OnismGG_英语听力磨耳朵

B1｜Cost cutting


本期主题：Cost cutting
难度：CEFR B1
内容：50 句分级英语听力练习
练习顺序：英文女声 → 英文男声 → 中文 → 英文女声复读


听力原文与翻译


01
Our company is trying to cut costs in every department this year.
我们公司今年正试图在每个部门削减成本。


02
The manager asked us to think of new ways to save money.
经理要求我们想出省钱的新办法。


03
We had to cancel the office party to reduce our spending.
为了减少开支，我们不得不取消办公室聚会。


04
Buying cheaper materials helped the factory lower its costs.
购买更便宜的材料帮助工厂降低了成本。


05
Many small businesses cut costs by working from home.
许多小企业通过在家办公来削减成本。


06
The airline stopped offering free meals to save money.
这家航空公司停止提供免费餐食以省钱。


07
They turned off the lights at night to cut electricity bills.
他们晚上关灯以削减电费。


08
Hiring fewer new employees is one way to reduce expenses.
减少招聘新员工是降低开支的一种方法。


09
We started using public transport instead of company cars.
我们开始使用公共交通而不是公司用车。


10
The store reduced its prices to attract more customers.
这家商店降价以吸引更多顾客。


11
Cutting travel costs means fewer business trips this year.
削减差旅成本意味着今年商务出行会减少。


12
Our team now shares printers to save on office supplies.
我们团队现在共用打印机以节省办公用品。


13
The chef changed the menu to use cheaper ingredients.
厨师改变了菜单以使用更便宜的食材。


14
They negotiated a better deal with their supplier.
他们与供应商谈成了更划算的交易。


15
Wasting less food is a simple way to cut costs.
减少食物浪费是削减成本的一个简单方法。


16
The school saved money by repairing old computers.
学校通过修理旧电脑省下了钱。


17
Many families are cutting back on eating out.
许多家庭正在减少外出就餐。


18
The boss decided to freeze all new spending for now.
老板决定暂时冻结所有新的开支。


19
Recycling paper helped the office reduce its costs.
回收纸张帮助办公室降低了成本。


20
We cancelled our magazine subscriptions to save some money.
我们取消了杂志订阅以省点钱。


21
The hospital bought supplies in bulk to get lower prices.
医院批量购买物资以获得更低的价格。


22
Using energy-saving bulbs cut our power costs a lot.
使用节能灯泡大大降低了我们的电费。


23
The company closed two offices to save on rent.
公司关闭了两个办公室以节省租金。


24
Staff were asked to bring their own coffee to work.
员工被要求自己带咖啡来上班。


25
Automating some tasks reduced the need for extra workers.
将一些任务自动化减少了对额外工人的需求。


26
The restaurant stopped offering free bread before meals.
这家餐厅停止在餐前提供免费面包。


27
We found a cheaper insurance plan for the building.
我们为大楼找到了一份更便宜的保险计划。


28
Cutting costs often means making difficult choices.
削减成本往往意味着做出艰难的选择。


29
The factory repaired machines instead of buying new ones.
工厂修理机器而不是购买新的。


30
Some workers agreed to take fewer holidays to help.
一些员工同意减少假期来帮忙。


31
The shop uses social media instead of paid advertising.
这家商店使用社交媒体而不是付费广告。


32
Sharing rides to work saves both money and fuel.
拼车上班既省钱又省油。


33
The team moved to a smaller office to lower costs.
团队搬到了更小的办公室以降低成本。


34
We stopped printing documents and used email instead.
我们停止打印文件，改用电子邮件。


35
The company sold its extra equipment for some cash.
公司卖掉多余的设备换了一些现金。


36
Buying used furniture saved the new office a lot.
购买二手家具为新办公室省了很多钱。


37
The hotel reduced staff hours during the quiet season.
酒店在淡季减少了员工的工作时间。


38
Many people are growing vegetables to cut food costs.
许多人正在种菜以削减食品开支。


39
The firm ended its free coffee service for employees.
公司终止了为员工提供的免费咖啡服务。


40
We planned carefully to avoid wasting money on mistakes.
我们仔细规划以避免在错误上浪费钱。


41
Cutting costs too much can sometimes hurt quality.
过度削减成本有时会损害质量。


42
The city saved money by fixing roads instead of rebuilding.
这座城市通过修路而不是重建来省钱。


43
The team held online meetings to avoid travel costs.
团队举行线上会议以避免差旅费用。


44
They reduced packaging to lower costs and help the planet.
他们减少包装以降低成本并帮助地球。


45
The gym cut costs by closing earlier on weekdays.
健身房通过工作日提前关门来削减成本。


46
We compared prices online before buying new supplies.
我们在网上比较价格后才购买新用品。


47
The business saved money by paying bills on time.
这家企业通过按时付款省下了钱。


48
Cutting costs helped the company survive a hard year.
削减成本帮助公司度过了艰难的一年。


49
The staff now clean the office themselves to save money.
员工现在自己打扫办公室以省钱。


50
Simple changes at home can cut your monthly bills.
家里的小改变就能削减你的每月账单。


建议练习方式
第一遍先听大意，第二遍结合原文，之后尝试跟读。


关于 OnismGG
本期内容来自 OnismGG「英语听力磨耳朵」。


制作说明
本节目文本及语音由 AI 辅助生成与制作。

B1｜Taxes & filing


本期主题：Taxes & filing
