真实生活英语Unit29:Finance财政金融，掌握日常理财英语表达与场景对话

学习英语不仅要掌握语法和词汇，更重要的是能在真实场景中自然运用。然而，课本上的句子往往过于正式，与实际生活中的表达相差甚远。想要说出一口地道、自然的英语，就需要接触真实语境中的对话。在这里，我们精选日常高频使用的英语表达，涵盖社交、工作、旅行等场景，帮你摆脱“教科书式英语”，学会老外真正在用的说法。下面是本期《真实生活英语Unit29:Finance财政金融》的内容，坚持积累，让你的英语更贴近生活！

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 savings¹ 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 promising² / 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: Monologue³
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
 

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