讓我們用英文聊聊關於「錢」的話題：英語精讀講義

Hey everybody,

大家好，

it's Ariannita la Gringa

我是 Ariannita la Gringa，

and welcome back to my YouTube channel.

歡迎回到我的 YouTube 頻道。

In today's video,

在今天的影片中，

I will teach all of you about money.

我將教大家關於錢的知識。

And what is money?

那麼錢是什麼呢？

Money is what people use to buy things or services.

錢是人們用來購買物品或服務的東西。

For example,

例如，

you can use money to buy clothes,

你可以用錢買衣服，

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

你可以用錢買食物或很多其他東西。

Money comes in different forms.

錢有不同的形式。

For example,

例如，

I am holding cash in my hand.

我現在手裡拿著現金。

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

這就是現金，現金是錢的實體形式。

This is cash.

這就是現金。

Cash is basically bills or coins.

現金基本上就是紙鈔或硬幣。

I have some coins in my pocket.

我口袋裡有一些硬幣。

These are coins.

這些就是硬幣。

Both of these are different types of cash,

這兩種都是不同類型的現金，

bills and coins.

紙鈔和硬幣。

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

那你要怎麼獲得更多現金或錢的實體形式呢？

Well, of course,

嗯，當然了，

money doesn't grow on trees, 慣用語

錢不是從樹上長出來的，

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

但你可以從自動提款機領出現金。

There's an ATM over there behind me

我身後那邊有一台 ATM 自動提款機，

and that stands for automated teller machine. 片語動詞

它代表 automated teller machine（自動提款機）。

This is an ATM machine.

這是一台自動提款機。

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

這是一台讓你能夠從銀行帳戶裡領出錢或現金的機器，

and that's called withdraw.

這就叫提款。

So you can withdraw money from the ATM.

所以你可以從自動提款機領出現金。

ATM stands for automated teller machine.

ATM 代表自動提款機。

If you have physical cash,

如果你有實體現金，

you can put in money in the ATM

你可以把錢存進自動提款機，

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.

你可以把錢領出來，拿到實體的現金。

And you can find ATM machines

你能找到自動提款機

outside your bank like right here

就在你銀行的外面，像這裡一樣，

or you can also find it inside the bank,

或者你也能在銀行裡面找到它，

inside shopping malls, stores or even restaurants.

在購物中心裡、商店裡，甚至餐廳裡。

Now, what is a bank?

那麼，銀行是什麼呢？

Well,

嗯，

there's a bank right behind me.

我身後正有一家銀行。

It's called Fifth Third Bank

它叫 Fifth Third Bank（五三銀行），

and there's another one to my right.

在我右邊還有另一家。

It's called US Bank.

它叫 US Bank（美國銀行）。

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

銀行是一個安全的地方，人們可以把錢存放在那裡，

and you can borrow money from the bank 用詞

而且你可以向銀行借錢，

or you can ask the bank to lend you money.

或者你可以請銀行貸款給你。

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

我沒有 US Bank 的銀行帳戶，

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

但我確實有 Bank of America（美國銀行）的帳戶。

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

所以，我準備前往那台自動提款機，

the automated teller machine

也就是 ATM 機

and withdraw some money.

去領一些錢。

Come along with me.

跟我來吧。

I'm about to walk over there to my bank

我正準備走去我的銀行那邊，

called Bank of America.

叫 Bank of America。

But in this area,

但在這一區，

they have over five banks.

這裡有超過五家銀行。

They have Bank of America,

有 Bank of America、

Chase,

Chase（大通銀行）、

Fifth Third,

Fifth Third、

US Bank and Huntington.

US Bank 還有 Huntington。

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

在這個小區域裡算是有非常多銀行了。

There's almost 5,000 banks in America.

在美國有將近 5000 家銀行。

And behind me,

而在我身後，

this is Chase Bank.

這是 Chase Bank。

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

它是最常見的銀行之一，擁有超過 8000 萬名客戶。

Go ahead and let me know down below

歡迎在下面留言告訴我，

what is the most common bank in your country.

在你的國家最常見的銀行是什麼。

Talking about money,

說到錢，

what's your favorite way to spend it?

