January 25, 2006
Dear Harry,
Last fall you borrowed US$6,000 from me with the understanding that you would pay it back at the end of the year. But it is nearly February and I have yet to hear from you. I hope I am correct to presume that you have merely been delayed in repaying me.
Let me add that I am not really concerned about the interest you promised me. But I hope you can at least pay back the principal. If you are having financial difficulties, you can return the money in installments, but I would like to have it all by the end of June at the latest, and at least half of it by the end of February. I would like to give you more time, but I need the money myself.
Sincerely,
Timothy White
亲爱的哈利：
去年秋天你向我借六千元美金，并约定在年底还我钱。但现在已将近二月了，我还没有你的讯息。我猜你只是延缓还我钱，希望我的猜测是正确的。
让我补充说明一下，我并不是真的在乎你答应要给我的利息。但我希望你至少还我本金。如果你有财务上的困难，可以分期付款还钱，不过我想最迟在六月底要还我全部的钱，而在二月底前则至少还我一半的钱。我本想给你更多的时间才还我钱，但我自己却须要用钱。
提摩西‧怀特 敬上
2006年1月25日
字词解释：
1.fall 秋天
=autumn
2.borrow 借用
borrow sth from sb 向某人借某物
例：mr carter borrow a hammer from his neighbor.
卡特先生从邻居那里借了一只铁锤。
3.understanding 约定，契约，谅解
4.presume 推测
presume+that从句 推测
5.merely 仅，只
6.delay 延缓，耽搁
例：You shouldn't delay sending off your application for graduate school.
你不可延迟寄出研究所的申请书。
7.repay 偿还
动词三态：repay，repaid,repaid。
8.principal 本金
9.financial 财务上的
10.installment 分期付款
in installment 以分期付款方式
