07 理財
07 理財 “月光”一族 dialogue ellen often feels short of mohough she has a nice salary. 盡管艾倫收入不菲，但她總是覺得缺錢。 nick: hey, ellen. it's time to get off work. we are going to have diogether. do you want to e along? 尼克：嘿，艾倫，下班了。我們要去吃晚飯，你一起去嗎？ ellen: i'd like to, but i'm really skint this month. 艾倫：我很想去，但是我真的身無分文了。 nick: hmm? our salaries were paid only half a month ago. 尼克：嗯？我們的工資剛發半個月呀。 elle's not talk about it. i'm a typical moonlight . after i got my salary, i had to pay the re out with my friends and go shopping. i didn't even realize that i had made away with my money. 艾倫：別提了。我是個典型的“月光族”。拿到工資后，我要付房租，和朋友吃飯，還要購物。我甚至都沒有意識到錢竟然花光了。 nick: so you mean you often live from paycheck to paycheck? 尼克：你的意思是你經常把每個月的工資花個精光？ ellen: yes. so i have to overdraw my credit card. 艾倫：是啊，因此我不得不透支信用卡。 nick: oh, ellen, i have to say that you must learn how to manage your money, or else you won't fill your stoma the days. 尼克：噢，艾倫，我不得不說你必須要學會理財了，否則剩下的日子你就要食不果腹了。 ellen: i know it. but i always e in an impulsive way. 艾倫：我知道，但是我總是沖動消費。 notes 1. skint [skint] adj. 身無分文的，窮光蛋的 2. moonlight 月光族 3. make away with 攜……而逃；除去，殺死；浪費掉；吃掉 4. paycheck ['peit?ek] n. 薪水支票，工資 5. overdraw ['?uv?'dr?:] v. 透支；夸大 6. impulsive [im'p?lsiv] adj. 沖動的，任性的；n.（引起沖動的）原因 小貼士 怎樣才能不做“月光族”？ 1. save little and often 存小錢，常存錢 2. read personal finance blogs 閱讀個人理財博客 by reading about others' tips and success to adopt good financial habits. 通過閱讀其他人的小技巧和成功經驗學會理財。 3. keep a spending log and savings log 分別建立一個花錢日志和儲蓄日志 4. save towards a specific goal 為自己設立一個具體目標 having a very clear goal in mind make it much easier to save up. 一個非常明確的目標可以讓你的省錢計劃更加易行。 5. automate your savings 自動化你的儲蓄 get your bank to transfer 800 yuan （or 1000 yuan）from your cheg at into a savings at, at the start of each month. 讓你的銀行在每月的第一天自動把支票賬戶里的800元（或1000元）轉到儲蓄賬戶中。 歡歡喜喜去存錢 dialogue on ellen's way to bank, she es across nick. 在去銀行的路上，艾倫碰到了尼克。 nick: hey, ellen. where are you going? 尼克：嘿，艾倫。你要去哪里？ ellen: i'm going to the bank of a. 艾倫：我要去中國銀行。 nick: pay off the overdraft and i of your credit card? 尼克：去還透支的信用卡和利息嗎？ ellen: oh, please don't judge a person by what he used to be. i am going to save some money in my at. 艾倫：噢，請不要拿老眼光看人。我是要在我的賬戶上存些錢。 nick: save money? are you kidding? i don't think you have any moo save. didn't you say you always live from paycheck to paycheck? 尼克：存錢？你開玩笑吧？我覺得你根本沒錢可存。你不是說自己是個月光族嗎？ ellen: yeah, i used to be, but now i am wise in money matters. i began to make a selfrefle two months ago, which helps me curb spending and think twice about each purchase. 艾倫：是的，我以前是，但是現在我很會理財呢。兩個月前我開始自我反省，這讓我在購物時學會了克制，會三思而后行。 nick: i am glad to hear that you have been an expert on money. 尼克：很高興聽到你成了理財專家。 ellen: i opened a saving-at last month to save some money for a rainy day. but i also know we shouldn't work just to save, we also should live life to the full. 艾倫：我上個月開了個儲蓄賬戶，存些錢以備不時之需。但是我也知道我們不應該只為了存錢而工作，我們還應該享受生活。 