走遍美国（Family Album U.S.A.）- 33
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走遍美国（Family Album U.S.A.）是一套采用情景英语教学法的多媒体英语教材。这套教材畅销全球35个国家。《走遍美国》倾向于美式口语的培养。故事的角色涵盖了祖孙四代，内容涉及美国各地风土人情、社会生活的许多方面。读者可以熟悉属于不同年龄层次的美式口语。剧中人物使用正常的语速说话，学习者可以充分体会口语中常用的连读、弱读等形式，养成听美语的正确习惯。
本书有26个单元（Unit），每个单元有3幕（Act），总共78课。学习方法（仅供参考）：先看视频1-3遍，精读文本，再看视频，最后听录音。学英语口语，好好利用这套经典教材，剩下的就是坚持、坚持、再坚持，千万不要三天打鱼两天晒网哟
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ACT 3-1 “ 我能为你们做些什么？”
【故事梗概】
Marilyn 和 Richard正在银行里。银行的贷款负责人Ralph Riley先生在询问他们现在的住房情况、职业及收入情况。
Mr. Riley: How do you do?
Richard: Hello.
Mr. Riley: I'm Ralph Riley.
Richard: I'm Richard Stewart, and this is my wife, Marilyn.
Mr. Riley: Pleased to meet you.
Marilyn: Likewise, Mr. Riley.
Mr. Riley: Please, sit down. What can I do for you?
Richard: We'd like to discuss a mortgage.
Marilyn: For a house.
Mr. Riley: Fine. Are you buying a house or are you refinancing your present home?
Richard: We're planning to buy a house.
Marilyn: And we'd like to find out about a mortgage.
Richard: We are customers of the bank. As a matter of fact, my whole family banks here.
Mr. Riley: I have some questions to ask. Do you own your house or do you rent?
Richard: Neither. We live with my parents, Dr. and Mrs. Philip Stewart.
Mr. Riley: And how old are you?
Marilyn: I'm twenty-nine.
Richard: I'm thirty.
Mr. Riley: And, Mr. Stewart, what is your occupation?
Richard: I'm a freelance photographer.
Mr. Riley: And, Mrs. Stewart, are you working?
Marilyn: Yes. I'm a designer, and I work in a boutique.
Mr. Riley: Did you bring any savings or salary information? Last year's tax forms?
Richard: Yes. Here they are.
【语言点精讲】
1. Likewise, Mr. Riley.
我也很高兴见到你，Riley先生。这是对于“Pleased to meet you.”的一种回答方式。likewise也可以说 the same here，两者都是非正式的说法。
2. What can I do for you?
我能为你们做些什么？这是营业人员或服务员接待顾客时常用的套语。
3. Are you buying a house or are you refinancing your present home?
你们是想新购住房，还是要再次申请新的贷款？
Are you buying… or are you refinancing…: 这里使用现在进行时，是表示当时当地的行为，“你们此次光临是为了……还是为了……？”
refinancing: 重新按揭，重新安排按揭，把旧贷款还清后重新申请（买房）贷款。
4. As a matter of fact, my whole family banks here.
事实上，我们全家都是同这家银行来往的。
as a matter of fact: 事实上，实际上。
bank: 这里用作动词，指“存款于银行”。
5. I'm a freelance photographer.
我是自由摄影师。
freelance: （从事）自由职业（的人。Richard 不为某家公司工作，他把他的摄影作品卖给不同公司。
6. Did you bring any savings or salary information? Last year's tax forms?
你们有没有带来储蓄或工资方面的材料？比如说去年的纳税申报表？
tax form: 纳税申报表。在美国，个人所得税的多少依每人的年收入而定。每年在4月15日前，人们必须填好 tax form交到国家税务局。
ACT 3-2 “要视情况而定。”
【故事梗概】
银行的Riley先生对Richard和Marilyn的经济情况作了进一步了解了情况。他认为Richard和Marilyn没有足够的收入来保证他们可以偿还贷款，也并没有其它财产可以作为抵押，因此银行要求他们提供担保人后才可贷款。
Mr.Riley: OK. What… what kind of house did you have in mind?
Richard: We're talking about buying a two-bedroom house in Mount Kisco. Here are the financial details on the house.
Mr. Riley: Thank you. Are you prepared to make a ten-percent down payment?
Richard: Yes, we are.
Mr. Riley: Payments over thirty years?
Richard: Yes.
Marilyn: Do you think we can get a loan?
Mr Riley: Well, it depends. Do you own any other property? Any stocks or bonds?
Richard: No.
Mr. Riley: I see. Then you don't have any collateral. Perhaps you could get a guarantor -- some one to sign for the loan for you.
Richard: Why is that necessary?
Mr. Riley: 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. A guarantor is responsible for the loan if you can't make the payments.
Richard: I see. Well, the idea of buying a house is exciting.
Marilyn: Thank you, Mr. Riley. We'll read this over carefully.
Mr. Riley: Thank you.
Richard: Good-bye. Thanks.
Mr. Riley: Good-bye. And hope to see you soon.