难度：CEFR B1
内容：50 句分级英语听力练习
练习顺序：英文女声 → 英文男声 → 中文 → 英文女声复读


听力原文与翻译


01
I need to file my taxes before the deadline this year.
今年我需要在截止日期前报税。


02
Most people have to pay income tax every single year.
大多数人每年都必须缴纳所得税。


03
The tax deadline usually falls in the middle of April.
报税截止日期通常在四月中旬。


04
You can file your taxes online or send them by mail.
你可以在网上报税，也可以邮寄报税。


05
Keeping good records makes filing your taxes much easier.
保留好记录会让报税容易得多。


06
My employer sends me a form showing how much I earned.
我的雇主会寄给我一张表格，显示我赚了多少钱。


07
If you earn money, the government expects a share of it.
如果你赚钱，政府会期望分得一部分。


08
Many workers have tax taken out of their pay automatically.
许多工人的工资里会自动扣除税款。


09
You might get a refund if you paid too much tax.
如果你缴税过多，可能会获得退税。


10
Owe money this year means you have to pay the difference.
今年欠税意味着你必须补缴差额。


11
There are free tools online that help you prepare your return.
网上有免费的工具帮你准备纳税申报表。


12
Some people hire an accountant to handle their taxes.
有些人会请会计师来处理他们的税务。


13
Filing late can lead to fines and extra fees.
迟报税可能会导致罚款和额外费用。


14
You should double-check all the numbers before you submit.
提交之前你应该仔细核对所有数字。


15
A dependent can sometimes lower the amount of tax you owe.
受抚养人有时可以减少你应缴的税额。


16
Charitable donations may help reduce your taxable income.
慈善捐款可能有助于减少你的应税收入。


17
The tax office sends letters if something looks wrong.
如果有什么看起来不对，税务局会寄信来。


18
Save copies of every document in case you get audited.
保存每一份文件的副本，以防被审计。


19
Sales tax is added to many things you buy in stores.
你从商店购买许多东西时都会加上销售税。


20
Property owners pay tax on the value of their land.
房产所有者要按其土地价值缴税。


21
Self-employed people often pay taxes four times a year.
自雇人士通常一年缴税四次。


22
A tax break can save you a surprising amount of money.
税收减免能为你省下意想不到的一笔钱。


23
You can usually get an extension if you need more time.
如果你需要更多时间，通常可以申请延期。


24
Understanding the rules helps you avoid costly mistakes.
了解规则能帮助你避免代价高昂的错误。


25
My sister finished her tax return in just one evening.
我姐姐只用一个晚上就完成了她的报税。


26
Make sure your bank details are correct for the refund.
请确保你的银行信息正确，以便收到退税。


27
A tax credit reduces your bill more than a deduction.
税收抵免比扣除额更能减少你的税单。


28
Students with part-time jobs often have simple tax situations.
做兼职的学生通常税务情况比较简单。


29
If you move, tell the tax office your new address.
如果你搬家，要告诉税务局你的新地址。


30
The form asks about your job, income, and family.
表格会询问你的工作、收入和家庭情况。


31
Some expenses related to work can be claimed back.
一些与工作相关的开支可以申报抵扣。


32
Paperwork can pile up quickly if you ignore it.
如果置之不理，文书工作会很快堆积起来。


33
It is smart to set aside money for your tax bill.
为你的税单预留一笔钱是明智之举。


34
Different countries have very different tax systems.
不同国家有非常不同的税收制度。


35
Many people feel stressed when tax season arrives.
当报税季来临时，许多人会感到压力很大。


36
You can ask a professional if you feel confused.
如果你感到困惑，可以咨询专业人士。


37
The government uses tax money to build roads and schools.
政府用税收来修建道路和学校。


38
A simple mistake can delay your refund for weeks.
一个小错误可能会让你的退税延迟数周。


39
Always report all your income, even small amounts.
一定要申报你所有的收入，即使金额很小。


40
E-filing is faster and safer than sending paper forms.
电子报税比邮寄纸质表格更快、更安全。


41
Some people pay a company to prepare their taxes.
有些人花钱请公司帮他们报税。


42
You must keep receipts for things you want to claim.
你必须保留想要申报项目的收据。


43
Tax laws change often, so check the latest rules.
税法经常变化，所以要查看最新规定。


44
My father always waits until the last minute.
我父亲总是等到最后一刻才做。


45
A refund feels like a small gift in the spring.
退税在春天感觉像是一份小礼物。


46
Paying taxes is a duty that most citizens share.
纳税是大多数公民共同承担的义务。


47
Couples can sometimes file their taxes together.
夫妻有时可以一起报税。


48
If you lose a form, your employer can send another.
如果你弄丢了一份表格，雇主可以再寄一份。


49
Planning ahead makes the whole process less painful.
提前规划会让整个过程没那么痛苦。


50
Learning about taxes helps you keep more of your money.
了解税务能帮助你留住更多的钱。


建议练习方式
第一遍先听大意，第二遍结合原文，之后尝试跟读。


关于 OnismGG
本期内容来自 OnismGG「英语听力磨耳朵」。


制作说明
本节目文本及语音由 AI 辅助生成与制作。

B1｜Cash flow & invoicing


本期主题：Cash flow & invoicing
难度：CEFR B1
内容：50 句分级英语听力练习
练习顺序：英文女声 → 英文男声 → 中文 → 英文女声复读


