07 理财

07 理财

“月光”族

dialgue

ellen ften feels shrt f ney thugh she has a nie salary.

尽管艾伦收入菲，但她总觉缺钱。

nik: hey, ellen. it's tie t get ff rk. e are ging t have dinner tgether. d yu ant t e alng?

尼克：嘿，艾伦，班。吃晚饭，吗？

ellen: i'd like t, but i' really skint this nth.

艾伦：很想，但真身文。

nik: h? ur salaries ere paid nly half a nth ag.

尼克：嗯？工资刚半月呀。

ellen: let's nt talk abut it. i' a typial nlight lan. after i gt y salary, i had t pay the rent, eat ut ith y friends and g shpping. i didn't even realize that i had ade aay ith y ney.

艾伦：别提。典型“月光族”。拿工资，付房租，朋友吃饭，购物。甚至意识钱竟花光。

nik: s yu ean yu ften live fr payhek t payhek?

尼克：意思常把每月工资花精光？

ellen: yes. s i have t verdra y redit ard.

艾伦：啊，因透支信卡。

nik: h, ellen, i have t say that yu ust learn h t anage yur ney, r else yu n't fill yur stah in the next days.

尼克：噢，艾伦，必须理财，否则剩食果腹。

ellen: i kn it. but i alays nsue in an ipulsive ay.

艾伦：知，但总冲动消费。

ntes

1. skint [skint] adj. 身文，穷光蛋

2. nlight lan 月光族

3. ake aay ith 携……逃；除，杀死；浪费掉；吃掉

4. payhek ['peit?ek] n. 薪水支票，工资

5. verdra ['?uv?'dr?:] v. 透支；夸

6. ipulsive [i'p?lsiv] adj. 冲动，任性；n.（引冲动）原因

贴士

怎样才做“月光族”？

1. save little and ften

存钱，常存钱

2. read persnal finane blgs

阅读理财博客

by reading abut thers' tips and suess t adpt gd finanial habits.

通阅读技巧功验理财。

3. keep a spending lg and savings lg

别建立花钱志储蓄志

4. save tards a speifi gal

为己设立具体目标

having a very lear gal in ind an ake it uh easier t save up.

非常明确目标以让省钱计划更加易。

5. autate yur savings

动化储蓄

get yur bank t transfer 800 yuan （r 1000 yuan）fr yur heking aunt int a savings aunt, at the start f eah nth.

让银每月第动把支票账户800元（或1000元）转储蓄账户。

欢欢喜喜存钱

dialgue

n ellen's ay t bank, she es arss nik.

银路，艾伦碰尼克。

nik: hey, ellen. here are yu ging?

尼克：嘿，艾伦。哪？

ellen: i' ging t the bank f hina.

艾伦：银。

nik: pay ff the verdraft and interest f yur redit ard?

尼克：透支信卡利息吗？

ellen: h, please dn't judge a persn by hat he used t be. i a ging t save se ney in y aunt.

艾伦：噢，请拿老眼光。账户存些钱。

nik: save ney? are yu kidding? i dn't think yu have any ney t save. didn't yu say yu alays live fr payhek t payhek?

尼克：存钱？开玩笑吧？觉根本钱存。己月光族吗？

ellen: yeah, i used t be, but n i a ise in ney atters. i began t ake a selfrefletin t nths ag, hih helps e urb spending and think tie abut eah purhase.

艾伦：，以，但现很理财呢。两月开始反省，让购物克制，思。

nik: i a glad t hear that yu have been an expert n ney.

尼克：很高兴听理财专。

ellen: i pened a saving-aunt last nth t save se ney fr a rainy day. but i als kn e shuldn't rk just t save, e als shuld live life t the full.

艾伦：月开储蓄账户，存些钱以备之需。但知应该为存钱工，应该享受活。

nik: aha, by the ay, h uh ill yu save every nth?

尼克：啊哈，顺便问句，打算每月存少？

ellen: 2000 yuan per nth, aybe even re.

艾伦：月2000元，许更。

ntes

1. bank f hina 银

2. verdraft ['?uv?dr?ft] n. 透支

3. urb [k?:b] n. 路边；克制；v. 抑制；勒住

4. fr a rainy day 以防之需

贴士

the advantages f saving ney

everyne ust rk t live their lives, but any peple are frtunate enugh t ake re ney than they iediately need. hat shuld they d ith this reaining ine? it is tepting fr peple t spend it all n things they desire,but if yu have learned t anage ney atters, it is better t save at least a prtin f the extra ine fr a rainy day.

by saving ney, peple give theselves re seurity. yu annt predit the future; perhaps ne day yu ill lse yur jb. at a tie like this yur savings an spare yu a great deal f suffering and help bridge yu ver. in additin,saving ney alls peple t lay up a larger su ith hih yu an buy sething re valuable. fr exaple, yu ay be able t buy a ar ith yur savings. if yu learn t save ney, yu an gain re advantages in the future.yu ill lead a re seure and, thus, happier life.

