And how do they give instructions to other people?
Student B: Western people try to give their instruction and comments to other directly
and clearly. However Asian people often suggest their ideas and instruction directly.
Student A: How do they ask question to other people?
Student B: In the Western, employees are expected to make clear and even
challenging question to their employees. And employees are often afraid
of asking their employees clear and challenging question in the Asian.
Student A: What about the meaning of Yes. Western people often use the word “ Yes”
to mean there is an agreement between people or a commitment to do
something. So how do Asian people consider the word “ Yes”?
Student B: They understand “Yes” is used to make sure that they are listening to what is being said.
Student A: Thank you for your hepl. Goodbye.
Student B: Nothing. Thanks for using. You can call whenever if you need to add the help. Goodbye. CARD 4
Customer service officer Customer Greet and offer help
Greet and ask hin/her to fix your TV Ask the type of TV Respond (32-inch LCD) Ask about the problem
Respond ( bad picture quality and unwanted noise) Ask when he/she bought the TV Respond ( last year) Ask to see the warranty card Show the warranty card
Apologize and say that the warranty Respond and ask for advice expired 3 months ago
Give solution (pay for the repair) Ask about the cost Respond ( 2,000,000 VND)
Agree and ask the time you can have it back Respond ( two hours) Say thanks CARD 4 - ĐA Officer:
Hello, I’m customer service officer. How can I help you?
Customer: Hello, I’d like to fix my TV. Officer: What type is it ?
Customer: It is 32-inch LCD. Officer:
What problem are you having with it ?
Customer: The picture quallity is really bad and unwanted noise is coming out of it. Officer: When did you buy it ?
Customer: I bought it last year. Officer:
Excuse me. Can I see your warranty card ?
Customer: Yes. Here is it. Officer:
I’m afraid that the warranty expired 3 months ago.
Customer: I’m so sorry. I can believe it. I didn’t realize that my the warranty expired. What should I do now ? Officer:
Don’t worry. You are going to have to pay for the repair.
Customer: How much is it going to cost ? Officer:
I can fix it very low cost for you about 2,000,000 VND.
Customer: That fine. When I have my TV back ? I need it to see my favorite film in the night. Officer:
Ok. I will repaire it about two hours.
Customer: Great. Thanks you. I will wait here. CARD 5 Student A ( Manager)
Student B ( Service office)
Greet . Ask to talk about the recent
Greet. Agree. Give some details (bad negative review.
service & unhelpful staff).
1st step: consider responsed (innore
impolite comments and reviews from Ask for B’opinion on how to deal with requent complainer). those negative reviews.
2nd step: research problam ( talk co-
workers to understand the real
problem of complaints. Ask for suggestions.
Agree. Ask for the next step show Agree. Ask if you should talk sympathy (understand the reason why
privately to some reviews to give they posited and customer’s feeling). solution to their concerns.
Agree suggest. Next step: reply
publicly (post a public: message to Get the idea.
aknowledge their concerns and outline some actions takens.
Agree remind B to be polite professtional and learn from the Agree. Say thank for the suggestion. problem. CARD 5 - ĐA Manager: Hello, Take a sit please. Officer: Yes, Sir. Manager:
I need to takl to you about the recent negative reviews, we got from some customers. Officer:
Right. Sir, Some customers said that our service was bad, our staff were unhelpful. Manager:
What do you think to deal with those negative reviews? Officer:
I think, there are 2 steps to deal with. The first step is to consider whether
responces are worth replying or not we can ignore impolite comments and
reviews from frequent complainers. What should we do next? Manager:
In my opinion, the next step is showing sympathy. We should understand
the reason why customer posted negative comments and their feeling. Officer:
Yes, I agree. Then we should talk to them privately to some reviews to
give solution to their concerns. Manager:
Ah, I see, For the next step, we can reply publicly so that other reviews
can see that we are responible. For examble, we can post a public
message to acknowledge their concerns and outline some actions talken. Officer:
That’s right. I got the idea. Manager:
And finally, remember to be polite, professinal tp customers and we can learn from the problem. Officer:
I see. Thank you for your suggestions. CARD 6
ZPD’s purchasing officer CBS’s salesperson Greet and identify yourself. Greet and identify yourself. Ask for 25% discount.
