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home equity loan房屋权益贷款或房屋净值贷款,是一次性获得的贷款。

 

我没有将home equity和consumer 后面的loans 连起来,理解成“房屋净值”了。

[ 本帖最后由 jxzhope 于 2008-10-18 08:09 编辑 ]

原帖由 zpc224 于 2008-10-18 14:09 发表     "Home and hearth became the consumers’ ATM machine, as home equity and other consumer loans leveraged the American consumer to the hilt."   A home equity loan (sometimes abbre ...

 

好久未见了。现在我也有了权限了,不用拜托你贴图片了。我转到NPR已半年多了,在NPR难得见到你。

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Collateral——抵押品

Collateral这个单词一开始没有听出来。在home equity loan中,房屋净值就是collateral。下面这个小故事很有意思:

 

An old Indian wanted a loan of $500.The banker pulled out the loan application, and said: "What are you going to do with the money?"


  "Take jewelry to city and sell it, "He responded. 

  "What have you got for collateral?"

  "What is collateral?"

  "Well, that's something of value that would cover the cost of the loan. Have you got any vehicles?"

  "Yes, 1949 Chevy Pickup."

  The banker shook his head, "How about livestock?"

  "Yes I have a horse."

  "How old is it?"

  "I don't know. It has no teeth."

  Finally the banker decided to make the $500 loan.

  Several weeks later the old man was back in the bank. He pulled out a roll of bills, "here to pay." he said. He then handed the banker the money to pay his loan off.

  "What are you going to do with the rest of that money?"

  "Put in teepee."

  "Why don't you deposit it in my bank," the banker asked.

  "I don't know what deposit is."

  "You put the money in our bank and we take care of it for you. When you want to use it you can withdraw it."

  The old Indian leaned across the desk, "What do you get for collateral?"

 

 

  一个印第安老人想得到一笔500美元的贷款。银行家拿出贷款申请表,说“你贷这笔钱想做什么?”

  “好把珠宝拿到城里卖掉。”老人回答。

  “你有什么东西可用来当作抵押吗?”

  “什么叫抵押?”

  “啊,抵押就是某种物品,它的价值要足以抵消你所贷的款的金额。你有车吗?”

  “我有一辆1949年的雪佛兰皮卡。”

  银行家摇摇头,“那么,有家畜吗?”

  “有,我有一匹马。”

  “这马几岁了?”

  “我不知道,但它都没有牙了。”

  最后银行家还是决定贷给老人500美元。

  几周后,老人回到银行。他拿出一卷钞票,说,“这是还款。”然后他把钱交给银行家,还清了贷款。

  “你准备用剩下的钱做什么呢?”

  “放在账篷里。”

  “你为什么不把钱存到我的银行里呢?”银行家问。

  “我不知道‘存’是什么意思。”

  “你把钱放到我们银行,我们为你保管。当你要用钱时,你可以再把它取出来。”

  这时印第安老人把身子探到桌子的那边,问:“你有什么可以作抵押的吗?”


 

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懂棒球的看过来

20081020NPRNEWS:

 

Tonight's game will determine if the more experienced World Series Champion Red Sox can defeat an exuberant worst-to-first raised team for the privilege to play in the World Series.

 

 

“今晚的比赛将决定更具经验的棒球职业联赛冠军波士顿红袜队是否能打败一只反败为胜的球队以取得在联赛中的优势。”

 

我是望文生义,请高手指正。

 

 

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原帖由 zpc224 于 2008-10-21 11:49 发表   主要以前Tampa Bay很烂的,是个烂队,在过去十年的美国职棒联盟东部赛区10年垫了9次底,上赛季输了96场比赛,上上个赛季输了101场,过去十年平均每赛季输97场,是个十足的烂队。   而现在居然和上届 ...

 

worst-to-first 我译成“反败为胜”,你译为“咸鱼翻身”,更贴切。谢了!

原帖由 橙橙的小妖 于 2008-10-22 21:43 发表 请教下这句话 At a late night news conference minutes before the freedoms were due to expire 这里,be due to 怎么解释啊,be due to 不是由于的意思么,放在这里不通啊

 

be due to expire: 快到期了。请见以下例句:

 

The resolution gring a brief extension was passed unanimously on Wednesday when the mandate of the mission composed of over 1,536 people was due to expire in just a few hours at midnight of that day. 


这个短暂延长案在周三获得一致支持通过,而由一千五百三十六人以上所组成的代表团,其授权将在数小时后的当天午夜截止。  
 
  
It is due to expire once more next year. 


