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HousingVocabulary:Financial crisis 金融危机Real estate 房地产Bankloan：银行贷款increasing (falling) price 涨（降）价Mortgage 抵押贷款pay by installment 分期付款Down payment 首付guarantor：担保人Housing problem is one of the biggest problems of people. We often say: clothing, food, accomodation, and transportation are the most important factors in our lives, accommodation means housing. People need a shelter from rain and snow, to raise their families. Rich people may buy big houses or even villas for a luxurious living, while poor people may only have a small shelter for survival.Nowadays, because of the financial crisis, many people, especially young people could not find a good job, not to say to buy a beautiful house, so housing problem is becoming more and more serious. However, there is also a bright side of financial crisis, which is that the housing price has been dropping. At the ame time, the government made special policy for bankloans. In order to buy a house, young people canFacing with the housing problem, most people believe that, for their limited income, it is beyond their consideration, but other people consider it differently. They claim that, in spite of the high consumption of housing, if also indicates economy’s continuous development in our country.But what causes so many people to complain about housing problem? Reasons are listed as following. To begin with, it is largely due to real estate company’s engaging in land speculation greatly. Moreover, now people in growing numbers are beginning to realize pre-consuming. They can loan form the banks to afford houses. And later they have to pay back gradually. What they have done stimulates estate business fierce competition and results in increasing prices of houses.From what has been discussed above, I, along with most people, thick that government should place emphasis on the development of housing problems, and exercise macro-control positively for it. Only by doing this can housing problems be eased and only through government’s effective supervision do many people have chances to consider it in a new way according to their own abilities.Housing ProblemWith the increase of China's population, housing problems are becoming more and more apparent. Many people complain that their houses are too small to live in, and we can see in some pool families, six or seven family members live in one room. Therefore, the living conditions can't meet their-needs.There are many difficulties in solving housing problems. First, it's impossible to put all the space into building houses. Secondly, the population of China increases year by year and with the improvement of our living standard, we need more room to relax ourselves in.Various solutions have been put forwvard. I think the most important and efficient way is to control the population.Also, we can build more high buildings to provide more living space. I believe the housing problems will be solved.serious housing problemIn recent years, the house price national wide has sharply been raising.Even in some area such as Beijing ,Shang hai,Shenzhen,etc,the price of house has been out of propotion to average income of people.As a result, young people who can not earn more than 10000 yuan money per month can't afford house loan at all. Mybe the rule of demand and supply is primary disipline in maket-oriented economy,but the current phenomenon is actully caused only by the rule. Governon's fail to control the excecive price is the main reason. As a result, the real estate industry become a monoply and finally make a large of money that people earn hardly flow into land agent and specultor'pocket. Our country is socialistic country.So the industry about people daily lift shoud not be huge-profit industry.The penomenon ,wich can still stick to exist and even appear the tendency of raising adequately prove our governor'seffort to be not enough.Maybe The Short Term Solution is TaxationShort term, real estate speculation can be stopped dead in the tracks by increased taxation. For example, if there is a 50% tax on capital gains in real estate and on transfer of shares in companies which major assets are real estate, then the speculation will die down overnite. If the tax revenues from the real estate industry is specifically earmarked for developing affordable housing, then it would be like having the speculators finance affordable housing, which is fitting.But then of course the banks would probably be stuck with another new round of bad debt problems. Real estate speculation could never have happened if the banks did not loan the money in the first place.China is a developing nation in the world. Therefore, our government must pay close attention to improving the living standard. The current policy of house management will harm the living standard albeit it buttress the growth of GDP.As a developing nation, mainland is learning the old model of Japan developing. In fact, the current government can not slove chinese problem by imitating the old model of develping. The current policy of house management will lead to the disparity between the rich and the poor. It will boost the development of corruption and malversation.Therefore, it can not efface the negative impact albeit current government uses copious measures to curb the house price. New policy will vitiate the interest of monopoly. Therefore, it can not bring true advantage to mediocre people.Housing slump hits Shanghai ownersBy Chris HoggBBC News, ShanghaiIn Britain and the United States the fall in house prices has been one of the main reasons many people are feeling poorer in the financial downturn.In China homeowners are feeling the pinch too. House prices have been falling here since last summer.Some analysts warn that in big cities like Shanghai they could fall by 50% from their peak.But for many Chinese homeowners this is the very first time they have ever experienced the pressures of negative equity and falling prices, so young is the market.In a Shanghai suburb, young saleswoman Yu Bei shows visitors around a new apartment.She has discarded her hard hat, and her shoes are wrapped in plastic bags. Inside the newly-decorated apartment it is immaculate, but outside it is a building site.Eleven towers are under construction on this housing estate. Thirty-six have been finished already.It appears to be a massive undertaking, but these flats are just some of the 30 million new apartments being built in China at the moment.It is a mass market, but the prices are not affordable for the masses."The square metre price in most cities is about three times the monthly salary," says Andy Tsieh, a freelance economist. "It's too high by international standards. In Shanghai it's four times."He argues that with such a high price it is impossible to have a mass market. The volume of supply is simply too great at the moment."Developers have to cut prices," he says, "and they don't have enough room to do that in the current economic climate."Job offersOn one project, developers came up with an enterprising solution to try to get sales moving. For a month they promised anyone who bought one of