第2章 理財購物（1）
01 申請信用卡和個人貸款
萬用句型
1.Debit cards withdraw money directly from a bank account.
借記卡是直接從銀行賬戶劃賬的。
2.Debit cards can be used almost anywhere as credit cards.
借記卡可以像信用卡一樣到處使用。
3.Millions of Americans now use a debit card or credit card, instead of paper money or checks, to make most of their purchases.
如今，成千上萬的美國人購物時大多數使用借記卡或者信用卡，它們取代了現金或支票。
4.Your bank manager will probably suggest a personal loan.
你們的銀行經理可能會建議你們申請個人貸款。
個人貸款就是商業銀行向消費者個人或居民家庭提供的，能滿足您取得消費資金或小額投資經營資金需求的貸款。以下這段對話來自美劇Lost（《迷失》)。Kate 為去新墨西哥州攝影，特意來到信貸公司申請個人貸款，以下便為貸款辦理的過程。
Mark：Okay, Miss Ryan, if you just give me some ID, we'll get started on your loan app.
Kate：Okay, here you go.
Mark：So, what brings you to New Mexico?
Kate：My work.
Mark：What line of work is that?
Kate：I'm a photographer.
Mark：What do you photograph?
Kate：I've been commissioned for a coffee table book. Pictures of old theaters in small towns.
Mark：Oh, there's a fantastic one down in Rio Doso. You can't miss it. It's right off the main road.
Kate：Well, if I end up using it, I'll have to make sure I give you an acknowledgement, Mr. Hutton.
Mark：Mark.
Mark：Ryan小姐，請把身份證給我，我們要填貸款申請表。
Kate：好，給你。
Mark：那麼你去新墨西哥州幹甚麼呢？
Kate：去工作。
Mark：甚麼工作？
Kate：我是個攝影師。
Mark：你都拍些甚麼？
Kate：我被委託為一本茶几書拍插圖，拍一下小鎮的舊劇院的照片。
Mark：哦，在里約多索有一家劇很不錯，很好找，就在主幹道旁邊。
Kate：嗯，當我拍完以後，我一定會來感謝你的，Hutton先生。
Mark：叫我Mark。
錦囊妙語
1 debit card
借記卡
2 credit card centre
信用卡中心
3 credit limit
信用額
4 card holder
持卡人
5 Rose：Excuse me, what should I do if I'd like to get a bank card?
Clerk：You want to have a debit card?
Rose：Yes.
Clerk：Do you bring your ID card?
Rose：Yes.
Clerk：Fill in this application form and line up at Window 2, please.
Rose：Thank you.
Rose：你好，我想辦張銀行卡，該怎麼辦？
Clerk：您要辦借記卡嗎？
Rose：是的。
Clerk：那您帶身份證了嗎？
Rose：帶了。
Clerk：填一下這張申請表，然後去二號窗口排隊就可以了。
Rose：謝謝。
02 信用卡業務
萬用句型
1.Have you got a bank card?
您有銀行卡嗎？
2.I don't have any proof on hand now.
我現在並沒有任何資料證明。
3.We will inform you of the approval status within two weeks'time.
我們會在兩星期內通知您批核結果。
4.Keep the passbook well and inform us whenever you lose it.
請保管好存摺，若遺失請告知我們。
信用卡於1915年起源於美國。最早發行信用卡的機構並不是銀行，而是一些百貨商店、飲食業、娛樂業和汽油公司。美國的一些商店、飲食店為招攬顧客，有選擇地在一定範圍內發給顧客一種類似金屬徽章的信用籌碼，作為客戶購貨消費的憑證，這就是信用卡的雛形。以下對話選自Drop Dead Diva（《美女上錯身》)，場景發生在家裏，Fred在信箱裏發現寄給Stacy的信用卡最後還款通知。
Fred：Uh, this was in the mailbox.
Stacy：Still? It came a couple days ago, and I left it there, hoping that the mailman would take it back.
Fred：It's from your credit card company, says “Final notice”, all capital letters.
Stacy：I know. They ruined the color pink forever.
Fred：How did this happen?
Stacy：Well, I was all set to make the minimum payment of $150.
Fred：And?
Stacy：Mark Jacobs ankle boots. 60% off!
Fred：You got let me help. Can I loan you the money?
Stacy：No, I can't take your money.
