让我们用英语聊聊关于“钱”的话题：英语精读讲义

Hey everybody,

大家好，

it's Ariannita la Gringa

我是 Ariannita la Gringa，

and welcome back to my YouTube channel.

欢迎回到我的 YouTube 频道。

In today's video,

在今天的视频中，

I will teach all of you about money.

我将教大家关于钱的知识。

And what is money?

那么钱是什么呢？

Money is what people use to buy things or services.

钱是人们用来购买物品或服务的东西。

For example,

例如，

you can use money to buy clothes,

你可以用钱买衣服，

you can use money to buy food or many more things.

你可以用钱买食物或很多其他东西。

Money comes in different forms.

钱有不同的形式。

For example,

例如，

I am holding cash in my hand.

我现在手里拿着现金。

This is cash and cash is the physical form of money. 用詞

这就是现金，现金是钱的实体形式。

This is cash.

这就是现金。

Cash is basically bills or coins.

现金基本上就是纸币或硬币。

I have some coins in my pocket.

我口袋里有一些硬币。

These are coins.

这些就是硬币。

Both of these are different types of cash,

这两种都是不同类型的现金，

bills and coins.

纸币和硬币。

And how do you get some more cash or a physical form of money?

那你要怎么获得更多现金或钱的实体形式呢？

Well, of course,

嗯，当然了，

money doesn't grow on trees, 習語

钱不是从树上长出来的，

but you can take out cash from the ATM. 短語動詞

但你可以从自动取款机提取现金。

There's an ATM over there behind me

我身后那边有一台 ATM 自动取款机，

and that stands for automated teller machine. 短語動詞

它代表 automated teller machine（自动取款机）。

This is an ATM machine.

这是一台自动取款机。

It's a machine that lets you take out money or cash from your bank account

这是一台让你能从银行账户里取出钱或现金的机器，

and that's called withdraw.

这就叫提款。

So you can withdraw money from the ATM.

所以你可以从自动取款机提取现金。

ATM stands for automated teller machine.

ATM 代表自动取款机。

If you have physical cash,

如果你有实体现金，

you can put in money in the ATM

你可以把钱存进自动取款机，

or if you want to withdraw money,

或者如果你想提款，

you can take out money or have a physical copy of cash.

你可以把钱取出来，拿到实体的现金。

And you can find ATM machines

你能找到自动取款机

outside your bank like right here

就在你银行的外面，像这里一样，

or you can also find it inside the bank,

或者你也能在银行里面找到它，

inside shopping malls, stores or even restaurants.

在商场里、商店里，甚至餐厅里。

Now, what is a bank?

那么，银行是什么呢？

Well,

嗯，

there's a bank right behind me.

我身后正有一家银行。

It's called Fifth Third Bank

它叫 Fifth Third Bank（五三银行），

and there's another one to my right.

在我右边还有另一家。

It's called US Bank.

它叫 US Bank（美国银行）。

A bank is a safe place where people can keep their money

银行是一个安全的地方，人们可以把钱存放在那里，

and you can borrow money from the bank 用詞

而且你可以向银行借钱，

or you can ask the bank to lend you money.

或者你可以让银行贷款给你。

I don't have a bank account with US Bank,

我没有 US Bank 的银行账户，

but I do have a bank account with Bank of America.

但我确实有 Bank of America（美国银行）的账户。

So, I'm going to head over to the ATM, 短語動詞

所以，我准备前往那台自动取款机，

the automated teller machine

也就是 ATM 机

and withdraw some money.

去取一些钱。

Come along with me.

跟我来吧。

I'm about to walk over there to my bank

我正准备走去我的银行那边，

called Bank of America.

叫 Bank of America。

But in this area,

但在这一区，

they have over five banks.

这里有超过五家银行。

They have Bank of America,

有 Bank of America、

Chase,

Chase（大通银行）、

Fifth Third,

Fifth Third、

US Bank and Huntington.

US Bank 还有 Huntington。

That's a lot of banks to be in this small area.

在这个小区域里算是有非常多银行了。

There's almost 5,000 banks in America.

在美国有将近 5000 家银行。

And behind me,

而在我身后，

this is Chase Bank.

这是 Chase Bank。

It is one of the most common banks with over 80 million customers.

它是最常见的银行之一，拥有超过 8000 万名客户。

Go ahead and let me know down below

欢迎在下面留言告诉我，

what is the most common bank in your country.

在你的国家最常见的银行是什么。

Talking about money,

说到钱，

what's your favorite way to spend it?

你最喜欢怎么花钱呢？

I enjoy spending my money on new activities

我喜欢把钱花在新的活动上，

and things like learning a new language.

