Joe 剛介紹Bob 給他的朋友Nelson認識，他們準備前往吃晩飯。
Joe: 我們去哪裡食晩飯？Nelson，有沒有任何好推介？
Nelson: 沒有，我有一陣子沒有外出吃飯了。任何地方也可以，只要不是太貴。
Joe: 這樣不像你，Nelson。你以前經常外出吃飯的，也從不介意花多少錢，我以為你的工資不錯的。
Nelson: 現在情況不一樣了，我數月前買了樓，現在超過一半的月薪用來供樓，所以我不會花錢在冇必要的東西上，我知道現在很多人都跟我一樣。
Joe: 唔，我想這樣對整體經濟不太好，花錢的人少了很多。
Bob: 那麼，你要多久才把樓供完？
Nelson: 二十年！
Bob: 嘩，這眞是一個負擔，我無意冒犯你，但如果再有另一個金融危機而你又失去工作，那麼……
Nelson: 我不知道，我沒有想到那麼長遠。
Bob: 為何澳門的地產價格這麼高呢？
Joe: 我猜是與外地炒家有關。
Nelson: 正是呀，有些人認為地產價格是由其市場的供求所控制，但問題是現在的地產價格再不單是由本地居民的供求來調節，而且也有一些富有的外地炒家加入市場，改變了遊戲規則。
Joe has just introduced Bob to his friend, Nelson. They are heading to dinner now.
Joe: So, where are we going to eat？ Nelson, Any good recommendation？
Nelson: Not really. I haven't eaten out for a while. Any place is fine with me as long as it's not too expensive.
Joe: That's not like you, Nelson. You used to eat out a lot and you never cared about how much you spent. I thought your job paid you pretty well.
Nelson: Things are different now. I bought an apartment a few months ago, and now over half of my monthly salary goes to the mortgage payment. That's why I won't spend any money on unnecessary things. I know a lot of people are just like me these days.
Joe: Hmm, I guess this is not very good for the economy in general; a lot less people are spending money.
Bob: So, how long does it take you to pay off the mortgage？
Nelson: Twenty years！
Bob: Wow, that's really a burden. I mean no offence, but what if there is another financial crisis and you lose your job？ Then…
Nelson: I don't know. I haven't thought that far.
Bob: Why are the real estate prices so high in Macao？
Joe: I guess it has to do with the foreign speculators.
Nelson: Exactly. Some think that the real estate prices are controlled by the supply and demand of its market, but the problem now is that it's no longer just the local residents' supply and demand regulating the prices, but also wealthy foreign speculators, changing the rules of the game.
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