Reject because you will not make a profit, offer 15%.
Accept 15% if he/she provides a different
Ask for a longer dilivery period because of product color.
a different color needs more time to produce
Say you need the delivery before July( your
Offer to make half shipment in July and the top selling month).
rest in the beginning in August.
Agree and ask for 30 days of credit.
Refuse because you need the cash earlier to pay for materials
Offer 20% cash payment in advance. Agree Sum up terms you have.
Say you and partner have reached a deal.
End the conversation and say goodbye. Say goodbye. CARD 6 ĐA
Purchasing: Good morning, I am purchasing officer from ZPD company.Nice to meet you
Salesperson Nice to meet you, too. I’m CBS’s salesperson :
Purchasing: Today, I want to discuss with you about the price. I’d like $20 a unit.
Salesperson I’m sorry but we could not agree to that because we can’t make to profit :
with that price.Would you consider $15 per unit?
Purchasing: I think, we can talk about later. How do you feel about offering us a different product color. Salesperson
So, the dilivery period will be longer because of the different color needs : more time to produce. Purchasing:
I would like the delivery before July, because it is our top selling month.
Salesperson I’m afraid your the order is too large to deliver before July So it is
: possible for us to make half shipment in July and the rest in the beginning in August. Purchasing: Salesperson :
Purchasing: No, I can’t accept the higher price, I am looking at quotations from three other suppliers. Salesperson
OK, we’re sure we can find a solution to your problem a shorter payment :
term. I agree the same price but you have to give 30 days instead of 3 days.
Purchasing: Yes, I agree with you that, but could I have the price of $20 per unit.
Salesperson Yes, That fine. I think we reach a deal. Thank you very much for your : bussiness.
Purchasing: Thank you very much for offering your product. Goodbye. Salesperson Goodbye. : CARD 7 Customer Teller
Greet and ask to apply for a credit card. Ask about his/her age Respond (25 years old)
Ask which credit card interests him/her Respond ( a Master card) Ask if he /she is working Say yes
Ask how long he/ she has been in that job Respond (3 years) Ask about his/her monthly income by tranfer
Respond (VND 12,000,000 a month)
Ask about his/her current housing Respond (rent an apartment)
Ask how much the monthly payment Respond (VND 2,000,000)
Ask about his/her credit faclities Respond ( No)
Ask about his/her other cresit cards Respond (No)
Say that you’re going to check his/her credit score Ask why
Respond (to determine his/her reliability to pay back) Say that you understand
Inform the result (high score) and offer low interest rate Say thanks
Ask him/her fill in and sign the application form
Agree amd ask when the card id ready Anwer ( a few days by post) Say goodbye
Say goodbye and hope that he/ she will be happy with the service CARD 7 - ĐA Customer: Goodmorning. Teller:
Goodmorning. How can I help you?
Customer: I’d like to apply for a credit card. Teller: How old are you?
Customer: I’m 25 years old. Teller:
Would you like which credit card?
Customer: Yes, I would like a Master card. Teller: Do you have a job now?
Customer: Yes. I work in ABC company about 3 years. Teller:
What is your monthly income by tranfer?
Customer: I earn VND 12,000,000 a month. Teller:
Do you own a house or an apartment?
Customer: I rent an apartment. Teller:
What is the monthly do you payment?
Customer: I pay VND 2,000,000 Teller:
Have you any other credit facilities?
Customer: No, I haven’t Teller:
Do you have any other credit card?
Customer: No, I don’t have any other credit card Teller:
Great. I am going to to check your credit score.
Customer: Oh. Why do you would like to check my credit score? Teller:
It is to determine your ability to pay the debit back. Customer: Yes. I know. Teller:
Here is you’re the result. Credit score is hight. So we will offer you a low
intersest rate for your credit.
