Luyện nghe chép chính tả – Level Intermediate – Lession 24

24 Payday loans

Man: Hey, Rachel. Can I borrow your large suitcase?

Woman: Wait. Why do you need it?

Man: Okay. Get this. Some friends and I are going to Hawaii next week, and my small bag won’t be big enough for (1)…………………………….. I plan to bring home. I’m going
to
get you some peanuts, too.

Woman: What? How can you afford that? You don’t have a job, you already have an (2)……………………… car payment, and you still owe me $500 for that old car that
didn’t last a week.

Man: Hey, those things are behind me. You see, I took out a loan.

Woman: Where? I mean to be honest, your (3)………………………………… is terrible.

Man: Well, it’s complicated.

Woman: What do you mean complicated? Give it to me straight. Where did you manage to get a loan?

Man: Well, I got a payday loan at a place near our house.

Woman: What? That’s a awful idea.

Man: Ah, you don’t know anything. And you . . . at these places, you can get a loan

there quickly without any (4)………………

Woman: Exactly, because they know they can run you dry. [ No. ] I mean they might charge you (5)……………………… interest compared to about 12 to 30% interest for a regular credit card. [ Ah!! ] A personal loan at the bank might be even cheaper.

[ Yeah, but . . . ] And then people like you get locked into a vicious loan cycle that is almost impossible to escape. Like quicksand.

Man: How do you know so much about payday loans?

Woman: Well, I took out a loan once, and it took me forever to pay it back. So, yeah, how do YOU play to pay it back?

Man: Uh, well, I thought I’d sell my mountain bike or my (6)…………………………….
collection, or you could give me the money.

Woman: Yeah, forget it. Not in a million years.

Man: Ahhhh!

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ANSWER KEY

(1) all the souvenirs (4) hassle

(2) outrageous (5) over 300%

(3) credit history (6) comic book