72- How Your English Investment Is Safer than Your Wall Street Investment 72- Wie Ihre englische Investition sicherer ist als Ihre Investition an der Wall Street 72- Cómo su inversión en inglés es más segura que su inversión en Wall Street 72- Comment votre investissement en anglais est plus sûr que votre investissement à Wall Street 72- Come il vostro investimento in inglese è più sicuro di quello a Wall Street 72- あなたの英語投資がウォール街の投資より安全な理由 72- Jak angielskie inwestycje są bezpieczniejsze niż te na Wall Street? 72- Como o seu investimento em inglês é mais seguro do que o seu investimento em Wall Street 72 - 为什么你的英国投资比你的华尔街投资更安全

Lindsay: This is an All Ears English Podcast, Wisdom Wednesday: Episode 72, “How Your English Investment is Safer than Your Wall Street Investment.” Lindsay：這是一個全耳英語播客，智慧星期三：第 72 集，“你的英語投資如何比你的華爾街投資更安全。”

Gabby: Welcome to the All Ears English Podcast, where you'll finally get real, native English conversation. Gabby：歡迎來到 All Ears English Podcast，在這裡您終於可以得到真正的、道地的英語對話。 Now here are your hosts, Lindsay McMahon, the ‘English Adventurer' and Gabby Wallace, the ‘Language Angel,' coming to you from Boston, Massachusetts, USA.

Lindsay: In today's episode, you'll learn a hot investment tip. Lindsay：在今天的節目中，您將學到一個熱門的投資技巧。

Gabby:

Hey.

Lindsay:

Hey Gabby.

Gabby:

Hey Lindsay. What's up?

Lindsay:

How you doing today?

Gabby:

I'm good. How are you?

Lindsay:

Good. I have a question for you. 我有一個問題問你。

Gabby:

Okay.

Lindsay:

So do you (uh) invest in the stock market? 那你（呃）投資股票市場嗎？ Do you put your money in the Dow Jones or the NASDAQ? 你把錢投入道瓊指數還是那斯達克指數？

Gabby:

Well, when I have some money to spare, yeah. 好吧，當我有閒錢的時候，是的。

Lindsay:

All right.

Gabby:

But it has to be money that I'm okay with losing. 但必須是我可以接受失去的錢。

Lindsay:

Yeah, absolutely. You have to be ready to play the game and run the risk. 你必須準備好玩這個遊戲並承擔風險。

Lindsay:

Yeah because there's no guarantee that the money you put into the stock market will come back to you. 是的，因為不能保證你投入股市的錢會回到你身邊。

Lindsay:

Definitely. Definitely. What do you think is – so what do you think is a good way to make sure that the money is more likely to come back to you. 您認為是什麼 - 那麼您認為確保錢更有可能回到您身邊的好方法是什麼。 (I mean) is there any way you can sort of protect yourself against risk? （我的意思是）有什麼方法可以保護自己免受風險嗎？

Gabby:

(Um), not really. （嗯），不是真的。 You can't ever be, (you know), risk-free, but (you know), there's (there are) general rules like don't put your eggs all in one basket, meaning to… Lindsay: 你永遠不可能（你知道）沒有風險，但是（你知道），有（有）一般規則，例如不要把雞蛋都放在一個籃子裡，這意味著… Lindsay：

Right.

Gabby:

…diversify your investments. …使您的投資多樣化。

Lindsay:

Yeah.

Gabby:

(Um), so yeah.

Lindsay:

Diversify.

Gabby:

(I mean) that's one…

Lindsay:

Yeah.

Gabby:

…one big rule, yeah. ……一個大規則，是的。

Lindsay:

Yeah, (I mean) my mom is really into investing. 是的，（我的意思是）我媽媽真的很喜歡投資。

Gabby:

Oh yeah.

Lindsay:

And one thing – I hope I get these terms right. 還有一件事——我希望我能正確理解這些條款。 We are not financial analysts and we're not giving financial advice, just so you know, but she talks about dollar cost averaging… Gabby: 我們不是財務分析師，我們不會提供財務建議，只是讓你知道，但她談論的是平均成本…加比：

Oh.

Lindsay:

…which I think means that you continue to make a set investment at the same time every month, every week. ……我認為這意味著你繼續在每個月、每週的同一時間進行固定投資。

Gabby:

Oh right.

Lindsay:

So then you spread your risk out so that you're not just taking money out when things go down and putting it back in when things go up. 因此，你可以分散風險，這樣你就不會只是在股市下跌時取出資金，在股市上漲時將資金放回原處。

Gabby:

Right.

And that would probably be an easy way to invest if you don't want to watch the market closely. 如果您不想密切關注市場，這可能是一種簡單的投資方式。

Lindsay:

Yeah.