Customer: Sure. That great. Thank you very much. Teller:
Now, Could you fill in and sign the application form?
Customer: Yes. When can I get the card? Teller:
I will send it to you a few days by post.
Customer: That great. Thank you very much. Teller:
Thank you for your using. We hope you will be happy with our service. Customer: Sure. I will CARD 9
Studen A: You have one billion from lottery. You mêt a finacial consultant ( Student B)
and ask how to invest that money appropriately.
Student B: You are a financial consultant. You give a client ( Student A) advice on how to invest his/her money. Student A Student B
Greet and identify yourself Greet, identify yourself and offer help Say you have one billion VND and
Suggest four investment options ( stock, bond, how to invest it
appropriately mutual fund, real estate)
Ask about current real estate market
- State the situation: increasing demand higher prices
- Say: one billion VND is not enough to invest
Disagree – buy house in suburb
Explain: difficul to sell house in suburb long time/ get money back Suggest: invest in stocks
Say: risky to invest in stocks
Give reason: stock market/remain positive Ask about the reason not risky Ask about stocks to buy
Suggest: buy blue-chip stocks of high reputation companies
Give reason: get stable or rising dividends
Say you will consider and contact B Agree. Say thank latter Say thank and goodbye Say goodbye CARD 9 - ĐA
Student A: Goodmorning, I’m A.
Student B: Goodmorning,My name is B. I am a financial consultant. How can I help you?
Student A: I have one billion VND. I don’t know invest it appropriately. Can you give some advice.
Student B: Yes, of couse. At the moment, there are four investment options such as:
stock, bond, mutual fund, real estate. Which would you prefer?
Student A: How is the current real estate market going?
Student B: The increase lead to higher prices. However one billion VND is enough invest real estate.
Student A: I’m not sure. I can still buy a house in the suburb with that money.
Student B: I know, but the house in the suburb is difficulcto sell. So you will take a
long time to get money back. Why don’t you invest socks?
Student A: In my oppinion, invest in stock is very risky.Why would you advice do that?
Student B: From my poin inview, stock market is remain positive in the coming time. So it is not risky.
Student A: What stock should I buy?
Student B: How about buying blue-chip stocks of high reputation companies.If you
buy this stocks, you will get stable or rising dividends.
Student A: Oh right. I will consider carefully and contact you latter.
Student B: That Ok. Thank you very much for your using our service.
Student A: Tahnk you very much for your help. Goodbye
Student B: Goodbbye anf see you again. CARD 10
Student A:You want to apply for a job but you have no idea about necessary documents your application.
Student B: You have a lot of experiencein job hunting. Give A advice on job application package. Student A Student B Greet Greet
- Say your intention and problem Say the importance of job documents to get job: - Ask for the suggestion
affect employer’s hiring decision in first glance Ask about needed document -1st important: CV
-Reasons: almost employers choose to read first;
show her/his skill, qualifications, work experience Say you have no relevent
Suggest: write life experiences, interests => link
experience. Ask for suggestions his/her skills/ abilities Agree.
Ask what else to prepare -Respond: Cover letter Ask if it’s used to explain how -Agree.
you’re qualified for job position
-Give another suggestion: academic results,
relevant degrees and certificates. Reason: prove listed qualification in CV
Say that’s a lot. You need to work -Agree. hard to get job
-Say you’re willing to help in need Say thank and goodbye Say goodbye CARD 10 - ĐA
Student A: Good morning
Student B: Good morning
Student A: I want to apply for a job but Idon’t have no idea about necessary
documents your application. Can you give me some advice.
Student B: I think the job documents is very important. Because they will affect
employer’s hiring decision in first glance.
Student A: What documents do I need?
Student B: From my experience the most important documents for job in the CV,
because almost employers choose to read first. Moreover the CV will have
show your skills, qualifications, work experience that relevant to the job. You should apply they before.
Student A: However, I have no relevent experience to the job. Can you give some suggestions?
