Introduction

Do you worry about your standard of living when you retire? How much money do you need to live the life you desire? How much money is enough money? These questions got Neil and Rob thinking as they talk about financial planning and teach you money-related vocabulary.

Transcript:

Neil

Hello, and welcome to 6 Minute English. I'm Neil.??

Rob

And I'm Rob.?

Neil

In this programme we're talking about finance and in particular planning for our future lifestyles.?

Rob

I can barely afford my current lifestyle!?

Neil

Same here, but perhaps we’ll pick up some good tips today. Before that though, a question. Being a millionaire may be an impossible dream for most of us, but when was the word first used in English? Was it:

a) 1600s

b) 1700s, or

c) 1800s

What do you think, Rob??

Rob

I’m going to guess that it’s the 1600s as there have always been very wealthy people.?

Neil

Well, I’ll reveal the answer later. Now, the BBC Money Box programme covers all sorts of financial features. Recently they were talking about lifestyle financial planning, which is planning your finances to meet the kind of lifestyle you want to have. Julie Lord leads a financial planning organisation and she talked about the process of lifestyle financial planning. How many numbers does she say you need to start with??

Julie Lord

Well, we would start by saying that we need to put together a lifetime?cashflow forecast?or a model. You just need four numbers: your?income, your?expenditure,?assets,?liabilities?and then we project forward to show you what sort of lifestyle you will have if you do nothing at all and if indeed you do some of the things that - perhaps an ISA or a pension or any other kind of financial product - might help you with.?

Neil?

So how many numbers do you need??

Rob

She says that you start with just four numbers.?

Neil

That’s right. The first of these numbers is your?income, this is the money that you have coming in, your salary, for example.?

Rob

Then there is the number for your?expenditure. This is the money you have going out for rent, food, entertainment, transport and so on.?

Neil

The next number was for?assets. This is the cash value of things that you own. For example property, cars, jewellery as well as savings and investments, that kind of thing.?

Rob

And finally there is?liabilities. This is the money that you owe, for example on credit cards or loans.?

Neil

So if you know these details, she says they can come up with a lifetime?cashflow forecast, which is a calculation of how much money you can expect to have in the future and if that is enough to meet your expectations. Do you have those details? Do you know your numbers, Rob??

Rob

I have a very detailed spreadsheet where I do list my?income?and?expenditure. So I do know from month to month how much money I need and how much I can spend.?

Neil

That sounds very organised! What does it tell you about your future??

Rob

Well, it just reminds me of exactly how much money I don’t have. It’s quite depressing! How about you, Neil??

Neil

Oh, I live in blissful ignorance. I have no idea how big my debts are. I try not to worry about it. I kind of think I’m much too young to worry about it now and that as if by magic it will all work out in the end. So it would be difficult for me to come up those four numbers. Anyway, let’s listen to Julie Lord again describing the lifestyle financial planning process.?

Julie Lord

Well, we would start by saying that we need to put together a lifetime?cashflow forecast?or a model. You just need four numbers: your?income, your?expenditure,?assets,?liabilities?and then we project forward to show you what sort of lifestyle you will have if you do nothing at all and if indeed you do some of the things that - perhaps an ISA or a pension or any other kind of financial product - might help you with.

Neil

Is lifestyle financial planning only for older people with a good pension? Not according to Julie Lord.?

Julie Lord

Well, it’s not all about old age, is it? I mean there are people… we have quite a number of younger clients who come to us and say 'we just want to get financially organised, we've heard about all this stuff, these financial products, no idea really what they are or, more importantly, what they’re going to do for us, so can you?give us a hand?to help us look forward to see what will happen'.?

Neil

So she also has younger clients who ask for her company’s help.?

Rob

Yes, she uses the phrase,?give us a hand, which means to help someone. If you give someone a hand, you help them.?

Neil

Exactly, in the way that I give you a hand with 6 Minute English.?

Rob

Well, I think I?give you a hand?rather than the other way around, Neil.?

Neil

Really, well let’s not fall out about it. Let’s listen to Julie Lord again.?

Julie Lord

Well, it’s not all about old age, is it? I mean, there are people… we have quite a number of younger clients who come to us and say 'we just want to get financially organised, we've heard about all this stuff, these financial products, no idea really what they are or, more importantly, what they’re going to do for us, so can you?give us a hand?to help us look forward to see what will happen'.?

Neil?

It’s nearly time now to review our vocabulary, but first, let’s have the answer to our quiz question. When was the word millionaire first used in English? Was it:

a) 1600s

b) 1700s, or

c) 1800s

What did you think, Rob??

