Marilyn
Ellen, I'd like your opinion
我想听听你的意见。
Episode 11
A Place of Our Own
Act 1
Ellen
About what?
关于什么？
Marilyn
Well, Richard and I feel that with a baby coming we need to have our own place to live.
嗯，Richard 和我觉得孩子快要出生了 我们应该有自己的房子。
Ellen
Oh.
Marilyn
Well, what do you think about Richard and me looking for a small house or an apartmnt at this point in our lives?
噢。 那么，你觉得我和 Richard 找一个小住宅或公寓 在这个时候怎么样？
Ellen
We love having you here, and there is room, and...and when the baby comes, the baby can stay in your room for a while.
我们喜欢你们住这儿， 并且这儿有地方， 而且……而且婴儿出生以后， 可以住在你们房间一段时间。
Marilyn
Richard feels we need to find a small house.
觉得我们应该要找一个小住宅。
Ellen
I remember when I was pregnant with Richard. Philip and I were living with Grandma and Grandpa. Philip was a young doctor, and he kept talking about having a house of our own. It's natural.
我记得当我怀着 Richard 时。 与我和爷爷奶奶住在一起。 当时是个年轻的大夫， 他老说要有自己的家。 这是很自然的。
Marilyn
What did you do ?
那你们怎么办呢？
Ellen
We looked at a lot of houses.
我们看了好多房子。
Marilyn
Did you find one?
找到合适的吗？
Ellen
Oh, not at first. We couldn't afford it. Grandpa wanted to led us the money to buy one, but Philip is too independent. He didn't want to borrow any money.
噢，没有马上找到。 我们当时钱不够。 爷爷要借给我们钱去买房， 但是 Philip 的独立性太强了。 他不想借钱。
Marilyn
Sounds like Richard.
听起来跟 Richard一样。
Ellen
They're all alike. Richard is a real Stewart. He's independent, and sometimes just stubbom.
他们都是一个样子。 是个典型的 Stewart家后代。 他的独立性强， 有时候甚至近乎顽固。
Marilyn
When did you buy a house?
那你们在什么时候买房子？
Ellen
After Richard was born. I was teaching music, and Philip was opening his first medical office.
等生下 Richard之后。 我当时教音乐， 而 Philip 则第一次开诊所。
Marilyn
Where was the house?
房子在什么地方？
Ellen
Right here in Riverdate. Of course, it was a small house, but just right for us.
就在这 Riverdale。 当然，那是一栋小房子。 但正好够我们住。
Marilyn
It's funny. History repeats itself. Now Richard and I are having a baby, and we probably won't be able to afford a house right away, either.
真有意思。历史在重演。 现在 Richard和我有了孩子， 而我们也许也一样不能 马上负担得起一栋房子。
Ellen
Why don't you look at some houses, Marilyn?
何不去看一看房子呢，Marily？
Marilyn
Good idea.
好主意。
Ellen
Look in the real-estate section of Sunday's Times. You'll learn a lot.
查一查星期天纽约时报的房地产版面。 会增长不少见识。
Marilyn
Maybe we should speak to a real-estate agent about a house.
也许我们应该 和房地产中介商谈谈关于房子的事。
Ellen
And a bank about a mortgage.
还要和银行谈谈。
Marilyn
I'll talk to Richard about it. I think it's a good idea, Ellen. We can learn a lot by asking.
我会与 Richard 商量这些。 我觉得这是个好主意，Ellen。 我们到处问问会学到不少东西。
Ellen
And if I can be of any help, let me know. As a matter of fact, my friend Virginia Martinelli is a real-estate agent.
如果我能有所帮忙的， 告诉我。 事实上， 我的朋友 Virginia Martinelli就是个房地产中介。
Marilyn
Good.
好极了。
Ellen
You won't believe this, but she sold us our first house and this one.
你简直不会相信， 我们的第一栋房子和这一栋都是她卖的。
Marilyn
Well, I'll tell Richard, and we'll go to see her. Do you think the skirt length is right, Ellen? Do you think it's too long?
