My m y F 9 Y +
chl Hw xpl my Ix Th hy f my 2 Why w my? 3 Fmly uc 4 Fmly xp 5 Th ccul f my 6 Hlg yu bug 8? Wh bk 10 Oh mh f pym 12 Th m f ccu 14 Bk c 16 Ply cv wh u 17 Th S Bug 20 Imp p 22 Qu w 23 M-cy 27
Th hy f my Why w my? B A lg m g, h w my buy ll hg. I, u c u b, whch m xchgg mhg f mhg l. F xmpl: xchgg bull f h. Bu f b k plc, h vlu f h hg bg xchg hul b ml. Ml Wh m, ml c bg b u cucy, bcu w p ml h hg h w b, h c cul b v. A f, my h fm f ml h ff fm: cklc, l, g ( b)., Th ml g w m f ff z, ccg h vlu. Shppg I c p, f w w b mhg w wul b f. Ty w u pp ml cucy, chqu ATM c Th f Ab my 4 Th f Ab c w m Dmcu bw 691 694 AD. Th vlv mpg h D Dhm u by ppl wh w cp: pcu l gl, lv cpp Th D Th w D v fm h Gc- L w Du Auu, whch m Gl D. I w f h m f h gl c. Th Dhm A lv c u, wh m cm fm h Gk Dchm. Th Gu Th m f cpp c h h Ab kw fm h cmmcl lg wh h Byz. C-mkg C m ug vu yp f ml. T mk hm, h f ml cu up. Th, c g, wh w mg. Th c b ul h mg pp clly. I h y hmm w u mk c, bu w w hv m mch h. Th Ryl I 1966, h cuc ccul Q w I Rup Gulf Rup. Af h Q & Dub Cucy B w blh, f I vlu h Rup (clug h Gulf Rup) by 35%, Q Dub c u w cucy, whch w kw h Q Dub Ryl. I 1973, h Q My Agcy w blh h Q Dub Ryl w mv fm ccul. A w cucy w u, kw h Q Ryl. Svg W lwy p ll f h my w g, whch m h w c v m f. Th vg llw u puch bg m ( c, hu) py uxpc xp (uch hpl f, f m g ck, f xmpl). Uully, w kp h vg hm, bu pu hm bk whw hm wh w hm. Pyg l Evy wk cv mu f my xchg f h lbu. Th cll ly, wk c u h my buy hg. Rpg cuy gup f cu Cucy c l ymbl, lk h flg. Q cucy, f xmpl, h Q Ryl. Smm umb f cu g pcfc cucy. I Eup, 16 cu u h Eu. 5
uc Fmly Fmly xp Wk A fmly pcpl fm f cm ly, p by mply u f h vc ff by h mply. Ppl wh lf-mply pfl cv ly. Thy cv f. Mch ul lv ff h pf fm h wk. Th wh lf hm f hy k wy mply l, h c f mchy qupm. Hm If fmly w hm, h vlu. I h h hm p, wlh. Uully, h vlu f hm g up y f y. If hm l f m, h pf cll vlu. Applc M fml hv whg mch, hwh, v, fg h hm pplc, whch b fx plc wh hy bcm vy l. Hm Th y, hm-l xp h bgg p f fmly xp. Sm fml lv hm h hy w. I buy h hm, hy k u l fm bk, py bck p f h l bck vy mh. Oh ppl hm, py h ll vy mh. A fmly l py w, lccy, hg clg bll. Nu Nu bc hum, bg f py f vy fmly. Culu lu Fml w hv m lu m h h p, hk h puchg pw, hy c g u, hl h cm. Thy c buy c DVD. Thy c l vl g cmpg wk. Th lu cv c my, ju lk h lph, mbl ph, py-tv chl. Tp Yu p fm f p g wk bg yu hm fm chl. If hy hv c, hy hv py f ful, p, uc. Sm ppl u h bu g u, whch c l. Th l xpv fm f p gg by bk, wlkg. Svg A h f h mh, f xp k wy, h mg mu f my. Th my c b