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Improve your English vocabulary and speaking with 6 Minute English! Do you worry about your standard of living when you retire? How much money do you …
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💰 Can money buy you happiness? 🤗
Money which is used to free up your time makes you happier than money which is spent on material things, such as shoes, Canadian scientists have reported.
Dan and Catherine teach you language you can use to discuss this story: https://www.youtube.com/watch?v=aEofCqWuCT0&t=17s
It is great if you make more "6 minutes of English box set" because it is very convenient for me. It is wonderfull !!! Thank you
I'm 51 years old with no retirement plan yet,any suggestions on accumulating a million dollar portfolio within 12-18 months? I have currently saved a capital of $100k
my point of view no money is not everything we should work hard on ourselves and develope our skills
Despite the fact I need to use a vpn to watch youtube videos, I try to find a working one here in Turkmenistan to watch interesting English videos to improve my listening and speaking skills. Your videos are so helpful. Thanks a lot. Sorry if I made mistakes
Thank u for giving me a hand ♡
I don’t know surely the meaning of idiom: live in blissful ignorance”. I make a sentence like as: I still live in blissful ignorance although my family’s company goes bankrupt. Is it right?
Transcript
Note: This is not a word for word transcript
Neil
Hello, and welcome to 6 Minute English. I'm Neil.
Rob
And I'm Rob.
Neil
In this programme we're talking about finance and in particular planning for our future lifestyles.
Rob
I can barely afford my current lifestyle!
Neil
Same here, but perhaps we’ll pick up some good tips today. Before that though, a question. Being a millionaire may be an impossible dream for most of us, but when was the word first used in English? Was it:
a) 1600s
b) 1700s, or
c) 1800s
What do you think, Rob?
Rob
I’m going to guess that it’s the 1600s as there have always been very wealthy people.
Neil
Well, I’ll reveal the answer later. Now, the BBC Money Box programme covers all sorts of financial features. Recently they were talking about lifestyle financial planning, which is planning your finances to meet the kind of lifestyle you want to have. Julie Lord leads a financial planning organisation and she talked about the process of lifestyle financial planning. How many numbers does she say you need to start with?
Julie Lord
Well, we would start by saying that we need to put together a lifetime cashflow forecast or a model. You just need four numbers: your income, your expenditure, assets, liabilities and then we project forward to show you what sort of lifestyle you will have if you do nothing at all and if indeed you do some of the things that – perhaps an ISA or a pension or any other kind of financial product – might help you with.
Neil
So how many numbers do you need?
Rob
She says that you start with just four numbers.
Neil
That’s right. The first of these numbers is your income, this is the money that you have coming in, your salary, for example.
Rob
Then there is the number for your expenditure. This is the money you have going out for rent, food, entertainment, transport and so on.
Neil
The next number was for assets. This is the cash value of things that you own. For example property, cars, jewellery as well as savings and investments, that kind of thing.
Rob
And finally there is liabilities. This is the money that you owe, for example on credit cards or loans.
Neil
So if you know these details, she says they can come up with a lifetime cashflow forecast, which is a calculation of how much money you can expect to have in the future and if that is enough to meet your expectations. Do you have those details? Do you know your numbers, Rob?
Rob
I have a very detailed spreadsheet where I do list my income and expenditure. So I do know from month to month how much money I need and how much I can spend.
Neil
That sounds very organised! What does it tell you about your future?
Rob
Well, it just reminds me of exactly how much money I don’t have. It’s quite depressing! How about you, Neil?
Neil
Oh, I live in blissful ignorance. I have no idea how big my debts are. I try not to worry about it. I kind of think I’m much too young to worry about it now and that as if by magic it will all work out in the end. So it would be difficult for me to come up those four numbers. Anyway, let’s listen to Julie Lord again describing the lifestyle financial planning process.
Julie Lord
Well, we would start by saying that we need to put together a lifetime cashflow forecast or a model. You just need four numbers: your income, your expenditure, assets, liabilities and then we project forward to show you what sort of lifestyle you will have if you do nothing at all and if indeed you do some of the things that – perhaps an ISA or a pension or any other kind of financial product – might help you with.
Neil
Is lifestyle financial planning only for older people with a good pension? Not according to Julie Lord.
Julie Lord
Well, it’s not all about old age, is it? I mean there are people… we have quite a number of younger clients who come to us and say 'we just want to get financially organised, we've heard about all this stuff, these financial products, no idea really what they are or, more importantly, what they’re going to do for us, so can you give us a hand to help us look forward to see what will happen'.
Neil
So she also has younger clients who ask for her company’s help.
Rob
Yes, she uses the phrase, give us a hand, which means to help someone. If you give someone a hand, you help them.
Neil
Exactly, in the way that I give you a hand with 6 Minute English.
