Learn how to use the English verb phrase "have to"
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| INTRODUCTION |
| Chihiro: Hey, everyone! It’s Chihiro. You 'Have to' Study This English Lesson! |
| Ryan: Ryan here. |
| Chihiro: In this lesson, you'll learn how to open a bank account. |
| Ryan: This conversation takes place at the bank. |
| Chihiro: The conversation is between Drew and an account manager. |
| Ryan: The manager will be speaking formally, and Drew will be speaking casually. |
| Chihiro: Let’s listen to the conversation. |
Lesson conversation |
|---|
| Accounts Manåager: Hello, sir. What can I help you with today? |
| Drew: Hello, I'd like to open a checking account. I have one thousand dollars with me today to put in. |
| Account Manager: Certainly. Do you have some ID with you today? |
| Drew: Yes, here's my passport. |
| Account Manager: Perfect. Please fill out this application form. Would you like to open a savings account with that? |
| Drew: Umm. No, thank you. |
| Accounts Manager: Are you sure? You can open one by depositing three hundred dollars today, and every month it'll transfer twenty-five dollars from your checking to your savings and collect a 3.2 percent APY. |
| Drew: Sounds like a good thing, but I'm only going to be here for a short while, so no, thank you. |
| Account Manager: Okay, sir, also, for just eight dollars a month you can get overdraft protection for up to five hundred dollars and one hundred personalized checks. |
| Drew: No, I don't need any of those. I pay with my credit card for large things and I'm very careful with my money. But I would like to have online banking. Is that free of charge? |
| Account Manager: Yes, it is, just fill out this form as well. |
| Drew: Okay. (filling out form) |
| Account Manager: Your card will be sent to you at the address you wrote down, and then you'll have to come back to choose your PIN. |
| Drew: Are the ATMs 24/7? |
| Account Manager: Yes, they are. |
| Drew: Okay, sounds great! Thanks for your help! |
| English Host: Let’s hear the conversation one time slowly. |
| Accounts Manåager: Hello, sir. What can I help you with today? |
| Drew: Hello, I'd like to open a checking account. I have one thousand dollars with me today to put in. |
| Account Manager: Certainly. Do you have some ID with you today? |
| Drew: Yes, here's my passport. |
| Account Manager: Perfect. Please fill out this application form. Would you like to open a savings account with that? |
| Drew: Umm. No, thank you. |
| Accounts Manager: Are you sure? You can open one by depositing three hundred dollars today, and every month it'll transfer twenty-five dollars from your checking to your savings and collect a 3.2 percent APY. |
| Drew: Sounds like a good thing, but I'm only going to be here for a short while, so no, thank you. |
| Account Manager: Okay, sir, also, for just eight dollars a month you can get overdraft protection for up to five hundred dollars and one hundred personalized checks. |
| Drew: No, I don't need any of those. I pay with my credit card for large things and I'm very careful with my money. But I would like to have online banking. Is that free of charge? |
| Account Manager: Yes, it is, just fill out this form as well. |
| Drew: Okay. (filling out form) |
| Account Manager: Your card will be sent to you at the address you wrote down, and then you'll have to come back to choose your PIN. |
| Drew: Are the ATMs 24/7? |
| Account Manager: Yes, they are. |
| Drew: Okay, sounds great! Thanks for your help! |
| POST CONVERSATION BANTER |
| Chihiro: There are different types of accounts you can open with a bank. The two most common are checking and savings. Different banks offer different interest rates and types of accounts, which an account manager usually can explain to the client. |
| Ryan: Banks are usually set up with some windows for quick transactions and then some tables for the people who need to discuss their options. Different banks may have various offers targeted at a certain clients. |
| Chihiro: For example, students would have a different kind of account than a working person perhaps. |
| Ryan: Therefore, if you ever open an account in the United States, it's a good idea to check your options. These days you can also open up accounts online. |
| Chihiro: But for those who wish to talk to somebody in person, the banks are there. |
| VOCAB LIST |
| Chihiro: Let's take a look at the vocabulary for this lesson. |
| : The first word we shall see is: |
| Ryan: checking account [natural native speed] |
| Chihiro: arrangement between a person and a bank to keep record of money placed and removed in the bank by the person |
| Ryan: checking account [slowly - broken down by syllable] |
| Ryan: checking account [natural native speed] |
| : Next: |
| Ryan: ID [natural native speed] |
| Chihiro: short for identification, which is a card or document that has information about the owner |
| Ryan: ID [slowly - broken down by syllable] |
| Ryan: ID [natural native speed] |
| : Next: |
| Ryan: savings account [natural native speed] |
| Chihiro: bank account to keep money that usually collects interest |
