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31-33APlaceofOurACTEllen,I'dlikeyouropinion.Ellen聽聽的意見Aboutwhat?什Well,RichardandIfeelthatwithababycomingRichard我揪weneedtohaveourownplacetolive.我們應(yīng)該有自己的的房Oh.噢Well,whatdoyouthinkaboutRichardandme麼得我和和Richarlookingforasmallhouseoranapartment找一個小住宅或公公atthispointinourlives?Welovehavingyouhere,我們喜歡住這andthereisroom,這有地方and...andwhenthebabycomes,生thebabycanstayinyourroomforawhile.可以住在房間間一段時間Richardfeelsweneedtofindasmallhouse.Richard們行IrememberwhenIwaspregnantwithRichard.我記得當(dāng)我懷著RiichardPhilipandIwerelivingwithGrandmaandGrandpa.Philip與我和爺住在一PhilipwasayoungdoctorPhilip是個andhekepttalkingabouthavingahouseofourown.的It'snatural.的Whatdidyoudo?那怎麼辦Welookedatalotofhouses.子Didyoufindone?Oh,notatfirst.Wecouldn'tafforditGrandpawantedtolendusthemoneytobuyone,要借給我們錢錢去買butPhilipistooindependent.但是Philip性太強(qiáng)Hedidn'twanttoborrowanymoney.SoundslikeRichard.聽起來跟Richard。They'reallalike.他們都是一個樣子子RichardisarealStewart.Richard檔腟tewart代He'sindependent,andsometimesjuststubborn.有時候甚至近乎頑頑固Whendidyoubuyahouse?那在什麼時候候買房子AfterRichardwasborn.等生下Richard後帷Iwasteachingmusic,andPhilipwasopeninghisfirstmedicaloffice.Philip診Wherewasthehouse?Wherewasthehouse?RighthereinRiverdale.RiverddaleOfcourse,itwasasmallhouse,然小butjustrightforusIt'sfunny.Historyrepeatsitself.在在重NowRichardandIarehavingababy,在Richard撾孩andweprobablywon'tbeableto樣affordahouserightawayeither.馬上負(fù)擔(dān)得起一棟棟房Whydon'tyoulookatsomehousesMarilyn?看一MarilyGoodidea.好主意。Lookinthereal-estatesectionofSunday'sTimes.查一查星期天的房地產(chǎn)You'lllearnalot.識Maybeweshould應(yīng)speaktoareal-estateagentaboutahouse.和房地產(chǎn)商談?wù)勔徽勱P(guān)於房子的Andabankaboutamortgage.還要和銀行談 I'lltalktoRichardaboutit.我會與Richard可量Ithinkit'sagoodidea,Ellen.主意Wecanlearnalotbyasking.不少東AndifIcanbeofanyhelp,忙letmeknow.我Asamatteroffact,myfriendVirginiaMartinelliisareal-estateagent.朋友VirginiaaMartinelli個房Good.Good.Youwon'tbelievethis,相butshesoldusourfirsthouseandthisone.的第一棟房子子和這一棟都是她賣Well,I'lllRichard,嗯我會告訴Richhardandwe'llgotoseeher.我們會去找她。Doyouthinktheskirtlengthisright,EllenDoyouthinkit'stoolong?Ithinktheskirtisjustright.適Areyouplanningtoattachatraintoit?地裙擺No.Notrain.Justthedress.套ButIamgoingtomakeaheadpieceoflace.備做Thatdressisgorgeous.麗Thanks,EllenEllenAndthanksfortheadviceaboutthehouse謝謝於房子子的建I'lltalktoRichardaboutit就跟Richardtheminutehecomeshome.來Andremember,welovehavingyouhere.