Rob

Well, I guessed and said it was the 1600s.?

Neil

Well, not a good guess this time, I’m afraid. It’s actually a lot later. It was the 1800s when it was first used in English, though it had appeared in French in the 1700s. Now on with the vocabulary.?

Rob

Yes, we had a lot of financial terms in this programme. We had?cashflow forecast. This is a calculation of how much money you can expect to have at a particular time in the future.?

Neil

And the?cashflow forecast?is based on knowing your?income, which is the money you have coming in and your?expenditure, the money you have going out.?

Rob

You also need to know your?assets, which is the value of things you own as well as savings and investments. This is balanced against your?liabilities, which is the term for the money that you owe, for example on credit cards.?

Neil

And finally we had the expression?to give someone a hand?meaning to help someone. Well, that’s all from us in this programme. We look forward to your company next time. Until then, you can find us in all the usual places on social media, online and on our app. Just search for bbclearninglish. Bye, and thanks Rob for giving me a hand.?

Rob?

No, thank you for giving me a hand. Bye!

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

雙語版Transcript

Hello, and welcome to 6 Minute English. I'm Neil.

大家好，歡迎來到六分鐘英語，我是尼爾。

And I'm Rob.

我是羅伯。

In this programme we're talking about finance and in particular planning for our future lifestyles.

在這期節(jié)目中，我們將討論金融，尤其是對(duì)未來生活方式的規(guī)劃。

I can barely afford my current lifestyle!

我?guī)缀踟?fù)擔(dān)不起我現(xiàn)在的生活方式！

Same here, but perhaps we’ll pick up some good tips today. Before that though, a question. Being a millionaire may be an impossible dream for most of us, but when was the word first used in English??

我也是，但也許今天我們會(huì)學(xué)到一些不錯(cuò)的技巧。在那之前，有一個(gè)問題。成為百萬富翁對(duì)我們大多數(shù)人來說可能是一個(gè)不可能實(shí)現(xiàn)的夢(mèng)想，但是是什么時(shí)候這個(gè)詞第一次出現(xiàn)在英語中呢？

Was it:

a) 1600s

b) 1700s

c) 1800s? What do you think, Rob?

是

a) 17世紀(jì)

b) 18世紀(jì)

c) 19世紀(jì)

你覺得呢，羅伯？

I’m going to guess that it’s the 1600s as there have always been very wealthy people.

我猜是在17世紀(jì)，因?yàn)槟菚r(shí)候始終有非常富有的人。

Well, I’ll reveal the answer later. Now, the BBC Money Box programme covers all sorts of financial features.

好吧，稍后我將揭曉答案。BBC的Money Box節(jié)目涵蓋了各種各樣的金融專題。

Recently they were talking about lifestyle financial planning, which is planning your finances to meet the kind of lifestyle you want to have.

最近他們?cè)谟懻搶?duì)生活方式的財(cái)務(wù)規(guī)劃，也就是規(guī)劃你的財(cái)務(wù)來滿足你想要的生活方式。

Julie Lord leads a financial planning organisation and she talked about the process of lifestyle financial planning.

朱莉·洛德是一家理財(cái)機(jī)構(gòu)的負(fù)責(zé)人，而且她談到了對(duì)生活方式進(jìn)行財(cái)務(wù)規(guī)劃的過程。

How many numbers does she say you need to start with?

她說你要從幾個(gè)數(shù)字開始？

Well, we would start by saying that we need to put together a lifetime cashflow forecast or a model.

好吧，首先說我們需要建立一個(gè)終生現(xiàn)金流預(yù)測(cè)或模型。

You just need four numbers: your income, your expenditure, assets, liabilities,

你只需要四個(gè)數(shù)字：你的收入，支出，資產(chǎn)，負(fù)債，

and then we project forward to show you what sort of lifestyle you will have if you do nothing at all and if indeed you do some of the things that - perhaps an ISA or a pension or any other kind of financial product - might help you with.

然后我們進(jìn)一步計(jì)劃來為你展示，如果你什么都不做，如果你確實(shí)做一些能對(duì)你有所幫助的事情———或許是ISA、養(yǎng)老金或任何其他類型的金融產(chǎn)品，你將擁有什么樣的生活方式。

So how many numbers do you need?

所以你需要幾個(gè)數(shù)字呢？

She says that you start with just four numbers.

她說你要從4個(gè)數(shù)字開始。

That’s right.

對(duì)的。

The first of these numbers is your income, this is the money that you have coming in, your salary, for example.