nick: aha, by the way, how much will you save every month? 尼克：啊哈，順便問一句，你打算每月存多少？ ellen: 2000 yuan per month, maybe even more. 艾倫：一個月2000元，也許會更多。 notes 1. bank of a 中國銀行 2. overdraft ['?uv?dr?ft] n. 透支 3. curb [k?:b] n. 路邊；克制；v. 抑制；勒住 4. for a rainy day 以防不時之需 小貼士 the advantages of saving money everyone must work to live their lives, but many people are fortunate enough to make more mohan they immediately need. what should they do with this remaining i is tempting for people to spend it all on things they desire,but if you have learo manage money matters, it is better to save at least a portion of the extra ine for a rainy day. by saving money, people give themselves more security. you ot predict the future; perhaps one day you will lose your job. at a time like this your savings spare you a great deal of suffering and help bridge you over. in addition,saving money allows people to lay up a larger sum with which you buy something more valuable. for example, you may be able to buy a car with your savings. if you learn to save money, you gain more advantages iure.you will lead a more secure and, thus, happier life. 存錢的好處 每個人都必須工作以求生存，但是有許多人很幸運，能夠賺得比他們需要的還要多的錢。人們應該如何處理這些余下的收入呢？把錢全花在自己想買的東西上是很誘人的，但是如果你學會了理財，你最好至少把一部分的額外收入存起來，以備不時之需。 通過存錢，人們能獲得更多的安全感。未來是無法預測的，或許有一天你會失業。碰到諸如這樣的情況，存款就可以讓你免去許多痛苦，幫助你渡過難關。此外，存錢可以使人積累較多的錢，可以用于買更有價值的東西。例如，我們可以用存款買車子。如果我們學會存錢，未來可以獲得更多的好處。我們將過著更有安全感而且更快樂的生活。 密碼忘記怎取錢 dialogue the dialogue is set in a bank. 對話發生在一家銀行。 bank clerk: good m, what i do for you, sir? 銀行職員：早上好，我能為您做些什么，先生？ jack: good m, i want to withdraw 6000 yuan from this card. 杰克：早上好，我想從這張卡里取6000元。 bank clerk: may i see your bank card,please? 職員：請出示你的銀行卡。 jack: here you are. 杰克：給你。 bank clerk: please input your password and thehe “firmation” button. 職員：請輸入您的密碼并按確認鍵。 jack: oh, i am afraid that i fet my password. maybe i have a try. 杰克：噢，恐怕我忘記密碼了。也許我可以試試。 bank clerk: sorry, your password is wrong. please ree. 職員：對不起，您輸入的密碼錯誤，請重新輸入。 jack: oh! i fet my password. what should i do? 杰克：噢，我忘記密碼了。怎么辦？ bank clerk: in this case, you will have to report the loss of your password and the the password. have you taken your id card with you? 職員：這樣的話，你就得辦理密碼掛失，然后重置密碼。你帶身份證了嗎？ jack: yes, i have. 杰克：是的，我帶了。 bank clerk: don't worry. i will help you soon. please fill out this form first. and write down your name, your at number and your id number. 職員：不用擔心，我可以幫您。請先填一下這張表格。填上您的名字、銀行卡號和身份證號碼。 jack: done! 杰克：填好了！ bank clerk: ok. please wait for a moment. i'll ha soon. 職員：好的。請稍等，我馬上給您辦理。 notes 1. password ['pɑ:sw?:d] n. 口令，密碼 2. report the loss 掛失 小貼士 1. excuse me, i fot the password of my card. 對不起，我忘記卡的密碼了。 2. you have to report loss of the magcard. 你需要辦理磁卡掛失。 3. tell me the depositor's he at number as well as the id number. 請告訴我存款人姓名、賬號及身份證號碼。 4. your card has been locked. please e to the bank to rehe at in five days. 您的卡已經被鎖定了，請5天內到銀行辦理解鎖手續。 5. by the way, are you the depositor of the bank card? 