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財商學院

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Money Basics Introduction - Learn the Foundations of Money
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00:04
Oh, hey there!
喔，嘿！
00:06
Oh, this?
喔，這個？
00:06
So, my friend Caroline's  been having some money issues lately, so   I thought it'd be a good idea to help her out  by making her a short guide on money.
是這樣的，我的朋友 Caroline 最近遇到了一些財務問題，所以我覺得幫她做一個關於金錢的簡短指南是個好主意。
00:20
See,   Caroline's an actor, like me.
你看，Caroline 和我一樣是個演員。
00:22
And with this sweet  gig comes a little bit of financial insecurity.   Sometimes we get a lot of jobs lined up  and everything's great, and other times,   well, we have to be prepared to go without work  for a while.
伴隨著這份美好的工作而來的，是一點點財務上的不安全感。有時候我們會有很多工作排著隊，一切都很順利；但有時候呢，嗯，我們得做好準備，可能要失業一陣子。
00:36
And a big part of that is making   sure we have a nest egg saved up and tucked away  somewhere so that we don't go broke.
其中很重要的一點，就是確保我們有存下一筆緊急預備金，藏在某個地方，這樣我們才不會破產。
00:43
Therefore...
因此...
00:46
Yeah, it seems like a lot - and it is - but  Caroline was asking a lot of questions like...
是的，聽起來好像很多——事實也的確如此——但 Caroline 問了很多問題，像是：
00:55
What's money but some pieces of paper, right?  Couldn't I just go to the public library,   use their printer, and then I'd be rich?  Except then, wouldn't everybody do that?  
錢不就是幾張紙而已，對吧？我為什麼不能直接去公共圖書館，用他們的印表機印鈔票，那樣我不就發財了？可是，如果那樣做的話，不是大家都會這麼做了嗎？
01:07
Why would anybody even bother getting  a job?
那為什麼還有人要費心去上班呢？
01:09
And what about credit cards?   Those are made of plastic, not paper.  Why bother printing a bunch of cash   when I can use a credit card and get free  money?
那信用卡呢？那些是塑膠做的，不是紙。既然我可以用信用卡拿到免費的錢，為什麼還要費事去印一堆現金？
01:19
How would I even get a credit card?
我到底要怎麼辦信用卡？
01:23
She even mentioned selling her  kidney for money at one point,   but thankfully I was able to convince her  that that was not the smartest idea long term.  
她甚至一度提到要賣腎臟換錢，但幸好我成功說服她，那從長遠來看並不是最聰明的主意。
01:36
Actually, now that you're here, why don't  I just teach you some of this stuff too?   I mean, I just have to make a copy of the  notes but that shouldn't take too long.
其實，既然你來了，我何不也教你一些這方面的知識呢？我的意思是，我只需要把筆記影印一份，那應該不會花太多時間。
02:02
All right, I've done it.
好了，我弄好了。
02:03
Here it is - a  copy of all the notes I took for you.
給——這是我為你做的所有筆記的副本。
02:08
I   know it's going to be a lot, but it's going  to be totally worth it.
我知道內容會很多，但這絕對是值得的。
02:12
Before each lesson,   be sure to download or print out the notes that  I provided for you on our website.
在每一堂課之前，記得先到我們的網站上下載或列印我為你準備的筆記。
02:18
Alright, so   this unit is all about the basics of  money - what it is, where it comes from,   and how to use it.
好的，那麼這個單元將會完全介紹關於金錢的基礎知識——錢是什麼、從哪裡來，以及如何使用它。
02:29
So first up, we're going  to learn about understanding what it means to   have money and why people can't just print out  their own.
所以首先，我們要學習的是：了解擁有金錢意味著什麼，以及為什麼人們不能自己印製鈔票。
02:41
You can't, by the way.
順帶一提，你不能。
02:43
People cannot   print their own money.
人們不能自己印製錢。
02:47
It doesn't make you  rich, just makes you a criminal as it turns out.
這不會讓你變有錢，結果只會讓你變成罪犯。
02:52
So, once you understand what money is,  then we can learn about all the different   types of financial exchange.  That's just a fancy word for  
所以，一旦你了解錢是什麼，我們就能學習各種不同的金融交易。這只是個比較專業的說法，
03:03
paying for stuff, like with cash or credit  card, you know.
指的是付錢買東西，像是用現金或信用卡，你知道的。
03:09
But if you want to spend money,   you have to find a place to keep it or to  make more of it.
但如果你想花錢，你得先找個地方把錢存起來，或是讓錢變更多。
03:17
So we're going to learn   about financial institutions - businesses whose  whole purpose is storing and loaning money.
所以我們要來學習金融機構——其主要業務就是儲存和借貸金錢的企業。
03:27
Now here's the thing - if you use a financial  institution for lending or borrowing money,   that's going to come with an extra fee, and that  fee is called interest.
現在重點來了——如果你使用金融機構來借出或借入資金，這會產生額外的費用，而這筆費用就叫做利息。
03:39
So we'll learn how that   works, and we'll learn how to make sure that you  are earning as much interest as possible while   paying as little as possible.
所以我們會學習利息是如何運作的，並學習如何確保你在支付最少利息的同時，賺取最多的利息。
03:51
And at the end  of the unit, I'm going to need your help.   Caroline needs to figure out a financial  institution for her to store her money,   and so I've got a bunch of newspaper cutouts  of different financial institutions in the area  
在這個單元結束時，我需要你們幫忙。Caroline 需要找一家金融機構來存放她的錢，所以我準備了一堆該地區不同金融機構的剪報。
04:06
and we're going to compare and contrast  them to see which one's best for Caroline.
我們將比較和對比它們，看看哪一家最適合 Caroline。
04:13
A lot of people out there fall for financial scams  just because they don't understand how banks work.   Or they think that credit cards are free money  and end up not being able to pay back what they  
很多人會落入金融詐騙的陷阱，就是因為他們不了解銀行是如何運作的。或者他們以為信用卡是免費的錢，結果最後卻無力償還他們
04:27
borrowed.
借來的款項。
04:28
Or they do dangerous and illegal  things to earn money out of desperation.   By the end of this unit, you will know why  money exists and how it works, so you can  
或者他們為了賺錢而铤而走險，做出危險且非法的事。在這個單元結束時，你會明白錢存在的意義以及它的運作方式，這樣你就能
04:43
avoid these financial traps and set yourself up  with a good chance for success in the future.
避開這些金融陷阱，為自己在未來打下成功的良好基礎。
04:49
And as for Caroline, well she'll be able to store  her money safely and build up a good little nest   egg, so that she can have something in between  jobs without resorting to selling a kidney.  
至於 Caroline，她將能安全地存放她的錢，並存下一筆可觀的小積蓄，這樣她在工作轉換期間就有錢可用，不必落到去賣腎臟。
05:03
And without going to jail for printing  counterfeit money!
也不會因為印製假鈔而進監獄！
05:09
Seems like a good idea, right?
聽起來是個好主意，對吧？

