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31-33APlaceofOurACTEllen,I'dlikeyouropinion.Ellen听听的意见Aboutwhat?什Well,RichardandIfeelthatwithababycomingRichard我揪weneedtohaveourownplacetolive.我们应该有自己的的房Oh.噢Well,whatdoyouthinkaboutRichardandme麽得我和和Richarlookingforasmallhouseoranapartment找一个小住宅或公公atthispointinourlives?Welovehavingyouhere,我们喜欢住这andthereisroom,这有地方and...andwhenthebabycomes,生thebabycanstayinyourroomforawhile.可以住在房间间一段时间Richardfeelsweneedtofindasmallhouse.Richard们行IrememberwhenIwaspregnantwithRichard.我记得当我怀著RiichardPhilipandIwerelivingwithGrandmaandGrandpa.Philip与我和爷住在一PhilipwasayoungdoctorPhilip是个andhekepttalkingabouthavingahouseofourown.的It'snatural.的Whatdidyoudo?那怎麽办Welookedatalotofhouses.子Didyoufindone?Oh,notatfirst.Wecouldn'tafforditGrandpawantedtolendusthemoneytobuyone,要借给我们钱钱去买butPhilipistooindependent.但是Philip性太强Hedidn'twanttoborrowanymoney.SoundslikeRichard.听起来跟Richard。They'reallalike.他们都是一个样子子RichardisarealStewart.Richard档腟tewart代He'sindependent,andsometimesjuststubborn.有时候甚至近乎顽顽固Whendidyoubuyahouse?那在什麽时候候买房子AfterRichardwasborn.等生下Richard後帷Iwasteachingmusic,andPhilipwasopeninghisfirstmedicaloffice.Philip诊Wherewasthehouse?Wherewasthehouse?RighthereinRiverdale.RiverddaleOfcourse,itwasasmallhouse,然小butjustrightforusIt'sfunny.Historyrepeatsitself.在在重NowRichardandIarehavingababy,在Richard挝孩andweprobablywon'tbeableto样affordahouserightawayeither.马上负担得起一栋栋房Whydon'tyoulookatsomehousesMarilyn?看一MarilyGoodidea.好主意。Lookinthereal-estatesectionofSunday'sTimes.查一查星期天的房地产You'lllearnalot.识Maybeweshould应speaktoareal-estateagentaboutahouse.和房地产商谈谈一谈关於房子的Andabankaboutamortgage.还要和银行谈 I'lltalktoRichardaboutit.我会与Richard可量Ithinkit'sagoodidea,Ellen.主意Wecanlearnalotbyasking.不少东AndifIcanbeofanyhelp,忙letmeknow.我Asamatteroffact,myfriendVirginiaMartinelliisareal-estateagent.朋友VirginiaaMartinelli个房Good.Good.Youwon'tbelievethis,相butshesoldusourfirsthouseandthisone.的第一栋房子子和这一栋都是她卖Well,I'lllRichard,嗯我会告诉Richhardandwe'llgotoseeher.我们会去找她。Doyouthinktheskirtlengthisright,EllenDoyouthinkit'stoolong?Ithinktheskirtisjustright.适Areyouplanningtoattachatraintoit?地裙摆No.Notrain.Justthedress.套ButIamgoingtomakeaheadpieceoflace.备做Thatdressisgorgeous.丽Thanks,EllenEllenAndthanksfortheadviceaboutthehouse谢谢於房子子的建I'lltalktoRichardaboutit就跟Richardtheminutehecomeshome.来Andremember,welovehavingyouhere.我们喜欢住这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.还清ItwasonSpringAvenue,nearthepark.子是在SpringgAvenue公园附近Igrewupinthathouse.Yes,andyouweresuchacutebaby.I'veseenpicturesofhim.我见过他的Hehadblondhair.他原来是金色头I'vebeenfriendlywiththeStewartfamilyStewart有foralongtime,soit'smypleasure乐tohelpyoufindahousenow.帮助找房子Well,we'renotsurewecanaffordone.Butwe'dliketofindout但我们想知道aboutthepossibilities.That'sagoodidea.这是个好主意。IloveyourhouseonLindenStreet.我喜 家在Liinden街的房子Isoldyourfatherthathouseseventeenyearsago亲Really?Yes,MomwaspregnantwithRobbiethen,是的那时怀怀著Robbiandtheyneededtheextraroom.