该项政策又一次到期了。  
 
  
My passport is due to expire . 

我的护照要到期了。 

 

 

 

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  • 北星束

hedge contracts

20081022NPRNEWS:

 

The reason why-record jet fuel prices in July, plus United lost out when its hedge contracts which locked in its ability to buy fuel at a set price ended up being higher than the cost of fuel when oil prices dropped recently.

 

原因是7月份创纪录的航空油价以及近期油价下跌,联合航空公司的套期保值合同限定它以固定价格购油,这个价格高于现行油价造成的损失。

 

hedge contracts 是套期保值合同吗?这段话应当怎样准确地翻译?

 

 

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原帖由 yvonneyy 于 2008-10-26 22:42 发表 提问:请问大概每天更新standard听力训练资料的时间大概是。。。?这样就可以早一些来听,看不见别人的答案可以提高独立程度哈

 

我每天上午8:30下载mp3,这时standard的听力训练材料一般都出来了。如果掌握住规律,也可分别情况自己去相应的网站去下载。

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  • 北星束

普特听力大课堂

原帖由 jxzhope 于 2008-10-27 07:25 发表   我每天上午8:30下载mp3,这时standard的听力训练材料一般都出来了。如果掌握住规律,也可分别情况自己去相应的网站去下载。

 

我指的是VOA, BBC, NPR等新闻节目的mp3,一般上午8:30就可以下载了。你的网速为什么像你说的那样慢呢。我这里下载音频都是眨眼之功。

好栏目推荐之美国口语俚语

原帖由 北星束 于 2008-10-27 13:51 发表   你怎么看出我的网速慢了?呵呵~~

 

我是从你一篇关于打分的帖子知道的。你打个分儿都那样费劲,看来网速是“相当的”慢了。啥原因呢?其实听英语有1Mb的宽带就足够了。

原帖由 nativespeaker 于 2008-10-31 23:11 发表 好几天没人发帖了。俺来冒个泡泡。 10月30日NPR第一句:http://forum.putclub.com/viewthread.php?tid=148518&fromuid=713500 The Federal Reserve's interest rate setting arm has wrapped up a two-day meeting ...

 

arm n. An administrative or functional branch, as of an organization.

 

这里是指“美联储下属的一个制定利率的部门”。

[ 本帖最后由 jxzhope 于 2008-11-1 21:24 编辑 ]
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graphical ladder

20081101NPRNEWS:

 

The Obama campaign will run TV commercials focusing on the economy in Georgia and North Dakota. The Democratic candidate will air it by a graphical ladder in Arizona, McCain's home state.

 

请问标红处怎样解释?

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 20081102NPRNEWS中Obama原声:

 

" Do you think John McCain and Dick Cheney have been talking about how to really shake things up, get rid of the lobbyists, and put Halliburton on the sidelines, and put an end to the old boys club in Washington? "

 

Halliburton 美国哈利伯顿公司,全球最大的油田服务供应商

 

old boys club 老男孩俱乐部,是一家足球俱乐部吧?

 

shake things up 改革政务

 

“你认为John McCain 和 Dick Cheney讨论了改革政务、摆脱院外集团的游说、将哈利伯顿公司作为旁观者、结束华盛顿的老男孩俱乐部的切实方案吗?”

 

我自己都觉得不知所云。求教。

原帖由 playstation 于 2008-11-3 10:49 发表 Halliburton应该是泛指Halliburton此类的巨头公司,而不是特指一家公司。old boys club: 不是讲足球俱乐部,而是企业家和上流人士的俱乐部。

 

Senator McCain wants to permanently extend President Bush's tax cuts. Senator Obama would let those tax cuts end. He says he wants tax cuts for the middle class, not the wealthy.

 

那么Halliburton和old boys club都是wealthy了。这样理解对吗?

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转贴此处

gary_hsu1106的问题:
 
Fears are mounting of possible mass starvation or that civilians could be killed should fighting resume between Congolese government forces and Tutsi-led rebels 大家有没有觉得 这句话的语法很有问题啊。
 
我的回答:
 
 "Fears are mounting of possible mass starvation or that civilians could be killed should fighting resume between Congolese government forces and Tutsi-led rebels."
 
“人们日益担心可能发生的大规模饥荒或刚果政府军与图西族领导的叛军重开战事会殃及平民。”
 
这个句子语法没问题。
 
or后面是个从句,should fighting……为虚拟语气。
 
不知我的解释对不对,请高手指教。
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