Learn Real English: How to pay with DEBIT and CREDIT CARDS

356,118 views ใƒป 2015-02-11

English with Ronnie


ไธ‹ใฎ่‹ฑ่ชžๅญ—ๅน•ใ‚’ใƒ€ใƒ–ใƒซใ‚ฏใƒชใƒƒใ‚ฏใ™ใ‚‹ใจๅ‹•็”ปใ‚’ๅ†็”Ÿใงใใพใ™ใ€‚ ็ฟป่จณใ•ใ‚ŒใŸๅญ—ๅน•ใฏๆฉŸๆขฐ็ฟป่จณใงใ™ใ€‚

00:01
Hi, there. My name is Ronnie. Welcome to the lesson on how to pay with a debit or credit
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ใ‚„ใ‚ใ€‚ ็งใฎๅๅ‰ใฏใƒญใƒ‹ใƒผใงใ™ใ€‚ ใƒ‡ใƒ“ใƒƒใƒˆ ใ‚ซใƒผใƒ‰ใพใŸใฏใ‚ฏใƒฌใ‚ธใƒƒใƒˆ ใ‚ซใƒผใƒ‰ใงใฎๆ”ฏๆ‰•ใ„ๆ–นๆณ•ใซ้–ขใ™ใ‚‹ใƒฌใƒƒใ‚นใƒณใธใ‚ˆใ†ใ“ใ
00:07
card. One thing that might be a little bit difficult when you're shopping is understanding
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ใ€‚ ่ฒทใ„็‰ฉใ‚’ใ—ใฆใ„ใ‚‹ใจใใซๅฐ‘ใ—้›ฃใ—ใ„ใ“ใจใฎ 1 ใคใฏใ€้Š€่กŒใ‚ซใƒผใƒ‰ใ€ใƒ‡ใƒ“ใƒƒใƒˆ ใ‚ซใƒผใƒ‰ใ€ใพใŸใฏใ‚ฏใƒฌใ‚ธใƒƒใƒˆ ใ‚ซใƒผใƒ‰
00:14
what the machine says when you want to pay with a bank card, a debit card, or a credit
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ใงๆ”ฏๆ‰•ใ„ใŸใ„ใจใใซๆฉŸๆขฐใŒไฝ•ใ‚’่จ€ใ†ใ‹ใ‚’็†่งฃใ™ใ‚‹ใ“ใจใงใ™
00:20
card. So as an example, this is a credit card. It's not, but it'll suffice. It'll do.
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ใ€‚ ไพ‹ใจใ—ใฆใ€ใ“ใ‚Œใฏใ‚ฏใƒฌใ‚ธใƒƒใƒˆ ใ‚ซใƒผใƒ‰ใงใ™ใ€‚ ใใ†ใงใฏใ‚ใ‚Šใพใ›ใ‚“ใŒใ€ใใ‚Œใงๅๅˆ†ใงใ™ใ€‚ ใ‚„ใ‚Šใพใ™ใ€‚
00:30
So this is actually a points card for movies. If you like to go to the movies, you can get
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ใ“ใ‚ŒใฏๅฎŸใฏๆ˜ ็”ปใฎใƒใ‚คใƒณใƒˆใ‚ซใƒผใƒ‰ใงใ™ใ€‚ ๆ˜ ็”ปใ‚’่ฆ‹ใซ่กŒใใฎใŒๅฅฝใใชใ‚‰ใ€ใ‚ทใƒผใƒณใ‚ซใƒผใƒ‰ใ‚’ๆ‰‹ใซๅ…ฅใ‚Œใ‚‹ใ“ใจใŒใงใใพใ™
00:35
a Scene card. And if you spend lots of money in the movie theater,
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ใ€‚ ใใ—ใฆ ใ€ๆ˜ ็”ป้คจใงใŸใใ•ใ‚“ใฎใŠ้‡‘
00:40
you can watch a movie for free.
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ใ‚’ไฝฟใˆใฐใ€็„กๆ–™ใงๆ˜ ็”ปใ‚’่ฆ‹ใ‚‹ใ“ใจใŒใงใใพใ™ใ€‚
00:43
The first thing that the person's going to do is they're going to give you a machine,
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ใใฎไบบใŒๆœ€ๅˆใซ ใ‚„ใ‚ใ†ใจใ—ใฆใ„ใ‚‹ใ“ใจใฏใ€ๅฝผใ‚‰ใŒใ‚ใชใŸใซๆฉŸๆขฐใ‚’ๆธกใ™
00:48
or a machine will be at the checkout or the cash register. Oh, hi, machine. The very,
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ใ‹ใ€ๆฉŸๆขฐใŒใƒฌใ‚ธใ‹ ใƒฌใ‚ธใซใ‚ใ‚‹ใจใ„ใ†ใ“ใจใงใ™ใ€‚ ใ‚ใ‚ใ€ใ“ใ‚“ใซใกใฏใ€ใƒžใ‚ทใƒณใ€‚
00:54
very first thing that the machine will say -- it will say, "Swipe or insert". These are
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ใƒžใ‚ทใƒณใŒๆœ€ๅˆใซ ่จ€ใ†ใ“ใจใฏใ€ใ€Œใ‚นใƒฏใ‚คใƒ—ใพใŸใฏๆŒฟๅ…ฅใ€ใจ่จ€ใ†ใงใ—ใ‚‡ใ†ใ€‚ ใ“ใ‚Œใ‚‰ใฏ
01:02
verbs. The first verb, "swipe" -- what you have to do is you have to take the black strip
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ๅ‹•่ฉžใงใ™ใ€‚ ๆœ€ๅˆใฎๅ‹•่ฉž "swipe" ใฏใ€้ป’ใ„ๅธฏใ‚’ๅ–ใ‚Šๅ‡บใ•ใชใ‘ใ‚Œใฐใชใ‚‰ใชใ„ใจใ„ใ†ใ“ใจใงใ™ใ€‚
01:08
-- and "swipe" means to quickly push it through or pull it through a machine. So you're going
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"swipe" ใฏ ใ€ๆฉŸๆขฐใซใ™ใฐใ‚„ใๆŠผใ—่พผใ‚€ใ€ใพใŸใฏๅผ•ใฃๅผตใ‚‹ใจใ„ใ†ๆ„ๅ‘ณใงใ™ใ€‚ ใใ‚Œใงใ€ใ‚ใชใŸใฏใ“ใ†ใชใ‚‹ใงใ—ใ‚‡ใ†
01:13
to be, like -- you can make this noise if you want.
