*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*
*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*
*x*                                                                     *x*
*x*            Copyright (C) 1995 University of Pennsylvania            *x*
*x*                                                                     *x*
*x*    The data in this file are part of a preliminary version of the   *x*
*x*    Penn Treebank Corpus and should not be redistributed.  Any       *x*
*x*    research using this corpus or based on it should acknowledge     *x*
*x*    that fact, as well as the preliminary nature of the corpus.      *x*
*x*                                                                     *x*
*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*
*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*


FILENAME:	2022_1138_1107
TOPIC#:		357
DATE:		910306
TRANSCRIBER:	csw
UTT_CODER:      mmab
DIFFICULTY:	1
TOPICALITY:	1
NATURALNESS:	1
ECHO_FROM_B:	3
ECHO_FROM_A:	3
STATIC_ON_A:	1
STATIC_ON_B:	1
BACKGROUND_A:	4
BACKGROUND_B:	4
REMARKS:	Children talking and baby crying throughout entire tape.

==========================================================================
  

o          A.1 utt1:  Okay,  /
%          A.1 utt2: {C so, } {F um, } - /
%          A.1 utt3: yes  /
sd          A.1 utt4: [ we do keep, +  {F uh, } {D well }  we started out keeping ] a budget about two years, ago,  /
sd          A.1 utt5: we have a computer, here at the house, /  

b          B.2 utt1:  Uh-huh. /  

sd          A.3 utt1:  {C and } I made a Lotus spreadsheet and went through the  year using all of [ our, + our ] checkbook to figure out what we spent  each time and whether we were over or under for each month  /
sd          A.3 utt2: {C and then } basically since then  what I've done [ is, + is ] keep track of it through the checkbook  /
sd          A.3 utt3:  {C so } that based on [ whatever we've got coming in, + the check coming in, ] <child_talking> then how much I'm spending each half of the month and then trying to also spe-, - /
sd          A.3 utt4:  because our house payment is once a month,  /
sd          A.3 utt5: that's [ our, + our ] biggest, {F uh, }  expense  /
sd          A.3 utt6: {C so } I take half of that amount out of my checkbook [ each, +  with each ] paycheck,   

b          B.4 utt1:  Uh-huh. /  

+          A.5 utt1:  even thought it's really still there,   

b          B.6 utt1:  Uh-huh. /  

+          A.7 utt1:  so that I can keep, {F uh, } {F uh, } good balance,   

b          B.8 utt1:  A running total. /  

+          A.9 utt1:  a running total, {D yeah } through the month, /  

b          B.10 utt1:  Yeah. /  

qo          A.11 utt1:  What do you all do? /  

sd          B.12 utt1:  {F Uh, } [ we've, + we've, ] {F uh, } taken how  much we have, {D you know, } write down how much we have coming in each month  /
%          B.12 utt2: {C and then, } {F uh, } we've, - /
sd          B.12 utt3:  at the beginning of the year we sat down and determined how much we could spend.  /
sd          B.12 utt4:  We [ sat dow-, +   made up ] different accounts {D like, } {D you know, }  /
sd          B.12 utt5: we've set a budget for each, {D you know, } household expenses, or food, and clothing and entertainment   and then [ our, + our ] own fun money and just stuff like that  /
sd          B.12 utt6: {C and then } we write down  [ each, + each ] time we spend something, we write down in a book  /
sd          B.12 utt7: {C and } at the end of  the month we tally it up to see how close we, {D you know } - /
sd          B.12 utt8:  [ we, + we ] try to stay within a certain budget,  /
%          B.12 utt9: {C so. } -/  

qy          A.13 utt1:  [ Is it, + is it ] hard to keep track of it  /
qrr          A.13 utt2: {C or } does it   work out pretty well? /  

sd          B.14 utt1:  {F Um, } [ it takes some, + it takes some ] dedication  to do it,  /
sd          B.14 utt2: {C but } [ it, + it ] works out real well,  /
%          B.14 utt3: {C so. } -/  

qy^d          A.15 utt1:  [ {C And, } + {C and } ] you're staying within your  budget and [ keep-, + ]   