比如学习一门新语言。

And the best app to learn a new language is today's sponsor,

而学习新语言最好的应用程序就是今天的赞助商：

Preply.

Preply。

Preply is a language learning platform that has thousands of native tutors.

Preply 是一个语言学习平台，拥有数千名母语导师。

You can take lessons anytime

你可以随时上课，

and schedule a lesson that fits your budget and busy schedule. 短語搭配

并安排一节符合你的预算和繁忙日程的课程。

You can also use filters to narrow your search 短語搭配

你还可以使用筛选功能来缩小搜索范围，

and find the perfect teacher.

从而找到完美的老师。

Preply is the best way to practice with a teacher who will actually motivate you

Preply 是与老师练习的最佳方式，老师会真正地激励你，

and will make your language learning easier.

并让你的语言学习变得更轻松。

Use my code ARIANNITA50 for a 50% discount on your first trial.

在首次试听课中使用我的折扣码 ARIANNITA50，即可获得 50% 的折扣。

Thanks to Preply for sponsoring this portion of this video.

感谢 Preply 赞助本视频的这一部分。

Let's get back to the video. 表達脈絡

让我们回到视频中来。

I just got to my bank,

我刚到了我的银行，

Bank of America.

Bank of America。

And in order for me to be part of the bank,

为了成为这家银行的客户，

I need to have a bank account.

我需要有一个银行账户。

And that's a safe place where I can keep my money in the bank.

那是可以在银行里把我的钱安全存放的地方。

So, you can have two different accounts.

所以，你可以拥有两种不同的账户。

You can have a checking account or a savings account. 文化背景

你可以拥有一个支票账户或一个储蓄账户。

Now, I'm going to walk inside the bank

现在，我要走进银行里面，

and check out the ATM 短語動詞

去看看那台自动取款机，

because I want to withdraw some money

因为我想取一些钱，

and show you guys the different bills we use in America.

并给你们展示一下我们在美国使用的不同纸币。

And in order to enter the bank, 語法

为了进入银行，

you need to be a client.

你需要成为客户。

You can't just open up the door.

你不能直接拉开门。

No, this door is locked.

不行，这扇门锁着。

There's a code right here to enter.

这里有一个密码锁用来进入。

So, in order to enter the bank,

所以，为了进入银行，

I need to have a debit card

我需要有一张借记卡，

or I can just use Apple Pay,

或者我可以直接用 Apple Pay，

my debit card on my phone.

就是手机上的借记卡。

I have my debit card on my phone,

我手机里有借记卡，

so I can just scan it right here and walk inside.

所以我可以直接在这里扫描一下然后走进去。

Now, I'm going to withdraw money from the ATM,

现在，我要从自动取款机提取现金，

from the automated teller machine.

从这台 ATM 机器上。

And that just means I'm going to take out money

那也就是说我要把钱取出来，

from my bank account.

从我的银行账户里。

So, in order to take out money from your bank account,

所以，为了从你的银行账户里取钱，

you need a debit card

你需要一张借记卡，

or I can use the one on my phone.

或者我可以用手机上的那张。

So, now I'm going to scan it right here.

所以，现在我要在这里扫描它。

Now, it says enter your PIN. 文化背景

现在，上面写着输入您的密码（PIN）。

So, I'm going to enter my PIN.

所以，我要输入我的密码。

And now the screen says

现在屏幕上写着

get cash, make deposit, 文化背景

提取现金、办理存款、

check balance or view more.

查询余额或查看更多。

So, the ATM has different functions.

所以，这台自动取款机有不同的功能。

You can deposit money if you have physical cash 用詞

如果你有实体现金，你可以存款，

and that cash will go into your bank account

这些现金将进入你的银行账户，

or you can withdraw money or take money out of your bank account.

或者你可以提款，也就是把钱从你的银行账户里取出来。

I personally want to get cash

我个人想要提取现金，

because I want to withdraw money from my bank account.

因为我想从我的银行账户里取款。

Now, the screen says

现在，屏幕上写着

how much cash do you want? 語法

您想要多少现金？

You can get $20, $40, $60 or up to $300. 語法

你可以取 20 美元、40 美元、60 美元或者最多 300 美元。

I am going to take out $200 from my bank account

我准备从银行账户里取 200 美元，

because I want to show you guys the different bills.

因为我想向你们展示不同的纸币。

Now, the screen says

现在，屏幕上写着

how would you like your $200? 語氣意圖

您希望如何提取这 200 美元？

You can have it in 10s, 20s or 100s. 用詞

你可以选择要 10 美元、20 美元或 100 美元面值的。

Now, it says take your cash.

