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[report整理] Words and Their Stories 2016-05-08

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[report整理] Words and Their Stories 2016-05-08

本帖最后由 qingchengshan 于 2016-5-10 15:52 编辑


Words and Their Stories

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Hello! It’s time again for Words and Their Stories from VOA Learning English.

 

Many Americans and people who come to America want to own a home.

 

Home ownership is part of the American Dream: the hope that if you work hard and are treated fairly, you can buy a place to call your own.

 

But buying a home can be difficult. Even talking about it can be confusing. The language of real estate – the buying and selling of property – includes its own terms, phrases and expressions.

 

For starters, let’s talk about who has the advantage in the real estate market. Well, that depends. A buyer’s market means a lot of people are trying to sell their homes. People shopping for a home – the buyers – have a lot of choices, and the price of property can be low.

 

But in a seller’s market, more people are trying to buy property than there are homes for sale. As a result, people selling their homes can charge a lot of money. Or they can wait for just the right offer before deciding to accept a bid. In other words, sellers have the upper hand.

 

So, let’s say you finally find a place. You and the seller agree to a price. But most houses cost a lot more than anyone can simply buy outright in cash. So you put some money down. For the rest, you take out a mortgage – a loan from the bank to help you pay for your home.

 

Having a mortgage -- or carrying a mortgage -- is normal. A lot of Americans owe money on their homes. But you never want to be upside down in your mortgage. That means you owe more than your house is worth.

 

Having a home with more debt than value is also called being underwater. You can find yourself underwater if you buy at the peak of a real estate boom but then something happens that causes the value of your home to drop. Maybe a highway is built through your front yard, or a natural disaster strikes, or violent riots terrorize your once peaceful neighborhood. Suddenly, your house is not worth as much as you paid for it.

 

People who find themselves upside down in their mortgage often have no choice but to foreclose. This means the bank becomes the official owner of the house. The buyers have to move out, and they lose the money they had originally paid for the property.

 

Before foreclosing on a family, banks sometimes offer a grace period. This extra time allows the homeowner to pull together some funds to pay the mortgage.

 

Now, let’s listen to a dialogue using some of these terms.

 

 

 

A: Hey, thanks for coming over. I have big news to tell you!

 

B: You’re getting married.

 

A: No. But it’s almost as life-changing.

 

B: Well, don’t keep me waiting.

 

A: I’m buying a house!

 

B: But I love your apartment. It’s so hard to find a rental with a great outdoor deck like this!

 

A: I know. Believe me, I love this apartment too. But I’m tired of paying rent. It’s time to invest in some property. And right now, it’s a buyer’s market.

 

B: That’s true. There are so many houses available that prices have really hit rock bottom.

 

A: I know! Housing prices have not been this low in decades. Now is the time to look for a great deal.

 

B: My cousin Bernie bought a place 15 years ago in this neighborhood for a song. It was so cheap! And now he owns it free and clear.

 

A: Lucky guy. My friend Rebecca is not so lucky. She bought her place three years ago when the market was peaking.  

 

B: Is she carrying a big mortgage?

 

A: Not only is she mortgaged up to her eyeballs, she’s actually upside down in her mortgage.

 

B: Oh no. She owes the bank more than the house is worth in the current market? Being underwater is the worst situation to be in.

 

A: It gets worse. She just lost her job and can’t make payments. The bank is threatening to foreclose!

 

B: Yikes. That is serious. Maybe she can ask her bank for a grace period. If they give her three or four months to find a job and get back on her feet, maybe they won’t have to foreclose on her house.

 

A: Actually, she found a job in another city. But she can’t move and sell her house right now because she’s underwater and will lose all the money she has invested.

 

B: Well, that’s a catch-22 if ever I heard one.

 

A: Stories like my friend Rebecca’s scare me to death. Maybe I’ll wait a little longer before becoming a homeowner.

 

B: Just keep an eye on the market and do your research. You don’t want a big mortgage hanging over your head, but it also sounds like you don’t want to rent forever.

 

A: Exactly. Especially with my other big news. I got a puppy! Come here, boy! Come and meet Uncle Mario!

 

And that brings us to the end of Words and Their Stories. Whether you own or rent, now you have some expressions for the next time you talk about real estate.

 

I’m Anna Matteo.