听力原文与翻译


01
I send the invoice to the customer right after we finish the work.
我们完成工作后，我马上把发票发给客户。


02
Most of our clients pay within thirty days of receiving the bill.
我们的大多数客户在收到账单后三十天内付款。


03
Cash flow is the money coming in and going out of a business.
现金流是企业进出账的资金。


04
Last month, we had more expenses than income, so money was tight.
上个月我们的支出多于收入，所以资金很紧张。


05
Please check the invoice carefully before you send it out.
寄出发票前请仔细核对一下。


06
A late payment can cause serious problems for a small company.
延迟付款可能会给小公司带来严重问题。


07
We usually ask new customers to pay a deposit in advance.
我们通常要求新客户预先支付定金。


08
The accounting team tracks every payment in a shared spreadsheet.
财务团队在一个共享表格里追踪每一笔付款。


09
If you pay the invoice early, we can offer you a small discount.
如果你提前支付发票，我们可以给你一点折扣。


10
Our biggest client still owes us money from two months ago.
我们最大的客户还欠着我们两个月前的钱。


11
I need to follow up on the unpaid invoices this afternoon.
我今天下午需要跟进那些未付的发票。


12
Good cash flow helps a business pay its workers on time.
良好的现金流能帮助企业按时支付员工工资。


13
The invoice includes the date, the items, and the total amount.
发票包括日期、项目和总金额。


14
We send payment reminders to clients who forget to pay.
我们会给忘记付款的客户发送付款提醒。


15
Running out of cash is one of the main reasons businesses fail.
资金耗尽是企业倒闭的主要原因之一。


16
Can you confirm that you received our invoice last week?
你能确认上周收到了我们的发票吗？


17
We offer several ways to pay, including bank transfer and card.
我们提供多种付款方式，包括银行转账和刷卡。


18
The manager reviews the cash flow report at the end of each month.
经理在每月月底查看现金流报告。


19
Some customers always pay late, and that makes planning difficult.
有些客户总是很晚才付款，这让规划变得困难。


20
We keep some extra money in the bank for emergencies.
我们在银行存了一些额外的钱以备急需。


21
Please send the invoice as a PDF file attached to an email.
请把发票作为PDF文件附在邮件里发送。


22
The company had to delay a payment because cash was low.
由于现金不足，公司不得不推迟一笔付款。


23
Our goal is to collect all outstanding payments by Friday.
我们的目标是在周五前收回所有未结的款项。


24
A clear invoice helps avoid confusion between you and the client.
一份清晰的发票有助于避免你和客户之间的混淆。


25
The finance director worries about cash flow during slow seasons.
财务总监在淡季时担心现金流问题。


26
We agreed to split the payment into three equal parts.
我们同意将付款分成三个相等的部分。


27
You should always keep a copy of every invoice you send.
你应该始终保留你发出的每一张发票的副本。


28
Late fees are added when a customer pays after the due date.
当客户在到期日之后付款时，会加收滞纳金。


29
The new software makes it easier to create and send invoices.
新软件让创建和发送发票变得更容易。


30
We need to improve our cash flow before the end of the year.
我们需要在年底前改善我们的现金流。


31
He called the client to ask about the overdue invoice politely.
他礼貌地打电话给客户询问逾期的发票。


32
Short-term loans can help when cash flow is temporarily slow.
当现金流暂时缓慢时，短期贷款可以帮忙。


33
Every invoice should have a unique number for easy tracking.
每张发票都应该有一个唯一的编号，方便追踪。


34
The business is growing, but the cash flow is still unstable.
生意在增长，但现金流仍然不稳定。


35
Customers often pay faster when you offer a small discount.
当你提供小额折扣时，客户通常会更快付款。


36
I keep a list of all the invoices that are still unpaid.
我保留了一份所有仍未付款的发票清单。


37
The bank statement shows exactly how money moved this month.
银行对账单准确地显示了本月资金的流动情况。


38
We had a healthy cash flow thanks to a few large orders.
由于几笔大订单，我们的现金流很健康。


39
Make sure the client's name and address are correct on the invoice.
确保发票上客户的名字和地址是正确的。


40
Paying suppliers on time helps us keep good business relationships.
按时支付供应商有助于我们维持良好的业务关系。


41
The team meets every Monday to discuss cash flow and payments.
团队每周一开会讨论现金流和付款情况。


42
A sudden drop in sales can put pressure on a company's cash flow.
销售额突然下降会给公司的现金流带来压力。


43
She emailed the invoice and asked for confirmation of receipt.
她通过电子邮件发送了发票，并要求确认收据。


44
We try to pay our bills on time to build trust with partners.
我们尽量按时支付账单，以建立与合作伙伴的信任。


45
The accountant noticed a mistake in one of the invoices.
会计注意到其中一张发票上有一个错误。


46
Keeping detailed records makes it easier to manage your cash flow.
保留详细记录能让管理现金流变得更容易。


47
Some clients prefer to receive their invoices by regular mail.
有些客户更喜欢通过普通邮件收到他们的发票。


48
We plan our spending carefully to avoid cash flow problems.
我们仔细规划支出，以避免现金流问题。


49
The invoice was sent to the wrong address, so payment was delayed.
发票寄错了地址，所以付款被延迟了。


50
Understanding cash flow is a key skill for any business owner.
了解现金流是任何企业主的一项关键技能。


建议练习方式
第一遍先听大意，第二遍结合原文，之后尝试跟读。


关于 OnismGG
本期内容来自 OnismGG「英语听力磨耳朵」。


制作说明
本节目文本及语音由 AI 辅助生成与制作。

B1｜Quarterly results


本期主题：Quarterly results
难度：CEFR B1
内容：50 句分级英语听力练习