Student B: Why don’t you write life experiencesand your interests. They can link your
skills and abilities to the job you are apply before.
Student A: You are right. What else documents do I need to prepare?
Student B: You not only prepared CV, but you also need to prepare cover letter.
Student A: Can I use a CL to explain how you’re qualified for job position?
Student B: Exaxtly. Should do that. Moreover, you should give your academic results,
your relevant degrees and certificates. Because they willl prove listed qualification in your CV.
Student A: That’s a lot of thing I need to do. I think I need to work hard to get job
Student B: That the fact try the best. Why you repair the documents if you have any
problem. Please contact me, I am willing to hepl you in need
Student A: Thank you very much for your help. T will contact you for the help.
Student B: Good luck and googbye. CARD 11 Student A Student B Greet
Greet & ák about the interview
Respond: Worry. Not answer difficult
Ask what the interview asked question well
Respond: strengths and weaknesses Ask how A answered Respond: Give advice:
- Strengths: hardworking and trusworthy;
- Strengths: add some skills: computer
abilitu to work with number and under
skills, etc. pressured environment.
- Weaknesses: be perfectionist Agree
Respond: say real weaknesses but not the
Ask for the way you should talk about
keys for an accountant, and give solutions. weakness Give example: over-friendly Agree
Say you will apply it in the next interview Say goodbye
Say good luck and goodbye. 1, Corporate event
One of the most preferred types of corporate event is possibly team building event.
Team building event provides the employees an opportunity to engage with one
another. The event involves upper management along with employees of a department
or of the whole company attending. Since team building event involves physical
activities, team building event is commonly held outdoors. For example, it can be held
in outdoor venues, parks, beaches. While team building events are normally held
outside, there are also some indoor team building activities which allows the event to
be held inside. Team building event is often held once or twice a year. In Vietnam, team
building event is often scheduled in the summertime as the cold weather might deter
some people from outdoor physical activities. The main activities of the event are team
building exercises which are meant to promote teamwork as well as to encourage
communication and better relationships. They are usually physical group activities
such as human knot, mine field, ropes course. Through the activities, people do not
only learn about teamwork skills but also have a fun and memorable team building
experience. The team building event lasts for haft a day or a day depending on the schedure of the event. 2. Corporate cultures
3. Guarantee policy of a product.
I will talk about Guarantee policy of a product I have bought . That is my most recent
purchase. I bought my laptop last month at ASUS store. It cost me about 7.000.000
VND. I bought it online because the e-tailer was offering some attractive discounts.
ASUS grants 2 years warranty from the date of delivery.
Products of which ones ASUS is a distributor, the warranty period shall be as provided
by the manufacturer. Items returned without the documents and information
requested will not be accepted.
The products Is not covered within the warranty coverage: Maintenance, repair,
Products with physical harm.
Beside, ASUS is not responsible for any damage generated in the transport managed by the client.
4. Ways to deal with negative reviews from customer.
When a merchandise provider or a service company start their own business, the
negative reviews are not easy to avoid. If I'm working as the manager and must deal
with those negative reviews to satisfy the customers, I think the apologies to them are
the first thing I must do. After that, researching the problems is what I should do. I will
collect more specific information about the problems which my customers are facing
to know what I should do next. Then, I will show my sympathy to the customers and try
to convince them to stay calm so that I can easily to solve the trouble. Responding
privately is what I should do afterall. In this step, I will talk with my customers deeper
to maintain their belief about my products and services. Last but not least, I must let
my responses being puclic in social media so that the customer will know what we
tried to do to resolve our faults. I think being calm in all situation will help every
company can learn from the problems to develop their reputation and career.
