基于《懂你英语》：Level 4 Unit 3 Part 2 Vocabulary-Business and Economics
instant gratification = 即刻的满足感
the Moonlight Clan = 月光族
今天的主题是：Secrets to Make Your Money Grow 生财有道
There are three things to talk about in today's lesson:
1.the importance of managing money.
理财的重要性。
2.how to manage money.
理财的秘密。
3.saving and investing.
理财之省钱与投资。
Part 1：理财的重要性
1.1 Balancing income and expense
Knowing our incode will help us create a budget.
A budget allows us to manage our living expenses.
Huabei = 花呗
take on debt = get into debt = 负债
For example:
They were poor but they never got into debt.
他们过去很穷，但从不负债。
pay off/repay/clear/settle/get out of debt = 还清债务
He had enough money to pay off his outstanding debt.
1.2 Increasing wealth
We can make our money work for us.
down payment = 首付款
Jessie make a down payment on a new smart TV during the Double 11 Shopping sale.
Jessie在双11购物节的时候支付了新款智能电视机的首付款。
balance = 余款
instaliment payment = 分期付款
lump sun = 一次性付清的余款
1.3 Prepare for the unexpected
We need to expect the unexpected.
Part 2：理财的秘密
2.1 Set goals
Financial goals vary widely from person to person.
short-term goals = 短期目标
long-term goals = 长期目标
2.2 Track expenses
2.3 Make a budget
We can make a budget or a spending plan.
religiously = regularly
a fixed income = 固定收入
a variable income = 可变收入
regular expenses = 固定支出
rational purchase = 理性消费
an impulse buyer = 冲动买家
projected budget = 计划预算
actual budget = 实际预算
tweak = 调整
a daunting task = 一项艰巨的任务
Part 3：理财之存钱与投资
3.1 Saving
The saving rates are higher in most Asian countries relative to European countries.
和欧洲国家相比，亚洲国家的储蓄比相对来说高得多。
It is never too early to start saving.
A penny saved is a penny earned.
Some professional planners advisse that people should set aside about 10% of their income each month.
You can try to use cash instead of a credit card or mobile payment.
2.3 Investment
We can't only rely on the money in our savings account.
conservative investors = 保守的投资者
aggressive investors = 积极的投资者
moderate investors = 温和的投资者
A financial planner can help us analyzer our investing style.
There are many different kinds of investments,such as stocks,bonds,funds and real estate.
常见的投资包括股票、债券、基金和房地产。
investment diversification = 分散投资
Don't put all your eggs in one basket.
不要把鸡蛋放在同一个篮子里/不要孤注一掷。
