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BBC - 6 Minute English (YouTube), Money and lifestyle - 6 Minute English - YouTube

Money and lifestyle - 6 Minute English - YouTube

Neil: Hello, and welcome

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 -

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!

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Money and lifestyle - 6 Minute English - YouTube Geld und Lebensstil - 6 Minuten Englisch - YouTube Argent et mode de vie - 6 minutes d'anglais - YouTube Soldi e stile di vita - 6 minuti in inglese - YouTube お金とライフスタイル - 6 Minute English - YouTube 돈과 라이프스타일 - 6분 영어 - YouTube Pieniądze i styl życia - 6 minut po angielsku - YouTube Dinheiro e estilo de vida - 6 Minute English - YouTube Деньги и образ жизни - 6 Minute English - YouTube Peniaze a životný štýl – 6 minút angličtiny – YouTube 金钱和生活方式 - 6 分钟英语 - YouTube

Neil: Hello, and welcome Neil: Olá e bem-vindo

6 Minute English. I'm Neil. 6 Minute English. Eu sou Neil.

Rob: And I'm Rob. Rob: E eu sou Rob.

Neil: In this programme we're talking

about finance and in particular |Financial matters|||specifically |金融について||| حول التمويل وعلى وجه الخصوص sobre finanças e, em particular

planning for our future lifestyles. ||||future ways of living 将来の生活計画|||| ||||estilos de vida التخطيط لأنماط حياتنا المستقبلية. planejando para os nossos estilos de vida futuros.

Rob: I can barely afford |||hardly|manage to pay |||ほとんど~ない|ロブ:ほとんど余裕がない |||mal|pagar روب: بالكاد أستطيع تحمله Rob: Ich kann mir kaum etwas leisten. Rob: Mal consigo pagar

my current lifestyle! |atual| نمط حياتي الحالي! meu estilo de vida atual!

Neil: Same here, but perhaps we'll pick up نيل: نفس الشيء هنا، ولكن ربما سنلتقطه Neil: Das gilt auch für mich, aber vielleicht werden wir die Neil: Mesmo aqui, mas talvez possamos pegar

some good tips today. Before that though, ||||||However heute einige gute Tipps. Vorher allerdings, daži labi padomi šodien. Pirms tam gan, algumas boas dicas hoje. Antes disso, no entanto,

a question. Being a millionaire may be ||||百万富翁|| ||||um milionário|| uma pergunta. Ser milionário pode ser

an impossible dream for most of us, um sonho impossível para a maioria de nós,

but when was the word first used in English? ولكن متى تم استخدام الكلمة لأول مرة باللغة الإنجليزية؟ mas quando a palavra foi usada pela primeira vez em inglês?

Was it: a) 1600s, b) 1700s, or c) 1800s - Foi: a) 1600s, b) 1700s, ou c) 1800s -

a) 1600s, b) 1700s, or c) 1800s - a) 1600s, b) 1700s, ou c) 1800s -

What do you think, Rob? O que você acha, Rob?

Rob: I'm going to guess that it's the 1600s Rob: Vou supor que seja a década de 1600

as there have always been 常にあるように|||| pois sempre houve

very wealthy people. |Extremely affluent individuals.| |ricos ou abastados| pessoas muito ricas.

Neil: Well, I'll reveal the answer later. Neil: Bem, vou revelar a resposta mais tarde.

Now, the BBC Money Box programme Agora, o programa BBC Money Box

covers all sorts of financial features. includes|||||financial aspects ||tipos|||características financeiras aborda vários recursos financeiros.

Recently they were talking about Ostatnio||||

lifestyle financial planning,

which is planning your finances to meet ||||financial planning|| |||||ために|満たすために

the kind of lifestyle you want to have. |Type||||||

Julie Lord leads a financial planning ||heads||| Julie Lord lidera um planejamento financeiro

organisation and she talked about organização e ela falou sobre

the process of lifestyle financial o processo de planejamento financeiro do estilo de vida

planning. How many numbers does planejamento. Quantos números

she say you need to start with? ||あなた|||| ela diz que você precisa começar?

