Problem
美音、自然拼读、分级阅读与词汇复习
Tanya and Thad Fredrickson are twins.
Tanya和Thad Fredrickson是双胞胎.
Most people think they look alike, but that’s where the similarity ends.
大多数人认为他们长相相似,
While Tanya is outgoing and has lots of friends, Thad is shy and has only a couple of good friends.
当塔尼娅离开 有很多朋友 泰德很害羞,只有几个好朋友
Thad is a good student who works hard to get high grades.
Thad是个好学生,努力争取高分.
Tanya, on the other hand, is an average student who does just enough to get by.
另一方面,塔尼娅是一个普通的学生,只够过日子。
Like most kids, Tanya likes to buy things.
像大多数孩子一样,Tanya喜欢买东西.
Thad does, too, but not nearly as much as his sister does.
赛德也一样,但比不上他姐姐
Both Tanya and Thad earn money each week by doing jobs around the house as well as for a couple of neighbors.
Tanya和Thad每周都会在房子周围工作赚钱,
At home, Thad washes windows, cleans up the table after dinner, sweeps the floor, and vacuums the carpets each week.
在家里,特德洗出窗户来,晚饭后把桌子打扫干净,扫地取地,每周清扫地毯.
Tanya washes dishes, mows the lawn, and takes out the trash.
坦雅洗盘子,割草地取出垃圾.
Thad also mows the lawn for two neighbors each week, while Tanya walks a neighbor’s dog every morning and evening.
泰德每周也会为两个邻居修剪草坪,
Their incomes are good; each of them earns an average of about $35 a week.
她们的收入很好;每个妇女平均每周收入约35美元。
Thad and Tanya like doing the work because they both love money!
Thad和Tanya喜欢做这个工作 因为他们都爱钱!
The money they earn pays for going to movies and buying things like snacks, books, magazines, and clothes.
买零食、书籍、杂志和衣服。
Thad spends money on video games, and Tanya buys music and clothes every week.
泰德花钱搞电子游戏,而坦雅每周会购买音乐和服装.
The cash that Thad earns seems to be more than enough to take care of his needs.
Thad赚来的现金似乎足以满足他的需要。
He also seems to need a lot less stuff than Tanya does.
他似乎也比Tanya需要的东西少很多.
Thad usually deposits about half the money he earns each week into a savings account.
Thad通常每周把一半的钱存入储蓄账户。
When Thad saves enough money, he uses some of it to buy shares of stock.
何时 Thad省了足够多的钱 他用一部分来买股票
Owning a share of stock is like owning a piece of a company.
拥有股权就像拥有公司的一部分
So far, Thad owns 25 shares of stock in Disney and 28 shares of stock in Nintendo.
到目前为止, Thad拥有迪士尼25股股票和任天堂28股股票.
Since Thad loves going to Disney movies, watching Disney Channel, and playing electronic games, as do most of his friends, he thought Disney and Nintendo would be good investments.
自从 Thad喜欢去迪士尼电影,看迪士尼频道,玩电子游戏,和他的大部分朋友一样,他认为迪士尼和任天堂将是好投资.
After doing some Internet research on stocks and talking to his parents, he concluded that these companies were good choices.
在对股票进行一些互联网研究并和他的父母交谈后,他得出结论,这些公司是很好的选择.
Thad likes to buy stock because his money grows as each share of stock increases in value.
Thad喜欢买股票,因为他的钱随着股票的每股价值的增加而增长.
Over time, he expects to see the value of each share go up 20 percent or 30 percent.
随着时间的推移,他期望看到每一股的价值会上升20%或30%。
When Disney and Nintendo earn more money than they spend, the companies sometimes pay dividends to the people who own their stocks.
当迪士尼和任天堂赚的钱比他们花的钱多时,公司有时会给拥有自己股票的人发放股利.
Thad has earned yearly dividends for each share of stock he owns.
Thad每年为他拥有的每一股股票获得红利。
He always reinvests his dividends into each company’s stock and uses the money to buy more shares.
他总是将股息再投资到每个公司的股票中,并用这笔钱来购买更多的股票.
If you asked Thad, he would tell you that he plans to be a millionaire by the time he is 25.
