When you buy a house, you borrow the money and you pay it back in fixed-- it would usually be monthly, but let's say annual payments.

当你买了一座房子,你贷了些款,然后你在一定的时间内偿还一部分,一般来说都是按月来算的,但是假设我们是按年支付的

耶鲁公开课 - 金融市场课程节选

And she actually sent me a teddy bear from FAO Schwarz in New York.

姨妈在纽约的FAO Schwarz买了泰迪熊，然后送给我了。

FAO Schwarz的回忆 - SpeakingMax英语口语达人