现在，上面写着请取走您的现金。

Now, that I have some cash,

既然我现在有一些现金了，

I can put it in my back pocket,

我可以把它放在我的后口袋里，

but I don't want to do that because I'm in a city

但我不想这么做，因为我在城市里，

and I wouldn't want anyone stealing that money from me. 語法

我可不想任何人偷走我的钱。

So, I can put it in my purse. 用詞

所以，我可以把它放进我的包里。

This is a purse.

这是一个包包（purse）。

Or I can put the cash in my wallet.

或者我可以把现金放进我的钱包（wallet）。

These are both safe places to put my money.

这两个都是放钱的安全地方。

I just took out some money from the ATM.

我刚从自动取款机里取了一些钱。

This is cash.

这是现金。

It's physical money.

它是实体的钱。

I want to show you guys the different types of bills we use in the United States.

我想给你们看看我们在美国使用的不同面值的纸币。

Let's start off with the first bill. 短語動詞

让我们从第一张纸币开始。

This is the $1 bill.

这是 1 美元纸币。

You can call it a single or a buck. 用詞

你可以叫它 a single 或 a buck。

Now, the next bill is not very common.

那么，下一张纸币不太常见。

It's very hard to find and sometimes banks won't even have it.

它很难找到，有时候银行甚至都没有。

This is the $2 bill.

这是 2 美元纸币。

This is $2.

这是 2 美元。

The next bill is this one.

下一张纸币是这个。

This is a $5 bill

这是一张 5 美元纸币，

and most bills have presidents on them.

大多数纸币上印有总统的头像。

This is Abraham Lincoln.

这位是亚伯拉罕·林肯。

The next bill is this one.

下一张纸币是这个。

This is a $10 bill.

这是一张 10 美元纸币。

And as I said before,

正如我之前所说，

most bills have a president on them,

大多数纸币上都印有一位总统，

but this is Alexander Hamilton

但这位是亚历山大·汉密尔顿，

and he was never president

他从未担任过总统，

nor did he ever run for president. 語法

也从未竞选过总统。

He was one of the founding fathers of the United States. 文化背景

他是美国的开国元勋之一。

So far, 表達脈絡

到目前为止，

I have shown you the $1 bill

我已经给你们展示了 1 美元纸币

or you can call it a buck,

或者你可以叫它 a buck，

the $2 bill,

2 美元纸币，

$5 bill and $10 bill.

5 美元纸币和 10 美元纸币。

I have $18 or you can say 18 bucks

我有 18 美元，或者你可以说 18 bucks

18 bucks.

18 bucks。

And what does buck mean?

那么 buck 是什么意思呢？

Well, that is slang for dollar.

嗯，那是 dollar（美元）的俚语。

That is just $1.

其实就是 1 美元。

This is the next bill.

这是下一张纸币。

This is a $20 bill

这是一张 20 美元纸币，

and this is Andrew Jackson.

上面这位是安德鲁·杰克逊。

He's on the $20 bill.

他在 20 美元纸币上。

You can say 20 bucks or 20 dollars.

你可以说 20 bucks 或 20 dollars。

The next bill is a $50 bill

下一张纸币是一张 50 美元纸币，

and he was the 18th president of the United States.

他是美国第 18 任总统。

His name is Ulysses S. Grant.

他的名字是尤利西斯·S·格兰特。

And the last bill and the most common bill in the US is the $100 bill.

最后一张，也是美国最常见的纸币，是 100 美元纸币。

And this has Benjamin Franklin on it.

上面印有本杰明·富兰克林。

He was a scientist.

他是一位科学家。

He discovered electricity

他发现了电，

and he was one of the founding fathers of the United States.

也是美国的开国元勋之一。

But he was never president.

但他从未当过总统。

This is one of the most common bills in the US,

这是美国最常见的纸币之一，

so people use this a lot.

所以人们经常使用它。

And one of the least common bills is the $2 bill.

而最不常见的纸币之一是 2 美元纸币。

The most circulated bill or the most common bill in the US is the $100 bill.

美国流通量最大或者说最常见的纸币是 100 美元纸币。

The least common bill is this one.

最不常见的是这一张。

This is the $2 bill

这是 2 美元纸币，

and it's one of the least common

而且是最不常见的纸币之一，

because it stopped printing in 1966

因为在 1966 年左右，它停印了

for around 10 years.

大约 10 年的时间。

So, that's why it's one of the least common bills in the US.

所以，这就是为什么它是美国最罕见的纸币之一。

Another form of cash or physical money is coins.

现金或实体现金的另一种形式是硬币。

These are coins

这些是硬币，

and let's start off with the first one.

