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

356,118 views ใƒป 2015-02-11

English with Ronnie


์•„๋ž˜ ์˜๋ฌธ์ž๋ง‰์„ ๋”๋ธ”ํด๋ฆญํ•˜์‹œ๋ฉด ์˜์ƒ์ด ์žฌ์ƒ๋ฉ๋‹ˆ๋‹ค. ๋ฒˆ์—ญ๋œ ์ž๋ง‰์€ ๊ธฐ๊ณ„ ๋ฒˆ์—ญ๋ฉ๋‹ˆ๋‹ค.

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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์•ˆ๋…•ํ•˜์„ธ์š”. ์ œ ์ด๋ฆ„์€ ๋กœ๋‹ˆ์ž…๋‹ˆ๋‹ค. ์ง๋ถˆ์นด๋“œ ๋˜๋Š” ์‹ ์šฉ์นด๋“œ๋กœ ๊ฒฐ์ œํ•˜๋Š” ๋ฐฉ๋ฒ•์— ๋Œ€ํ•œ ๊ฐ•์˜์— ์˜ค์‹  ๊ฒƒ์„ ํ™˜์˜ํ•ฉ๋‹ˆ๋‹ค
00:07
card. One thing that might be a little bit difficult when you're shopping is understanding
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. ์‡ผํ•‘ํ•  ๋•Œ ์กฐ๊ธˆ ์–ด๋ ค์šธ ์ˆ˜ ์žˆ๋Š” ํ•œ ๊ฐ€์ง€๋Š”
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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์€ํ–‰ ์นด๋“œ, ์ง๋ถˆ ์นด๋“œ ๋˜๋Š” ์‹ ์šฉ
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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์นด๋“œ๋กœ ์ง€๋ถˆํ•˜๋ ค๊ณ  ํ•  ๋•Œ ๊ธฐ๊ณ„๊ฐ€ ๋งํ•˜๋Š” ๊ฒƒ์„ ์ดํ•ดํ•˜๋Š” ๊ฒƒ์ž…๋‹ˆ๋‹ค. ์˜ˆ๋ฅผ ๋“ค์–ด ์ด๊ฒƒ์€ ์‹ ์šฉ ์นด๋“œ์ž…๋‹ˆ๋‹ค. ๊ทธ๋ ‡์ง€๋Š” ์•Š์ง€๋งŒ ์ถฉ๋ถ„ํ•  ๊ฒƒ์ž…๋‹ˆ๋‹ค. ํ• ๊ฑฐ์•ผ.
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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๊ทธ๋ž˜์„œ ์ด๊ฒƒ์€ ์‹ค์ œ๋กœ ์˜ํ™”์— ๋Œ€ํ•œ ํฌ์ธํŠธ ์นด๋“œ์ž…๋‹ˆ๋‹ค. ์˜ํ™” ๋ณด๋Ÿฌ ๊ฐ€๊ณ  ์‹ถ๋‹ค๋ฉด
00:35
a Scene card. And if you spend lots of money in the movie theater,
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์žฅ๋ฉด ์นด๋“œ๋ฅผ ์–ป์„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ๊ทธ๋ฆฌ๊ณ  ์˜ํ™”๊ด€์—์„œ ๋ˆ์„ ๋งŽ์ด ์“ฐ๋ฉด
00:40
you can watch a movie for free.
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๊ณต์งœ๋กœ ์˜ํ™”๋ฅผ ๋ณผ ์ˆ˜ ์žˆ๋‹ค.
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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๊ทธ ์‚ฌ๋žŒ์ด ํ•  ์ฒซ ๋ฒˆ์งธ ์ผ์€ ๋‹น์‹ ์—๊ฒŒ ๊ธฐ๊ณ„๋ฅผ ์ค„ ๊ฒƒ์ž…๋‹ˆ๋‹ค.
00:48
or a machine will be at the checkout or the cash register. Oh, hi, machine. The very,
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๊ทธ๋ ‡์ง€ ์•Š์œผ๋ฉด ๊ธฐ๊ณ„๋Š” ๊ณ„์‚ฐ๋Œ€๋‚˜ ๊ณ„์‚ฐ๋Œ€์— ์žˆ์„ ๊ฒƒ์ž…๋‹ˆ๋‹ค . ์˜ค, ์•ˆ๋…•, ๊ธฐ๊ณ„.
00:54
very first thing that the machine will say -- it will say, "Swipe or insert". These are
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๊ธฐ๊ณ„๊ฐ€ ๊ฐ€์žฅ ๋จผ์ € ๋งํ•˜๋Š” ๊ฒƒ์€ "์Šค์™€์ดํ”„ ๋˜๋Š” ์‚ฝ์ž…"์ด๋ผ๊ณ  ๋งํ•  ๊ฒƒ์ž…๋‹ˆ๋‹ค. ์ด๋“ค์€
01:02
verbs. The first verb, "swipe" -- what you have to do is you have to take the black strip
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๋™์‚ฌ์ž…๋‹ˆ๋‹ค. ์ฒซ ๋ฒˆ์งธ ๋™์‚ฌ์ธ "swipe"๋Š” ๊ฒ€์€์ƒ‰ ์ŠคํŠธ๋ฆฝ์„ ๊ฐ€์ ธ๊ฐ€์•ผ ํ•œ๋‹ค๋Š” ๊ฒƒ์ž…๋‹ˆ๋‹ค.
