00:01
At some point, you will have to go to the bank to handle business, whether in person or online.
總有一天，你必須親自或透過線上到銀行處理業務。
00:10
On today's English lesson, I am going to teach you some beginner level English
在今天的英文課上，我將教你一些初級的英文
00:17
vocabulary words to help you talk about banking.
詞彙，幫助你談論銀行業務。
00:24
Well, hello all of my students.
大家好，我所有的學生們。
00:25
I hope you're having a fantastic day.
希望你們有個美好的一天。
00:31
My [snorts] name is Jay.
我叫 Jay。
00:32
I want to welcome all of my new subscribers to the channel where I have the opportunity to help you
我想歡迎所有新訂閱者來到這個頻道，在這裡我將有機會幫助你
00:37
to improve your English comprehension, vocabulary, and your English fluency.
提升你的英文理解力、詞彙量以及英文流暢度。
00:46
So, as I just stated, I will be teaching you some English vocabulary words that
因此，正如我剛才所說，我將教你一些英文詞彙，
00:53
you can use at the bank.
你可以在銀行使用。
00:58
And as always, we're going to have some learning and some laughter.
一如既往，我們將會寓教於樂。
01:03
And so I want you to get ready to dive into today's lesson.
所以，我希望你準備好進入今天的課程。
01:10
If you need to be sure to turn on those subtitles and you can still follow
如果你需要，請務必開啟字幕，這樣你仍然可以跟上進度。
01:14
along.
好的，讓我們開始今天的課程。
01:15
Okay, let's dive into today's lesson.
第一個單字是 deposit。
01:19
The first word is deposit.
請跟我一起唸。
01:24
Say that with me.
deposit。
01:25
So, a deposit is simply money you put into a bank account.
deposit 簡單來說就是你存入銀行帳戶的錢。
01:27
deposit.
deposit。
01:38
Money you put into a bank account.
你存入銀行帳戶的錢。
01:42
So, you might say, "She makes a $3,000 deposit
所以，你可能會說：「她每個月存入 3,000 美元。」
01:46
every month." Say that with me.
請跟我一起說。
01:51
She makes a $3,000
她每個月存入 3,000 美元
01:56
deposit every month.
存款。
02:01
So when I was younger, I remember working my first job.
所以，我年輕的時候，記得我第一份工作。
02:08
It was at a place called Sizzler.
那是在一個叫 Sizzler 的地方。
02:11
It was a rest restaurant and I was a waiter.
那是一家餐廳，我是個服務生。
02:16
And some of my earned income came through cash tips.
我的一些收入是透過現金小費賺來的。
02:24
I would get tips from patrons or customers that ate at the restaurant.
我會從光顧餐廳的顧客或客人那裡收到小費。
02:28
I would bring them food, bring them drinks, clean up their table, and just be
我會為他們送餐、送飲料、清理他們的桌子，並且待人親切。
02:34
Then they would give me a paper check, [laughter] and we would sign the back and take it
然後他們會給我一張支票，[笑聲] 我們會在背面簽名，然後拿到
02:41
to the bank to make a deposit.
銀行存入。
02:44
Now, people get direct deposit.
現在，人們有直接存款。
02:51
You don't even get a paper check.
你甚至不會收到紙本支票。
02:53
They just put the funds in your money electronically
他們只是將資金透過電子方式存入你的帳戶
02:56
and you go and check online or on the app of your choice to distribute or use
你可以上網或透過你選擇的應用程式查看，以分配或使用
03:05
your funds.
你的資金。
03:09
So the times have changed but people still make deposits.
所以時代變了，但人們仍然存款。
03:14
The next word is withdrawal.
下一個詞是 withdrawal。
03:18
Withdrawal.
Withdrawal。
03:21
So when a person withdraws money, it's money you take out of your account.
所以，當一個人 withdraw money 時，就是你從帳戶中取出的錢。
03:30
Money you take out.
你取出的錢。
03:34
So, you might say he made a withdrawal at the ATM on Monday and Thursday.
所以，你可能會說他在星期一和星期四的 ATM 做了提款。
03:44
And so, people make withdrawals different ways.
所以，人們用不同的方式提款。
03:47
You know, some people use Cash App or Vinmo or one that I don't use, Zale.
你知道，有些人使用 Cash App 或 Vinmo，或者一個我不使用的應用程式 Zale。
03:58
So, people take money out of their account in various ways, but back when I was
所以，人們用各種方式從他們的帳戶中取錢，但在我年輕的時候，
04:02
younger, you could either write a check, go to an ATM, or go directly to the
你可以寫一張支票、去 ATM，或直接去銀行。
04:11
bank.
