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今天在《你该知道的事》:为什么你总是在超市排到最慢的队伍,以及该如何应对。
Today on Something You Should Know: Why it seems you always get in the slowest line at the grocery store and what to do about it.
接着,如果你不喜欢自己的声音,也有办法改善。
Then, if you don't like your voice, there are ways to make it better.
大多数人说话时,实际上都在屏住呼吸。
Most people, when they speak, are actually holding their breath.
所以他们说话时就像这样,仿佛屏住了呼吸。
So they're talking like this, as if they were holding their breath.
但只要我采用膈肌呼吸,就能排出更多空气,从而产生更饱满、更有力、更富有共鸣的声音。
But as soon as I do diaphragmatic breathing, it pushes so much more air out, which makes a thicker, more powerful, more resonant sound.
那么,让手机电池完全耗尽到零真的好吗?
Then, is it really good to let your cell phone battery drain all the way down to zero?
此外,还有重要财务问题的答案,比如该买新车还是二手车。
Plus, the answers to important financial questions, like should you buy a new car or a used one.
很明显,买二手车更划算。
It's pretty clear that buying a used car is a better deal.
原因是汽车在头一两年的折旧会大幅削减其价值。
And the reason is that those first year or two of depreciation really takes a lot of the value of the car.
那为什么不让别人来承担这部分折旧呢?
So why not let someone else pay for that depreciation?
以上所有内容,尽在《你应该知道的事》。
All this today on something you should know.
《你应该知道的事》,带来引人入胜的资讯、世界顶尖专家的见解,以及你生活中能用得上的实用建议。
Something You Should Know, fascinating intel, the world's top experts, and practical advice you can use in your life.
今天,《你应该知道的事》为您带来迈克·卡鲁瑟斯的分享。
Today, Something You Should Know with Mike Carruthers.
你知道吗,我以前在这档节目里说过,我其实挺喜欢超市购物的。
You know, I've I've said on this program before that I actually like supermarket shopping.
我喜欢去商店。
I like going to the store.
我有自己最喜欢的商店。
I have my favorite stores.
我在超市里有自己最喜欢的通道。
I have my favorite aisles in the store.
你知道吗,当我听到自己这么说时,这听起来确实很荒谬,但我真的不介意去杂货店。
You know, as I hear myself say this, it really sounds it sounds ridiculous, but I I don't mind going to the grocery store.
我有时候还挺享受这个过程的。
I enjoy it sometimes.
但我唯一不喜欢超市购物的地方就是结账,因为我总是会排在那个拿着30张优惠券、但有一张过期了的人后面。
But the one thing about grocery store shopping that I don't like is the checkout because I usually seem to get behind that person who has, you know, 30 coupons, but one of them's expired.
于是就得开始讨论那张过期的券,或者遇到用现金付款、一枚一枚数硬币的人——37枚、38枚,又或者是刷卡失败、不知所措、身上没带现金、另一张信用卡也刷不了的人。
So now there's gonna be a conversation about that or the person who pays in cash and takes the pennies out one by one, thirty seven, 38, or the person whose, you know, debit card doesn't work and they don't know what to do and they don't have any cash and their their other credit card doesn't work either.
所以我不知道你有没有过这种经历——总觉得自己排到了最慢的队伍,但事实上,这种现象相当普遍,而且已经被研究过了。
So I don't know if you've had that experience of always feeling like you've gotten in the slowest line before, but it it's apparently a pretty common phenomenon with people, and it has been studied.
你总觉得排到最慢队伍的原因,是因为这些随机的延误,比如价格核查、爱聊天的顾客,或者那个拿着38、39张优惠券的人,这些都会让队伍变得异常缓慢。
And the reason it seems like you always get into the slowest line is because of these random interruptions, like a price check or a chatty customer or the person who's 38, 39, and that slows the line way down.
而这些延误随时可能发生,任何队伍都可能遇到。
And those interruptions can happen at any time and in any line.
所以如果超市有三个结账通道,你有三分之二的概率不在最快的队伍里。
So if there are three check stands open in the supermarket, you have a two out of three chance of not being in the fastest line.
而且开放的结账通道越多,你排到最快队伍的概率就越低。
And then the more check stands they open, the worse your chances get of being in the fastest line.
但随着时间推移,经过你所有超市购物的经历,这些情况大概会相互抵消。
But it probably all evens out over the course of time, over the course of all your trips to the supermarket.
但更有趣的是,整个系统其实是有缺陷的。
But what's actually more interesting is that the whole system is flawed.