他们需要多一些空空间Ihearyou'reexpectingababy,Mrs.Stewart.我听说快有小小孩了Stewart太Mmm-hmm.嗯Sowewillbeneedingmoreroom.空Oh,soyoudon'tneedsomethingimmediay?呵所以不不是急著马上就No.Butinfiveorsixmonths在五Andtimepassessoquickly.Yes,itdoes.此Well,whenyoucalled,嗯打来yougavemeenoughinformationaboutyoursalariesandyoursavings.SoIhaveagoodideaaboutyourfinancialsituation.所以我对的的财务状很了Letmeshowyousomepicturesofhouses.我来给看看一一些房子的WithtwobedroomsYes,IthinkIcanshowyousome.是的我有一些靠梢给看Ofcoursetheywon'tbeinRiverdale.当然这些房子不在在Thecostofhousing'stoohighforyouhere.这的房子对们来说太贵Ihaven'tthoughtaboutlivinganywhereelse.没有We'vealwayslivedinthisarea.住在这个个地Whereshouldwelookforahouse,Mrs.Martinelli?我们应该到什麽地地方找房子MartinelliWell,wehaveanofficeinMountKisco.好我们在MountKisco处It'salovelyarea,地andit'sonlyaboutanhour'sdrivefromhere.而且从此地到那andit'sonlyaboutanhour'sdrivefromhere.而且从此地到那Here.这。Ihaveabookwithphotosofsomehomesinthatarea.Now,let'ssee.Here.Thisisalovelytwo-bedroomhouseinyourpricerange.这一栋可爱房子有有两间卧室在价It'spretty,butIpreferatwo-storyhome.但我喜欢两层楼的的房Ido,too.我也一样Idon'tcareforaranchtype.不爱平房OK.Oh,thisisawonderfulhouseIknowitwell.楚Isoldittothepresentowners.Itlookswonderful.Thisisatwo-bedroomtwo-bathhouseIthasafullbasement,全面anditisonahalf-acrelot.Youcanprobablyaffordthisone.这栋房IlikethishouseSodoI.Andthepriceisright.而且价格也合适。Wouldyouliketogoseeit?要去看看吗Yes.We'replanning是的。我们计划Yes.We'replanningtotalktosomeoneatthebanknextweek.银行的人人谈一Perhapswecouldseethehousethisweekend.房Ifsomeonedoesn'tbuyitbeforethenButlet'skeeplooking.Justtogetanideaofsomeotherpossibilities.Thisisveryhelpful,Mrs.Martinelli.这样很有用MarttinelliHere.这。ThisisawonderfulexampleofSpanish-stylearchitecture.Oh,IlovetherooftilesonaSpanish-stylehouse.喜欢ItlookslikethehousesinHollywood.看起来好像是好莱莱坞的房It'sinteresting.AhouselikethisinRiverdalecostsdoublethepriceRiverdale贵一OhmyHere'sarealbuy.这个价格便宜It'sabargain.售Thishousejustcameonthemarket.出出要It'squitelovely.相当好看Isitatwo-bedroomhouse的No.Ithasthreebedroomsandthreebaths.不。这栋房子有三三间卧室三间盥洗Iknowthehouse.Ithasabrandnewkitchen.Ithasabrandnewkitchen.Andalivingroomwithatwelve-footceiling.间十二高的的客Andthere'satwo-cargarage.的车Thenwhydon'twegolookatthishouse,too?们何It'sagoodinvestment.资Thankyou,Mrs.Martinelli.谢Martinellli太Thankssomuch.Mypleasure.气Givemybesttoyourparents.好Yourfather'sawonderfuldoctor,RichardRichardHetookcareofmydaughter我女儿曾受他照顾whenshewasachild.He'sthebestpediatricianinWestchester.他是全WestchesteerThanks,Mrs.Martinelli.谢MartinellliI'llgivethemyourregards.候Wereallyappreciateyouradvice.Idothinkyoushouldgoseethehouses我确实感到应应该去看看这些andtalktothebank.Here.Letmegiveyousomeinformationsheetsaboutthehouses.我给一些关於於这些房子的简They'rebothverygoodbuys.Well,thankssomuchforyourhelpandyourtime,谢Mrs.Martinelli.MartinelliMrs.Martinelli.MartinelliWe'vegotalottotalkabout.我们有很多可商量量的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?请坐下。我能为你做什We'dliketodiscussamortgage.我们想请教一下贷的Forahouse.Fine.Areyoubuyingahouse好的。是要买买房orareyourefinancingyourpresenthome?