Học tiếng anh qua bbc | Money and lifestyle – 6 Minute English

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Improve your English vocabulary and speaking with 6 Minute English! Do you worry about your standard of living when you retire? How much money do you …

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49 Comments

  1. BBC Learning English · Edit

    💰 Can money buy you happiness? 🤗
    Money which is used to free up your time makes you happier than money which is spent on material things, such as shoes, Canadian scientists have reported.
    Dan and Catherine teach you language you can use to discuss this story: https://www.youtube.com/watch?v=aEofCqWuCT0&t=17s

    Reply
  5. Alp Arslan · Edit

    Despite the fact I need to use a vpn to watch youtube videos, I try to find a working one here in Turkmenistan to watch interesting English videos to improve my listening and speaking skills. Your videos are so helpful. Thanks a lot. Sorry if I made mistakes

    Reply
  7. Phuong Tran · Edit

    I don’t know surely the meaning of idiom: live in blissful ignorance”. I make a sentence like as: I still live in blissful ignorance although my family’s company goes bankrupt. Is it right?

    Reply
  8. Kawin Ananpatanakul · Edit

    Transcript

    Note: This is not a word for word 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!

    Reply
  14. রাব্বিল আহমেদ · Edit

    I want to spoke english fluently.
    To get fluent,need more and more practice in speaking english.
    but I don't have any expert friend or guard to practice.
    So I need a friend.
    Is there anyone for practice speaking english?

    Reply
  28. Minh Ha Tran Thi · Edit

    our life always has involvement of money, and 4 factors: income, expenditure, assets, liabilities somtimes make us to be tired really. If you have money, not sure you will happy. But if you don't have money, you will not get happiness surely.
    Thank BBC Learning English for making me be interested in learning English everyday

    Reply
  30. จุฑามาศ ชูประดิษฐ์ · Edit

    Note: This is not a word for word 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!

    Reply
  34. Trang Nguyễn · Edit

    New words i learn
    Asset : money you own for an investment like gold, jewerly,…

    Expenditure: the output of money

    Cashflow forecast: the amount of money you predict to have in the future

    Give someone a hand : help

    Liability: money you have (in credit card, bank,…)

    Reply

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