如果超市像银行、机场和酒店那样做,你离开商店的速度会快得多。
If supermarkets did what banks and airports and hotels do, you'd get out of the store a lot faster.
那就是只排一条队,让队首的人前往下一个空闲的收银员。
And that is you have one line and have the person at the front of the line go to the next available checker.
为什么超市不这么做呢?
Why don't supermarkets do that?
嗯,空间是个大问题。
Well, room is a big problem.
那条队该排在哪里?
Where would that line go?
它该放在哪儿?
Where would it be?
但更大的原因是顾客不喜欢这样。
But a bigger factor is that customers don't like it.
我们人类喜欢觉得自己能掌控局面,能够战胜系统。
We human beings like to think we're in control and that we can beat the system.
如果我们有机会选择,我们就知道哪条队更快,尽管我们通常选不对,最后往往排在那个优惠券过期的人后面。
We know which is the faster line if you give us the opportunity to choose it, even though we usually can't and we usually end up behind that person whose coupons expired.
这一点你应该明白。
And that is something you should know.
想想你平时用了多少次声音,多么频繁地使用它,以及声音对你所做的一切有多重要。
Think about how much you use your voice and how often you use your voice and how important your voice is to almost everything you do.
然而,我猜大多数人听到自己录音时都不太喜欢自己的声音。
And yet, I would guess that most people don't like their voice very much when they hear a recording of it.
我敢肯定你认识一些声音令人烦躁的人。
And I'm sure you know people who have irritating voices.
他们的声音很难听清。
They're hard to understand.
他们说话声音太小。
They don't speak up.
他们总是啊啊啊地说个不停。
They and ah a lot.
所以问题来了:你的声音就是你的声音,你根本没办法改善它吗?
And so the question is, is your voice your voice and there's not much you can do to make it better?
还是说,你的声音其实可以通过训练变得有力、悦耳,让人听了感到愉悦?
Or is your voice something you can really work with to make it powerful and delightful and and a joy to listen to?
罗杰·洛夫是这方面的权威专家。
Well, Roger Love is the go to guy on this.
他无疑是世界上最知名的声乐教练之一,客户包括许多好莱坞明星,他还开发了一个名为《完美声音》的课程。
He is certainly one of the most well known voice coaches with many Hollywood celebrities among his clients, and he has a program called The Perfect Voice.
你可以在 theperfectvoice.com 上查看。
You can check it out at theperfectvoice.com.
现在Roger加入我们了。
And Roger joins me now.
非常感谢你邀请我。
Thank you so much for having me.
我认为,当人们第一次听到自己录音中的声音时,普遍都会不喜欢,这是一种很普遍的体验。
So I think it's a pretty universal experience that when people hear their voice back on a recording, especially the first time, they really don't like what they hear.
他们觉得自己的声音不是这样的。
They they don't think they sound that way.
他们觉得听起来太糟糕了。
They think it sounds terrible.
事实上,我有个八岁的孩子想拍一个YouTube视频,他先录了一个练习视频。
In fact, I have an eight year old who wanted to make a YouTube video, and he made a a practice video.
当他听到自己的声音时,感到非常沮丧,说不想再拍这个视频了,我觉得这确实是听到自己声音后一种相当强烈的反应。
And when he heard his voice, he was so upset by it, he said he didn't wanna make the video anymore, which I thought I mean, that's a pretty dramatic reaction to hearing your voice.
当人们听到自己声音的录音时感到震惊,并不令人意外。
It's not surprising that when people hear the sounds of their voice played back, they are shocked.
这种现象可以追溯到出生时。
And this goes back to birth.
让我带大家回到那个时刻。
So let me bring us all back to that place.
我们以为自己生来就有一种特定的声音,然后长大后,那就是我们的声音。
We think that we were born with a particular voice, and then we grow up and that's our voice.
听起来好听,或者不好听。
Sounds good or it doesn't sound good.
我会唱歌,或者我不会唱歌。
I can sing or I can't sing.
声音是鼻音重,或者不是鼻音重。
It's nasal or it's not nasal.
但事实是,我们从童年早期就开始模仿家庭环境中听到的声音。
But the truth is, is that we are simply imitating from early childhood the sounds that are in our households.
所以如果我妈妈声音鼻音重,我就会模仿它。
So if my mother has a nasal voice, I end up imitating it.
如果我爸爸声音空灵,我也会模仿。
If my father has an airy voice, I end up imitating.
我们学习声音的方式,和学习语言是一样的。
And we learn the sounds of the voice the same way we learn language.
所以我长大后说话的声音就像我的父母。
So I grow up sounding like my parents.