嗯，我会告诉 Richard， 我们会去找她。 你觉得这裙子长度合适吗，Ellen? 你会不会觉得太长点？
Ellen
I think the skirt is just right. Are you planning to attach a train to it?
我觉得长度合适。 你是不是准备加拖地裙摆？
Marilyn
No. No train. Just the dress. But I am going to make a headpiece of lace.
不，不加裙摆。就是这样连身套装。 但我准备做一个蕾丝头饰。
Ellen
That dress is gorgeous.
这套服装真华丽。
Marilyn
Thanks, Ellen. And thanks for the advice about the house. I'll talk to Richard about it the minute the comes home.
谢谢，Ellen。 也谢谢你关于房子的建议。 我就跟 Richard 商量 他一回来。
Ellen
And remember, we love having you here. There's no need to rush.
记住， 我们喜欢你们住这儿。 没有必要急急忙忙分开。
Act 2
Virginia
I remember yuor parents' first house very well. It was on Spring Avenue, near the park.
我还清楚记得你父母的第一栋房子。 那房子是在 Spring Avenue 公园附近。
Richard
I grew up in that house.
我就在那栋房子里长大的。
Virginia
Yes, and you were such a cute baby.
对，你当时是个很逗人喜爱的婴儿。
Marilyn
I've seen pictures of him. He had blond hair.
我见过他的照片。 他原来是金色头发。
Virginia
I've been friendly with the Stewart family for a long time, so It's my pleasure to help you find a house now.
我和 Stewart 家处得很好 很久了， 所以现在我很乐意 帮助你们找房子。
Richard
Well, we're not sure we can afford one.
嗯，我们还不知道我们是不是负担得起。
Marilyn
But we'd like to find ut about the possibilities.
但我们想知道 有多大的可能性。
Virginia
That's a good idea. I love your house on Linden Street. I sold your father that house seventeen years ago.
这是个好主意。 我喜欢你们家在 Linden 街的房子。 十七年前是我把那栋房子卖给你父亲的。
Marilyn
Really?
真的？
Richard
Yes, Mom was pregnant with Robbie then, and they needed the extra room.
是的，那时妈妈怀着 Robbie, 他们需要多一些空间.
Virginia
I hear you're expecting a baby, Mrs.Stewart.
我听说你们快有小孩了,Stewart 太太.
Marilyn
Mmm-hmm. So we will be needing more room.
嗯。 所以我们也将需要更大的空间.
Virginia
Oh, so you don't need something immediately?
呵,所以你们不是急着马上就要买房子。
Richard
No. But in five or six months...
不急。但是在五六个月后……
Marilyn
And time passes so quickly.
可是时间过得很快。
Virginia
Yes, it does. Well, when you called, you gave me enough information about your salaries and your savings. So I have a good idea about your financial situation. Let me show your some pictures of houses.
是的，确实如此。 嗯，你们打电话来， 已经给了我充分的的资料 关于薪资和储蓄。 所以我对你们的的财务状况很了解。 我来给你们看看一些房子的照片。
Marilyn
With two bedrooms?
有两间卧室吗？
Virginia
Yes, I think I can show you some. Of course, they won't be in Riverdale. The cost of housing's too high for you here.
是的，我想我有一些房子给你们看。 当然这些房子不在 Riverdale。 这儿的房子对你们来说太贵了
Richard
I haven't thought about living anywhere else. We've always lived in this area.
我还没有考虑要住到别的地方去。 我们一直住在这个地区。
Marilyn
Where should we look for a house, Mrs.Martinelli?
我们应该到什么地方找房子，Martinelli 太太？
Virginia
Well, we have an office in Mount Kisco. It's a lovely area, and it's only about an hour's rive from here. Here. I have a book with photos of some homes in that area. Now, let's see. Here. This is a lovely two-bedroom house in your price range.
