TỪ VỰNG CHỦ ĐỀ MONEY {kèm các THÀNH NGỮ, COLLOCATION rất hay}
🍄PHẦN THÀNH NGỮ
- money doesn’t grow on trees = said to warn someone to be careful how much money they spend, because there is only a limited amount: tiền không mọc từ trên cây → không nên tiêu pha quá nhiều tiền, vì tiền chỉ có hạn
- bread and butter = a job or activity that provides you with the money you need to live: kế sinh nhai, công việc giúp bạn trang trải cuộc sống
- bring home the bacon = supply material provision or support; earn a living: kiếm tiền về nuôi sống gia đình
- born with a silver spoon in your mouth = born into a very wealthy family: sinh ra đã ngậm thìa bạc → được sinh ra trong 1 gia đình giàu có
- a penny saved is a penny earned = is a way of saying that one should not waste money but should save it, even if little by little: một xu tiết kiệm cũng chính là một xu làm ra, không nên tiêu xài hoang phí
- an arm and a leg = a lot of money: đắt đỏ
- break the bank = cost too much: rất đắt, rất tốn kém
- easy money = money that is easily and sometimes dishonestly earned: tiền dễ kiếm, bạn không cần tốn quá nhiều công sức để kiếm
- foot the bill = to pay for something, esp. something expensive: chi trả ...
- on the breadline = very poor; with very little money to live on: cuộc sống rất khó khăn, nghèo khổ
- pay your (own) way = pay for everything yourself without relying on others: tự chi trả
🍄PHẦN TỪ VỰNG CHUNG
- to save for the future: tiết kiệm cho tương lai
- to save for retirement: tiết kiệm cho việc nghỉ hưu
- to get out of debt: thoát khỏi nợ nần
- a solid credit score: điểm tín dụng tốt
- long-term financial goals: mục tiêu tài chính dài hạn
- to take control of your finances: kiểm soát tài chính của bạn
- financial success: thành công tài chính
- long-term savings: tiết kiệm dài hạn
- to overspend: chi tiêu quá mức
- to set up a budget: lập ngân sách
- to make adjustments where necessary: thực hiện các điều chỉnh khi cần thiết
- your net income after taxes: thu nhập ròng của bạn sau thuế
- to pay off debt: trả nợ
- a huge financial burden: một gánh nặng tài chính lớn
- to become financially independent: trở nên độc lập về tài chính
- an emergency fund: quỹ cho các trường hợp khẩn cấp
- to cut your monthly expenses: cắt giảm chi phí hàng tháng của bạn
- high-interest credit card debt: nợ thẻ tín dụng lãi suất cao
- to make ends meet: kiếm sống, xoay sở cho đủ sống
- student loans: khoản vay cho sinh viên
👉PHẦN VÍ DỤ: Page mình xem tại đây nhé https://ielts-nguyenhuyen.com/tu-vung-chu-de-money/
Chúc page mình học tốt nè <3
#ieltsnguyenhuyen
同時也有1部Youtube影片,追蹤數超過22萬的網紅香港花生,也在其Youtube影片中提到,來源視頻 和 金融原理解釋,見本頁頁底。 ----------- 網上討論會 (請在本視頻的議論欄發言。有見地的內容,我會抄貼到這裏下面。) 討論會題目﹕ 假如郭文貴關於港幣貶值的預言屬實,港府(如突然敢冒大不諱行駛基本法賦與的高度自治權)可以做什麼,來挽救廣大市民,避免或減少損失? ^^^^^^^...
