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第十一课 A Place of Our Own
ACT I
Ellen, I'd like your opinion. Ellen 我想听听 的意见。
About what? 关於什麽
Well, Richard and I feel that with a baby coming 嗯 Richard和我揪 得孩子快要出生了
we need to have our own place to live. 我们应该有自己的的房子
Oh. 噢。
Well, what do you think about Richard and me 那麽 觉得我和和Richar
looking for a small house or an apartment 找一个小住宅或公公
at this point in our lives? 在这个时候怎麽样
We love having you here, 我们喜欢你们住这
and there is room, 这 有地方
and ... and when the baby comes, 而且……而且婴儿儿出生以
the baby can stay in your room for a while. 可以住在你们房间间一段时间
Richard feels we need to find a small house. Richard觉得我们行 要一个小住宅。
I remember when I was pregnant with Richard. 我记得当我怀著Riichard时
Philip and I were living with Grandma and Grandpa. Philip与我和爷爷爷 奶奶住在一起
Philip was a young doctor, Philip当时是个年年轻的大
and he kept talking about having a house of our own. 他老说要有自己的的家
It's natural. 这是很自然的。
What did you do? 那你们怎麽办呢
We looked at a lot of houses. 我们看了好多房子子
Did you find one? 找到合适的吗
Oh, not at first. 噢 没有马上找到到
We couldn't afford it. 我们当时不够钱。
Grandpa wanted to lend us the money to buy one, 爷爷要借给我们钱钱去买房
but Philip is too independent. 但是Philip的独*立立性太强了
He didn't want to borrow any money. 他不想借钱。
Sounds like Richard. 听起来跟Richard乙 样。
They're all alike. 他们都是一个样子子
Richard is a real Stewart. Richard是个典型档腟tewart家後代。
He's independent, 他的独*立性强
and sometimes just stubborn. 有时候甚至近乎顽顽固
When did you buy a house? 那你们在什麽时候候买房子
After Richard was born. 等生下Richard之後帷
I was teaching music, 我当时教音乐
and Philip was opening his first medical office. 而Philip则第一次次开诊所
Where was the house? 房子在什麽地方
Where was the house? 房子在什麽地方
Right here in Riverdale. 就在这 Riverddale。
Of course, it was a small house, 当然 那是一栋小小房
but just right for us. 但正好够我们住。
It's funny. History repeats itself. 真有意思。历史在在重演
Now Richard and I are having a baby, 现在 Richard和挝 有了孩子
and we probably won't be able to 而我们也许也一样样不
afford a house right away, either. 马上负担得起一栋栋房子
Why don't you look at some houses, Marilyn? 何不去看一看房房子呢 Marily
Good idea. 好主意。
Look in the real-estate section of Sunday's Times. 查一查星期天的 纽约时报 房地产版
You'll learn a lot. 会增长不少见识识
Maybe we should 也许我们应该
speak to a real-estate agent about a house. 和房地产仲介商谈谈一谈关於房子的事
And a bank about a mortgage. 还要和银行谈谈 睢
I'll talk to Richard about it. 我会与Richard商亮可 量。
I think it's a good idea, Ellen. 我觉得这是个好主主意 Ellen
We can learn a lot by asking. 我们到处问问会学学到不少东西
And if I can be of any help, 如果我能有所帮忙忙的
let me know. 告诉我。
As a matter of fact, 事实上
my friend Virginia Martinelli is a real-estate agent. 我的朋友Virginiaa Martinelli就是个房地产仲介。
Good. 好极了。
Good. 好极了。
You won't believe this, 简直不会相信
but she sold us our first house and this one. 我们的第一栋房子子和这一栋都是她卖的
Well, I'll tell Richard, 嗯 我会告诉Richhard
and we'll go to see her. 我们会去找她。
Do you think the skirt length is right, Ellen? 觉得这裙子长度度合适
Do you think it's too long? 你会不会觉得太长长
I think the skirt is just right. 我觉得长度合适。
Are you planning to attach a train to it? 准备加拖地裙摆摆
No. No train. Just the dress. 不 不加裙摆。就就是这样连身套装
But I am going to make a headpiece of lace. 但我准备做一个蕾蕾丝头饰
That dress is gorgeous. 这套服装真华丽。
Thanks, Ellen. 谢谢 Ellen。
And thanks for the advice about the house. 也谢谢 关於房子子的建议
I'll talk to Richard about it 我就跟Richard商
the minute he comes home. 他一回来。
And remember, 记住
we love having you here. 我们喜欢你们住这这
There's no need to rush. 没有必要急急忙忙忙
I remember when I was pregnant with Richard,
Philip and I were living
with Grandma and Grandpa.