存钱处

每必须工以求存，但许很幸运，够赚比需钱。应该何处理些余收入呢？把钱全花己想买东西很诱，但果理财，最至少把部额外收入存，以备之需。

通存钱，获更安全感。未预测，或许失业。碰诸样情况，存款以让免许痛苦，帮助渡难关。外，存钱以使积累较钱，以买更价值东西。例，以存款买车。果存钱，未以获更处。更安全感且更快乐活。

密码忘记怎取钱

dialgue

the dialgue is set in a bank.

话银。

bank lerk: gd rning, hat an i d fr yu, sir?

银职员：早，为您做些什，先？

jak: gd rning, i ant t ithdra 6000 yuan fr this ard.

杰克：早，想张卡取6000元。

bank lerk: ay i see yur bank ard,please?

职员：请示银卡。

jak: here yu are.

杰克：给。

bank lerk: please input yur passrd and then press the “nfiratin” buttn.

职员：请输入您密码并按确认键。

jak: h, i a afraid that i frget y passrd. aybe i an have a try.

杰克：噢，恐怕忘记密码。许以试试。

bank lerk: srry, yur passrd is rng. please reenter it.

职员：，您输入密码错误，请重新输入。

jak: h! i frget y passrd. hat shuld i d?

杰克：噢，忘记密码。怎办？

bank lerk: in this ase, yu ill have t reprt the lss f yur passrd and then reset the passrd. have yu taken yur id ard ith yu?

职员：样话，办理密码挂失，重置密码。带身份证吗？

jak: yes, i have.

杰克：，带。

bank lerk: dn't rry. i ill help yu sn. please fill ut this fr first. and rite dn yur nae, yur aunt nuber and yur id nuber.

职员：担，以帮您。请先填张表格。填您名字、银卡号身份证号码。

jak: dne!

杰克：填！

bank lerk: k. please ait fr a ent. i'll handle it sn.

职员：。请稍等，马给您办理。

ntes

1. passrd ['pɑ:s?:d] n. 口令，密码

2. reprt the lss 挂失

贴士

1. exuse e, i frgt the passrd f y ard.

，忘记卡密码。

2. yu have t reprt lss f the agard.

需办理磁卡挂失。

3. tell e the depsitr's nae, the aunt nuber as ell as the id nuber.

请告诉存款姓名、账号及身份证号码。

4. yur ard has been lked. please e t the bank t rene the aunt in five days.

您卡已被锁，请5内银办理解锁手续。

5. by the ay, are yu the depsitr f the bank ard?

顺便问，张卡存款您吗？

6. e'll harge yu 10 yuan fr yur reprt f the lss.

收取10元挂失手续费。

7. if yu d frget yur de, yu ill have t reprt the lss f yur de.

果您真忘密码，办理密码挂失。

信卡透支吗

dialgue

sue is earing a frn all rning. hat happened t her?

苏整午愁眉展，她怎？

jane: hey, sue. hat's the atter ith yu?yu lk terribly distressed and are sighing all the rning.

简：嘿，苏。怎？午愁眉展、唉声叹气？

sue: i reeived the reinder nte fr the bank this rning. i a in the red f y redit ard again.

苏：今早收银催款通知单。月透支。

jane: h uh did yu verdra?

简：透支少？

sue: i have already verdran 3000 dllars. i have t pay ff the verdraft in the end f this nth. h d i pay bak it?

苏：透支3000美元。必须月底清。该怎啊？

jane: h did yu verdra suh a large su f ney? yu are alays free ith yur ney.

简：怎透支呢？花钱总手脚。

sue: but n it's t late fr regrets. hat shuld i d? jane, uld i ask yu if yu're illing t lend e se ney? i prise i'll return it as sn as y salary is paid. please!

苏：现悔晚呀。怎办？简，借些钱吗？保证工资马。求！

jane: kay. i n't leave yu in the lurh. exuse e fr alling a spade a spade, yu really need t learn h t urb spending yur ney.

简：。弃朋友顾。恕直言，真该怎样克制花钱。

sue: i get it. i prise it n't happen again.

苏：知。保证以再。

ntes

1. reinder [ri'aind?] n. 提醒物，提示；催单

2. in the red 负债，亏欠

3. leave sb. in the lurh 弃某危难之

4. all a spade a spade 实话实，直言讳

贴士

1. i've never had an verdraft in y life.

透支。

2. h, n. y redit ard is verdran.

哦，糟。信卡透支。

3. i tk ut an verdraft t pay fr y ne verat and shes.

透支买件新衣新鞋。

4. i a in the red this nth again.

月透支。

5. this bnus ill g a lng ay tards paying y verdraft.

笔奖金清透支额帮助。

6. i have been given t redit ards ith very high liits.

两张透支额很高信卡。

7. by the end f eah nth y byfriend's aunt is alays in the red.

