真实生活英语Unit29:Finance财政金融

Unit 29 Finance

财 政 金 融

Part One: Expressions

1. How are your stocks doing, Jim?

吉姆，你的股票怎么样了？

2. I lost a bunch of money in the last two years.

过去两年我赔了很多钱。

3. I changed my strategy around too. 

我改变了自己的策略。

4. I like to open up a savings 1 account please.

我想开一个储蓄帐户。

5. I want the one with the highest interest rate.

我想要最高利息的那种。

6. You have to maintain a balance of $10,000 in the account.

你必须在账户里保持1万元的余额。

7. I’ll be with you in one second.

我马上就来。

8. I want to take out a loan for school. 

我想获得读书贷款。

9. Do you qualify for any of the federal loan programs?

你具备获得联邦政府贷款项目的资格吗？

10. How do I go about taking it out?

怎么样可以获得？

Part Two: Dialogues

1.Investments投资

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: 你的股票怎么样了，吉姆。

B: 哦，还可以。我去年这两年赔了一些钱，但是今年很不错。

A: 是的。我投资因特网也赔了一些钱。

B: 这说明你应该投资具体的公司，而不光是一些概念。

A: 我也改变了我的策略，我现在投资前景好的公司。

B: 是的，我也是。你知道弗兰克的事情吗？

A: 没有，怎么了？

B: 他做生意把孩子上大学的钱赔了。

A: 哦，天。他的太太听了肯定会不高兴的。

2.Savings Accounts储蓄帐户

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: 我想在这儿开一个储蓄帐户。

B: 好的，我们有很多种。

A: 我要利息最高的这种。

B: 那可以试试我们的储值账户。

A: 4.5%，不错。要开这种账户得存多少钱？

B: 你必须保证有1万美元的余额存储否则利率将降至3%。

A: 好的，我就开这种账户。

B: 请填表。我马上就来。

A: 谢谢。

3.Loans贷款

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，可以为您效劳吗，先生？

B: 我想获得读书贷款。你们的利息是多少？

A: 你是否具备联邦政府的贷款资格呢？

B: 是的，但是我还需要再多借一点。

A: 好的，这样的话，我们可以向你提供个人（非政府）教育贷款。

B: 利息是多少呢？

A: 7.2%的固定利息贷款。

B: 要获得这种贷款要怎么做？

A: 填这份申请表。如果你符合资格我们会很快通知你的。

B: 好的，谢谢你。

Part Three: Substitution Drills

1. A: How are your (stocks/ assets/ funds) doing, Jim?

  B: Fine, thanks.

你的（股票/资产/资金）怎么样了，吉姆？

    不错，谢谢。

2. A: I lost a bunch of money in the last two years.

  B: You should change your (brokerage firm/ strategy/ investments).

过去的两年我赔了很多钱。

你应该改变一下你的（经纪公司/策略/投资方向）。

3. A: I invest in good companies that (are promising 2 / 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/纪录良好）的公司投资了。

现阶段这个想法很不错。

4. A: Can I help you?

  B: I like to (open up a savings account/ change money/ take out a loan), please.

可以为你效劳吗？

我想开一个（储蓄帐户/换一些钱/获得贷款）。

5. A: I want the one with the highest (interest rate/ returns/ rate).

  B: Certainly.

我想要最高（利息/利润/利率）。

当然。

6. A: You have to maintain a balance of ($10,000/ $100/ $5,000) in the account.

   B: I see.

你必须保证有（1万美元/100美元/5千美元）的余额存储。

我明白。

7. A: Excuse me, sir.

  B: Yes, I’ll be with you in one (second/ moment/ minute).

打扰一下，先生。

好的，我（马上/很快/立刻）就来。

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.

    我想获得（读书/购房/营业）贷款。

我必须进行相关背景调查。

9. A: Do you qualify for any of the federal (loan/ scholarship/ aid) programs?

  B: I’m not sure.

你具备资格获得任何联邦政府（贷款/奖学金/援助项目）吗？

我不能确定。

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（获得/申请/报名）？

填这些表格，我们会和你联系。

Part Four: Monologue 3

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.

在美国，贷款是很普遍的。美国人会通过借贷来买车，买房，年轻人则会贷款去上大学。贷款的利息是很重要的因素。它是你必须付给你的借贷人的那部分钱，附加在你每月支付额之内。典型的教育贷款利息可能为5%到8%的利率，分10年付清。如果是政府贷款项目，那么在校期间学生不需要偿还贷款。对于上大学要花费的12万美元的费用来说，这个项目很有帮助。

Part Five: Vocabulary and Phrases

--loan  贷款

--interest rate利率

--fixed rate固定利率

--application 申请，请求；申请书

--qualify  取得资格；具备合格条件

--balance 平衡，均衡

--maintain a balance保持（收支）平衡

--invest  投（资）[(+in)]

--investment 投资；投资额；投资物

--stock 贮存，股票，股份

--strategy  策略