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Episode11

Ellen, I'd like your opinion.
Ellen������������������
About what?
����ʲô��
Well, Richard and I feel that with a baby coming
�ţ�Richard���Ҿ��ú��ӿ�Ҫ�����ˣ�
we need to have our own place to live.
����Ӧ�����Լ��ķ��ӡ�
Oh.
�ޡ�
Well, what do you think about Richard and me
��ô��������Һ�Richard
looking for a small house or an apartment
��һ��Сסլ��Ԣ
at this point in our lives?
�����ʱ����ô����
We love having you here,
����ϲ������ס���
and there is room,
�����еط���
and ... and when the baby comes,
���ҡ�������Ӥ�������Ժ�
the baby can stay in your room for a while.
����ס�����Ƿ���һ��ʱ�䡣
Richard feels we need to find a small house.
Richard����������Ҫһ��Сסլ��
I remember when I was pregnant with Richard.
�Ҽǵõ��һ���Richardʱ��
Philip and I were living with Grandma and Grandpa.
Philip���Һ�үү������ס��һ��
Philip was a young doctor,
Philip��ʱ�Ǹ�����Ĵ��
and he kept talking about having a house of our own.
����˵Ҫ���Լ��ļҡ�
It's natural.
���Ǻ���Ȼ�ġ�
What did you do?
��������ô���أ�
We looked at a lot of houses.
���ǿ��˺ö෿�ӡ�
Did you find one?
�ҵ����ʵ���
Oh, not at first.
�ޣ�û�������ҵ���
We couldn't afford it.
���ǵ�ʱ����Ǯ��
Grandpa wanted to lend us the money to buy one,
үүҪ�������Ǯȥ���ӣ�
but Philip is too independent.
����Philip�Ķ�����̫ǿ�ˡ�
He didn't want to borrow any money.
�������Ǯ��
Sounds like Richard.
��������Richardһ����
They're all alike.
���Ƕ���һ�����ӡ�
Richard is a real Stewart.
Richard�Ǹ����͵�Stewart�Һ����
He's independent,
���Ķ�����ǿ��
and sometimes just stubborn.
��ʱ������������̡�
When did you buy a house?
��������ʲôʱ�������أ�
After Richard was born.
������Richard֮��
I was teaching music,
�ҵ�ʱ�����֣�
and Philip was opening his first medical office.
��Philip���һ�ο�������
Where was the house?
������ʲô�ط���
Right here in Riverdale.
�������Riverdale��
Of course, it was a small house,
��Ȼ������һ��С���ӣ�
but just right for us.
�����ù�����ס��
It's funny. History repeats itself.
������˼����ʷ�����ݡ�
Now Richard and I are having a baby,
���ڣ�Richard�������˺��ӣ�
and we probably won't be able to
������Ҳ��Ҳһ������
afford a house right away, either.
���ϸ�������һ�����ӡ�
Why don't you look at some houses, Marilyn?
��β�ȥ��һ�������أ�Marilyn��
Good idea.
�����⡣
Look in the real-estate section of Sunday's Times.
��һ��������ġ�ŦԼʱ�������ز��棬
You'll learn a lot.
����������ټ�ʶ��
Maybe we should
Ҳ������Ӧ��
speak to a real-estate agent about a house.
�ͷ��ز��ٽ���̸һ̸���ڷ��ӵ��¡�
And a bank about a mortgage.
��Ҫ������̸̸���
I'll talk to Richard about it.
�һ���Richard����������
I think it's a good idea, Ellen.
�Ҿ������Ǹ������⣬Ellen��
We can learn a lot by asking.
���ǵ������ʻ�ѧ�����ٶ�����
And if I can be of any help,
�������������æ�Ļ���
let me know.
�����ҡ�
As a matter of fact,
��ʵ�ϣ�
my friend Virginia Martinelli is a real-estate agent.
�ҵ�����Virginia Martinelli���Ǹ����ز��ٽ顣
Good.
�ü��ˡ�
You won't believe this,
���ֱ�������ţ�
but she sold us our first house and this one.
���ǵĵ�һ�����Ӻ���һ�����������ġ�
Well, I'll tell Richard,
�ţ��һ����Richard��
and we'll go to see her.