b          B.16 utt1:  Uh-huh. /  

+          A.17 utt1:  everything is working pretty good. /  

ny          B.18 utt1:  Yeah,  /
ny^r          B.18 utt2: yeah,  /
sd^e          B.18 utt3: [ I stay wi-, + I have to stay within ]  it,  /
%          B.18 utt4: {C so } I,  {D you know, } - /
%          B.18 utt5: {C and then } we have that, {D you know, } - /
sd          B.18 utt6: [ if you can't stay, +  if something comes up and you can't stay ] within it then we have, {F uh, } {D you know, }  a budget for, {D you know, } {D like }  we call our slush fund or something  /
sv          B.18 utt7: {C and }  some-,  an unexpected comes up, then [ you're not, + {D you know, }  you don't ] feel it so strapped. /  

bf          A.19 utt1:  You don't have to go out and borrow it  somewhere and do that. /  

aa          B.20 utt1:  Right,  /
aa          B.20 utt2: yeah,  /
sd          B.20 utt3: {C because } [ we don't, + {D you know, } we don't ]  charge anything that we can't pay off by the end of the month. /  

ba          A.21 utt1:  That's a good choice,  /
sd          A.21 utt2: [ we've been trying, + we're trying ]  to, {F uh, } do that this year.  /
sd          A.21 utt3:  We've budgeted the money  that [ we used to spend, +  we were spending ] on a (( CODA ))  account with T I and then money we were also  buying stock with for that year,  /
sd          A.21 utt4: we've taken that this year,   

t3          B.22 utt1:  <<Talking to someone else in the room>>  You've got paper under your table. /  

+          A.23 utt1:  and said we're going to pay off all of our  credit cards  /
sd          A.23 utt2: {C and, }  {F uh, }   

b          B.24 utt1:  Uh-huh. /  

+          A.25 utt1:  we have, {F uh, } another loan with the bank, /  

b          B.26 utt1:  Uh-huh. /  

sd          A.27 utt1:  {C and so } we hope by the end of this year,   

^2          B.28 utt1:  To be out of that. /  

+          A.29 utt1:  that by doing that we'll be free,    

b^m          B.30 utt1:  Free. /  

+          A.31 utt1:  and clear. /  

b          B.32 utt1:  Yeah,  /
sd          B.32 utt2: the only thing we have,  it to pay off [ is our, + is a ] automobile loan and our house payment,  /
sd          B.32 utt3: {C and } that's the only thing we ever, -/  

ba          A.33 utt1:  That's good to be in that kind of shape. /  

sd          B.34 utt1:  We try to stay out of debt <child>. /  

qw          A.35 utt1:  What are you all trying to do long term. /  

^h          B.36 utt1:  {F Huh. }  {F Oh } it's long term.  /
%          B.36 utt2:   We just, - /
sd          B.36 utt3: [ he ha-, +  {D you know, } his ] retirement plan and then to  (( CODA ))  and stuff like that, that's all we, - /
sd          B.36 utt4:  {C and } {D you know, } we just have our life insurance for right now. /  

b          A.37 utt1:  Uh-huh. /  

sd          B.38 utt1:  {C So, } we don't have any long term, {D you know, }  in stocks, or anything like that right now,  /
%          B.38 utt2: {C so. } -/  

b          A.39 utt1:  Yeah,  /
sd          A.39 utt2: mostly what [ [ we're doing, +   we've worked, ] +  we've done ] the, {F uh, }  (( CODA )) account with T I where [ they, + we ] put in so much a month,  /
sd          A.39 utt3:  [ {C and then } they, + {A or so much a pay check }   {C and then } they ] match it. /  

b          B.40 utt1:  Yeah,  /
sd          B.40 utt2: that's what we're doing. /  

sd          A.41 utt1:  {C So } [ that's, + that's ] worked out  pretty good  /
sd          A.41 utt2: {C and then, } I used to work for T I  /
%          A.41 utt3: {C and } I have, - /
sd          A.41 utt4: when I retired from there, or left,  I took the money [ I + that I ] had in mine and put it in an I R A  /
sd          A.41 utt5: {C and } [ we had an out, +  we had an ] existing I R A  /
sd          A.41 utt6: {C so }  [ we have, + both of us have ] some money in an I R A  that we're also trying to figure, - /
sd          A.41 utt7: [ to, put it, +  we're putting it ] in C D's right now, /  

