【kaka礼节美语】118 摆脱债务
Jane找上司Vincent, 可不是为了工作。
Jane: (knock knock) Hi, Vincent...got a second?
Vincent: Sure, Jane...come in. Grab a seat. What's on your mind?
J: ---1---?
V: Not at all. Shoot.
J: Ok...I'll just say it: I'm quite heavily in debt and I need advice on how to get out of this hole I'm in.
Jane问Vincent有没有时间，got a second? 请别人坐，可以说grab a seat. Vincent让 Jane - shoot. Shoot在这儿不是开枪，而是“说吧”。原来，Jane是因为债务缠身，heavily in debt, 让Vincent帮她出主意，to get out of this hole，摆脱困境。
V: I see. Is this mainly credit card debt?
J: Yes. ---2---.
V: You know what? I'm going to ask Anna Wang to join our conversation. She's our company's financial expert.
(Picks up phone) Anna? Would you mind joining me for a second? Thanks.
J: Oh. I don't want to be a burden.
V: No...it's really no problem. Millions of people have fallen into debt and it's great that you are trying to take positive action. Oh, hi Anna. This is Jane.
Anna: Hi Vince. Hi Jane.
Jane不光信用卡欠了很多钱，还有房贷和车贷。Vincent请公司的财务专家Anna来咨询。注意听，Jane欠了多少钱。
V: Jane wants advice on how to get out of credit card debt.
A: Ah. ---3---?
J: Um...it's kind of embarrassing...but Ok...25,000 dollars.
A: Jane, I'm going to be blunt: if I were you, I'd cut up all my credit cards today.
J: All of them?
A: Well, ---4---.
Jane一共欠了两万五千美元。Anna说，I'm going to be blunt，我直话直说：要是我，今天就把信用卡都剪碎。The point is: stop using the cards，关键是：不能再刷卡了。
V: I never used to pay attention to the fine print, but one day I looked up the details from my bank and I discovered I got charged 14% interest!
A: Yes, you really have to read the fine print. In Jane's case though, I'd recommend actually canceling the cards.
J: Can't I get the bank to lower my interest rates?
V: Sure, but you also want to stop new spending ---5---.
消费者一定要注意信用卡的fine print，合同细则，Vince的银行就收他14%的利率。刷卡购物，你以为付的是商品标价，the price tag, 可实际上有很多额外收费, a lot of extras。Jane具体该怎么做？我们下次继续听。http://t1.g.hjfile.cn/listen/201204/201204220828551526362.mp3Well, I know this doesn't fall under your responsibilities, but I really need some advice. Do you mind
But there's a mortgage and car payments as well
That's a popular problem these days. Can I ask how much you owe
you might keep one for emergencies, but the point is: stop using the cards
When you buy something with a credit card, you think you are paying what the price tag says. But really there are a lot of extras简：（敲门····）你好，文森特···有时间？
文森特：有，简···进来吧。坐，你有什么事吗？
简:嗯，我知道这不是你的义务，但我真的很需要一些建议，你介意？
文：不，说吧。
简：好的····那我说了：我欠了很多债，我需要一些建议来让我摆脱现在的困境。
文：我看看。这主要是信用卡的债吗？
简：是的。但车也用来抵押还债了。
文：你知道？我现在找王安娜来加入我们的讨论。她是我们公司的财务专家。
（打电话）安娜？打扰一下，你介意上来我们吗？谢谢。
简：噢。我不想变得负债累累。
文：不···这真的没什么，有百万的人都是负债的这还能让你努力、积极
地工作。噢，你好安娜。这是简。
安娜：你好文森特。你好简。
文：简想要一些建议来摆脱信用卡的债务。
安娜：这是现今很普遍的问题。我能问一下你欠多少吗？
简：嗯···这有点尴尬···但好吧···2万5美元。
安娜：简，我直话直说：如果我是你，今天我就把信用卡都剪碎。
简：全部吗？
安娜：好吧，你得留下一张来以防万一，但关键是：不能再刷卡了。
文：我从来不关注合同细则的，但有一天我注意到了我那银行的细则和我发现了我得交14%的利息。
安娜：是的，你真的需要去看合同细则。从简的情况来看，我就建议按实际地取消信用卡。
简：不能让银行降低利率吗 ？
文：当然，但你也想在你用信用卡消费的时候停止新的花费，你认为付的的是商品标价，可实际上还有很多额外的收费。
——译文来自: zhangpeizhu
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