Philip was a young doctor
and he kept talking about
having a house of our own.
It's natural.
I remember when Philip
and I wanted a place of our own,
like Marilyn and Richard want one now.
All people dream of a place of their own.
Some people dream of a farm house in the country.
Other people dream about owning
an apartment in the city.
Philip and I had our dreams too.
Philip wanted a ranch style house in Riverdale,
With a front door where his patients
could enter his first medical office.
I wanted to live in Riverdale too.
But I wanted a Spanish style house,
like the one I grew up in with tiles on the roof.
So, we looked in the real-estate section
of the newspaper.
We read about lots of houses for sale,
and we want to see a real-estate agent
as Marilyn and Richard are going to do.
We looked at lots and lots of houses,
but we didn't have enough money
to buy any of them.
Richard and Marilyn
don't have much money, either.
Maybe they won't be able to afford a house.
It's funny.
History repeats itself.
Richard and I are having a baby.
And we probably won't be able to
afford a house right away, either.
We couldn't afford one right away.
But we kept looking and later after Richard was born,
we bought a house here in Riverdale.
It was small and it didn't have much land,
but I loved it.
Philip and I both loved it.
Because finally we had
a place of our own.
ACT II
I remember your parents' first house very well. 我还清楚记得你父父母的第一栋房子
It was on Spring Avenue, near the park. 那房子是在Springg Avenue 公园附近。
I grew up in that house. 我就在那栋房子长长大的
Yes, and you were such a cute baby. 对 你当时是个很很逗人喜爱的婴儿
I've seen pictures of him. 我见过他的照片。
He had blond hair. 他原来是金色头 。
I've been friendly with the Stewart family 我和Stewart家有浇磺
for a long time, 很久了
so it's my pleasure 所以现在我很乐意
to help you find a house now. 帮助你们找房子。
Well, we're not sure we can afford one. 嗯 我们还不知道道是不是负担得起
But we'd like to find out 但我们想知道
about the possibilities. 有多大的可能性。
That's a good idea. 这是个好主意。
I love your house on Linden Street. 我喜欢你们家在Liinden街的房子。
I sold your father that house seventeen years ago. 十七年前我把那栋栋房子卖给你父亲的
Really? 真的
Yes, Mom was pregnant with Robbie then, 是的 那时妈妈怀怀著Robbi
and they needed the extra room. 他们需要多一些空空间
I hear you're expecting a baby, Mrs. Stewart. 我听说你们快有小小孩了 Stewart太太
Mmm-hmm. 嗯。
So we will be needing more room. 所以我们也将需要要更大的空间
Oh, so you don't need something immediately? 呵 所以你们 不不是急著马上就要
No. But in five or six months ... 不急。但是在五 六个月後……
And time passes so quickly. 可是时间过得很快快
Yes, it does. 是的 确实如此。
Well, when you called, 嗯 你们打电话来来
you gave me enough information 已经给了我充分的的资
about your salaries and your savings. 关於薪资和储蓄。
So I have a good idea about your financial situation. 所以 我对你们的的财务状 很了解
Let me show you some pictures of houses. 我来给你们看看一一些房子的照片
With two bedrooms? 有两间卧室吗
Yes, I think I can show you some. 是的 我有 一些靠梢 给你们看。
Of course, they won't be in Riverdale. 当然这些房子不在在Riverdal
The cost of housing's too high for you here. 这 的房子对你们们来说太贵了
I haven't thought about living anywhere else. 我还没有考虑要住住到别的地方去
We've always lived in this area. 我们一直住在这个个地区
Where should we look for a house, Mrs. Martinelli? 我们应该到什麽地地方找房子 Martinelli太
Well, we have an office in Mount Kisco. 好 我们在Mount Kisco有个办事处。
It's a lovely area, 那 是个可爱的地地
and it's only about an hour's drive from here. 而且从此地到那 只有大约一小时的车程。
