Complaint About Noise

　　June 18, 2010

　　Dear Sir or Madam,

　　I am your neighbor living downstairs in the same building. lamjwriting you to complain of the noise you make during the night.

　　Recently the noise during the night disturbed my rest. Almost every night, there comes some noise from your apartment just as I go to bed and am on my way to a dream. I wonder what the noise is. Are you repairing your furniture? Are you doing physical exercises? Whatever you do at that time of the night, you have to take your neighbors’ rest into consideration. In a word, you are disturbing both your other neighbors and me.

　　I heard you are always a friendly and considerate neighbor. Please stojp making noise at night. Thank you. Take care.

　　Yours friendly neighbor

　　【重點詞匯】

　　I am writing you to complain of ... take ... into consideration 將

　　我寫信投訴…… 考慮進去

　　disturb v.打擾 in a word 總之

　　on my way to a dream 即將入睡 considerate adj.考慮周到的

　　take care請注意

　　On Card Slave

　　“卡奴”是指一個人使用大量的現金卡、信用卡，但負擔不出繳款金額或是以卡養卡、以債養帳等方式，一直在還利息錢的人。

　　1. 目前出現許多年輕人變成“卡奴”現象

　　2. 出現這一現象的原­因

　　3. 我對這一現象的看法和建議

　　On Card Slave

　　As people change the patterns of consumption, it is common for people to have several cards. Then “Card slave” is coined. “Card slave” refers to people who can only pay the minimum balance on their credit card debt every month. Many youngsters fall under the so-called card-slave category.

　　The reason behind “card slaves” varies. The fierce competition among banks, Chinese or foreign, encourages them to lure customers to hold more credit cards. Unfortunately, some card holders, especially youngsters with large shopping addictions and small salaries, have outstanding credit card debts and gradually became “card slaves” after reaching their credit card limit on luxury items. Due to their meager salaries, they always live on the edge of bankruptcy.

　　In my opinion, people should manage their financial affairs. First, only choose the credit cards that suit you the most. Secondly, manage your cards properly. Get some good tips from internet and follow them. Thirdly, increase income and avoid excessive expenses. These tips will help you keep away from the danger of becoming a “card slave”.