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@ 51465 理財
A: 海濤，有你的快遞。
Hǎitāo, yǒu nǐ de kuàidì.
Haitao, your delivery is here.
B: 哦。來了。
ò. lái le.
Oh, I'm coming.
A: 你買書啦？我看看，什麼書？《30年後，你拿什麼養活自己?》，講理財的？
nǐ mǎi shū la? wǒ kàn kan, shénme shū?《 sānshí nián hòu, nǐ ná shénme yǎnghuó zìjǐ?》, jiǎng lǐcái de?
You bought a book? Let me see, what book is it? “In 30 Years, How Will You Look After Yourself?”. It's about financial management, huh?
B: 高手！一看書名就知道。
gāoshǒu! yī kàn shūmíng jiù zhīdào.
You're good! One look at the title, and you know what it's about.
A: 我最近也一直在關注理財方面的東西。現在我除了財經頻道，什麼都不看。
wǒ zuìjìn yě yīzhí zài guānzhù lǐcái fāngmiàn de dōngxi. xiànzài wǒ chúle cáijīng píndào, shénme dōu bù kàn.
I've been paying a lot of attention to financial stuff as well these days. Recently, I don't watch anything but the finance and economics channel.
B: 俗話說：你不理財，財不理你。我們就拿點死工資，未來的職業發展也很有限。不多想點路子，以後拿什麼養老啊。
súhuà shuō： nǐ bù lǐ cái, cái bù lǐ nǐ. wǒmen jiù ná diǎn sǐ gōngzī, wèilái de zhíyè fāzhǎn yě hěn yǒuxiàn. bù duō xiǎng diǎn lùzi, yǐhòu ná shénme yǎnglǎo a.
As the saying goes, if you don't pay attention to money, money won't pay attention to you. We get such measly salaries, and there's a limit as to how far you can develop your career. If you don't think of something, you won't have much of a retirement.
A: 對啊！把錢存銀行多傻啊，眼睜睜看著貶值。只有把錢用來投資，錢生錢，才有好日子過。
duì a! bǎ qián cún yínháng duō shǎ a, yǎnzhēngzhēng kàn zhe biǎnzhí. zhǐyǒu bǎ qián yònglái tóuzī, qián shēng qián, cái yǒu hǎo rìzi guò.
That's right! Saving money in the bank is stupid. You just sit there watching it devalue. Only if you invest your money, and turn it into more money, will you finally be financially comfortable.
B: 那你現在開始投資了？
nà nǐ xiànzài kāishǐ tóuzī le?
Then have you started investing now?
A: 前兩年我看基金不錯，買了點，不過後來就不行了。
qiánliǎngnián wǒ kàn jījīn bùcuò, mǎi le diǎn, bùguò hòulái jiù bùxíng le.
A few years ago, I saw that investment funds were doing quite well, and I invested a little bit. After that, I hardly made anything though.
B: 你賣掉了？
nǐ màidiào le?
Did you sell them?
A: 還沒呢。我買的是三年期的定投，每個月存個幾百塊，而且是穩健型的，虧也虧不到哪兒去。等到期了，如果行情不好，我就賣掉換其他投資產品。
hái méi ne. wǒ mǎi de shì sān nián qī de dìngtóu, měi ge yuè cún ge jǐ bǎi kuài, érqiě shì wěnjiàn xíng de, kuī yě kuī bùdào nǎr qù. děng dàoqī le, rúguǒ hángqíng bù hǎo, wǒ jiù màidiào huàn qítā tóuzī chǎnpǐn.
No, not yet. I bought a 3 year fixed investment, and I put in a few hundred a month. Also, it's the stable kind – if I lose anything, I won't lose much. When it's finished, if the market isn't good, I'll just sell them and invest in some other products.
B: 嗯。哎，其實前兩年買房升值最快了，都翻了好幾倍了。我有一朋友，幾年前買了房就拿去抵押貸款再買，就靠著這模式，這傢伙手上都有十幾套房子了。
ng4. āi, qíshí qián liǎng nián mǎi fáng shēngzhí zuì kuài le, dōu fān le hǎo jǐ bèi le. wǒ yǒu yī péngyou, jǐ nián qián mǎi le fáng jiù ná qù dǐyā dàikuǎn zài mǎi, jiù kào zhe zhè móshì, zhè jiāhuo shǒushang dōu yǒu shí jǐ tào fángzi le.
Oh. Hey, actually housing prices rose the most they ever have these last few years. They more than doubled. I have a friend who bought an apartment a few years ago, then went and took out a mortgage loan and bought another one. He just followed this pattern and now he has more than a dozen apartments.
A: 哇，那他這輩子吃喝不愁了。
wā, nà tā zhèbèizi chī hē bù chóu le.
Wow. Well, he'll certainly have a good life.