Money Basics Introduction - Learn the Foundations of Money

📝 影片摘要

本單元以演員朋友Caroline的財務困境為引，介紹金錢的基本概念。內容涵蓋金錢的本質（為何不能自行印製）、金融交易（現金與信用卡的運作）、金融機構的功能（儲蓄與借貸），以及利息的原理。學習目標是幫助學員建立正確的金錢觀，理解金融體系運作，並學會如何選擇適合的金融機構來累積財富、避免陷入詐騙或債務陷阱。

📌 重點整理

  • ✓ 金錢本質：金錢是價值交換的媒介，不能私自印製，否則觸犯法律。
  • ✓ 財務安全感：建立緊急預備金（Nest Egg）是應對收入不穩定的關鍵。
  • ✓ 信用卡誤解：信用卡並非免費的錢，而是借貸工具，需按時償還。
  • ✓ 金融機構功能：主要提供金錢的儲存與借貸服務。
  • ✓ 利息概念：借貸會產生額外費用（利息），需理解其運作方式。
  • ✓ 理財目標：應追求在支付最少利息的同時，賺取最多的利息。
  • ✓ 風險意識：不了解金融運作容易落入詐騙陷阱或從事非法行為。
  • ✓ 學習實踐：透過比較不同金融機構，為自己（如Caroline）找到最佳的存錢方案。
📖 專有名詞百科 ｜點擊詞彙查看維基百科解釋
不安全感
insecurity
準備好的
prepared
儲蓄金
nest egg
偽造的
counterfeit
交換
exchange
財政的
financial
機構
institutions
利息
interest
詐騙
scams
絕望
desperation