第一個(gè)數(shù)字是你的收入，這是你收到的錢，比如你的工資。

Then there is the number for your expenditure. This is the money you have going out for rent, food, entertainment, transport and so on.

然后是你的開支這一數(shù)字。這是你用來付房租、吃飯、娛樂、交通等等的錢。

The next number was for assets. This is the cash value of things that you own. For example property, cars, jewellery as well as savings and investments, that kind of thing.

下一個(gè)數(shù)字是資產(chǎn)。這是你所擁有之物的現(xiàn)金價(jià)值。例如房產(chǎn)、汽車、首飾以及存款和投資等等。

And finally there is liabilities. This is the money that you owe, for example on credit cards or loans.

最后是負(fù)債。這是你所欠的錢，例如信用卡或貸款。

So if you know these details, she says they can come up with a lifetime cashflow forecast,

所以她說如果你知道這些細(xì)節(jié)，他們可以提出一個(gè)終生現(xiàn)金流預(yù)測(cè)，

which is a calculation of how much money you can expect to have in the future and if that is enough to meet your expectations.

那是對(duì)你未來預(yù)期有多少錢以及那些錢是否足夠滿足你期望的一種計(jì)算。

Do you have those details? Do you know your numbers, Rob?

你知道那些細(xì)節(jié)嗎？你知道你的數(shù)字嗎，羅伯？

I have a very detailed spreadsheet where I do list my income and expenditure. So I do know from month to month how much money I need and how much I can spend.

我有一份非常詳細(xì)的電子數(shù)據(jù)表，我在里面列出了我的收入和支出。所以我確實(shí)知道我每月需要多少錢，每月能花多少錢。

That sounds very organised! What does it tell you about your future?

聽起來很有條理！關(guān)于你的未來，它告訴了你什么？

Well, it just reminds me of exactly how much money I don’t have. It’s quite depressing! How about you, Neil?

好吧，它只是提醒我實(shí)際上自己缺多少錢。很壓抑！你呢，尼爾？

Oh, I live in blissful ignorance. I have no idea how big my debts are.

哦，我生活在無憂無慮的無知中。我不知道我的債務(wù)有多大。

I try not to worry about it. I kind of think I’m much too young to worry about it now and that as if by magic it will all work out in the end.

我盡量不去擔(dān)心它。我覺得我現(xiàn)在還太年輕，不需要擔(dān)心這個(gè)問題，而且那就像有魔法一樣，事情最終都會(huì)解決的。

So it would be difficult for me to come up those four numbers.

所以我很難找出這四個(gè)數(shù)字。

Anyway, let’s listen to Julie Lord again describing the lifestyle financial planning process.

無論如何，讓我們?cè)俾犚槐橹炖颉ぢ宓聦?duì)生活方式財(cái)務(wù)規(guī)劃過程的描述。

Well, we would start by saying that we need to put together a lifetime cashflow forecast or a model.

好吧，首先說我們需要建立一個(gè)終生現(xiàn)金流預(yù)測(cè)或模型。

You just need four numbers: your income, your expenditure, assets, liabilities,

你只需要四個(gè)數(shù)字：你的收入，支出，資產(chǎn)，負(fù)債，

and then we project forward to show you what sort of lifestyle you will have if you do nothing at all and if indeed you do some of the things that - perhaps an ISA or a pension or any other kind of financial product - might help you with.

然后我們進(jìn)一步計(jì)劃來為你展示，如果你什么都不做，如果你確實(shí)做一些能對(duì)你有幫助的事情———或許是ISA、養(yǎng)老金或任何其他類型的金融產(chǎn)品，你將擁有什么樣的生活方式。

Is lifestyle financial planning only for older people with a good pension? Not according to Julie Lord.

關(guān)于生活方式的財(cái)務(wù)計(jì)劃是否只針對(duì)養(yǎng)老金豐厚的老年人？朱莉·洛德可不這么認(rèn)為。

Well, it’s not all about old age, is it?

好的，它不全是關(guān)于老年的，不是嗎？

I mean there are people… we have quite a number of younger clients who come to us and say 'we just want to get financially organised, we've heard about all this stuff, these financial products,

我的意思是有些人……我們有相當(dāng)多的年輕客戶找到我們，說“我們只是想要在經(jīng)濟(jì)上得到整理規(guī)化，我們都聽說過這個(gè)東西，這些金融產(chǎn)品，

no idea really what they are or, more importantly, what they’re going to do for us, so can you give us a hand to help us look forward to see what will happen'.

