15. This kind of detergent is of good quality and has a good market in thisarea. 这种洗涤剂质量好并且在这一地区有很好的市场。
detergent /dit：ddZnt/ n. 洗涤剂，去垢液，洗衣粉
Chapter 9 理财经济
1 I live from a paycheck to paycheck.
我是一个“月光”族。
触 类 旁 通
I am a “Moonlight”group.
我是一个“月光”族。
超 级 情 景 会 话
Paycheck to Paycheck
Lillian： Can I talk to you for a second
Zhu： Sure， whats up
Lillian： Where do you get all of your money
Zhu： Well， from my job， obviously. Why did you ask me that
Lillian： Oh， alright. I was just curious. It seems like youve beenspending all your money on stuff you dont need.
Zhu： Well sure， but its my money.
Lillian： I just dont want to see you get into debt. Thats all.
Zhu： I guess you are right. Maybe I should look into budgeting thingsa little better.
月光族
Lillian：我能跟你谈谈吗？
Zhu：当然，有什么事吗？
Lillian：你的钱是从哪里来的？
Zhu：当然是我自己上班挣的了。你为什么问我这个？
Lillian： 哦，我只是好奇。你好象经常把钱花在买一些你不需要的东西上。
Zhu：嗯，但是那是我的钱。
Lillian：我只是不想看你负债。仅仅而已。
Zhu：我想你是对的。或许我应该多关注一些便宜的东西。
经 典 释 疑
whats up 有什么事吗？
whats up：①有什么事吗？②近来可好？③在忙些什么？④出什么事了（怎么了）？
常 用 语 聚 焦
1. Could you lend me some money 能借点钱给我吗？
2. If I dont find a new job I wont be able to keep up with my money. 如果我找不到新的工作，我的钱可能就不够用了。
3. I really need this next paycheck or I wont be able to make rent. 我盼望下月的工资，否则我就交不起房租了。
4. Im scared Ill have to take out a second mortgage. 我怕我又得交第二期的抵押贷款了。
5. If this raise doesnt come through， I wont have money for food. 如果这次提薪没有通过，我连吃饭的钱都没有了。
6. Im afraid Ill have to take a payday loan out to make ends meet. 我恐怕得弄一个发薪日贷款来保持收支平衡了。
7. I cant even afford to eat this week. 这周我连吃饭的钱都没有了呢。
8. I dont think Im going to be able to make ends meet. 我觉得我没办法做到收支平衡。
9. Is it ok if I borrow some money 借给我点钱可以吗？
10. I might have to file for a second mortgage. 我可能要申请第二期按揭贷款了。
2 Maybe I should throw away my credit
cards. 也许我应该扔掉信用卡。
触 类 旁 通
If you really want to stop spending so much money， throw away at least half of your credit cards！
如果你们真的想终止高额的花销，至少要扔掉你们一半的信用卡。
超 级 情 景 会 话
Doing a Budget
A： Welcome Mr. and Mrs. Carnwell， please take a seat.
B： Thank you.
A： So I understand that your family spending has skyrocketed and youwant to start budgeting.
C： Yes， thats correct. Frankly speaking， our household income isrelatively high and we have never had any money problems， but I thinkthis is the main reason as to why our spending has gone out of control.
B： We have two kids and with allowances， paying their credit cards， oursand not to mention our mortgage and car payments. With the recenteconomic downturn， my husbands business has suffered and now weneed some advice as to how we can prepare a family budget.
A： I see. Well you have come to the right place. First what we need to do，is determine your cash flow. Knowing how much money is coming inwill help us allocate spending to different categories such as mortgage，education， groceries， etc.
B： Yes， that makes sense.
A： Secondly， I need you to bring all of your receipts for the last two tothree months. That way， we can determine what your average expendiParttures are and see which category you are spending money on the most.
Usually， your fixed costs are higher and we cant do much about that，but we can usually trim your variable costs such as entertainment orclothing.