(Khi m t nhà cung cấấp hàng hóa ho c m t công ty d ch v bắất đấầu kinh doanh c a ộ ặ ộ
ị ụ ủ riêng h , tiêu c c đánh giá không dêễ dàng đ tránh. Nêấu tôi đang làm vi c v i t cáchọ
ự ể ệ ớ ư qu n lý và ph i đôấi phó v i nh ng đánh giá tiêu c c đ th a mãn khách hàng, tôi ả
ả ớ ữ ự ể ỏ nghĩ rắnầ g l i xin lôễi c a h là điêầu đấầu tiên tôi ph i làờ ủ ọ ả m. Sau đó,
nghiên c u nh ng ứ ữ vấấn đêầ đó là nh ng gì tôi nên làm. Tôi seễ thu th p thêm thông tin
c th vêầ các vấấn đêầ ữ ậ ụ ể mà khách hàng c a tôi đang đôấi m t đ biêất nh ng gì tôi
nên làm tiêấp theo. Sau đó, ủ ặ ể ữ tôi seễ th hi n s đôầng c m c a tôi v i khách hàng và
côấ gắấng thuyêất ph c h gi ể ệ ự ả ủ ớ ụ ọ ữ bình tĩnh đ tôi có th dêễ dàng đ gi i quyêất
vấấn đêầ. Tr l i riêng t là nh ng gì tôi ể ể ể ả ả ờ ư ữ nên làm. Trong bước này, tôi seễ nói
chuy n v i khách hàng c a tôi sấu h n đ duy trì ệ ớ ủ ơ ể niêầm tin c a h vêầ s n ph m và d
ch v c a tôi. Cuôấi cùng nh ng không ph i ít nhấất, ủ ọ ả ẩ ị ụ ủ ư ả tôi ph i đ cấu tr l i c a
tôi đả ể ả ờ ủ ược puclic trong truyêần thông xã h i đ khách hàng seễộ ể biêất nh ng gì
chúng tôi đã côấ gắấng làm đ gi i quyêất khuyêất đi m c a chúng tôi. Tôi ữ ể ả ể ủ nghĩ
rắnầ g đang được bình tĩnh trong m i tình huônấ g seễ giúp mọ ôễi công ty có th h c ể ọ
h i t nh ng vấấn đêầ đ phát tri n danh tiêấng và s nghi p c a h .)ỏ ừ ữ ể ể ự ệ ủ ọ 5. Negotiation styles.
There are typically three types of negotiating styles, which are hard, soft and
principled negotiation. A hard negotiator usually tries to win the negotiation at the
other party’s expense. He often negotiates from a strong bargaining position. For
example, he may represent the sole supplier of a specialized product in a region. A
hard negotiator can maximize his interests or those he represents. However, the other
party may feel like they’re being taken advantage of and are unwilling to fulfill their
agreement. On the other hands, a soft negotiator’s goal is to establish or maintain a
good relationship with the other party. That leads the soft negotiator to make any
concessions just to keep the relationship. For instance, he sells his new car at a
discount to his friend as he wants to preserve their close relationship. His bargaining
position is week and he is soft on both of the people and problem. Though a soft
negotiation cannot serve the negotiator’s interest or those he presents very well, it
often helps to reach an agreement faster. The principled negotiating style seems to be
different from the other two since there are no bargaining positions in this type of
negotiation. The purpose here is to reach a win-win agreement in which the
negotiators focus on each other interests, rather than positions. The participants try to
solve the problem while serving the interest of either party. To illustrate, two
neighbors both want to replace the fence separating their land. In a typical
negotiation, the parties look for reasons why they should not be the one who pay for
the replacement, but principled negotiators look for solutions that satisfy both parties’
interest. One can pay for the supplies and another neighbor pay for the fence
installation. Despite of its advantages, principled negotiation cannot be applied in all cases. .
6. Types of bank accounts for different purposes. Ex1:
I have currently opened a savings account at Vietcombank bank. A savings account
enables me to deposit money and receive interest on that deposit. People use savings
account to store an extra funds which they don’t have plan to spend it in the immediate
future. Opening a savings account is often free and simple. All needed is national
identification card, a minimum balance requirement and the accountholder must be
over the age of 18. Savings account offer interest but the rates are comparably modest
compared to other savings options. The interest rates vary depending on the banks
and savings packages chosen. The ability to make withdrawals is limited according to
banks’ policies so that a certain balance is maintained in the savings account. Banks
may charge fee if the balance in the account is under the certain amount they allow.