如果你问Thad 他会告诉你 他25岁时计划成为百万富翁
Now Tanya is another story.
现在塔尼娅是另一个故事。
Where Thad is a saver, Tanya is a spender.
塔德是个储蓄者 塔尼娅是个花花公子
Money burns a hole in her pocket.
钱在她口袋里烧了个洞
She spends almost all her money each week and never saves a nickel.
她每周几乎花光了所有的钱,从不省钱.
Tanya’s spending problem is made worse by the fact that she really wants her own smartphone.
Tanya确实想要自己的智能手机,
She thinks she earns enough money to pay a monthly phone bill for calls and texting.
她认为她挣来的钱足够支付每月的电话费,用于电话和发短信.
She knows she might have to cut back her spending on clothes and music.
她知道她可能不得不削减 在衣服和音乐上的开支。
She may even have to earn more money by walking dogs for other neighbors, but she thinks she can afford it.
她甚至可能不得不通过为其他邻居走狗来挣取更多的钱,但她认为自己能负担得起.
However, Tanya can’t seem to save the $200 it takes to buy the phone.
但Tanya似乎无法省下买手机所需的200美元。
Since Tanya is impatient, she can never wait until she has enough money to buy something that costs more than the $35 she earns each week.
自从 塔尼娅不耐烦,她永远不能等到她有足够的钱买到比她每周赚的35美元还要多的东西.
She has to think of another way to get the $200 to buy a smartphone.
她必须想出另一种方法 得到200美元购买智能手机。
One day, it suddenly occurs to her that Thad seems to always have extra money.
有一天,她突然想到Thad似乎总是有额外的钱
She decides to ask him to loan her the $200.
她决定请他借她200美元
She takes the afternoon to work up the nerve to ask Thad for a loan.
她用下午的时间 鼓起勇气向Thad贷款
“Thad, my dear, sweet, precious brother, I have a favor to ask you,” she says with her sweetest voice and most admiring look.
“亲爱的亲爱的宝贝兄弟,我有件事要问你,”她用她最甜美的声音和最令人钦佩的表情说。
While Thad is fond of his sister, like most brothers he kind of likes messing with Tanya’s head.
虽然 Thad喜欢他的妹妹,
Without even asking what she wants, Thad replies with a quick and forceful, “Don’t waste your breath.
甚至没有问她想要什么 赛德以迅速而有力的回答,“不要浪费你的气息。
I’m not in the mood to do any favors for you.”
我没有心情帮你们任何忙。 “
“But you haven’t even asked what the favor is,” she protests.
她抗议说,
“You aren’t being fair, and you certainly aren’t being very nice.”
“你不公平, “
“Aw, chill out, I’m just giving you a hard time.
“哦,冷静点,我只是给你一个难关。
So go ahead and tell me.
说吧
What’s this favor you want?”
你想帮什么忙? “
“You know how much I want my own cell phone, right?
“你知道我有多想要自己的手机吧?
Well, I can’t wait until I save the $200 to buy the smartphone I want.
我等不及存下200美元来买我想要的智能手机。
You always seem to have plenty of money, so I thought maybe you could loan me the $200.
你总是有很多钱 所以我想也许你可以借我200美元
I’ll pay you back—I promise.”
我会还给你的 我保证 “
“Hold on just a minute, sis.
“等一下,姐姐。
Loans don’t come for free.
贷款不是免费的。
You may think you could just pay me back the $200 by giving me a few dollars each week, but that won’t work.
你可能认为只要每周给我几块钱就能还我200美元,
You’ll also have to pay me interest.”
你也要付我利息。 “
“Interest—what’s that?”
" 兴趣 - 那是什么? “
asks Tanya.
问谭也.
“Interest is what banks charge people who borrow money to buy something big, like a house or a car.
“有趣的是,银行向那些借钱购买大东西的人收取什么费用,比如房屋或汽车。
Each month, people who take out a bank loan have to pay back some of the money they borrowed.
每月,拿出银行贷款的人必须还清所借出的一些钱.
When they make a payment on the loan, the bank adds interest to the payment.
当他们支付贷款时,银行会增加利息。
This is a way for a bank, as a business, to make money.
这是银行作为企业赚钱的方法.
