真實(shí)生活英語Finance財(cái)政金融
Unit 29 Finance
財(cái) 政 金 融
Part One: Expressions
1. How are your stocks doing, Jim?
吉姆，你的股票怎么樣了？
2. I lost a bunch of money in the last two years.
過去兩年我賠了很多錢。
3. I changed my strategy around too.
我改變了自己的策略。
4. I like to open up a savings account please.
我想開一個(gè)儲(chǔ)蓄帳戶。
5. I want the one with the highest interest rate.
我想要最高利息的那種。
6. You have to maintain a balance of $10,000 in the account.
你必須在賬戶里保持1萬元的余額。
7. I’ll be with you in one second.
我馬上就來。
8. I want to take out a loan for school.
我想獲得讀書貸款。
9. Do you qualify for any of the federal loan programs?
你具備獲得聯(lián)邦政府貸款項(xiàng)目的資格嗎？
10. How do I go about taking it out?
怎么樣可以獲得？
Part Two: Dialogues
1.Investments投資
A: How are your stocks doing, Jim?
B: Oh, all right. I lost a bunch of money in the last two years, but this year has been pretty good.
A: Yeah. I lost money investing in the Internet, too.
B: Just goes to show that you should buy companies, not ideas.
A: I changed my strategy around too. I invest in good companies now.
B: Yeah, me too. Did you hear about Frank?
A: No, what happened?
B: He lost his kids’ college money day trading.
A: Oh, boy. His wife can’t be happy about that.
A: 你的股票怎么樣了，吉姆。
B: 哦，還可以。我去年這兩年賠了一些錢，但是今年很不錯(cuò)。
A: 是的。我投資因特網(wǎng)也賠了一些錢。
B: 這說明你應(yīng)該投資具體的公司，而不光是一些概念。
A: 我也改變了我的策略，我現(xiàn)在投資前景好的公司。
B: 是的，我也是。你知道弗蘭克的事情嗎？
A: 沒有，怎么了？
B: 他做生意把孩子上大學(xué)的錢賠了。
A: 哦，天。他的太太聽了肯定會(huì)不高興的。
2.Savings Accounts儲(chǔ)蓄帳戶
A: I like to open up a savings account please.
B: O.K. We offer a few different kinds.
A: I want the one with the highest interest rate.
B: That would be our Saver’s Plus account.
A: 4.5%, that’s good. How much money do I have to keep in it to get that rate?
B: You have to maintain a balance of $10,000 in the account or the rate drops to 3%.
A: All right. I’ll open one of those.
B: Just fill out these forms, and I’ll be with you in one second.
A: Thanks.
A: 我想在這兒開一個(gè)儲(chǔ)蓄帳戶。
B: 好的，我們有很多種。
A: 我要利息最高的這種。
B: 那可以試試我們的儲(chǔ)值賬戶。
A: 4.5%，不錯(cuò)。要開這種賬戶得存多少錢？
B: 你必須保證有1萬美元的余額存儲(chǔ)否則利率將降至3%。
A: 好的，我就開這種賬戶。
B: 請?zhí)畋?。我馬上就來。
A: 謝謝。
3.Loans貸款
A: Hello, how can I help you, sir?
B: I want to take out a loan for school. What kind of interest rates do you offer?
A: Do you qualify for any of the federal loan programs?
B: Yes, but I need to borrow some more money.
A: Well, in that case, we can offer you a private educational loan.
B: What’s the interest rate?
A: It’s 7.2%, fixed-rate loan.
B: How do I go about taking it out?
A: Just fill out this application. We can let you know right away if you qualify.
B: All right. Thank you.
