Ways to Save Money ( 4/27 Wed.)

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Andy
Vice President
文章: 116
註冊時間: 週五 12月 17, 2004 4:36 pm
來自: Taipei

Ways to Save Money ( 4/27 Wed.)

文章 Andy »

Hello! I am Andy. It's my pleasure to be the host on April 27.
Owing to some reason, I have to advance the date of my host schedule from May 18 to April 27.
Franking speaking, I feel so nervous. However, I will try my best to host the meeting.

This topic is related to saving money. Saving money is a concept similar to losing weight — most of us want to do it, but seldom implement concrete activities that will bring success. So let's discuss it and learn how to save money.

Linking Website
http://www.free-financial-advice.net/save-money.html

Here are some tips on ways to save money. Some of them are great and easy ways to save money. Others are still good ways to save money, but may require more sacrifice or take a lot of time to pay off. And remember, a penny saved is a penny earned.

•Spend less money than you earn.
•Look for a higher paying job.
•Keep your job skills sharp. Get a free trade magazine subscription.
•Adjust your lifestyle to accommodate the first rule.
•Create a financial budget to help you save.
•Do not use credit cards.
•If you do use credit cards, pay them down in full each month.
•If you have a lot of credit card debt at high rates, look into consolidating your debt.
•Lower your student loan payments.
•Forego spending money whenever possible.
•Lower your expenses.
•Stop purchasing frivolous, impulse items.
•Forego purchasing non-essential items.
•Refinance your mortgage or debt at a lower rate.
•Refinance your car loan at a lower interest rate.
•Find cheaper insurance rates.
•Use coupons to shop.
•Wait for things to go on sale before buying them.
•Don't buy anything just because it is on sale.
•Occasionally buy generic, or non-name brand merchandise.
•Wait for prices to fall before buying (applies especially to electronics items - like DVD players).
•Reward yourself for saving money. Enjoy watching your debt shrink and your investments grow.
•Drive used cars.
•Reduce your auto insurance.
•Don't eat out as much as you'd like to.
•If you eat out, buy gift certificates for half price.
•Buy discount magazines .
•Do more activities at home.
•Invest the money you save so that it earns money too.
•Create a plan to save $100 per month (or as much as you can swing). Try never to miss the monthly savings payment and try to find ways to increase it to $150 per month.
•Get 3-6 quotes anytime shopping for item over $100.
•Don't ever spend money just because you have it.
•Get free money for college by signing up for Upromise.
•Stay busy - you have less time to spend money.
•Find an inexpensive hobby to occupy your time and stop you from spending money.
•Find a hobby that you can earn money doing.
•Stop smoking.
•Go on a diet and lose weight Not only do you save money on food, look and feel better, but your long term healthcare costs should also fall dramatically.
•Look critically at how you spend and save your money.
•Learn how to manage your finances by reading financial publications.
•Increase the money you earn (second job, promotion, new job, through investments, etc.)
•Don't try to compete with your friends and neighbors.
•Don't try to compare yourself to your friends and neighbors.
•Sell your car and take the bus to work (may not apply to everyone).
•Contribute the maximum each year to your 401K or to an IRA.
•Buy Dental Insurance before you need it.
•Buy Health Insurance before you need it.
•Remember, paying down debt is also a way to save money (it saves you from a debt payment and gets you closer to having money to invest).
•Lower your phone bill.
•Lower your cable bill by ending pay channels or switching to satellite.
•Earn extra money by filling out short surveys online or earn gift cards by receiving emails and shopping through MyPoints.com.
•Practice restraint.
•Be patient.
•Start saving money today!
•Don't give up!

Discussion
Session 1:
1. Please share some tips you know on how to save money? Or tell us the craziest experience of tightening your belt.

2. Most people strive for money just in order to meet the greater desire. For what kind of things are you totally willing to spend much money on them? (Including people, events, and goods)

---Break---

Session 2:
3. What's your opinion about the people running out of money before running out of month? And do you think credit cards and cash cards are the roots of evil?

4.As the saying goes,“Money begets money.”However, no high-profit investment is free of any risk. How do you manage your money? What are the advantages and disadvantages of your investment strategy?