C： Great！ We will do that then！ Now how about we treat you to a nicedinner
A： Thats another thing. If you really want to stop spending so muchmoney， throw away at least half of your credit cards！
做预算
A：欢迎Carnwell 夫妇，请坐。
B：谢谢。
A： 那么我了解到了你们的家庭支出在飞涨于是从现在起你们打算要做个预算。
C： 是的，你说的没错。一般来讲我们的家庭收入算是相对较高的了，我们从来没有任何财政问题，但我认为这就是为什么我们的支出会超出控制的主要原因。
B： 我们有两个孩子并且都有补贴，支付他们和我们自己的信用卡，还不算房贷和车的花销。随着近日经济的下滑，我丈夫的事业受到很大的影响，现在我们需要了解到的是如何做一个家庭预算。
A： 我明白了。那么你是来对地方了。我们首先要做的是，确认一下你们现在的流动资金。知道有多少钱可以帮助你们分配在不同物品的花销上，如房款、教育、生活用品等。
B：是的，你说得有道理。
A： 其次，我需要你们把上两三个月的所有收据都带来。那样的话，我们就可以确认一下你们的平均支出并看看你们哪一项的花销最多。通常来说，你们的固定花销比较高我们对此也束手无策，但是通常我们可以削减你们的可变花销，例如娱乐和服装。
C： 太好了！我们会按照那样做的！那么现在我们请你吃顿饭怎么样？
A： 那是另一码事。如果你们真的想终止高额的花销，至少要扔掉你们一半的信用卡。
常 用 语 聚 焦
1. He can only maintain the daily expenditure reluctantly. 他仅能勉强维持日常开支。
2. The overhead costs are ridiculously expensive. 日常开支太高了。
3. Expenditures by the Federal Government have been steadily pared. 联邦政府的开支正在逐渐削减。
4. An announcement of further cuts in government expenditure isimminent. 最近将发布进一步削减政府开支的公告。
5. The expenditure of money on clothing is very large. 购置衣物的开支很大。
6. We intend to cut expenditure on travelling. 我们打算削减旅行开支。
7. Do you know your total expenditure of the whole year 你们计算过你们的全年开支吗？
8. If you want to cut down your daily expenditure， youd better throwaway your credit card. 如果你想减少日常开支，你最好扔掉信用卡。
9. Our cost is too high to our endurance. 我们的花销超出了我们的承受能力。
10. This month we need do a budget. 这个月我们需要做个预算。
3 I want to trade stocks.
我想炒股。
触 类 旁 通
I would like to trade stocks.
我想炒股。
超 级 情 景 会 话
Talking about the Stock
(Oliver and Peter are talking about buying stocks.)Oliver： I cant help opening an online trading account， Peter. The shareprice is skyrocketing.
Peter： Quite understandable. No one would say “No” to money. Whichstock do you plan to buy
Oliver： Did you hear about the latest tech IPO Im thinking about that.
Peter： I know that. My cousin made a ton of cash on it in a single day.
Oliver： Great. He is on a gravy train.
Peter： Well， I dont really intend to encourage you. You know， Oliver，the stock market is surely a good place to put your spare cash， butit is risky. Be sure that you wont overextend yourself.
Oliver： Thank you， Peter. Really. I will diversify my investment.
Peter： Diversify
Oliver： Diversification is very important in todays market. In general，invest some of your money in bonds or funds， and about one-thirdin stocks.
Peter： Go on， Oliver.
Oliver： Bonds and funds are safer investments， stocks are risky.
Peter： Thank you for your good suggestions.
谈论股票
（奥立弗和彼得正在谈论股票。）奥立弗：彼得，我忍不住开了个网上交易账户，股票价格正在疯涨。
彼 得：可以理解。没有人能够对钱说“不”。你打算买哪支股票？
奥立弗：你有没有听说过最新上市的科技股，我正在考虑。
彼 得：我知道，我表哥一天之内在这上面赚了一大笔。
奥立弗：太好了，他真走运。
彼 得： 我可不是鼓励你。要知道，奥立弗，股票市场是流动闲散资金的好地方，但是有风险的。注意要量力而行。
奥立弗：谢谢你，彼得，真的。我会分散我的投资的。
彼 得：分散？