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- ๅฟ…่ฆใซๅฟœใ˜ใฆใ€ใ“ใฎ้Ÿณใ‚’ๅ‡บใ™ใ“ใจใŒ ใงใใพใ™ใ€‚
01:17
Now, the thing that confuses me all the time is sometimes, I have to put my card in so
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ไปŠใ€็งใ‚’ใ„ใคใ‚‚ๆททไนฑใ•ใ›ใฆใ„ใ‚‹ใฎ ใฏใ€้ป’ใ„ใ‚นใƒˆใƒฉใ‚คใƒ—ใŒ่‡ชๅˆ†ใฎๆ–นใซๅ‘ใใ‚ˆใ†ใซใ‚ซใƒผใƒ‰ใ‚’ๅ…ฅใ‚Œใชใ‘ใ‚Œใฐใชใ‚‰ใชใ„ใ“ใจ
01:24
the black stripe is towards me. Some machines, you have to put it so that the black stripe
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ใงใ™ใ€‚ ไธ€้ƒจใฎใƒžใ‚ทใƒณใงใฏ ใ€้ป’ใ„ใ‚นใƒˆใƒฉใ‚คใƒ—ใŒ่‡ชๅˆ†ใ‹ใ‚‰้›ขใ‚Œใ‚‹ใ‚ˆใ†ใซ้…็ฝฎใ™ใ‚‹ๅฟ…่ฆใŒใ‚ใ‚Š
01:30
is away from you. The people never tell you, and you -- what's happening? Other way. Thanks.
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ใพใ™ใ€‚ ไบบใ€…ใฏๆฑบใ—ใฆใ‚ใชใŸใซ่จ€ใ„ใพใ›ใ‚“ใ€ใใ—ใฆ ใ‚ใชใŸใฏโ€ฆไฝ•ใŒ่ตทใ“ใฃใฆใ„ใ‚‹ใฎใงใ™ใ‹? ไป–ใฎๆ–นๆณ•ใ€‚ ใ‚ใ‚ŠใŒใจใ†ใ€‚
01:40
So maybe you are able to swipe your card. Perfect. So you're going to -- verb -- "swipe"
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ใใฎใŸใ‚ใ€ใ‚ซใƒผใƒ‰ใ‚’ใ‚นใƒฏใ‚คใƒ—ใงใใ‚‹ๅฏ่ƒฝๆ€งใŒใ‚ใ‚Šใพใ™ใ€‚ ๅฎŒๅ…จใ€‚ ใคใพใ‚Šใ€ๅ‹•่ฉžใงใ‚ซใƒผใƒ‰ใ‚’ใ€Œใ‚นใƒฏใ‚คใƒ—
01:47
the card.
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ใ€ใ—ใพใ™ใ€‚
01:48
The other option, "insert" -- this card does not have one, but this is card a "chip". It's
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ใ‚‚ใ† 1 ใคใฎใ‚ชใƒ—ใ‚ทใƒงใƒณใ€ใ€ŒๆŒฟๅ…ฅใ€ -- ใ“ใฎใ‚ซใƒผใƒ‰ใซใฏใ‚ใ‚Šใพใ› ใ‚“ใŒใ€ใ“ใ‚Œใฏใ‚ซใƒผใƒ‰ใ€Œใƒใƒƒใƒ—ใ€ใงใ™ใ€‚
01:55
like a microchip. And you actually insert or put the card into the bottom of the machine.
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ใƒžใ‚คใ‚ฏใƒญใƒใƒƒใƒ—ใฎใ‚ˆใ†ใชใ‚‚ใฎใงใ™ใ€‚ ใใ—ใฆใ€ๅฎŸ้š› ใซใ‚ซใƒผใƒ‰ใ‚’ใƒžใ‚ทใƒณใฎๅบ•ใซๆŒฟๅ…ฅใพใŸใฏๆŒฟๅ…ฅใ—ใพใ™ใ€‚
02:02
So "swipe" means to do this action. I don't know how to spell [swipe sound] -- but "insert"
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ใ—ใŸใŒใฃใฆใ€ใ€Œใ‚นใƒฏใ‚คใƒ—ใ€ใฏใ“ใฎใ‚ขใ‚ฏใ‚ทใƒงใƒณใ‚’ๅฎŸ่กŒใ™ใ‚‹ใ“ใจใ‚’ๆ„ๅ‘ณใ—ใพใ™ใ€‚ [swipe sound] ใฎใ‚นใƒšใƒซใฏใ‚ใ‹ใ‚Šใพใ›ใ‚“ใŒใ€ใ€Œinsertใ€ใฏๅทฎใ—่พผใ‚€ใ€ๆŒฟๅ…ฅใ™ใ‚‹ใจใ„ใ†
02:09
means to stick it in, to put in. So you're actually going to put it in the machine, or
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ๆ„ๅ‘ณใงใ™ใ€‚ใคใพใ‚Šใ€ ๅฎŸ้š›ใซใƒžใ‚ทใƒณ
02:17
put your card in the machine.