01:08
-- and "swipe" means to quickly push it through or pull it through a machine. So you're going
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๊ทธ๋ฆฌ๊ณ  "swipe"๋Š” ๊ธฐ๊ณ„๋ฅผ ํ†ตํ•ด ๋น ๋ฅด๊ฒŒ ๋ฐ€๊ฑฐ๋‚˜ ๋‹น๊ธฐ๋Š” ๊ฒƒ์„ ์˜๋ฏธํ•ฉ๋‹ˆ๋‹ค . ๊ทธ๋ž˜์„œ ์—ฌ๋Ÿฌ๋ถ„์€
01:13
to be, like -- you can make this noise if you want.
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์ด๋ ‡๊ฒŒ ๋  ๊ฒƒ์ž…๋‹ˆ๋‹ค. ์›ํ•œ๋‹ค๋ฉด ์ด ์†Œ์Œ์„ ๋‚ผ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.
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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์ž, ํ•ญ์ƒ ์ €๋ฅผ ํ˜ผ๋ž€์Šค๋Ÿฝ๊ฒŒ ํ•˜๋Š” ๊ฒƒ์€ ๋•Œ๋•Œ๋กœ ์นด๋“œ๋ฅผ ๋„ฃ์–ด์•ผ
01:24
the black stripe is towards me. Some machines, you have to put it so that the black stripe
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๊ฒ€์€์ƒ‰ ์ค„๋ฌด๋Šฌ๊ฐ€ ์ €๋ฅผ ํ–ฅํ•˜๊ฒŒ ํ•œ๋‹ค๋Š” ๊ฒƒ์ž…๋‹ˆ๋‹ค. ์–ด๋–ค ๊ธฐ๊ณ„๋Š” ๊ฒ€์€ ์ค„๋ฌด๋Šฌ๊ฐ€
01:30
is away from you. The people never tell you, and you -- what's happening? Other way. Thanks.
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๋‹น์‹ ์—๊ฒŒ์„œ ๋ฉ€์–ด์ง€๋„๋ก ๋†“์•„์•ผ ํ•ฉ๋‹ˆ๋‹ค. ์‚ฌ๋žŒ๋“ค์€ ๋‹น์‹ ์—๊ฒŒ ์ ˆ๋Œ€ ๋งํ•˜์ง€ ์•Š์Šต๋‹ˆ๋‹ค. ๊ทธ๋ฆฌ๊ณ  ๋‹น์‹ ์€ -- ๋ฌด์Šจ ์ผ์ด ์ผ์–ด๋‚˜๊ณ  ์žˆ๋‚˜์š”? ๋‹ค๋ฅธ ๋ฐฉ๋ฒ•. ๊ฐ์‚ฌํ•ด์š”.
01:40
So maybe you are able to swipe your card. Perfect. So you're going to -- verb -- "swipe"
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๋”ฐ๋ผ์„œ ์นด๋“œ๋ฅผ ์Šค ์™€์ดํ”„ ํ•  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ์™„๋ฒฝํ•œ. ๊ทธ๋ž˜์„œ ๋‹น์‹ ์€ -- ๋™์‚ฌ -- ์นด๋“œ๋ฅผ "์Šค ์™€์ดํ”„"ํ•  ๊ฒƒ์ž…๋‹ˆ๋‹ค
01:47
the card.
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.
01:48
The other option, "insert" -- this card does not have one, but this is card a "chip". It's
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๋‹ค๋ฅธ ์˜ต์…˜์ธ "์‚ฝ์ž…" -- ์ด ์นด๋“œ์—๋Š” ์นด๋“œ๊ฐ€ ์—†์ง€๋งŒ ์ด ์นด๋“œ๋Š” "์นฉ"์ž…๋‹ˆ๋‹ค. ๋งˆ์น˜
01:55
like a microchip. And you actually insert or put the card into the bottom of the machine.
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๋งˆ์ดํฌ๋กœ์นฉ๊ณผ ๊ฐ™์Šต๋‹ˆ๋‹ค. ๊ทธ๋ฆฌ๊ณ  ์‹ค์ œ๋กœ ๊ธฐ๊ณ„ ๋ฐ”๋‹ฅ์— ์นด๋“œ๋ฅผ ๋„ฃ๊ฑฐ๋‚˜ ๋„ฃ์Šต๋‹ˆ๋‹ค.
02:02
So "swipe" means to do this action. I don't know how to spell [swipe sound] -- but "insert"
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๋”ฐ๋ผ์„œ "์Šค์™€์ดํ”„"๋Š” ์ด ์ž‘์—…์„ ์ˆ˜ํ–‰ํ•˜๋Š” ๊ฒƒ์„ ์˜๋ฏธํ•ฉ๋‹ˆ๋‹ค. [์Šค์™€์ดํ”„ ์†Œ๋ฆฌ]์˜ ์ฒ ์ž๋Š” ๋ชจ๋ฅด์ง€๋งŒ "์‚ฝ์ž…"์€
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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๊ฝ‚๋‹ค, ๋„ฃ๋‹ค๋ผ๋Š” ๋œป์ž…๋‹ˆ๋‹ค. ๋”ฐ๋ผ์„œ ์‹ค์ œ๋กœ ์นด๋“œ๋ฅผ ๊ธฐ๊ณ„์— ๋„ฃ๊ฑฐ๋‚˜
02:17
put your card in the machine.
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์นด๋“œ๋ฅผ ๊ธฐ๊ณ„์— ๋„ฃ์„ ๊ฒƒ์ž…๋‹ˆ๋‹ค.