好，我们在Mount Kisco有个办事处。 那是个可爱的地方， 而且从此地到那儿只有大约一小时的车程。 这儿。 我有一本那个地区房子的照片。 来，我们看看。这儿。 这一栋可爱的房子有两间卧室，在你们价格范围内。
Marilyn
It's pretty, but I prefer a two-story home.
是漂亮。 但我喜欢两层楼的的房子。
Richard
I do, too. I don't care for a ranch type.
我也一样。 我不爱平房。
Virginia
OK. Oh, this is a wonderful house. I know it well. I sold it to the present owners.
好的。 啊，这是一栋很好的房子。 我非常清楚。 是我把它卖给了现在的主人。
Richard
It looks wonderful.
看起来很好看。
Virginia
This is a two-bedroom, two-bath house. It has a full basement, and it is on a half- acre lot. You can probably afford this one.
这是一栋有两间卧室、两间盥洗室的房子。 它有一个全面地下室， 用地半英亩。 你可能负担得起这栋房子。
Marilyn
I like this house.
我喜欢这栋房子。
Richard
So do I.
我也喜欢。
Virginia
And the price is right. Would you like to go see it?
而且价格也合适。 你们要去看看吗？
Richard
Yes. We're planning to talk to someone at the bank next week. Perhaps we could see the house this weekend.
是的。我们计划 下星期与银行的人谈一谈。 也许这周末我们会去看看这栋房子。
Virginia
If some one doesn't buy it before then. But let's keep looking. Just to get an idea of some other possibilities.
如果在此之前没有人买走的话， 让我们继续看下去。 瞧瞧其他可能的选择。
Richard
This is very helpful, Mrs. Martinelli.
这样很有用，Martinelli 太太。
Virginia
Here. This is a wonderful example of Spanish-style architecture.
这个。 这是栋很棒的典型西班牙式建筑。
Richard
Oh, I love the roof tiles on a Spanish-style house.
噢， 我喜欢西班牙式房屋的屋顶瓦。
Marilyn
It looks like the houses in Hollywood.
看起来好像是好莱坞的房子。
Virginia
It's interesting. A house like this in Riverdale costs double the price. Oh my! Here's a real buy. It's a bargain. This house just came on the market.
很有趣。 在 Riverdale像这样的房子价格要贵一倍。 啊！ 这个价格便宜。真是大廉售。 这栋房子刚刚推出要卖。
Marilyn
It's quite lovely. Is it a two-bedroom house?
相当好看。 是两个卧室的吗？
Virginia
No. It has three bedrooms and three baths. I know the house. It has a brand new kitchen. And a living room with a twelve-foot ceiling. And there's a two-car garage.
不。这栋房子有三间卧室、三间盥洗室. 我熟悉这房子。 有一个全新的厨房。 有一间十二英尺高的的客厅。 还有一个可放两辆车的车库。
Richard
Then why don't we go look at this house, too?
那我们何不也去看看这栋房？
Virginia
It's a good investment.
这是一项好投资。
Richard
Thank you, Mrs. Martinelli.
谢谢，Martinelli 太太。
Marilyn
Thanks so much.
非常感谢。
Virginia
My pleasure. Give my best to your parents.
不客气。 替我向你父母问好。
Virginia
Your father's a wonderful doctor, Richard. He took care of my daughter when she was a child. He's the best pediatrician in Westchester.
你父亲是个了不起的医生，Richard。 我女儿曾受他照顾 在她小时候。 他是全 Westchester最好的小儿科医师。
Richard
Thanks, Mrs. Martinelli, I'll give them your regards.
谢谢，Martinelli 太太。 我会向他们转达你的问候。
Marilyn
We really appreciate your advice.
我们非常感谢你的建议。
Virginia
I do think you should go see the houses and talk to the bank. Here. Let me give you some information sheets abo the houses. They're both very good buys.
我确实感到你们应该去看看这些房 且和银行谈一谈。 这儿。我给你们一些关于这些房子的简介。 这两栋都是性价比比较高的。
Richard
Well, thanks so much for your help and your time, Mrs. Martinelli. We've got a lot to talk about.