There are also other types of fees namely maintenance fee, or account fee to a bank if
the balance in the savings account is quite low. Savings account is suitable for young
people like me who are learning to save money for the first time. Additionally, it is
safer to keep my money in a savings account and earn some interest from that.
Withdrawing money from a saving account is quick and simple, although the number of withdrawal is limited. Ex2:
The development of the economy in the world leads to the bank system has been
growing up with various kinds of account. One of them must be mentioned is Saving
account which is really useful and suitable for a student like me. There is no limitation
for the users, everyone can use this kind of bank account but a small obstacle is that
you must be 18 years old or higher. All you need is an ID card and after filling some
user information on the application form, you can own a saving account with its all
feature. And of course you can earn interests following to the period with the rate from
3% to 8% depend on the level of money you transfer into your account. Because of
income saving demand, I think this kind of account is the best choice and suitable for
me to save my budget with the high security so that I can prepare for my future business investments.
(S phát tri n c a nênầ kinh têấ trên thêấ gi i dấễn đêấn h thôấngự ể ủ ớ ệ ngấn hàng đã
được l n ớ lên v i các lo i tài kho n khác nhau. M t trong sôấ h ph i đớ ạ ả ộ ọ ả ược nhắấc
đêấn là l u tr ư ữ tài kho n mà th c s h u ích và thích h p cho m t h c sinh nh tôi. Không
có gi i ả ự ự ữ ợ ộ ọ ư ớ h n cho ngạ ười dùng, tấất c m i ngả ọ ười có th s d ng lo i tài
kho n ngấn hàng này ể ử ụ ạ ả nh ng m t chư ộ ướng ng i nh là b n ph i 18 tu i ho c cao
h n. Tấất c nh ng gì b n ạ ỏ ạ ả ổ ặ ơ ả ữ ạ cấần là m t th id và sau khi điêần vào m t sôấ
thông tin ngộ ẻ ộ ười dùng trên mấuễ ng ứ d ng, b n có th s h u tài kho n l u tr v i tấất c
các tính nắng c a nó. Và tấất ụ ạ ể ở ữ ả ư ữ ớ ả ủ nhiên b n có th kiêấm đạ ể ược s thích
theo th i kỳ v i t l t 3 % đêấn 8 % tùy thu c ở ờ ớ ỷ ệ ừ ộ vào m c đ tiêần b n chuy n vào
tài kho n c a mình. Vì yêu cấuầ ứ ộ ạ ể ả ủ l u tr thu nh p, tôi ư ữ ậ nghĩ rắnầ g lo i tài
kho n này là l a ch n tôất nhấất và phù hạ ả ự ọ ợp cho tôi đ tiêất ki m ể ệ ngấn sách c
a tôi v i an ninh cao đ tôi có th chu n b cho các kho n đấầu t kinh ủ ớ ể ể ẩ ị ả ư doanh
tương lai c a tôi.)ủ 7. Type of bank card.
The type of card that I most often use is debit card. People use debit card when making
purchases instead of using cash. Money is transferred from the bank account of the
user when the transaction is performed. Thus, main users of debit card are people who
have current accounts in banks. There are some types of fee for debit cards such as
issuance fee, cash withdrawal at ATM fee and annual fee. The fees are generally low,
and in some cases, free of charge, depending on each bank’s policy. Debit card is very
convenient because it allows internet and phone purchases as well as instant ATM
withdrawal. It is also safer to use debit card rather than carrying cash around,
especially when travelling. I prefer debit card to credit card as debit card helps me
stick to my budget. I just use card for daily purchases, so debit card provides the same
convenience without making me borrow money to complete the purchases. I don’t have
to worry about high interest rate if not paying off the balance in full in thirty days. 8. Investment option