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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๋‹ค์Œ์— ์ผ์–ด๋‚  ์ผ์€ ์นด๋“œ๊ฐ€ ์‚ฝ์ž…๋œ ๊ฒฝ์šฐ ๊ธฐ๊ณ„์— ์นด๋“œ๋ฅผ ๋ณด๊ด€ํ•ด์•ผ ํ•œ๋‹ค๋Š” ๊ฒƒ์ž…๋‹ˆ๋‹ค
02:26
inserted. If it's swiped, you usually take your card back. They're going to ask you to
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. ์Šค ์™€์ดํ”„ํ•˜๋ฉด ์ผ๋ฐ˜์ ์œผ๋กœ ์นด๋“œ๋ฅผ ๋‹ค์‹œ ๊ฐ€์ ธ๊ฐ‘๋‹ˆ๋‹ค. ๊ทธ๋“ค์€ ๋‹น์‹ ์—๊ฒŒ
02:33
verify the amount. So on the little computer screen, it'll say, "Amount: $42.75 Ok?" It's
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๊ธˆ์•ก์„ ํ™•์ธํ•˜๋„๋ก ์š”์ฒญํ•  ๊ฒƒ์ž…๋‹ˆ๋‹ค. ์ž‘์€ ์ปดํ“จํ„ฐ ํ™”๋ฉด์— "Amount: $42.75 Ok?"๋ผ๊ณ  ํ‘œ์‹œ๋ฉ๋‹ˆ๋‹ค.
02:41
your chance to press the "ok" button. Now, if you decide that maybe the price is wrong
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"ํ™•์ธ" ๋ฒ„ํŠผ์„ ๋ˆ„๋ฅผ ์ˆ˜ ์žˆ๋Š” ๊ธฐํšŒ์ž…๋‹ˆ๋‹ค. ์ด์ œ ๊ฐ€๊ฒฉ์ด ์ž˜๋ชป๋˜์—ˆ๊ฑฐ๋‚˜
02:48
or the person has typed it in wrong, you have to option to press "cancel". "Cancel" means
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์‚ฌ๋žŒ์ด ์ž˜๋ชป ์ž…๋ ฅํ–ˆ๋‹ค๊ณ  ํŒ๋‹จ๋˜๋ฉด "์ทจ์†Œ"๋ฅผ ๋ˆ„๋ฅด๋Š” ์˜ต์…˜์„ ์„ ํƒํ•ด์•ผ ํ•ฉ๋‹ˆ๋‹ค. "์ทจ์†Œ"๋Š” ์•„๋‹ˆ์˜ค๋ฅผ ์˜๋ฏธํ•ฉ๋‹ˆ๋‹ค
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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. ๊ทธ๋Ÿฐ ์ผ์€ ์—†์„ ๊ฒƒ์ด๋‹ค. ์•„๋ƒ ๋ฏธ์•ˆํ•ด. "ํ™•์ธ"์€ "์˜ˆ"๋ฅผ ์˜๋ฏธํ•ฉ๋‹ˆ๋‹ค. "$42.75
03:04
Ok?" You then press "Ok".
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Ok?" ๊ธˆ์•ก์ด ํ‘œ์‹œ๋ฉ๋‹ˆ๋‹ค. ๊ทธ๋Ÿฐ ๋‹ค์Œ "ํ™•์ธ"์„ ๋ˆ„๋ฆ…๋‹ˆ๋‹ค.
03:08
The next screen that will come up will look like this: "Che Sav". What is "Che Sav"? These
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๋‹ค์Œ ํ™”๋ฉด์€ "Che Sav"์™€ ๊ฐ™์ด ํ‘œ์‹œ๋ฉ๋‹ˆ๋‹ค. "์ฒด ์‚ฌ๋ธŒ"๋ž€ ๋ฌด์—‡์ž…๋‹ˆ๊นŒ? ์ด๋“ค์€ ์ „ ์„ธ๊ณ„์ ์œผ๋กœ ๊ณตํ†ต์ ์œผ๋กœ ์‚ฌ์šฉ๋˜๋Š”
03:16
are two different kinds of bank accounts that are common around the world. The first one
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๋‘ ๊ฐ€์ง€ ์ข…๋ฅ˜์˜ ์€ํ–‰ ๊ณ„์ขŒ์ž…๋‹ˆ๋‹ค . ์ฒซ ๋ฒˆ์งธ
03:22
is "chequing", and the second one is "savings". Now, a chequing account means that you can
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๋Š” "์ˆ˜ํ‘œ"์ด๊ณ  ๋‘ ๋ฒˆ์งธ๋Š” "์ €์ถ•"์ž…๋‹ˆ๋‹ค. ์ด์ œ ๋‹น์ขŒ ์˜ˆ๊ธˆ ๊ณ„์ขŒ๋Š” ์ˆ˜ํ‘œ๋ฅผ ์“ธ ์ˆ˜ ์žˆ์Œ์„ ์˜๋ฏธํ•ฉ๋‹ˆ๋‹ค
03:31
write cheques. Cheques are like paper money. If you ever have to pay rent, you're going
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. ์ˆ˜ํ‘œ๋Š” ์ง€ํ์™€ ๊ฐ™์Šต๋‹ˆ๋‹ค. ์ง‘์„ธ๋ฅผ ๋‚ด์•ผ ํ•œ๋‹ค๋ฉด
03:38
to use a cheque. A savings account -- more like a spending account -- is you can't write
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์ˆ˜ํ‘œ๋ฅผ ์‚ฌ์šฉํ•˜๊ฒŒ ๋  ๊ฒƒ์ž…๋‹ˆ๋‹ค. ์ง€์ถœ ๊ณ„์ขŒ์™€ ์œ ์‚ฌํ•œ ์ €์ถ• ๊ณ„์ขŒ๋Š” ์ˆ˜ํ‘œ๋ฅผ ๋ฐœํ–‰ํ•  ์ˆ˜ ์—†์Šต๋‹ˆ๋‹ค
03:45
cheques through it. They're usually cheaper and more efficient in banks than a chequing
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. ๊ทธ๋“ค์€ ์ผ๋ฐ˜์ ์œผ๋กœ ์ˆ˜ํ‘œ ๊ณ„์ขŒ๋ณด๋‹ค ์€ํ–‰์—์„œ ๋” ์ €๋ ดํ•˜๊ณ  ํšจ์œจ์ ์ž…๋‹ˆ๋‹ค