And it seems like this could also– this technique could also work for English learners. 看起來這也可以——這項技術也適用於英語學習者。

Gabby:

(You know), that's what we were talking about and I think it's interesting- the comparison we can draw between investing your money versus investing your time in learning a language like English. （你知道），這就是我們正在討論的內容，我認為這很有趣——我們可以在投資金錢和投資時間學習英語等語言之間進行比較。 (Um) I've been learning Arabic. （嗯）我一直在學習阿拉伯語。 And I just started, but my class meets four out of five days a week, so little by little, an hour every day, I'm investing my time and my effort in Arabic language skills. 我剛開始，但我的課程每週五天中有四天，所以一點一點地，每天一個小時，我將我的時間和精力投入到阿拉伯語技能上。

Lindsay:

Yeah.

I like that.

You're not trying to just dump all of your money… Gabby: 你不會想把你所有的錢都丟掉…加比：

Right.

Lindsay:

…or your time into this game, but you're doing it regularly. ……或你玩這個遊戲的時間，但你經常這樣做。

Gabby:

Yeah.

And I think that, (you know), over the long term, that investment will pay off. 我認為，（你知道）從長遠來看，這種投資將會得到回報。 (Um) what I mean is that, (you know), it takes some time to digest language and really internalize it and be able to use it. （嗯）我的意思是，（你知道），需要一些時間來消化語言並真正內化它並能夠使用它。 So I feel like I'll learn more by doing, (you know), an hour every day, versus, let's say the total of those hours over the semester, all in one day. 所以我覺得我可以透過每天做一個小時（你知道）來學到更多，而不是假設整個學期的總時間，全部在一天內。

Lindsay:

Yeah.

I think that's a really good (um), good strategy? 我認為這是一個非常好的（嗯）好的策略？ Have you seen any improvements? 您看到任何改進了嗎？

Gabby:

Yeah.

(I mean), I've learned some phrases. (Um), yeah, I mean it's really in the beginning. （嗯），是的，我的意思是這真的是在開始。 We just started meeting last week, but yeah, definitely, and so… Lindsay: 我們上週才開始見面，但是，是的，當然，所以… Lindsay：

Cool.

Gabby:

Yeah, I look forward to going every day and like investing a little bit more each time. 是的，我每天都期待著去，並且喜歡每次都多投入一點。

Lindsay:

So you're (like) – you're learning like a Wall Street investor. 所以你（就像）——你正在像華爾街投資者一樣學習。 (I mean) you're learning English like an investor. （我的意思是）你正在像投資者一樣學習英語。

Gabby:

Yeah, but you know what's even better about investing your time in language learning is that that's something that no one can take away from you. Oui, mais vous savez, ce qui est encore mieux dans le fait d'investir votre temps dans l'apprentissage des langues, c'est que c'est quelque chose que personne ne peut vous enlever. 是的，但你知道，將時間投入語言學習的更好之處在於，這是任何人都無法從你手中奪走的東西。

Lindsay:

Oh good one. I like that.

Gabby:

(You know), the stock market can go down… Lindsay: （你知道），股市可能會下跌… Lindsay：

Yeah.

Gabby:

…but (um) most likely, you're not going to forget everything you learned… Lindsay: ....但是（嗯）最有可能的是，你不會忘記你學到的一切...... Lindsay：

If you keep practicing. 如果你繼續練習的話。

Gabby:

If you keep practicing.

Yeah, yeah. So I mean your language education is always there. 所以我的意思是你的語言教育始終存在。 That's not something that anyone can (um) steal or, or scheme away from you. 這不是任何人都可以（嗯）竊取或從你手中竊取的東西。

Lindsay:

Very true. Very true. Great advice. 很好的建議。

Gabby:

Oh, thanks. Yeah.

(I mean) it's a good comparison to think about not only investing your money, but investing your time in language learning. （我的意思是）這是一個很好的比較，不僅要考慮投資你的錢，還要考慮投資你的時間在語言學習上。

Lindsay:

All right.

So good luck guys.

Gabby:

Yeah, it'll come back to you. 是的，它會回到你身邊。

[Instrumental]

Lindsay: If you wanna (want to) learn four ways to win with English, come to our website and join our email group and we will send you a special audio message that shares our four All Ears English strategies for learning English and winning at English. Lindsay：如果您想（想要）學習四種以英語取勝的方法，請訪問我們的網站並加入我們的電子郵件群組，我們將向您發送一條特殊的音訊訊息，其中分享我們的四種All Ears English 學習英語和贏得英語的策略。 That's allearsenglish.com/win. w-i-n.

Lindsay: If you like to put your ears into English with Lindsay and Gabby, be sure to subscribe to the podcast audio in iTunes for free on your computer or on your smartphone. Thanks for listening to the All Ears English Podcast. See you next time.