我最近和我指導的一些教會裡的年輕人在一起，我問他們：「你們有多少人有支票簿？」>> [笑聲] >> 沒有人有支票簿。
04:12
I recently was with some of the kids that I mentor at uh my church and I asked them, "How many of you have a
只有老一輩的人還在使用支票。
04:21
checkbook?" >> [laughter] >> Nobody had a checkbook.
我可以想像，大多數年輕人甚至不知道如何寫支票。
04:28
Only the older folks still use checks.
好的。
04:31
I could imagine that most young people don't even know how to write a check.
你有支票簿嗎？
04:40
Do you have a checkbook?
你有支票簿嗎？
04:40
Do you still write checks?
你還會寫支票嗎？
04:42
[laughter] Let me know down in the comments section.
[笑聲] 在下方的留言區告訴我。
04:47
That used to be a popular way to withdraw money from your account.
那曾經是從你的帳戶提款的一種流行方式。
04:54
Okay, here's a tricky word.
好的，這裡有一個有點難的詞。
05:00
It's basic, but it's still tricky.
這是基本詞，但仍然有點難。
05:02
Say that with me.
跟我一起唸。
05:03
Balance.
Balance.
05:07
Balance.
Balance.
05:09
Now, a balance is the amount of money in your account.
現在，餘額是指你帳戶裡的金額。
05:14
So, your balance could be $200.
所以，你的餘額可能是 200 美元。
05:15
Your balance could be $13,00050.
你的餘額可能是 13,050 美元。
05:21
Or your balance could be $1.
或者你的餘額可能是 1 美元。
05:27
So, it's the amount of money in your account.
所以，這是你帳戶裡的金額。
05:29
So, you might say Gerald used his phone to check his balance online.
因此，你可能會說 Gerald 用他的手機在線上查詢他的餘額。
05:39
Let's read and repeat this sentence.
讓我們一起讀並重複這個句子。
05:41
Gerald used his phone to check
Gerald 用他的手機查詢
05:50
his balance online.
他的線上餘額。
05:56
I remember a time to where we didn't have online access to check our
我記得以前無法線上查詢餘額的時代。
06:04
The bank would give you a phone number [laughter] and you would call the phone number and
銀行會給你一個電話號碼，你打那個電話號碼，
06:12
you would enter in your account number.
輸入你的帳戶號碼。
06:15
You would enter in a pin code and you would listen to a machine that would
輸入你的 PIN 碼，然後聽機器
06:22
tell you your balance.
告訴你你的餘額。
06:26
Okay, I'm telling my age here.
好的，我透露年齡了。
06:30
[laughter] So that's the day I came from when you would have to call and ask what is my
所以，這就是我經歷過的時代，你必須打電話詢問你的餘額，而且是一個自動語音機器告訴你那個數字。
06:36
balance and it was an automated machine that would give you that number.
89.
06:45
Another banking term to know and use is interest.
另一個要知道和使用的銀行術語是利息。
06:56
extra money earned on saved money or it's money that the banks will charge
儲蓄賺取的額外金錢，或是銀行會向你收取的
07:05
you when you borrow money.
金錢，當你借錢的時候。
07:14
So, money that is earned, the bank earns it from money that you have borrowed or
所以，賺取的金錢，銀行從你借來的錢或
07:19
money that you have.
你擁有的錢中賺取。
07:22
Uh you could have a savings account and you earn interest.
嗯，你可以有一個儲蓄帳戶，然後賺取利息。
07:25
uh you could have money that you borrowed and they charge you interest.
你可能會借到錢，然後他們會向你收取利息。
07:32
So, it could be used either way.
所以，它可以兩種方式使用。
07:36
Now, let me back up because I told you balance was a tricky word before I give
現在，讓我回顧一下，因為我之前告訴過你「balance」這個詞有點棘手，在我給你一個關於「interest」的例句之前。
07:40
you a sentence for interest.
你一個關於「interest」的例句。
07:44
Balance is the amount of money in your account.
Balance 是你帳戶裡的金額。
07:47
But also remember, you can use the word balance to talk about standing up
但也要記住，你也可以用「balance」這個詞來談論站得直挺挺、穩穩的。
07:52
straight and steady.
穩穩的。
07:56
So, you may try to balance on a ledge or you may try to keep your
所以，你可能會試著在一個邊緣上保持平衡，或者你可能會試著在騎自行車時保持你的平衡。
08:02
balance when you're riding a bike.
保持你的平衡。
08:09
But when it comes to banking, your balance has to do with the amount of money in
但就銀行業務而言，你的 balance 指的是你帳戶裡的金額。
08:13
your account.