Julie Lord: Well, we would start by saying |||||始めます|で| Julie Lord: Bem, começaríamos dizendo

that we need to put together ||||まとめる| que precisamos juntar

a lifetime cashflow forecast or a model. |Entire financial period|Cash flow projection|Future financial projection||| ||fluxo de caixa|previsão|||modelo de previsão ||dòng tiền|||| ||现金流|||| ||||||モデル ||przepływ gotówki|||| uma previsão de fluxo de caixa vitalício ou um modelo.

You just need four numbers: your income, ||||||earnings ||||||renda Você só precisa de quatro números: sua renda,

your expenditure, assets, liabilities and ||资产|| |spending|financial resources|financial obligations| ||aktywa|zobowiązania finansowe| |despesa|ativos|passivos| suas despesas, ativos, passivos e

then we project forward to show you ||投影します|前方に||| |||para frente||| em seguida, projetamos para mostrar

what sort of lifestyle you will have que tipo de estilo de vida você terá

if you do nothing at all and if |||nada|||| se você não fizer nada mesmo e se

indeed you do some of the things that - Certainly||||||| realmente||||||| de fato fizer algumas das coisas que -

perhaps an ISA or a Pension or any ||个人储蓄账户||||| ||Individual Savings Account||||| ||uma ISA||||| talvez um ISA ou uma pensão ou qualquer

other kind of financial product - outro tipo de produto financeiro -

might help you with. poderia ajudar você.

Neil: So how many numbers do you need? Neil: Então, quantos números você precisa?

Rob: She says that you start Rob: Ela diz que você começa

with just four numbers. |||数字 com apenas quatro números.

Neil: That's right. The first of Neil: É verdade. O primeiro

these numbers is your income. This is ||||Earnings|| ||||renda||

the money that you ||pieniądze, które| o dinheiro que você

have coming in. Your salary, for example. tem entrando. Seu salário, por exemplo.

Rob: Then there is the number Rob: Em seguida, há o número

for your expenditure. This is the money ||spending|||| ||支出のため|||| ||despesa|||| para suas despesas. Este é o dinheiro

you have going out: for rent, food, ||出費|||| que você tem saindo: aluguel, comida,

entertainment, transport and so on. entretenimento, transporte e assim por diante.

Neil: The next number was for assets. ||||||valuable resources ||||||資産 ||||||aktywa ||||||ativos

This is the cash value of things that you ||||valor|||| Este é o valor em dinheiro das coisas que você

own. For example property, cars, jewellery |||||joias ملك. على سبيل المثال العقارات والسيارات والمجوهرات possui. Por exemplo, propriedades, carros, joias

as well as savings and investments, |||cost reductions|| |||economias||investimentos bem como poupanças e investimentos,

that kind of thing. esse tipo de coisa.

Rob: And finally there is liabilities. |||||financial obligations |||||負債 |||||passivos |||||zobowiązania Rob: E finalmente há passivos.

This is the money that you owe, ||||||欠 ||||||are indebted for ||||||借りている ||||||deves Este é o dinheiro que você deve.

for example on credit cards or loans. ||||||贷款 ||||||borrowed funds ||||||empréstimos ||||||vay por exemplo em cartões de crédito ou empréstimos.

Neil: So if you know these details, Neil: Então, se você souber esses detalhes,

she says they can come up ||||来る| ela diz que eles podem surgir

with a lifetime cashflow forecast, ||||future financial projection を用いた||生涯のキャッシュフロー予測で|生涯キャッシュフロー予測| |||com uma previsão de fluxo de caixa ao longo da vida,|com uma previsão de fluxo de caixa ao longo da vida, مع توقعات التدفق النقدي مدى الحياة، com uma previsão de fluxo de caixa vitalício,

which is a calculation of how much |||tính toán||| que é um cálculo de quanto

money you can expect to have in the dinheiro você pode esperar ter no

future and if that is enough to meet futuro e se isso é suficiente para atender

your expectations. Do you have those |期待|||| suas expectativas. Você tem esses

details? Do you know your numbers, Rob? detalhes? Você conhece seus números, Rob?