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ใซๆŒฟๅ…ฅใ™ใ‚‹ใ‹ใ€ใ‚ซใƒผใƒ‰ใ‚’ใƒžใ‚ทใƒณใซๆŒฟๅ…ฅใ—ใพใ™ใ€‚
02:20
The next thing that will happen is you probably have to keep your card in the machine if it's
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ๆฌกใซ่ตทใ“ใ‚‹ใ“ใจใฏ ใ€ใ‚ซใƒผใƒ‰ใŒๆŒฟๅ…ฅใ•ใ‚Œใฆใ„ใ‚‹ๅ ดๅˆใ€ใŠใใ‚‰ใใƒžใ‚ทใƒณใซใ‚ซใƒผใƒ‰ใ‚’ๅ…ฅใ‚ŒใŸใพใพใซใ—ใฆใŠใๅฟ…่ฆใŒใ‚ใ‚‹ใจใ„ใ†ใ“ใจใงใ™
02:26
inserted. If it's swiped, you usually take your card back. They're going to ask you to
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. ใ‚นใƒฏใ‚คใƒ—ใ•ใ‚ŒใŸๅ ดๅˆใ€้€šๅธธใฏ ใ‚ซใƒผใƒ‰ใ‚’ๅ–ใ‚Šๆˆปใ—ใพใ™ใ€‚ ้‡‘้กใฎ็ขบ่ชใ‚’ๆฑ‚ใ‚ใ‚‰ใ‚Œใพใ™
02:33
verify the amount. So on the little computer screen, it'll say, "Amount: $42.75 Ok?" It's
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ใ€‚ ๅฐใ•ใชใ‚ณใƒณใƒ”ใƒฅใƒผใ‚ฟใƒผใฎ ็”ป้ขใซใ€ใ€Œ้‡‘้ก: $42.75 ใ‚ใ‹ใ‚Šใพใ—ใŸใ‹?ใ€ใจ่กจ็คบใ•ใ‚Œใพใ™ใ€‚
02:41
your chance to press the "ok" button. Now, if you decide that maybe the price is wrong
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ใ€ŒOKใ€ใƒœใ‚ฟใƒณใ‚’ๆŠผใ™ใƒใƒฃใƒณใ‚นใงใ™ใ€‚ ใ“ใ“ใง ใ€ไพกๆ ผใŒ้–“้•ใฃใฆใ„ใ‚‹ใ‹ใ€็›ธๆ‰‹ใŒ้–“้•ใฃใฆๅ…ฅๅŠ›ใ—ใŸๅฏ่ƒฝๆ€งใŒใ‚ใ‚‹ใจๅˆคๆ–ญใ—ใŸ
02:48
or the person has typed it in wrong, you have to option to press "cancel". "Cancel" means
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ๅ ดๅˆใฏใ€ ใ€Œใ‚ญใƒฃใƒณใ‚ปใƒซใ€ใ‚’้ธๆŠžใ™ใ‚‹ๅฟ…่ฆใŒใ‚ใ‚Šใพใ™ใ€‚ ใ€Œใ‚ญใƒฃใƒณใ‚ปใƒซใ€ใฏใ„
02:56
no. Not going to happen. No. I'm sorry. "Ok" means "yes". It'll tell you the amount "$42.75
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ใ„ใˆใ‚’ๆ„ๅ‘ณใ—ใพใ™ใ€‚ ่ตทใ“ใ‚‰ใชใ„ใ€‚ ใ„ใ„ใˆใ€ใ”ใ‚ใ‚“ใชใ•ใ„ใ€‚ ใ€ŒOKใ€ ใฏใ€Œใฏใ„ใ€ใจใ„ใ†ๆ„ๅ‘ณใงใ™ใ€‚ ใ€Œ$42.75 OK?ใ€ใจใ„ใ†้‡‘้กใŒ่กจ็คบใ•ใ‚Œใพใ™
03:04
Ok?" You then press "Ok".
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ใ€‚ ๆฌกใซใ€ใ€ŒOKใ€ใ‚’ๆŠผใ—ใพใ™ใ€‚
03:08
The next screen that will come up will look like this: "Che Sav". What is "Che Sav"? These
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ๆฌกใฎ็”ป้ขใฏ ใ€ŒChe Savใ€ใฎใ‚ˆใ†ใซใชใ‚Šใพใ™ใ€‚ ใ€Œใƒใ‚งใƒปใ‚ตใƒดใ€ใจใฏ๏ผŸ ใ“ใ‚Œใ‚‰
03:16
are two different kinds of bank accounts that are common around the world. The first one
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ใฏ ใ€ไธ–็•Œไธญใงไธ€่ˆฌ็š„ใช 2 ็จฎ้กžใฎ้Š€่กŒๅฃๅบงใงใ™ใ€‚ 1ใค็›ฎ
03:22
is "chequing", and the second one is "savings". Now, a chequing account means that you can
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ใฏใ€Œๅฐๅˆ‡ๆ‰‹ใ€ใ€2ใค็›ฎใฏใ€Œ่ฒฏ้‡‘ใ€ใงใ™ใ€‚ ใ•ใฆใ€ๅฝ“ๅบง้ ้‡‘ๅฃๅบงใจใฏใ€ๅฐๅˆ‡ๆ‰‹ใ‚’ๆ›ธใใ“ใจใŒใงใใ‚‹ใ“ใจใ‚’ๆ„ๅ‘ณใ—ใพใ™
03:31
write cheques. Cheques are like paper money. If you ever have to pay rent, you're going
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ใ€‚ ๅฐๅˆ‡ๆ‰‹ใฏ็ด™ๅนฃใฎใ‚ˆใ†ใชใ‚‚ใฎใงใ™ใ€‚ ๅฎถ่ณƒใ‚’ๆ”ฏๆ‰•ใ†ๅฟ…่ฆใŒใ‚ใ‚‹ๅ ดๅˆใฏ
03:38
to use a cheque. A savings account -- more like a spending account -- is you can't write
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ใ€ๅฐๅˆ‡ๆ‰‹ใ‚’ไฝฟ็”จใ—ใพใ™ใ€‚ ๆ™ฎ้€š้ ้‡‘ๅฃๅบง ใฏใ€ๆ”ฏๅ‡บๅฃๅบงใซไผผใฆใ„ใพใ™ใŒใ€ๅฐๅˆ‡ๆ‰‹ใ‚’ๆ›ธใใ“ใจใฏใงใใพใ›ใ‚“
03:45
cheques through it. They're usually cheaper and more efficient in banks than a chequing