我們喜歡住這There'snoneedtorush.IrememberwhenIwaspregnantwithPhilipandIwerelivingwithGrandmaandPhilipwasayoungdoctorandhekepttalkingabouthavingahouseofourown.It'snatural.IrememberwhenandIwantedaplaceofourlikeMarilynandRichardwantonenow.Allpeopledreamofaplaceoftheirown.SomepeopledreamofafarmhouseintheOtherpeopledreamaboutowninganapartmentinthecity.PhilipandIhadourdreamsPhilipwantedaranchstylehouseinWithafrontdoorwherehispatientscouldenterhisfirstmedicaloffice.IwantedtoliveinRiverdaletoo.ButIwantedaSpanishstyleliketheoneIgrewupinwithtilesontheSo,welookedinthereal-estatesectionofthenewspaper.Wereadaboutlotsofhousesforsale,andwewanttoseeareal-estateagentasMarilynandRichardaregoingtodo.Welookedatlotsandlotsofhouses,butwedidn'thaveenoughmoneytobuyanyofRichardanddon'thavemuchmoney,Maybetheywon'tbeabletoaffordahouse.It'sfunny.HistoryrepeatsRichardandIarehavingababy.Andweprobablywon'tbeabletoaffordahouserightaway,either.Wecouldn'taffordonerightButwekeptlookingandlaterafterRichardwasborn,weboughtahousehereinRiverdale.Itwassmallanditdidn'thavemuchland,butIlovedit.PhilipandIbothlovedBecausefinallywehadaplaceofourown.ACTIrememberyourparents'firsthouseverywell.還清ItwasonSpringAvenue,nearthepark.子是在SpringgAvenue公園附近Igrewupinthathouse.Yes,andyouweresuchacutebaby.I'veseenpicturesofhim.我見過他的Hehadblondhair.他原來是金色頭I'vebeenfriendlywiththeStewartfamilyStewart有foralongtime,soit'smypleasure樂tohelpyoufindahousenow.幫助找房子Well,we'renotsurewecanaffordone.Butwe'dliketofindout但我們想知道aboutthepossibilities.That'sagoodidea.這是個好主意。IloveyourhouseonLindenStreet.我喜 家在Liinden街的房子Isoldyourfatherthathouseseventeenyearsago親Really?Yes,MomwaspregnantwithRobbiethen,是的那時懷懷著Robbiandtheyneededtheextraroom.他們需要多一些空空間Ihearyou'reexpectingababy,Mrs.Stewart.我聽說快有小小孩了Stewart太Mmm-hmm.嗯Sowewillbeneedingmoreroom.空Oh,soyoudon'tneedsomethingimmediay?呵所以不不是急著馬上就No.Butinfiveorsixmonths在五Andtimepassessoquickly.Yes,itdoes.此Well,whenyoucalled,嗯打來yougavemeenoughinformationaboutyoursalariesandyoursavings.SoIhaveagoodideaaboutyourfinancialsituation.所以我對的的財務(wù)狀很了Letmeshowyousomepicturesofhouses.我來給看看一一些房子的WithtwobedroomsYes,IthinkIcanshowyousome.是的我有一些靠梢給看Ofcoursetheywon'tbeinRiverdale.當(dāng)然這些房子不在在Thecostofhousing'stoohighforyouhere.這的房子對們來說太貴Ihaven'tthoughtaboutlivinganywhereelse.沒有We'vealwayslivedinthisarea.住在這個個地Whereshouldwelookforahouse,Mrs.Martinelli?我們應(yīng)該到什麼地地方找房子MartinelliWell,wehaveanofficeinMountKisco.好我們在MountKisco處It'salovelyarea,地andit'sonlyaboutanhour'sdrivefromhere.而且從此地到那andit'sonlyaboutanhour'sdrivefromhere.而且從此地到那Here.這。Ihaveabookwithphotosofsomehomesinthatarea.Now,let'ssee.Here.Thisisalovelytwo-bedroomhouseinyourpricerange.這一棟可愛房子有有兩間臥室在價It'spretty,butIpreferatwo-storyhome.但我喜歡兩層樓的的房Ido,too.我也一樣Idon'tcareforaranchtype.不愛平房OK.Oh,thisisawonderfulhouseIknowitwell.楚Isoldittothepresentowners.Itlookswonderful.Thisisatwo-bedroomtwo-bathhouseIthasafullbasement,全面anditisonahalf-acrelot.Youcanprobablyaffordthisone.這棟房IlikethishouseSodoI.Andthepriceisright.而且價格也合適。Wouldyouliketogoseeit?要去看看嗎Yes.We'replanning是的。