生活百科10招打造理財(cái)行家

[視頻文本]
Learning how you spend your money can keep you from wasting it. Stop throwing money out the window with these smart moves.
You Will NeedRetirement account
Savings account
Cash
Willpower
Library card
Step 1: Take employer matching        擁有退休金
Take advantage of retirement funds your employer matches.

Step 2: Save money                到銀行存錢
Save your money in accounts that pay high interest.

Call your bank to see what high interest accounts are available.

Step 3: Buy appropriate amounts    適度消費(fèi)
Buy in bulk only if you consume in bulk. You are not saving money if what you buy in bulk eventually gets thrown away.

Step 4: Pay in cash             現(xiàn)金消費(fèi)
Pay in cash. You are wasting money when you spend time cutting coupons only to pay interest when you pay for your purchases with a credit card.

Step 5: Resist impulse purchases             拒絕沖動(dòng)消費(fèi)
Stop making impulse purchases. Ask yourself if you really need the item and if you can afford it. If you don’t really need it, use your willpower and avoid the unnecessary expense.

Do not buy items that you will not use just because they are on sale.
 
Step 6: Buy generic               拒絕品牌消費(fèi)
Buy generic brand items, such as prescriptions and groceries, instead of name brands.

Step 7: Cancel gym membership     取消健身卡
Cancel your gym membership if you are not using it, and walk or bike to get around.

Step 8: Quit smoking          戒煙
Quit smoking. Both your wallet and body will thank you.

Step 9: Get best insurance rates       恰當(dāng)保險(xiǎn)比例
Make sure you are getting the best insurance rates by calling your current carrier’s competition.

Step 10: Visit your library         充分利用圖使館
Visit your local library to rent music, books, and movies for free or for a minimal fee.

As of 2006, the federal government spent between $15 and $25 billion annually maintaining unused or vacant agency buildings.

[重點(diǎn)講解]

generic

    adj. 普通的；通用的
    n.1. (產(chǎn)品，尤指藥物 )無(wú)廠家商標(biāo)的；無(wú)商標(biāo)的

prescription

    n.1.藥, 治療方法
      The dispenser quickly filled the prescription for me.
      藥劑師立刻照處方為我配了藥。
      2.處方, 藥方
      The physician made a prescription against sea-sickness for him.
      醫(yī)生給他開(kāi)了個(gè)治暈船的藥方。

      3.開(kāi)處方, 開(kāi)藥

willpower

     n.意志力, 克制力
     She managed to stop smoking by sheer willpower.
     她全靠意志力戒了煙。

                                                                                 聽(tīng)力課堂網(wǎng)Nancy翻譯