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ใ€‚ ้€šๅธธ ใ€ๅฝ“ๅบง้ ้‡‘ๅฃๅบงใ‚ˆใ‚Šใ‚‚้Š€่กŒใฎๆ–นใŒๅฎ‰ใๅŠน็Ž‡็š„
03:50
account. Some people have two bank accounts. Maybe you have a chequing account and a savings
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ใงใ™ใ€‚ ้Š€่กŒๅฃๅบงใ‚’2ใคๆŒใฃใฆใ„ใ‚‹ไบบใ‚‚ใ„ใพใ™ใ€‚ ๅฝ“ๅบง้ ้‡‘ๅฃๅบงใจๆ™ฎ้€š้ ้‡‘ๅฃๅบงใ‚’ๆŒใฃใฆใ„ใ‚‹ใ‹ใ‚‚ใ—ใ‚Œใพใ›ใ‚“
03:58
account. And maybe you have to keep a certain amount of money in one of these. So you get
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ใ€‚ ใใ—ใฆใ€ใŠใใ‚‰ใ ใ€ใ“ใ‚Œใ‚‰ใฎใ„ใšใ‚Œใ‹ใซไธ€ๅฎšใฎ้‡‘้กใ‚’ไฟๆŒใ™ใ‚‹ๅฟ…่ฆใŒใ‚ใ‚Šใพใ™ใ€‚ ใใฎใŸใ‚ใ€ใŠ้‡‘
04:03
to choose which account your money comes out of.
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ใ‚’ใฉใฎๅฃๅบงใ‹ใ‚‰ๅผ•ใๅ‡บใ™ใ‹ใ‚’้ธๆŠžใงใ ใพใ™ใ€‚
04:07
The next step it's going to say is, "enter pin". Pin? Safety pin? What's a "pin"? Your
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ๆฌกใฎใ‚นใƒ†ใƒƒใƒ—ใฏใ€ใ€Œใƒ”ใƒณใ‚’ๅ…ฅๅŠ›ใ—ใฆใใ ใ•ใ„ ใ€ใงใ™ใ€‚ ใƒ”ใƒณ๏ผŸ ๅฎ‰ๅ…จใƒ”ใƒณ๏ผŸ ใ€Œใƒ”ใƒณใ€ใจใฏ๏ผŸ ใ‚ใชใŸใฎ
04:12
"pin" is your "personal identity number". So it's usually for numbers. Mine is "777"
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ใ€Œๆš—่จผ็•ชๅทใ€ใฏใ‚ใชใŸใฎใ€Œๅ€‹ไบบ่ญ˜ๅˆฅ็•ชๅทใ€ใงใ™ใ€‚ ใ—ใŸใŒใฃใฆใ€้€šๅธธใฏๆ•ฐๅญ—็”จใงใ™ใ€‚ ็งใฎใฏใ€Œ777
04:22
-- oh, no. Not going to tell you. Enter your pin number. So you put in your pin number.
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ใ€ใงใ™ใ€‚ ใ‚ใชใŸใซ่จ€ใ†ใคใ‚‚ใ‚Šใฏใ‚ใ‚Šใพใ›ใ‚“ใ€‚ ๆš—่จผ็•ชๅทใ‚’ๅ…ฅๅŠ›ใ—ใฆใใ ใ•ใ„ ใ€‚ ใ ใ‹ใ‚‰ใ‚ใชใŸใฏใ‚ใชใŸใฎใƒ”ใƒณ็•ชๅทใ‚’ๅ…ฅใ‚Œใพใ™ใ€‚
04:29
Now, sometimes -- this happens to me a lot -- I try to swipe or I try to insert my card,
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ใ•ใฆใ€ๆ™‚ใ€… -- ใ“ใ‚Œใฏ็งใซใ‚ˆใ่ตทใ“ใ‚Šใพใ™ -- ใ‚ซใƒผใƒ‰ใ‚’ใ‚นใƒฏใ‚คใƒ—ใ—ใ‚ˆใ†ใจใ—ใŸใ‚Šใ€ใ‚ซใƒผใƒ‰ใ‚’ๆŒฟๅ…ฅใ—ใ‚ˆใ†ใจใ—ใŸใ‚Š
04:44
and I have to tell the person -- I have to say, "I didn't work." So it means that this
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ใ—ใฆใ€ใใฎไบบใซ่จ€ใ‚ใชใ‘ใ‚Œใฐใชใ‚Š ใพใ›ใ‚“ -- ใ€Œ็งใฏไป•ไบ‹ใ‚’ใ—ใฆใ„ใพใ›ใ‚“ใ€ใจ่จ€ใ‚ใชใ‘ใ‚Œใฐใชใ‚Šใพใ›ใ‚“ใ€‚ ใคใพใ‚Šใ€ใ“ใฎ
04:50
black band at the back -- it's not being read by the machine. The machine does not understand
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ๅพŒใ‚ใฎ้ป’ใ„ๅธฏใฏใ€ๆฉŸๆขฐใŒ่ชญใฟๅ–ใฃใฆใ„ใชใ„ใจใ„ใ†ใ“ใจ ใงใ™ใ€‚ ใƒžใ‚ทใƒณใฏใ“ใ‚Œใ‚’็†่งฃใ—ใฆใ„ใพใ›ใ‚“
04:56
this. Some people have techniques where they take a piece of paper, and they put the card
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ใ€‚ ไธ€ๆžšใฎ็ด™ใ‚’ๅ–ใ‚Šใ€ใ‚ซใƒผใƒ‰
05:02
through again. If your card is very old or dirty like mine, maybe it doesn't work as
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ใ‚’ๅ†ใณ้€šใ™ใƒ†ใ‚ฏใƒ‹ใƒƒใ‚ฏใ‚’ๆŒใฃใฆใ„ใ‚‹ไบบใ‚‚ใ„ใพใ™ใ€‚ ใ‚ใชใŸใฎใ‚ซใƒผใƒ‰ใŒ็งใฎใ‚ˆใ†ใซ้žๅธธใซๅคใ„ ใ‹ๆฑšใ‚Œใฆใ„ใ‚‹ๅ ดๅˆใ€ใ†ใพใๆฉŸ่ƒฝใ—ใชใ„ๅฏ่ƒฝๆ€งใŒใ‚ใ‚Š
05:06
well. That's why the chip is really, really helpful where you insert it in. But anyways,
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ใพใ™ใ€‚ ใใฎใŸใ‚ใ€ใƒใƒƒใƒ—ใฏ ใฉใ“ใซๆŒฟๅ…ฅใ—ใฆใ‚‚้žๅธธใซๅฝน็ซ‹ใกใพใ™ใ€‚ใ—ใ‹ใ—ใ€ใจใซใ‹ใใ€
05:13
sometimes, if it doesn't work, you have to start again. Okay?