A: 你好，可以為您效勞嗎，先生？
B: 我想獲得讀書貸款。你們的利息是多少？
A: 你是否具備聯(lián)邦政府的貸款資格呢？
B: 是的，但是我還需要再多借一點(diǎn)。
A: 好的，這樣的話，我們可以向你提供個(gè)人（非政府）教育貸款。
B: 利息是多少呢？
A: 7.2%的固定利息貸款。
B: 要獲得這種貸款要怎么做？
A: 填這份申請表。如果你符合資格我們會(huì)很快通知你的。
B: 好的，謝謝你。
Part Three: Substitution Drills
1. A: How are your (stocks/ assets/ funds) doing, Jim?
B: Fine, thanks.
你的（股票/資產(chǎn)/資金）怎么樣了，吉姆？
不錯(cuò)，謝謝。
2. A: I lost a bunch of money in the last two years.
B: You should change your (brokerage firm/ strategy/ investments).
過去的兩年我賠了很多錢。
你應(yīng)該改變一下你的（經(jīng)紀(jì)公司/策略/投資方向）。
3. A: I invest in good companies that (are promising / have smart management/ a strong record).
B: Now that’s great thinking.
我在一家（前景看好的/管理精明的/紀(jì)錄良好）的公司投資了。
現(xiàn)階段這個(gè)想法很不錯(cuò)。
4. A: Can I help you?
B: I like to (open up a savings account/ change money/ take out a loan), please.
可以為你效勞嗎？
我想開一個(gè)（儲(chǔ)蓄帳戶/換一些錢/獲得貸款）。
5. A: I want the one with the highest (interest rate/ returns/ rate).
B: Certainly.
我想要最高（利息/利潤/利率）。
當(dāng)然。
6. A: You have to maintain a balance of ($10,000/ $100/ $5,000) in the account.
B: I see.
你必須保證有（1萬美元/100美元/5千美元）的余額存儲(chǔ)。
我明白。
7. A: Excuse me, sir.
B: Yes, I’ll be with you in one (second/ moment/ minute).
打擾一下，先生。
好的，我（馬上/很快/立刻）就來。
8. A: I want to take out a loan for (school/ a new house/ new business).
B: I’ll have to do a background check.
我想獲得（讀書/購房/營業(yè)）貸款。
我必須進(jìn)行相關(guān)背景調(diào)查。
9. A: Do you qualify for any of the federal (loan/ scholarship/ aid) programs?
B: I’m not sure.
你具備資格獲得任何聯(lián)邦政府（貸款/獎(jiǎng)學(xué)金/援助項(xiàng)目）嗎？
我不能確定。
10. A: How do I go about (taking it out/ applying/ signing up)?
B: Just fill out these forms and we’ll get back to you.
我如何（獲得/申請/報(bào)名）？
填這些表格，我們會(huì)和你聯(lián)系。
Part Four: Monologue
Loans are a very common in the United States. Americans take out loans to buy a car or a house, and many young people borrow money to go to university. The interest rate on a loan is very important. It is how much money you pay to your lender to be allowed to borrow the money. It is added to your monthly payments. A typical education loan might have an interest rate of 5-8 percent, and take 10 years to pay off. Students do not have to pay for their loans while they are in school under the government loan program. It is a very helpful program considering that going to college can cost as much as $120,000.
在美國，貸款是很普遍的。美國人會(huì)通過借貸來買車，買房，年輕人則會(huì)貸款去上大學(xué)。貸款的利息是很重要的因素。它是你必須付給你的借貸人的那部分錢，附加在你每月支付額之內(nèi)。典型的教育貸款利息可能為5%到8%的利率，分10年付清。如果是政府貸款項(xiàng)目，那么在校期間學(xué)生不需要償還貸款。對(duì)于上大學(xué)要花費(fèi)的12萬美元的費(fèi)用來說，這個(gè)項(xiàng)目很有幫助。
Part Five: Vocabulary and Phrases
--loan 貸款
--interest rate利率
--fixed rate固定利率
--application 申請，請求；申請書
--qualify 取得資格；具備合格條件
--balance 平衡，均衡
--maintain a balance保持（收支）平衡
--invest 投（資）[(+in)]
--investment 投資；投資額；投資物
--stock 貯存，股票，股份
--strategy 策略