kp hm c b p bk, cv x mu, h fm f., Hlh uc vc Yu fmly p my ly buyg g; hy l py f vc (uch gg yu h cu). Ev f chl u ly f, yu fmly mu buy yu y. Thy gv yu yu ly llwc py f yu f-chl cv (p,, c.). Wh cm hlh, gg h c buyg mc h yp f xp. Ac 6 Th gvm gv mu f my m fml hlp hm py xp l chl (uy, chl) py p f h. W cll h c uby. Sm u c b ub f hy f ffculy fg plc lv. P Wh mply f lg p f wk, h h cv p. Th k h plc f h ly, bu hgh. Clhg Clh l mp xp, pclly f yu w b fhbl yu w g clh. Th c f m f clhg clu lbu c, h m u mk, pg fm fc. 7
my Th ccul f Fm h fm p, Tm pl h fm. Wh hy h fm pck hm bx hm. Th fm h ll h puc. A umb f mlm mk h xchg bw puc cum k plc, h pc cll bu. T h fcy Th m k h fcy, wh hy quz ck by mch, cl f y mg bc, bf hy c bx. Whll mch Mch buy puc lg qu (whll) whu. Ah xmpl f h ccul f my bk. W w buy w Rl Smll-cl mch, l, h puch g fm whll. Thy buy h g h ll hm cum mk mll. Yu c g h bk puch h bk. Py wh h my gv yu by yu p. Th bk buy bk fm publhg hu. Pp Th publhg hu py h w f h bk h pg hu, h bu, wh bg h bk p f l (bk). 8 Cum Fm ll m whll pc p kl h h m pc f cum. Th pc f h m wh ch g f h cycl. Th c p by mlm, h pf mg f h puc, h pc f h puc wh hy l. Buy fm plc yu hm pc h vm Yu c buy wh yu fm plc yu hm. I f gg by c, yu c wlk k bk, whch uc pllu. I l mp ch fu vgbl h, h puc lclly, h puc cl u cuy. Thy ll b h b h chp, bcu f lw p c. Cmmcl c Puc l ll fu, vgbl mlk bgg qu bg cmmcl c (upmk hypmk). Sc h c puch vu yp f puc lg mu, fm vu puc, hy g pcl uc. Bcu hy cv h uc, lg cmmcl c c ll puc pc lw h h f mll-cl l. Th pg hu pp fm pp puc, wh py wk, bg pmy ml fm w bu. Th bu k h my p hm by h pp puc, p h bk. 9
bug Hlg yu Fcl cm (vu) Pl xp Th my h yu cv fm yu p m f yu ly xp. Yu p c p ccu f yu bk (f yu 18 y), yu c v my h ccu. Sm bk gv yu ATM c h yu c whw my fm um ll u hp. Expu (upu) Spg lu Yu c buy muc ck wch mv, bu cmpu, f xmpl, c bg puch, hul b m quckly. Yu hul v ll b f my ch mh ul yu hv h whl mu. Th cll mgg bug. Bwg If yu w buy mhg yu hv ugh my, yu c bw fm yu p. Bu fg u h my, fm yu pl fu, l! Svg bk Hw kp ck Yu bkl whch yu c ll f yu ly wkly ccu. Dv pc f pp w clum. O h gh, c ll f h my yu cv (cm) h lf, ll f yu puch (xp). Yu p c h m hg, by ug cmpu pgm. 10 T c yu vg, yu c m f h my h yu cv hly h cc. Wh yu b, yu gp p mgh p pcl bk ccu f yu. F m m m, c mu f my p h ccu, whch cv l mu f my (cll ), bcu h bk g h my wh l yu my h ppl. My yu cv fm jb Yu c g my by pfmg jb, uch hlpg yu p wh h c, bbyg h ghbu chl. Bu fg h yu hul c hg f f (cl yu m, h bl, c...!) (p!) Spg much If yu pck mpy yu hv my lf yu ccu, yu phf, hul p pg. 11