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ใ†ใพใใ„ใ‹ใชใ„ ๅ ดๅˆใฏใ€ๆœ€ๅˆใ‹ใ‚‰ใ‚„ใ‚Š็›ดใ™ๅฟ…่ฆใŒใ‚ใ‚Šใพใ™ใ€‚ ใ‚ใ‹ใฃใŸ๏ผŸ
05:16
So you're going to enter your pin number.
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ใงใฏ ใ€ๆš—่จผ็•ชๅทใ‚’ๅ…ฅๅŠ›ใ—ใพใ™ใ€‚
05:19
Now, maybe you forget your pin number. It might tell you "wrong pin", so it means, "Mistake!
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ใ•ใฆใ€ใ‚ใชใŸใฏๆš—่จผ็•ชๅทใ‚’ๅฟ˜ใ‚Œใฆใ—ใพใฃใŸใ‹ใ‚‚ใ—ใ‚Œใพใ›ใ‚“ใ€‚ ใ€Œ้–“้•ใฃใŸใƒ”ใƒณใ€ใจ่กจ็คบใ•ใ‚Œใ‚‹ๅ ดๅˆใŒใ‚ใ‚‹ใŸใ‚ใ€ใ€Œ้–“้•ใฃใฆใ„ใ‚‹! ใ‚ใ‚ใ€้•ใ†!ใ€ใจใ„ใ†ๆ„ๅ‘ณใซใชใ‚Š
05:28
Oh, no!" It'll say, "Re-enter pin." "Re-enter" means you do the number again. Hopefully,
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ใพใ™ใ€‚ ใ€Œใƒ”ใƒณใ‚’ๅ†ๅ…ฅๅŠ›ใ—ใฆใใ ใ•ใ„ใ€ใจ่กจ็คบใ•ใ‚Œใพใ™ใ€‚ ใ€Œๅ†ๅ…ฅๅŠ›ใ€ ใจใฏใ€็•ชๅทใ‚’ใ‚‚ใ†ไธ€ๅบฆๅ…ฅๅŠ›ใ™ใ‚‹ใ“ใจใ‚’ๆ„ๅ‘ณใ—ใพใ™ใ€‚ ใ†ใพใใ„ใ‘ใฐใ€
05:39
it's okay. Maybe you need to say to the person, "It didn't work." So they have to cancel the
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ๅคงไธˆๅคซใงใ™ใ€‚ ใใฎไบบใซใ€Œใ†ใพใใ„ใ‹ใชใ‹ใฃใŸใ€ใจ่จ€ใ†ๅฟ…่ฆใŒใ‚ใ‚‹ใ‹ใ‚‚ใ—ใ‚Œใพใ› ใ‚“ใ€‚ ใใฎใŸใ‚ใ€ๅ–ๅผ•ใ‚’ใ‚ญใƒฃใƒณใ‚ปใƒซใ™ใ‚‹
05:48
transaction. You get to do it again. Hopefully, your pin has worked because you remember it.