long-term debt 在 傅麗玲 Cindy Po Facebook 的精選貼文
感恩所有报馆的报道 🙏
谢谢 💓 丽玲姐姐爱你们 🥳
抗疫时期应有✅的理财💰知识
谢谢南洋商报 💓 南洋商报 Nanyang Siang Pau
https://www.enanyang.my/北马/槟财务规划委员会-711联办中文理财论坛
谢谢中国报 💓 China Press (中國報)
http://penang.chinapress.com.my/20210630/%E7%96%AB%E6%83%85%E4%B8%8B%E7%9A%84%E7%90%86%E8%B4%A2%E7%9F%A5%E8%AF%86%E8%AE%BA%E5%9D%9B-711%E7%BA%BF%E4%B8%8A%E7%BA%A6%E5%AE%9A%E6%82%A8/
谢谢 光华报 💓 光华日报 Kwong Wah Yit Poh
https://www.kwongwah.com.my/20210630/%E6%8A%97%E7%96%AB%E6%97%B6%E6%9C%9F%E5%BA%94%E6%9C%89%E7%9A%84%E7%90%86%E8%B4%A2%E7%9F%A5%E8%AF%86%E8%AE%BA%E5%9D%9B%E7%BA%A6%E5%AE%9A%E6%82%A8%EF%BC%81/
谢谢光明日报 💓 Guangming Daily-光明日报
https://guangming.com.my/%e6%aa%b3%e8%8f%af%e9%9d%92%e5%9c%98%e7%90%86%e8%b2%a1%e8%ab%96%e5%a3%87-%e8%ab%96%e7%96%ab%e6%9c%9f%e7%90%86%e8%b2%a1%e5%8e%9f%e5%89%87%e7%9f%a5%e8%ad%98
谢谢 💓
https://cforum.cari.com.my/forum.php?mod=viewthread&tid=4284590&extra=
谢谢 💓
https://hotlah.cari.com.my/portal.php?mod=view&aid=154665
谢谢 星州日报 💓
https://www.sinchew.com.my/content/content_2511737.html
谢谢 💓 南洋商报 - 北马区
https://www.enanyang.my/北马/不仅储蓄-投资也是理财
谢谢 💓 The Star The Star
https://www.thestar.com.my/metro/metro-news/2021/07/15/pandemic-driven-financial-habits
Facing financial problems during the fighting periods against the pandemic
Dr Tan Chuan Hong: Welcome to free registration for attending 711 Mandarin Personal Financial Planning Forum.
The Chairman of the Malaysian Financial Planning Council Penang Chapter, Dr. Tan Chuan Hong urged the public to register to join the forum which will be held on July 11 (Sunday) at 2:30 pm. The forum “Knowledge, Attitude and Implementation of Personal Financial Planning during the Fighting Period against the Pandemic" is organised by Penang Chinese Town Hall Youth together with live broadcaster "Ling Listening to Your Heart".
He said that during the fighting period of more than a year against the pandemic, many people are facing financial pressures and suffering from mental illnesses such as depression, and there is a gradual increase in them.
Dr Tan Chuan Hong said that beside public hope that the government can give more assistance and revitalization packages to assist them, the council also hopes to provide more correct and positive financial management knowledge through this Personal Financial Planning forum. So that, the public can have a broader and long-term vision to deal with their own financial problems, whether it is to increase income and reduce expenditure, relieve debt pressure, prudent and smart investment or asset allocation and other arrangements as well as have a better understanding and wise decision-making.
"In terms of financial management attitude, we should handle financial crisis more carefully, and at the same time avoid overconfidence and fluke mentality to seek for opportunities of rapid gaining investment.”
Dr Tan Chuan Hong hopes that through this Personal Financial Planning forum, people can have a more rational attitude and strive to reduce emotional consumption when implementing their own money and avoid falling into investment scams with smarter financial management.
In addition, Penang Chinese Town Hall Youth YouTalk Online Bureau Chief said that the online live broadcast sharing session planned by Penang Chinese Town Hall Youth will mainly discuss about public welfare content related to citizens' awareness.
This is the sixth event which was also co-organized by the Penang Chapter of MFPC collaborated with famous artist Cindy Po 傅丽玲 ; and an interview will be carried out among Deputy President of Malaysian Financial Plaining Council Dr Chong Kok Fei who is also a Financial Education Manager of AKPK together with Chairman of MFPC Penang Chapter and Certified MFPC Trainer Dr Tan Chuan Hong.
Those who are interested in participating in this online Personal Financial Planning online forum can register for free (for the public) https://1st.mfpc.org.my/PublicEventRegistration/280, and (for MFPC members) through https://1st.mfpc .org.my and will get 2 CPDs points.
long-term debt 在 ลงทุนแมน Facebook 的精選貼文
กรณีศึกษา ธนาคารออมสิน กำลังดิสรัป ธุรกิจนอนแบงก์ /โดย ลงทุนแมน
ตลอดระยะเวลาที่ผ่านมา..
หนึ่งในความท้าทายของสถาบันการเงินในประเทศไทย
ก็คือการที่บริษัทเทคโนโลยียักษ์ใหญ่จากต่างประเทศ
เริ่มผันตัวเข้าสู่ธุรกิจการเงิน
...Continue ReadingCase study of the piggy bank. Displaying the business to sleep bank / by investing man.
Throughout the past period..
One of the challenges of financial institutions in Thailand.