Wh bk? Opg ccu ( h bk) Kpg bg mu f my hm ky. W c v h k f w p h mu bk ccu, h u my f. I p my h bk, w mu hv bk ccu. I m c, yu c u h my yu ccu y m. Sllg uc l Th bk ll h vc f bkg p uc cum cl: f cl wh bw my fm bk l h jb, uff fm mcl pblm, uc cmpy py p f h l ug p whch h cl hv y cm. Lg my A bk l my f f;.g. wh yu p k u l fm bk buy hu, hy mu u h mu v f llm, v umb f y. Thy l py h mu f my hy bw. Th hw hy py f h vc. Pv cmp l bw my fm bk. Sc bk gg k by lg my, hy k f gu u, hy u hy wll cv h mu gv h l;.g. bk wll kp h hu f h l p bck. Th ck xchg 12 Cucy Exchg I ch cuy w ff yp f cucy,.g. Th Q Ryl u Q, Eup u h Eu h UK, hy u h Pu. Th bk xchg cucy w py mll cmm f h vc. Kpg my f plc Vlubl m (jwlly, mp cum) c b kp fy p bx bk, f yu hv. Yu c fy p bx f pcfc p f m. Ug cl my hlp h l cmy N ll cl whw h my h m m. Th bk c u cl my l my cmp. Th ccul f my h cuy c hlp vm, uch bulg fc,, hpl c... Th ck xchg wh vlubl hg bugh l, uch cmm: cucy, gl, pmy g (l, g), h f cmp. Th ck xchg l cmp b my vlp h cv. Wh w buy h cmpy, w w f mll p f h cmpy. Th vlu f h h fll, b h umb f h h bugh l. 13
Oh mh f pym Chqu Chqu p pp whch yu fll h blk: h mu f my h wll b p, h p whm wll b p, yu gu. Chqu l u py f hg whu ug pp my c, hk pv bk ccu. Th bk plg f h mu f my fm yu ccu h ccu f h p wh h cv h chqu. V ph W gv h umb f u c v h ph h p pbl f h u (w hul b vy fml wh h p h u wh h h wk). Th my h umclly uc fm u ccu. ATM C Ech ATM c h mgc p. Wh w w buy yhg, w mch h mu f my b p, lg wh u pw. Th my f lcclly fm u bk ccu h h cmmcl blhm. I u, w cv pp cp wh c f h puch. Tf Wh p cv h l, hy uully v f. A mply k bk wh h h h ccu f l fm h ccu h ccu f mply, h bk. Tf l u py lccy, w lph bll. L If yu 18 y f g hv bk ccu, yu c k f l fm yu bk. If h bk g l yu my, yu mu py ll by ll. Th l c l um f my, bcu yu mu py h gl mu f h l. h h c f bwg. Accumulg b Wh p b h c py hm, w cll h ccumulg much b. By h w m h h p h bw much m my h h cm, h bugh my hg hugh h l (hu, c c). 14 15
Th m f ccu Sm f ccu Evy mh, h hl f bk ccu cv m f ccu, hm by h bk. Th cum c h blc m, cm, xp l, c. Yu c l f u hw much h ccu v h. Db Th pc c h mu f my mv fm h ccu (hugh bk c, chqu, ATM whwl), whch llw u vfy h xpu h hv k plc. A Full m,, pl lwy p f h m f ccu. D Th mh whch h bkg c k plc. D Th whch h bk c k plc (p whwl). Nm: M. Abullh Abulzz Tl: (+974)4440 7404 Fx: (+974)4441 3753 P.O.Bx 1000 Dh, Q اإلسم: هاتف: فاكس: ص.ب: Bk Dl Th f f my fm h chg f chqu ATM c. Blc Th ffc bw b (xpu) c (vu) ll bkg c h k plc ug h mh. Th blc wh lf h ccu. C Th my h h ccu. 16 17
