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ESL Podcast 352 – Understanding Interest Rates

时间：2010-11-06 02:13:02

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（单词翻译）

Kerry: I need to take out a small business loan and I’m trying to figure out what the interest rate would be. Do you understand this stuff?

Oscar: If it’s the same as a mortgage loan, then I think I understand it in general terms. The interest rate would be the percentage of the amount you plan to borrow. It’s usually calculated as an annual rate. So, for instance, a 10 percent interest rate on $100 would be $10 a year.

Kerry: Okay, I see, but how is my monthly payment calculated?

Oscar: As the borrower, your monthly payment depends on the term of your loan. Each month, you’ll pay money toward the principal, plus the interest you owe the lender. The bank may also assess other fees for processing your loan, so make sure to read the fine print.

Kerry: Thanks. I understand it a little better now.

Oscar: Are you sure you want to go down that road? You don’t want to default on your loan and ruin your credit score. Maybe there are other options.

Kerry: Maybe there are, but I just don’t see any right now. I have an appointment with an accountant next week and hopefully she can advise me on the best course of action.

Oscar: Good luck and let me know if I can help.

Kerry: Thanks, I will.


Script by Dr. Lucy Tse


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0 accountant KygzC     
n.会计员，会计师
参考例句：
  • I'm an accountant at a foreign bank.我在一家外资银行做会计。
  • He was satisfied with his earnings as an accountant.他对自己会计师的收入很满意。
0 action 3JOy0     
n.动作；情节；作用；举动
参考例句：
  • The time has come for action.行动的时候到了。
  • Is your machine still in action?你的机器还在运转吗？
0 advise jKPyk     
vt.劝告，通知，与…商量，建议；vi. 提意见，商量
参考例句：
  • I strongly advise against it.我强烈反对这样做。
  • We advise that steps be taken at once.我们建议立即采取措施。
0 also 5LHyk     
adv.也，亦；并且；同样；而且，还
参考例句：
  • I also like chocolate ice cream.我也喜欢吃巧克力冰淇淋。
  • People also like to have a Christmas tree in the living-room.人们同样喜欢在起居室内摆一棵圣诞树。
0 amount BLYyE     
n.数量，总额；v.总计，等于
参考例句：
  • What is the amount of this?这总共是多少？
  • You'll have any amount of time after your exam.考试过后，你们会有很多的时间。
0 annual AMhys     
adj.每年的；一年的；（植物）一年生的 n.年刊；一年生植物
参考例句：
  • It's an annual report.这是年度报告。
  • The kind of plant is a hardy annual.这种植物是耐寒的一年生植物。
0 any rMyy5     
adj.任何的；所有的
参考例句：
  • I don't have any hobbies.我没有任何的爱好。
  • It isn't any use.它任何用途都没有。
0 appointment fNTyz     
n.约会，指定
参考例句：
  • I have an appointment with him at four o'clock.我和他四点钟有个约会。
  • They made an appointment for the second day of May.他们在五月二号有个约会。
0 as pNiyL     
conj.按照；如同
参考例句：
  • He got work in a hotel as a waiter.他在一家旅馆找到了当服务生的工作。
  • In the hotel,the old men were drinking away as usual.在旅馆里，这些老人和往常一样喝个不停。
0 assess kODyv     
vt.对…进行估价；评价，评论
参考例句：
  • They assess his house at 15000 yuan.他们给他房子的估价为15000元。
  • We should equitably assess historical figures.我们应该公正地评价历史人物。
0 bank FP5yI     
n.银行，堤，岸
参考例句：
  • Where is the nearest bank?最近的银行在哪里？
  • Time is a river with no bank.时间是一条无岸之流。
0 best 8QAyJ     
adj.最好的（good和well最高级）；adv.最好地；最
