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Bank and Money

Banking, money management and investments are all important areas when talking about what do with your money. There are a lot of decisions to be made from choosing a bank to investments. Being knowledgeable and being able to discuss different areas in English will help you to feel more comfortable when making decisions about what to do with the money you earn. Below we will look at different ways of handling the decision making process.

Where to Bank

Deciding where to bank/open an account, can be as easy as using a credit union associated with your work of employment to comparing different banks and what they offer as incentives for customers. You may also take recommendations from family, friends or co- workers.

Here are some questions commonly used when discussing which banks to consider.

"Is it important that they offer internet and telephone banking?"
"How important is location and accessibility?"
"Will you need a safe deposit box?"
"Is free checking important to you?"
"Are free withdrawals from an ATM important?"
"Is reputation of the bank important to you?"

If you are asked any of these questions, here are ways that you could respond.

"Yes, internet and telephone banking is important.  I work late hours and have a hard time going during their normal business hours."
"Not really, I do not feel comfortable doing money transactions on the internet."

"Location is really important. I like to visit my bank on a regular basis."
"Location is not that important since I do most of my banking online."

"I will not need a safe deposit box."
"I have some valuables that I do not feel comfortable having at my home so yes, I will need a safe deposit box."

"Of course free checking is important.  I do not want to be charged for writing checks."
"Free checking is not really important, I really do not write checks."

"Free withdrawals are very important.  I use the ATM machines all the time."
"I prefer not to use the ATM card so it's not that important to me."

"The banks reputation is important to me.  I want to feel comfortable with where my money is."
"I thought all banks were the same.  It does not matter to me."

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