Pratique du Shadowing: videoplayback - Apprendre l'anglais à l'oral avec la vidéo
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56 phrases
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For over four decades, Walter Cavanaugh held a truly credit -worthy record— the most credit cards held by one person.
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What began as a bet between friends led him to open over 1 ,400 cards,
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ranging from traditional bank -issued to those from airlines, gas stations, and even ice cream shops.
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Most people have far fewer credit cards.
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While useful for secure purchasing, handling emergencies, and building credit scores, credit cards can make it difficult to avoid overspending.
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Globally, the outstanding credit card debt exceeds trillions of dollars, and this is no accident.
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Credit card companies intentionally design these systems to encourage spending and lock you into a cycle of interest and fees.
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So, how can you avoid their most common tracks?
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It starts with card selection.
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Lenders often aggressively advertise perks like cash back, travel miles, and discounts.
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But these offers only seem generous.
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In reality, only a small portion of cardholders actually benefit those who pay off your entire balance every month.
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But according to one survey, 46 % of American cardholders carry a revolving balance.
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For these users, the cost of interest and fees almost always exceeds the value of rewards.
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If you think you may fall into this category,
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financial experts recommend getting a card with the lowest annual percentage rate, or APR.
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This number is essentially the cost of borrowing money from the credit card company.
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You pay that cost through interest charges, which kick in as soon as you carry any balance past a statement due date.
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While APRs are listed as yearly rates, for most cards, interest accrues daily.
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For example, a card with a 35 % APR charges about 0 .095 % interest per day.
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So, a revolving balance of $1 ,000 would accumulate approximately $29 in interest over a month.
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Meanwhile, a card with a lower APR, say 18%, would charge about $15 in interest during the same period.
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This difference can add up over time.
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If you were to make a $50 monthly payment towards that $1 ,000 balance,
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the card with the higher APR would take an extra $325 and an extra 7 months to pay off.
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And interest fees can be even more complicated.
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If you carry a balance and actively use a card, new purchases start accruing interest immediately,
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even if you pay off those purchases before the statement date.
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In other words, once you start to carry a balance, it's much more difficult to avoid interest charges going forward.
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And even after a bill is fully paid, you might still get one more charge,
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something called residual interest, for the days between your statement and payment date.
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Low APR cards are the best option for minimizing these interest charges.
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However, be wary of cards that offer exceptionally low APR for an introductory period.
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These flashy offers can mask things like complicated fee structures,
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steep late charges, and high default APRs that kick in once the introductory period ends.
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While many countries require companies to disclose these conditions, they're often buried in the fine print.
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Payment structures can also be confusing.
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For example, many people mistake the minimum payment as the standard or even recommended amount to pay.
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In reality, it typically only covers interest, fees, and a small percentage of the balance.
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As a result, sticking to just the minimum payment can make even a low balance of $1 ,000 take over 18 years to pay off.
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Paying the full card balance each month is the best way to avoid fees and actually benefit from rewards.
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But it's not always possible.
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So, what should you do if you find yourself in credit card debt?
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The first step is to assess your finances and create a repayment plan.
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If the debt is on a high APR card, transferring your balance to a lower APR card may help.
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Just be sure to check for balance transfer fees.
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If you're juggling debt on multiple cards, it may be tempting to pay off the lowest balance first.
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However, the most financially efficient strategy will always be to put any extra money towards the card with the highest APR,
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regardless of balance.
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The key is to chip away one card at a time.
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Just don't be like
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Walter and open a thousand more in the meantime.
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TedEd has partnered with Gifted Savings to give $1 ,000 investment portfolios
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and free high -quality financial education to create a generation of financially capable young people.
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Want to bring
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Gifted Savings to a school or help fund a program in your community, visit ed .ted .com slash gifted savings.
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Vocabulaire et conseils d’expression pour cette leçon
Cette leçon d’expression orale s’appuie sur la vidéo « videoplayback ». Les mots qui reviennent le plus souvent : card, balance, interest, Apr, credit. Cette vidéo contient 56 phrases et 741 mots à répéter en shadowing. La partie parlée dure 5:51. Le locuteur parle à un rythme régulier d’environ 127 mots par minute, confortable pour le shadowing. 83 % des mots font partie des 3 000 mots les plus courants en anglais ; le reste mérite d’être vu avant de commencer.