| Ryan: savings account [slowly - broken down by syllable] |
| Ryan: savings account [natural native speed] |
| : Next: |
| Ryan: to deposit [natural native speed] |
| Chihiro: to place money in a bank account |
| Ryan: to deposit [slowly - broken down by syllable] |
| Ryan: to deposit [natural native speed] |
| : Next: |
| Ryan: to transfer [natural native speed] |
| Chihiro: to move something from one place to another |
| Ryan: to transfer [slowly - broken down by syllable] |
| Ryan: to transfer [natural native speed] |
| : Next: |
| Ryan: APY [natural native speed] |
| Chihiro: abbreviation of annual percentage yield, amount of money earned after one year |
| Ryan: APY [slowly - broken down by syllable] |
| Ryan: APY [natural native speed] |
| : Next: |
| Ryan: overdraft [natural native speed] |
| Chihiro: amount of money withdrawn from the account that exceeds the amount actually available |
| Ryan: overdraft [slowly - broken down by syllable] |
| Ryan: overdraft [natural native speed] |
| : Next: |
| Ryan: check [natural native speed] |
| Chihiro: piece of paper issued by the bank used to make a payment from the account by the person writing it |
| Ryan: check [slowly - broken down by syllable] |
| Ryan: check [natural native speed] |
| : Next: |
| Ryan: PIN [natural native speed] |
| Chihiro: abbreviation for personal identification number, a code used to access personal information |
| Ryan: PIN [slowly - broken down by syllable] |
| Ryan: PIN [natural native speed] |
| : Next: |
| Ryan: ATM [natural native speed] |
| Chihiro: abbreviation for automatic teller machine, a machine to take money from a personal account |
| Ryan: ATM [slowly - broken down by syllable] |
| Ryan: ATM [natural native speed] |
| KEY VOCABULARY AND PHRASES |
| Chihiro: Let’s take a closer look at the usage for some of the phrases from this lesson. |
| Ryan: The first phrase is, |
| Chihiro: "free of charge." |
| Ryan: This phrase just means "free." Sometimes we use this phrase in place of just "free" so that we emphasize it. You'll see this phrase in many advertisements and shops if they offer any service for no money. |
| Chihiro: Right, everybody likes free, it's like a magic word. |
| Ryan: It is! And I heard there's a whole psychology behind it too! But we can't get into that right now. Because we're not experts in that field. |
| Chihiro: Nor do we have time. |
| Ryan: So let's talk about the next phrase instead, |
| Chihiro: Which is? |
| Ryan: "24/7." |
| Chihiro: This means whatever is being talked about is open twenty-four hours a day, seven days a week. We use it as an adjective to mean that something is, in this case, operating all the time. |
| Ryan: You might hear this phrase from time to time and also see it in certain places as well. |
| Chihiro: Okay, now let's move on to the grammar. |
Lesson focus |
| Chihiro: The Focus of This Lesson Is "Have to." As you may already know, the verb "to have" has many uses in the English language. We use it as an auxiliary as well as a verb with a meaning on its own. In this lesson, you will see how we use it to mean "must." |
| Ryan: When we use "have" before another verb in its infinitive form, it means "need". In the dialogue, the bank account manager said, "You'll have to come back," meaning "you need to come back" or "you must come back." Also note that the manager uses a sentence in future form. By doing so, he sounds more polite than saying "you have to come back," which has the same meaning. Let's give some examples. |
| Chihiro: Sure, "I have to walk the dog before I leave the house." |
| Ryan: which means, |
| Chihiro: "I must walk the dog before I leave the house." |
| Ryan: Next one, |
| Chihiro: "You'll have to talk to him about it." |
| Ryan: meaning, |
| Chihiro: "You'll need to talk to him about it.” |
| Ryan: Sounds good! |
| Chihiro: Now, you're probably wondering when you should use "have to" and when you should use "must" which we talked about in the third lesson of this series. |
| Ryan: Many times you can use them interchangeably without changing the meaning so much. For example, |
| Chihiro: “I must leave soon.” |
| Ryan: And, |
| Chihiro: “I have to leave soon.” |
| Ryan: These pretty much mean the same thing. |
| Chihiro: However, "have to" is used when we state facts, while "must" is used when giving a personal opinion. So for example, |
| Ryan: “You must try that restaurant.” |
| Chihiro: Ryan, here in this sentence, is saying that he believes that restaurant is worth going to. |
| Ryan: “You have to score 85 or higher”. |
| Chihiro: Here, he's telling me a fact, and not his opinion like the previous one. |
| Ryan: Right. Also note that you can use "have got to" in place of "have to". It sounds casual and is used a lot in friendly conversations. |
| Chihiro: So I can say, "we have to go now" or "we've got to go now" and they both mean the same thing. |
| Ryan: Yes, we've got to go now. So we'll end the grammar point here. |
Outro |
| Chihiro: Okay, that just about does it for today. Give it a try today. We hope to see you there! |
| Ryan: Bye for now! |
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