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Gathering Information
時間:每週三晚上7點~9點
地點:Posetop餐廳--- 敦化南路一段233巷59號(捷運板南線忠孝敦化站3號出 口, 從明曜百貨公司的巷子進入後第二個巷子,摩斯漢堡左轉)


給新朋友的話:
1. 請準備簡單的英語自我介紹;討論完畢後可能會請妳給我們一點感想或是你對我們的看法, (這個可以放輕鬆 )
2. 請事先閱討論主題相關內容以及host所提的問題,並事先寫下自己所欲發表意見的英文。
3. 來之前請先讀一下在討論主題,思考一下如何回答及討論。
4. 在正式加入之前(繳交可退還之押金NT$1,000),可以先來觀摩三次。
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Andy
Vice President
文章: 116
註冊時間: 週五 12月 17, 2004 4:36 pm
來自: Taipei

文章 Andy »

Vocabulary:

to pinch and scrape 省吃儉用
to pull in one's belt;to tighten one's belt 省吃儉用
to be totally willing to 心甘情願的
Money begets money. 錢滾錢,利滾利
subscription 訂閱\r
lifestyle 生活方式
accommodate 能容納;使相符
budget 預算
in full 全部地
look into 深入檢查
consolidate 合併
student loan 學生貸款
payment 支付
forego 放棄
frivolous 輕率的;無聊的
impulse 衝動;一時的念頭
non-essential 不重要;可有可無的
mortgage 抵押
coupon 折價卷
on sale 拍賣中
generic 一般的;沒有商標的
name brand 名牌貨
shrink 變少
gift certificate 禮券
quote 報價;開價
restraint 抑制
thrift shop 二手貨商店
IRA (Individual Retirement Account) 個人退休帳戶
Upromise 一種教育基金,可轉作學費的退款,讓你購物時同時儲蓄子女的大學教育費用。
401K 美國於1981年創立一種延後課稅的退休金帳戶,由於美國政府將相關規定明訂在國稅條例第401(K)條中,故簡稱為401(K)計劃。
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Flora
YOYO member
文章: 109
註冊時間: 週一 8月 16, 2004 12:29 pm
來自: Taiwan

文章 Flora »

昨天的聚會 說真的 很值得為Andy鼓鼓掌
第一次擔任host 每個人總不免戰戰兢兢
但 就我昨天的觀察 他的認真表現可圈可點
首先 他貼心的設計了點餐表格供大家填寫
並不時注意晚到的人 以及送餐的秩序
在小組上台報告之後 也會適時給予自己的意見
尤其是最後在幫忙他收餐費時 赫然發現
他皮夾裡帶了一疊一百元紙鈔與十元零錢
是為了找錢給大家而特地準備的呢!
當然 還有一些host的事前準備 如post文章
他也早早就詢問其他人的advice
So 在這裡給Andy第一次的精采演出 拍拍手 :P
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djlin
YOYO member
文章: 58
註冊時間: 週五 2月 25, 2005 11:02 pm

文章 djlin »

Yeah! Andy讚喔~
從容不迫的態度,充分準備的開場白
不像是第一次當host阿:) 厲害~~
djlin, a.k.a. Robert
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Wayne
Member
文章: 1500
註冊時間: 週四 5月 13, 2004 10:53 am
來自: Taipei, Taiwan, Pandemonium

文章 Wayne »

Flora 寫:昨天的聚會 說真的 很值得為Andy鼓鼓掌
第一次擔任host 每個人總不免戰戰兢兢
但 就我昨天的觀察 他的認真表現可圈可點
首先 他貼心的設計了點餐表格供大家填寫
並不時注意晚到的人 以及送餐的秩序
在小組上台報告之後 也會適時給予自己的意見
尤其是最後在幫忙他收餐費時 赫然發現
他皮夾裡帶了一疊一百元紙鈔與十元零錢
是為了找錢給大家而特地準備的呢!
當然 還有一些host的事前準備 如post文章
他也早早就詢問其他人的advice
So 在這裡給Andy第一次的精采演出 拍拍手 :P
拍拍手 x 3
Knowledge is power -- when shared.
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Andy
Vice President
文章: 116
註冊時間: 週五 12月 17, 2004 4:36 pm
來自: Taipei

文章 Andy »

謝謝大家的鼓勵,

其實我真的很想多多發表自己的意見,

也希望能積極參與每一組的討論,

不過,英文還不夠好,實在是沒辦法講得太多,

總之,我會繼續努力的! :P
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