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ๅฟ…่ฆใŒใ‚ใ‚Šใพใ™ใ€‚ ใ‚ใชใŸใฏใใ‚Œใ‚’ใ‚„ใ‚Š็›ดใ•ใชใ‘ใ‚Œใฐใชใ‚Šใพใ›ใ‚“ใ€‚ ใ‚ใชใŸใŒใใ‚Œใ‚’่ฆšใˆใฆใ„ใ‚‹ใฎใงใ†ใพใใ„ใ‘ใฐใ€ใ‚ใชใŸใฎใƒ”ใƒณใฏใ†ใพใใ„ใใพใ—ใŸใ€‚
05:56
You enter your pin number. And most machines, at the end of the pin number, you have to
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ๆš—่จผ็•ชๅทใ‚’ๅ…ฅๅŠ›ใ—ใพใ™ใ€‚ ใปใจใ‚“ใฉใฎใƒžใ‚ทใƒณ ใงใฏใ€ใƒ”ใƒณ็•ชๅทใฎๆœ€ๅพŒใงใ€ŒOKใ€ใ‚’ๆŠผใ™ๅฟ…่ฆใŒใ‚ใ‚Šใพใ™
06:02
press "ok". Then, all the magic happens. All the money comes out of your account. And you'll
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ใ€‚ ใใฎๅพŒใ€ใ™ในใฆใฎ้ญ”ๆณ•ใŒ่ตทใ“ใ‚Šใพใ™ใ€‚ ใ™ในใฆใฎ ใŠ้‡‘ใฏใ‚ใชใŸใฎๅฃๅบงใ‹ใ‚‰ๅ‡บใฆใใพใ™ใ€‚
06:09
get a message that says, "Processing. Do not remove card." This means don't take your card
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ใ€Œๅ‡ฆ็†ไธญใงใ™ใ€‚ใ‚ซใƒผใƒ‰ใ‚’ๅ–ใ‚Šๅค–ใ•ใชใ„ใงใใ ใ•ใ„ใ€‚ใ€ใจใ„ใ†ใƒกใƒƒใ‚ปใƒผใ‚ธใŒ่กจ็คบใ•ใ‚Œใพใ™ ใ€‚ ใ“ใ‚Œใฏใ€ใ‚ซใƒผใƒ‰ใŒๆŒฟๅ…ฅใ•ใ‚Œใฆใ„ใ‚‹ๅ ดๅˆใฏใ‚ซใƒผใƒ‰ใ‚’ๅ–ใ‚Šๅ‡บใ•ใชใ„ใ“ใจใ‚’ๆ„ๅ‘ณใ—ใพใ™
06:17
out if it's inserted. If it's a swipe card, there's no problem. But if you take the card
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ใ€‚ ใ‚นใƒฏใ‚คใƒ—ใ‚ซใƒผใƒ‰ ใชใ‚‰ๅ•้กŒใ‚ใ‚Šใพใ›ใ‚“ใ€‚ ใ—ใ‹ใ—ใ€
06:24
out when it's processing, it means it's working; it's taking your money from your bank account.
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ๅ‡ฆ็†ไธญใซใ‚ซใƒผใƒ‰ใ‚’ๅ–ใ‚Šๅ‡บใ—ใŸๅ ดๅˆใ€ใใ‚ŒใฏๆฉŸ่ƒฝใ—ใฆใ„ใ‚‹ใ“ใจใ‚’ๆ„ๅ‘ณใ—ใพใ™ใ€‚ ใใ‚Œใฏใ‚ใชใŸใฎ้Š€่กŒๅฃๅบงใ‹ใ‚‰ใ‚ใชใŸใฎใŠ้‡‘ใ‚’ๅ–ใฃใฆใ„ใพใ™ใ€‚
06:31
You can't remove it. Okay? You have to wait until you get this message. It'll say,
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ๅ‰Š้™คใ™ใ‚‹ใ“ใจใฏใงใใพใ›ใ‚“ใ€‚ ใ‚ใ‹ใฃใŸ๏ผŸ ใ“ใฎใƒกใƒƒใ‚ปใƒผใ‚ธใŒ่กจ็คบใ•ใ‚Œใ‚‹ใพใงๅพ…ใคๅฟ…่ฆใŒใ‚ใ‚Šใพใ™ใ€‚
06:38
"Transaction complete" or "completed". "Remove card. I don't have to tell you how important this
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ใ€Œๅ–ๅผ•ๅฎŒไบ†ใ€ใพใŸใฏใ€ŒๅฎŒไบ†ใ€ใจ่กจ็คบใ•ใ‚Œใพใ™ใ€‚ ใ€Œ ใ‚ซใƒผใƒ‰ใ‚’ๆŠœใ„ใฆใใ ใ•ใ„ใ€‚ใ“ใ‚ŒใŒใฉใ‚Œใปใฉ้‡่ฆใ‹ใฏ่จ€ใ†ใพใงใ‚‚ใ‚ใ‚Šใพใ›ใ‚“ใ€‚
06:46
is. Twice, I have forgotten to remove my card. So I went home, and I said, "Oh, no. Where's
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ใ‚ซใƒผใƒ‰ใ‚’ๆŠœใใฎใ‚’2ๅ›žๅฟ˜ใ‚Œใฆใ—ใพใ„ใพใ—ใŸใ€‚ ใใ‚Œใงๅฎถใซๅธฐใฃใฆใ€ใ€Žใ‚ใ‚ใ€ใƒ€ใƒกใงใ™ใ€‚
06:59
my debit card?" I had to go back to the store, and it was there. I was so lucky. Two times
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ใƒ‡ใƒ“ใƒƒใƒˆใ‚ซใƒผใƒ‰ใฏใฉใ“๏ผŸใ€ ๅบ—ใซๆˆปใ‚‰ใชใ‘ใ‚Œใฐใชใ‚‰ใชใ‹ใฃใŸใฎใงใ™ ใŒใ€ใใ“ใซใ‚ใ‚Šใพใ—ใŸใ€‚ใจใฆใ‚‚ๅนธ้‹ใงใ—ใŸใ€‚ใใ‚Œใฏ 2 ๅ›ž
07:06
that's happened. How many times has it happened to you?
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็™บ็”Ÿใ—ใพใ—ใŸใ€‚ใ‚ใชใŸใฏไฝ• ๅ›ž็™บ็”Ÿใ—ใพใ—ใŸใ‹?