你最喜歡怎麼花錢呢？

I enjoy spending my money on new activities

我喜歡把錢花在新的活動上，

and things like learning a new language.

比如學習一門新語言。

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

而學習新語言最好的應用程式就是今天的贊助商：

Preply.

Preply。

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

Preply 是一個語言學習平台，擁有數千名母語導師。

You can take lessons anytime

你可以隨時上課，

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

並安排一堂符合你的預算和繁忙行程的課程。

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

你還可以使用篩選功能來縮小搜尋範圍，

and find the perfect teacher.

進而找到完美的老師。

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

Preply 是與老師練習的最佳方式，老師會真正地激勵你，

and will make your language learning easier.

並讓你的語言學習變得更輕鬆。

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

在首次試聽課中使用我的折扣碼 ARIANNITA50，即可獲得 50% 的折扣。

Thanks to Preply for sponsoring this portion of this video.

感謝 Preply 贊助本影片的這個部分。

Let's get back to the video. 表達脈絡

讓我們回到影片中來。

I just got to my bank,

我剛到了我的銀行，

Bank of America.

Bank of America。

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

為了成為這家銀行的客戶，

I need to have a bank account.

我需要有一個銀行帳戶。

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

那是可以在銀行裡把我的錢安全存放的地方。

So, you can have two different accounts.

所以，你可以擁有兩種不同的帳戶。

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

你可以擁有一個支票帳戶或一個儲蓄帳戶。

Now, I'm going to walk inside the bank

現在，我要走進銀行裡面，

and check out the ATM 片語動詞

去看看那台自動提款機，

because I want to withdraw some money

因為我想領一些錢，

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

並給你們展示一下我們在美國使用的不同紙鈔。

And in order to enter the bank, 文法

為了進入銀行，

you need to be a client.

你需要成為客戶。

You can't just open up the door.

你不能直接拉開門。

No, this door is locked.

不行，這扇門鎖著。

There's a code right here to enter.

這裡有一個密碼鎖用來進入。

So, in order to enter the bank,

所以，為了進入銀行，

I need to have a debit card

我需要有一張簽帳金融卡，

or I can just use Apple Pay,

或者我可以直接用 Apple Pay，

my debit card on my phone.

就是手機上的金融卡。

I have my debit card on my phone,

我手機裡有金融卡，

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

所以我可以直接在這裡掃描一下然後走進去。

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

現在，我要從自動提款機領現金，

from the automated teller machine.

從這台 ATM 機器上。

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

那也就是說我要把錢領出來，

from my bank account.

從我的銀行帳戶裡。

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

所以，為了從你的銀行帳戶裡領錢，

you need a debit card

你需要一張簽帳金融卡，

or I can use the one on my phone.

或者我可以用手機上的那張。

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

所以，現在我要在這裡掃描它。

Now, it says enter your PIN. 文化背景

現在，上面寫著輸入您的密碼（PIN）。

So, I'm going to enter my PIN.

所以，我要輸入我的密碼。

And now the screen says

現在螢幕上寫著

get cash, make deposit, 文化背景

提取現金、辦理存款、

check balance or view more.

查詢餘額或查看更多。

So, the ATM has different functions.

所以，這台自動提款機有不同的功能。

You can deposit money if you have physical cash 用詞

如果你有實體現金，你可以存款，

and that cash will go into your bank account

這些現金將進入你的銀行帳戶，

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

或者你可以提款，也就是把錢從你的銀行帳戶裡領出來。

I personally want to get cash

我個人想要提領現金，

because I want to withdraw money from my bank account.

因為我想從我的銀行帳戶裡領款。

Now, the screen says

現在，螢幕上寫著

how much cash do you want? 文法

您想要多少現金？

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

你可以領 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

我準備從銀行帳戶裡領 200 美元，

because I want to show you guys the different bills.

因為我想向你們展示不同的紙鈔。

Now, the screen says

現在，螢幕上寫著

how would you like your $200? 語氣意圖

您希望如何提取這 200 美元？

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

你可以選擇要 10 美元、20 美元或 100 美元面額的。

Now, it says take your cash.