🔍 自訂查詢

📚 共 10 個重點單字
insecurity /ˌɪnsɪˈkjʊərəti/ noun
the state of not feeling confident about yourself or your situation
不安全感；不確定性
📝 例句
"And with this sweet gig comes a little bit of financial insecurity."
→ 伴隨著這份美好的工作而來的，是一點點財務上的不安全感。
✨ 延伸例句
"Job insecurity can lead to stress."
→ 工作上的不安全感可能導致壓力。
prepared /prɪˈpɛrd/ adjective
made ready for use or action
準備好的
📝 例句
"We have to be prepared to go without work for a while."
→ 我們得做好準備，可能要失業一陣子。
✨ 延伸例句
"Are you prepared for the exam?"
→ 你準備好考試了嗎？
nest egg /ˈnɛst ɛɡ/ noun
a sum of money saved for the future
儲蓄金；預備金
📝 例句
"Making sure we have a nest egg saved up and tucked away somewhere."
→ 確保我們有存下一筆緊急預備金，藏在某個地方。
✨ 延伸例句
"They built up a nest egg for retirement."
→ 他們為退休存了一筆錢。
counterfeit /ˈkaʊntərfɪt/ adjective
made to look exactly like something else in order to deceive
偽造的；假冒的
📝 例句
"It doesn't make you rich, just makes you a criminal as it turns out."
→ 這不會讓你變有錢，結果只會讓你變成罪犯。
✨ 延伸例句
"He was caught with counterfeit money."
→ 他被抓到持有偽鈔。
exchange /ɪksˈtʃeɪndʒ/ noun
the act of giving something and receiving something else
交換；兌換
📝 例句
"Learn about all the different types of financial exchange."
→ 我們將學習各種不同的金融交易。
✨ 延伸例句
"We had an exchange of ideas."
→ 我們進行了意見交流。
financial /faɪˈnænʃəl/ adjective
relating to money or the management of money
財政的；金融的
📝 例句
"We're going to learn about financial institutions."
→ 我們要來學習金融機構。
✨ 延伸例句
"The company is in financial trouble."
→ 這家公司陷入了財務困難。
institutions /ˌɪnstɪˈtuːʃənz/ noun
establishments or organizations with a specific purpose
機構；制度
📝 例句
"Businesses whose whole purpose is storing and loaning money."
→ 主要業務就是儲存和借貸金錢的企業。
✨ 延伸例句
"Educational institutions are important."
→ 教育機構很重要。
interest /ˈɪntrɪst/ noun
money charged for borrowing money, or paid for investing
利息
📝 例句
"That fee is called interest."
→ 這筆費用就叫做利息。
✨ 延伸例句
"The bank charges 5% interest."
→ 銀行收取5%的利息。
scams /skæmz/ noun
dishonest schemes or frauds
詐騙；騙局
📝 例句
"A lot of people out there fall for financial scams."
→ 很多人會落入金融詐騙的陷阱。
✨ 延伸例句
"Don't fall for online scams."
→ 不要落入網路詐騙的圈套。
desperation /ˌdɛspəˈreɪʃən/ noun
the state of being very sad and having no hope
絕望；拼命
📝 例句
"They do dangerous and illegal things to earn money out of desperation."
→ 他們為了賺錢而铤而走險，做出危險且非法的事。
✨ 延伸例句
"He stole money out of desperation."
→ 他在絕望之下偷了錢。
🎯 共 10 題測驗

1 Why does the speaker suggest Caroline needs a 'nest egg'? 演員為什麼建議Caroline需要一筆「預備金」？ Why does the speaker suggest Caroline needs a 'nest egg'?