好的，感谢你的帮助和花了你的时间， 太太。 我们有很多可商量的了。
Marilyn
Mmm-hmm. Thanks.
嗯。谢谢。
Act 3
Mr.Riley
How do you do?
你好。
Richard
Hello.
哈。
Mr.Riley
I'm Ralph Riley.
我叫 Ralph Riley。
Richard
I'm Richard Stewart, and this is my wife, Marilyn.
我叫 Richard Stewart，这是我妻子 Marilyn。
Mr.Riley
Pleased to meet you.
很高兴与你见面。
Marilyn
Likewise, Mr.Riley. MR.Riley： Please, sit down. What can I do for you?
我们也一样 Riley先生。请坐下。我能为你们做什么？
Richard
We'd like to discuss a mortgage.
我们想请教一下关于贷款的事。
Marilyn
For a house.
为了房子。
Mr.Riley
Fine. Are you buying a house or are you reinancing your present home?
好的。你们是要买房子？ 还是原有的房子重新申请贷款？
Richard
We're planning to buy a house.
我们计划买一栋房子。
Marilyn
And we'd like to find out about a mortgage.
我们想知道如何贷款。
Richard
We are customers of the bank. As a matter of fact, my whole Family banks here.
我们是贵行的顾客。 事实上，我们全家都是贵行的顾客。
Mr.Riley
I have some questions to ask. Do you own your house or do you rent?
我有一些问题要问。 你们自己有房子还是租房？
Richard
Neither. We live with my parents, Dr. and Mrs. Philip Stewart.
都不是。 我们和父母住在一起，我父母是 Philip Stewart 夫妇。
Mr.Riley
And how old are you?
你多大了？
Marilyn
I'm twenty-nine.
我二十九岁。
Richard
I'm thirty. Mr.RIley： And, Mr. Stewat, what is your occupation?
我三十岁。那么，Stewart，请问你的职业是什么？
Richard
I'm a freelance photographer.
我是自由摄影师。
Mr.Riley
And, Mrs. Stewart, are you working?
嗯，Stewart 太太，你有工作吗？
Marilyn
Yes. I'm a designer, and I work in a boutique.
是的，我是位设计师，我在一家服装店工作。
Mr.Riley
Did you bring any savings or salary information? Last year's tax forms?
你是否带来储蓄和薪资的相关资料？ 譬如去年的税务申报表？
Richard
Yes. Here they are.
带来了，在这儿。
Mr. Riley
OK. What...what kind of house did you have in mind?
好的，你们打算买什么样的房子？
Richard
We're talking about buying a two-bedroom house in Mount Kisco. Here are the financial details on the house.
我们在商量购买 一栋有两间卧室的的房子，在 Mount Kisco。 这是这房子的财务细节。
Mr.Riley
Thank you. Are you prepared to make a ten-percent down payment?
谢谢你。 你打算缴纳10%做头期款吗？
Richard
Yes, we are.
是的，我们准备如此办。
Mr.Riley
Payments over thirty years?
三十年分期付款吗？
Richard
Yes.
是的。
Marilyn
Do you think we can get a loan?
你觉得我们能得到贷款吗？
Mr.Riley
Well, it depends. Do you own any other property? Any stocks or bonds?
嗯，这还要看情况。你们拥有其他什么财产吗？ 有股票或债券吗？
Richard
No.
Mr.Riley
I see. Then you don't have any collateral. Perhaps you could get a guarantor- someone to sign for the loan for you.
没有。 我明白了。那么你们没有任何担保物。 也许你可以找一位担保人--- 找个人为你们的贷款签个名。
Richard
Why is that necessary?
为什么有此必要？
Mr.Riley
Since you don't have enough income, and you don't already own any property, the bank needs to be sure you can pay the mortgage every month. A guarantor is responsible for the loan if you can't make the payments.
