A: are you ready to go to the bank?

B: sure, what do you need to do there?

A: there’s problem with my bank statement. There’s a mistake on it. I also need to withdraw some money form the ATM.

B: I have to exchange some money.

A: that’s right. You’re going away next week.

B; I also want to see if my salary has been paid into my bank account. There was a problem last week.

A; I have to pay my credit bill too. If I don’t pay it soon, the credit card company will charge me interest.

B: their interest rates are usually quite high. It’s a good idea to pay off your credit card debts before they attract interest.

A; I heard that janet has got a new job. She’s working for the united investment group. I hear that they pay very well.

B; I heard that too. She must be making a pocket. Well, good for her.

A; now, she’ll be able to save up for that holiday in the united states.

B; yes, she will. At the moment, the exchange rate is very favorable, so she should try to go as soon as possible, while it’s cheaper.

A: you’re right. By the way, did you hear that tom inherited some money recently?

B; really? I thought his parents had died several years ago.

A; they did. He inherited the money form an uncle. I hope he doesn’t lose a lot of it in taxed to the government.

B; dying can be very expensive nowadays! What’s he going to do with it?

A; he said that he would probably invest most of it. He’s got a well-paid job, so he doesn’t need the money to cover day-to day expenses. He just wants some extra money available for when he retires.

B: I had some good financial news yesterday too.

A; really? Have you won a fortune in the lottery?

B: no, but I got a pay rise of 5% and a hours for all the hard work I’ve put in recently. I think it was very nice for my boss to show his appreciation in that way.

A; It certainly was! So, what are you going to do with your windfall?