Richard: I hope so, too.
Mr. Riley: Take care.
Marilyn: Good－bye.
【语言点精讲】
1. Are you prepared to make a ten-percent down payment?
你愿意付百分之十的头期款吗？
down payment: （分期付款中的）头期款。
2. Payments over thirty years?
余款分30年付清？
over (thirty years): （30年）期。这里的 over是“……之久，在……的期间”的意思，而不是指“超出……”。
3. Well, it depends. Do you own any other property? Any stocks or bonds?
嗯，还要分是什么情况。你们拥有不动产吗？有股票或是债券吗？
It depends.: 要视情况而定。看情况，不一定。
property: 财产，多指土地、房产等不动产。stock: 股票。bond: 债券。
4. Then you don't have any collateral.
那么就是说你们提不出任何担保物。
collateral: 抵押物，担保物。
5. A guarantor is responsible for the loan if you can't make the payments.
如果你不能按月偿还，保证人就要对贷款负责。
guarantor: 担保人。
be responsible for sth.: 为某事负责，对某事负责。
make the payments: 偿还（贷款）。
6. We'll read this over carefully.
我们要仔细地读一读这份材料。
read (this) over: 详读,仔细阅读。
7. Take care.
保重。相当于“Take care of yourself.” 这是告别时常讲的话。
ACT 3-3 “ 我想要自己来解决这件事。”
【故事梗概】
从银行回来后，Richard 和Marilyn终于完全弄清楚了买房子意味着什么。既无担保品，又不愿去求Phillip当担保人，他们只能寄希望于出版Richard的摄影集出版之后的稿酬了。Ellen及时宽慰了他们的焦虑，Stewart家的传统又得到了发扬。
Richard: It all sounded so easy until they mentioned needing collateral or a guarantor.
Marilyn: We have no collateral.
Richard: And I don't think it's a good idea to ask Dad to sign as a guarantor. I don't feel right about it.
Marilyn: I understand your feelings about it, Richard.
Ellen: Now, tell me, what's the problem?
Marilyn: We can get a loan from the bank if we can put up some collateral.
Richard: And we don't own anything to use as collateral.
Marilyn: Or someone can sign with us as a guarantor.
Ellen: Why don't you speak to Dad?
Richard: No. If we buy a house, I want to be able to handle it alone.
Ellen: Everybody needs help sometimes, Richard.
Marilyn: I understand Richard's feelings about it, Ellen.
Richard: In two or three months, I'll have an advance on my book and be able to put more money down.
Marilyn: What about the house in Mount Kisco? Somebody else'll buy it by then.
Richard: Then there'll be other houses, Marilyn.
Ellen: Richard has a point. You're just beginning to look.
Marilyn: We're in no great rush. It's true.
Richard: This has been a great learning experience for us, Marilyn. Talking to the real-estate agent. Looking at the houses. Talking to the loan officer at the bank.
Marilyn: It has been a learning experience. That's true.
Ellen: I think you're doing the right thing. Taking your time. Looking around. Especially with a purchase of this kind. You're talking about a lot of money.
Marilyn: We'll call Mrs. Martinelli and tell her to keep looking for us.
Richard: And I'll call Mr. Riley at the bank and tell him we'll see him in a couple of months.
Ellen: And if you ever need Dad or me to help you …
Marilyn: We know.
Ellen: You know we'll be there for you.
Richard: It's a Stewart tradition. We're a family.