現在，上面寫著請取走您的現金。

Now, that I have some cash,

既然我現在有一些現金了，

I can put it in my back pocket,

我可以把它放在我的後口袋裡，

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

但我不想這麼做，因為我在城市裡，

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

我可不想任何人偷走我的錢。

So, I can put it in my purse. 用詞

所以，我可以把它放進我的包包裡。

This is a purse.

這是一個包包（purse）。

Or I can put the cash in my wallet.

或者我可以把現金放進我的皮夾（wallet）。

These are both safe places to put my money.

這兩個都是放錢的安全地方。

I just took out some money from the ATM.

我剛從自動提款機裡領了一些錢。

This is cash.

這是現金。

It's physical money.

它是實體的錢。

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

我想給你們看看我們在美國使用的不同面額的紙鈔。

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

讓我們從第一張紙鈔開始。

This is the $1 bill.

這是 1 美元紙鈔。

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.

那麼，下一張紙鈔不太常見。

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

它很難找到，有時候銀行甚至都沒有。

This is the $2 bill.

這是 2 美元紙鈔。

This is $2.

這是 2 美元。

The next bill is this one.

下一張紙鈔是這個。

This is a $5 bill

這是一張 5 美元紙鈔，

and most bills have presidents on them.

大多數紙鈔上印有總統的頭像。

This is Abraham Lincoln.

這位是亞伯拉罕·林肯。

The next bill is this one.

下一張紙鈔是這個。

This is a $10 bill.

這是一張 10 美元紙鈔。

And as I said before,

正如我之前所說，

most bills have a president on them,

大多數紙鈔上都印有一位總統，

but this is Alexander Hamilton

但這位是亞歷山大·漢彌爾頓，

and he was never president

他從未擔任過總統，

nor did he ever run for president. 文法

也從未競選過總統。

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

他是美國的開國元勳之一。

So far, 表達脈絡

到目前為止，

I have shown you the $1 bill

我已經給你們展示了 1 美元紙鈔

or you can call it a buck,

或者你可以叫它 a buck，

the $2 bill,

2 美元紙鈔，

$5 bill and $10 bill.

5 美元紙鈔和 10 美元紙鈔。

I have $18 or you can say 18 bucks

我有 18 美元，或者你可以說 18 bucks

18 bucks.

18 bucks。

And what does buck mean?

那麼 buck 是什麼意思呢？

Well, that is slang for dollar.

嗯，那是 dollar（美元）的俚語。

That is just $1.

其實就是 1 美元。

This is the next bill.

這是下一張紙鈔。

This is a $20 bill

這是一張 20 美元紙鈔，

and this is Andrew Jackson.

上面這位是安德魯·傑克遜。

He's on the $20 bill.

他在 20 美元紙鈔上。

You can say 20 bucks or 20 dollars.

你可以說 20 bucks 或 20 dollars。

The next bill is a $50 bill

下一張紙鈔是一張 50 美元紙鈔，

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

他是美國第 18 任總統。

His name is Ulysses S. Grant.

他的名字是尤利西斯·S·格蘭特。

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

最後一張，也是美國最常見的紙鈔，是 100 美元紙鈔。

And this has Benjamin Franklin on it.

上面印有班傑明·富蘭克林。

He was a scientist.

他是一位科學家。

He discovered electricity

他發現了電，

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

也是美國的開國元勳之一。

But he was never president.

但他從未當過總統。

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

這是美國最常見的紙鈔之一，

so people use this a lot.

所以人們經常使用它。

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

而最不常見的紙鈔之一是 2 美元紙鈔。

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

美國流通量最大或者說最常見的紙鈔是 100 美元紙鈔。

The least common bill is this one.

最不常見的是這一張。

This is the $2 bill

這是 2 美元紙鈔，

and it's one of the least common

而且是最不常見的紙鈔之一，

because it stopped printing in 1966

因為在 1966 年左右，它停印了

for around 10 years.

大約 10 年的時間。

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

所以，這就是為什麼它是美國最罕見的紙鈔之一。

Another form of cash or physical money is coins.

現金或實體現金的另一種形式是硬幣。

These are coins

這些是硬幣，

and let's start off with the first one.

讓我們從第一枚開始。

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

這是 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.

這是 5 美分，或者你可以叫它 a nickel。

Nickel.

Nickel。

And it's called a nickel

它被稱為 nickel（鎳），

because it's made of 25% nickel.