It's about the big tech companies from foreign countries.
Starting to go into business finance.
This has started to happen in Thailand recently.
Whether it's a loan release from a car app like Grab.
Or Shopee Interest Payment Installment Service
However, players who are originally in financial institutions will also try to break into new business involved.
And one of those players is named a piggy bank..
A piggy bank will enter into a business of releasing loans, pawns, license plates, and personal loans. Normally, these loans will have non-bank financial institutions, aka sleep bank, the main player.
So what challenge is the piggy bank with the same player?
Invest man will tell you about it.
╔═══════════╗
Experience new technology from Startup Thai Blockdit
Blockdit is a platform of source of thinkers
At the moment, update the situation in the video article form.
Including podcasts to listen on the go.
Try it out at Blockdit.com/download
╚═══════════╝
Recently..
Piggy Bank just appointed a new Director of Bank
It's Mr. Vithai Rattanakorn which is the 17th Director of Bank.
Since the bank was founded for 107 years.
After taking the position of Mr. Witthai Rattanakorn
Well, strategize the piggy bank as Social Bank.
Or full social bank
One of the announced strategies is to bring the piggy bank into the sleep bank business.
Whether it's personal loan, credit card, cash card and car registration loan.
And recently, the piggy bank has just launched a loan, pawn, car and motorcycle registration.
Interesting thing is that banks will lower interest rates to lower than they are in the market.
Which is likely to drop by half or around 10-14 % per annum.
For causes to downgrade, the bank reasoned that the pawn-license type loan is the source.
Another loan that the foundation citizens or low income people use the service.
While what was still a problem all the time, the people foundations didn't reach the loan in the system.
And loans from outside the system with interest rate of 40-50 % per annum
And even if some people have access to the loan in the system, we will find out that the interest rate sleeps the bank.
Still slightly higher than average commercial bank interest rate.
So how high is the sleep bank business interest rate ceiling?
16 % credit card interest
25 % cash press card interest
24 % interest pawn car license plate
Each company has different interest rates.
For example,
MTC and SAWAD business, pawn, license plate.
A slightly lower interest rate charge below the highest ceiling.
While credit card companies like KTC and AEONTS score interest rates at highest ceiling.
Surely if the piggy bank issued a loan at a lower interest rate than the market.
It's going to put pressure on other players in the system to tend to lower interest rates to compete with piggy banks.
That means the profits of these companies will decrease in the long term.
And that will lead to a fundamental assessment of the company's value that has changed from the same.
However, the issue is still mindful is risk management under lower interest rates.
How does the piggy bank have a criteria for recruiting debtors and controlling the amount of debt?
This is also one interesting move.
Because the business of sleeping bank is a business that enjoys interest rate and high loan.
While financial costs are low because of interest, the policy has been low for a long time.
In the past, no one dare to reduce the interest collected from customers.
There are only banks of Thailand with supervisory duties. Order to reduce interest ceiling.
And of course, it's a piggy bank sleepout business this year.
It will become another challenge that these companies have to face. No more or less..
╔═══════════╗
Experience new technology from Startup Thai Blockdit
Blockdit is a platform of source of thinkers
At the moment, update the situation in the video article form.
Including podcasts to listen on the go.
Try it out at Blockdit.com/download
╚═══════════╝
Follow the investment man at
Website - longtunman.com
Blockdit-blockdit.com/longtunman
Facebook-@[113397052526245:274: lngthun mæn]
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References
- The official website of the Piggy Bank.
- Bank of Thailand
-https://www.thairath.co.th/news/business/finance-banking/1907432
-https://www.bangkokbiznews.com/news/detail/890908Translated
long-term debt 在 香港花生 Youtube 的最佳解答
來源視頻 和 金融原理解釋,見本頁頁底。
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網上討論會
(請在本視頻的議論欄發言。有見地的內容,我會抄貼到這裏下面。)
討論會題目﹕
假如郭文貴關於港幣貶值的預言屬實,港府(如突然敢冒大不諱行駛基本法賦與的高度自治權)可以做什麼,來挽救廣大市民,避免或減少損失?
^^^^^^^^^^今後, 以上管叫[總題目]^^^^^^^^^^
F (Zen Gong指 1. 中國銀行發鈔,有可能背後的美元儲備有水份。2. 發鈔量是美元儲備的4.2倍。 )
1. Money Supply M2 in Hong Kong is $14,063 billion HKD in August 2018. HK's Foreign Exchange Reserves is $424.8 billion USD in August.
https://tradingeconomics.com/hong-kon...
https://tradingeconomics.com/hong-kon...