的房We'replanningtobuyahouseAndwe'dliketofindoutaboutamortgage.知道Wearecustomersofthebank.客Asamatteroffact,mywholefamilybankshere.Ihavesomequestionstoask.问Doyouownyourhouseordoyourent?自己有房子还还是租Neither.是Welivewithmyparents,Dr.andMrs.PhilipStewart.一起母是PhilipStewart妇Andhowoldareyou?I'mtwenty-nine.I'mthirty.我三十岁。And,Mr.Stewart,whatisyouroccupation?那麽Stewart缮I'mafreelancephotographer.And,Mrs.Stewart,areyouworking?Stewart太作And,Mrs.Stewart,areyouworking?Stewart太作Yes.I'madesigner,andIworkinaboutique计师Didyoubringanysavingsorsalaryinformation?Lastyear'staxforms?譬如去年的吧晟Yes.Heretheyare.OK.What...whatkindofhousedidyouhaveinmind?好的打算买买什麽样的We'retalkingaboutbuyingatwo-bedroomhouseinMountKisco.的的房子MountKiscoHerearethefinancialdetailsonthehouse.这是这房子的财务务细节Thankyou.谢谢你。Areyoupreparedtomakeaten-percentdownpayment?算缴纳10%做挝备款Yes,weare.的如Paymentsoverthirtyyears?款Yes.Doyouthinkwecangetaloan?你觉得我们能得到 Well,itdepends.Doyouownanyotherproperty?嗯这还要看情。拥有其他什麽财产Anystocksorbonds?有或债券No.Isee.Thenyoudon'thaveanycollateral.我明白了。那麽你没有任何担保Perhapsyoucouldgetaguarantor--也许你可以找一位位担保someonetosignfortheloanforyou.找个人为的贷签个名Whyisthatnecessary?为什麽有此必要Sinceyoudon'thave e,由於的收入不Sinceyoudon'thave e,由於的收入不andyoudon'talreadyownanyproperty,而又没有拥有有其他thebankneedstobesureyoucanpaythemortgageeverymonth.能每月按时陡犊睢Aguarantorisresponsiblefortheloan担保人要对罡焊涸ifyoucan'tmakethepayments.如果不能还钱Isee.Well,theideaofbuyingahouseisexciting.。嗯Thankyou,Mr.Riley.We'llreadthisovercarefully.谢谢你Riley读这Thankyou.谢谢Good-bye.Thanks.Good-bye.Andhopetoseeyousoon.再再Ihopesotoo.Takecare.慢走Good-bye.见Itallsoundedsoeasy容untiltheymentionedneedingcollateraloraguarantorWehavenocollateralAndIdon'tthinkit'sagoodidea而且我觉得这不是是个好主toaskDadtosignasaguarantor.请当担保人为为我签字Idon'tfeelrightaboutit.我觉得这样不对。Iunderstandyourfeelingsaboutit,Richard.解你对这种事事的心情Now,lme,what'stheproblem?啊告诉我有什什麽问Wecangetaloanfromthebank我们能够从银行得得到 Wecangetaloanfromthebank我们能够从银行得得 ifwecanputupsomecollateral.担保物Andwedon'townanythingtouseascollateral.是我Orsomeonecansignwithusasaguarantor.人能当担保保人帮我们签Whydon'tyouspeaktoDad?为什麽不跟爸说No.Ifwebuyahouse,Iwanttobeabletohandleitalone能够Everybodyneedshelpsometimes,Richard.IunderstandRichard'sfeelingsaboutit,Ellen.Richard母惺EllenIntwoorthreemonths,I'llhaveanadvanceonmybook的预andbeabletoputmoremoneydown.备备款的额度WhataboutthehouseinMountKisco?MountKisco呢Somebodyelse'llbuyitbythen.别人也许买走了。Thenthere'llbeotherhouses,Marilyn.MarilynRichardhasapoint.You'rejustbeginningtolook.Richard。哪子而We'reinnogreatrush.It'strue真Thishasbeenagreatlearningexperienceforus,Marilyn.Talkingtothereal-estateagent.与房地产商Lookingatthehouses房Talkingtotheloanofficeratthebank.与银行的负责责人IthasbeenalearningexperienceThat'strue.真是Ithinkyou'rengtherightthing.Takingyourtime.我觉得做得对对。慢慢Lookingaround.Especiallywithapurchaseofthiskind.You'retalkingaboutalotofmoney.谈的可是一大大笔We'llcallMrs.Martinelliandlhertokeeplookingfo

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