Vocabulaire clé de cette vidéo
15 mots de la vidéo à retenir, avec leur prononciation et leur sens :
| Mot | Prononciation | Sens |
|---|---|---|
| percentage nom | /pə(ɹ)ˈsɛntɪd͡ʒ/ | pourcentage |
| complicated adjectif | /ˈkɑm.plɪˌkeɪ.tɪd/ | compliqué, alambiqué |
| reward nom | /ɹɪˈwɔɹd/ | récompense, salaire |
| financially adverbe | financièrement, pécuniairement | |
| exceed verbe | /ɪkˈsiːd/ | excéder |
| introductory adjectif | /ˌɪntɹəˈdʌktəɹi/ | d'introduction, introductif |
| meanwhile adverbe | /ˈmiːnwaɪl/ | pendant ce temps-là, entretemps |
| regardless adverbe | /ɹɪˈɡɑɹd.lɪs/ | malgré tout, malgré cela |
| encourage verbe | /ɪnˈkʌɹ.ɪd͡ʒ/ | encourager |
| efficient adjectif | /ɪˈfɪʃənt/ | efficace |
| essentially adverbe | /ɪˈsɛnʃəli/ | essentiellement, en essence |
| discount nom | /ˈdɪskaʊnt/ | rabais, discompte |
| chip nom | /t͡ʃɪp/ | brisure, fragment |
| fewer | /ˈfjuː.ɚ/ | moins (de) |
| mask nom | /mæsk/ | masque |
Les verbes à particule que vous entendrez
| Mot | Sens |
|---|---|
| pay off verbe | soudoyer |
| chip away verbe | ébrécher, réduire petit à petit |
| take over verbe | reprendre |
Prononciation à surveiller
Le locuteur utilise 3 contractions et formes réduites, comme don't, they're, you're. Prononcez-les sous leur forme courte, telles que vous les entendez.
- Les sons « sh » et « zh »: efficient /ɪˈfɪʃənt/, essentially /ɪˈsɛnʃəli/, intentionally /ɪnˈtɛn(t)ʃənəli/, exceptionally /ɪkˈsɛp(t)ʃənəli/, flashy /ˈflæʃi/
- Mots longs — placez bien l’accent: complicated /ˈkɑm.plɪˌkeɪ.tɪd/, introductory /ˌɪntɹəˈdʌktəɹi/, essentially /ɪˈsɛnʃəli/, portfolio /pɔːtˈfəʊ.liˌəʊ/, intentionally /ɪnˈtɛn(t)ʃənəli/
Les sons difficiles pour les francophones :
- /tʃ/ et /dʒ/ — à ne pas adoucir en « ch » et « j »: percentage /pə(ɹ)ˈsɛntɪd͡ʒ/, encourage /ɪnˈkʌɹ.ɪd͡ʒ/, chip /t͡ʃɪp/, generous /ˈd͡ʒɛn(ə)ɹəs/, residual /ɹɪˈzɪd͡ʒ.u.əl/
- /r/ anglais — langue recourbée, sans frotter la gorge: percentage /pə(ɹ)ˈsɛntɪd͡ʒ/, reward /ɹɪˈwɔɹd/, introductory /ˌɪntɹəˈdʌktəɹi/, regardless /ɹɪˈɡɑɹd.lɪs/, encourage /ɪnˈkʌɹ.ɪd͡ʒ/
- /ŋ/ final — sans prononcer de /g/ après: borrowing /ˈbɔrəwɪŋ/, juggling /ˈd͡ʒʌɡəlɪŋ/
Comment s’entraîner avec cette vidéo
- Écoutez la vidéo en entier une fois sans parler et notez les mots que vous ne connaissez pas.
- Répétez phrase par phrase à vitesse normale, en reprenant chacune jusqu’à ce que votre rythme corresponde à celui du locuteur.
- Enregistrez-vous et comparez avec l’original, en faisant attention à des mots comme percentage, complicated, reward.
Qu'est-ce que la technique du Shadowing ?
Le Shadowing est une technique d'apprentissage des langues fondée sur la science, développée à l'origine pour la formation des interprètes professionnels. Le principe est simple mais puissant : vous écoutez de l'anglais natif et le répétez immédiatement à voix haute — comme une ombre suivant le locuteur avec un décalage de 1 à 2 secondes. Les recherches montrent une amélioration significative de la précision de la prononciation, de l'intonation, du rythme, des liaisons, de la compréhension orale et de la fluidité.