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在此要特e感x班上的美WKaren o我很多的忙, K主猶峁┮恍┤粘５目謖Zo我, 大家看到的S多Y料我都是找她求^的,   其老美很多人也是很嶁牡, 不是?

        @一集的P我碚去I|西r齙降囊恍.   像有些很蔚木渥, 如 Charge or debit? 常使得礱娜擻X得十分地困_, 不知道@句到底在什N|西, 然更ef要正_地回答了! 希望@集PR上要礱娜擻懸c助.

1.Charge or debit?  (Credit or debit?)
使用信用卡或是子X包?
　
Charge (Credit) 指的就是一般我f的信用卡, 信用卡使用上很方便, 但若是]有收入又]有社踩, 是很y申到信用卡的.   而我的提款卡 (ATM 卡) 就是 debit, 它你的支票纛^直接扣X. 一般而言, 只要去有刷卡的地方都@一句, 礱娜順３@句感到莫名奇妙, 不知道@句到底在什N, 其只要了解什N是 charge 什N是 debit, @句就不y了解, 你是使用信用卡是 ATM 卡而回答. 使用信用卡就f charge, 使用 ATM 卡就答 debit.  
2. Cash back?
是否要找回F金?

在美縲刑崢畹氖擲mM是 $1.5,  人的吧? 可是偏偏美屈N大, 你要找到跟l卡y行同一家y行的提款C何容易? 那@是不是意^著每次去提IF金都要哳~的手mM?

其只要你善用 cash back @功能,  那情r就完全不一恿,  cash back 就是f假O你I 10 K的|西, 但刷卡r你可以刷 30 元, 剩下的 20元他矛F金 20 K找你, 如此出T就不必著大P的F金, 又不必哳~的提款手mM.   唯一缺c是有金~限制, 有些店最多可 cash back $50, 有些店只能 cash back $20.  一般的情形是只有 ATM 卡才能 cash back 的, 一般的信用卡是不行的, 但是有些特e的信用卡, 如 Discover, 也有提供 cash back 的功能. 他的c在於不受l卡y行提款C的限制, 我在特m大拿的 ATM 卡到波士D一涌梢 cash back, 而且完全不收手mM, 大家多加利用.

3. How are you going to pay?
你要怎N付款?

不住在美娜, 或是礱娜寺到@句一定X得丈二金摸不著^X.   其@句跟 Charge or debit @句很像, 的就是你要用什N方式付款如信用卡(credit card) 提款卡 (debit card) 或是F金 (cash) 碭.   @句在"子情"@部影中曾出F^,   在男主角去女主角的曩I|西r, 店T就男主角@句, h克就答: cash. 就是付F的意思了.

4. Double coupon.
p重摺r卷.

我想只要在美^一子的人, 都知道利用 coupon 硎″X的道理吧! 所^的 coupon, 就是由u造商所l行的一N折r卷, 如 Save 50c 的 coupon (折r卷)可以你在Yr少付 50c, 然後再由@些商店拿著@些 coupon 去跟u造商QX.

那什N是 double coupon 呢? 就是在美幸患液苡忻 Kroger 的 grocery store. 榱舜黌N, 所推行的一N政策.  他宣Q拿著 50c 的 coupon 去他的店YI|西, 就可以折r 1 元, 折r的金~足足多了一倍.   多N的@ 50c 是 Kroger o客的惠.  但是也有一些限制, 例如,每 coupon 的面~不得超^ 75c, 而且ν右商品, double coupon 只能使用一次.

5. Bring your receipt to the customer service, and they will refund you.
把你的收媒o客服詹, 他就隋Xo你.

美很重消M者嘁嫻, 所以乎每商家, 都一定幸ｉT的 customer service 台. 有任何的}去找他, 他多半o你M意的答覆.  我是X得去超市I|西, 他算eX的比例U高的, 只要lF收嫌腥魏}, 就可以拿著收 customer service 要求退X (refund).

我X得老美也U有人情味的, 有一次我Yr忘了拿T卡出, 以致於多付了六七KX, m然@是我自己的e, 但是我拿著T卡和收ジ customer service f明後, 他是把X退o我. 我X得十分感.