and it's only about an hour's drive from here. 而且从此地到那 只有大约一小时的车程。
Here. 这 。
I have a book with photos of some homes in that area. 我有一本那个地区区房子的照片
Now, let's see. Here. 来 我们看看。这这
This is a lovely two-bedroom house in your price range. 这一栋可爱房子有有两间卧室 在你们价格范围内
It's pretty, 是漂亮
but I prefer a two-story home. 但我喜欢两层楼的的房子
I do, too. 我也一样。
I don't care for a ranch type. 不爱平房。
OK. 好的。
Oh, this is a wonderful house. 啊 这是一栋很好好的房子
I know it well. 我非常清楚。
I sold it to the present owners. 是我把它卖给了现现在的主人
It looks wonderful. 看起来很好看。
This is a two-bedroom, two-bath house. 这是一栋有两间卧卧室 两间盥洗室的房子
It has a full basement, 全面地下室
and it is on a half-acre lot. 用地半英亩。
You can probably afford this one. 你可能负担得起这这栋房子
I like this house. 我喜欢这栋房子。
So do I. 我也喜欢。
And the price is right. 而且价格也合适。
Would you like to go see it? 你们要去看看吗
Yes. We're planning 是的。我们计划
Yes. We're planning 是的。我们计划
to talk to someone at the bank next week. 下星期与银行的人人谈一谈
Perhaps we could see the house this weekend. 也许这周末我们会会去看看这栋房子
If someone doesn't buy it before then, 如果在此之前没有有人买走的话
But let's keep looking. 让我们继续看下去去
Just to get an idea of some other possibilities. 瞧瞧其他可能的选选择
This is very helpful, Mrs. Martinelli. 这样很有用 Marttinelli太太。
Here. 这 。
This is a wonderful example of Spanish-style architecture. 这是栋很棒的典型型西班牙式建筑
Oh, 噢
I love the roof tiles on a Spanish-style house. 我喜欢西班牙式房房屋的屋顶瓦
It looks like the houses in Hollywood. 看起来好像是好莱莱坞的房子
It's interesting. 很有趣。
A house like this in Riverdale costs double the price. 在Riverdale像这蜒 的房子价格要贵一倍。
Oh my! 啊
Here's a real buy. 这个价格便宜。
It's a bargain. 真是大廉售。
This house just came on the market. 这栋房子刚刚推出出要卖
It's quite lovely. 相当好看。
Is it a two-bedroom house? 是两个卧室的吗
No. It has three bedrooms and three baths. 不。这栋房子有三三间卧室 三间盥洗室
I know the house. 我熟悉这房子
It has a brand new kitchen. 有一个全新的厨房房
It has a brand new kitchen. 有一个全新的厨房房
And a living room with a twelve-foot ceiling. 有一间十二 高的的客厅
And there's a two-car garage. 还有一个可放两辆辆车的车库
Then why don't we go look at this house, too? 那我们何不也去看看看这栋房
It's a good investment. 这是一项好投资。
Thank you, Mrs. Martinelli. 谢谢 Martinellli太太。
Thanks so much. 非常感谢。
My pleasure. 不客气。
Give my best to your parents. 替我向你父母问好好
Your father's a wonderful doctor, Richard. 你父亲是个了不起起的医生 Richard
He took care of my daughter 我女儿曾受他照顾
when she was a child. 在她小时候。
He's the best pediatrician in Westchester. 他是全Westchesteer最好的小儿科医师。
Thanks, Mrs. Martinelli. 谢谢 Martinellli太太。
I'll give them your regards. 我会向他们转达 的问候。
We really appreciate your advice. 我们非常感谢 的的建议
I do think you should go see the houses 我确实感到你们应应该去看看这些房
and talk to the bank. 且和银行谈一谈谈
Here. 来
Let me give you some information sheets about the houses. 我给你们一些关於於这些房子的简介
They're both very good buys. 这两栋都是价格便便宜的
Well, thanks so much for your help and your time, 好的 感谢 的帮帮助 用了 的时间
Mrs. Martinelli. Martinelli太太。
Mrs. Martinelli. Martinelli太太。
We've got a lot to talk about. 我们有很多可商量量的了
Mmm-hmm. Thanks. 嗯。谢谢。
Here, this is a lovely two-bedroom house.
The house has two bedrooms.
It's a two-bedroom house.
This is a two-bedroom, two-bath house.
Hmmm.
A two-bedroom, two-bath house.
It has two bedrooms and two baths.
What about this house?
Well, let's see.
One bedroom, two bedrooms, three bedrooms.
It has three bedrooms.
It's a three-bedroom house.
What about that house?
I like this house.