���ǻ�ȥ������
Do you think the skirt length is right, Ellen?
�������ȹ�ӳ��Ⱥ�����
Do you think it's too long?
��᲻�����̫���ˣ�
I think the skirt is just right.
�Ҿ��ó��Ⱥ��ʡ�
Are you planning to attach a train to it?
��׼�����ϵ�ȹ����
No. No train. Just the dress.
��������ȹ�ڡ���������������װ��
But I am going to make a headpiece of lace.
����׼����һ����˿ͷ�Ρ�
That dress is gorgeous.
���׷�װ�滪����
Thanks, Ellen.
лл��Ellen��
And thanks for the advice about the house.
Ҳлл����ڷ��ӵĽ��顣
I'll talk to Richard about it
�Ҿ͸�Richard����
the minute he comes home.
��һ������
And remember,
��ס��
we love having you here.
����ϲ������ס���
There's no need to rush.
û�б�Ҫ����ææ��
I remember your parents' first house very well.
�һ�����ǵ��㸸ĸ�ĵ�һ�����ӡ�
It was on Spring Avenue, near the park.
�Ƿ�������Spring Avenue����԰������
I grew up in that house.
�Ҿ����Ƕ����ӳ���ġ�
Yes, and you were such a cute baby.
�ԣ��㵱ʱ�Ǹ��ܶ���ϲ����Ӥ����
I've seen pictures of him.
�Ҽ���������Ƭ��
He had blond hair.
��ԭ���ǽ�ɫͷ����
I've been friendly with the Stewart family
�Һ�Stewart���н���
for a long time,
�ܾ��ˣ�
so it's my pleasure
���������Һ�����
to help you find a house now.
���������ҷ��ӡ�
Well, we're not sure we can afford one.
�ţ����ǻ���֪���Dz��Ǹ�������
But we'd like to find out
��������֪��
about the possibilities.
�ж��Ŀ����ԡ�
That's a good idea.
���Ǹ������⡣
I love your house on Linden Street.
��ϲ�����Ǽ���Linden�ֵķ��ӡ�
I sold your father that house seventeen years ago.
ʮ����ǰ�Ұ��Ƕ����������㸸�׵ġ�
Really?
��ģ�
Yes, Mom was pregnant with Robbie then,
�ǵģ���ʱ���軳��Robbie��
and they needed the extra room.
������Ҫ��һЩ�ռ䡣
I hear you're expecting a baby, Mrs. Stewart.
����˵���ǿ���С���ˣ�Stewart̫̫��
Mmm-hmm.
�š�
So we will be needing more room.
��������Ҳ����Ҫ����Ŀռ䡣
Oh, so you don't need something immediately?
�ǣ��������Dz����Ǽ������Ͼ�Ҫ��
No. But in five or six months ...
�������������塢�����º󡭡�
And time passes so quickly.
����ʱ����úܿ졣
Yes, it does.
�ǵģ�ȷʵ��ˡ�
Well, when you called,
�ţ����Ǵ�绰��ʱ��
you gave me enough information
�Ѿ������ҳ�ֵ�����
about your salaries and your savings.
����н�ʺʹ��
So I have a good idea about your financial situation.
���ԣ��Ҷ����ǵIJ���״�����˽⡣
Let me show you some pictures of houses.
���������ǿ���һЩ���ӵ���Ƭ��
With two bedrooms?
������������
Yes, I think I can show you some.
�ǵģ����� һЩ���Ը����ǿ���
Of course, they won't be in Riverdale.
��Ȼ��Щ���Ӳ���Riverdale��
The cost of housing's too high for you here.
����ķ��Ӷ�������˵̫���ˡ�
I haven't thought about living anywhere else.
�һ�û�п���Ҫס����ĵط�ȥ��
We've always lived in this area.
����һֱס�����������
Where should we look for a house, Mrs. Martinelli?
����Ӧ�õ�ʲô�ط��ҷ��ӣ�Martinelli̫̫��
Well, we have an office in Mount Kisco.