B: 哎，羨慕啊！你說，我怎麼沒那麼好的眼光呢。
āi, xiànmù a! nǐ shuō, wǒ zěnme méi nàme hǎo de yǎnguāng ne.
I'm so envious! Why couldn't I have foresight like that?
A: 等我們知道了，不是買不起，就是跌得你不敢買。前兩年，我被朋友鼓動了去炒股，結果我一入市，股市就跌不停。
děng wǒmen zhīdào le, bùshì mǎibuqǐ, jiùshì diē de nǐ bù gǎn mǎi. qián liǎng nián, wǒ bèi péngyou gǔdòng le qù chǎogǔ, jiéguǒ wǒ yī rùshì, gǔshì jiù diē bù tíng.
Once we know, we either can't afford it, or it's dropped so much, we don't dare to buy it. Two years ago, a friend of mine got me to invest in the stock market. In the end, the minute I invested in anything, it just wouldn't stop dropping.
B: 聽說現在買黃金不錯，金價日日飆升。
tīngshuō xiànzài mǎi huángjīn bùcuò, jīnjià rìrì biāoshēng.
I heard buying gold isn't a bad idea right now. The price of gold is skyrocketing every day.
A: 算了吧，這消息連路人甲都知道，就沒有含金量了。你看吧，過段時間，準跌。
suàn le ba, zhè xiāoxi lián lùrénjiǎ dōu zhīdào, jiù méiyǒu hánjīnliàng le. nǐ kàn ba, guò duàn shíjiān, zhǔn diē.
Forget that. Everyone knows about it. There's nothing new there. You'll see, in a little bit, it will drop too.
B: 那就買保險吧，肯定不會跌。
nā jiù mǎi bǎoxiǎn ba, kěndìng bùhuì diē.
Then just invest in insurance. That definitely won't drop.
A: 你別受那些所謂的專家們的影響。保險公司都不正規，而且不跌的另外一面是不賺。既然不賺，我幹嗎要投資？
nǐ bié shòu nàxiē suǒwèi de zhuānjiā men de yǐngxiǎng. bǎoxiǎn gōngsī dōu bù zhèngguī, érqiě bù diē de lìngwài yī miàn shì bù zhuàn. jìrán bù zhuàn, wǒ gànmá yào tóuzī?
You shouldn't let those so-called experts influence you so much. Insurance companies aren't standard at all. Also, another aspect of not dropping, is not earning any money. If they don't earn any money, why should I invest in them?
B: 那你有什麼高見？
nà nǐ yǒu shénme gāojiàn?
Well, what's your idea then?
A: 理財絕對不能跟風。現在我要專門尋找那種普通人沒有發現的商機，然後瞄準機會，放手一搏。
lǐcái juéduì bùnéng gēnfēng. xiànzài wǒ yào zhuānmén xúnzhǎo nà zhǒng pǔtōngrén méiyǒu fāxiàn de shāngjī, ránhòu miáozhǔn jīhuì, fàngshǒuyībó.
When it comes to finances you absolutely cannot just follow the trends. Right now, I'm going to specifically seek out those kinds of business opportunities that normal people haven't realized, then I'll set my sights and give it my all.
B: 萬一打了水漂怎麼辦？
wànyī dǎ le shuǐpiāo zěnme bàn?
What will you do if you invest all this money and get no return?
A: 呸呸呸，你可別咒我！
pēi pēi pēi, nǐ kě bié zhòu wǒ!
Knock on wood! Don't jinx me!
Key Vocabulary
理財 lǐcái financial management
財經 cáijīng economics and finance
路子 lùzi method, way
養老 yǎnglǎo to support in old age
眼睜睜 yǎnzhēngzhēng right before ones eyes
基金 jījīn fund
定投 dìngtóu fixed investment
穩健型 wěnjiàn xíng stable type
行情 hángqíng market situation
翻倍 fānbèi to multiply
抵押 dǐyā mortgage
模式 móshì pattern, style
愁 chóu to worry about
眼光 yǎnguāng foresight
鼓動 gǔdòng to incite, to instigate
飆升 biāoshēng to skyrocket, to go up dramatically
路人甲 lùrénjiǎ extra in a movie
含金量 hánjīnliàng to contain value
所謂 suǒwèi so-called
正規 zhèngguī regular, according to standards
高見 gāojiàn idea
跟風 gēnfēng to follow trends
商機 shāngjī business opportunity
瞄準 miáozhǔn to aim at
放手一搏 fàngshǒuyībó to go all out
打水漂 dǎ shuǐpiāo to have been wasted
咒 zhòu to curse, to jinx
Supplementary Vocabulary
發愁 fāchóu to be anxious
飆車 biāochē to drag race
群眾演員 qúnzhòng yǎnyuán movie extra
高明 gāomíng wise
打靶 dǎbǎ to shoot at a target
詛咒 zǔzhòu to curse
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