帳戶裡的金額。
08:16
So, back to interest.
所以，回到 interest。
08:19
Let's look at a sentence.
我們來看一個例句。
08:23
The bank pays hardly no interest on a savings account.
銀行在儲蓄帳戶上幾乎不支付任何利息。
08:28
Isn't that so true?
這不是很真實嗎？
08:29
Oh my goodness.
我的天啊。
08:32
I think the banks charge less than 1%.
我認為銀行收取的費用不到 1%。
08:35
You can have thousands of dollars in the bank and not make any interest.
你可能在銀行裡有數千美元，卻賺不到任何利息。
08:44
And so you have to find vehicles that will pay you a higher interest rate on your money
因此，你必須尋找能夠給你更高利息的工具來運用你的資金。
08:50
like a uh high yield savings account.
像是優質儲蓄帳戶。
08:58
Usually they will pay anywhere from 3 to 5% interest.
像是優質儲蓄帳戶。
09:01
So your money is growing at a faster rate.
通常它們會支付大約 3% 到 5% 的利息。
09:06
Another banking term to know is loan.
這樣你的資金就能以更快的速度增長。
09:11
loan.
另一個銀行術語是貸款。
09:12
A loan is money borrowed from a bank or a person.
貸款。
09:20
Okay?
貸款是指從銀行或個人借來的錢。
09:21
When I take out a loan, I have to pay it back because it is borrowed.
好嗎？
09:27
So, a good sentence.
當我申請貸款時，我必須償還，因為這是借來的。
09:31
He got a car loan for $45,000 to buy a sports car.
很好的一句話。
09:39
took out a loan for 45gs [laughter] to buy a sports car.
他貸款 45,000 美元買了一輛跑車。
09:49
Isn't it amazing how much vehicles cost nowadays?
貸款 4.5 萬美元 [笑聲] 買了一輛跑車。
09:53
I remember when you could buy a nice car for $3,000
現在的車輛價格真是令人驚訝，不是嗎？
10:00
and then if you wanted a nicer car, it would be maybe 10 to$12,000.
我記得以前可以用 3,000 美元買到一輛不錯的車。
10:06
Now, a basic vehicle, I mean, just a basic car will cost you anywhere from
如果想要更高級的車，可能只需要 1 萬到 1.2 萬美元。
10:14
$17,000 to $20,000.
現在，即使是基本款車輛，也就是說，最普通的車，也要花費大約
10:18
Uh, times have changed.
1.7 萬到 2 萬美元。
10:24
Do you have a vehicle that you have been driving for years and you do not have a balance?
時代變了。
10:35
You don't owe anyone.
你有開了好幾年的車，而且沒有欠款嗎？
10:36
You have paid it off.
你已經付清了。
10:37
Maybe you've been driving that car for five years, 10 years, or 15 years.
也許你開這輛車五年、十年或十五年了。
10:46
Let me know down in the comments section.
請在下方留言區告訴我。
10:49
How long have you had a car before?
你以前開車多久了？
10:53
I've had a vehicle, I think, for uh maybe close to eight years before.
我想我開車大概有八年左右了。
11:02
I don't think I've had a vehicle longer than 10 years.
我想我沒有開過十年以上的車。
11:05
But I've had a vehicle that's older than 10 years, but I don't think I've had one that long.
但我開過十年以上的舊車，不過我想我沒有擁有過那麼久的車。
11:15
How long have you had a car?
你開車多久了？
11:18
Okay, let's continue.
好，我們繼續。
11:23
Okay, you can transfer from one school to another.
好，你可以從一所學校轉到另一所學校。
11:30
You can transfer from one state to another state or you can transfer
你可以從一個州轉到另一個州，或者你可以從一個帳戶轉到另一個帳戶。
11:39
from one account to another account.
好的？
11:44
Okay?
所以當你轉帳時，你是在帳戶之間轉移資金。
11:46
So when you transfer you move money between accounts.
就像你從紐約搬到阿拉巴馬州一樣，你是在從紐約的工作轉到阿拉巴馬州。
11:53
So the same way you would move from maybe New York to Alabama, you're transferring from your job in New
好的？
11:54
Okay?
相同的原則也適用於轉移資金。
12:02
York to Alabama.
好的？
12:05
The same principle applies when it comes to transferring money.
將相同的原則應用於資金轉帳。
12:10
You're moving from one account to another account.
你正從一個帳戶轉到另一個帳戶。
12:14
Carla made a transfer from her savings account
卡拉從她的儲蓄帳戶轉了一筆錢
12:22
to help her 20year-old daughter.
