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When was the word millionaire first used in English?
In this program,we are talking about finance, and in particular, planning for our future lifestyles. I can barely afford my current lifestyle, I’ll say 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 C.1800s. What do you think Rob? I’m going to guess that it’s the 1600s, as there had always been very wealthy people. Well, I’ll review the answer later. Now the BBC Money Box Program 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 organization. She talked about the process of lifestyle financial planning. How many numbers does she say you need to start with? “well, we will start by saying that we need to put together our lifetime cash flow forecast or model, you just need four numbers, your income, your expenditure, assets,liabilities, then we can project forward to show you what sort of lifestyle you will have. If you do nothing at all, if you engage you do some of the things that perhaps an (), pension or any other kind of financial project might help you with.” So how many numbers do you need? She says you just start with four numbers. That’s right. The first of these numbers is your income. This is the money that you have coming in. Your salary for example. Then there is a number for your expenditure. This is the money you have going out for rent, food, entertainment, transport, and so on. The next number was for assets. This is the cash value of things you own. for example, property, cars,jewelry as well as savings and investments. Finally, there is liabilities. This is the money you owe.,for example,on credit cards or loans. So if you know these details, she says they can come up with a lifetime cash flow forecast , which is a calculation of how much money you can expect to have in the future, if that is enough to meet your expectations. Do you have those details? Do you know your numbers Rob? I have a very detailed spread sheet. Well I do list my income and expenditure. So I do know from month to month, how much money I need, how much I can spend. That sounds very organized. What does it tell you about your future? Well it just reminds me of exactly how much money I don’t have. It’s quite impressing. How about you 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 if by magic, it will all work out in the end. So it will be difficult for me to come up with those four numbers. Anyway, let’s listen to Julie Lord again, describing the lifestyle financial planning process. “well, we will start by saying that we need to put together our lifetime cash flow forecast or model, you just need four numbers, your income, your expenditure, assets,liabilities, then we can project forward to show you what sort of lifestyle you will have. If you do nothing at all, if you engage you do some of the things that perhaps an (), pension or any other kind of financial project might help you with.” Is lifestyle financial planning only for old people with good pension? Not, according to 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, they say we just want to get financially organized.We’ve heard about all these stuff. These financial products. No idea really what they are or more importantly, what they are going to do for us. So can you give us a hand to help us look forward to see what will happen.” So she also has younger clients who ask for her company’s help. Yes, she uses the phrase “give us a hand” which means to help someone. If you give someone a hand, you help them. Exactly, in a way that I give you a hand with six- minute English. Well, I think, I give you a hand, rather than the other way round Neil. Really, Well Let’s not ( fall out) about it.
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