练习顺序：英文女声 → 英文男声 → 中文 → 英文女声复读


听力原文与翻译


01
Our company released its quarterly results last week, and the numbers look strong.
我们公司上周发布了季度业绩，数字看起来很不错。


02
The quarterly report shows that sales increased by twelve percent.
季度报告显示销售额增长了百分之十二。


03
Profits were higher this quarter than in the same period last year.
本季度的利润比去年同期更高。


04
The CEO was very happy with the quarterly results.
首席执行官对季度业绩非常满意。


05
We missed our sales target by only a small amount.
我们的销售目标只差一点点就完成了。


06
Revenue grew steadily during the second quarter of the year.
今年第二季度的收入稳步增长。


07
The finance team worked late to prepare the quarterly numbers.
财务团队加班准备季度数据。


08
Investors reacted positively to the strong quarterly earnings.
投资者对强劲的季度收益反应积极。


09
Our costs went down, which helped improve the quarterly results.
我们的成本下降了，这有助于改善季度业绩。


10
The quarterly meeting will take place on Friday afternoon.
季度会议将在周五下午举行。


11
Sales in Asia were especially good this quarter.
本季度亚洲的销售尤其出色。


12
The company reported a small loss for the last quarter.
公司报告上季度出现小幅亏损。


13
We need to analyze the quarterly results before making new plans.
在制定新计划之前，我们需要分析季度业绩。


14
The quarterly figures were published on the company website.
季度数据发布在公司网站上。


15
Our team exceeded its quarterly goals for the third time.
我们团队第三次超额完成了季度目标。


16
The board of directors reviewed the quarterly results carefully.
董事会仔细审查了季度业绩。


17
Customer growth was slower than we expected this quarter.
本季度客户增长比我们预期的要慢。


18
The quarterly earnings call lasted almost two hours.
季度财报电话会议持续了将近两个小时。


19
Marketing spending increased, but the results did not improve much.
营销支出增加了，但业绩并没有太大改善。


20
The quarterly report includes charts and detailed tables.
季度报告包含图表和详细的表格。


21
Our online sales doubled compared to the previous quarter.
与上一季度相比，我们的线上销售额翻了一番。


22
The quarterly results were better than most experts predicted.
季度业绩比大多数专家预测的都要好。


23
Several departments did not meet their quarterly targets.
有几个部门没有达到季度目标。


24
The company announced its quarterly results early this morning.
公司今天一早公布了季度业绩。


25
We are still waiting for the final quarterly numbers.
我们还在等待最终的季度数据。


26
The quarterly profit margin improved by two percent.
季度利润率提高了两个百分点。


27
Managers discussed the quarterly results in a long video call.
经理们通过一个很长的视频电话讨论了季度业绩。


28
The new product contributed a lot to this quarter's growth.
新产品对本季度的增长贡献很大。


29
Our quarterly results depend heavily on holiday sales.
我们的季度业绩在很大程度上取决于假日销售。


30
The stock price rose after the quarterly results were announced.
季度业绩公布后，股价上涨了。


31
The quarterly review helps us understand where we can improve.
季度审查帮助我们了解哪些地方可以改进。


32
Expenses were higher this quarter because of new equipment.
由于购买了新设备，本季度的开支更高。


33
The quarterly results were shared with all employees by email.
季度业绩通过电子邮件分享给了所有员工。


34
We celebrated a successful quarter with a small office party.
我们举办了一个小型办公室聚会来庆祝一个成功的季度。


35
The quarterly forecast suggests strong growth in the next period.
季度预测显示下一阶段将强劲增长。


36
Our competitors also reported their quarterly results this week.
我们的竞争对手这周也公布了季度业绩。


37
The quarterly numbers show that we are moving in the right direction.
季度数据表明我们正朝着正确的方向前进。


38
The manager asked for a summary of the quarterly results.
经理要求提供一份季度业绩摘要。


39
Weak demand in Europe affected our quarterly performance.
欧洲需求疲软影响了我们的季度表现。


40
The quarterly results were mixed, with some gains and some losses.
季度业绩好坏参半，有增长也有亏损。


41
We set new quarterly records for both sales and customers.
我们在销售额和客户数量上都创下了新的季度纪录。


42
The finance director explained the quarterly results in simple words.
财务总监用简单的话解释了季度业绩。


43
Our quarterly results improved after we cut unnecessary costs.
在削减不必要的成本后，我们的季度业绩有所改善。


44
The quarterly report will be ready by next Monday.
季度报告将在下周一之前准备好。


45
Employees received a bonus because of the strong quarterly results.
由于季度业绩强劲，员工们获得了奖金。


46
The quarterly results reflect months of hard work by the whole team.
季度业绩反映了整个团队数月的辛勤工作。


47
We compared our quarterly results with those of our main rivals.
我们把季度业绩与主要竞争对手的业绩进行了比较。


48
The quarterly data shows a clear trend of steady improvement.
季度数据显示出稳步改善的明显趋势。


49
Some analysts were surprised by the latest quarterly figures.
一些分析师对最新的季度数据感到惊讶。


50
The quarterly results will guide our strategy for the coming months.
季度业绩将指导我们未来几个月的战略。


建议练习方式
第一遍先听大意，第二遍结合原文，之后尝试跟读。


关于 OnismGG
本期内容来自 OnismGG「英语听力磨耳朵」。


制作说明
本节目文本及语音由 AI 辅助生成与制作。

B1｜Budgeting & saving


本期主题：Budgeting & saving
难度：CEFR B1
内容：50 句分级英语听力练习
练习顺序：英文女声 → 英文男声 → 中文 → 英文女声复读