b          B.42 utt1:  Uh-huh. /  

sd          A.43 utt1:  {C and then } we're # also looking at it in possibly  getting a mutual fund. # /  

b          B.44 utt1:  # Yeah,  /
sd          B.44 utt2: when ever we get enough saved #  we stick it in a C D for a while  /
sd          B.44 utt3:  [ {C and, then, } + {F uh, } {D you know } {C and then } ] [ when, +   if ] we need it we wait until [ it, + it's ] expired  /
%          B.44 utt4: [ {C and then } + {C so, } ] -/  

b          A.45 utt1:  Yeah.  /
sd          A.45 utt2:  The other thing that we've done, [ that, + that ]  was really nice to see, we had one of the financial companies, {F um, }  /
sd          A.45 utt3: [ han-, + {F uh, } John Hancock ] company came out  /
sd          A.45 utt4: {C and } their agent did a long term analysis based on  salary and, {F uh, } [ what we were pla-,  + [ what, + what ] our, {F uh, } goals were ] on a  long term budget in terms of retirement, kids college, paying off the house, buying a different house,   

b          B.46 utt1:  Uh-huh. /  

+          A.47 utt1:  {F um, } special thing, buying land and building our own  house  /
sd          A.47 utt2: {C and } they did an analysis for us based on what we were putting in and the time frame that we wanted to look at,   

b          B.48 utt1:  Uh-huh. /  

+          A.49 utt1:  and then gave us [ a good idea back, + {D you know, }  some good information back ] on whether or not we were going to achieve those goals,   

^2          B.50 utt1:   or not,  /
%          B.50 utt2: yeah. /  

+          A.51 utt1:  [ and, +  or ] not, and what we needed to do so that  we could achieve them and  the money we could put in at what time. /  

b          B.52 utt1:  Uh-huh.  /
ba          B.52 utt2:  That sounds interesting,  /
sd          B.52 utt3: we've  never done any-, - /
%          B.52 utt4: we have, - /
sd          B.52 utt5: {D you know, } [ just our, + our ] life insurance guy has come out,  {D you know, }  /
sd          B.52 utt6: {C and } he's [ set up, + {F uh, } {D you know, } determined ] how much [ we need to, +  {D you know, } we need if ] something were to happen. /  

b          A.53 utt1:  Yeah,  /
sd          A.53 utt2: [ that, + that's ] the other financial thing  I guess that we've done is with our life insurance is, since I'm at home now [ is, + is ]  figuring out, {F uh, } what we would need if something happened to my husband, or what he would need if something happened to me,  /
sv          A.53 utt3: that's [ a, + a ] big thing to think about. /  

aa          B.54 utt1:  Right,  /
aa          B.54 utt2: yeah,  {D you know, }  /
%          B.54 utt3:  if, I would sell the, {D you know, } - /
sd          B.54 utt4: if, [ he, + ]  something would happen to him, I wouldn't stay in Texas,  /
sd          B.54 utt5:  I would, {F uh, } sell the house and  move back home, {D you know, } to my home town,  /
sd          B.54 utt6: [ {C and, } + {C and, } ]  {F uh, } I wouldn't stay here in Texas,  /
sd          B.54 utt7: {C so } {D you know, } I don't know what he would do. /  

b          A.55 utt1:  Okay,  /
sd          A.55 utt2: I guess that's most of my, {F um, }  financial plans right now. /  

b          B.56 utt1:  Yeah  /
sd          B.56 utt2: mine too. /  

qy          A.57 utt1:  [ Is, + is ] there anything you'd like to add? /  

nn          B.58 utt1:  No,  /
sd^e          B.58 utt2: that's about all for mine. /  

fc          A.59 utt1:  {D Well } it's been nice talking to you. /  

fc^m          B.60 utt1:  Nice talking to you too. /  

fc          A.61 utt1:  Bye, bye </baby>. /  

fc^m          B.62 utt1:  Bye, bye. / 