真的不知道它們是什么，或更重要的是它們會(huì)為我們做什么，所以你幫我們一把，幫助我們看看會(huì)發(fā)生什么？”

So she also has younger clients who ask for her company’s help.

所以她也有一些年輕客戶向她的公司尋求幫助。

Yes, she uses the phrase, give us a hand, which means to help someone. If you give someone a hand, you help them.

是的，她使用了短語“give us a hand”，意思是幫助某人。如果你幫了某人一把，你就是在幫助他們。

Exactly, in the way that I give you a hand with 6 Minute English.

沒錯(cuò)，就像我在六分鐘英語幫了你一把。

Well, I think I give you a hand rather than the other way around, Neil.

好吧，尼爾，我覺得我?guī)土四阋话眩皇欠催^來你幫了我。

Really, well let’s not fall out about it. Let’s listen to Julie Lord again.

真的，我們別為那爭(zhēng)吵了。讓我們?cè)俾犚槐橹炖颉ぢ宓滤f的。

Well, it’s not all about old age, is it?

好的，它不全是關(guān)于老年的，不是嗎？

I mean, there are people… we have quite a number of younger clients who come to us and say 'we just want to get financially organised, we've heard about all this stuff, these financial products,

我的意思是有些人……我們有相當(dāng)多的年輕客戶找到我們，說“我們只是想要在經(jīng)濟(jì)上得到整理規(guī)化，我們都聽說過這個(gè)東西，這些金融產(chǎn)品，

no idea really what they are or, more importantly, what they’re going to do for us, so can you give us a hand to help us look forward to see what will happen'.

真的不知道它們是什么，或更重要的是它們會(huì)為我們做什么，所以你幫我們一把，幫助我們看看會(huì)發(fā)生什么？”

It’s nearly time now to review our vocabulary, but first, let’s have the answer to our quiz question.

現(xiàn)在差不多是時(shí)候復(fù)習(xí)詞匯了，但是首先，讓我們揭曉測(cè)試問題的答案。

When was the word millionaire first used in English?

什么時(shí)候百萬富翁這個(gè)詞第一次出現(xiàn)在英語中？

Was it:

a) 1600s

b) 1700s

c) 1800s? What do you think, Rob?

是

a) 17世紀(jì)

b) 18世紀(jì)

c) 19世紀(jì)

你覺得呢，羅伯？

Well, I guessed and said it was the 1600s.

好吧，我猜了一下，說是17世紀(jì)。

Well, not a good guess this time, I’m afraid. It’s actually a lot later.

恐怕這次猜得不好。實(shí)際上要晚很多。

It was the 1800s when it was first used in English, though it had appeared in French in the 1700s.

英語中首次使用這個(gè)詞是在19世紀(jì)，不過18世紀(jì)它已經(jīng)出現(xiàn)在法語中。

Now on with the vocabulary.

現(xiàn)在繼續(xù)詞匯部分。

Yes, we had a lot of financial terms in this programme.

是的，我們?cè)谶@個(gè)節(jié)目中學(xué)了很多金融術(shù)語。

We had cashflow forecast. This is a calculation of how much money you can expect to have at a particular time in the future.

我們學(xué)了現(xiàn)金流預(yù)測(cè)。這是對(duì)你在未來某一特定時(shí)間預(yù)期擁有多少錢的計(jì)算。

And the cashflow forecast is based on knowing your income, which is the money you have coming in and your expenditure, the money you have going out.

現(xiàn)金流預(yù)測(cè)是基于知曉你的收入，也就是你收到的錢，和你的支出，你花出去的錢。

You also need to know your assets, which is the value of things you own as well as savings and investments.

你還需要知道你的資產(chǎn)，也就是你所擁有之物的價(jià)值以及存款和投資。

This is balanced against your liabilities, which is the term for the money that you owe, for example on credit cards.

這與你的負(fù)債相平衡，負(fù)債是你所欠的錢的術(shù)語，例如信用卡上。

And finally we had the expression to give someone a hand meaning to help someone.

最后我們學(xué)了“give someone a hand”這個(gè)表達(dá)，意思是幫助某人。

Well, that’s all from us in this programme. We look forward to your company next time.

以上就是本期節(jié)目的全部?jī)?nèi)容。我們期待您的下次參與。

Just search for bbclearninglish.

只需查找bbclearninglish。

Bye, and thanks Rob for giving me a hand.

再見，羅伯，謝謝你幫了我一把。

No, thank you for giving me a hand. Bye!

不，是謝謝你幫我一把。再見！