听力原文与翻译


01
I write down everything I spend so I can see where my money goes.
我记下每一笔支出，这样就能看清钱花到哪里去了。


02
Making a budget each month helps me feel more in control.
每个月做预算让我感觉更能掌控局面。


03
She puts a small amount of money into her savings account every week.
她每周都会往储蓄账户里存一小笔钱。


04
We decided to save for a new car instead of borrowing money.
我们决定为新买一辆车存钱，而不是去借钱。


05
My father taught me to always pay my bills on time.
我父亲教我要按时付账单。


06
Eating at home more often can save you a lot of money.
多在家吃饭可以帮你省下很多钱。


07
He keeps a list of things he wants but does not really need.
他列了一张自己想要的、但其实并不需要的东西清单。


08
Opening a separate savings account made it easier for me to save.
开一个单独的储蓄账户让我更容易存钱。


09
Before buying something expensive, I wait a few days and think about it.
买贵东西之前，我会等几天再考虑一下。


10
Our family tries to spend less than we earn each month.
我们家尽量每个月花的比挣的少。


11
She uses a phone app to track her daily spending habits.
她用手机应用来记录每天的花钱习惯。


12
Setting a goal makes saving money feel more like a game.
设定目标让存钱感觉更像一场游戏。


13
I stopped buying coffee every morning and saved quite a bit.
我不再每天早上买咖啡，省下了不少钱。


14
It is smart to have some money saved for emergencies.
存一些应急的钱是明智的。


15
They are saving up to take a trip to Japan next year.
他们正在攒钱，打算明年去日本旅行。


16
Many people find it hard to resist a good sale.
很多人觉得很难抵挡打折的诱惑。


17
You should compare prices before you decide to buy anything.
在决定买任何东西之前，你应该比较一下价格。


18
My sister keeps her spare coins in a big glass jar.
我妹妹把零钱存在一个大玻璃罐里。


19
Cutting small costs every day can add up over a year.
每天削减一点小开销，一年下来也会积少成多。


20
He learned to cook so he could stop wasting money on takeout.
他学会了做饭，这样就不用再浪费钱点外卖了。


21
We set a spending limit before we go shopping together.
我们一起购物前会先设定一个消费上限。


22
Reading about personal finance helped me manage my salary better.
阅读个人理财的知识帮助我更好地管理工资。


23
She was surprised by how much she spent on snacks last month.
她惊讶地发现上个月在零食上花了那么多钱。


24
Putting money aside first is easier than saving what is left.
先存钱比存剩下的钱要容易。


25
I try to use cash instead of my card to spend less.
我尽量用现金而不是刷卡，这样能少花点钱。


26
A simple budget does not have to be difficult or boring.
一份简单的预算不一定很难或很无聊。


27
He sold things he no longer used and earned some extra cash.
他卖掉了不再用的东西，赚了一些额外的钱。


28
Saving a little every month is better than saving nothing at all.
每个月存一点总比一点都不存好。


29
My parents always told me not to spend money I do not have.
我父母总是告诉我不要花自己没有的钱。


30
She made a shopping list so she would not buy useless things.
她列了购物清单，这样就不会买没用的东西。


31
The best time to start saving was yesterday, but today works too.
开始存钱的最好时机是昨天，但今天也不晚。


32
We share a family budget so everyone knows our limits.
我们共用一份家庭预算，这样每个人都知道我们的限额。


33
He gave up his expensive gym membership and started running outside.
他放弃了昂贵的健身房会员，开始在外面跑步。


34
Talking openly about money with your partner can prevent arguments.
和伴侣坦诚地谈论金钱可以避免争吵。


35
I check my bank account once a week to avoid surprises.
我每周查看一次银行账户，以免有意外。


36
Buying used items online is a great way to save money.
在网上买二手物品是省钱的好办法。


37
She wants to build an emergency fund of three months of pay.
她想建立一个相当于三个月工资的应急基金。


38
Small savings today can grow into something big in the future.
今天的小储蓄将来可能变成一大笔钱。


39
My grandfather lived simply and never wasted a single penny.
我爷爷生活简朴，从不浪费一分钱。


40
It helps to write your financial goals down on paper.
把你的财务目标写在纸上很有帮助。


41
They paid off their credit card debt and felt much lighter.
他们还清了信用卡债务，感觉轻松多了。


42
Learning to say no to yourself is part of saving money.
学会对自己说不，是存钱的一部分。


43
We plan our meals for the week to avoid wasting food.
我们为一周的饭菜做计划，以免浪费食物。


44
A rainy day fund gives you peace of mind when trouble comes.
一笔应急基金能在遇到困难时让你心安。


45
He checks the price per unit to find the best deal.
他会查看单价，以找到最划算的交易。


46
Saving for retirement feels far away, but it matters now.
为退休存钱感觉还很遥远，但现在就很 important。


47
I reward myself with a small treat after a good saving month.
在存钱成效不错的一个月后，我会给自己一点小奖励。


48
Borrowing money from friends can hurt a good relationship.
向朋友借钱可能会伤害一段好的关系。


49
She keeps a notebook of prices so she knows what is fair.
她记录价格，这样就知道什么是合理的。


50
With patience and a clear plan, anyone can learn to save.
只要有耐心和清晰的计划，任何人都能学会存钱。


建议练习方式
第一遍先听大意，第二遍结合原文，之后尝试跟读。


关于 OnismGG
本期内容来自 OnismGG「英语听力磨耳朵」。


制作说明
本节目文本及语音由 AI 辅助生成与制作。

B1｜Loans & mortgages


本期主题：Loans & mortgages
难度：CEFR B1
内容：50 句分级英语听力练习
练习顺序：英文女声 → 英文男声 → 中文 → 英文女声复读


听力原文与翻译


01
I need to borrow some money from the bank to buy a house.
我需要从银行借一些钱来买房子。


02
The bank agreed to lend us the full amount for the apartment.
银行同意借给我们买公寓的全额款项。


03
We have to pay back the loan over twenty-five years.
我们必须在二十五年内还清这笔贷款。


04
The interest rate on this mortgage is quite low right now.
目前这个房贷的利率相当低。


05
They make a monthly payment to the bank on the first day.
他们每月一号向银行还款。


06
The bank asked for proof of income before approving the loan.
银行在批准贷款之前要求提供收入证明。


07
He borrowed too much money and now struggles to repay it.
他借了太多钱，现在还款很吃力。


08
The mortgage payment takes up half of their monthly salary.
房贷还款占了他们月薪的一半。


09
A fixed rate loan keeps the same interest for the whole term.
固定利率贷款在整个期限内利率保持不变。


10
They had to put down a large deposit for the property.
他们不得不为这处房产支付一大笔首付。


11
I signed all the loan documents at the bank yesterday afternoon.
我昨天下午在银行签署了所有贷款文件。


12
The total amount you owe includes the interest and fees.
你所欠的总金额包括利息和费用。


13
Most people take out a mortgage when they buy their first home.
大多数人在买第一套房子时会申请按揭贷款。


14
She is looking for a loan with a lower interest rate.
她正在寻找利率更低的贷款。


15
The monthly instalments are due at the end of each month.
每月的分期付款在每月月底到期。


16
If you miss a payment, the bank will charge you extra.
如果你错过一次还款，银行会向你收取额外费用。


17
We finally paid off the mortgage after many long years.
经过许多漫长岁月，我们终于还清了房贷。


18
The couple borrowed money to start their own small business.
这对夫妇借钱来开创自己的小生意。


19
The loan officer explained all the terms in simple language.
贷款专员用简单的语言解释了所有条款。


20
You should compare several banks before choosing a mortgage.
在选择按揭贷款之前，你应该比较几家银行。


21
A high credit score helps you get a better loan deal.
良好的信用评分能帮助你获得更好的贷款条件。


22
Her parents helped her pay back the loan much faster.
她的父母帮助她更快地还清了贷款。


23
The bank rejected his application because of bad credit history.
由于信用记录不佳，银行拒绝了他的申请。


24
They refinanced the loan to reduce their monthly costs.
他们重新贷款以降低每月的开支。


25
I want to pay more each month so I finish sooner.
我想每月多还一些，这样就能更早还完。


26
The interest rates went up and our payments became higher.
利率上涨了，我们的还款也变多了。


27
Taking a loan means you must repay it with interest.
贷款意味着你必须连本带利地偿还。


28
He used his car as security for a small bank loan.