03:50
account. Some people have two bank accounts. Maybe you have a chequing account and a savings
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. ์–ด๋–ค ์‚ฌ๋žŒ๋“ค์€ ๋‘ ๊ฐœ์˜ ์€ํ–‰ ๊ณ„์ขŒ๋ฅผ ๊ฐ€์ง€๊ณ  ์žˆ์Šต๋‹ˆ๋‹ค. ๋‹น์ขŒ ์˜ˆ๊ธˆ ๊ณ„์ขŒ์™€ ์ €์ถ• ๊ณ„์ขŒ๊ฐ€ ์žˆ์„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค
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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. ๊ทธ๋ฆฌ๊ณ  ์ด ์ค‘ ํ•˜๋‚˜์— ์ผ์ • ๊ธˆ์•ก์„ ๋ณด๊ด€ํ•ด์•ผ ํ•  ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค . ๋”ฐ๋ผ์„œ
04:03
to choose which account your money comes out of.
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๋ˆ์ด ๋‚˜์˜ค๋Š” ๊ณ„์ขŒ๋ฅผ ์„ ํƒํ•  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.
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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๋‹ค์Œ ๋‹จ๊ณ„๋Š” " ํ•€ ์ž…๋ ฅ"์ž…๋‹ˆ๋‹ค. ํ•€? ์•ˆ์ „ํ•€? "ํ•€"์ด ๋ฌด์—‡์ธ๊ฐ€์š”? ๊ท€ํ•˜์˜
04:12
"pin" is your "personal identity number". So it's usually for numbers. Mine is "777"
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"ํ•€"์€ ๊ท€ํ•˜์˜ "๊ฐœ์ธ ์‹๋ณ„ ๋ฒˆํ˜ธ"์ž…๋‹ˆ๋‹ค. ๊ทธ๋ž˜์„œ ์ผ๋ฐ˜์ ์œผ๋กœ ์ˆซ์ž์ž…๋‹ˆ๋‹ค. ์ œ ๊ฒƒ์€ "777"์ž…๋‹ˆ๋‹ค
04:22
-- oh, no. Not going to tell you. Enter your pin number. So you put in your pin number.
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-- ์•„, ์•„๋‹™๋‹ˆ๋‹ค. ๋‹น์‹ ์—๊ฒŒ ๋งํ•˜์ง€ ์•Š์„ ๊ฒƒ์ž…๋‹ˆ๋‹ค. ํ•€ ๋ฒˆํ˜ธ๋ฅผ ์ž…๋ ฅํ•˜์„ธ์š”. ๊ทธ๋ž˜์„œ ํ•€๋ฒˆํ˜ธ๋ฅผ ์ž…๋ ฅํ•ฉ๋‹ˆ๋‹ค.
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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์ž, ๊ฐ€๋” ์ด๋Ÿฐ ์ผ์ด ์ €์—๊ฒŒ ๋งŽ์ด ์ผ์–ด๋‚ฉ๋‹ˆ๋‹ค. ์นด๋“œ๋ฅผ ๊ธ๊ฑฐ๋‚˜ ์‚ฝ์ž…ํ•˜๋ ค๊ณ  ํ•˜๋ฉด
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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๊ทธ ์‚ฌ๋žŒ์—๊ฒŒ ๋งํ•ด์•ผ ํ•ฉ๋‹ˆ๋‹ค. "๋‚˜๋Š” ์ผ์„ ์•ˆ ํ–ˆ์–ด์š”." ์ฆ‰,
04:50
black band at the back -- it's not being read by the machine. The machine does not understand
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๋’ค์— ์žˆ๋Š” ์ด ๊ฒ€์€์ƒ‰ ๋ ๋Š” ๊ธฐ๊ณ„์—์„œ ์ฝ์ง€ ์•Š๋Š”๋‹ค๋Š” ๋œป์ž…๋‹ˆ๋‹ค. ๊ธฐ๊ณ„๋Š” ์ด๊ฒƒ์„ ์ดํ•ดํ•˜์ง€ ๋ชปํ•ฉ๋‹ˆ๋‹ค
04:56
this. Some people have techniques where they take a piece of paper, and they put the card
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. ์–ด๋–ค ์‚ฌ๋žŒ๋“ค์€ ์ข…์ด ํ•œ ์žฅ์„ ๊ฐ€์ ธ๋‹ค๊ฐ€ ์นด๋“œ๋ฅผ ๋‹ค์‹œ ์ง‘์–ด๋„ฃ๋Š” ๊ธฐ์ˆ ์„ ๊ฐ€์ง€๊ณ  ์žˆ์Šต๋‹ˆ๋‹ค
05:02
through again. If your card is very old or dirty like mine, maybe it doesn't work as
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. ์นด๋“œ๊ฐ€ ๋‚ด ์นด๋“œ์ฒ˜๋Ÿผ ๋งค์šฐ ์˜ค๋ž˜๋˜์—ˆ๊ฑฐ๋‚˜ ๋”๋Ÿฝ๋‹ค๋ฉด ์ž‘๋™ํ•˜์ง€ ์•Š์„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค
05:06
well. That's why the chip is really, really helpful where you insert it in. But anyways,
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. ๊ทธ๋ ‡๊ธฐ ๋•Œ๋ฌธ์— ์นฉ์„ ์–ด๋””์— ์‚ฝ์ž…ํ•˜๋“  ์ •๋ง ์ •๋ง ์œ ์šฉํ•ฉ๋‹ˆ๋‹ค. ํ•˜์ง€๋งŒ ์–ด์จŒ๋“ 
05:13
sometimes, if it doesn't work, you have to start again. Okay?