Fred：我在信箱裏發現這個。
Stacy：還在呢？它幾天前就在了，我沒管它，希望郵差能知趣地把它收走。
Fred：是你的信用卡公司寄來的，寫着“最後通知”，都是觸目驚心的大寫字母。
Stacy：我知道，還用的粉色信紙，可憐的粉色，他們把它毀了。
Fred：這是怎麼回事？
Stacy：我本應該支付150美元信用卡最低還款額。
Fred：然後呢？
Stacy：馬克雅克布的短靴，打四折呢。
Fred：你得讓我幫你，我借給你錢如何？
Stacy：不行，我不能拿你的錢。
錦囊妙語
1 supplementary card
附卡
2 personal identification
個人識別
3 late charge
滯納金
4 minimum payment
最低應繳額度
5 Tim：Excuse me, I lost my credit card this morning and I'd like to report loss now.
Bill：Sir, could you please give me your identity card?
Tim：Here you are. Can you please check whether any bills were issued this morning?
Bill：Sure, sir. Let me see…Sir, there are no bills for today.
Tim：That's fine. When can I get a new card?
Bill：We'll issue a replacement card to you one working day later, that is, you can get a new card on Wednesday.
Tim：All right. Thank you.
Tim：對不起，今天早上我丟失了我的信用卡，我想辦理掛失手續。
Bill：先生，請出示您的身份證。
Tim：給你。請查一下這個早上是否有現金流出？
Bill：當然，先生。讓我看看……先生，今天沒有現金流出。
Tim：那很好。我甚麼時候能拿到一張新卡？
Bill：我們將在一個工作日後給您開一個替代卡，也就是說，您可以在這週三拿到一個新卡。
Tim：好的。謝謝。
03 購買食品
萬用句型
1.Do you want an imported brand or a domestic one?
您是要進口的還是國產的？
2.I need to make a list of the things that we need.
我列一個購物清單。
3.I heard about it from my friends. What does it taste like？
我是從我的朋友那聽說這東西。吃起來是甚麼味道？
4.Excuse me, what kind of beer do you have?
請問您這兒都有甚麼啤酒？
本段對話選自Mike & Molly（《胖子的愛情》), Molly 和Mike在一家超市為即將到來的感恩節狂購食品，因為他們要準備一個感恩節大餐。
Molly：Okay, I'm gonna need some more bread for the stuffng. Mike：Whee!
Molly：Mike! Mike! Mike! Do you want to wait in the car? Do you want to wait in the car? Because that I will put you in the car.
Mike：Sorry.
Molly：Okay, now for the turkey. Let's see, there's, uh, six of us, and the magazine says you should buy half a pound of turkey per person.
Mike：Really? That's only three pounds of bird. You might as well just yank a pigeon out of a car grill. You know what, let's get the 20-pounder. Better safe than sorry.
Molly：We're not gonna eat that much turkey.
Mike：You sure? What if there's some, you know, last-minute drop-ins?
Molly：Like who?
Mike：Well, anybody, really. I mean, Carl might drop by, and he might bring his grandma. And who knows, Samuel might pop over to say hi and introduce us to his five Senegalese roommates.
Molly：嗯，我要再買點兒麪包做餡料。
Mike：嘿！
Molly：Mike! Mike! Mike！你是不是想在車裏等着？你是不是想在車裏等着？再這樣我就把你丟在車裏。
Mike：對不起。
Molly：好吧，現在來選火雞。讓我看看，我們有六個人。雜誌上說，每個人半磅火雞。
Mike：真的嗎？那只有三磅啊。你也可以隨便從烤架上弄隻鴿子。我們還是買隻二十磅的吧。你也知道多了總比不夠好。
Molly：我們不會吃這麼多火雞的。
Mike：你確定？如果有人最後加入怎麼辦？
Molly：誰啊？
Mike：任何人都有可能。我是指，Carl可能會來，他可能會帶上他奶奶。天曉得Samuel會不會過來向我們介紹一下他的五位塞內加爾室友。
錦囊妙語
1 food safety
食品安全
2 natural food
天然食品
3 quick-frozen food
速凍食品
4 convenient food(fast food)
方便食品
5 Salesclerk：Good evening. What can I do for you?
John：Yeah, I can't find the instant noodles.
Salesclerk：Oh, that would be in the pasta aisle.
John：Where is it?
Salesclerk：They are on your left. What kind of instant noodles would you like?
John：Are there any discounts?
Salesclerk：If you buy six, you get one free.
John：Ok, I'll buy it.