他用汽车作为一笔小额银行贷款的担保。


29
The amount of the mortgage depends on the house price.
按揭贷款的金额取决于房子的价格。


30
Please read the contract carefully before signing the loan papers.
在签署贷款文件之前，请仔细阅读合同。


31
Nowadays it is easy to apply for a loan online.
如今在线申请贷款很容易。


32
They owe the bank more than they can afford to pay.
他们欠银行的钱超过了他们的偿还能力。


33
A guarantor may be needed if your income is not stable.
如果你的收入不稳定，可能需要一位担保人。


34
The bank charges a fee for setting up the mortgage.
银行会为办理按揭收取一笔手续费。


35
She makes extra payments whenever she receives a bonus.
每当领到奖金时，她都会额外还款。


36
Our mortgage is almost half paid off after ten years.
十年后，我们的房贷几乎还了一半。


37
The interest on this loan adds up over a long period.
这笔贷款的利息在长期内会不断累积。


38
Heavy debts can cause a lot of stress for a family.
沉重的债务会给一个家庭带来很大的压力。


39
Many students take out loans to pay for their education.
许多学生贷款来支付他们的学费。


40
The payment plan allows you to pay back in small amounts.
还款计划允许你以小额方式偿还。


41
We asked the bank to lower the interest on our mortgage.
我们请求银行降低我们按揭贷款的利率。


42
A mortgage is a long-term loan used to buy property.
按揭贷款是一种用于购买房产的长期贷款。


43
He paid off his loan early and saved a lot of money.
他提前还清了贷款，省下了很多钱。


44
The bank requires you to make a down payment first.
银行要求你先支付一笔首付款。


45
Her monthly budget includes the loan payment and other bills.
她的每月预算包括贷款还款和其他账单。


46
Borrowing money is fine as long as you can repay it.
只要能还上，借钱是可以的。


47
The interest rate can change every year on some loans.
有些贷款的利率每年都会变动。


48
They saved for years to avoid taking a big loan.
他们存了好几年的钱，以避免借一大笔贷款。


49
The bank will check your income and expenses carefully.
银行会仔细核查你的收入和支出。


50
It feels great to finally be free of all debt.
终于摆脱所有债务的感觉真好。


建议练习方式
第一遍先听大意，第二遍结合原文，之后尝试跟读。


关于 OnismGG
本期内容来自 OnismGG「英语听力磨耳朵」。


制作说明
本节目文本及语音由 AI 辅助生成与制作。

B1｜Insurance


本期主题：Insurance
难度：CEFR B1
内容：50 句分级英语听力练习
练习顺序：英文女声 → 英文男声 → 中文 → 英文女声复读


听力原文与翻译


01
Many people buy insurance to protect their families from unexpected problems.
许多人购买保险是为了保护家人免受意外问题的困扰。


02
Health insurance helps pay for doctor visits and hospital bills.
健康保险有助于支付看医生和住院的费用。


03
Car insurance is required by law in most countries.
在大多数国家，汽车保险是法律要求的。


04
If you have an accident, your insurance company may cover the damage.
如果你出了事故，你的保险公司可能会赔偿损失。


05
Life insurance gives money to your family after you pass away.
人寿保险会在你去世后给你的家人一笔钱。


06
The monthly payment for insurance is called a premium.
保险的每月付款被称为保费。


07
Before you buy a policy, you should read the contract carefully.
在购买保单之前，你应该仔细阅读合同。


08
Some insurance plans cover dental care and eye exams.
有些保险计划涵盖牙科护理和眼科检查。


09
Travel insurance can help if you lose your luggage abroad.
如果你在国外丢失了行李，旅行保险可以提供帮助。


10
Home insurance protects your house from fire and other disasters.
房屋保险保护你的房子免受火灾和其他灾害。


11
When you make a claim, you need to provide proof of the loss.
当你提出索赔时，你需要提供损失的证明。


12
Insurance companies calculate risk before they decide on a price.
保险公司在决定价格之前会计算风险。


13
Young drivers usually pay more for car insurance than older ones.
年轻司机通常比年长的司机支付更多的汽车保险费。


14
A deductible is the amount you pay before insurance covers the rest.
免赔额是保险承担其余部分之前你自己支付的金额。


15
Many employers offer health insurance as part of the job benefits.
许多雇主将健康保险作为工作福利的一部分。


16
If you are not happy with your policy, you can change it later.
如果你对保单不满意，以后可以更换。


17
Pet insurance can cover expensive vet bills when your dog gets sick.
当你的狗生病时，宠物保险可以支付昂贵的兽医费用。


18
The agent explained the different types of coverage in simple words.
代理人用简单的话解释了不同类型的保险范围。


19
You should compare prices from several companies before you decide.
在做决定之前，你应该比较几家公司的价格。


20
Being honest on your application is very important for your insurance.
在申请中诚实对你的保险非常重要。


21
Some people think insurance is too expensive and choose to save money instead.
有些人认为保险太贵，选择存钱代替。


22
After the storm, hundreds of families filed claims with their insurers.
暴风雨过后，数百个家庭向保险公司提出了索赔。


23
The insurance company refused to pay because the damage was not covered.
保险公司拒绝赔偿，因为损害不在保险范围内。


24
You can often lower your premium by choosing a higher deductible.
你通常可以通过选择更高的免赔额来降低保费。


25
Business owners buy insurance to protect their shops and employees.
企业主购买保险来保护他们的商店和员工。


26
My friend works for an insurance company in the city center.
我朋友在市中心的一家保险公司工作。


27
If your phone is stolen, phone insurance may buy you a new one.
如果你的手机被偷了，手机保险可能会给你买一部新的。


28
The contract explains exactly what is covered and what is not.
合同明确说明了哪些在保险范围内，哪些不在。


29
Many students need to buy health insurance before they start university.
许多学生在开始上大学之前需要购买健康保险。


30
You can pay your insurance premium monthly or once a year.
你可以按月或一年一次支付保险费。


31
A good insurance policy can save you a lot of money in an emergency.
一份好的保险单可以在紧急情况下为你节省很多钱。


32
The salesman tried to convince us to buy extra coverage.
推销员试图说服我们购买额外的保险。


33
Old buildings are often harder and more expensive to insure.
老建筑通常更难投保，而且费用更高。


34
When you move to a new house, remember to update your insurance.
当你搬到新房子时，记得更新你的保险。


35
Some policies pay for lost income if you cannot work.
有些保单会在你无法工作时赔偿你损失的收入。


36
The hospital asked for my insurance card before I saw the doctor.
在我看医生之前，医院要求我出示保险卡。


37
Reading reviews online can help you find a reliable insurance company.
在网上阅读评论可以帮助你找到一家可靠的保险公司。


38
Flood damage is not always included in a standard home policy.
洪水造成的损害并不总是包含在标准房屋保险中。


39
Many families feel safer when they have good insurance protection.
许多家庭在拥有良好的保险保障时感到更安全。


40
The company pays the claim within a few weeks after approval.
公司在批准后的几周内支付索赔。


41
You should keep copies of all your insurance documents in a safe place.
你应该把所有保险文件的副本保存在安全的地方。


42
Some countries offer free basic health insurance to all citizens.
有些国家为所有公民提供免费的基本健康保险。


43
If you drive without insurance, you may have to pay a large fine.
如果你没有保险就开车，你可能要支付一大笔罚款。


44
The insurance agent visited our home to discuss a new plan.
保险代理人来我们家讨论了一个新计划。


45
You can usually add your spouse and children to your health plan.
你通常可以把配偶和孩子加入你的健康计划。


46
Some people buy insurance for their valuable jewelry and art.
有些人为他们贵重的珠宝和艺术品购买保险。


47
The paperwork for a claim can be long and sometimes confusing.
索赔的文件可能很长，有时令人困惑。


48
It is wise to review your insurance needs once a year.
每年审查一次你的保险需求是明智的。


49
Without insurance, one serious illness can destroy a family's savings.
没有保险，一场重病可能会毁掉一个家庭的积蓄。


50
Shopping around for insurance takes time, but it can save you money.
货比三家购买保险需要时间，但可以为你省钱。


建议练习方式
第一遍先听大意，第二遍结合原文，之后尝试跟读。


关于 OnismGG
本期内容来自 OnismGG「英语听力磨耳朵」。


制作说明
本节目文本及语音由 AI 辅助生成与制作。

B1｜Investing & stocks


本期主题：Investing & stocks
难度：CEFR B1
内容：50 句分级英语听力练习
练习顺序：英文女声 → 英文男声 → 中文 → 英文女声复读


