Intermediate - Personal Finances (C2312)

A: 老婆,我发奖金了。
lǎopó, wǒ fā jiǎngjīn le.
Honey, I got my bonus.
B: 真的?多少啊?
zhēnde? duōshao a?
Really? How much?
A: 自己数。
zìjǐ shǔ.
Count it for yourself.
B: 哇,这么多。老公你真厉害。我明天就去银行存钱。
wā, zhème duō. lǎogōng nǐ zhēn lìhai. wǒ míngtiān jiù qù yínháng cúnqián.
Whoa, it's so much. Darling, you're really amazing. I'll go to the bank and deposit it tomorrow.
A: 你别老是存钱,也想想其他的理财方式。
nǐ bié lǎoshi cúnqián, yě xiǎng xiang qítā de lǐcái fāngshì.
You don't always have to deposit money. You should also think about other kinds of wealth management.
B: 其他的?炒股吗?现在股市这么不好,肯定赔钱。
qítā de? chǎogǔ ma? xiànzài gǔshì zhème bù hǎo, kěndìng péiqián.
Other methods? Stocks? The stock market is so bad right now. It'll definitely lose money.
A: 除了炒股,还有很多其他的啊,可以买基金,买国债,买保险。
chúle chǎogǔ, háiyǒu hěn duō qítā de a, kěyǐ mǎi jījīn, mǎi guózhài, mǎi bǎoxiǎn.
Besides stocks, there are lots of others. You can buy mutual funds, government bonds and insurance.
B: 我们一家三口都有保险,还买什么保险啊?
wǒmen yījiāsānkǒu dōu yǒu bǎoxiǎn, hái mǎi shénme bǎoxiǎn a?
The three of us in our family already have insurance. What other insurance can we buy?
A: 现在有理财型保险,不仅可以保值,还可以增值。
xiànzài yǒu lǐcái xíng bǎoxiǎn, bùjǐn kěyǐ bǎozhí, hái kěyǐ zēngzhí.
Nowadays there's investment style insurance. Not only can it retain value, it can gain value as well.
B: 那跟买基金差不多啊。
nà gēn mǎi jījīn chàbuduō a.
Then it's pretty much the same as buying mutual funds.
A: 具体的我也不太清楚。你有时间多了解了解吧。你这么聪明,肯定一学就会。
jùtǐ de wǒ yě bùtài qīngchǔ. nǐ yǒu shíjiān duō liǎojiě liǎojiě ba. nǐ zhème cōngming, kěndìng yī xué jiù huì.
I'm not so clear on the details either. When you've got time you should learn more about it. You're so smart, you'll get it right away.
B: 哎,好吧好吧。
ài, hǎo ba hǎo ba.
Oh, okay, okay.

Key Vocabulary

to receive (salary, bonus)
奖金 jiǎngjīn bonus
shǔ to count
厉害 lìhai amazing
存钱 cúnqián to deposit money
老是 lǎoshi always
理财 lǐcái wealth management
方式 fāngshì method
炒股 chǎogǔ to play the stock market
股市 gǔshì stock market
赔钱 péiqián to lose money
除了......还...... chúle ... hái ... besides... also...
基金 jījīn mutual fund
国债 guózhài government bonds
保险 bǎoxiǎn insurance
一家三口 yījiāsānkǒu a family of three
xíng style
不仅......还...... bùjǐn ... hái ... not only... also...
保值 bǎozhí to hold value
增值 zēngzhí to add value
具体 jùtǐ specific, detailed
了解 liǎojiě to understand
一......就...... yī ... jiù ... as soon as... then...

Supplementary Vocabulary

管理 guǎnlǐ to manage
财产 cáichǎn wealth
工资 gōngzī salary, wages
数字 shùzì number
数学 shùxué mathematics
股票 gǔpiào stock
投资 tóuzī to invest
国家公债 guójiā gōngzhài national debt
价值 jiàzhí value, worth
利息 lìxī interest (on a loan, etc.)
通货膨胀 tōnghuòpéngzhàng inflation

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