�ã�������Mount Kisco�и����´���
It's a lovely area,
�����Ǹ��ɰ��ĵط���
and it's only about an hour's drive from here.
���ҴӴ˵ص�����ֻ�д�ԼһСʱ�ij��̡�
Here.
���
I have a book with photos of some homes in that area.
����һ���Ǹ��������ӵ���Ƭ��
Now, let's see. Here.
�������ǿ����������
This is a lovely two-bedroom house in your price range.
��һ���ɰ��������������ң������Ǽ۸�Χ�ڡ�
It's pretty,
��Ư����
but I prefer a two-story home.
����ϲ������¥�ķ��ӡ�
I do, too.
��Ҳһ����
I don't care for a ranch type.
����ƽ����
OK.
�õġ�
Oh, this is a wonderful house.
��������һ���ܺõķ��ӡ�
I know it well.
�ҷdz������
I sold it to the present owners.
���Ұ������������ڵ����ˡ�
It looks wonderful.
�������ܺÿ���
This is a two-bedroom, two-bath house.
����һ�����������ң�������ϴ�ҵķ��ӡ�
It has a full basement,
ȫ������ң�
and it is on a half-acre lot.
�õذ�ӢĶ��
You can probably afford this one.
����ܸ��������ⶰ���ӡ�
I like this house.
��ϲ���ⶰ���ӡ�
So do I.
��Ҳϲ����
And the price is right.
���Ҽ۸�Ҳ���ʡ�
Would you like to go see it?
����Ҫȥ������
Yes. We're planning
�ǵġ����Ǽƻ�
to talk to someone at the bank next week.
�����������е���̸һ̸��
Perhaps we could see the house this weekend.
Ҳ������ĩ���ǻ�ȥ�����ⶰ���ӡ�
If someone doesn't buy it before then,
����ڴ�֮ǰû�������ߵĻ���
But let's keep looking.
�����Ǽ�������ȥ��
Just to get an idea of some other possibilities.
�����������ܵ�ѡ��
This is very helpful, Mrs. Martinelli.
���������ã�Martinelli̫̫��
Here.
���
This is a wonderful example of Spanish-style architecture.
���Ƕ��ܰ��ĵ���������ʽ������
Oh,
�ޣ�
I love the roof tiles on a Spanish-style house.
��ϲ��������ʽ���ݵ��ݶ��ߡ�
It looks like the houses in Hollywood.
�����������Ǻ�����ķ��ӡ�
It's interesting.
����Ȥ��
A house like this in Riverdale costs double the price.
��Riverdale�������ķ��Ӽ۸�Ҫ��һ����
Oh my!
����
Here's a real buy.
����۸���ˡ�
It's a bargain.
���Ǵ����ۡ�
This house just came on the market.
�ⶰ���Ӹո��Ƴ�Ҫ����
It's quite lovely.
�൱�ÿ���
Is it a two-bedroom house?
���������ҵ���
No. It has three bedrooms and three baths.
�����ⶰ�������������ң�������ϴ�ҡ�
I know the house.
����Ϥ�ⷿ�ӣ�
It has a brand new kitchen.
��һ��ȫ�µij�����
And a living room with a twelve-foot ceiling.
��һ��ʮ��Ӣ�߸ߵĿ�����
And there's a two-car garage.
����һ���ɷ��������ij��⡣
Then why don't we go look at this house, too?
�����Ǻβ�Ҳȥ�����ⶰ���ӣ�
It's a good investment.
����һ���Ͷ�ʡ�
Thank you, Mrs. Martinelli.
лл�㣡Martinelli̫̫��
Thanks so much.
�dz����
My pleasure.
��������
Give my best to your parents.
�������㸸ĸ�ʺá�
Your father's a wonderful doctor, Richard.
�㸸���Ǹ��˲����ҽ����Richard��
He took care of my daughter
��Ů���������չ�
when she was a child.
����Сʱ��
He's the best pediatrician in Westchester.
����ȫWestchester��õ�С����ҽʦ��
Thanks, Mrs. Martinelli.
лл�㣬Martinelli̫̫��
I'll give them your regards.
�һ�������ת������ʺ�
We really appreciate your advice.