One bath, two baths, this house has two baths.
It's a two-bath house.
Oh, I also like the garage.
It holds two cars.
It's a two-car garage.
This looks like a nice house.
I've got to see the inside.
Hmmm. Let's see.
There's a big kitchen, a dining room,
a living room and one bedroom,
two bedrooms, three bedrooms
and one bath, two baths.
That's good.
It has three bedrooms and two baths.
So, what did you think?
Well, it's a three-bedroom, two-bath house.
And you know, I think we could live here.
We'll have our own home.
It's the American Dream.
ACT III
How do you do? 你好
Hello. 哈
I'm Ralph Riley. 我叫Ralph Riley
I'm Richard Stewart, and this is my wife, Marilyn. 我叫Richard Stewwart 这是我妻子 Marilyn。
Pleased to meet you. 很高兴与你见面。
Likewise, Mr. Riley. 我们也一样 Rileey先生。
Please, sit down. What can I do for you? 请坐下。我能为你你们做什麽
We'd like to discuss a mortgage. 我们想请教一下贷贷款的事
For a house. 为了房子。
Fine. Are you buying a house 好的。你们是要买买房子
or are you refinancing your present home? 还是原有的房子重重新申请贷
We're planning to buy a house. 我们计划买一栋房房子
And we'd like to find out about a mortgage. 我们想知道如何贷贷款
We are customers of the bank. 我们是贵行的顾客客
As a matter of fact, my whole family banks here. 事实上 我们全家家都是贵行的顾客
I have some questions to ask. 我有一些问题要问问
Do you own your house or do you rent? 你们自己有房子还还是租房
Neither. 都不是。
We live with my parents, Dr. and Mrs. Philip Stewart. 我们和父母住在一一起 我父母是Philip Stewart夫妇
And how old are you? 你几岁了
I'm twenty-nine. 我二十九岁。
I'm thirty. 我三十岁。
And, Mr. Stewart, what is your occupation? 那麽 Stewart先缮 你的职业呢
I'm a freelance photographer. 我是自*由摄影师。
And, Mrs. Stewart, are you working? 嗯 Stewart太太 你有工作吗
And, Mrs. Stewart, are you working? 嗯 Stewart太太 你有工作吗
Yes. I'm a designer, and I work in a boutique. 是的 我是位设计计师 我在一家服装店工作
Did you bring any savings or salary information? 你是否带来储蓄和和薪资的相关资
Last year's tax forms? 譬如去年的 伤吧晟 报表
Yes. Here they are. 带来了 在这 。
OK. What ... what kind of house did you have in mind? 好的 你们打算买买什麽样的房
We're talking about buying 我们在商量购买
a two-bedroom house in Mount Kisco. 一栋有两间卧室的的房子 在Mount Kisco
Here are the financial details on the house. 这是这房子的财务务细节
Thank you. 谢谢你。
Are you prepared to make a ten-percent down payment? 你打算缴纳10%做挝 备款吗
Yes, we are. 是的 我们准备如如此
Payments over thirty years? 三十年分期付款吗
Yes. 是的。
Do you think we can get a loan? 你觉得我们能得到到 盥
Well, it depends. Do you own any other property? 嗯 这还要看情 。你们拥有其他什麽财产吗
Any stocks or bonds? 有股票或债券吗
No. 没有。
I see. Then you don't have any collateral. 我明白了。那麽你你们没有任何担保物
Perhaps you could get a guarantor-- 也许你可以找一位位担保
someone to sign for the loan for you. 找个人为你们的贷贷款签个名
Why is that necessary? 为什麽有此必要
Since you don't have enough income, 由於你们的收入不不
Since you don't have enough income, 由於你们的收入不不
and you don't already own any property, 而你们又没有拥有有其他财
the bank needs to be sure 银行需要确定
you can pay the mortgage every month. 你们能每月按时 陡犊睢
A guarantor is responsible for the loan 担保人要对 罡焊涸
if you can't make the payments. 如果你们不能还钱
I see. Well, the idea of buying a house is exciting. 我明白了。嗯 买买房子的念头叫人兴奋过头
Thank you, Mr. Riley. We'll read this over carefully. 谢谢你 Riley先缮 。我们会仔细阅读这些。
Thank you. 谢谢你们。
Good-bye. Thanks. 再见。谢谢。
Good-bye. And hope to see you soon. 再见。希望很快再再见到你们
I hope so, too. 我也希望如此。
Take care. 慢走。
Good-bye. 再见。
It all sounded so easy 一切听起来都那麽麽容易
until they mentioned needing collateral or a guarantor. 在他们提到担保物物或担保人之
We have no collateral. 我们没有担保物。
And I don't think it's a good idea 而且我觉得这不是是个好主