07:10
Using a credit card is almost exactly the same idea. You're going to swipe it or insert
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ใ‚ฏใƒฌใ‚ธใƒƒใƒˆ ใ‚ซใƒผใƒ‰ใ‚’ไฝฟ็”จใ™ใ‚‹ใ“ใจใฏใ€ใปใจใ‚“ใฉ ๅŒใ˜่€ƒใˆใงใ™ใ€‚ ใ‚นใƒฏใ‚คใƒ—ใ™ใ‚‹ใ‹ๆŒฟๅ…ฅ
07:16
it. It's going to ask you the amount. When you use a credit card, you will not have a
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ใ—ใพใ™. ้‡‘้กใ‚’ๅฐ‹ใญใ‚‰ใ‚Œใพใ™. ใ‚ฏใƒฌใ‚ธใƒƒใƒˆใ‚ซใƒผใƒ‰ใ‚’ไฝฟ็”จใ™ใ‚‹ๅ ดๅˆ,
07:22
chequing or savings option. But you will probably have to enter a pin number. It'll tell you
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ๅฐๅˆ‡ๆ‰‹ใ‚„่ฒฏ่“„ใฎใ‚ชใƒ—ใ‚ทใƒงใƒณใฏใ‚ใ‚Šใพใ›ใ‚“. ใ—ใ‹ใ—, ใŠใใ‚‰ใๆš—่จผ ็•ชๅทใ‚’ๅ…ฅๅŠ›ใ™ใ‚‹ๅฟ…่ฆใŒใ‚ใ‚Šใพใ™.
07:29
again, "Processing", and then, "Transaction complete."
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07:33
Some banks offer an option called "tap and go" or "pay as you go" where you just touch
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้Š€่กŒใซใ‚ˆใฃใฆใฏใ€ใ‚ฏใƒฌใ‚ธใƒƒใƒˆ ใ‚ซใƒผใƒ‰ใ‚’ๆคœ้–ฒๅฎ˜ใซใ‹ใ–ใ™ใ ใ‘ใงๆ–™้‡‘ใŒๅทฎใ—ๅผ•ใ‹ใ‚Œใ‚‹ใ€Œใ‚ฟใƒƒใƒ— ใ‚ขใƒณใƒ‰ ใ‚ดใƒผใ€ใพใŸใฏใ€Œใƒšใ‚ค ใ‚ขใ‚บ ใƒฆใƒผ ใ‚ดใƒผใ€ใจๅ‘ผใฐใ‚Œใ‚‹ใ‚ชใƒ—ใ‚ทใƒงใƒณใ‚’ๆไพ›ใ—ใฆใ„ใ‚‹้Š€่กŒใ‚‚ใ‚ใ‚Š
07:40
the credit card to a censor, and it subtracts money from your bank account.
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ใพใ™ใ€‚ ใ‚ใชใŸใฎ้Š€่กŒๅฃๅบง.
07:45
I don't trust that one.
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็งใฏใใ‚Œใ‚’ไฟก็”จใ—ใฆใ„ใพใ›ใ‚“.
07:48
Another thing -- a very bad thing, a very tragic thing that could happen when you are
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ใ‚‚ใ†ไธ€ใค-้žๅธธใซๆ‚ชใ„ใ“ใจใงใ™, ้žๅธธใซ ๆ‚ฒๅŠ‡็š„ใชใ“ใจใฏ
07:55
paying with your debit or your credit card is you could get a message -- instead of it
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ใ€ใƒ‡ใƒ“ใƒƒใƒˆใ‚ซใƒผใƒ‰ใ‚„ใ‚ฏใƒฌใ‚ธใƒƒใƒˆใ‚ซใƒผใƒ‰ใงๆ”ฏๆ‰•ใ„ใ‚’ใ—ใฆ ใ„ใ‚‹ใจใใซใ€ใƒกใƒƒใ‚ปใƒผใ‚ธใ‚’ๅ—ใ‘ๅ–ใ‚‹ๅฏ่ƒฝๆ€งใŒใ‚ใ‚‹ใจใ„ใ†ใ“ใจใงใ™.
08:01
saying, "Transaction complete. Remove card", you could get one of these ones. This one
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ใจ่จ€ใ†ใจใ€ใ€Œๅ–ๅผ•ๅฎŒไบ†ใ€‚ ใ‚ซใƒผใƒ‰ใ‚’ๅ–ใ‚Šๅค–ใ—ใฆใใ ใ•ใ„ใ€ใ€ ใ“ใ‚Œใ‚‰ใฎใ„ใšใ‚Œใ‹ใ‚’ๅ–ๅพ—ใงใใพใ™ใ€‚ใ“ใ‚Œ
08:09
says, "Incomplete transaction. Please try again." An "incomplete transaction" means
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ใฏใ€ใ€ŒๆœชๅฎŒไบ†ใฎๅ–ๅผ•ใงใ™ใ€‚ ใ€ŒไธๅฎŒๅ…จใชใƒˆใƒฉใƒณใ‚ถใ‚ฏใ‚ทใƒงใƒณใ€ใฏใ€
08:17
it did not work. There was a problem. There could have been a problem with your chequing
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ใใ‚ŒใŒๆฉŸ่ƒฝใ—ใชใ‹ใฃใŸใ“ใจใ‚’ๆ„ๅ‘ณ ใ—ใพใ™ใ€‚ๅ•้กŒใŒ็™บ็”Ÿใ—ใพใ—ใŸใ€‚ๅฐๅˆ‡ๆ‰‹ใพใŸใฏ่ฒฏ่“„ใซๅ•้กŒใŒใ‚ใฃใŸๅฏ่ƒฝๆ€งใŒใ‚ใ‚Š
08:23
or savings. You could've entered the wrong pin number. Many mistakes happen. And maybe
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ใพใ™ใ€‚้–“้•ใฃใŸๆš—่จผ็•ชๅทใ‚’ๅ…ฅๅŠ›ใ—ใŸๅฏ่ƒฝๆ€งใŒใ‚ใ‚Š ใพใ™ใ€‚ๅคšใใฎ้–“้•ใ„ใŒ็™บ็”Ÿใ—ใพใ™ใ€‚
08:29
it wasn't your fault. Maybe it was the bank's fault. So it'll say, "Please try again." Guess
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ใ‚ใชใŸใฎใ›ใ„ใงใฏใ‚ใ‚Šใพใ›ใ‚“. ้Š€่กŒใฎใ›ใ„ใ‹ใ‚‚ใ—ใ‚Œใพใ›ใ‚“.