Rob: I have a very detailed spreadsheet |||||comprehensive|Detailed data table ||||||planilha ||||||bảng tính ||||||电子表格 ||||||スプレッドシート ||||||arkusz kalkulacyjny روب: لدي جدول بيانات مفصل للغاية

where I do list my income and onde eu listo minha renda e

expenditure. So I do know spending|||| despesas. Portanto, eu sei

from month to month how much money 月ごとに|||||| de mês a mês quanto dinheiro

I need and how much I can spend. Eu preciso e quanto posso gastar.

Neil: That sounds very organised! Neil: Isso parece muito organizado!

What does it tell you about your future? O que isso te diz sobre o seu futuro?

Rob: Well, it just reminds me of exactly ||||brings to mind||| ||||lembra|||exatamente isso Rob: Bem, isso só me lembra exatamente

how much money I don't have. o quanto de dinheiro eu não tenho.

It's quite depressing! ||depressing ||とても憂鬱です。 ||deprimente É bastante deprimente!

How about you, Neil?

Neil: Oh, I live in blissful ignorance. |||||幸福的| |||||utterly content ignorance|ignorance |||生きている||至福の|無知 |||||ignorância blissful|ignorância نيل: أوه، أنا أعيش في جهل سعيد. Neil: Oh, eu vivo na ignorância tranquila.

I have no idea how big my debts are. Não faço ideia de quão grandes são as minhas dívidas.

I try not to worry about it. Tento não me preocupar com isso.

I kind of think I'm much too young to أعتقد نوعًا ما أنني أصغر من أن أفعل ذلك Eu meio que acho que sou muito jovem para

worry about it now and that as me preocupar com isso agora e que como

if by magic it will all work out in the end. |まるで||||||||| por mágica, tudo se resolverá no final.

So it would be difficult for me to come up ||||||||来るのは| Portanto, seria difícil para mim entender

those four numbers. Anyway, let's listen to |||de qualquer forma||| esses quatro números. De qualquer forma, vamos ouvir

Julie Lord again describing the lifestyle Julie Lord novamente descrevendo o estilo de vida

financial planning process.

Julie Lord: Well, we would start by saying Julie Lord: Bem, começaríamos dizendo

that we need to put together que precisamos montar

a lifetime cashflow forecast or a model. |||Future financial projection||| uma previsão de fluxo de caixa vitalícia ou um modelo.

You just need four numbers: your income,

your expenditure, assets, liabilities |spending||Financial obligations

and then we project forward to show you ||||para frente||| ومن ثم نتقدم لنظهر لك e então projetamos para mostrar a você

what sort of lifestyle you will have que tipo de estilo de vida você terá

if you do nothing at all and if se você não fizer nada e se

indeed you do some of the things that - de fato você faz algumas das coisas que -

perhaps an ISA or a pension or any ||ISA または年金|||年金|| talvez um ISA ou uma pensão ou qualquer

other kind of financial product - might outro tipo de produto financeiro - poderia

help you with.

Neil: Is lifestyle financial planning only ||estilo de vida|||apenas

for older people with a good pension? Not

according to Julie Lord.

Julie Lord: Well, it's not all about old age, Julie Lord: Bem, não se trata apenas da velhice,

is it? I mean, there are people... we have não é? Quero dizer, existem pessoas... nós temos

quite a number of younger clients um número considerável de clientes mais jovens

who come to us and say 'we just

want to get financially organised, |||财务上| |||money-wise|

we've heard about all this stuff, these |||||coisas|

financial products, no idea really what

they are or, more importantly, what they're

going to do for us, so can you give us vai fazer por nós, então você pode nos dar

a hand to help us look forward to see uma mão para nos ajudar a esperar para ver

what will happen'. o que vai acontecer'.

Neil: So she also has younger clients

who ask for her company's help. |依頼する||||

Rob: Yes, she uses the phrase, give us ||||||使う| Rob: Sim, ela usa a frase "nos dê".

a hand, which means to help someone. uma mão, que significa ajudar alguém.

If you give someone もし||与える| Se você der a alguém

a hand, you help them. |手を貸す||| uma mão, você os ajuda.

Neil: Exactly, in the way that I give you Neil: Exatamente, do jeito que eu te dou

a hand with 6 Minute English. uma mão com 6 Minute English.

Rob: Well, I think I give you a hand rather |||||||||instead |||||手伝う|||| |||||||||prefiro Rob: Bem, eu acho que te dou uma mão antes

than the other way around, Neil. |その|||| do que o contrário, Neil.