People who take out a loan end up paying the bank more than the amount they borrowed.”
借出贷款的人最终会比他们借的金额多给银行. “
“Ouch,” says Tanya.
“Ouch,”Tanya说。
“That could hurt.
“这可能会造成伤害。
So how much interest would you charge me for a $200 loan?”
那你要付我多少利息? “
“Because you’re my sister, here’s what I’m willing to do for you.
「因为你是我妹妹,
I’ll loan you the $200 you need to buy the phone you want, but first I’ll set up a payment plan.
我会借给你200美元买你想要的电话,
My plan, which you’ll need to agree to and sign, will give you twenty weeks to pay me back.
我的计划需要你同意并签署,
Each week’s loan payment will be $11.
每星期的贷款付款为11美元。
After twenty weeks, you will have paid me $220.
20周后,你就会付我220美元
The $20 extra is the interest you’ll have to pay me to get the phone you want right away.
20美元是你们要给我的利息,
Of course, you could, on your own, just save $10 a week.
当然,你可以,你自己, 只是节省10美元每周。
In twenty weeks, you’d have enough to buy the phone without a loan.”
20周内,你就能买到没有贷款的手机。 “
Get phone Phone paid for!
打电话 电话付了!
“You know I can’t wait twenty weeks for a phone!
“你知道我不能等20个星期才能接通电话!
Darlene and Emma just got phones, and if I don’t get one, I won’t be able to text and call my best friends,” shouts Tanya.
达琳(Darlene)和艾玛(Emma)刚接到电话,
“Well, then, my impatient, money-grubbing sis, what’s it going to be?
“那么,我那不耐烦、贪钱的妹妹,
Do you want the $200 loan with my interest terms or not?”
你到底想不想借我两百块的利息? “
Tanya reluctantly agrees to Thad’s terms and payment plan.
Tanya勉强同意Thad的条件和付款计划。
Several weeks go by.
几个星期过去了。
Each week, Tanya struggles to pay Thad the $11 she owes him.
每个星期,田也都要付出代价 她欠他的11块
Then on the tenth week, something horrible happens.
在第十个星期 发生了可怕的事
On the day her payment is due, she has spent most of the $35 she earned that week and doesn’t have $11 to pay Thad.
在她应付款的当天, 她花掉了当周赚来的大部分35美元,
Her monthly phone bill is beginning to put too much stress on her budget.
她的每月电话账单 开始对她的预算造成太大的压力。
She only has $8 left to pay Thad.
她只剩8块钱给Thad
When she tells Thad she can’t pay him the full $11, he isn’t very happy.
当她告诉 他并不高兴。
“I knew loaning money to you, especially with your wild spending habits, would be a risk.
“我知道借钱给你,特别是用你的野生消费习惯,将是一种风险。
I should have charged you more interest because you’re such a high risk.
我该向您收取更多利息,
Just give me the $8 you have, but next week you’ll owe me $15.”
但下星期你欠我15美元。 “
“Fifteen dollars!”
十五块!
she cries.
她会哭
“If I give you the $3 I didn’t have this week plus the $11 for next week, it adds up to only $14.”
加上下周的11美元, “
“The $1 extra is the late fee you owe me for not making a full payment this week,” explains Thad.
“额外增加的一美元是你们本周没有全额付款而欠我的迟付费”,
“That’s how business works.”
“企业就是这样运作的。 “
As each week goes by, Tanya falls further and further behind in her payments, and her debt gets bigger and bigger.
随着每周一到来,塔尼娅的付款越来越落后,她的债务也越来越大.
By the fifteenth week, she is giving Thad over half her weekly earnings and is at risk of not paying her cell phone’s monthly bill.
到第十五周,她将每周收入的一半以上交给Thad,并有可能不支付她的手机月费。
Finally, in desperation, she goes to their father and explains her problem.
最后,在绝望中,她去找他们的父亲解释她的问题。
“Dad, we need to talk,” Tanya says with panic in her voice.
“爸爸,我们需要谈谈,”Tanya在她的声音中惊慌地说:
“You know that Thad loaned me money to buy a smartphone, right?”
