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真實生活英語Finance財政金融

所屬教程:真實生活英語

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https://online1.tingclass.net/lesson/shi0529/0000/737/29.mp3
https://image.tingclass.net/statics/js/2012

Unit 29 Finance
財 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.
我想開一個儲蓄帳戶。
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。
A: 是的。我投資因特網(wǎng)也賠了一些錢。
B: 這說明你應該投資具體的公司,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的錢賠了。
A: 哦,天。他的太太聽了肯定會不高興的。

2.Savings Accounts儲蓄帳戶
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: 我想在這兒開一個儲蓄帳戶。
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值賬戶。
A: 4.5%,不錯。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。
A: 好的,這樣的話,我們可以向你提供個人(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,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。
你應該改變一下你的(經(jīng)紀公司/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/紀錄良好)的公司投資了。
現(xiàn)階段這個想法很不錯。

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(儲蓄帳戶/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。
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。
我必須進行相關背景調查。

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/獎學金/援助項目)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/報名)?
填這些表格,我們會和你聯(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。美國人會通過借貸來買車,買房,年輕人則會貸款去上大學。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。典型的教育貸款利息可能為5%到8%的利率,分10年付清。如果是政府貸款項目,那么在校期間學生不需要償還貸款。對于上大學要花費的12萬美元的費用來說,這個項目很有幫助。

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

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