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๊ฐ€๋” ์ž‘๋™ํ•˜์ง€ ์•Š์œผ๋ฉด ๋‹ค์‹œ ์‹œ์ž‘ํ•ด์•ผ ํ•ฉ๋‹ˆ๋‹ค. ์ข‹์•„์š”?
05:16
So you're going to enter your pin number.
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๊ทธ๋ž˜์„œ ํ•€๋ฒˆํ˜ธ๋ฅผ ์ž…๋ ฅํ•ฉ๋‹ˆ๋‹ค.
05:19
Now, maybe you forget your pin number. It might tell you "wrong pin", so it means, "Mistake!
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์ด์ œ ํ•€ ๋ฒˆํ˜ธ๋ฅผ ์žŠ์–ด๋ฒ„๋ ธ์„ ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค. "์ž˜๋ชป๋œ ํ•€"์ด๋ผ๊ณ  ๋งํ•  ์ˆ˜ ์žˆ์œผ๋ฏ€๋กœ "์‹ค์ˆ˜!
05:28
Oh, no!" It'll say, "Re-enter pin." "Re-enter" means you do the number again. Hopefully,
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์˜ค, ์•ˆ๋ผ!"๋ผ๋Š” ์˜๋ฏธ์ž…๋‹ˆ๋‹ค. "๋น„๋ฐ€๋ฒˆํ˜ธ ๋‹ค์‹œ ์ž…๋ ฅํ•˜์„ธ์š”."๋ผ๊ณ  ํ‘œ์‹œ๋ฉ๋‹ˆ๋‹ค. "์žฌ์ž…๋ ฅ"์€ ๋ฒˆํ˜ธ๋ฅผ ๋‹ค์‹œ ์ž…๋ ฅํ•œ๋‹ค๋Š” ์˜๋ฏธ์ž…๋‹ˆ๋‹ค. ์ž˜๋งŒ๋˜๋ฉด
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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๊ดœ์ฐฎ์Šต๋‹ˆ๋‹ค. ์•„๋งˆ๋„ ๋‹น์‹ ์€ ๊ทธ ์‚ฌ๋žŒ์—๊ฒŒ "์ž˜ ๋˜์ง€ ์•Š์•˜๋‹ค"๊ณ  ๋งํ•  ํ•„์š”๊ฐ€ ์žˆ์„ ๊ฒƒ์ด๋‹ค. ๊ทธ๋ž˜์„œ ๊ทธ๋“ค์€ ๊ฑฐ๋ž˜๋ฅผ ์ทจ์†Œํ•ด์•ผ ํ•ฉ๋‹ˆ๋‹ค
05:48
transaction. You get to do it again. Hopefully, your pin has worked because you remember it.
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. ๋‹น์‹ ์€ ๊ทธ๊ฒƒ์„ ๋‹ค์‹œ ํ•  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ํ•€์„ ๊ธฐ์–ตํ•˜๊ณ  ์žˆ๊ธฐ ๋•Œ๋ฌธ์— ํ•€์ด ์ œ๋Œ€๋กœ ์ž‘๋™ํ–ˆ์œผ๋ฉด ํ•ฉ๋‹ˆ๋‹ค.