to ask Dad to sign as a guarantor. 请爸爸当担保人为为我签字
I don't feel right about it. 我觉得这样不对。
I understand your feelings about it, Richard. 我了解你对这种事事的心情 Richard
Now, tell me, what's the problem? 啊 告诉我 有什什麽问
We can get a loan from the bank 我们能够从银行得得到 睢
We can get a loan from the bank 我们能够从银行得得到 睢
if we can put up some collateral. 如果我们能提供担担保物的
And we don't own anything to use as collateral. 可是我们没有任何何可以做担保物的东西
Or someone can sign with us as a guarantor. 或者有人能当担保保人帮我们签字
Why don't you speak to Dad? 你们为什麽不跟爸爸爸说说
No. If we buy a house, I want to be able to handle it alone. 不 如果我们买房房子 我希望能够自行负责
Everybody needs help sometimes, Richard. 每个人都有需要帮帮助的时候 Richard
I understand Richard's feelings about it, Ellen. 我了解Richard对创说母惺 Ellen。
In two or three months, I'll have an advance on my book 两到三个月後 我我能得到我那本书的预付
and be able to put more money down. 也就可以增加自备备款的额度
What about the house in Mount Kisco? 在Mount Kisco的贩 子呢
Somebody else'll buy it by then. 别人也许买走了。
Then there'll be other houses, Marilyn. 还会有别的房子 Marilyn。
Richard has a point. You're just beginning to look. Richard说得对。哪 们只是开始看房子而已。
We're in no great rush. It's true. 我们 不很急 这这是真的
This has been a great learning experience for us, Marilyn. 这对我们是一次很很好的学习经验 Marilyn
Talking to the real-estate agent. 与房地产仲介商谈
Looking at the houses. 看房子
Talking to the loan officer at the bank. 与银行的贷款负责责人谈
It has been a learning experience. That's true. 这真是一次学习经经验 真的
I think you're doing the right thing. Taking your time. 我觉得你们做得对对。慢慢
Looking around. Especially with a purchase of this kind. 到处看看 特别是是这一类买卖
20,2790,420,2790,15,3870,15,3870,420,4815,420,4815,15,5280,15,52,420,7785,420
20,2790,420,2790,15,3870,15,3870,420,4815,420,4815,15,5280,15,52,420,7785,420
You're talking about a lot of money. 你们谈的可是一大大笔钱
We'll call Mrs. Martinelli and tell her to keep looking for us. 我们会打电话给Maartinelli太太告诉她继续帮我们物色房子?
And I'll call Mr. Riley at the bank 我打电话到银行给给Riley先
and tell him we'll see him in a couple of months. 告诉他过几个月我我们再去找他
And if you ever need Dad or me to help you ... 如果你们的确需要要我和爸爸的帮助的话 …
We know. 我们知道。
You know we'll be there for you. 你们知道我们是会会伸出援手的
It's a Stewart tradition. We're a family. 这是Stewart家的创 。我们是一家人。
"They want to buy a house.
But can they afford it?"
We're planning to buy a house.
And we'd like to find out about mortgage.
"Here's the application. We need some information."
"How old are you?"
I'm 29. I'm 30.
"How many years were they in school?"
Richard, 16. Marilyn, 14.
"And Mr. Stewart, what's your occupation?"
I'm a freelance photographer.
"And Mrs. Stewart, are you working?"
Yes, I'm a designer and I work in a boutique.
"Here's the application. We need some information."
Income. Property. Debt.
What's their income?
How much money do they make?
They make $2,000 a month.
That's $24,000 a year.
Can they afford a house?
Do you own your house or do you rent?
Do you own any other property?
Any stocks or bonds?
"Can they afford a house?"
Since you don't have enough income,
and you don't already own any property,
the bank needs to be sure
you can pay the mortgage every month.
"They need a guarantor."
A guarantor is responsible for the loan
if you can't make the payments.
I see.
"They can't afford a house."
And I don't think its a good idea to ask Dad
to sign as a guarantor.
I don't feel right about it.
"They can't afford a house.
They can't afford it yet."
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