6. I want to take the raincheck for the eggs.
我要拿一u蛋的 raincheck.

有r候某由唐反筇r, 由唐泛芸斕鼐捅豢樟.   @擁那樾穩綣竊諤, 商家一定f, u完了就u完了, 我也]k法. 可是美鬧貧群苡幸饉, @猶r品u完了]PS, 你可以去跟他I一 raincheck. 等到^一段rg後 (也S等到由唐誹rY束了) 你是可以用特rr的rX去I由唐. @擁鬧貧日嫻淖人X得很N心.

所^的 raincheck 指的是球若因雨而延, t球迷可以把入鼉Q成 raincheck, 先保留@票的嗬, 以便日後可以a看球.

7. I am sorry you are on the Cash Only Lane
我很抱歉你F在是在只收F金的Y道上.

Cash Only 故名思x就是只收F金, 其它的什N信用卡, 支票都一律不收.  通常是商家榱嗽隹旖Y的速度所以才O Cash Only Lane. 可是礱r, 聳徑]注意在看, 要是走到@一 lane, 身上的F金又偏偏不r, 那麻┚痛罅, 你就必花 $1.5 的提款手mM去I $20 斫o他, 真是餿.

此外有很多不同的 lane, 例如 Express Lane, 可能是只受理少於十由唐返念客, 之, 要Y前先看清聳揪筒源筇.

8. The price will go down.
@rX檔.

人 go down 跟 go up 很好用, 你不知道用什N釉~, 如 increase 或 surge, 就用 goes up,  像是有一次我去I汽保U, 我一直想他如果我一年中都]有理r, 那明年的保M檔? @降低我就一直想不起硪 decrease 好是 lower 好, Y果後砦也怕他f, "The price will go down." 是不是硨茼. 再f一例子, 比如作r舛壬仙, @上升你可以f increase, 但也可以f,  "The concentration goes up." 硎遣皇且膊誨e?

另外似的口Zv法, 你可以用 rise 跟 drop 澩 go up 和 go down. 例如 "The price will drop."

9. We have a clearance sale today.
我今天清}大拍u.

Clearance sale 算是固定的用法, 就是所^的清}大拍u, 可惜我在美]^ "跳譴笈餒u" 的v法, 不然一定也很有趣.  另外, 我去店Y如果要找@些拍u的商品, 我可以店Tf, "Where can I find the clearance items?" 所^的 clearance item 就是清}, 零a的意思, 或是 odd sizes 也代表零a的意思.

10. Can you give me the invoice?
能不能o我一l票?

常到有人在l票@字的英文怎Nv? 就是 invoice @字啦! 只可惜在美I|西一般都只o收 receipt. 害我少了很多Πl票中大的啡 (人真的是榱訟Ｍ!!) 只有在I大件的|西, 如汽保Ur, 他才o你所^的l票 (invoice)

good job!

please be aware that you pick popular words(vocabulary)as stated above when you type and speech. let's say up-to-date.

chinese-english immediately draws a line.

i don't know everyone requirement.
as i know it helps some people who have interests to widen his knowledge in english.
second, for those quite fresh hand in abroad and have to adpot themselves to local environment immediately.
if you can use those dialog during your life, it helps lot.
even, i have to admit i also learn lots from above bz i sometime can not make it so simple as above.

i strongly recommand administrators 置頂 what bluepolish has posted recently.

why? the dialogs he mades up are live as americans communicate daily.

I returned a sweater six months after I purchased it and was a bit worn out. I placed a phone call and told the customer rep that I don't like the s^tyle and it was all set. I mailed the item and my credit card was charged back two weeks later. My colleagues even had the experience of getting an old cloth (bought a few years earlier and was, believe it or not, completely worn out at the time!) back to L.L.Bean, a privately owned mail-order apperal manufacturer.

(added)
Another colleague of mine told her own story that she used to write letters to complain about the shoes she bought from brand-name manufacturers. She was good at writing so everytime she got a new pair of shoes in later models from the same manufacturer. I guess this is probably the way the manufacturers say "thank you" for the enlightening ideas my colleague put forward in the letters she sent out. Does she know that maybe her ideas worth more than a pair of new shoes?