Rob
Well, I think I give you a hand rather than the other way around, Neil.
Neil
Really, well let’s not fall out about it. Let’s listen to Julie Lord again.
Julie Lord
Well, it’s not all about old age, is it? I mean, there are people… we have quite a number of younger clients who come to us and say 'we just want to get financially organised, we've heard about all this stuff, these financial products, no idea really what they are or, more importantly, what they’re going to do for us, so can you give us a hand to help us look forward to see what will happen'.
Neil
It’s nearly time now to review our vocabulary, but first, let’s have the answer to our quiz question. When was the word millionaire first used in English? Was it:
a) 1600s
b) 1700s, or
c) 1800s
What did you think, Rob?
Rob
Well, I guessed and said it was the 1600s.
Neil
Well, not a good guess this time, I’m afraid. It’s actually a lot later. It was the 1800s when it was first used in English, though it had appeared in French in the 1700s. Now on with the vocabulary.
Rob
Yes, we had a lot of financial terms in this programme. We had cashflow forecast. This is a calculation of how much money you can expect to have at a particular time in the future.
Neil
And the cashflow forecast is based on knowing your income, which is the money you have coming in and your expenditure, the money you have going out.
Rob
You also need to know your assets, which is the value of things you own as well as savings and investments. This is balanced against your liabilities, which is the term for the money that you owe, for example on credit cards.
Neil
And finally we had the expression to give someone a hand meaning to help someone. Well, that’s all from us in this programme. We look forward to your company next time. Until then, you can find us in all the usual places on social media, online and on our app. Just search for bbclearninglish. Bye, and thanks Rob for giving me a hand.
Rob
No, thank you for giving me a hand. Bye!
Thank you so much!
Why they say "giving a hand" give with ing?
Why? At the end they say "thank you for you giving me a hand"
It shouldn't be "give" me a hand????
It's very helpful to learn English
Where is subtitle. I don't understand without subtitle 😢please,audioscript
Would you say this listening is appropiate for B1 or B2?
I want to spoke english fluently.
To get fluent,need more and more practice in speaking english.
but I don't have any expert friend or guard to practice.
So I need a friend.
Is there anyone for practice speaking english?
thank you for giving me a hand. I love 6 minutes english.
Amazing method
Nice video but you should write down the vocabulary words and meaning in this video
Thank you so much for your videos👍👍👍
7000
Thanks for giving me a hand, i think money is not everything but everything needs money haha
really, I found that your channel is more interesting to improve listening and to accumulate a baggage of vocabulary
Happy New year 2021BBC!!!
maybe, when i will go in retire. i will speak english
Thanks a lot guys !!
Thank u BBC love from Tunisia 🇹🇳
ضضضضضضضضضضضضضض
Thank you so much! Love it even though I can not able to comprehend the whole concept but that's OK. I'll get used to it. Nice voices.❤️❤️
our life always has involvement of money, and 4 factors: income, expenditure, assets, liabilities somtimes make us to be tired really. If you have money, not sure you will happy. But if you don't have money, you will not get happiness surely.
Thank BBC Learning English for making me be interested in learning English everyday
Being a millionaire is an impossible to earn?
income
expenditure
asset
liability
give a hand means helping someone
Note: This is not a word for word transcript
Neil
Hello, and welcome to 6 Minute English. I'm Neil.
Rob
And I'm Rob.
Neil
In this programme we're talking about finance and in particular planning for our future lifestyles.
Rob
I can barely afford my current lifestyle!
Neil
Same here, but perhaps we’ll pick up some good tips today. Before that though, a question. Being a millionaire may be an impossible dream for most of us, but when was the word first used in English? Was it:
a) 1600s
b) 1700s, or
c) 1800s
What do you think, Rob?
Rob
I’m going to guess that it’s the 1600s as there have always been very wealthy people.
Neil
Well, I’ll reveal the answer later. Now, the BBC Money Box programme covers all sorts of financial features. Recently they were talking about lifestyle financial planning, which is planning your finances to meet the kind of lifestyle you want to have. Julie Lord leads a financial planning organisation and she talked about the process of lifestyle financial planning. How many numbers does she say you need to start with?
Julie Lord
Well, we would start by saying that we need to put together a lifetime cashflow forecast or a model. You just need four numbers: your income, your expenditure, assets, liabilities and then we project forward to show you what sort of lifestyle you will have if you do nothing at all and if indeed you do some of the things that – perhaps an ISA or a pension or any other kind of financial product – might help you with.
Neil
So how many numbers do you need?
Rob
She says that you start with just four numbers.
Neil
That’s right. The first of these numbers is your income, this is the money that you have coming in, your salary, for example.
Rob
Then there is the number for your expenditure. This is the money you have going out for rent, food, entertainment, transport and so on.