來幫助她二十歲的女兒。
12:28
If you are a parent, you make transfers [laughter] often to help your kids.
如果你是一位家長，你經常會為了幫助孩子而進行轉帳 [笑聲]。
12:40
Man, I'm telling you one thing about parenting.
說真的，我告訴你一件事關於育兒。
12:42
It may take you five or 10 years to save up a good amount of money, but then you
你可能花了五年或十年時間才存到一筆可觀的錢，但之後你
12:48
may be in a situation where you have to help your children and you find yourself transferring that money from one account
可能會遇到需要幫助孩子的情況，然後你會發現自己把錢從一個帳戶
12:57
to another and what took you 10 years to save, you
轉到另一個帳戶，而你花十年時間存的錢，你
13:04
may deplete those funds in less than two years.
可能在不到兩年的時間內就花光了。
13:09
[snorts] Now, there are some people that live in the United States
[嗤笑] 現在，有些人住在美國，
13:15
and their family is in another country, maybe Guadalajara, maybe Argentina,
而他們的家人在另一個國家，也許是瓜達拉哈拉，也許是阿根廷，
13:23
uh maybe somewhere else in another part of the world.
嗯，也許是世界上的其他地方。
13:30
And so they work here in the United States and then they transfer the money to their loved ones back in
所以他們在美國工作，然後把錢轉給家鄉的親人。
13:38
their home country.
好。
13:41
Okay.
曾經有一種叫做西聯匯款的東西。
13:42
There was a thing called Western Union.
我相信他們現在仍然有。
13:45
I believe they still have it.
好。
13:47
And you would go to the grocery store or go to Walmart and you could transfer your money from one
你可以去雜貨店或沃爾瑪，然後把你的錢從一個地方
13:54
place to another place in the world.
轉移到世界的另一個地方。
13:57
Walmart allows you to to do that at the money center.
沃爾瑪允許你在他們的資金中心進行這項操作。
14:03
You can go to Walmart and you can say, "I want to send Jay $50 in Georgia." And you could be in St.
你可以去沃爾瑪說，「我想寄 50 美元給喬治亞州的傑。」
14:14
Louis at Walmart and they would transfer the money to me for $3.
你可能在聖路易斯的沃爾瑪，他們會以 3 美元的手續費將錢轉帳給我。
14:19
So, you're moving money from one account or one place to another.
所以，你是在從一個帳戶或一個地方把錢轉到另一個地方。
14:27
We're almost done today.
我們今天快完成了。
14:30
That's a compound word.
這是一個複合詞。
14:33
If you're active on my channel, you know I get excited.
如果你經常觀看我的頻道，你就會知道我很興奮。
14:39
I love compound words.
我很喜歡複合詞。
14:39
Over and draft.
Over 和 draft。
14:40
Two words in one.
一詞兩意。
14:43
And overdraft is when you spend more [laughter] more money than you have.
透支是指你花費超過你所擁有金額的情況。[笑聲]
14:55
He paid a $50 fee for an overdraft on his bank.
他因為銀行透支支付了 50 美元的手續費。
15:00
Banks make a lot of money from overdraft fees or sometimes they're called NSF.
銀行從透支手續費中賺取大量利潤，有時這些手續費也稱為 NSF。
15:08
I [snorts] know this because I've paid some in my younger days.
我知道這一點，因為我年輕的時候也繳過不少。
15:15
Okay, look at this.
好，看看這個。
15:15
Insufficient funds.
餘額不足。
15:18
I found this on the internet.
我在網路上找到的。
15:20
Uh, notice City Bank charges $34 or overdraft fee.
嗯，注意花旗銀行收取 34 美元的透支費。
15:29
Bank of America $35.
美國銀行是 35 美元。
15:30
Chase charges $34.
追逐銀行收取 34 美元。
15:33
Wells Fargo, $35.
富國銀行，35 美元。
15:36
US Bank, what is that?
美國銀行，這是什麼？
15:40
So, if you have $100 in your account and you write a check for $125,
所以，如果你帳戶裡有 100 美元，然後你開了一張 125 美元的支票，
15:50
you're going to get an overdraft fee [laughter] and they're going to return the check
你就會被收取透支費 [笑聲]，而且他們會退回支票，
15:56
and you'll have to pay a return check fee and you'll just be paying that off because you didn't have enough money in
你還得支付退票費，然後你就會一直繳這個費用，因為你的帳戶裡沒有足夠的錢。
16:05
your account.
好。
16:09
Statement.
對帳單，帳戶活動的記錄。
16:10
statement, a record of account activity.