their apartments a job.Zhang Tao, the firm's deputy general manager, says it was a genuine offer."If you bought an apartment during that period, and you wanted a job we would offer you one," he explained."There were conditions of course, you had to be a suitable applicant. But we had all sorts of jobs, high-end and low-end. We offered the job to the person who bought the apartment, or to his friends and relatives, so that way the 'offer' could be guaranteed."Zhang Tao insists that his company's unusual "buy a place and work for us" offer was a clever marketing ruse - not a reflection of how bad the market is right now. In truth it is hard to tell though.The problem is, there are very few transactions taking place, especially in what is known as the secondary market, where people are selling homes they already own.Wang Yi Qing bought her apartment as an investment property last October not far off the peak of the market.It is in an industrial area where lots of people have lost their jobs recently. That has made it hard to rent out, so it is empty. She would prefer to sell it but she would lose a lot of money."It's huge pressure for our generation," she complained. "I'm really feeling it."She does not know what she is going to do next."It's hard to predict the future," she said. "When prices were high people thought they would go up and up, and now people think they will keep falling. The market's not at the bottom yet. It's really difficult to tell what's going to happen."More painIn mature markets people are used to the cycles of property prices. Here it is different.The market is quite immature, so women like Miss Wang are dealing with these pressures for the first time. She is the first person in her family ever to own property.James McDonald from the real estate firm Savilles' Shanghai office says that lack of experience makes the current situation deeply unsettling for those trying to work out whether to get in to the market."Chinese citizens haven't seen anything like this before. In Shanghai we saw property prices rising 40-50% in 2007. We are looking at a correction for those times. People do not know where the true value of certain properties are so they just hold off buying properties at the moment."They are still building new homes across this city, even as prices continue to fall.Building new homes is labour intensive and so creates lots of jobs - more important now than ever as the economy slows here. But China does not need a bigger property market. It needs a healthier property market.Incomes will have to rise here considerably, and prices will have to fall a long way before homes become more affordable, before the property market here starts to look more like that in other countriesHome and FamilyHousechore: clean the house; wash the dishes; wash clothes; cooking; shopping for daily necessities; take care of the children;Boring; dirty and tiring; no reward; no energy to do housechores; it’s housewives’ job;Relatives and friends;Family members; family reunionEast or west, home is the best;There is no place like home;Home is the horbour of our life;Who Does Housework?How many men do housework? Recently, some European researchers tried to find out people’s ideas and reactions to the women’s movement.As part of their survey,they asked many men and women the queastion.”Who does the houeswork”The men answered very differently from the women.The housework they asked people about was:preparing meals,washing dishes,cleaning the house and baby-sitting. 48% of British husbands said they did these kinds of housework. 37% of Danish men helped in the house. 15% of ltalian men said they did housework.But there was an interesting point of view from the wives. According to British wives,only 38% of their husband help in the house.And ltalian wives complained that their husbands hardly ever help.The ltalian and British men did not tell the truth! The researchers found that Danish men were most honest husbands ;their answers were the same as their wive’s.Social RelationsIndifference; coldness; refuse to help others; more and more crimes of many kinds; social phenomenon; pickpocket; talk to strangers; neighbourhood relation;Public relation is very crucial for future success.Relation with boss, colleagues, classmates; friends and relatives;What is social interaction and what are basic social relations?Social interaction1is the process2bywhich people act toward other people orrespond to other people. Social relationssimply refer to interpersonal relations,that is, a relationship between people, ormore specificlly,3 a relationship between individuals4who belong to a group, a relationship between groups of people, or a relationship between an individual and a group of people. Or we can say that social relations refer to social interactions between two or more people 1社会交往2过程3或者说得更具体一点4any one human being个人，个体and each person has a social position5and performs a social role. These relations are regulated by social norms.6We have various sorts of social relations. The basic social relations are business relations, that is, the relationship between the buyer and the seller. We have family relations, that is, the relationship between parents and children. We have marital7relationship, that is, the relation between wife and husband; we have international relations, that is, the relationship between countries. We have labor-management relationship8, doctor-patient relationship and teacher-student relationship. We have relationships between classmates, between colleagues, between neighbors, and so on.Why is it important and necessary for us to improve our relationship with others?Well, I think healthy social relations are very important for us to lead a happy life, as we have to interact with different people. For example, if we have a good relationship with our colleagues9, it will be easier for us to get our job done and we will improve performance10and it will also make our time at work more enjoyable. If we have a good relationship with our boss, it will be easier for us to get promoted11and accordingly we can get higher pay. If we have a good relationship with our family members, the whole family will be very happy. If members of the society have a good relationship, the society will be in harmony.Conflicts12among family members, neighbors, colleagues or classmates will affect13our mood. So in our daily life, we should get along well with all around us. We should be on good terms with anyone who interacts with us. Having a good relationship with others is really beneficial to us. The inability14to deal with others and the inability to create lasting good relationships will affect the quality of our life. No one would like to live with conflicts, quarrels or fights all around.What should we do to improve our relationship with others?We should keep it in mind that in order to improve our relationship with others, the first thing we should do is to learn to accept and respect our individualdifferences15. When we accept and respect individualdifferences we get along better with others and feel betterabout ourselves. We should know that trying to make other5社会职务6社会准则对这些关系加以规范。