順便問一下，這張卡的存款人是您嗎？ 6. we'll charge you 10 yuan for your report of the loss. 我們要收取10元掛失手續費。 7. if you det your code, you will have to report the loss of your code. 如果您真的忘了密碼，就只能辦理密碼掛失。 你的信用卡透支了嗎 dialogue sue is wearing a frown all m. what happeo her? 蘇整個上午都愁眉不展的，她怎么了？ jane: hey, sue. what's the matter with you?you look terribly distressed and are sighing all the m. 簡：嘿，蘇。你怎么了？一上午都愁眉不展、唉聲嘆氣的？ sue: i received the reminder note from the bank this m. i am in the red of my credit card again. 蘇：我今天早上收到了銀行的催款通知單。我上個月又透支了。 jane: how much did you overdraw? 簡：你透支了多少？ sue: i have already overdrawn 3000 dollars. i have to pay off the overdraft in the end of this month. how do i pay back it? 蘇：透支了3000美元。我必須在月底前還清。我該怎么還??？ jane: how did you overdraw such a large sum of money? you are always free with your money. 簡：你怎么能透支那么多呢？你花錢總是大手大腳的。 sue: but now it's too late frets. what should i do? jane, could i ask you if you're willing to lend me some money? i promise i'll return it as soon as my salary is paid. please! 蘇：現在后悔也晚了呀。怎么辦？簡，你能借我一些錢嗎？我保證一發工資就馬上還你。求你了！ jane: okay. i won't leave you in the lurch. excuse me for calling a spade a spade, you really o learn how to curb spending your money. 簡：好了。我不會棄朋友不顧的。恕我直言，你真的該學學怎樣克制花錢了。 sue: i get it. i promise it won't happen again. 蘇：我知道了。我保證這種事以后不會再發生了。 notes 1. reminder [ri'maind?] n. 提醒物，提示；催單 2. in the red 負債，虧欠 3. leave sb. in the lurch 棄某人于危難之中 4. call a spade a spade 實話實說，直言不諱 小貼士 1. i've never had an overdraft in my life. 我從來不透支。 2. oh, no. my credit card is overdrawn. 哦，糟了。我的信用卡透支了。 3. i took out an overdraft to pay for my new overcoat and shoes. 我透支買了件新大衣和新鞋子。 4. i am in the red this month again. 我這個月又透支了。 5. this bonus will go a long way towards paying my overdraft. 這筆獎金對還清我的透支額將大有幫助。 6. i have been given two credit cards with very high limits. 我有兩張透支額很高的信用卡。 7. by the end of each month my boyfriend's at is always in the red. 每個月的月底，我男朋友的賬戶總是出現透支。 信用卡的種類： credit card 信用卡 affinity card 認同卡 platinum card 白金卡 student card 學生卡 preferred card/gold card 金卡 value card 儲值卡 classic card 普卡 co-branded card 聯名卡 supplementary card 附屬卡 debit card 轉賬卡 atm card 金融卡 charge card 簽賬卡 cash advance card 現金卡 corporate card 商務卡、公司卡 精打細算記賬忙 dialogue it's time to get off work. maggie sees julie being busy at the puter. 該下班了。麥琪看到朱莉還在電腦前忙著。 maggie: hi, julie, it's getting late. why don't you return home? 麥琪：嗨，朱莉，已經很晚了。你怎么還沒回家呢？ julie: i'll leave in a minute. i'm busy with trag my spending now. 朱莉：我過一會兒就走?，F在正忙著記賬呢。 maggie: what? you mean your personal spending? 麥琪：什么？你是說你的個人花費？ julie: yeah, it gives me a rough idea of my money habits as well as iive to start ging them. 朱莉：是的，通過記賬我大概知道了自己花錢的習慣和怎樣改變這些不良習慣。 maggie: isn't it too troublesome? sometimes i even 't remember where my money goes on. 麥琪：那不是很麻煩嗎？有時我甚至不知道錢花哪兒了。 