銀行會每月寄送所有交易的對帳單。
16:17
The bank sends a monthly statement for all transactions.
哇，我記得我以前銀行會寄紙本對帳單給我。
16:22
Man, I remember when I used to get statements in the mail from my bank, paper.
哇，我記得我以前銀行會寄紙本對帳單給我。
16:28
It would be actual paper.
那會是真正的紙本。
16:29
Now, they just want you to go paperless and they send you your statement
現在，他們只想讓你無紙化，並透過電子郵件寄送你的對帳單。
16:35
by email.
透過電子郵件。
16:41
ATM, which stands for, what does ATM stand for?
ATM，也就是自動提款機，ATM 是什麼的縮寫？
16:47
Automated machine.
自動化機器。
16:49
Automated teller machine.
自動化票據兌換機。
16:51
That's what ATM stands for.
ATM 的全名就是這樣。
16:52
A machine to get cash from your account.
一種從你的帳戶提領現金的機器。
16:57
Sheila ran out of cash, so she used the ATM at the mall.
希拉沒錢了，所以她到購物中心使用 ATM。
17:04
Some people call the ATM a money machine.
有些人稱 ATM 為提款機。
17:08
>> [laughter] >> because it just sends you money.
>> [笑聲] >> 因為它只是給你錢。
17:13
Online banking.
網路銀行。
17:14
Online banking.
網路銀行。
17:18
It's where you use the bank of your choice through the internet.
這是透過網路使用你選擇的銀行。
17:27
[snorts] Ivan uses online banking to pay his monthly bills.
[嗤聲] 伊凡使用網路銀行支付他的每月帳單。
17:34
I remember uh just a few years ago, I still wasn't using online baking.
我記得就在幾年前，我還沒在使用網路銀行。
17:40
I was like, I don't trust it.
我當時覺得，我不信任它。
17:42
[laughter] The man is watching.
[笑聲] 那個人正在看著。
17:46
And I was still writing checks, finding envelopes, putting stamps on them, and mailing it.
而我仍然在寫支票、找信封、貼郵票、然後寄出去。
17:51
And I had a friend that said, "Look, Jay, just just do online banking.
我有一個朋友說：「聽著，傑，只要用網路銀行就好。
17:57
It's so convenient.
非常方便。
17:58
It's quick, and it's safe." and I've been doing online banking ever since.
快速又安全。」從那以後我就一直使用網路銀行。
18:04
And I think most people do online banking uh whether it be from their phone or from their
我想大多數人都是用網路銀行，無論是用手機還是用
18:11
So, as I said earlier, today was going to be a little basic.
所以，就像我之前說的，今天的課程會稍微基礎一點。
18:19
For some people, it may be a refresher of words that you may not know in English.
對於有些人來說，這可能是一個複習你不熟悉的英文詞彙的機會。
18:27
So, I encourage you to go back and watch the lesson again.
所以，我鼓勵你回去再看一次課程。
18:30
Do it once with subtitles and once without subtitles.
先看一次帶字幕的，再看一次不帶字幕的。
18:36
And I want you to practice using these words, especially if you haven't been using
我希望你多多練習使用這些詞彙，特別是如果你不常在英文中使用它們的話。
18:40
them in English.
[嗤笑] 我有些朋友會說西班牙語，而且他們年紀比較大。
18:43
[snorts] I have some friends that speak Spanish and they are older.
他們是長輩，而且他們會請孩子們幫忙翻譯。
18:48
They're the parents and they use their kids to translate.
如果你也是這樣，那麼這堂課對你來說是個練習和加強，也就是說，提升你的
18:54
If that is you, that is this is a perfect lesson for you to practice and brush up, as we say, on
英文詞彙量，讓你更有自信地使用和說這些詞彙的絕佳機會。
19:02
your English vocabulary so you can become more confident at using and speaking these words.
[嗤笑] 好吧，像往常一樣，如果今天的英文課程對你有所幫助，我只希望你
19:12
[snorts] Well, as always, if today's English lesson has been a help to you, all I ask is that
能把它分享給一位朋友。
19:17
you share it with a friend.
祝你今天愉快。
19:22
And I hope you enjoy the rest of your day.
希望你享受接下來的一天。
19:27
Make sure the notification bell is on because I plan on having another video for you
務必開啟通知鈴聲，因為我計畫明天為大家準備另一段影片。
19:31
tomorrow and it just might be some breaking news.
這段影片裡可能會有突發新聞。
19:36
So, I hope you join me on my next English lesson.
所以，希望大家能加入我下一次的英文課程。
19:41
I'll see you then.
我們下次見。