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[Homework]Words and Their Stories 2016-05-08

Hello! It’s time again for words and their stories from VOA learning English.Many Americans and people who come to America want to own a home. Home ownership is a part of American dream. The hope that if you work hard and are treated fairly, you can buy a place to call your own. But buying a home can be difficult. Even talking about it can be confusing. The language of real estate, the buying and selling a property, includes its own terms, phrases and expressions. For starters, let's talk about who has the advantage in the real estate market. Well, that depends. A buyers market, means a lot of people are trying to sell their homes. People are shopping for a home. The buyers have a lot of choices. And the price of property can be low. But in the seller's market, more people are trying to buy property than their homes for sell. As a result, people are selling their homes can charge a lot of money. Or they can wait for just the right offer before deciding to accept a bit. In other words, sellers have the upper hand. So let's say, you finally find a place.
You and the seller agree to a price. But most houses cost a lot more than anyone can simply buy outright in cash. So, you put some money down.
For the rest, you take out a mortgage, a loan from the bank to help you pay for your home. Having a mortgage or carrying a mortgage is normal. A lot of Americans own money on their homes. But you never want to be upside down in your mortgage. That means you own more than your house is worth. Having a home with more bebt than value is also called being under water. You can find yourself under water if you buy at the peak of real estate boom. But then, something happens, that causes the value of your home to drop. Maybe a highway is built through your front yard. Or a natural disater strikes. Or violent rise terrorise your once peaceful neighourhood. Suddenly, your house is not worth as mush as you paid for it. People who find themselvies upside down in their mortgage often have no choice but to for close. That means bank becomes the official owner of the house. The buyers have to move out and they lose the money they have originally paid for the property. Before for closing on a family, bank sometimes offer a grace period. This extra time allows the home owner to pull together some funds to pay for the mortgage. Now, let's listen to a dialogue using some of these terms. Hey! Thanks for coming over. I have big news to tell you. You are getting marry? No, but it is almost as life changing. Well, don't keep we waiting. I'm buying a house! But I love your apartment. It's so hard to find a rental with a great out door deck like this. I know. Believe me! I love this apartment too. But I am tire of paying rent. It's time to invest in some property. And right now it's a buyer's market. That's true! There are so many houses available that prices have really hit rock bottom. I know. Housing prices has not been this low in a decades. Now it's the time for looking for a great deal. My cousin Burny bought a place 15 years ago in this neighbourhood for a song. It was so cheap. And now he owns it free and clear. Lucky guy! My friend Rebekha is not so lucky. She bought her place three years ago when the market was peaking. Is she carrying a big mortgage? Not only is she mortgage up to her eye balls, she is actually upside down in her mortgage! Oh no! She owns the bank more than the houses worth in the current market? Being under water is the worst situation to be in. It gets worst. She just lost her job and can't make payments. The bank is threaterning to for close. Yaks! That is seriouse. Maybe she can ask her bank for a grace period. If they give her three or four months to find a job and get back on her feet, maybe they won't have to for close on her house. Actually she found a job in another city. But she can't move and sell her house right now, because she is under water and will lose all the money she has invested. Well, that is a catch 22, if ever I heard one. Stories like my friend Rebeckha's scare me to death. Maybe I will be wait a little longer before becoming a home owner. Just keep an eye on the market and do your research. You don't want a big mortgage hanging over your head. But it also sounds like you don't want to rent forever. Excatly! Especially with my other big news. I got a puppy! Come here boy! Come here! Come meet uncle Mario! And that brings us to the end of the words and their stories. Whether you own or rent, now you have some expressions for the next time you talk about real estate. I am Anna Matel.

This post was generated by put listening repetition system,  Check the original dictation thread!
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[Homework]Words and Their Stories 2016-05-08

Hello, it's time again for Words and Their Stories from VOA Learning English. Many Americans and people who come to America want to own a home.

Home owner ship is part of the American dream. The hope that if you work hard and are treated farely you can buy a place to call your own.
                                                   


But buying a home can be difficult even talking about it can be confusing. The language of real state the bank and sell it approperty includes it's owner turns phrases and expressions. For starters let's talk about who has the advantage in the real state market.


Well that depends a buyer's market means a lot of people are tried to sold their homes. People shopping for a home the buyers have a lot of choices and price are property can be low.


But in the seller's market more people are trying to buy property then their homes for sell. As result people selling their homes can charge a lot of money or they can wait for just the right offer before deciding to accept a bid.


In other words sellers have the opperhand. So let's say you finally find a place.
You and seller agree to a price but most choices cost a lot more than anyone can simply by all right in cash.So you put some money down for the rest you take out a morgage alone from the bank to help you pay for your home.


Having a morgage or carring a morgage is normal. A lot of Americans own money of their homes. But you never want to be upset down in your morgage. That means you own more than your house is worth.


Having a home with more dead than value is also called been underwater. You can find yourself underwater if you buy at the pick at the of your home to drop



This post was generated by put listening repetition system,  Check the original dictation thread!
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[Homework]Words and Their Stories 2016-05-08

[Homework]Hello, it is time again for words and their stories from VOA learning English.
Many Americans and people who comes to America want to own a home. Home ownership is part of the American dream. They hope if you work hard and are treated fairly you can buy a place to call your own.