julie: so we need an at book to keep track of every single daily expense.write down the exaumber after each expenditure at once, and then you won't fet it. 朱莉：所以我們才需要一個賬本記錄每次的日常開銷?；ㄥX后馬上記錄下來就不會忘了。 maggie: how long have you kept the habit of rec the expenditure? 麥琪：你記賬的習慣有多久了？ julie: about three months. i find it's very useful to give me a full-oy ched make me know where my money goes. i'll see which the unnecessary expenditure is and then reduce waste. gradually i kickstarted my “spend less, save more” financial plan. 朱莉：大概有3個月了。我發現記賬有利于對賬，讓我知道我的錢花在哪方面了。我會看到哪些是不必要的開支，然后減少浪費。漸漸地，我就開始了“少花錢，多節省”的理財習慣。 maggie: oh, i got it. it sounds not bad. 麥琪：哦，我知道了。這個理財習慣聽起來不錯。 notes 1. rough idea 大致的想法；大體的意思 2. iive [iiv] adj. 刺激的；鼓勵的；n. 刺激；鼓勵；動機 3. at book 賬簿 4. keep track of 跟上……的進展；記錄；保持和……的聯系 5. full-on [ful'?n] adj. 最典型的，最強烈的 6. reality check 現狀核實；提醒人面對現實的事件 7. kick-start ['kik?sta:t] v. 啟動，腳踩發動；n. 起動踏板 8. financial pla 財政計劃，財務計劃 小貼士 you do a better job of keeping track of your money once you find where it's going. is it hard for you to keep track of where your money is going? try online at freat graphing teology that monitors your finances. do you know what online at is? it's a written budget oer. it keeps you on trad gives you a visual representation of your overall financial picture. there are maes such kind of services and even giving you a free credit report. 記賬是個好習慣，你可以通過記賬發現自己的錢花在哪些方面。你是不是覺得記賬很困難呢？你可以嘗試一下網上記賬，它能夠提供管理財務的強大制圖技術。什么是網上記賬？它是寫在網絡上的財務預算，使你能夠對自身的財務狀況有一個非常直觀的認識?，F在有很多網站都提供這樣的服務，甚至還提供免費的信用報告。 繁瑣的貸款 dialogue karl wants to buy a car but his money is not enough, so he decides to ask the bank for help. 卡爾想買一輛車，但他的錢不夠，所以他決定求助于銀行。 bank clerk: good m, sir. what i do for you? 銀行職員：早上好，先生。您需要辦理什么業務？ karl: i want to borrow two huhousand yuan. does your bank have such loan plan? 卡爾：我想貸20萬元。請問貴行有這類貸款計劃嗎？ bank clerk: oh, yes. you tell me what would you like to use it for? 銀行職員：哦，有的。能告訴我你貸款是做什么用嗎？ karl: i want to buy a car to facilitate my life,but i don't have enough money. 卡爾：我想買輛車以方便生活，但是我現在還沒有足夠的錢。 bank clerk: i see. would you mind telling me your monthly or annual salary? 銀行職員：我知道了。能告訴我您的月薪或者年薪是多少嗎？ karl: my annual salary is 100 000 yuan. by the way, what about the i rate? 卡爾：我的年薪是10萬元。順便問一下，利率是多少??？ bank clerk: it depends how long you'll pay off the loan. 銀行職員：這取決于你的還款年限。 karl: what if i choose to clear off it in 5 years? 卡爾：假如我打算5年還清呢？ bank clerk: it's 6.45 % for five-year loan. ok, sir. we'll sider supplying you a loan. please fill out this loan application first and bring the material about your ine and credit ratiime. 銀行職員：5年貸款利率是6.45%。好的，先生，我們會考慮貸款給您的。請先填寫這份貸款申請表，下次來時請帶上與您的收入和信用等級相關的材料。 karl: ok, i will. thank you. 卡爾：好的，我會的。謝謝。 bank clerk: my pleasure. 銀行職員：很樂意為您效勞。 notes 1. facilitate[f?'siliteit] v. 使變得（更）容易，使便利 2. annual salary年薪 3. credit rating信用評級 小貼士 貸款程序簡述： 1. acceptance 受理 2. primary auditing 初審 3. appraisal 評估 4. checkup and approval 審查審批 5. joint assessment 聯合評審 6. granting loan 發放貸款