The problem is: the figures are provided by all banks based on a honest system. HSBC & HK Chartered Bank are British banks they would play by the rule. But China Bank (HK)'s $USD reserve is in HK or Beijin? as part of China's $USD? i.e. they can have no $USD at all in HK. M1 are bank notes, bank credit & plastic monies, M2/M3 include short/long term credit. They can switch between easily that make auditing extremely difficult.
2. In HK's Foreign Exchange Reserve basket the composition mainly (80+% by IMF rule) is $USD, rest are Euro, Yen and Yuan. The fixed rate is a 7.8. The $USD reserve is USD$424.8 billion and HK's M2 money supply is HK$14,063 billion in August. The variable/unpegged rate should be HK$14,063/US$424.8=33.1 not 7.8 today. Or, USD $424.8B x 7.8= HK $3,313 billion its USD reserve can support, not HK$14, 063 billion M2. HK printed 4.2 times monies it should, not including M3 (long term credit) and figures provided by banks might be grossly exaggerated.
E (KIU WAI LAM 提供一些具體數字)
香港最新外匯儲備資產數字
香港金融管理局(金管局)2018年10月5日(星期五)公布,香港於2018年9月底的官方外匯儲備資產為4,264億美元(2018年8月底為4,248億美元)(附件)。
連同未交收外匯合約在內,香港於2018年9月底的外匯儲備資產為4,188億美元(2018年8月底為4,172億美元)。
為數4,264億美元的外匯儲備資產總額,相當於香港流通貨幣約7倍,或港元貨幣供應M3約46%。
D (原來“ 路德社”頻道有更專業和深入的討論,我請你請參考)
連結: https://youtu.be/Tx7oY042u7g
10/13/2018 路德时评(对冲基金大佬良心小哥):这几天大量突增的对港币维稳的洗脑文章,以及12日港财政司司长突赴京与央行行长商讨对策,港币是否能夠撐的住?(普通話)
點題:
1. 設郭文貴說白港幣將貶值的(中國日期)10月10日是day 1; days 2 & 3 立刻發生幾件事:(i)國內有貌似專業的長文講港元不會同美元脱鈎, 被容許發表;但列舉了香港M0, M1, M3的數字, 偏偏不提最相關的M2。(ii)財政司司長陳茂波赴京見中央銀行行長易綱, 但報導非常簡短,耐人尋味; 可能反映他們要暗示中央會為港元托底, 但又不敢說白有危機。
2. 全面回顧了1997年索羅斯狙擊港元的歷史, 及其意義, 又指出事前事後北京可都視索羅斯為"中國的老朋友", 貴為上賓。
3. 嘉賓講者特別提出, 索羅斯狙擊英鎊和其他金融操作佳績連年, 當年狙擊港元卻要敗退, 是中共津津樂道的威水史, 但是, 剛剛以非法交易罪宣判郭文貴的政泉公司案罰款600億人民幣破了全球有史以來最高罰金的紀錄, 卻無大吹大擂, 是盜國賊自知理虧, 底氣不足, 缺乏自信, 末日近矣。
4. 1:21:00有網友問港府可不可以禁止做空港幣, 算是對下面A貼的[總題目]的一個回答, 嘉賓講者以A3的邏輯回答。從路德的總結, 又可推算即使港府敢開徵「炒港幣稅」, 中共也麻煩,因為暴露了盜國賊違法造成港幣超發來吸金,將斷了這條吸金的通道,配合當世界出現其他反共招數的時候, 中共少了這金融“後援”, 會加速潰敗。這也局部回答了A5的道德兩難的困惑。
C (明杜志可算是回應以下的A4點)
1. hk foreign reserve got only 300 billion us dollars
2. 沖唔到港元架,香港有2萬億港元再加銀行體糸可以回撥,金管局可以下令唔借港元比外資沽空,其實97金融風暴已經沖過,佢地沽港股抽高個息再沽港元,結果佢地都係輸住走,如果甘易沽到港元脫勾,港元一早脫左啦
B (Eric Chan 可算是回應以下的A5點)
身為香港人, 雖然唔情願港紙遭受狙擊, 但若一時陣痛換來長治久安, 香港人亦唯有默默承受!!