听力原文与翻译


01
I opened a brokerage account last week to start investing in stocks.
我上周开了一个证券账户，开始投资股票。


02
The stock market goes up and down every single day.
股票市场每天都在涨涨跌跌。


03
Many people buy shares of big companies like Apple and Amazon.
许多人购买苹果和亚马逊等大公司的股票。


04
Before you invest, you should learn some basic rules.
投资之前，你应该学习一些基本规则。


05
My father told me to invest for the long term.
我父亲告诉我要做长期投资。


06
A share is a small piece of ownership in a company.
股票是公司所有权的一小部分。


07
Prices can change quickly when the news is bad.
当消息不好时，价格会迅速变化。


08
She made a lot of money by buying the right stocks.
她通过买对股票赚了很多钱。


09
Do not put all your money into one single company.
不要把你所有的钱都投到一家公司里。


10
The index rose two percent after a strong earnings report.
在强劲的盈利报告后，指数上涨了百分之二。


11
Investing feels scary at first, but it gets easier with practice.
投资一开始让人害怕，但多练习就会变得容易些。


12
You can buy stocks online in just a few minutes.
你只需几分钟就能在网上买股票。


13
Some investors prefer safe bonds over risky stocks.
一些投资者更喜欢安全的债券，而不是有风险的股票。


14
The value of my portfolio dropped during the crisis.
在经济危机期间，我的投资组合价值下跌了。


15
A dividend is money a company pays to its shareholders.
股息是公司付给股东的钱。


16
He lost most of his savings in a bad investment.
他因一次糟糕的投资损失了大部分积蓄。


17
Experts say young people should start saving and investing early.
专家说年轻人应该尽早开始储蓄和投资。


18
The market often falls when interest rates go up.
当利率上升时，市场往往会下跌。


19
I check my stocks on my phone every morning.
我每天早上都用手机查看我的股票。


20
Buying low and selling high sounds easy but is very hard.
低买高卖听起来容易，但做起来很难。


21
Her company went public and the stock price jumped.
她的公司上市了，股价随之暴涨。


22
Never borrow money to buy stocks you cannot afford.
千万不要借钱去买你买不起的股票。


23
A good investor stays calm when prices are falling.
优秀的投资者在价格下跌时保持冷静。


24
We discussed the risks of the stock market over dinner.
我们在晚餐时讨论了股票市场的风险。


25
Technology stocks have grown very fast in recent years.
科技股近年来增长非常快。


26
You do not need much money to begin investing today.
如今你不需要很多钱就可以开始投资。


27
The company's stock fell after the CEO resigned.
在首席执行官辞职后，公司股价下跌了。


28
Reading company reports helps you make smarter choices.
阅读公司报告有助于你做出更明智的选择。


29
Some people trade stocks every day as a full-time job.
有些人把每天交易股票当作全职工作。


30
Patience is probably the most important skill in investing.
耐心可能是投资中最重要的技能。


31
The economy is strong, so investors feel more confident.
经济强劲，所以投资者更有信心。


32
I made a small profit on my first trade last month.
上个月我的第一笔交易小赚了一笔。


33
Fees and taxes can reduce the money you earn.
手续费和税费会减少你赚到的钱。


34
Many workers invest for their retirement through a fund.
许多工人通过基金为退休进行投资。


35
The bubble burst and thousands of investors lost everything.
泡沫破灭，成千上万的投资者失去了一切。


36
Learning about the market takes time, so be patient.
了解市场需要时间，所以要有耐心。


37
A fund lets you invest in many companies at once.
基金让你可以一次性投资多家公司。


38
Prices depend on how much people want to buy or sell.
价格取决于人们想买或想卖多少。


39
She keeps a written plan for all her investments.
她为自己的所有投资都保留一份书面计划。


40
Do not follow advice from strangers on the internet.
不要听从互联网上陌生人的建议。


41
The stock opened higher but closed much lower.
该股票开盘走高，但收盘时低得多。


42
Some companies pay no dividends and grow instead.
有些公司不支付股息，而是选择增长。


43
It is wise to keep some cash for emergencies.
留一些现金以备不时之需是明智的。


44
My uncle has been investing in the market for thirty years.
我叔叔已经投资市场三十年了。


45
Watching the numbers all day can make you nervous.
整天盯着数字会让你紧张。


46
A balanced portfolio usually includes stocks and bonds.
平衡的投资组合通常包括股票和债券。


47
He sold his shares too early and missed a big gain.
他过早卖掉了股票，错过了一大笔收益。


48
Everyone wants to know which stock will rise next.
每个人都想知道下一只上涨的股票是哪个。


49
Smart investors always think about the risks first.
聪明的投资者总是先考虑风险。


50
With time and knowledge, investing can be a great tool.
有了时间和知识，投资可以成为一个很好的工具。


建议练习方式
第一遍先听大意，第二遍结合原文，之后尝试跟读。


关于 OnismGG
本期内容来自 OnismGG「英语听力磨耳朵」。


制作说明
本节目文本及语音由 AI 辅助生成与制作。

B1｜Transfers & payments


本期主题：Transfers & payments
难度：CEFR B1
内容：50 句分级英语听力练习
练习顺序：英文女声 → 英文男声 → 中文 → 英文女声复读


