Jane找上司Vincent, 可不是為了工作。
Jane: (knock knock) Hi, Vincent...got a second?
Vincent: Sure, Jane...come in. Grab a seat. What's on your mind?
J: Well, I know this doesn't fall under your responsibilities, but I really need some advice. Do you mind?
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問(wèn)Vincent有沒(méi)有時(shí)間，got a second? 請(qǐng)別人坐，可以說(shuō)grab a seat. Vincent讓 Jane - shoot. Shoot在這兒不是開槍，而是“說(shuō)吧”。原來(lái)，Jane是因?yàn)閭鶆?wù)纏身，heavily in debt, 讓Vincent幫她出主意，to get out of this hole，擺脫困境。
V: I see. Is this mainly credit card debt?
J: Yes. But there's a mortgage and car payments as well.
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錢，還有房貸和車貸。Vincent請(qǐng)公司的財(cái)務(wù)專家Anna來(lái)咨詢。注意聽，Jane欠了多少錢。
V: Jane wants advice on how to get out of credit card debt.
A: Ah. That's a popular problem these days. Can I ask how much you owe?
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, you might keep one for emergencies, but the point is: stop using the cards.
Jane一共欠了兩萬(wàn)五千美元。Anna說(shuō)，I'm going to be blunt，我直話直說(shuō)：要是我，今天就把信用卡都剪碎。The point is: stop using the cards，關(guān)鍵是：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. 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.
消費(fèi)者一定要注意信用卡的fine print，合同細(xì)則，Vince的銀行就收他14%的利率。刷卡購(gòu)物，你以為付的是商品標(biāo)價(jià)，the price tag, 可實(shí)際上有很多額外收費(fèi), a lot of extras。Jane具體該怎么做？我們下次繼續(xù)聽。
Jane: (knock knock) Hi, Vincent...got a second?
Vincent: Sure, Jane...come in. Grab a seat. What's on your mind?
J: Well, I know this doesn't fall under your responsibilities, but I really need some advice. Do you mind?
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問(wèn)Vincent有沒(méi)有時(shí)間，got a second? 請(qǐng)別人坐，可以說(shuō)grab a seat. Vincent讓 Jane - shoot. Shoot在這兒不是開槍，而是“說(shuō)吧”。原來(lái)，Jane是因?yàn)閭鶆?wù)纏身，heavily in debt, 讓Vincent幫她出主意，to get out of this hole，擺脫困境。
V: I see. Is this mainly credit card debt?
J: Yes. But there's a mortgage and car payments as well.
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錢，還有房貸和車貸。Vincent請(qǐng)公司的財(cái)務(wù)專家Anna來(lái)咨詢。注意聽，Jane欠了多少錢。
V: Jane wants advice on how to get out of credit card debt.
A: Ah. That's a popular problem these days. Can I ask how much you owe?
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, you might keep one for emergencies, but the point is: stop using the cards.
Jane一共欠了兩萬(wàn)五千美元。Anna說(shuō)，I'm going to be blunt，我直話直說(shuō)：要是我，今天就把信用卡都剪碎。The point is: stop using the cards，關(guān)鍵是：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. 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.
消費(fèi)者一定要注意信用卡的fine print，合同細(xì)則，Vince的銀行就收他14%的利率。刷卡購(gòu)物，你以為付的是商品標(biāo)價(jià)，the price tag, 可實(shí)際上有很多額外收費(fèi), a lot of extras。Jane具體該怎么做？我們下次繼續(xù)聽。