【语言点精讲】
1. It all sounded so easy until they mentioned needing collateral or a guarantor．
一起头好像什么都很容易，可后来他提到了需要担保物或担保人，就不是那么容易了。
until: 在此表示“到……之后情况就完全不同了”。可以使用“It all sounded so easy until…”来说明某事比预期的要难。
2. I don't feel right about it.
我觉得那样不合适。我认为那样做不对。
3. We can get a loan from the bank if we can put up some collateral.
我们要想得到银行的贷款，得提供担保物。
put up collateral: 提供担保物、抵押物。这是个常用的固定搭配。
4. If we buy a house, I want to be able to handle it alone.
如果我们买一所房子，我想要自己来解决这件事。
handle: 对付，承担，解决。
5. In two or three months, I'll have an advance on my book and be able to put more money down.
再过两三个月，我这本书就能得到预付稿酬了，那时就能拿出更多的一笔头期款了。
an advance: 预付款。这里指在书出版前，出版者预付给作者的钱。
put more money down: 这里指增加首付款的数目。
6. Somebody else'll buy it by then．
到那时候会被别人买去了。
介词by表示“到某时为止，在某时以前”。
7. Richard has a point. You're just beginning to look.
Richard has a point. : Richard说的有道理。用来表示对某人观点、说法等的赞同。
You're just beginning to look.: 你们只不过刚开始看房子而已。意思为，不用慌，不必着急去买。
8. We're in no great rush.
in no great rush: 不很急（买房子）。
9. You know we'll be there for you.
We'll be there for you. : 我们会在你的身边。这里指“如果你们需要帮助，我们会伸出援助之手。”
全文：
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 Stewart，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 Riley先生。
Please, sit down. What can I do for you? 请坐下。我能为你们做什么？
We'd like to discuss a mortgage. 我们想请教一下关于贷款的事。
For a house. 为了房子。
Fine. Are you buying a house 好的。你们是要买房子？
or are you refinancing your present home? 还是原有的房子重新申请贷款？
We're planning to buy a house. 我们计划买一栋房子。
And we'd like to find out about a mortgage. 我们想知道如何贷款。
We are customers of the bank. 我们是贵行的顾客。
As a matter of fact, my whole family banks here. 事实上，我们全家都是贵行的顾客。
I have some questions to ask. 我有一些问题要问。
Do you own your house or do you rent? 你们自己有房子还是租房？
Neither. 都不是。
We live with my parents, Dr. and Mrs. Philip Stewart. 我们和父母住在一起，我父母是Philip Stewart夫妇。
And how old are you? 你多大了？
I'm twenty-nine. 我二十九岁。
I'm thirty. 我三十岁。
And, Mr. Stewart, what is your occupation? 那么，Stewart，请问你的职业是什么？
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？
Yes. I'm a designer, and I work in a boutique. 是的，我是位设计师，我在一家服装店工作。
Did you bring any savings or salary information? 你是否带来储蓄和薪资的相关资料？
Last year's tax forms? 譬如去年的税务申报表？
Yes. Here they are. 带来了，在这儿。
OK. What ... what kind of house did you have in mind? 好的，你们打算买什么样的房子？
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. 这是这房子的财务细节。
Thank you. 谢谢你。
Are you prepared to make a ten-percent down payment? 你打算缴纳10%做头期款吗？
Yes, we are. 是的，我们准备如此办。
Payments over thirty years? 三十年分期付款吗？
Yes. 是的。
Do you think we can get a loan? 你觉得我们能得到贷款吗？
Well, it depends. Do you own any other property? 嗯，这还要看情况。你们拥有其他什么财产吗？
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。那么你们没有任何担保物。
Perhaps you could get a guarantor-- 也许你可以找一位担保人---
someone to sign for the loan for you. 找个人为你们的贷款签个名。
Why is that necessary? 为什么有此必要？
Since you don't have enough income, 由于你们的收入不够，
and you don't already own any property, 而你们又没拥有其他财产。
the bank needs to be sure 银行需要确定
you can pay the mortgage every month. 你们能每月按时付款。
A guarantor is responsible for the loan 担保人要对贷款负责
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先生。我们会仔细阅读这些文件的。
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 一切听起来那么容易
until they mentioned needing collateral or a guarantor. 在他们提到担保物或担保人之前。
We have no collateral. 我们没有担保物。
And I don't think it's a good idea 而且我觉得这不是个好主意。
to ask Dad to sign as a guarantor. 请爸爸当担保人为我签字。
I don't feel right about it. 我觉得这样不对。
I understand your feelings about it, Richard. 我了解你对这种事的心情，Richard。
Now, tell me, what's the problem? 现在，告诉我，你有什么问题？
We can get a loan from the bank 我们能够从银行得到贷款
if we can put up some collateral. 如果我们能提供担保物的话。
And we don't own anything to use as collateral. 可是我们没有任何可以做担保物的东西。
Or someone can sign with us as a guarantor. 或者有人能当担保人帮我们签字。
Why don't you speak to Dad? 你们为什么不跟爸爸说说？
No. If we buy a house, I want to be able to handle it alone. 不，如果我们买房子，我希望能够自行负责。
Everybody needs help sometimes, Richard. 每个人都有需要帮助的时候，Richard。
I understand Richard's feelings about it, Ellen. 我了解Richard的感受，Ellen。
In two or three months, I'll have an advance on my book 两到三个月后，我能得到我那本书的预付款
and be able to put more money down. 也就可以增加头期款的数目。
What about the house in Mount Kisco? 在Mount Kisco的方子呢？
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。你们只是开始看房子而已。
We're in no great rush. It's true. 我们不很急，这是真的。
This has been a great learning experience for us, Marilyn. 这对我们来讲是一次很好的学习经验，Marilyn。
Talking to the real-estate agent. 与房地产中介商谈。
Looking at the houses. 看房子。
Talking to the loan officer at the bank. 与银行的贷款负责人谈。
It has been a learning experience. That's true. 这真是一次学习经验，真的。
I think you're doing the right thing. Taking your time. 我觉得你们做得对。慢慢来。
Looking around. Especially with a purchase of this kind. 到处看看，特别是这一类买卖。
You're talking about a lot of money. 你们谈的可是一大笔钱。
We'll call Mrs. Martinelli and tell her to keep looking for us. 我们会打电话给Martinelli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Riley先生
and tell him we'll see him in a couple of months. 告诉他过几个月我们再去找他。
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. 你们知道我们是会伸出援手的。
It's a Stewart tradition. We're a family. 这是Stewart家的传统。我们是一家人。
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