However, you need to be alerted about the other side of the "return and no questions asked" policy. The "dark" side. What's that? I tell you my story: I once bought a leather jacket and only when I got home to try it again I found scratches and dirts on the edges of sleeves and a few other places. I took it back to the store, complained, the manager apologized and gave my the full credit.

(added)
There is another type of "used" goods that may be sold as new, that is, the goods that have been taken out of the original boxes. These can be the goods that were returned by customers and should have been sent back to the manufacturers, but for some reason did not. Although you can trust that reputable retailers follow their accords with manufacturers, still, it would save alot of trouble later on that you check the packaging, especially the seals outside the box, for the good you want to buy.

When shopping online, for example, at Ebay, you may come across phrases like "factory sealed" and "open-box item". For the former, the seller is giving you a guarantee that the item is as good as the one you can find at your local store for bit-by-bit comparisons while for the latter, the seller does not exclude the possiblity that you may find some minus defects but would look and use just like a new one except that.

In the mid and east, you have Kroger, and in the west you have Vons and Ralph (of course you can name more chain grocery stores) and they all offer double-coupon discounts that allow you to save twice the face value of each coupon. However, goods in these stores tend to have relatively small package size, meaning that you'll have to pay for the packagings which are rather wasted if you normally buy a few packs of the same good at a time. Coastocoast is a distributor-retailer grocery store chain that offers a different kind of conveniences, that is, it sales goods in package sizes two to four times larger. Although it usually doesn't give out as many discounts, the prices of the goods you actually pay are comparable to after the double-coupon elsewhere, thanks to the savings in packaging cost. The downside of this convenience is that you need to pay an annual fee (about US$20 per person) to be eligible for shopping and buying goods in Coastocoast stores.

When you buy groceries and other everyday goods, you will receive a paper slip coming out of a cashier's calculator with printing capabilities. Keep the receipts for a day or two for you may need it as the proof of purchase in order to get a refund, if something went wrong. There are other occasions where you will receive a single page document (sometimes it can contain more pages) with all the details of your purchase on it, such as the name and the model number of the good, the date, your address, your phone number, your credit card number (if you pay with it), and the id of this purchase (the invoice number). When you buy a DVD player or a vacuum cleaner in a department store, order a camera or a computer online, check out a hotel room, book an airline ticket, and return a car you rented, you will receive an invoice of this kind. Keep your invoices at a safe place for later reference (for example, tax auditing).

As you've already known, there is a surcharge for taking out cash (called "cash advance") with your credit card. What's more, the interest charge on the cash you advanced is always on the high end of the range, around 20% annually for most card issuers. Therefore, you must use cash cards for cashing out, from an ATM (automatic teller machine) or a cashier's machine at the checkout of a grocery store.

The caveat here is that many banks charge a transaction fee for routing your requests through the electronic lines within their networks. To aoid this extra cost, you may consider applying for a cash card from a local bank which has many ATM's in the town you live and nearby, and another one from a national bank with a nationwide ATM network. For example, Bank of America or Wells Fargo for the west and Citibank for the east.

For credit cards, be careful that you pay the bill on time every month. And for cash cards, not exceed the cash value in your checking account that is linked to your card. For this, it pays that you activate the email-alert mechanism on the website of your bank so that you will get a notice in advance of the coming bill or be warned of the abnormality in account activity. Once you missed one bill or two, the percentage rate of your interest charge would be very likely to increase, in a big way that bite you ouch!

If you have arrived at north America for not long, you will need to establish a good credit record, which actually includes everything that you are required to pay to live, such as rent, phone, electricity, water, and probably the car you buy with a loan. Unless you are so rich that you don't care to pay for everything you need in cash, you will have many encounters with Mr. Credit Score on this land later on.

When used properly, these cards will provide your with great conveniences. Otherwise, they may backfire taking a toll on your limited resources. In some sense, it can be compared to a two-sided sword which can cut into both directions.

many thanks Adelyn