让我们从第一枚开始。

This is 1 cent or you can call it a penny. 文化背景

这是 1 美分，或者你可以叫它 a penny。

Penny.

Penny。

This is 5 cents or you can call it a nickel.

这是 5 美分，或者你可以叫它 a nickel。

Nickel.

Nickel。

And it's called a nickel

它被称为 nickel（镍），

because it's made of 25% nickel.

因为它是由 25% 的镍制成的。

The next coin is this one.

下一枚硬币是这个。

This is 10 cents

这是 10 美分，

or it's a dime.

或者它叫 a dime。

Dime.

Dime。

And lastly,

最后，

this is 25 cents.

这是 25 美分。

It's called a quarter.

它被称为 a quarter。

Quarter.

Quarter。

Four quarters makes $1 語法

四个 quarter 等于 1 美元，

and 100 pennies makes $1 too.

100 个 penny 也等于 1 美元。

Now, what happens if you travel across the world

那么，如果你在世界各地旅行，

and you're in a country

你在一个国家，

and you want to pay with the $1 bill.

你想用 1 美元纸币付款会怎样呢？

Can you use it?

你能使用它吗？

Well, some countries might accept the US dollar,

嗯，有些国家可能会接受美元，

but some of them won't.

但有些国家不会。

So, you have to use their type of currency.

所以，你必须使用他们国家的货币。

To give you some examples of different types of currencies,

为了给大家一些不同类型货币的例子，

I have different types of currencies or cash in my hand.

我现在手里拿着不同类型的货币或现金。

This is 50 pesos.

这是 50 比索。

Pesos is the currency they use in Mexico.

比索是他们在墨西哥使用的货币。

And this is the equivalent to $3. 短語搭配

这相当于 3 美元。

50 pesos is $3

50 比索是 3 美元。

So, I'll keep this bill in my piggy bank

所以，我会把这张纸币存进我的存钱罐里，

just in case if I travel in Mexico, 語法

以防万一我去墨西哥旅行，

so I can use it in person.

这样我就可以亲自使用它。

This bill is from Argentina.

这张纸币来自阿根廷。

This is 1,000 pesos.

这是 1000 比索。

So, this is equivalent to $1.

这相当于 1 美元。

And if I want to go to Argentina

如果我想去阿根廷，

and if I want to spend money there,

并且如果我想在那里消费，

I will need to use this bill.

我就需要用这张纸币。

This is 20,000 pesos,

这是 20000 比索，

but this bill is from Colombia.

但这张纸币来自哥伦比亚。

It's not from Mexico nor Argentina.

它不是来自墨西哥，也不是来自阿根廷。

In the United States,

在美国，

we use the dollar

我们使用美元，

and in Canada, they use the dollar as well,

在加拿大，他们也使用元，

but they use the Canadian dollar.

但他们使用的是加元。

And in Latin America, it's kind of similar.

而在拉丁美洲，情况有点类似。

So, they use pesos.

他们使用比索。

This is from Argentina.

这是阿根廷的。

This is from Colombia

这是哥伦比亚的，

and this is Mexico.

这是墨西哥的。

So, Americans and Canadians

所以，美国人和加拿大人

use the dollar,

使用元（dollar），

whereas some parts of Latin America, 語法

然而在拉丁美洲的某些地区，

they use pesos.

他们使用比索。

In some parts of Europe, they use the euro.

在欧洲的某些地区，他们使用欧元。

This is 10 euros.

这是 10 欧元。

But in some countries in Europe,

但在欧洲的一些国家，

they do not use the euro

他们不使用欧元，

like for example, in Poland, they use złoty.

例如在波兰，他们使用兹罗提。

This is 100 złoty.

这是 100 兹罗提。

In some parts of the world,

在世界上的某些地区，

the currency may change over time

货币可能会随着时间改变

because of inflation. 用詞

因为通货膨胀。

For example,

例如，

this is 100 bolívares

这是 100 玻利瓦尔，

and this bill is from Venezuela.

这张纸币来自委内瑞拉。

If I go to Venezuela

如果我去委内瑞拉

right now and I try to pay for something,

现在我试着用它买东西，

they will not accept this bill.

他们不会接受这张纸币。

So, this bill has no value.

所以，这张纸币没有价值。

But this bill does have value 語法

但这纸币确实有价值

in antique shops

在古董店里，

and I can collect it for the future.

我可以为未来把它收藏起来。

And the last bill I have is this one.

我有的最后一张纸币是这张。

A lot of my subscribers come from this country.

我的很多订阅者都来自这个国家。

Can you tell me down below

你能否在下方

in the comments

在评论区告诉我，

where this bill is from

这张纸币是哪里的，

and what it's called?