参考例句：
  • Summer is the best season.夏天是最好的季节。
  • I like blue best.我最喜欢蓝色。
0 better yoLyT     
adj.更好的(good和well的比较级)；更熟练的；好的；健康的； adv.更好地；更妥；更恰当
参考例句：
  • I know you better than him.我了解你胜过了解他。
  • She is better at singing.她更擅长于歌唱。
0 borrow LRLyI     
vt.借，借入，借用；vi.借
参考例句：
  • Can I borrow two books at a time?我可以一次借两本书吗？
  • You can borrow this dictionary from the library.你可以从图书馆借到这本字典。
0 borrower a9e0ce5948901f85546701a53ea2c1f3     
n.借钱人；借用人，剽窃者
参考例句：
  • The borrower defaulted, and the bank instituted a foreclosure suit. 借贷人违约，银行就制定了一个取消赎回权的诉讼。 来自英汉非文学 - 环境法 - 环境法
  • Book and borrower numbers are encoded on to bar-coded labels. 图书和借书者的编号编到了条形码标记上。 来自辞典例句
0 business 1ScyK     
n.商业， 买卖， 交易， 生意， 事情， 事物， 营业， 商行
参考例句：
  • My father built his business on years of hard work. 我父亲多年奋斗创立了自己的事业。
  • We must finish up this business in a day or two. 我们必须在一两天内把这事结束。
0 calculated WxgzL5     
adj.蓄意的
参考例句：
  • Cash income is calculated by subtracting total trading income from total receipts. 现金收入是从总收入中减去总贸易收入来计算的。
  • I calculated that the trip would take two days. 我估计这段路程要走两天时间。
0 course 1zcx6     
n.课程，讲座，过程，路线，一道(菜)
参考例句：
  • The college course was then cut to three years.大学学制那时缩短到三年。
  • Of course,I don't always sleep in the afternoons.当然，我并不总是在下午睡觉。
0 credit pOGzH     
n.信用，荣誉，贷款，学分；v.归功于，赞颂，信任
参考例句：
  • I credit him with a certain amount of sense.我认为他有一定的见识。
  • He got the credit,and we did the dirty work.他得荣誉，我们做不讨好的工作。
0 default s9zyr     
n./v.拖欠，违约，欠缺，默认，缺省
参考例句：
  • He lost the world title by default.他由于弃权而失去了世界冠军的称号。
  • In default of experts' help,we shall have to rely on our own efforts.没有专家的帮助，我们将只得依靠自己的力量。
0 depends 847c8ebb0e477b63fbc34fc0cd42b404     
v.依靠( depend的第三人称单数 )；依赖；信赖；决定于
参考例句：
  • The success or failure of the plan depends on you. 这项计划的成败取决于你。
  • Our future prosperity depends on economic growth. 我们未来的繁荣昌盛依赖经济的发展。
0 Dr euozHa     
n.医生，大夫；博士(缩)（= Doctor）
参考例句：
  • Dr.Williams instructs us in botany.威廉博士教我们植物学。
  • The ward of the hospital is in the charge of Dr.Green.医院的这间病房由格林医生负责。
0 each yrNxG     
adj.每个，每，每一；adv.每个；int.每个，个人，个自
参考例句：
  • Each boy has a textbook.每个男孩都有课本。
  • Each child brought a little present to the mother.每个孩子给母亲带来一件小礼物。
0 fees a1ff09453cc85d1a8cc7fb1f4911f8e4     
费用； （加入组织或做某事付的）费( fee的名词复数 )； 专业服务费； 咨询费； 报酬
参考例句：
  • Employees are reimbursed for any legal fees incurred when they relocate. 员工调往异地工作时，他们可以报销由此产生的所有法律服务费用。
  • As a scholar you will not have to pay college fees. 作为接受奖学金的学生，你不必付大学的费用。
0 figure AkzxI     
n.数字，算术，图解；轮廓；vi.计算，出现，扮演角色；vt.计算在内，估计，推测，认为
参考例句：
  • I will check up the figure.我来核对一下这个数字。
  • I'm watching my figure.我一直注意保持身材。
0 general xgaxv     
n.一般，将军，大体；adj. 一般的，普遍的；v.指挥，作...将军
参考例句：
  • The general had a severe manner.那位将军态度严肃。
  • It is general knowledge that he will come tomorrow.大家都知道他明天来。
0 help 6dwxc     
v.帮助，帮忙
参考例句：
  • Maybe I can help you.也许我可以帮你。
  • Please help me with English.请帮我学英语。
0 instance 66oxM     
n.例，例证，实例
参考例句：
  • Can you quote me a recent instance?你能给我举一个最近的例子吗？
  • He's a greedy boy,yesterday,for instance,he ate all our biscuits!他是个贪吃的孩子――比如，他昨天把我们的饼干都吃了！
0 interest bRbzu     
