There are many types of phone services today to choose from, including cellular, satellite,

and even voice over IP phone services, and to make such calls, many phone cards are
available. However, no matter what service you use, learning how to leave and
understand phone messages is important. What questions or requests might you hear in a
telephone message e.g., !Please call me tomorrow.!"
H#$P%&$ TIP' Having an answering machine with a clear message can help your caller know e(actly
what information they should record e.g., their name, the time they called, and a short message".
"call someone up" = telephone someone
"Hey, call me up if you want to get together."
"call on someone" = drop by and visit
"I'll call on you tomorrow around noon."
)" *tudent credit cards are becoming more and more popular, but your credit rating can
be affected by your credit history, and using a Web site that provides a credit score can
help you monitor your financial well+being. Whatever the case might be, what are the
advantages and disadvantages of using credit cards, particularly for people your age,
Having a credit card is almost essential in our lives today, but be sure to seek advice on what credit card is
best for you. In addition, learning how to manage your money and any private college loan you receive
takes real planning, so think ahead.
Hi, Sis. I just came over to drop off the DVDs you wanted, and . . . Hey,
wow!? Where did you get a of this
!"#
stuf f
?
Woman$ I %ought it. So, what do you thin& of my new entertainment center?
'nd the widescreen screen (V . . .
)an$ *ought it?
Woman$ . . . and my new DVD payer. Here, et me show you my stereo. +ou
can reay roc& the house with this one.
)an$ *ut where did you get the
!,#
dough
to %uy a this? +ou didn-t
%orrow money from mom and dad again, did you?
Woman$ .f course not. I got it with this!
)an$ (his? /et me see that . . . Have you %een using Dad-s credit card
again?
Woman$ 0o, siy. It-s mine. It-s student credit card.
)an$ ' student credit card? How in the word did you get one of these?
Woman$ I got an
!1#
application
in the mai.
)an$ We, why did you get one in the first pace?
Woman$ /isten. (imes are changing, and having a credit card heps you
%uid a credit rating, contro
!2#
spending
, and even %uy things that you
can-t pay with cash . . . i&e the pane tic&et I got recenty.
)an$ What pane tic&et?
Woman$ .h yeah, my roommate and I are going to Hawaii over the schoo
!3#
break
, and course, I needed some new cothes for that so . . .
)an$ I don-t want to hear it. How does having a student credit card contro
spending? It sounds you-ve spent yoursef in a hoe. 'nyway, student
credit cards just ead to
!4#
impulse
spending . . . as I can see here. 'nd
the interest rates of student credit cards are usuay s&y high, and if you
miss a
!5#
payment
, the rates, we, just jump!
Woman$ 'h. (he credit card has a credit
!6#
limit
. . .
)an$ . . . of 7,8,888?
Woman$ 0o, no 9uite that high. 'nyway, . . .
)an$ I-ve heard enough.
Woman$ Did I te you we now get digita ca%e with over "88 channes? .h,
and here-s your %irthday present. ' new ):1 payer . . .
)an$ +eah. .h, don-t te me. ;harged on the credit card. /isten. Hey, I don-t
thin& having a student credit card is a %ad idea, %ut this is
!<#
ridiculous
.
'nd how in the word are you going to pay your credit card %i?
Woman$ =m, with my %irthday money? It-s coming up in a wee&.
)an$ Hey, et-s sit down and ta& a%out how you-re going to pay things
%ac&, and may%e we can come up with a
!"8#
budget
that wi hep you
get out of this mess. (hat-s the east I can do.
- few decades ago, getting a credit card was somewhat difficult and almost impossible
for students with no credit history. .ow, many students have their own. However, finding
the best card is often difficult. What do you think are the dangers of having a credit card,
*hare your comments by recording your own ideas below'
/" Think of five important steps to maintaining a healthy lifestyle. Write them down and
look up information on the Internet to support these ideas.
There are a number of reasons why individuals decide to undergo plastic surgery, including enhancing one0s
health and appearance. However, the quality of care, facilities, and plastic surgery prices can vary from one
hospital to the ne(t. $ook into these details before you make a decision.