我們計劃Yes.We'replanningtotalktosomeoneatthebanknextweek.銀行的人人談一Perhapswecouldseethehousethisweekend.房Ifsomeonedoesn'tbuyitbeforethenButlet'skeeplooking.Justtogetanideaofsomeotherpossibilities.Thisisveryhelpful,Mrs.Martinelli.這樣很有用MarttinelliHere.這。ThisisawonderfulexampleofSpanish-stylearchitecture.Oh,IlovetherooftilesonaSpanish-stylehouse.喜歡ItlookslikethehousesinHollywood.看起來好像是好萊萊塢的房It'sinteresting.AhouselikethisinRiverdalecostsdoublethepriceRiverdale貴一OhmyHere'sarealbuy.這個價格便宜It'sabargain.售Thishousejustcameonthemarket.出出要It'squitelovely.相當(dāng)好看Isitatwo-bedroomhouse的No.Ithasthreebedroomsandthreebaths.不。這棟房子有三三間臥室三間盥洗Iknowthehouse.Ithasabrandnewkitchen.Ithasabrandnewkitchen.Andalivingroomwithatwelve-footceiling.間十二高的的客Andthere'satwo-cargarage.的車Thenwhydon'twegolookatthishouse,too?們何It'sagoodinvestment.資Thankyou,Mrs.Martinelli.謝Martinellli太Thankssomuch.Mypleasure.氣Givemybesttoyourparents.好Yourfather'sawonderfuldoctor,RichardRichardHetookcareofmydaughter我女兒曾受他照顧whenshewasachild.He'sthebestpediatricianinWestchester.他是全WestchesteerThanks,Mrs.Martinelli.謝MartinellliI'llgivethemyourregards.候Wereallyappreciateyouradvice.Idothinkyoushouldgoseethehouses我確實感到應(yīng)應(yīng)該去看看這些andtalktothebank.Here.Letmegiveyousomeinformationsheetsaboutthehouses.我給一些關(guān)於於這些房子的簡They'rebothverygoodbuys.Well,thankssomuchforyourhelpandyourtime,謝Mrs.Martinelli.MartinelliMrs.Martinelli.MartinelliWe'vegotalottotalkabout.我們有很多可商量量的Mmm-hmm.Thanks.Here,thisisalovelytwo-bedroomhouse.Thehousehastwobedrooms.It'satwo-bedroomThisisatwo-bedroom,two-bathhouse.Atwo-bedroom,two-bathIthastwobedroomsandtwobaths.Whataboutthishouse?Well,let'sOnebedroom,twobedrooms,threebedrooms.Ithasthreebedrooms.It'sathree-bedroomhouse.Whataboutthathouse?IlikethisOnebath,twobaths,thishousehastwobaths.It'satwo-bathhouse.Oh,Ialsolikethegarage.Itholdstwocars.It'satwo-carThislookslikeanicehouse.I'vegottoseetheinside.Hmmm.Let'ssee.There'sabigkitchen,adiningroom,alivingroomandonebedroom,twobedrooms,threebedroomsandonebath,twobaths.That'sIthasthreebedroomsandtwobaths.So,whatdidyouthink?Well,it'sathree-bedroom,two-bathhouse.Andyouknow,Ithinkwecouldlivehere.We'llhaveourownhome.It'stheAmericanACTHowdoyoudooI'mRalphRiley.叫RalphI'mRichardStewart,andthisismywife,MarilynRichardStewwartMarilynPleasedtomeetyou.面Likewise,Mr.Riley.RileeyPlease,sitdown.WhatcanIdoforyou?請坐下。我能為你做什We'dliketodiscussamortgage.我們想請教一下貸的Forahouse.Fine.Areyoubuyingahouse好的。是要買買房orareyourefinancingyourpresenthome?的房We'replanningtobuyahouseAndwe'dliketofindoutaboutamortgage.知道Wearecustomersofthebank.客Asamatteroffact,mywholefamilybankshere.Ihavesomequestionstoask.問Doyouownyourhouseordoyourent?自己有房子還還是租Neither.是Welivewithmyparents,Dr.andMrs.PhilipStewart.