05:56
You enter your pin number. And most machines, at the end of the pin number, you have to
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ํ•€๋ฒˆํ˜ธ๋ฅผ ์ž…๋ ฅํ•ฉ๋‹ˆ๋‹ค. ๊ทธ๋ฆฌ๊ณ  ๋Œ€๋ถ€๋ถ„์˜ ๊ธฐ๊ณ„๋Š” ํ•€ ๋ฒˆํ˜ธ ๋์—
06:02
press "ok". Then, all the magic happens. All the money comes out of your account. And you'll
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"ํ™•์ธ"์„ ๋ˆŒ๋Ÿฌ์•ผ ํ•ฉ๋‹ˆ๋‹ค. ๊ทธ๋Ÿฌ๋ฉด ๋ชจ๋“  ๋งˆ๋ฒ•์ด ์ผ์–ด๋‚ฉ๋‹ˆ๋‹ค. ๋ชจ๋“  ๋ˆ์€ ๋‹น์‹ ์˜ ๊ณ„์ขŒ์—์„œ ๋‚˜์˜ต๋‹ˆ๋‹ค. ๊ทธ๋Ÿฌ๋ฉด
06:09
get a message that says, "Processing. Do not remove card." This means don't take your card
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"์ฒ˜๋ฆฌ ์ค‘์ž…๋‹ˆ๋‹ค. ์นด๋“œ๋ฅผ ์ œ๊ฑฐํ•˜์ง€ ๋งˆ์‹ญ์‹œ์˜ค."๋ผ๋Š” ๋ฉ”์‹œ์ง€๊ฐ€ ํ‘œ์‹œ๋ฉ๋‹ˆ๋‹ค . ์ฆ‰, ์นด๋“œ๊ฐ€
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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์‚ฝ์ž…๋˜์–ด ์žˆ์œผ๋ฉด ๋นผ์ง€ ๋งˆ์‹ญ์‹œ์˜ค. ์Šค ์™€์ดํ”„ ์นด๋“œ๋ผ๋ฉด ๋ฌธ์ œ ์—†์Šต๋‹ˆ๋‹ค. ๊ทธ๋Ÿฌ๋‚˜
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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์ฒ˜๋ฆฌ ์ค‘์— ์นด๋“œ๋ฅผ ๊บผ๋‚ด๋ฉด ์ž‘๋™ํ•œ๋‹ค๋Š” ์˜๋ฏธ์ž…๋‹ˆ๋‹ค. ๊ทธ๊ฒƒ์€ ๋‹น์‹ ์˜ ์€ํ–‰ ๊ณ„์ขŒ์—์„œ ๋‹น์‹ ์˜ ๋ˆ์„ ์ธ์ถœํ•˜๊ณ  ์žˆ์Šต๋‹ˆ๋‹ค.
06:31
You can't remove it. Okay? You have to wait until you get this message. It'll say,
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์ œ๊ฑฐํ•  ์ˆ˜ ์—†์Šต๋‹ˆ๋‹ค. ์ข‹์•„์š”? ์ด ๋ฉ”์‹œ์ง€๋ฅผ ๋ฐ›์„ ๋•Œ๊นŒ์ง€ ๊ธฐ๋‹ค๋ ค์•ผ ํ•ฉ๋‹ˆ๋‹ค.
06:38
"Transaction complete" or "completed". "Remove card. I don't have to tell you how important this
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"๊ฑฐ๋ž˜ ์™„๋ฃŒ" ๋˜๋Š” "์™„๋ฃŒ"๋ผ๊ณ  ํ‘œ์‹œ๋ฉ๋‹ˆ๋‹ค. "์นด๋“œ๋ฅผ ์ œ๊ฑฐํ•˜์„ธ์š” . ์ด๊ฒƒ์ด ์–ผ๋งˆ๋‚˜ ์ค‘์š”ํ•œ์ง€ ๋งํ•  ํ•„์š”๊ฐ€ ์—†์Šต๋‹ˆ๋‹ค
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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. ์นด๋“œ๋ฅผ ์ œ๊ฑฐํ•˜๋Š” ๊ฒƒ์„ ๋‘ ๋ฒˆ ์žŠ์—ˆ์Šต๋‹ˆ๋‹ค. ๊ทธ๋ž˜์„œ ์ง‘์— ๊ฐ€์„œ "์•„, ์•ˆ๋ผ.
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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๋‚ด ์ง๋ถˆ ์นด๋“œ๋Š” ์–ด๋”” ์žˆ์ง€?" ๊ฐ€๊ฒŒ๋กœ ๋Œ์•„๊ฐ€์•ผ ํ–ˆ๊ณ  ๊ฑฐ๊ธฐ์— ์žˆ์—ˆ์Šต๋‹ˆ๋‹ค. ์ •๋ง ์šด์ด ์ข‹์•˜์Šต๋‹ˆ๋‹ค. ๊ทธ๋Ÿฐ ์ผ์ด ๋‘ ๋ฒˆ
07:06
that's happened. How many times has it happened to you?
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์ผ์–ด๋‚ฌ์Šต๋‹ˆ๋‹ค. ๋‹น์‹ ์€ ๋ช‡ ๋ฒˆ์ด๋‚˜ ๊ทธ๋Ÿฐ ์ผ์ด ์žˆ์—ˆ์Šต๋‹ˆ๊นŒ?
07:10
Using a credit card is almost exactly the same idea. You're going to swipe it or insert
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์‹ ์šฉ ์นด๋“œ๋ฅผ ์‚ฌ์šฉํ•˜๋Š” ๊ฒƒ์€ ๊ฑฐ์˜ ๊ฐ™์€ ์ƒ๊ฐ์ž…๋‹ˆ๋‹ค. ์Šค์™€์ดํ”„ํ•˜๊ฑฐ๋‚˜ ์‚ฝ์ž…ํ•  ๊ฒƒ์ž…๋‹ˆ๋‹ค
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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. ๊ธˆ์•ก์„ ๋ฌป์Šต๋‹ˆ๋‹ค. ์‹ ์šฉ ์นด๋“œ๋ฅผ ์‚ฌ์šฉํ•  ๋•Œ
07:22
chequing or savings option. But you will probably have to enter a pin number. It'll tell you
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์ˆ˜ํ‘œ ๋˜๋Š” ์ €์ถ• ์˜ต์…˜์ด ์—†์Šต๋‹ˆ๋‹ค. ํ•˜์ง€๋งŒ ํ•€ ๋ฒˆํ˜ธ๋ฅผ ์ž…๋ ฅํ•ด์•ผ ํ•  ๊ฒƒ์ž…๋‹ˆ๋‹ค.
