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  • 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 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!

Neil: Hello, and welcome to

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A2 初級 英國腔

你老了還在乎窮不窮嗎?- 6分鐘英語 (Do you care if you're poor when you're old? - 6 Minute English)

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    c1830 發佈於 2021 年 01 月 14 日
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