08:34
what? You probably would have to enter "chequing or savings" again and your pin number.
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ใ€Œใ‚‚ใ†ไธ€ๅบฆใ‚„ใ‚Š็›ดใ—ใฆใใ ใ•ใ„
08:42
One of them -- and the last one that I will teach you today -- is a very, very terrible
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. ใใ—ใฆๆœ€ๅพŒใซ ใŠไผใˆใ™ใ‚‹ใฎใฏ ้žๅธธใซๆใ‚ใ—ใ„
08:48
one. The horror, the shock! It is called "insufficient funds" "insufficient funds" means there's
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ใ‚‚ใฎใงใ™ ๆๆ€–ใจใ‚ทใƒงใƒƒใ‚ฏใงใ™ ใ“ใ‚Œใฏใ€Œ่ณ‡้‡‘ไธ่ถณใ€ใจๅ‘ผใฐใ‚Œใพใ™ ใ€Œ่ณ‡้‡‘ไธ่ถณใ€ใจใฏ
08:58
no money in your bank account, so the transaction would be incomplete. You don't have enough
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้Š€่กŒๅฃๅบงใซใŠ้‡‘ใŒใชใ„ใ“ใจใ‚’ๆ„ๅ‘ณใ— ใใฎๅ–ๅผ• ใฏ
09:06
money in your bank account to pay for what you wanted to buy. That's a problem with you
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ใ‚ใชใŸใฎ้Š€่กŒๅฃๅบงใซ ใฏใ€่ณผๅ…ฅใ—ใŸใ„ใ‚‚ใฎใ‚’ๆ”ฏๆ‰•ใ†ใฎใซๅๅˆ†ใชใŠ้‡‘ใŒใ‚ใ‚Šใพใ›ใ‚“. ใใ‚Œใฏใ‚ใชใŸ
09:13
and your bank. So my advice is to get a job. Get some money. Make sure you've got lots
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ใจใ‚ใชใŸใฎ้Š€่กŒใฎๅ•้กŒใงใ™. ใ ใ‹ใ‚‰็งใฎใ‚ขใƒ‰ใƒใ‚คใ‚นใฏใ€ไป•ไบ‹ใ‚’่ฆ‹ใคใ‘ใ‚‹ ใ“ใจใงใ™. ใŠ้‡‘ใ‚’็จผใ„ใงใใ ใ•ใ„.
09:19
of it in your bank account before you go shopping. If you like shopping, next time you go, try
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่ฒทใ„็‰ฉใซ่กŒใๅ‰ใซใ€้Š€่กŒๅฃๅบงใซใŸใใ•ใ‚“ใฎใŠ้‡‘ใ‚’ๅ…ฅใ‚Œใพใ—ใŸใ€‚ ่ฒทใ„็‰ฉใŒๅฅฝใใชใ‚‰ใ€ๆฌกๅ›ž่ฒทใ„็‰ฉใซ่กŒใใจใ
09:26
and pay with a credit or a debit card. See if you can do it. I hope so. Goodbye.
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ใฏใ€ใ‚ฏใƒฌใ‚ธใƒƒใƒˆ ใ‚ซใƒผใƒ‰ใพใŸใฏใƒ‡ใƒ“ใƒƒใƒˆ ใ‚ซใƒผใƒ‰ใงๆ”ฏๆ‰•ใ„ใ‚’่ฉฆใ—ใฆใฟใฆใใ ใ•ใ„ใ€‚ๅ‚็…งใ—ใฆใใ ใ•ใ„ใ€‚ ใ‚ใชใŸใŒใใ‚Œใ‚’่กŒใ†ใ“ใจใŒใงใใ‚Œใฐใ€‚ ใใ†ใ ใจใ„ใ„ใ€‚ ใ•ใ‚ˆใ†ใชใ‚‰ใ€‚
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ใ“ใฎใ‚ตใ‚คใƒˆใงใฏ่‹ฑ่ชžๅญฆ็ฟ’ใซๅฝน็ซ‹ใคYouTubeๅ‹•็”ปใ‚’็ดนไป‹ใ—ใพใ™ใ€‚ไธ–็•Œไธญใฎไธ€ๆต่ฌ›ๅธซใซใ‚ˆใ‚‹่‹ฑ่ชžใƒฌใƒƒใ‚นใƒณใ‚’่ฆ‹ใ‚‹ใ“ใจใŒใงใใพใ™ใ€‚ๅ„ใƒ“ใƒ‡ใ‚ชใฎใƒšใƒผใ‚ธใซ่กจ็คบใ•ใ‚Œใ‚‹่‹ฑ่ชžๅญ—ๅน•ใ‚’ใƒ€ใƒ–ใƒซใ‚ฏใƒชใƒƒใ‚ฏใ™ใ‚‹ใจใ€ใใ“ใ‹ใ‚‰ใƒ“ใƒ‡ใ‚ชใ‚’ๅ†็”Ÿใ™ใ‚‹ใ“ใจใŒใงใใพใ™ใ€‚ๅญ—ๅน•ใฏใƒ“ใƒ‡ใ‚ชใฎๅ†็”ŸใจๅŒๆœŸใ—ใฆใ‚นใ‚ฏใƒญใƒผใƒซใ—ใพใ™ใ€‚ใ”ๆ„่ฆ‹ใƒปใ”่ฆๆœ›ใŒใ”ใ–ใ„ใพใ—ใŸใ‚‰ใ€ใ“ใกใ‚‰ใฎใŠๅ•ใ„ๅˆใ‚ใ›ใƒ•ใ‚ฉใƒผใƒ ใ‚ˆใ‚Šใ”้€ฃ็ตกใใ ใ•ใ„ใ€‚

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