ATM c Ply Dcv ATM c A ATM c l u whw my fm Aum Tll Mch (ATM) Q b. I l l u mk pym hp, v h. I b bl py, w mu f fu-g PIN (Pl Ifc Numb) c. Th c hw h m f h bk, h m f h u, h h gu, h c umb, h xpy. Af h xpy h c c b u h vlu. Sc P C Pl f g PIN h fm jb? Hlp h wk cmpl h w hw my blck h fh h wk? Hw hy Th ATM c lcc chp h mgc p ll f h fm bu h hl f h ccu. Wh m py, w plc h c mch h cc h bk cl cmpu. Th cmpu c h fm gv, c u h c, f chckg mk u h h ugh my h ccu. A h f h mh, ll f h c cllc gh, pp h m f ccu. Ch Scuy c F x cuy pc, h h-g cuy c h bck f h c. W u h umb wh w h PIN c, uch wh w mk puch v h ph by ug h (puchg pl ck, mkg hl v). I bg k f h c umb, w k pv h cuy c h xpy f h bk c. Elcc chp Mgc p Th ppl lv h m plc, ch f hm w bul fm h f h hu h wll. Hwv, hy lk ch h! Thf, h h hy bul c m. Hlp hm bul h. : H Bg wh Hm #2 Wll #2 2 1 3 30 Expy W c u h c f h, w hv g h bk cv w c. 1 2 Avg f ATM c Th bk c k up much pc. Ulk ch, f w l h c f l, f xmpl, c b u whu m kwg h PIN c (xcp f u by ph ). If l, yu c cc h bk p h u f h bk c. 3 18 19
j y p g f j y p l z w m g u m y m k q w u k c f u c b g w j h f w g l c f u m h u h u b l m b u q m g k u 6 Cw puzzl Lk f h m f m cu wh Q Nl Bk p. Wh m, pl? Lk h clck ug lgc, wh hul h m b h l clck? Whch p? Ech ky cl lgh bulb. Lk h fu pl f whch ky cl whch lgh bulb, whch p (up w) u. Dw h pcu h mpy qu. Whch v hg ff h w pcu? 1. Mu 2. Suh Su 3. Su 4. Tu 5. I 6. Sgp 7. Fc 8. Swzl 9. U Kgm 10. Q 11. Kuw 12. Om 13. U Ab Em 14. Ym 15. I 16. Iq 17. J 18. Lb 19. Sy 1h10 3 =E,5 =D,1 =C, 2 =B,4 =A??? 21 20
Rvu x: Icm I m cu, cz mu py x h cm. Th m h hy gv h p f h my h hy fm h jb. Th m hy mk, h m x hy hul py. Th S Bug (VAT): Vlu A Tx Th VAT (vlu x) p g puch. Expu Th my h u p py h cll x, whch hlp blh u umb f u. ch: Pyg? Wh h ppl, Th f l wh b, gvm. Th u by kg, m, p f h publc, wh c h plcy f h. H hlp h by h Cucl f M h gvm u. Th qu gc m, whch cll h ffcl c. My mply wk h c. h: Hlpg Th my l u pv c p ppl, h wh lkg f wk, h lly, ppl wh pcl. uc: Nul uc, Sm cu hv ul uch g, l, phphu, m f pcu ml. Th uc mk up h lg p f uc f m Ab cu, uch Q, Th Kgm f Su Ab, Iq. Sm f h my p ch uc. Amy: Fug h Th my l hlp upp h my f h, by pyg h l f l pyg f mly qupm. 22 : Tum Th vu fm l um m up f h xp f u fm u h wl. Th clu pym l vl cmp, f l p. Tum h gw much h h ff yp f um, uch lgu um, mcl um, lu um vml um. ch: Fug Th my l hlp py ch vu fl (mc, hy, c)., Rg c c: Th my hlp fu h plc, bul p fcl, p chl. 23
