英語口語每天說上半小時 049

49.Bank 銀行(上)

1.A current account,please. 請開一個活期賬戶。

2.I want to deposit 150 dollars in my account. 我想存150美元在我的賬戶上。

3.I 'd like a deposit account. 我想開一個存款賬戶。

4.How do we open a current account? 如何開一個活期賬戶?

5.I'd like to know my balance,please. 我想知道我的余額。

6.What's the interest rate for the savings account? 儲蓄賬戶的利率是多少?

7.The interest rate for the savings account is 4.5%. 儲蓄賬戶的利率是4.5%。

8.Could you explain the different accounts you offer?

你能解釋一下你們提供的不同賬戶之間的區(qū)別嗎?

9.Please sign your name on this form. 請?jiān)诒砩虾炆夏愕拿帧?/p>

10.Please fill out these forms and sign your name. 請?zhí)顚戇@些表并簽名。

Dialogue One

A:I want to open a saving account,sir.What's the proper procedure?

先生，我想開一個儲蓄賬戶。正確的手續(xù)是怎么樣的?

B:First,you fill out the application form and then we'll issue you a passbook.

首先，你要填這份申請表，然后我們會發(fā)給你一本存折。

A:Is there any minimum for the first deposit?

第一次存款有最低限額嗎?

B:No,Even a dollar is all right.Here's your passbook,sir;just sign your name on it.

沒有。即使1美元都行。這是你的存折，先生;在上面簽上你的名字。

A:What is the annual interest rate?

年利率是多少?

B:It varies from time to time.At present it is 6%.

利率總是在變化。現(xiàn)在是6%。

A:By the way,can I open a checking account too?

順便問一下，我還能再開一個活期存款賬戶嗎?

B:By all means.But you have to deposit enough money before you can write out your checks.

當(dāng)然可以。但是你必須有足夠的存款才能開支票。

Dialogue two

A:Morning.May I help you?

早上好。我可以幫你嗎?

B:Yes.I'd like to open an account that enables me to draw money easily.

是的。我想開一個賬戶，讓我取錢可以容易點(diǎn)。

A:Well,in that case,I think a checking account may be more convenient for you.However,there's a service charge.

好的，如果是那樣的話，我想活期存款賬戶對你來說我更方便一點(diǎn)。然而，活期存款賬戶要收服務(wù)費(fèi)。

B:How much is the service charge?

服務(wù)費(fèi)是多少?

A:One percent.

1%。

B:Sounds reasonable.Will 300 dollars be enough for a minimal deposit?

聽起來還算合理。最低存款限額300美元夠嗎?

A:More than enough.Please fill in this form.

搓搓有余。請?zhí)钸@張表。

B:Anything else?

還有其它的嗎?

A:Your passport,please.

這是你的存折。

Dialogue Three

A:Good moming,sir.What can I do for you?

先生，早上好。有什么我可以幫你的嗎?

B:Good moming.I would like to open a new account.I want to deposit 500 dollars.

早上好。我想開一個新賬戶。我想存500美元。

A:Very good,sir.What kind would you like?

非常好，先生。你想要哪種賬戶呢?

B:Could you tell me how many kinds there are in your bank?

你可以告訴我你們銀行有多少種賬戶嗎?

A:Besides the checking account,there's a monthly savings account and a daily interest account.

除了活期存款賬戶，還有按月計息和按年計息的賬戶。

B:Oh,I think I'd like to take the monthly savings account then.

噢，那我想我要開一個按月計息的戶頭。

A:Would you fill out this form?

填一下這張表好嗎?

B:OK.Here you are.

好的。給你。

A:All right.And here's your deposit book.

行了。這是你的存折。

B:Thank you.Goodbye.

謝謝你。拜拜。

A:Goodbye.

拜拜。

開戶

Yesterday Cathy went to the bank.She asked the bank manager about savings account.She decided to open a savings account.That means she can deposit or withdraw her money at any time.First she signed a signature card.The signature card shows the bank how she signs her name.On the signature card she printed her name,address,home phone number,social security number, driver's license number,date of birth,occupation,and her employer's name and address.Cathy deposited $1000.The bank manager gave her her account number for her new savings account.

卡西昨天去銀行。她問了銀行經(jīng)理一些儲蓄賬戶的事宜。她決定開一個儲蓄賬戶。這就意味著她能隨時存取款。首先，她簽了一張簽名卡。簽名卡給銀行展示她是如何簽名的。在簽名卡上，她寫上姓名、家庭電話號碼、社會保險號碼、駕駛證號碼、出生日期、職業(yè)和她的雇主的名字、地址。卡西存了1000美元。銀行經(jīng)理把新的儲蓄賬戶號碼給了她。

Bank　銀行(下)

1.How do you wish to draw your money? 你想取多少錢?

2.How much do you want to change? 你想換多少錢?

3.How would you like it? 你覺得這個怎么樣?

4.What kind of currency do you want to change? 你想換哪種貨幣?

5.In fives,please. 請給我換成伍元面值的。

6.How should I give it to you? 我要如何給你呢?

7.In what denomination? 什么面值的?