07:29
again, "Processing", and then, "Transaction complete."
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๋‹ค์‹œ "์ฒ˜๋ฆฌ ์ค‘"์ด๋ผ๊ณ  ๋งํ•œ ๋‹ค์Œ "๊ฑฐ๋ž˜ ์™„๋ฃŒ"๋ผ๊ณ  ๋งํ•ฉ๋‹ˆ๋‹ค.
07:33
Some banks offer an option called "tap and go" or "pay as you go" where you just touch
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์ผ๋ถ€ ์€ํ–‰์—์„œ๋Š” "ํƒญ ์•ค ๊ณ " ๋˜๋Š” "๊ฐ€๋Š” ๋Œ€๋กœ ์ง€๋ถˆ"์ด๋ผ๋Š” ์˜ต์…˜์„ ์ œ๊ณตํ•˜์—ฌ
07:40
the credit card to a censor, and it subtracts money from your bank account.
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์‹ ์šฉ ์นด๋“œ๋ฅผ ๊ฒ€์—ด๊ด€์— ๊ฐ–๋‹ค ๋Œ€๊ธฐ๋งŒ ํ•˜๋ฉด ์นด๋“œ ์—์„œ ๊ธˆ์•ก์ด ์ฐจ๊ฐ๋ฉ๋‹ˆ๋‹ค. ๋‹น์‹ ์˜ ์€ํ–‰ ๊ณ„์ขŒ์ž…๋‹ˆ๋‹ค.
07:45
I don't trust that one.
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์ €๋Š” ๊ทธ๊ฒƒ์„ ๋ฏฟ์ง€ ์•Š์Šต๋‹ˆ๋‹ค.
07:48
Another thing -- a very bad thing, a very tragic thing that could happen when you are
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๋˜ ๋‹ค๋ฅธ ๋ฌธ์ œ๋Š” ์ง๋ถˆ์นด๋“œ๋‚˜ ์‹ ์šฉ์นด๋“œ๋กœ ์ง€๋ถˆํ•  ๋•Œ ๋ฐœ์ƒํ•  ์ˆ˜ ์žˆ๋Š” ๋งค์šฐ ์•ˆ ์ข‹์€ ์ผ, ๋งค์šฐ ๋น„๊ทน์ ์ธ ์ผ์ž…๋‹ˆ๋‹ค.
07:55
paying with your debit or your credit card is you could get a message -- instead of it
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๋Œ€์‹  ๋ฉ”์‹œ์ง€๋ฅผ ๋ฐ›์„ ์ˆ˜ ์žˆ๋‹ค๋Š” ๊ฒƒ์ž…๋‹ˆ๋‹ค.
08:01
saying, "Transaction complete. Remove card", you could get one of these ones. This one
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"๊ฑฐ๋ž˜์™„๋ฃŒ. ์นด๋“œ ์ œ๊ฑฐ", ๋‹ค์Œ ์ค‘ ํ•˜๋‚˜๋ฅผ ์–ป์„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ์ด๊ฒƒ์€
08:09
says, "Incomplete transaction. Please try again." An "incomplete transaction" means
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"๋ถˆ์™„์ „ํ•œ ๊ฑฐ๋ž˜์ž…๋‹ˆ๋‹ค. ๋‹ค์‹œ ์‹œ๋„ํ•˜์‹ญ์‹œ์˜ค ." "๋ถˆ์™„์ „ํ•œ ๊ฑฐ๋ž˜"๋Š”
08:17
it did not work. There was a problem. There could have been a problem with your chequing
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์ž‘๋™ํ•˜์ง€ ์•Š์•˜๋‹ค๋Š” ์˜๋ฏธ์ž…๋‹ˆ๋‹ค. ๋ฌธ์ œ๊ฐ€ ์žˆ์—ˆ์Šต๋‹ˆ๋‹ค. ์ˆ˜ํ‘œ๋‚˜ ์˜ˆ๊ธˆ์— ๋ฌธ์ œ๊ฐ€ ์žˆ์—ˆ์„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค
08:23
or savings. You could've entered the wrong pin number. Many mistakes happen. And maybe
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. ํ•€ ๋ฒˆํ˜ธ๋ฅผ ์ž˜๋ชป ์ž…๋ ฅํ–ˆ์„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค . ๋งŽ์€ ์‹ค์ˆ˜๊ฐ€ ๋ฐœ์ƒํ•ฉ๋‹ˆ๋‹ค. ๊ทธ๋ฆฌ๊ณ 
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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์•„๋งˆ๋„ ๋‹น์‹  ์ž˜๋ชป์ด ์•„๋‹ˆ์—ˆ์Šต๋‹ˆ๋‹ค. ์•„๋งˆ๋„ ์€ํ–‰์˜ ์ž˜๋ชป์ด์—ˆ์„ ๊ฒƒ์ž…๋‹ˆ๋‹ค. ๊ทธ๋Ÿฌ๋ฉด "๋‹ค์‹œ ์‹œ๋„ํ•˜์‹ญ์‹œ์˜ค."๋ผ๋Š” ๋ฉ”์‹œ์ง€๊ฐ€ ํ‘œ์‹œ๋  ๊ฒƒ์ž…๋‹ˆ๋‹ค. ์•„์‹œ์ฃ 
08:34
what? You probably would have to enter "chequing or savings" again and your pin number.
