请大家帮忙翻译下。。。非常感谢谢！！！！！！！
美国人早已经习惯了贷款消费，而中国人大多习惯于存款消费。有这样一个故事讲到中美两国人在消费观念上的不同，说是一个中国老太太和一个美国老太太在天堂相遇，谈起了在人间的一生。美国老太太说：“我辛苦了三十年，终于把住房贷款都还清了。”中国老太太说：“我辛苦了三十年，终于攒够了买房的钱。”美国老太太在自己买的房子里住了三十年，后半生都在还款；而中国老太太后半生一直在存款攒钱，刚攒够了买房的钱，却去了天堂，无福享受自己买的新房。
这个故事经常被人讲述，用来说明美国人的消费观优于中国人；美国人超前消费，享受人生；而中国人辛苦一辈子，却不懂得享受或者来不及享受。故事有时也被一些学者提起，作为中西文化比较的范例。
听完这个完整的故事，我们才能够正确看待中美文化观念中消费观念的差异，以及与此相关的家庭伦理和社会价值观念的差异。美国老太太贷款住上了自己的房子，享受了人生；中国老太太也有新房子住，也能享受人生，只是她住的是母亲留下的新房子(见前传部分)。从祖孙三代的连续性来看，美国人的三代是“自己管自己”，“儿孙自有儿孙福”；中国人的三代是“前人栽树，后人乘凉”。
于是，美国人在用餐前要祷告：“感谢主，赐我衣，赐我食。”中国人在用餐前，在祖先灵位前点上一炷香，烧几张纸钱，供上热腾腾的饭食，然后自己用餐。美国人感恩(上帝之恩)，因为自古及今，上帝是惟一的，他给每个人赐福，所以美国人崇尚公平；中国人尊祖，因为祖先给自己的子孙赐福，“祖先”是一个不断增加的序列，包括活着的人，将来也会成为这个序列中的一分子，所以中国人崇尚伦理亲情。中西消费观念的差别取决于传统文化和伦理价值的差别，随着中西文化的交流和融合，中国人在为子孙积聚财富的同时，也会接受贷款消费，美国人也将会更注重亲情伦理的价值。
谢谢谢谢谢谢！！！！！！

The American had been early already used to the loan expense, but the Chinese mostly is accustomed to the deposit expense. Some this kind of story talks about the Sino-US person's in expense idea difference, said that was a Chinese old woman and an American old woman meets in the heaven, mentioned in world life. American old woman said: “my laborious 30 years, have paid finally off the mortgage.”Chinese old woman said: “my laborious 30 years, accumulated finally have sufficed the money which purchases homes.”American old woman buys in oneself in the house has lived for 30 years, the latter half of one's life in the repayments; But Chinese old woman the latter half of one's life has contributed money in the deposit, just accumulated has sufficed the money which purchases homes, actually has gone to the heaven, enjoys the new home which without the luck oneself buy.
This story was narrated frequently by the human that uses for to explain American's attitude toward consumption surpasses the Chinese; The American runahead consumption, enjoys the life; But Chinese laborious for a lifetime, actually did not understand that enjoys or enjoys without enough time. Sometimes the story is also mentioned by some scholars, takes China and the West culture comparison the model.
Listens to this complete story, we only then can regard in the Sino-US culture idea to expend the idea correctly the difference, as well as with this related family ethics and social value difference. American old woman loaned her house, has enjoyed the life; Chinese old woman also has the new house to live, can also enjoy the life, only what is she lives before is the mother leaves behind the new house (to see, passes on part). Looking from three generations' continuity, American's three generations is “manages itself”, “the descendant innate descendant luck”; Chinese's three generations are “the predecessor plant trees, the posterity enjoys the cool air”.
Therefore, the American wants to pray before dining: “thanks host, bestows my clothes, bestows me to eat.”As soon as the Chinese before dining, lights before the ancestor spirit tablet burns a joss stick, burns several paper moneys, for the steaming hot food, then dines. The American feels grateful (graciousness of the God), because and now, God was since old times only, he gives each person to bestow the luck, therefore the American advocates fairly; Chinese grandfather, because the ancestor bestows the luck for own descendants, “the ancestor” is the sequence which increases unceasingly, including is living human, will become in the future also in this sequence a member, therefore the Chinese will advocate ethics dear ones. China and the West expense idea's difference is decided by the traditional culture and ethics value difference, along with China and the West culture exchange and fusion, Chinese while agglomerates the wealth for the descendants, also will accept the loan to expend, the American will also pay great attention the dear ones ethics the value.