以及它叫什么吗？

If you have a lot of money,

如果你有很多钱，

you may be rich or wealthy. 用詞

你可能很富有（rich / wealthy）。

But if you don't have any money,

但如果你没有钱，

you may be broke or poor.

你可能身无分文（broke）或很穷（poor）。

After earning money, 語法

赚到钱之后，

you may need something to do with it.

你可能需要用它做点什么。

You may need to spend it.

你可能需要花掉它。

So, how do you spend money?

那么，你要怎么花钱呢？

Well, you can save your money 短語搭配

嗯，你可以把钱存起来，

in a piggy bank

放进存钱罐里，

or you can spend it on something.

或者你可以把它花在某些东西上。

Right, now I'm going to spend some money

对，现在我要花点钱

on an ice cream cone.

买个甜筒冰淇淋。

Come along with me

跟我来，

and let's spend some money at Graeter's,

我们去 Graeter's 花点钱吧，

the ice cream shop.

那家冰淇淋店。

What are some ways I can pay for my ice cream? 短語搭配

我有哪些方式来付我的冰淇淋钱呢？

Well, I can pay for it with bills.

嗯，我可以用纸币付账。

This is cash and this is 10 bucks.

这是现金，而且这是 10 bucks。

I can also use

我也能用

a credit card or a debit card 文化背景

信用卡或借记卡

to pay for my ice cream.

来买我的冰淇淋。

And lastly,

最后，

I can use a check.

我可以用支票（check）。

This is one of the least common ways to pay for things,

这是付款买东西最少见的方式之一，

but you can use it at an ice cream shop

但你可以在冰淇淋店用它，

or anywhere you go.

或者在任何你去的地方用。

But please,

但是拜托了，

I don't want to wait in line inside 短語搭配

我可不想在排队时等在

the ice cream shop waiting for you to sign your check 短語搭配

冰淇淋店里看你在那儿签支票，

because you are paying with the check.

就因为你要用支票付款。

So, try to use some different forms

所以，尽量使用不同形式的付款方式，

like a credit card or cash

比如信用卡或现金，

to speed up the process. 短語動詞

来加快整个过程。

I just spent $4.50 for one scoop of ice cream 短語搭配

我刚花了 4.50 美元买了一勺冰淇淋

on a cone.

带甜筒的。

And they gave me a receipt.

他们还给了我一张收据（receipt）。

So, normally when you spend money,

所以，通常你花钱之后，

you'll get a receipt.

你会得到一张收据。

Also, when you pay for things in different states,

同样，当你在不同的州买东西时，

you'll get a sales tax. 文化背景

你需要交消费税（sales tax）。

So, every time you spend money,

所以，每次你花钱时，

you will have an additional tax.

你都会有一笔额外的税。

For example,

例如，

this costs $4.50.

这花了 4.50 美元。

But with tax,

但加上税之后，

it'll be around $5.

大概是 5 美元。

So, each state will have a different tax.

因此，每个州都有不同的税。

I withdrew some money earlier,

我刚才取了一些钱，

but now I want to put that money back into my bank account.

但现在我想把那些钱存回我的银行账户。

So, now I will deposit that money,

所以，现在我要把那笔钱存进去，

this money over there at the ATM.

存进那边的自动取款机里。

I'm going to deposit this money

我要把这笔现金存入

at a different bank,

另一家银行，

at Fifth Third.

在 Fifth Third。

I can deposit cash inside my bank

我可以在我的银行里面存现金，

or I can deposit this at the ATM.

或者我可以在自动取款机上存进去。

So, now I have to scan this code

所以，现在我必须扫这个码，

with my Fifth Third mobile app.

用我的 Fifth Third 手机应用。

Now, I'm going to deposit this cash.

现在，我要把这笔现金存进去。

And it says checks or cash.

上面显示：支票或现金。

I will click cash.

我会点击“现金”。

And it says insert up to 25 bills.

上面写着：最多插入 25 张纸币。

It says insert cash

它写着：存入现金

and touch to finish deposit.

点击以完成存款。

And now, they are counting my cash.

现在，他们正在清点我的现金。

I just deposited money back into a different bank account

我刚刚把钱存回了另一个银行账户里，

and they gave me a receipt with my account balance 短語搭配

他们给了我一张收据，上面写着我的账户余额

and everything on here.

所有信息都在上面。

Okay, everybody.

好了，大家。

I hope you all enjoyed this video.

我希望你们都喜欢这支视频。

Go ahead and give me a like and subscribe.

去给我点个赞并订阅吧。

And I'll see you guys next week.

我们下周见。

Bye.

拜拜。