Salesclerk：晚上好，您買點兒甚麼？
John：你好，速食麪在哪兒？
Salesclerk：哦，應該在麪食那排。
John：在哪兒啊？
Salesclerk：在您左邊的貨架上。您想要甚麼樣的速食麪？
John：有折扣嗎？
Salesclerk：買六送一。
John：好吧，我就買這個了。
04 推銷商品
萬用句型
1.You will be interested to hear that we have just marketed our new product.
我們的新產品剛剛推出上市，或許你有興趣瞭解下。
2.Are you interested in a particular brand?
您有沒有感興趣的品牌？
3.It's on sale now. I can give you a half price.
現在正在促銷，我給你半價。
4.We have some special offers!
我們有一些特價產品！
本段對話選自Desperate Housewives（《絕望的主婦》)，地點發生在Charlotte 小姐的娃娃工廠， Gaby 帶Juanita 挑選娃娃作生日禮物，Charlotte小姐向其進行推薦。
Charlotte：Welcome to Miss Charlotte's doll academy. I'm Miss Charlotte, how can I serve you today?
Gaby：We are here to buy a doll.
Charlotte：Oh, I'm sorry. We don't sell dolls here.
Gaby：Really? Wow, this place gets creepy fast.
Charlotte：But I do let good little girls adopt some of my friends. Are you ready to be a mommy?
Juanita：I don't care.
Gaby：Oh, she's kidding. She would love a doll, and I want to do something special for her birthday. So let's get this adoption going.
Charlotte：Very good, I have someone in our royalty cabinet I'd love for you to meet.
Gaby：Look, I am sorry about everything you've been through the past few days. But I'm trying to show you how much I love you. Can't you meet me halfway?
Charlotte：This is Lady Catherine. She's the toast of Buckingham Palace. The trim on her cloak is real ermine.
Gaby：Ooh! Isn't she gorgeous?
Juanita：Wow!
Charlotte：I'll go prepare her papers.
Gaby：Are you happy, sweetie?
Juanita：Yeah!
Charlotte：歡迎來到Charlotte小姐娃娃工廠，我是Charlotte小姐，有甚麼能幫您的？
Gaby：我來這裏買洋娃娃。
Charlotte：哦，抱歉，我們這裏不賣洋娃娃。
Gaby：是嗎？哇，這裏突然有點讓人發毛了。
Charlotte：不過聽話的小姑娘可以收養我的朋友們。準備好做個媽媽了嗎？
Juanita：我沒興趣。
Gaby：她開玩笑的。她可想要娃娃了，我想給她過個難忘的生日。咱們趕緊收養一個吧。
Charlotte：很好，我想給你介紹皇室陳列櫃裏的這一位。
Gaby：抱歉啊，過去幾天讓你難受了，我這就要表現一下，讓你知道我有多愛你。你就饒了我成不？
Charlotte：這位是Catherine小姐，是白金漢宮的皇族，她斗篷上的裝飾是真貂皮的哦。
Gaby：哇，真是美呆了。
Juanita：哇哦。
Charlotte：我去幫她辦手續。
Gaby：開心嗎，寶貝？
Juanita：是的。
錦囊妙語
1 heavy buyer
大客戶
2 in-store promotion
店內促銷
3 individual brand
個別品牌
4 market targeting
目標市場選擇
5 Lucy：I don't have any time to spare, Jenny.
Jenny：I understand you're busy, Mrs. Black. I just wanted to show you these products for skin care.
Lucy：No, I'm sorry. I don't have any more time.
Jenny：I see, Mrs. Black, but your skin is too dry. You'd better use some hydrating products.
Lucy：Really? I don't do skin care often. And I never come to a beauty salon.
Jenny：Well, you can try our hydrating package. It has good effects.
Lucy：How much?
Jenny：$1,000. And you can have skin care here for free and have our member card for free if you buy it.
Lucy：OK, I will take one.
Lucy：我一點兒時間也抽不出來，詹妮。
Jenny：我知道您很忙，布萊克夫人。我只想給您看一眼這些護膚產品。
Lucy：不行，很抱歉。我沒有時間。
Jenny：我明白，布萊克夫人。但是你的皮膚太乾了，應該多補水。
Lucy：是嗎？我平時很少做保養，並且從不去美容院。
Jenny：你可以試一下我們這裏的補水套裝，效果很好的。
Lucy：多少錢一套？
Jenny：一千美元。你買了套裝，就可以免費到我們這裏來做護膚，還可以免費辦我們的會員卡。
Lucy：好，那我買一套吧。