每月月底，男朋友账户总现透支。

信卡类：

redit ard 信卡

affinity ard 认卡

platinu ard 白金卡

student ard 卡

preferred ard/gld ard 金卡

value ard 储值卡

lassi ard 普卡

-branded ard 联名卡

suppleentary ard 附属卡

debit ard 转账卡

at ard 金融卡

harge ard 签账卡

ash advane ard 现金卡

rprate ard 商务卡、司卡

精打细算记账忙

dialgue

it's tie t get ff rk. aggie sees julie being busy at the puter.

该班。麦琪朱莉电脑忙。

aggie: hi, julie, it's getting late. hy dn't yu return he?

麦琪：嗨，朱莉，已很晚。怎回呢？

julie: i'll leave in a inute. i' busy ith traking y spending n.

朱莉：儿走。现正忙记账呢。

aggie: hat? yu ean yur persnal spending?

麦琪：什？花费？

julie: yeah, it gives e a rugh idea f y ney habits as ell as inentive t start hanging the.

朱莉：，通记账概知己花钱习惯怎样改变些良习惯。

aggie: isn't it t trublese? seties i even an't reeber here y ney ges n.

麦琪：很麻烦吗？甚至知钱花哪儿。

julie: s e need an aunt bk t keep trak f every single daily expense.rite dn the exat nuber after eah expenditure at ne, and then yu n't frget it.

朱莉：以才需账本记录每次常开销。花钱马记录忘。

aggie: h lng have yu kept the habit f rerding the expenditure?

麦琪：记账习惯久？

julie: abut three nths. i find it's very useful t give e a full-n reality hek and ake e kn here y ney ges. i'll see hih the unneessary expenditure is and then redue aste. gradually i kikstarted y “spend less, save re” finanial plan.

朱莉：概3月。现记账利账，让知钱花哪。哪些必开支，减少浪费。渐渐，开始“少花钱，节省”理财习惯。

aggie: h, i gt it. it sunds nt bad.

麦琪：哦，知。理财习惯听错。

ntes

1. rugh idea 致想；体意思

2. inentive [in'sentiv] adj. 刺激；鼓励；n. 刺激；鼓励；动机

3. aunt bk 账簿

4. keep trak f 跟……展；记录；保持……联系

5. full-n [ful'?n] adj. 最典型，最强烈

6. reality hek 现状核实；提醒现实件

7. kik-start ['kik?sta:t] v. 启动，脚踩动；n. 动踏板

8. finanial pla 财政计划，财务计划

贴士

yu an d a better jb f keeping trak f yur ney ne yu find here it's ging. is it hard fr yu t keep trak f here yur ney is ging? try nline aunt fr great graphing tehnlgy that nitrs yur finanes. d yu kn hat nline aunt is? it's a ritten budget n the internet. it keeps yu n trak and gives yu a visual representatin f yur verall finanial piture. there are any ebsites ffering suh kind f servies and even giving yu a free redit reprt.

记账习惯，以通记账现己钱花哪些。觉记账很困难呢？以尝试网记账，它够提供管理财务强制图技术。什网记账？它写网络财务预算，使够身财务状况非常直观认识。现很网站提供样服务，甚至提供免费信报告。

繁琐贷款

dialgue

karl ants t buy a ar but his ney is nt enugh, s he deides t ask the bank fr help.

卡尔想买辆车，但钱够，以决求助银。

bank lerk: gd rning, sir. hat an i d fr yu?

银职员：早，先。您需办理什业务？

karl: i ant t brr t hundred thusand yuan. des yur bank have suh lan plan?

卡尔：想贷20万元。请问贵类贷款计划吗？

bank lerk: h, yes. an yu tell e hat uld yu like t use it fr?

银职员：哦，。告诉贷款做什吗？

karl: i ant t buy a ar t failitate y life,but i dn't have enugh ney.

卡尔：想买辆车以便活，但现足够钱。

bank lerk: i see. uld yu ind telling e yur nthly r annual salary?

银职员：知。告诉您月薪或薪少吗？

karl: y annual salary is 100 000 yuan. by the ay, hat abut the interest rate?

卡尔：薪10万元。顺便问，利率少啊？

bank lerk: it depends h lng yu'll pay ff the lan.

银职员：取决款限。

karl: hat if i hse t lear ff it in 5 years?

卡尔：假打算5清呢？

bank lerk: it's 6.45 % fr five-year lan. k, sir. e'll nsider supplying yu a lan. please fill ut this lan appliatin first and bring the aterial abut yur ine and redit rating next tie.

银职员：5贷款利率6.45%。，先，考虑贷款给您。请先填写份贷款申请表，次请带您收入信等级相关材料。

karl: k, i ill. thank yu.

卡尔：，。谢谢。

bank lerk: y pleasure.

银职员：很乐意为您效劳。

ntes

1. failitate[f?'siliteit] v. 使变（更）容易，使便利

2. annual salary薪

3. redit rating信评级

贴士

贷款程序简述：

1. aeptane 受理

2. priary auditing 初审

3. appraisal 评估

4. hekup and apprval 审查审批

5. jint assessent 联合评审

6. granting lan 放贷款