���Ƿdz���л��Ľ��顣
I do think you should go see the houses
��ȷʵ�е�����Ӧ��ȥ������Щ����
and talk to the bank.
���Һ�����̸һ̸��
Here.
����
Let me give you some information sheets about the houses.
�Ҹ�����һЩ������Щ���ӵļ�顣
They're both very good buys.
���������Ǽ۸���˵ġ�
Well, thanks so much for your help and your time,
�õģ���л��İ�����ռ�������ʱ�䡣
Mrs. Martinelli.
Martinelli̫̫��
We've got a lot to talk about.
�����кܶ���������ˡ�
Mmm-hmm. Thanks.
�š�лл��
How do you do?
��ã�
Hello.
���ޣ�
I'm Ralph Riley.
�ҽ�Ralph Riley��
I'm Richard Stewart, and this is my wife, Marilyn.
�ҽ�Richard Stewart�����������ӣ�Marilyn��
Pleased to meet you.
�ܸ���������档
Likewise, Mr. Riley.
����Ҳһ����Riley������
Please, sit down. What can I do for you?
�����¡�����Ϊ������ʲô�أ�
We'd like to discuss a mortgage.
���������һ�´�����¡�
For a house.
Ϊ�˷��ӡ�
Fine. Are you buying a house
�õġ�������Ҫ�����أ�
or are you refinancing your present home?
����ԭ�еķ�������������
We're planning to buy a house.
���Ǽƻ���һ�����ӡ�
And we'd like to find out about a mortgage.
������֪����δ��
We are customers of the bank.
�����ǹ��еĹ˿͡�
As a matter of fact, my whole family banks here.
��ʵ�ϣ�����ȫ�Ҷ��ǹ��еĹ˿͡�
I have some questions to ask.
����һЩ����Ҫ�ʡ�
Do you own your house or do you rent?
�����Լ��з��ӻ����ⷿ�ӣ�
Neither.
�����ǡ�
We live with my parents, Dr. and Mrs. Philip Stewart.
���Ǻ͸�ĸס��һ���Ҹ�ĸ��Philip Stewart�򸾡�
And how old are you?
�㼸���ˣ�
I'm twenty-nine.
�Ҷ�ʮ���ꡣ
I'm thirty.
����ʮ�ꡣ
And, Mr. Stewart, what is your occupation?
��ô��Stewart���������ְҵ�أ�
I'm a freelance photographer.
����������Ӱʦ��
And, Mrs. Stewart, are you working?
�ţ�Stewart̫̫�����й�����
Yes. I'm a designer, and I work in a boutique.
�ǵģ�����λ���ʦ������һ�ҷ�װ�깤����
Did you bring any savings or salary information?
���Ƿ���������н�ʵ�������ϣ�
Last year's tax forms?
Ʃ��ȥ�����˰�걨����
Yes. Here they are.
�����ˣ������
OK. What ... what kind of house did you have in mind?
�õģ����Ǵ�����ʲô���ķ��ӣ�
We're talking about buying
��������������
a two-bedroom house in Mount Kisco.
һ�����������ҵķ��ӣ���Mount Kisco��
Here are the financial details on the house.
�����ⷿ�ӵIJ���ϸ�ڡ�
Thank you.
лл�㡣
Are you prepared to make a ten-percent down payment?
��������10%��Ϊ�Ա�����
Yes, we are.
�ǵģ�����׼����ˡ�
Payments over thirty years?
��ʮ����ڸ�����
Yes.
�ǵġ�
Do you think we can get a loan?
����������ܵõ�������
Well, it depends. Do you own any other property?
�ţ��⻹Ҫ�����������ӵ������ʲô�Ʋ���
Any stocks or bonds?
�й�Ʊ��ծȯ��
No.
û�С�
I see. Then you don't have any collateral.
�������ˡ���ô����û���κε����
Perhaps you could get a guarantor--
Ҳ���������һλ�����ˣ�
someone to sign for the loan for you.
�Ҹ���Ϊ���ǵĴ���ǩ������
Why is that necessary?