v.引起…关注；使…感兴趣
参考例句：
  • She lost interest in him.她对他失去兴趣。
  • He developed an interest in science.他养成了对科学的兴趣。
0 just M3rxN     
adv.仅仅，只是；刚刚
参考例句：
  • He is just a child.他只是个孩子。
  • We just missed the train.我们正好没有赶上火车。
0 loan w0RxB     
n.贷款；借出的东西；借；vt.借出；贷予
参考例句：
  • I asked the bank to help me with a loan.我请银行给我一笔贷款。
  • Has the bank okayed your request for a loan?银行批准你的贷款要求了吗？
0 luck KAGxr     
n.运气，幸运，吉祥之物；v.侥幸成功
参考例句：
  • I'll try my luck.我要碰碰运气。
  • Good luck! We'll keep our fingers crossed for you.祝你好运！ 我们将为你祈祷。
0 maybe UBuxW     
adv.可能，大概，也许
参考例句：
  • Maybe your watch is slow.或许你的表慢了。
  • Maybe she has a boyfriend.也许她有男朋友。
0 money zwEyI     
n.钱，财产，货币
参考例句：
  • We need some more money.我们还需要些钱。
  • His money comes mainly from business.他的钱财主要来自经商。
0 month vE1xE     
n.月，月份
参考例句：
  • He reached Beijing last month.他上个月到达北京。
  • February is the second month.二月是第二个月。
0 monthly 7EixE     
adj.每月的，持续一个月的，每月发生的；adv.每月，按月； n.月刊；(复数）monthlies:月经
参考例句：
  • The rent on his apartment was his biggest monthly expense.他的房租是每个月最大的开支。
  • The monthly rent is $15,inclusive of light and water.每月租金15美元，包括水电费在内。
0 mortgage k6Sz2     
n.抵押，抵押贷款；vt.抵押
参考例句：
  • He's having a lot of trouble paying his mortgage every month.他付每月的抵押借款利息有很大的困难。
  • The bank refused to accept any mortgage on land.银行拒绝接受任何土地抵押。
0 need 7GIxk     
vt.需要，要；aux.必须，不得不；n.需要，必要；需用的东西，需求
参考例句：
  • We'll be happy to help if you need us.如果你需要的话，我们将乐意帮助。
  • There is no need to shout angry words at me.用不着冲我嚷。
0 Okay 8Iax3     
(=okey，O.K.)adj./adv.好，行，不错；n.同意
参考例句：
  • The play is okay,but I still prefer the book.戏还可以，可我仍愿读原著。
  • Is it okay with you if I borrow this book?我借这本书你不在意吧？
0 options 93da65a9fd0004d9477aeac024e08e15     
n.选择(option的名词复数 )；选项；选择权，选择能力；[经济]买卖的特权
参考例句：
  • She considered her options. 她仔细考虑了自己的各种选择。
  • We are considering the options available to us in this no-win situation. 在这种取胜无望的情形下，我们在考虑有什么选择。
0 owe wKjxk     
vt./vi.欠（债等）；感激；把……归功于某人
参考例句：
  • We still owe one hundred dollars for the car.为这部车我们还欠着100美元。
  • We owe it to society to make our country a better place.把国家建设得更美好是我们对社会应尽的责任。
0 pay NL6xI     
v.付钱；n.付钱；薪金
参考例句：
  • How much did you pay?你付了多少钱？
  • His pay is below the average.他的工资低于一般水平。
0 payment qL4xJ     
n.付款，支付，偿还，偿还，报应
参考例句：
  • I gave ten pounds in payment for the goods I bought.我买那些东西付了10英镑。
  • This last payment will wipe out your debt to me.这最后一笔付款将了结你欠我的债务。
0 percent 3MSxl     
adj./adv.百分之一，(与基数词连用)百分之...；n.百分之...
参考例句：
  • The goal was missed by less than one percent.差不到百分之一就完成目标了。
  • Forty percent of her money is spent on books.她把百分之四十的钱用来买书。
0 percentage WMixl     
n.百分比，比率，部份
参考例句：
  • Television attracts a large percentage of the people.电视吸引了大部分观众。
  • A large percentage of school-books now have pictures.现在大部分教科书有插图。
0 plan UNOxW     
n.计划，策略，方法；v.计划，设计，意欲
参考例句：
  • What do you plan to do during the holidays?你打算在假期里做什么？
  • I talked with him about our plan,and he wanted in.我同他谈了我们的计划，他想参加。
0 plus DOCxc     
n.加号，正号；adj.超过的，正的；prep.加上
参考例句：
  • Four plus five is nine.四加五等于九。
  • All the children here are 12 plus.这里所有的孩子都大于十二岁。
0 principal pQdx2     
adj.主要的；n.负责人，校长，资本
参考例句：