因為它是由 25% 的鎳製成的。

The next coin is this one.

下一枚硬幣是這個。

This is 10 cents

這是 10 美分，

or it's a dime.

或者它叫 a dime。

Dime.

Dime。

And lastly,

最後，

this is 25 cents.

這是 25 美分。

It's called a quarter.

它被稱為 a quarter。

Quarter.

Quarter。

Four quarters makes $1 文法

四個 quarter 等於 1 美元，

and 100 pennies makes $1 too.

100 個 penny 也等於 1 美元。

Now, what happens if you travel across the world

那麼，如果你在世界各地旅行，

and you're in a country

你在一個國家，

and you want to pay with the $1 bill.

你想用 1 美元紙鈔付款會怎樣呢？

Can you use it?

你能使用它嗎？

Well, some countries might accept the US dollar,

嗯，有些國家可能會接受美元，

but some of them won't.

但有些國家不會。

So, you have to use their type of currency.

所以，你必須使用他們國家的貨幣。

To give you some examples of different types of currencies,

為了給大家一些不同類型貨幣的例子，

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

我現在手裡拿著不同類型的貨幣或現金。

This is 50 pesos.

這是 50 披索。

Pesos is the currency they use in Mexico.

披索是他們在墨西哥使用的貨幣。

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

這相當於 3 美元。

50 pesos is $3

50 披索是 3 美元。

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

所以，我會把這張紙鈔存進我的存錢筒裡，

just in case if I travel in Mexico, 文法

以防萬一我去墨西哥旅行，

so I can use it in person.

這樣我就可以親自使用它。

This bill is from Argentina.

這張紙鈔來自阿根廷。

This is 1,000 pesos.

這是 1000 披索。

So, this is equivalent to $1.

這相當於 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,

並且如果我想在那裡消費，

I will need to use this bill.

我就需要用這張紙鈔。

This is 20,000 pesos,

這是 20000 披索，

but this bill is from Colombia.

但這張紙鈔來自哥倫比亞。

It's not from Mexico nor Argentina.

它不是來自墨西哥，也不是來自阿根廷。

In the United States,

在美國，

we use the dollar

我們使用美元，

and in Canada, they use the dollar as well,

在加拿大，他們也使用元，

but they use the Canadian dollar.

但他們使用的是加幣。

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

而在拉丁美洲，情況有點類似。

So, they use pesos.

他們使用披索。

This is from Argentina.

這是阿根廷的。

This is from Colombia

這是哥倫比亞的，

and this is Mexico.

這是墨西哥的。

So, Americans and Canadians

所以，美國人和加拿大人

use the dollar,

使用元（dollar），

whereas some parts of Latin America, 文法

然而在拉丁美洲的某些地區，

they use pesos.

他們使用披索。

In some parts of Europe, they use the euro.

在歐洲的某些地區，他們使用歐元。

This is 10 euros.

這是 10 歐元。

But in some countries in Europe,

但在歐洲的一些國家，

they do not use the euro

他們不使用歐元，

like for example, in Poland, they use złoty.

例如在波蘭，他們使用茲羅提。

This is 100 złoty.

這是 100 茲羅提。

In some parts of the world,

在世界上的某些地區，

the currency may change over time

貨幣可能會隨著時間改變

because of inflation. 用詞

因為通貨膨脹。

For example,

例如，

this is 100 bolívares

這是 100 玻利瓦爾，

and this bill is from Venezuela.

這張紙鈔來自委內瑞拉。

If I go to Venezuela

如果我去委內瑞拉

right now and I try to pay for something,

現在我試著用它買東西，

they will not accept this bill.

他們不會接受這張紙鈔。

So, this bill has no value.

所以，這張紙鈔沒有價值。

But this bill does have value 文法

但這紙鈔確實有價值

in antique shops

在古董店裡，

and I can collect it for the future.

我可以為未來把它收藏起來。

And the last bill I have is this one.

我有的最後一張紙鈔是這張。

A lot of my subscribers come from this country.

我的很多訂閱者都來自這個國家。

Can you tell me down below

你能否在下方

in the comments

在留言區告訴我，

where this bill is from

這張紙鈔是哪裡的，

and what it's called?