Neil
The next number was for assets. This is the cash value of things that you own. For example property, cars, jewellery as well as savings and investments, that kind of thing.
Rob
And finally there is liabilities. This is the money that you owe, for example on credit cards or loans.
Neil
So if you know these details, she says they can come up with a lifetime cashflow forecast, which is a calculation of how much money you can expect to have in the future and if that is enough to meet your expectations. Do you have those details? Do you know your numbers, Rob?
Rob
I have a very detailed spreadsheet where I do list my income and expenditure. So I do know from month to month how much money I need and how much I can spend.
Neil
That sounds very organised! What does it tell you about your future?
Rob
Well, it just reminds me of exactly how much money I don’t have. It’s quite depressing! How about you, Neil?
Neil
Oh, I live in blissful ignorance. I have no idea how big my debts are. I try not to worry about it. I kind of think I’m much too young to worry about it now and that as if by magic it will all work out in the end. So it would be difficult for me to come up those four numbers. Anyway, let’s listen to Julie Lord again describing the lifestyle financial planning process.
Julie Lord
Well, we would start by saying that we need to put together a lifetime cashflow forecast or a model. You just need four numbers: your income, your expenditure, assets, liabilities and then we project forward to show you what sort of lifestyle you will have if you do nothing at all and if indeed you do some of the things that – perhaps an ISA or a pension or any other kind of financial product – might help you with.
Neil
Is lifestyle financial planning only for older people with a good pension? Not according to Julie Lord.
Julie Lord
Well, it’s not all about old age, is it? I mean there are people… we have quite a number of younger clients who come to us and say 'we just want to get financially organised, we've heard about all this stuff, these financial products, no idea really what they are or, more importantly, what they’re going to do for us, so can you give us a hand to help us look forward to see what will happen'.
Neil
So she also has younger clients who ask for her company’s help.
Rob
Yes, she uses the phrase, give us a hand, which means to help someone. If you give someone a hand, you help them.
Neil
Exactly, in the way that I give you a hand with 6 Minute English.
Rob
Well, I think I give you a hand rather than the other way around, Neil.
Neil
Really, well let’s not fall out about it. Let’s listen to Julie Lord again.
Julie Lord
Well, it’s not all about old age, is it? I mean, there are people… we have quite a number of younger clients who come to us and say 'we just want to get financially organised, we've heard about all this stuff, these financial products, no idea really what they are or, more importantly, what they’re going to do for us, so can you give us a hand to help us look forward to see what will happen'.
Neil
It’s nearly time now to review our vocabulary, but first, let’s have the answer to our quiz question. When was the word millionaire first used in English? Was it:
a) 1600s
b) 1700s, or
c) 1800s
What did you think, Rob?
Rob
Well, I guessed and said it was the 1600s.
Neil
Well, not a good guess this time, I’m afraid. It’s actually a lot later. It was the 1800s when it was first used in English, though it had appeared in French in the 1700s. Now on with the vocabulary.
Rob
Yes, we had a lot of financial terms in this programme. We had cashflow forecast. This is a calculation of how much money you can expect to have at a particular time in the future.
Neil
And the cashflow forecast is based on knowing your income, which is the money you have coming in and your expenditure, the money you have going out.
Rob
You also need to know your assets, which is the value of things you own as well as savings and investments. This is balanced against your liabilities, which is the term for the money that you owe, for example on credit cards.
Neil
And finally we had the expression to give someone a hand meaning to help someone. Well, that’s all from us in this programme. We look forward to your company next time. Until then, you can find us in all the usual places on social media, online and on our app. Just search for bbclearninglish. Bye, and thanks Rob for giving me a hand.
Rob
No, thank you for giving me a hand. Bye!
text me if you want to practice or speak spanish , i would like to improve my English
We will never need money again because we will never need to work and pay for anything what we need
Everyone on this planet its going to receive them real rights ✅ and they so many
1:17 income; expenditure; assets; liabilities.
2:14 lifestyle cashflow
New words i learn
Asset : money you own for an investment like gold, jewerly,…
Expenditure: the output of money
Cashflow forecast: the amount of money you predict to have in the future
Give someone a hand : help
Liability: money you have (in credit card, bank,…)
do you have a telegram channel?
I drive crazy with her 🤪😨😣🙃😫
I want the ID of your official channel on Telegram if could please
OwÓ
Someone tell me what is the begin of sound name of the importance of being earnest drama ?
Very informative as well as new vocabulary!
thank bbc
I learning English here
hahhaha
Never enough money for living cuz the ambition of people is unlimited
they speak too fast
I can’t live without money
money can’t buy happiness but It make you happy
Thank you for giving me a hand
The woman really confused me
I used tons of this 6 minute audios to practice Simultaneous interpretation from English to Spanish when I was studying at university 10 years ago. So useful!!