8.Give me some small notes,please. 請給我一些小鈔。

9.I want to withdraw some money from my current account,please.

我想從我的活期存款賬戶取一些錢。

10.I'd like to buy a bank draft. 我想買一張銀行匯票。

11.Can I cash a check here? 我可以在這里兌換支票嗎?

12.Could you cash this traveler's check,please? 你能幫我兌換這張旅游支票嗎?

13.Here's your passbook. 這是你的存折。

14.Do you have your passport with you? 你有帶護(hù)照嗎?

15.Could I see your ID card,please. 我可以看一下你的身份證嗎?

Dialogue One

A:May I help you?

我可以幫你嗎?

B:I'd like to withdraw some money.

我想取一些錢。

A:Please fill in the slip,stating the exact amount you wish to withdraw.

請?jiān)谶@張小便條上寫下你想取款的賬戶。

B:All right.And here's my bankbook.Is that all?

好了。這是我的存折。這樣就行了嗎?

A:Your ID card,please.

請出示你的身份證。

B:Oh,yes.Here it is.

噢，是的。這里。

A:Do you want large ones or small ones?

你想要大鈔還是小鈔?

B:Four in hundred,one in ten,please.

4張100的和一張10元的。

A:Wait a minute,please....Here's the cash.

請稍等…這是你的現(xiàn)金。

B:By the way,I'd like to change some U.S. dollars to pounds and I want to know today's exchange rate.

順便問一下，我想把一些美金換成英鎊，我想知道今天的匯率。

A:Well,sir.According to today's exchange rate,every pound in cash is equivalent to 1.89 U.S. dollars.How much would you like to change?

好的，先生。根據(jù)今天的匯率，1英鎊現(xiàn)金相當(dāng)于1.89美元。你想換多少錢?

B:I want 100 pounds.And here are 189 U.S. dollars.

我想換100英鎊。這里是189美元。

A:...OK.And here's your money.

好的。這是你的錢。

B:Thank you.And goodbye.

謝謝你。拜拜。

A:Goodbye.

拜拜。

Dialogue Two

A:May I help you?

我可以幫你嗎?

B:I'd like to cash this check,please.

我想兌換這張支票。

A:Do you have an account with us?

你在我們這里有賬戶嗎?

B:Yeah.Here's my identification card.

是的。這是我的身份證。

A:Do you want large or small bills?

你想要大鈔還是小鈔?

B:Actually,I want to buy some traveler's checks.

事實(shí)上，我想要買一些旅游支票。

A:What denomination?

什么面值?

B:Twenties would be fine.

20元就行了。

A:Do you want the whole amount in traveler's check?

你想全部兌換成旅游支票嗎?

B:Yes,please.

是的。

Dialogue Three

A:Can I help you,sir?

先生，我可以幫你嗎?

B:Uh,yes.I'm going to the States and I need some traveler's checks.

額，是的。我將要去美國，我需要一些旅游支票。

A:All right.How much do you need?

好的。你需要多少?

B:One thousand U.S. dollars.

1000美元。

A:One thousand U.S. Mm hmm.And are you going to pay cash?

1000美元。嗯…你想用現(xiàn)金支付嗎?

B:Oh,no.I want to withdraw from my U.S. dollars savings account.

噢，不。我想從我的美元儲蓄賬戶上取錢。

A:All right.Now can I have your passbook?

好的?，F(xiàn)在我可以看一下你的存折嗎?

B:Right.Here it is.

行。這里。

A:Thank you.And what amounts do you want the checks in?

謝謝你。你想把你的支票換成什么面額的?

B:Mm.In hundreds,please.

嗯，請換成100的。

精打細(xì)算

Do you want to save money?You can make a budget and save money.It's important to know how much money you spend a month.Some expenses are the same every month,for example,rent,car loan payments ,and car insurance.But some expenses change every month.For example,Let's say during the winter you use a lot of gas to heat your home.Then your gas bill is very high.In the summer you don't heat your home.Then your gas bill is low.You spend a different amount each month on gas for your home.

你想存錢嗎?你可以制定一個預(yù)算案來存錢。了解一個月花多少錢是很重要的。一些開支每個月都相同，例如：租金、汽車貸款和汽車保險。但是一些開支個個月都在變化。例如。我們這樣說，冬天的時候你用了很多煤氣來給房間供暖。那么你的煤氣賬單將會很高。夏天的時候，你不用給房間供暖。那么你的煤氣賬單就很低。你家里每個月用在煤氣上的費(fèi)用就不同了。

It's important to save money for emergencies.Let's say you and your husband or wife work.Your husband or wife has an accident and can't work for two months.What can you do?How can you pay your bills?You can save money every month for emergencies.It's important to include money for emergencies in your budget.

存錢應(yīng)急是很重要的。我們這樣說，你和你的丈夫或妻子都在工作。你的丈夫或妻子發(fā)生意外，兩個月不能去上班。你能怎么辦?你要如何支付你的賬單?你可以每個月存點(diǎn)錢來應(yīng)急。把你應(yīng)急的錢算入你的預(yù)算里面是很重要的。