由于你们的收入不够， 而你们又没拥有其他财产。 银行需要确定 你们能每月按时付款。 担保人要对贷款负责 如果你们不能还钱。
Richard
I see. Well, the idea of buying a house is exciting.
我明白了。嗯 ，买房子的念头叫人兴奋过头。
Marilyn
Thank you, Mr.Riley. We'll read this over carefully.
谢谢你，Riley先生。我们会仔细阅读这些文件的。
Mr.Riley
Thank you.
谢谢你们。
Richard
Good-bye. Thanks.
再见。谢谢。
Mr.Riley
Godd-bye. And hope to see you soon.
再见。希望很快再见到你们。
Richard
I hope so, too.
我也希望如此。
Mr.Riley
Take care.
慢走。
Marilyn
Good-bye.
再见。
Richard
It all sounded so easy until they mentioned needing collateral or a guarantor.
一切听起来那么容易 在他们提到担保物或担保人之前。
Marilyn
We have no collateral.
我们没有担保物。
Richard
And I don't think it's a good idea to ask Dad to sign as a guarantor. I don't feel right about it.
而且我觉得这不是个好主意。 请爸爸当担保人为我签字。 我觉得这样不对。
Marilyn
I understand your feelings about it, Richard.
我了解你对这种事的心情，Richard。
Ellen
Now, tell me, what's the problem?
现在，告诉我，你有什么问题？
Marilyn
We can get a loan from the bank if we can put up some collateral.
我们能够从银行得到贷款 如果我们能提供担保物的话。
Richard
And we don't own anything to use as collateral.
可是我们没有任何可以做担保物的东西。
Marilyn
Or someone can sign with us as a guarantor.
或者有人能当担保人帮我们签字。
Ellen
Why don't you speak to Dad?
你们为什么不跟爸爸说说？
Richard
No. If we buy a house, I want to be able to handle it alone.
不，如果我们买房子，我希望能够自行负责。
Ellen
Everybody needs help sometimes, Richard.
每个人都有需要帮助的时候，Richard。
Marilyn
I understand Richard's feelings about it, Ellen.
我了解Richard 的感受，Ellen。
Richard
In two or three months, I'll have an advance on my book and be able to put more money down.
两到三个月后，我能得到我那本书的预付款 也就可以增加头期款的数目。
Marilyn
What about the house in Mount Kisco? Somebody else'll buy it by then.
在 Mount Kisco 的方子呢？ 别人也许买走了。
Richard
Then there'll be other houses, Marilyn.
还会有别的房子，Marilyn。
Ellen
Richard has a point. You're just beginning to look.
说得对。你们只是开始看房子而已。
Marilyn
We're in no great rush. It's true.
我们不很急，这是真的。
Richard
This has been a great learning experience for us, Marilyn. Talking to the real-estate agent. Looking at the houses. Talking to the loan officer at the bank.
这对我们来讲是一次很好的学习经验，Marilyn。 与房地产中介商谈。看房子。 与银行的贷款负责人谈。
Marilyn
It has been a learning experience. That's true.
这真是一次学习经验，真的。
Ellen
I think you're doing the right thing. Taking your time. Looking around. Especially with a purchase of this kind. You're talking about a lot of money.
我觉得你们做得对。慢慢来。 到处看看，特别是这一类买卖。 你们谈的可是一大笔钱。
Marilyn
We'll call Mrs. Martinelli and tell her to keep looking for us.
我们会打电话给 Martinelli 太太告诉她继续帮我们物色房子。
Richard
And I'll call Mr.Riley at the bank and tell him we'll see him in a couple of months.
我打电话到银行给 Riley先生 告诉他过几个月我们再去找他。
Ellen
And if you ever need Dad or me to help you...
如果你们的确需要我和爸爸的帮助的话 …
Marilyn
We know.
我们知道。
Ellen
You know we'll be there for you.
你们知道我们是会伸出援手的。
Richard
It's a Stewart tradition. We're a family.
这是 Stewart 家的传统。我们是一家人。