Ϊʲô�д˱�Ҫ��
Since you don't have enough income,
�������ǵ����벻����
and you don't already own any property,
��������û��ӵ�������Ʋ���
the bank needs to be sure
������Ҫȷ��
you can pay the mortgage every month.
������ÿ�°�ʱ���
A guarantor is responsible for the loan
������Ҫ�Դ����
if you can't make the payments.
������Dz��ܻ�Ǯ��
I see. Well, the idea of buying a house is exciting.
�������ˡ��ţ����ӵ���ͷ�����˷ܹ�ͷ��
Thank you, Mr. Riley. We'll read this over carefully.
лл�㣬Riley���������ǻ���ϸ�Ķ���Щ��
Thank you.
лл���ǡ�
Good-bye. Thanks.
�ټ���лл��
Good-bye. And hope to see you soon.
�ټ���ϣ���ܿ��ټ������ǡ�
I hope so, too.
��Ҳϣ����ˡ�
Take care.
���ߡ�
Good-bye.
�ټ���
It all sounded so easy
һ������������ô���ס�
until they mentioned needing collateral or a guarantor.
�������ᵽ������򵣱���֮ǰ��
We have no collateral.
����û�е����
And I don't think it's a good idea
�����Ҿ����ⲻ�Ǹ�������
to ask Dad to sign as a guarantor.
��ְֵ�������Ϊ��ǩ�֡�
I don't feel right about it.
�Ҿ����������ԡ�
I understand your feelings about it, Richard.
���˽���������µ����飬Richard��
Now, tell me, what's the problem?
���������ң���ʲô���⣿
We can get a loan from the bank
�����ܹ������еõ����
if we can put up some collateral.
����������ṩ������Ļ���
And we don't own anything to use as collateral.
��������û���κο�����������Ķ�����
Or someone can sign with us as a guarantor.
���������ܵ������˰�����ǩ�֡�
Why don't you speak to Dad?
����Ϊʲô�����ְ�˵˵����
No. If we buy a house, I want to be able to handle it alone.
��������������ӣ���ϣ���ܹ����и���
Everybody needs help sometimes, Richard.
ÿ���˶�����Ҫ������ʱ��Richard��
I understand Richard's feelings about it, Ellen.
���˽�Richard�Դ˵ĸ��ܣ�Ellen��
In two or three months, I'll have an advance on my book
���������º����ܵõ����DZ����Ԥ����
and be able to put more money down.
Ҳ�Ϳ��������Ա���Ķ�ȡ�
What about the house in Mount Kisco?
��Mount Kisco�ķ����أ�
Somebody else'll buy it by then.
����Ҳ�������ˡ�
Then there'll be other houses, Marilyn.
�����б�ķ��ӣ�Marilyn��
Richard has a point. You're just beginning to look.
Richard˵�öԡ�����ֻ�ǿ�ʼ�����Ӷ��ѡ�
We're in no great rush. It's true.
���Dz����ܼ���������ġ�
This has been a great learning experience for us, Marilyn.
���������һ�κܺõ�ѧϰ���飬Marilyn��
Talking to the real-estate agent.
�뷿�ز��ٽ���̸��
Looking at the houses.
�����ӣ�
Talking to the loan officer at the bank.
�����еĴ������̸��
It has been a learning experience. That's true.
������һ��ѧϰ���飬��ġ�
I think you're doing the right thing. Taking your time.
�Ҿ����������öԡ���������
Looking around. Especially with a purchase of this kind.
�����������ر�����һ��������
You're talking about a lot of money.
����̸�Ŀ���һ���Ǯ��
We'll call Mrs. Martinelli and tell her to keep looking for us.
���ǻ��绰��Martinelli̫̫������������������ɫ���ӡ�
And I'll call Mr. Riley at the bank
�Ҵ�绰�����и�Riley������
and tell him we'll see him in a couple of months.
��������������������ȥ������
And if you ever need Dad or me to help you ...
������ǵ�ȷ��Ҫ�ҺͰְֵİ����Ļ�������
We know.
����֪����
You know we'll be there for you.
����֪�������ǻ����Ԯ�ֵġ�
It's a Stewart tradition. We're a family.
����Stewart�ҵĴ�ͳ��������һ���ˡ