Fmly uc Th fmly bug m h my h vlbl, fm vu uc (fcl cm) xpu. Th my h fmly cv u f wk f h m mp yp f uc, lg wh fm bk p. Sm fml h hv much my cv c h hy c py chl u f h chl, p f h. Th ccul f my Th h ph h h mvm f my k, fm h gl g h cum, pg hugh vl ff g. Th m h my ccul chg h cum, h m h pc f h g. Hlg yu bug Th vu wy by whch yu c b my, uch hly, pv llwc, jb, vg bk. Yu c bw mu f my fm yu p bu fg u! Wh yu pck yu bk ccu mpy, yu hul p pg ul w mu f my yu ccu (fm yu pv llwc, hly, c). Wh bk? P4 P6 P8 P10 A bk cmpy h mg my p by cum. I cv my l gv u l, wh c pcg f. Th bk ff vu h vc, bu hy ll c my: uc, p, cucy xchg. Yu c whw my fm yu bk ccu f yu, cly fm h bk. Pyg whu ch P12 Yu c py whu ug pp c. A ATM c, chqu, f ll f hm l yu py whu g h my, bu h, yu hv pu my yu bk ccu. Wh w bw lg um f my ffcul py bck, h cll plg up b. ATM c Imp p P16 Qu Aw 24 A ATM c u whw my fm my chg umc ll, l u py f hg whu ug pp my c. A ATM c wk wh chp. A ATM c h my pv pc: mll, c b u v h ph. A c c mu b f yu w py ug h ATM. If l, h hf c u hp ATM. Th bug P20 A m f ccu clf h m vu xpu. Rvu h vu uc f cm. Expu h my h py vu b u, bul vlp h cuy hlp cz. Amz yu f fmly wh wh yu kw... 25
Qu 1 Wh h pp f bwg? 8 Wh w cll h mu h h fmly py vy mh lv hm h w? 2 3 If h ul gv by h bk 1 mll 5%, hw much wll h um b y f pg h bk? A cu ccu m: p wh p l f my / bk ccu h c b u whv w w / hf wh h cp? 9 10 11 Wh w cll h pc h l u mv my fm bk h? Wh h l ATM m? Aumc Tf Mch / Aumc Tll Mch / Ah Tf My 4 Tu Fl? W c p ccu whu vg h bk. 12 C my b u buy ll hg? Wh w cll h pc f pug my h bk h 5 Wh h pp f b? 13 cm bck u wh? Dp, Ivm, Rvu? Tu Fl? A mply cv h h ly ug vc. 6 A v-l w h m my w. 14 Nm w wy py whu ug pp my c. 7 Tu Fl? Wh w buy h h ck xchg f c mu f my, h mu wll cly c. 15 If w k mu f my mu u, cll: Db / Dp / Db? 26 27
Aw M-Dcy 1. Lg 8 R. bk. : Dp pug my pv ccu h w. : R wh yu py f lvg plc yu Pg 4 2 1,050,000. 9. Tf Puchg pw: h bly buy hg hk h uc w hv. 5 6 3 4 5 6 A bk ccu c b u whv w w.. Tu Yu c h v h, ug h lcc gu f h bk.. Db. Svg 10 11 12 13 14 Aumc Tll Mch., Bh yu c u py f vc wll.. Dp. Tu Th cll p vc. f. ATM c, chqu, : Mlm ppl wh h g-bw bw w m p. hm. : Cum ppl wh buy g u Pf mg: h ffc bw h pc f mhg l h c f h g. : Bw mpy k mu f my, h u wh yu hv ugh my. gzg. : Mgg my. : Sphf p wh p much : Dp mu f my h w p f c m bk. I v h. : Tf g mu f my fm ccu h. y. : Db h mu f my h w hv p bck fm. : Dcum pc f pp h c 8 9 11 12 13 14 15 7. Db. Fl 15 : Expu h my h h hl f h bk ccu p. 28 29
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