“你知道Thad借钱给我买个智能手机吧? “
“Yes, dear, I’m aware of the financial arrangement you have with your brother.”
“是的,亲爱的,我知道你与你兄弟之间的财务安排。 “
“Well, at the rate I’m going, I’ll owe him money for the rest of my life.
我将欠他一辈子的钱。
He’s even threatening to confiscate my phone.
他甚至威胁要没收我的手机。
Can you tell him to give me a break?
你能让他放过我吗?
He won’t listen to me.
他不会听我的。
He’s acting like a money-stashing squirrel!”
他表现得像只高利贷的松鼠。
“Now, wait a minute, my dear,” says her father.
“亲爱的,等一下,”她父亲说。
“You couldn’t wait to get a phone, and so your brother helped you out.
你迫不及待想接电话,
You agreed to his terms, which seem pretty reasonable to me.
你同意他的条件了 这对我来说很合理
You did get your phone, didn’t you?”
你确实得到了你的手机,不是吗? “
“Well, yeah, but he’s charging me more than we agreed to.
“嗯,是的,但是他的指控我比我们同意的还要多。
He’s breaking our deal.”
他打破了我们的约定。 “
“Hold on, Miss Big Spender.
“等等,大施宾德小姐。
It seems to me as though you’re the one who’s breaking the deal by not keeping up with the payments you agreed to make each week,” her dad says.
她的爸爸说, 这似乎是你违反协议的原因。
“As I see it, you have two choices: you either have to make more money or spend less each week.”
“在我看来,你有两个选择:要么必须多赚钱,要么每周少花钱。 “
“Actually, there is a third choice.
“实际上,有第三种选择。
You could take out another loan to help pay for the first loan, but I wouldn’t advise doing that.
你可以再借出一笔贷款来支付第一笔贷款,
You’d just dig a deeper hole that you’d have to climb out of.
你只要挖个更深的洞,
Oh yeah, and I guess there’s a fourth choice, too: you could sell your phone and repay the loan.
对,我猜还有第四个选择:你可以卖掉你的手机,偿还贷款。
Although, remember that it’s now a used phone and wouldn’t be worth the full $200 you paid for it.”
不过, 请记住, 它现在是一个用过的电话, “
“Sell my phone—are you crazy?”
" 卖我手机 - 你疯了吗? “
“Well, if you don’t like that choice, which other one do you prefer?”
“如果你不喜欢这个选择, “
“Thanks a lot, Dad,” says Tanya, disgusted.
塔尼娅(Tanya)说,
“You’re no help at all.”
" 你一点帮助都没有。 “
Tanya stomps off to her room and mopes for a while.
塔尼娅往她的房间踩了一下 拖了一会儿
She begins thinking about the choices her dad explained to her.
她开始思考她爸爸向她解释的选择
She doesn’t like any of them, but most of all she doesn’t like the idea of giving up her phone.
她不喜欢其中任何一个,
She thinks about whether she has other choices.
她考虑她是否有其他选择。
As time passes, a feeling of panic begins to overcome Tanya.
随着时间的流逝,一种恐慌的感觉开始克服了坦雅.
She knows she has to make a decision, but her mind is numb from so much thinking and worrying.
她知道她必须做一个决定,但她的头脑 麻木了这么多的想法和担心。
What is she going to do?
她会怎么做?
Write Your Own Ending You’re probably thinking Tanya has gotten herself into a real pickle.
写您的结束 你可能认为Tanya已经让自己陷入了真正的困境。
Well, you’re right.
你说得对
What happened to Tanya is what often happens when people spend more money than they earn.
塔尼娅经常遇到的情况是,人们花的钱比挣的钱多。
If they continue spending more than they earn, they fall further and further into debt.
如果它们继续花费多于收入,它们就会进一步陷入债务。
Sometimes things get a whole lot worse, and no matter how hard they try, they can’t pay off their debt.
有时事情会变得更糟,
Maybe you can help Tanya out.
也许你可以帮塔尼娅
Think about what you would do if you were Tanya.
想想如果你是Tanya你会怎么做
Then write your own ending to this story.
然后写你自己的结局 这个故事。
When you have finished, share your ending with others and compare solutions.
完成后, 与其他人分享您的结尾并比较解决方案 。