[從這裏開始,... 的符號表示原文已大幅刪節,因為Youtube說明欄的上限是5000字符,業已超過。請到Tsui Hon Kwong頻道和花生台本視頻的留言欄閱讀全文。]
A (我自己來開個頭)
Tsui Hon Kwong: 港府可以宣佈徵收「炒港幣稅」!細節如下。
1. 把正常經濟活動和炒買炒賣港幣兩種行為分開。再細節,1.1 例如,...如能開具證明,是正常經濟活動所需,不在規管範圍之內。...1.2 怎樣防止假證明?...尤其是,盜國賊最清楚是他們自己造假或行賄造成港幣超發的,...他們深知加入炒賣必賺,就會出盡法寶假扮是正常經濟活動;...。在個難題上,仍有待大家...。
2. 把炒港幣的潛在利潤,用稅收抽走。再細節,2.1 某個銀碼以下的兌換,保留免稅,...。那麼,界線該劃在哪裏好呢?我認為在一千萬美元左右較恰當。...。2.2 稅率多少才好?至少要同潛在利潤掛鈎,...。
3. 徵收「炒港幣稅」會不會沾污香港是自由貿易港的美名,影響到經濟步向蕭條?...
4. 「炒港幣稅」是否有效?是不是有重大缺失,根本不可行?...
5. 道德兩難問題﹕一方面,郭文貴認為港幣貶值將在中共倒台、全國實現民主法治的過程中起得到關鍵作用,...。另一方面,最避不開港幣大貶值的是...基層人民...;整體經濟、民生發展、方方面面都會出現極大困難;再...漫延到全國,以致郭文貴都說﹕「...我心裏很難受,我跨不過那個坎,因為我看到這些行動真的在實踐中,我真的很難受。...,好幾次我在陽台...,眼淚就掉下來,受不了呀。」...這,就是道德兩難:找方法避免貶值或減弱貶值及其帶來的損失,是道德的嗎?...
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詞語解釋(出場序)
CCP ----- 中國共產黨, China Communist Party
Kayle Bass ----- 美國對沖基金經理人。Wikipedia: In 2008, Bass successfully predicted and effectively bet against the U.S. subprime mortgage crisis by purchasing credit default swaps on subprime securities which, in turn, increased in value when the real estate bubble burst.
Bass has made prominent bets on Japan, European sovereign debt and, most recently, China. He has also given his expectations regarding the economic future of Japan and Argentina.
P2P ----- peer to peer, 一種網路借貸平臺,由非政府、非銀行的機構集資,答應投資人優厚利率,然後貸款給需要資金的企業或個人。幾年前中共許多官員為這些新興的金融機構站台,從民間圈到許多資金。數月前國內大量P2P公司倒閉或負責人挾款失蹤,令投資者血本無歸。論者認為都是被貪官掠去了。
泛亞 ----- 如上,也是國內一間集資公司,許多官員向全國公眾推薦,說既安全、回報又高。幾年前又倒閉,令許多投資者賠上畢生積蓄。論者認為都是被貪官掠去了。
民族證券 ----- 郭文貴在國內的公司之一。損害郭的利益的目標之一。盜國賊殘害其員工,掠奪其資產;都是為了要脅郭就範,迫他停止點名揭露諸如王歧山等盜國賊的違法網絡和罪行。
徐明 ---- 冤案主角, 大連實德集團董事長, 2013年因涉薄熙來案,獲刑入獄, 作為污點證人指證薄熙來貪腐, 獄中表現良好, 提前釋放, 但在即將獲釋前猝死
李明 ----- 冤案主角, 著名影视公司小马奔腾董事长,涉公安部副部长李东生案被带走协助调查,官方说李明在询问中情绪激动,注射了镇静剂之后不治身亡。
雷洋 ----- 冤案主角, 北京便衣警察懷疑市民雷洋有嫖娼行為,在拘捕過程中雷洋逃脫後被再次拘捕,押解途中雷洋死亡。次日,該事件發布到網絡,引起了輿論的廣泛關注。官方說他是因為自瀆而死
「我的弟弟」----- 郭文貴、他弟弟和另一個女性家人(可能是嫂嫂)是1989年支持天安門學生運動的北京市民之中的三個。三人被捕,警局中有警員拔槍要殺女家人,他弟弟撲過去保護她,中彈,失救而死。
孟建柱 ----- 郭文貴揭露違法罪行的四名頭號盜國賊之一。
王樂泉 ----- 中共官員,官至中共中央政治局委员,新疆維吾爾自治區黨委書記。2010年被中共免去在新疆的所有職務。现任中国法学会会长。
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