一起母是PhilipStewart婦Andhowoldareyou?I'mtwenty-nine.I'mthirty.我三十歲。And,Mr.Stewart,whatisyouroccupation?那麼Stewart繕I(yè)'mafreelancephotographer.And,Mrs.Stewart,areyouworking?Stewart太作And,Mrs.Stewart,areyouworking?Stewart太作Yes.I'madesigner,andIworkinaboutique計師Didyoubringanysavingsorsalaryinformation?Lastyear'staxforms?譬如去年的吧晟Yes.Heretheyare.OK.What...whatkindofhousedidyouhaveinmind?好的打算買買什麼樣的We'retalkingaboutbuyingatwo-bedroomhouseinMountKisco.的的房子MountKiscoHerearethefinancialdetailsonthehouse.這是這房子的財務(wù)務(wù)細(xì)節(jié)Thankyou.謝謝你。Areyoupreparedtomakeaten-percentdownpayment?算繳納10%做撾備款Yes,weare.的如Paymentsoverthirtyyears?款Yes.Doyouthinkwecangetaloan?你覺得我們能得到 Well,itdepends.Doyouownanyotherproperty?嗯這還要看情。擁有其他什麼財產(chǎn)Anystocksorbonds?有或債券No.Isee.Thenyoudon'thaveanycollateral.我明白了。那麼你沒有任何擔(dān)保Perhapsyoucouldgetaguarantor--也許你可以找一位位擔(dān)保someonetosignfortheloanforyou.找個人為的貸簽個名Whyisthatnecessary?為什麼有此必要Sinceyoudon'thave e,由於的收入不Sinceyoudon'thave e,由於的收入不andyoudon'talreadyownanyproperty,而又沒有擁有有其他thebankneedstobesureyoucanpaythemortgageeverymonth.能每月按時陡犢睢Aguarantorisresponsiblefortheloan擔(dān)保人要對罡焊涸ifyoucan'tmakethepayments.如果不能還錢Isee.Well,theideaofbuyingahouseisexciting.。嗯Thankyou,Mr.Riley.We'llreadthisovercarefully.謝謝你Riley讀這Thankyou.謝謝Good-bye.Thanks.Good-bye.Andhopetoseeyousoon.再再Ihopesotoo.Takecare.慢走Good-bye.見Itallsoundedsoeasy容untiltheymentionedneedingcollateraloraguarantorWehavenocollateralAndIdon'tthinkit'sagoodidea而且我覺得這不是是個好主toaskDadtosignasaguarantor.請當(dāng)擔(dān)保人為為我簽字Idon'tfeelrightaboutit.我覺得這樣不對。Iunderstandyourfeelingsaboutit,Richard.解你對這種事事的心情Now,lme,what'stheproblem?啊告訴我有什什麼問Wecangetaloanfromthebank我們能夠從銀行得得到 Wecangetaloanfromthebank我們能夠從銀行得得 ifwecanputupsomecollateral.擔(dān)保物Andwedon'townanythingtouseascollateral.是我Orsomeonecansignwithusasaguarantor.人能當(dāng)擔(dān)保保人幫我們簽Whydon'tyouspeaktoDad?為什麼不跟爸說No.Ifwebuyahouse,Iwanttobeabletohandleitalone能夠Everybodyneedshelpsometimes,Richard.IunderstandRichard'sfeelingsaboutit,Ellen.Richard母惺EllenIntwoorthreemonths,I'llhaveanadvanceonmybook的預(yù)andbeabletoputmoremoneydown.備備款的額度WhataboutthehouseinMountKisco?MountKisco呢Somebodyelse'llbuyitbythen.別人也許買走了。Thenthere'llbeotherhouses,Marilyn.MarilynRichardhasapoint.You'rejustbeginningtolook.Richard。哪子而We'reinnogreatrush.It'strue真Thishasbeenagreatlearningexperienceforus,Marilyn.Talkingtothereal-estateagent.與房地產(chǎn)商Lookingatthehouses房Talkingtotheloanofficeratthebank.與銀行的負(fù)責(zé)責(zé)人IthasbeenalearningexperienceThat'strue.真是Ithinkyou'rengtherightthing.Takingyourtime.我覺得做得對對。慢慢Lookingaround.Especiallywithapurchaseofthiskind.You'retalkingaboutalotofmoney.談的可是一大大筆We'llcallMrs.Martinelliandlhertokeeplookingfo

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