听力原文与翻译


01
I need to send some money to my sister today.
我今天需要给我妹妹转一些钱。


02
You can transfer money online without going to the bank.
你可以在网上转账，不用去银行。


03
The payment goes through in just a few seconds.
付款只需几秒钟就能完成。


04
How much is the fee for an international transfer?
国际转账的手续费是多少？


05
I usually pay my bills using a mobile app.
我通常用手机应用付账单。


06
Please check the account number before you confirm the transfer.
确认转账前请核对账号。


07
He sent me the money through a bank transfer.
他通过银行转账把钱发给了我。


08
My payment was declined because of a wrong password.
我的付款因为密码错误被拒绝了。


09
You can split the bill with your friends in the app.
你可以在应用里和朋友分摊账单。


10
It takes about two days for the money to arrive.
这笔钱大约需要两天才能到账。


11
I forgot my online banking password again.
我又忘记了网上银行的密码。


12
The store only accepts card payments, not cash.
这家店只接受刷卡付款，不收现金。


13
She received a large payment for her new project.
她因为新项目收到了一大笔款项。


14
Can I pay you back next week?
我能下周还你钱吗？


15
The bank charged me a small fee for the transfer.
银行向我收取了一小笔转账费。


16
He owes me fifty dollars from last month.
他上个月欠我五十美元。


17
You should always keep a receipt of your payments.
你应该一直保留付款的收据。


18
Sending money abroad can be expensive and slow.
往国外汇款可能又贵又慢。


19
I set up a monthly transfer to my savings account.
我设置了每月向储蓄账户转账。


20
The money was returned because the details were wrong.
由于信息错误，这笔钱被退回了。


21
Do you prefer to pay by phone or by card?
你更喜欢用手机支付还是刷卡？


22
Our company pays salaries on the last day of the month.
我们公司在每月最后一天发工资。


23
She asked me to transfer the money as soon as possible.
她让我尽快转账。


24
Mobile payments are becoming more popular every year.
移动支付每年都变得越来越流行。


25
I made a mistake and sent the money to the wrong person.
我犯了个错误，把钱转给了错误的人。


26
The seller is waiting for my payment to clear.
卖家正在等我的付款到账。


27
You can cancel the transfer if it hasn't gone through yet.
如果转账还没完成，你可以取消。


28
Please confirm that you have received my payment.
请确认你已经收到了我的付款。


29
He pays his rent by automatic transfer every month.
他每个月通过自动转账付房租。


30
The cashier asked me how I wanted to pay.
收银员问我想怎么付款。


31
I don't like carrying a lot of cash with me.
我不喜欢随身携带大量现金。


32
The transfer limit on my account is quite low.
我账户的转账限额相当低。


33
She paid for the tickets with her credit card.
她用信用卡买了票。


34
It's safer to use a secure connection for online payments.
在线支付时使用安全连接更安全。


35
My friend transferred me the money this morning.
我朋友今天早上把钱转给了我。


36
The company sends payments directly to your bank account.
公司直接把钱汇到你的银行账户。


37
I need to check my balance before I send anything.
在转钱之前我需要查一下余额。


38
Many people now pay with their phones instead of cash.
现在很多人用手机支付而不是现金。


39
The payment failed, so I tried it one more time.
付款失败了，所以我又试了一次。


40
He asked his boss for an early salary payment.
他向老板要求提前发工资。


41
You can use this app to send money to anyone.
你可以用这个应用给任何人转账。


42
I received a text message about a recent payment.
我收到了一条关于近期付款的短信。


43
The bank is closed, so I'll transfer the money tomorrow.
银行关门了，所以我明天再转账。


44
She divided the cost and paid her share online.
她分摊了费用并在线支付了自己那份。


45
Always double-check the amount before sending money.
转账前一定要核对金额。


46
My father taught me how to make a bank transfer.
我父亲教过我如何办理银行转账。


47
The restaurant doesn't take cash, only digital payments.
这家餐厅不收现金，只接受电子支付。


48
He sent the money late, so there was a penalty.
他付款晚了，所以产生了罚款。


49
You can link your card to the payment app easily.
你可以轻松地把银行卡绑定到支付应用上。


50
I finally paid off the money I borrowed last year.
我终于还清了去年借的钱。


建议练习方式
第一遍先听大意，第二遍结合原文，之后尝试跟读。


关于 OnismGG
本期内容来自 OnismGG「英语听力磨耳朵」。


制作说明
本节目文本及语音由 AI 辅助生成与制作。

B1｜Opening a bank account


本期主题：Opening a bank account
难度：CEFR B1
内容：50 句分级英语听力练习
练习顺序：英文女声 → 英文男声 → 中文 → 英文女声复读


听力原文与翻译


01
I need to open a bank account before I start my new job.
我需要在开始新工作之前开一个银行账户。


02
The bank on the corner opens at nine every morning.
街角的银行每天早上九点开门。


03
You usually need an ID card and proof of address.
你通常需要一张身份证和地址证明。


04
She walked into the bank and took a number from the machine.
她走进银行，从机器上取了一个号。


05
There are two main types of accounts: checking and savings.
账户主要有两种类型：支票账户和储蓄账户。


06
A checking account is good for paying bills every month.
支票账户很适合每月支付账单。


07
A savings account helps you keep money for the future.
储蓄账户能帮你为将来存钱。


08
The clerk asked me to fill out a short form.
柜员让我填一张简短的表格。


09
Please write your full name and date of birth here.
请在这里写上你的全名和出生日期。


10
I forgot to bring my passport to the bank today.
我今天忘了带护照去银行。


11
The teller was very friendly and answered all my questions.
柜员非常友好，回答了我所有的问题。


12
Most banks do not charge a fee for a basic account.
大多数银行对基本账户不收取费用。


13
You can deposit money at the counter or at a machine.
你可以在柜台或机器上存钱。


14
My sister opened her first account when she turned eighteen.
我妹妹十八岁时开了她的第一个账户。


15
The bank sent my new card by mail in about a week.
银行大约一周后把我的新卡寄了过来。


16
You should choose a PIN that is easy for you to remember.
你应该选一个容易记住的密码。


17
Never share your password with anyone, even your friends.
绝不要和任何人分享你的密码，即使是朋友。


18
Online banking lets you check your balance at any time.
网上银行让你随时查看余额。


19
I downloaded the bank's app to manage my money easily.
我下载了银行的应用程序，方便管理我的钱。


20
The minimum deposit for this account is only ten dollars.
这个账户的最低存款只要十美元。


21
He waited in line for almost twenty minutes at the bank.
他在银行排队等了将近二十分钟。


22
Could you tell me how long it takes to open an account?
你能告诉我开一个账户需要多长时间吗？


23
The whole process usually takes about thirty minutes.
整个过程通常大约需要三十分钟。


24
Some banks offer special accounts for students and young people.
有些银行为学生和年轻人提供特别账户。


25
A joint account can be shared by two people, like a couple.
联名账户可以由两个人共享，比如一对夫妻。


26
I want to set up direct deposit for my monthly salary.
我想为我的月薪设置直接存款。


27
The bank charges a small fee if you use another bank's machine.
如果你使用其他银行的机器，银行会收取少量费用。


28
She received a welcome letter with all the account details.
她收到了一封包含所有账户信息的欢迎信。


29
You can close your account at any time if you move away.
如果你搬走了，随时可以关闭账户。


30
The interest rate on savings accounts is quite low right now.
目前储蓄账户的利率相当低。


31
I asked the clerk about the different fees and charges.
我向柜员询问了各种费用和收费。


32
Opening an account online is often faster than going in person.
网上开户通常比亲自去银行更快。


33
They need to check your credit history for some accounts.
有些账户他们需要查你的信用记录。


34
The bank gave me a small book to record my transactions.
银行给了我一个小本子来记录我的交易。


35
My parents helped me understand how to manage my first account.
我父母帮我了解了如何管理我的第一个账户。


36
Always keep your bank statements in a safe place at home.
一定要把银行对账单放在家里安全的地方。


37
The cashier counted the money carefully before giving me a receipt.
出纳在给我收据前仔细地数了钱。


38
You can set up automatic payments to avoid missing any bills.
你可以设置自动付款，以免错过任何账单。


39
It is a good idea to review your account every few days.
每隔几天查看一次账户是个好主意。


40
If you lose your card, call the bank right away.
如果你丢了卡，要立刻给银行打电话。


41
The bank has branches in almost every city across the country.
这家银行在全国几乎每个城市都有分行。


42
I chose this bank because it has no monthly service fee.
我选择这家银行是因为它没有月服务费。


43
The manager explained the differences between the two accounts clearly.
经理清楚地解释了两种账户之间的区别。


44
You must be at least eighteen to open an account alone.
你必须年满十八岁才能独自开户。


45
My friend recommended this bank for its excellent customer service.
我朋友推荐这家银行，因为它的客户服务很棒。


46
After signing the papers, I finally had my own account.
签完文件后，我终于有了自己的账户。


47
The first thing I did was deposit my birthday money.
我做的第一件事就是存入我的生日钱。


48
Saving a little each month can really add up over time.
每个月存一点钱，时间长了真的会积少成多。


49
Make sure to read all the terms before you sign anything.
在签任何东西之前，一定要阅读所有条款。


50
Now I feel more confident about handling my own money.
现在我对管理自己的钱更有信心了。


建议练习方式
第一遍先听大意，第二遍结合原文，之后尝试跟读。


关于 OnismGG
本期内容来自 OnismGG「英语听力磨耳朵」。


制作说明
本节目文本及语音由 AI 辅助生成与制作。