时间:2019-01-16 作者:英语课 分类:2017年NPR美国国家公共电台9月


英语课

 


RACHEL MARTIN, HOST:


Americans' overall household debt has hit a record high, nearly $13 trillion and rising, which makes people wonder if we've already forgotten the lessons of the bubble of borrowing in the run up to the Great Recession. Here's NPR's Chris Arnold.


CHRIS ARNOLD, BYLINE 1: The last time Americans had taken on a record level of debt, we were in the throes of the financial crisis. But the economy's in much better shape now, home loans are being made to people who can actually afford them and a lot of the borrowing is arguably pretty responsible.


SASHA GALLAGHER: My husband and I recently had a baby in February. And we've had a lot of changes in the past year.


ARNOLD: Sasha Gallagher lives outside Richmond, Va. The couple just bought a house. They spent their savings 2 on a down payment. So they used one of those 0 percent credit card offers to buy a whole bunch of stuff for their new home - a washing machine, a refrigerator, a rideable lawnmower.


GALLAGHER: We're at roughly $6,000. And it will probably grow because at this point, we've got appliances on there but we really haven't furnished the home yet.


ARNOLD: That might sound like quite the credit card buying spree, but Gallagher says she hasn't taken leave of her senses.


GALLAGHER: You know, we're still driving both of our old beat up cars basically into the ground because a house in a good school district was more important than a new car.


ARNOLD: And Gallagher just finished pharmacy 3 school and got a good job. So she's gone from being basically a starving student to being the bigger breadwinner for the family. And she says they'll be able to pay off that credit card pretty quickly. Likewise, millions of Americans have found work in recent years. And, of course, spending money keeps the U.S. economy chugging along. So maybe all this debt isn't so bad. On the other hand, some economists 5 don't like this record borrowing. Lucia Dunn is an economist 4 at Ohio State University.


LUCIA DUNN: The new level of debt is cause for alarm.


ARNOLD: Dunn's been studying consumer debt for more than 20 years. Her research shows that overall, only about half of credit card debt gets paid off each month. And so she says that rising credit card debt suggests that more Americans are getting stuck paying those high interest rates.


DUNN: Being in debt is a very stressful way to live. There's a lot of people who are just, you know, in a hole and so stressed out over it. We believe that group is growing.


SUNG WON SOHN: We are beginning to forget the lessons learned from the painful recession in 2007 to 2009.


ARNOLD: Sung Won Sohn is an economist at Cal State. He says he'd like to wave a cautionary flag about all this borrowing.


WON SOHN: Because consumer spending is really the largest portion of the economy and when the time comes for an economic recession, this is going to make the situation worse.


ARNOLD: In addition to all that credit card debt, Americans owe even more on student loans. Sasha Gallagher, who just bought the new house, says that pharmacy school was not cheap.


GALLAGHER: Yeah, I also have, like, a mortgage-worth of student loan payments (laughter). I'd like to not put the actual number on the radio.


ARNOLD: But it's a lot. Still, Gallagher says her degree got her that new job that's got a nice paycheck. Research shows that if you have a college or advanced degree, you're much more likely to own a house and earn a higher salary. But rising student debt is becoming a bigger drag on many Americans' finances. OK, so household debt overall is at a record high, but economist Sung Won Sohn says to keep it in perspective...


WON SOHN: I don't think this is anything like what we faced in 2007.


ARNOLD: For one thing, we don't have the systemic risk of financial collapse 6 that we had back then when banks were making those huge bets on bad mortgages. Also, Americans' incomes have been slowly rising. So while overall debt is at a new high, it's still a lower percentage of people's incomes than it was when the financial crisis hit. Chris Arnold, NPR News.



n.署名;v.署名
  • His byline was absent as well.他的署名也不见了。
  • We wish to thank the author of this article which carries no byline.我们要感谢这篇文章的那位没有署名的作者。
n.存款,储蓄
  • I can't afford the vacation,for it would eat up my savings.我度不起假,那样会把我的积蓄用光的。
  • By this time he had used up all his savings.到这时,他的存款已全部用完。
n.药房,药剂学,制药业,配药业,一批备用药品
  • She works at the pharmacy.她在药房工作。
  • Modern pharmacy has solved the problem of sleeplessness.现代制药学已经解决了失眠问题。
n.经济学家,经济专家,节俭的人
  • He cast a professional economist's eyes on the problem.他以经济学行家的眼光审视这个问题。
  • He's an economist who thinks he knows all the answers.他是个经济学家,自以为什么都懂。
n.经济学家,经济专家( economist的名词复数 )
  • The sudden rise in share prices has confounded economists. 股价的突然上涨使经济学家大惑不解。
  • Foreign bankers and economists cautiously welcomed the minister's initiative. 外国银行家和经济学家对部长的倡议反应谨慎。 来自《简明英汉词典》
vi.累倒;昏倒;倒塌;塌陷
  • The country's economy is on the verge of collapse.国家的经济已到了崩溃的边缘。
  • The engineer made a complete diagnosis of the bridge's collapse.工程师对桥的倒塌做了一次彻底的调查分析。
学英语单词
aborsement
acer pilosum maxim.
Adalate
adjustment cost
aesthetic appreciation of map
angle of back of tooth
appletalk - link access protocol
as reason was
aseptic package
automatic moving-target indicator
benchmarkers
biochemical reactor
biostrategy
blesome
blind tigers
Blue Angels
body pigment
brushmarks
cancel slow down and shutdown
ceridians
channel mode
climbing fibers
coal unloader
compressed air type sprayer
coronary suture (coronal suture)
currency policy
DC shunt generator
defaste
dentode
Distylium
double annular tuyere
effoliate
electric signal
escape death by a hairbreadth
fetchet
footes
fustiness
gemmer
give good returns
golongan
gotten out of repair
Guiscard
hair growth
Harkin's rule
hhok
HKEY_CLASSES_ROOT
hot hubbing
hyperdescent
hypochrome
hypopituitarisms
insulated static wire
inward-moving
Jindyworobak
Kuǔp
Mareb Shet'
marsellus
mental maladjustment
mireh
Molykote
multi-tube evaporator
multilist software
Namam-ni
nevadite
nomen oblitum
Nomersan
non-combustible materials
non-direction
organo chlorine insecticide
pathwayz
pre-emphasis circuit
QBP
rascalries
reclaim
red spiders
residual gas atom
rogin
rossetter
roughing down mill
ruffle someone's feathers
saltatoryreplication
Saxifraga saxatilis
scarin'
semi automatic seal
sick to death of
sod-off
soft-shoest
spiraperturate
SPL (sound pressure level)
sporocarps
steam supply valve
suche
superteachers
switch jumper
takamotoes
Terence Rattigan
tip-curved forceps
trailer type sprayer
Vogit loudspeaker
vulnerability assessment intrusion detector
wackyparse
win on points