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Ur_love
Aug 2, 2010, 11:37 PM
Studying in the US: A Lesson in Personal Finance, Part 2

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence1.mp3
1/A study in the United States _____ that _____-_____ percent of _____ last year had at least one _____ card.
A study in the United States FOUND that EIGHTY-FOUR percent of UNDERGRADUATES last year had at least one CREDIT card.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence2.mp3
2/_____ had four or more. Borrowers who do not pay their card _____ in _____ each month have to pay interest on whatever balance _____.
HALF had four or more. Borrowers who do not pay their credit card DEBT in FULL each month have to pay interest on whatever balance REMAINS.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence4.mp3
3/Student _____ company Sallie Mae _____ _____ _____.
Student LOAN company Sallie Mae DID THE STUDY.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence5.mp3
4/In a time of _____ _____, it _____, college students are _____ on credit cards more than ever.
In a time of ECONOMIC DOWNTURN, it SAYS, college students are DEPENDING on credit cards more than ever.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence6.mp3
5/It says many _____ to use them to live _____ their _____ -- to spend _____ than they have.
It says many SEEM to use them to live BEYOND their MEANS -- to spend MORE than they have.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence7.mp3
6/More than _____-_____ had to pay finance _____ last year because they _____ a balance.
More than THREE-FOURTHS had to pay finance CHARGES last year because they CARRIED a balance.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence8.mp3
7/The _____ _____ was more than three _____ _____.
The AVERAGE BALANCE was more than three THOUSAND DOLLARS.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence9.mp3
8/Last Friday, President Obama _____ _____ _____ a credit card _____ bill.
Last Friday, President Obama SIGNED INTO LAW a credit card REFORM bill.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence10.mp3
9/ It _____ _____ for people _____ the _____of twenty-one.
It INCLUDES PROTECTIONS for people UNDER the AGE of twenty-one.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence11.mp3
10/To get a credit card, they will need a _____ or other _____over twenty-one to accept _____ _____.
To get a credit card, they will need a PARENT or other ADULT over twenty-one to accept JOINT RESPONSIBILITY.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence12.mp3
11/Or they will _____ to show they can _____ their _____ _____.
Or they will NEED to show they can REPAY their DEBTS INDEPENDENTLY.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence13.mp3
12/_____ will have to make _____ any _____ with credit card _____.
COLLEGES will have to make PUBLIC any AGREEMENTS with credit card MARKETERS.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence14.mp3
13/And credit card _____ may not offer gifts on _____ _____ a campus to _____ students.
And credit card COMPANIES may not offer gifts on OR NEAR a campus to PERSUADE students.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence15.mp3
14/Also, schools are _____ to _____ limiting the number of _____ on _____ where companies can market credit cards.
Also, schools are URGED to CONSIDER limiting the number of PLACES on CAMPUS where companies can market credit cards.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence16.mp3
15/And they are _____ to offer credit card and debt _____ and _____ _____ to all new students.
And they are URGED to offer credit card and debt EDUCATION and COUNSELING SESSIONS to all new students.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence17.mp3
16/The new _____ from _____ _____ _____ in February.
The new MEASURES from CONGRESS TAKE EFFECT in February.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence18.mp3
17/_____ a credit card can _____ be _____ for _____ students.
GETTING a credit card can ALREADY be DIFFICULT for INTERNATIONAL students.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence19.mp3
18/College _____say those who want one _____consider _____ with _____ from home.
College ADVISERS say those who want one MIGHT consider ARRIVING with ONE from home.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence20.mp3
19/Debit cards _____ money _____ from a _____ _____.
Debit cards WITHDRAW money DIRECTLY from a BANK ACCOUNT.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence21.mp3
20/But _____ say _____ can also be difficult _____ for _____ students to get.
But ADVISERS say THESE can also be difficult SOMETIMES for FOREIGN students to get.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence22.mp3
21/A good _____ of advice about _____ banking is a _____ international student _____ .
A good SOURCE of advice about LOCAL banking is a SCHOOL'S international student OFFICE.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence23.mp3
22/ At Penn State, for example, adviser Pat Coleman _____ they have _____ with local banks to _____ banking _____ for international students.
At Penn State, for example, adviser Pat Coleman SAYS they have WORKED with local banks to MAKE banking EASIER for international students.

http://eseonline.net/s/files/19/My%20Documents/Dictation100802/Sentence24.mp3
23/Students are _____ _____ to _____ around one to two thousand dollars for _____ for a school year in the United States.
Students are GENERALLY ADVISED to BUDGET around one to two thousand dollars for EXPENSES for a school year in the United States.

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