Neil: Really, well let's not fall out about |||||argue|| |||||けんかする|| |||||discutir|discutir| Neil: Sério, bem, vamos não brigar sobre

it. Let's listen to Julie Lord again. ||||||novamente isso. Vamos ouvir Julie Lord novamente.

Julie Lord: Well, it's not all about old age, Julie Lord: Bem, não é tudo sobre a velhice,

is it? I mean, there are people... we have não é? Quero dizer, há pessoas... nós temos

quite a number of younger clients um bom número de clientes mais jovens

who come to us and say 'we just want

to get financially organised, we've heard ||monetarily||| |財政整理する||||

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 |手伝って|||||||| então você pode nos dar uma mão para nos ajudar

look forward to see what will happen'. |anticipate||||| ansioso para ver o que vai acontecer'.

Neil: It's nearly time now to review ||almost|||| ||quase|||| Neil: Está quase na hora de revisar

our vocabulary, but first, let's have nosso vocabulário, mas primeiro, vamos ter

the answer to our quiz question. a resposta à nossa pergunta do quiz.

When was the word millionaire first Quando foi a primeira vez que a palavra milionário

used in English? Was it: usado em inglês? Foi:

a) 1600s, b) 1700s, or c) 1800s - a) 1600s, b) 1700s, ou c) 1800s -

What did you think, Rob? O que você acha, Rob?

Rob: Well, I guessed and said |||adivinhei|| Rob: Bem, eu adivinhei e disse

it was the 1600s. que era o século XVI.

Neil: Well, not a good guess this time, I'm |||||estimate||| Neil: Bem, não foi uma boa suposição desta vez, eu estou

afraid. It's actually a lot later. It was com medo. Na verdade, é muito mais tarde. Foi

the 1800s when it was first used na década de 1800 quando foi usado pela primeira vez

in English, though had appeared ||However|| ||||apareceu em inglês, embora tenha aparecido

in French in the 1700s. em francês nos anos 1700.

Now on with the vocabulary. Agora, com o vocabulário.

Rob: Yes, we had a lot of financial terms Rob: Sim, tínhamos muitos termos financeiros

in this programme. We had neste programa. Tivemos

cashflow forecast. This is a calculation |Cashflow projection|||| キャッシュフロー予測||||| fluxo de caixa|previsão|||| previsão de fluxo de caixa. Esta é uma calculadora

of how much money you can expect to de quanto dinheiro você pode esperar

have at a particular time in the future.

Neil: And the cashflow forecast |||previsão de fluxo de caixa|

is based on knowing your income, |基づいている||||収入 |||||renda é baseado em conhecer a sua renda,

which is the money you have coming in ||||||入ってくる| que é o dinheiro que você tem entrando

and your expenditure, the money ||支出|| ||spending|| ||despesa|| e seus gastos, o dinheiro

you have going out.

Rob: You also need to know your assets, |||||||valuable resources ||||||あなたの| |||||||ativos

which is the value of things

you own as well as savings and |||||Savings account balance|

investments. This is balanced against |||バランスの取れた| |||equilibrado|

your liabilities, which is the term |Financial obligations|||| |suas responsabilidades, que é o termo|||| |zobowiązania finansowe||||

for the money that you owe, |||||are indebted for

for example on credit cards.

Neil: And finally we had the expression ||||mieliśmy||wyrażenie Neil: E finalmente tivemos a expressão

'to give someone a hand' to|||| に|||| ||uma ajuda|| 'dar uma mão para alguém'

meaning to help someone. significando ajudar alguém.

Well, that's all from us in this programme. Bem, é tudo de nós neste programa.

We look forward to your Esperamos a sua

company next time. companhia na próxima vez.

Until then, you can find us in all the usual Até então, você pode nos encontrar em todos os locais habituais

places on social media, online and on our |||Online platforms|||| nas redes sociais, online e em nosso

app. Just search for bbclearninglish. Bye, ||pesquisar||bbclearninglish| aplicativo. Basta pesquisar por bbclearninglish. Tchau,

and thanks, Rob, for giving me a hand. ||||手伝ってくれて|||

Rob: No, thank you for giving me a hand. ||ありがとう||||||

Bye!