以及它叫什麼嗎？

If you have a lot of money,

如果你有很多錢，

you may be rich or wealthy. 用詞

你可能很富有（rich / wealthy）。

But if you don't have any money,

但如果你沒有錢，

you may be broke or poor.

你可能身無分文（broke）或很窮（poor）。

After earning money, 文法

賺到錢之後，

you may need something to do with it.

你可能需要用它做點什麼。

You may need to spend it.

你可能需要花掉它。

So, how do you spend money?

那麼，你要怎麼花錢呢？

Well, you can save your money 片語搭配

嗯，你可以把錢存起來，

in a piggy bank

放進存錢筒裡，

or you can spend it on something.

或者你可以把它花在某些東西上。

Right, now I'm going to spend some money

對，現在我要花點錢

on an ice cream cone.

買個甜筒冰淇淋。

Come along with me

跟我來，

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

我們去 Graeter's 花點錢吧，

the ice cream shop.

那家冰淇淋店。

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

我有哪些方式來付我的冰淇淋錢呢？

Well, I can pay for it with bills.

嗯，我可以用紙鈔付帳。

This is cash and this is 10 bucks.

這是現金，而且這是 10 bucks。

I can also use

我也能用

a credit card or a debit card 文化背景

信用卡或簽帳金融卡

to pay for my ice cream.

來買我的冰淇淋。

And lastly,

最後，

I can use a check.

我可以用支票（check）。

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

這是付款買東西最少見的方式之一，

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,

但是拜託了，

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

我可不想在排隊時等在

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

冰淇淋店裡看你在那兒簽支票，

because you are paying with the check.

就因為你要用支票付款。

So, try to use some different forms

所以，盡量使用不同形式的付款方式，

like a credit card or cash

比如信用卡或現金，

to speed up the process. 片語動詞

來加快整個過程。

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

我剛花了 4.50 美元買了一球冰淇淋

on a cone.

帶甜筒的。

And they gave me a receipt.

他們還給了我一張收據（receipt）。

So, normally when you spend money,

所以，通常你花錢之後，

you'll get a receipt.

你會得到一張收據。

Also, when you pay for things in different states,

同樣，當你在不同的州買東西時，

you'll get a sales tax. 文化背景

你需要交營業稅（sales tax）。

So, every time you spend money,

所以，每次你花錢時，

you will have an additional tax.

你都會有一筆額外的稅。

For example,

例如，

this costs $4.50.

這花了 4.50 美元。

But with tax,

但加上稅之後，

it'll be around $5.

大概是 5 美元。

So, each state will have a different tax.

因此，每個州都有不同的稅。

I withdrew some money earlier,

我剛才領了一些錢，

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

但現在我想把那些錢存回我的銀行帳戶。

So, now I will deposit that money,

所以，現在我要把那筆錢存進去，

this money over there at the ATM.

存進那邊的自動提款機裡。

I'm going to deposit this money

我要把這筆現金存入

at a different bank,

另一家銀行，

at Fifth Third.

在 Fifth Third。

I can deposit cash inside my bank

我可以在我的銀行裡面存現金，

or I can deposit this at the ATM.

或者我可以在自動提款機上存進去。

So, now I have to scan this code

所以，現在我必須掃這個碼，

with my Fifth Third mobile app.

用我的 Fifth Third 手機應用程式。

Now, I'm going to deposit this cash.

現在，我要把這筆現金存進去。

And it says checks or cash.

上面顯示：支票或現金。

I will click cash.

我會點擊「現金」。

And it says insert up to 25 bills.

上面寫著：最多插入 25 張紙鈔。

It says insert cash

它寫著：存入現金

and touch to finish deposit.

點擊以完成存款。

And now, they are counting my cash.

現在，他們正在清點我的現金。

I just deposited money back into a different bank account

我剛剛把錢存回了另一個銀行帳戶裡，

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

他們給了我一張收據，上面寫著我的帳戶餘額

and everything on here.

所有資訊都在上面。

Okay, everybody.

好了，大家。

I hope you all enjoyed this video.

我希望你們都喜歡這支影片。

Go ahead and give me a like and subscribe.

去給我點個讚並訂閱吧。

And I'll see you guys next week.

我們下週見。

Bye.

拜拜。