演員為什麼建議Caroline需要一筆「預備金」？

✅ 正確！ ❌ 錯誤，正確答案是 B

The speaker mentions that as actors, they sometimes have no work for a while, so they need savings.

演員提到作為演員，有時會有一段時間沒有工作，所以需要儲蓄。

2 What does Caroline mistakenly think about credit cards? Caroline對信用卡有什麼錯誤的想法？ What does Caroline mistakenly think about credit cards?

Caroline對信用卡有什麼錯誤的想法？

✅ 正確！ ❌ 錯誤，正確答案是 C

Caroline asks why bother printing cash when credit cards give 'free money'.

Caroline問既然信用卡能給「免費的錢」，為什麼還要費事去印現金。

3 What is the consequence of printing your own money mentioned in the video? 影片中提到私自印製鈔票的後果是什麼？ What is the consequence of printing your own money mentioned in the video?

影片中提到私自印製鈔票的後果是什麼？

✅ 正確！ ❌ 錯誤，正確答案是 B

The speaker explicitly states that printing money makes you a criminal.

演員明確表示，印製鈔票會讓你變成罪犯。

4 What is a 'financial institution' primarily for? 「金融機構」的主要功能是什麼？ What is a 'financial institution' primarily for?

「金融機構」的主要功能是什麼？

✅ 正確！ ❌ 錯誤，正確答案是 B

The video defines financial institutions as businesses for storing and loaning money.

影片將金融機構定義為儲存和借貸金錢的企業。

5 What is the 'extra fee' called when you use a financial institution to borrow money? 當你向金融機構借錢時，那個「額外費用」被稱為什麼？ What is the 'extra fee' called when you use a financial institution to borrow money?

當你向金融機構借錢時，那個「額外費用」被稱為什麼？

✅ 正確！ ❌ 錯誤，正確答案是 B

The video explains that the extra fee for lending or borrowing is called interest.

影片解釋，借貸產生的額外費用稱為利息。

6 What is the main goal regarding interest mentioned in the lesson? 本課關於利息的主要目標是什麼？ What is the main goal regarding interest mentioned in the lesson?

本課關於利息的主要目標是什麼？

✅ 正確！ ❌ 錯誤，正確答案是 C

The speaker wants to teach how to earn as much interest as possible while paying as little as possible.

演員想教導如何在支付最少利息的同時，賺取最多的利息。

7 Why do some people fall for financial scams according to the video? 根據影片，為什麼有些人會落入金融詐騙的陷阱？ Why do some people fall for financial scams according to the video?

根據影片，為什麼有些人會落入金融詐騙的陷阱？

✅ 正確！ ❌ 錯誤，正確答案是 B

The video states people fall for scams because they don't understand how banks work.

影片指出，人們受騙是因為不了解銀行的運作方式。

8 What dangerous idea did Caroline mention to get money? Caroline提到用什麼危險的方法來換錢？ What dangerous idea did Caroline mention to get money?

Caroline提到用什麼危險的方法來換錢？

✅ 正確！ ❌ 錯誤，正確答案是 B

The speaker mentions Caroline brought up selling her kidney.

演員提到Caroline一度提到要賣腎臟。

9 What will happen if you print your own money according to the video? 根據影片，如果你自己印鈔票會發生什麼事？ What will happen if you print your own money according to the video?

根據影片，如果你自己印鈔票會發生什麼事？

✅ 正確！ ❌ 錯誤，正確答案是 B

The speaker jokes that printing counterfeit money will make you go to jail.

演員開玩笑說印製假鈔會讓你進監獄。

10 What does the speaker plan to do at the end of the unit regarding Caroline? 演員計劃在單元結束時幫Caroline做什麼？ What does the speaker plan to do at the end of the unit regarding Caroline?

演員計劃在單元結束時幫Caroline做什麼？

✅ 正確！ ❌ 錯誤，正確答案是 B

The speaker has newspaper cutouts to compare different financial institutions for Caroline.

演員準備了剪報，要比較不同的金融機構。

測驗完成！得分： / 10

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