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پادکست شماره 05: هزینه ها

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سطح : سخت / موضوع: هزینه ها / سخنران: بین خانم و آقا  / طول:  03:57


در این پادکست در رابطه با  هزینه ها از سایت تیچر رجایی، یک پادکست در سطح آسان از پادکست های عمومی برای تقویت مهارت شنیداری شما تهیه گردیده است.

متن پادکست بهمراه PDF آن برای شما عزیزان تهیه گردیده است.

تمرینات قبل از گوش دادن به پادکست

هزینه های معمول ماهیانه دانشجویی که از طریق وام های دانشجویی زندگی می کند چیست؟ یک خانواده چهار نفره چطور؟ لیستی از هزینه های خود را بنویسید ، بفهمید چه مقدار پول برای هر کدام خرج می کنید و چند درصد از درآمد شما برای هر کدام پرداخت می شود.

پادکست

چند تمرین آنلاین :

این کارها را انجام دهید:

دریافت وام می تواند فرایند پیچیده ای در تلاش برای کشف شرایط توافق باشد. تصور کنید برای پرداخت شهریه اتومبیل یا کالج به وام نیاز دارید. وب سایتی را پیدا کنید که نوع وام مورد نیاز شما را ارائه دهد و اطلاعات را تجزیه و تحلیل کنید. هزینه واقعی وام شامل چه مواردی می شود؟

برای برنامه ریزی هزینه های ماهانه خود ، یک ابزار برنامه ریز بودجه آنلاین جستجو کنید. هزینه این سرویس چقدر است؟ چه ویژگی هایی دارد؟

تمرین

لطفا با دقت به پادکست زیر گوش دهید و بهمراه آن گفتگو را بخوانید. در نهایت، واژگان کلیدی و جملات نمونه را مرور کنید.

Ron: Uh, could I borrow a few bucks until payday? I’m a little strapped for cash.

Nancy: Uh, yeah, I guess, but I’m pinching pennies myself, and you still owe me $20 from last week. And mom and your friend Ron said you borrowed money from them this past week. [Oh, yeah.] How ARE things going anyway?

Ron: Well, not very well. To be honest, I’m really in the hole, and I can’t seem to make ends meet these days.

Nancy: What do you mean? I thought you landed a great job recently, so you must be loaded.

Ron: Well, I do have a job, but I’ve used my credit cards to pay off a lot of things recently, but now, I can’t seem to pay the money off.

Nancy: Uh, do you have a budget? I mean, how do you keep track of your income and expenses?

Ron: Well, when my money runs out, I come to you. Of course. [Great!] No, but I guess I should have some financial plan.

Nancy: Well, let me see if I can help you. How much money do you spend on your apartment?

Ron: Uh, I pay $890 on rent for the studio apartment downtown . . . not including utilities and cable TV. But the place has an awesome view of the city.

Nancy: Uh, $890! Why are you paying through the nose for such a small place when you could find a cheaper one somewhere outside of the downtown area?

Ron: Yeah, I guess.

Nancy: Okay. How much money do you spend on food a month?

Ron: Hmmm. I’m not really sure. I think I spend around $600. [$600?!] Well, I go out to eat at least four times a week, so those expenses add up. I just don’t enjoy eating alone, and I don’t have a knack for cooking like you do.

Nancy: Well, I can understand that, but perhaps you ought to buy some microwaveable meals you could prepare at home.

Ron: Well, I guess I could.

Nancy: And entertainment?

Ron: Well, I spend a few dollars here and there on basketball and movie tickets, a concert or two, and ballroom dance lessons.

Nancy: Uh, exactly how much do you spend on all of these? Just a “few” dollars?

Ron: Well, oh . . . about $400 or so.

Nancy: Or so? No wonder you’re having money problems. You can’t just blow your money on things like that! And what about transportation?

Ron: Oh, I commute to work everyday in my new sports car, but I got a great deal, and my monthly payments are only $450. Come outside and take a look. We can go for a spin!

Nancy: No, I’ve heard enough. You’ve got to curb your spending, or you’ll end up broke. I suggest you get rid of your credit cards, cut back on your entertainment expenses, and sell your car. Take public transportation from now on.

Ron: Sell my car?! I can’t date without a car. What am I going to say? “Uh, could you meet me downtown at the bus stop at 7:00?” Come on!

Nancy: And you need to create a budget for yourself and stick to it, and start with paying off your bills, starting with me. You owe me $50 dollars.

Ron: Fifty dollars! Wait, I only borrowed $20 from you last week. How did you come up with $50?

Nancy: Financial consulting fees. My advice is at least worth $30!

اصطلاحات:

lie through one’s teeth” = دروغ مصلحتی گفتن

“The man lied through his teeth even though he was guilty of the crime.”

rip someone off” = سر کسی را کلاه گذاشتن

“I decided to hire a lawyer because the salesman ripped me off.”

 جملات و واژگان نمونه

buck (noun): دلار

– Could you load me a buck or two until tomorrow?

be strapped for cash (idiom): هیچ پولی در دست نداشتن

– He has really been strapped for cash because he lost his job two weeks ago.

pinch pennies (idiom): با خساست پول خرج کردن ، ذره ذره پول خرج کردن

– That young couple had to pinch pennies so they can live.

in the hole (idiom): بدهکار بودن

– My brother has charged so some many purchases to his credit cards that he’s is the hole.

make ends meet (idiom): در آمد کافی داشتن

– When I was a student, I had to work three part-time jobs to make ends meet.

land (verb): پیدا کردن

– I need to land a good job where I can earn a lot of money.

be loaded (adjective): پول زیادی داشتن

– Don’t let him borrow money off you because, in reality, he’s loaded. His rich parents give him $2,500 in spending money a month!

budget (noun): یک برنامه مالی برای هزینه ها و درآمدها

– You should create a budget of your expenses.

keep track of (idiom): ثبت کردن نگه داشتن

– Any business should keep track of its earnings.

run out (phrasal verb): استفاده کردن ، تخلیه کردن

– If you don’t keep a budget, you might run out of money before your next paycheck.

utilities (noun): خدمات ارائه شده توسط شرکت های گاز ، برق و آب 

– The rent for this apartment includes the cost of utilities.

pay through the nose (idiom): مقدار زیادی پول پرداخت کردن

– Car insurance is so expensive that you have to pay through the nose to get any type of coverage these days.

knack (noun): راه یا  توانایی ویژه برای انجام دادن چیزی

– My mother has a real knack for saving money on her low salary.

blow (verb): پول را بیهوده و بدون فکر خرج کردن، هدر دادن پول

– People sometimes blow money on things that have no lasting value.

commute (verb): مسافت بین خانه و محل کار را رفتن و آمدن

– I commute by bus everyday.

curb (verb): کم کردن ، کاهش دادن

– Unless you curb your spending, you’re going to run out of money before the week is over.

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