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? ์•„๋งˆ "์ˆ˜ํ‘œ ๋˜๋Š” ์ €์ถ•"์„ ๋‹ค์‹œ ์ž…๋ ฅํ•˜๊ณ  ํ•€ ๋ฒˆํ˜ธ๋ฅผ ์ž…๋ ฅํ•ด์•ผ ํ•  ๊ฒƒ์ž…๋‹ˆ๋‹ค.
08:42
One of them -- and the last one that I will teach you today -- is a very, very terrible
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๊ทธ ์ค‘ ํ•˜๋‚˜๋Š” -- ๊ทธ๋ฆฌ๊ณ  ์ œ๊ฐ€ ์˜ค๋Š˜ ์—ฌ๋Ÿฌ๋ถ„์—๊ฒŒ ๋งˆ์ง€๋ง‰์œผ๋กœ ๊ฐ€๋ฅด์น  ๊ฒƒ์€ ์•„์ฃผ ์•„์ฃผ ๋”์ฐํ•œ ๊ฒƒ์ž…๋‹ˆ๋‹ค
08:48
one. The horror, the shock! It is called "insufficient funds" "insufficient funds" means there's
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๊ณตํฌ, ์ถฉ๊ฒฉ์ž…๋‹ˆ๋‹ค! " ์ž๊ธˆ ๋ถ€์กฑ"์ด๋ผ๊ณ  ํ•ฉ๋‹ˆ๋‹ค "์ž๊ธˆ ๋ถ€์กฑ"์€
08:58
no money in your bank account, so the transaction would be incomplete. You don't have enough
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์€ํ–‰ ๊ณ„์ขŒ์— ๋ˆ์ด ์—†๋‹ค๋Š” ๊ฒƒ์„ ์˜๋ฏธํ•ฉ๋‹ˆ๋‹ค. ๋ถˆ์™„์ „ํ•ด์•ผ ํ•ฉ๋‹ˆ๋‹ค.
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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์€ํ–‰ ๊ณ„์ขŒ์— ์‚ฌ๊ณ  ์‹ถ์€ ๊ฒƒ์„ ์ง€๋ถˆํ•  ์ถฉ๋ถ„ํ•œ ๋ˆ์ด ์—†์Šต๋‹ˆ๋‹ค . ๊ทธ๊ฒƒ์€ ๊ท€ํ•˜
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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์™€ ๊ท€ํ•˜์˜ ์€ํ–‰์˜ ๋ฌธ์ œ์ž…๋‹ˆ๋‹ค. ๊ทธ๋ž˜์„œ ์ œ ์กฐ์–ธ์€ ์ผ์ž๋ฆฌ๋ฅผ ๊ตฌํ•˜๋Š” ๊ฒƒ์ž…๋‹ˆ๋‹ค. ๋ˆ์„ ์ข€ ๋งˆ๋ จํ•˜์„ธ์š”.
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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์‡ผํ•‘ํ•˜๋Ÿฌ ๊ฐ€๊ธฐ ์ „์— ์€ํ–‰ ๊ณ„์ขŒ์— ๋งŽ์ด ์žˆ์Šต๋‹ˆ๋‹ค. ์‡ผํ•‘์„ ์ข‹์•„ํ•œ๋‹ค๋ฉด ๋‹ค์Œ์— ๊ฐˆ ๋•Œ
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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์‹ ์šฉ ์นด๋“œ๋‚˜ ์ง๋ถˆ ์นด๋“œ๋กœ ๊ฒฐ์ œํ•ด ๋ณด์„ธ์š”. ์ฐธ์กฐ ๋‹น์‹ ์ด ๊ทธ๊ฒƒ์„ ํ•  ์ˆ˜ ์žˆ๋‹ค๋ฉด. ๋‚˜๋Š” ํฌ๋งํ•œ๋‹ค. ์•ˆ๋…•ํžˆ ๊ฐ€์„ธ์š”.
์ด ์›น์‚ฌ์ดํŠธ ์ •๋ณด

์ด ์‚ฌ์ดํŠธ๋Š” ์˜์–ด ํ•™์Šต์— ์œ ์šฉํ•œ YouTube ๋™์˜์ƒ์„ ์†Œ๊ฐœํ•ฉ๋‹ˆ๋‹ค. ์ „ ์„ธ๊ณ„ ์ตœ๊ณ ์˜ ์„ ์ƒ๋‹˜๋“ค์ด ๊ฐ€๋ฅด์น˜๋Š” ์˜์–ด ์ˆ˜์—…์„ ๋ณด๊ฒŒ ๋  ๊ฒƒ์ž…๋‹ˆ๋‹ค. ๊ฐ ๋™์˜์ƒ ํŽ˜์ด์ง€์— ํ‘œ์‹œ๋˜๋Š” ์˜์–ด ์ž๋ง‰์„ ๋”๋ธ” ํด๋ฆญํ•˜๋ฉด ๊ทธ๊ณณ์—์„œ ๋™์˜์ƒ์ด ์žฌ์ƒ๋ฉ๋‹ˆ๋‹ค. ๋น„๋””์˜ค ์žฌ์ƒ์— ๋งž์ถฐ ์ž๋ง‰์ด ์Šคํฌ๋กค๋ฉ๋‹ˆ๋‹ค. ์˜๊ฒฌ์ด๋‚˜ ์š”์ฒญ์ด ์žˆ๋Š” ๊ฒฝ์šฐ ์ด ๋ฌธ์˜ ์–‘์‹์„ ์‚ฌ์šฉํ•˜์—ฌ ๋ฌธ์˜ํ•˜์‹ญ์‹œ์˜ค.

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