  • When he saw the principal,he raised his hand in salutation.他看到校长时举手敬礼。
  • Their school gave a reception to their new principal.他们学校为新校长举办了一个招待会。
0 print 5Qkx0     
v.印；印刷；出版；n.印痕；印刷；印刷字体
参考例句：
  • This book has clear print.这本书印刷字体很清晰。
  • Will you print in the missing names for me?你能替我把那些漏掉的名字添上吗？
0 processing ukPzuQ     
n.（数据）处理；整理；配置；工艺（生产方法）设计v.加工( process的现在分词 )；处理；审阅；审核
参考例句：
  • We have developed rapid order processing to expedite deliveries to customers. 我们已创造了快速处理订单的方法以便迅速将货物送达顾客。
  • A computer is a device for handling of processing information. 电脑是一种资料处理装置。 来自《简明英汉词典》
0 rate 3Tux1     
n.比率，率，速度，价格，费用，等级；vt.估价，认为，鉴定等级，责骂；vi.被评价
参考例句：
  • England will increase the rate from 5 to 6 per cent.英国将提高利息从5%到6%。
  • How do you rate our team's chances of winning?你认为我们队获胜的概率是多少？
0 road SXIxc     
n.道路，公路
参考例句：
  • They walked slowly along the road.他们沿公路慢慢走。
  • There's a hotel across the road.路的另一边有一家旅馆。
0 ruin 1XGxY     
vt.（使）毁坏；（使）毁灭；n.(复)废墟；遗迹
参考例句：
  • How can you stand by and watch the country go to ruin?你怎么可以看着国家将亡而无动于衷呢？
  • The old empty house soon went to rack and ruin.这所旧的空房子很快就毁坏了。
0 score 7ZLx9     
n.(比赛中)得分，分数；(测验中)成绩
参考例句：
  • The score is four to three.比分是四比三。
  • Her score on the test was 95.她的考试成绩是95分。
0 script 2Z4x4     
n.剧本，广播稿；文字体系；笔迹，手迹
参考例句：
  • It's easy to identify his script.他的笔迹容易辨认。
  • The script is massaged into final form.这篇稿子经过修改已定稿。
0 stuff Itsw1     
n.原料，材料，东西；vt.填满；吃饱
参考例句：
  • We could supply you with the stuff in the raw tomorrow.明天我们可以供应你原材料。
  • He is not the stuff.他不是这个材料。
0 sure wHkza     
adj.肯定的；一定会…的；有信心的，有把握的
参考例句：
  • I'm sure he wouldn't mind.我肯定他不会介意。
  • I am sure they'll succeed.我肯定他们会成功。
0 term ppSw1     
n.学期，术语，名词，期限；v.称，呼
参考例句：
  • The first term begins in September.第一学期自九月开始。
  • She is doing her term paper.她在写学期论文。
0 terms NgwzbP     
n.条件；表达方式；措辞；说法；任期( term的名词复数 )；（学校的）学期；[复数]（合同、付款、价格等的）条件；时期
参考例句：
  • We're all on Christian name terms here. 我们这里所有的人都用教名相互称呼。
  • He was imprisoned for two concurrent terms of 30 months and 18 months. 他被判处30个月和18个月的监禁，合并执行。
0 toward on6we     
prep.对于，关于，接近，将近，向，朝
参考例句：
  • Suddenly I saw a tall figure approaching toward the policeman.突然间我看到一个高大的身影朝警察靠近。
  • Upon seeing her,I smiled and ran toward her. 看到她我笑了，并跑了过去。
0 trying CfLzrE     
adj.令人难于忍受的；难堪的；令人厌烦的v.试图( try的现在分词)；试验，尝试；审讯
参考例句：
  • an ageing pop star trying to stage a comeback 试图重返歌坛的已经上了年纪的流行音乐歌星
  • We are trying to compile a list of suitable people for the job. 我们在努力编制一份适合做这项工作的人员名单。
0 understand lkEwp     
vt.理解，闻知；vi.理解，相信，表示同情
参考例句：
  • I understand how you feel.我了解你的心情。
  • Do you understand this idea?你理解这种想法吗？
0 usually 9jXwX     
adv.通常，平常，一般
参考例句：
  • What do you usually eat?你平时都吃什么？
  • We usually go by train.我们通常坐火车去。
0 week Xg3wb     
n.星期，周
参考例句：
  • The rain lasted a week.雨持续了一周。
  • What shall we do next week?下个星期我们做什么？
0 would 8fPwB     
aux.will的过去式；愿，要；常常；大概；将要，会
参考例句：
  • Why would you say that?为什么你会这么说？
  • Would you please help me?你能帮帮我吗？
0 year mfzwM     
n.年，年度，学年；adj./adv.每年，一年一次
参考例句：
  • Four seasons make a year.四季构成了一年。
  • Spring is the beginning of the year.春天是一年的开始。

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