But buying a home can be difficult. Even talking about it can be confusion. The language of real state,the bank and selling the property, includes its owner terms and expression.


For start of it, let's talk about who has the advantage in the real state market. Well, that dependents, a buyer's mark mean a lot of people are trying to sell their homes. People shopping for a home, the buyers have a lot of choices, and the price of property can be low.


But in a seller's market. More people are trying to buy property, then there are homes for sell. As a result, people selling their home can charge a lot of money, or they can wait for just the right offer before X to accept a bid. In other words, sellers have the upper hand.

So let's say you finally find a place, you and seller are agree to a price, but most houses costs a lot more than anyone can simply buy outright in cash, so you put some money down, for the rest, you take out a mortgage, along from the bank to help you pay for your home.


Having a mortgage or carrying a mortgage is normal, a lot of Americans owe money for their homes. But you never want to be upset down in your mortgage, that's means you owe more than your house is worth.


Having a home with more debt then value is also called been underwater. You can find yourself underwater if you buy at a peak at a real estate X. But then something happens, they coast the value of your home to drop, maybe a high way is built through your front yard, or a nature disaster stricks, or violent r, tell r your once peaceful neighborhood. Your house is not worth as much as you paid for it. People who find themselves upset down in the mortgage often have no choice but to X close. This means the bank becames the official owner of the house.
The buyers have to move out, and they lose the money they had originally paid for the property. Before foreclosing on the family, banks sometimes offer a grace period, this extra time allows the home owner to put together some funds to pay for the mortgage.


Now let's listen to a dialog using some of these terms.
Hey, thanks for coming over, I have a big news to tell you.
You are getting married.
No, but it's almost as life changing.
Well, don't keep me waiting.
I am buying a house.
But I love your apartment. It's hard to find a rental with a great outdoor deak like this.
I know, believe me ,I love this apartment too. But I am tired of paying rent. It is time to invest in some property. And right now, it's the buyer's market.
That's true, there are so many houses available vice prices have really hit
the rock bottom.
I know, house prices have X this low in decades. Now it it time to look for a great deal.
My cousin X bought a place 15 years ago and this neighborhood for his son. It was so cheap, and now he owns it free and clear.
Lucky guys, my friend X is not so lucky. She bought her place three years ago when the market was peaking.
Is she carrying a big mortgage?
Not only, she mortgaged up to her eyebrows ,she is actually upside-down in her mortgage.
Oh no, she owns the bank more than the house is worth in the current market. Been underwater is the worst situation to .
It gets worse, she just lost her job and can't make payment. The bank is threatening to foreclose.
Yeats, that is serious. Maybe she can ask her bank for a grace period, if they give her three or four months to find a job and get back on her feet. Maybe they won't have to foreclose on her house.
Actually she found a job in another city, but she can't move and sell her house right now. Because she is underwater, in a lose all of the money she has invested.
Well, that's the catch 22 if I ever heard one.
Story like my friend X scare me to death, maybe I will wait a little longer before becoming a home owner.
Just keeping eyes on the market and do you research. You don't want a big mortgage hanging over your head. But also sounds you don't want to rent forever.
Exactly, especially with my other big news. I got a puppy. come here boy, come here, come to meet uncle X.
In that to the end of the words and their stories, whether you own or went, now you have some expressions for the next time you talk about real estate.




















This post was generated by put listening repetition system,  Check the original dictation thread!
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[Homework]Words and Their Stories 2016-05-08

Now let's listen to a dialogue using some of these terms.

Hi, thanks for coming over. I have a big news to tell you.


You getting marriaged.


No, but it's almost as life changing.


Well, do not keep me waiting.


I am buying a house.


But I love your apartment, it's so hard to find rental with a great outdoor dag like this.


I know, believe me, I love this apartment too. But I am tired a pay rents. It's time to invest and  property. And right now, it's a buyer's market.


That's true there are so many houses available that prices have really hit rock bottom.


I know, housing prices have no ping this low and decades. Now it's the time to look for a great deal.


My casin Bernny bought a place 15 years this neighborhood for a son, it was so cheap. And now, he owe it free and clear.


Lucky guy. My friend Rebacca is not so lucky. She bought her place 3 years ago when the market was peaking.


Is she carrying a big mortgage?


Not only is she mortgaged up to her iballs. She's actually upset down in her mortgage.


Oh, no. She owes the bank more the house's worth in the current market. Being underwater is the worst situation to be in.


It gets worse, she just lost her job and can't make payments. The bank is threating to forclose.


Yes, that is serious. Maybe she can ask her bank for a grace period. If they give her 3 or 4 months to find the job and get back on her feet. Maybe they want to have to forclose on her house.


Actually, she find a job in the other city, but she can't move and sell her house right now. Because she's underwater and lose all the money she has invested.





This post was generated by put listening repetition system,  Check the original dictation thread!
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