然后会发生什么?
And then what happens?
砰,我成年了。
Boom, I'm an adult.
我从未真正弄清楚过自己的声音是什么。
And I've never really figured out what my voice is.
它只是我父母声音的一种新版本。
It's just kind of a new incarnation of what my parents sounded like.
所以我教人们一些技巧,帮助他们弄清楚自己的声音究竟具备哪些能力。
So that's why I teach people techniques to figure out what their voice is actually capable of.
然后我们像训练乐器一样训练声音,忘掉父母的声音、你的成长环境以及你平时听到的声音。
And then we train the voice like an instrument, forgetting about how your parents sounded and how you grew up and what you ended up listening to.
我们从头开始,把它当作一件乐器——你可以从低音唱到高音,并且能掌控它。
And we start from scratch again and say, it's a musical instrument and you can go from low to high and you can have control over it.
作为成年人,你现在完全可以拥有一副惊人的嗓音。
And you could have an incredible voice now as an adult.
但这也像乐器一样,我不在乎你演奏得多好,你不可能让小提琴发出钢琴或小号的声音。
But it's also like an instrument in the sense that I don't care how good you are at playing it, you can't make a violin sound like a piano or a trumpet.
小提琴有一些固有的局限性,注定它听起来就是小提琴。
There are some inherent limitations to the violin that's going to make it sound like a violin.
我认为我的经验是,人的声音也有局限性,你能让它变得尽可能好,但它可能永远赶不上别人的声音。
And I think my experience is there are limitations to people's voices that they can make it sound as good as they can make it sound, but it may never be as good as somebody else's.
是的。
Yes.
当你天生具备某些生理条件时,总是件好事。
It's always nice when you're born with certain physiological things.
声音取决于声音所能触及的一切。
And sound is dependent upon everything that sound can touch.
比如你的鼻子大小、嘴唇大小、脸颊大小。
So the size of your nose, the size of your lips, the size of your cheeks.
但事实是,如果你得到一架钢琴,假设不幸地,你祖母去世了,留下了一架施坦威三角钢琴,现在它摆在你的客厅里,那你现在就拥有一架钢琴了。
But the truth is if you were given a piano, if, God forbid, your grandmother passed away and she left you a Steinway grand piano, and it is now sitting in your living room, now you own a piano.
但如果你坐下来弹奏,却没有任何演奏技巧,也从未学过如何弹奏,那你听起来会非常糟糕。
But if you sit down to play it and you have no technique to play it, you never learned how to play it, you're gonna sound terrible.
我所说的只是让我们让起跑线变得公平。
And all I'm saying is let's even out the playing field.
让我们学习如何像使用乐器一样使用声音,然后看看大自然赋予了你什么,再通过学习如何使用它,去弥补大自然没有给予你的部分。
Let's learn how to use the voice like an instrument and then see what mother nature gave you and then try to put in a lot of what mother nature didn't give you by learning how to use it.
那么,这里最容易入手的是什么?
So what's the low hanging fruit here?
如果我想改善我的声音,我首先该做什么才能看到效果?
If I wanna do improve my voice, what's the first thing I could do and start to get results?
人们说话声音太小了。
People don't speak loud enough.
这种情况发生的原因是,当他们听到自己的声音时,并不喜欢。
The reason that happens is because when they've heard their voice, they don't like it.
所以他们最不想考虑的就是:嘿,不如把声音放大一点,也许别人会更喜欢。
So the last thing they're thinking about is, hey, let's make it louder and maybe people will like it more.
他们觉得声音越大,别人就越能听出自己的错误。
They're thinking the louder they are, the worse everyone else hears the mistakes.
但当你说话声音太小时,会存在问题。
But there's an issue when you don't speak loud enough.
因为当你说话并张开嘴时,声波——这些看不见的声波——本应离开你的嘴巴并向外传播,然后振动听到你声音的人的身体。
Because when you speak and you open your mouth, sound waves, invisible sound waves, are supposed to leave your mouth and travel away from you, and then vibrate the bodies of anyone that hears you.
这一点已经得到科学证实。
And that's scientifically proven.
所以你需要一定的音量,才能让声波从你口中传出,并振动听者的身体。
So you need a certain amount of volume to get those sound waves out of your mouth and vibrate the bodies of the people.
这些振动会被他们的大脑处理,转化为对你的想法、情绪和感受。
And those vibrations are processed by their brains, and they turn those sounds and vibrations into thoughts and emotions and feelings about you.
因此,大多数人音量不够,无法真正与说话对象建立物理上的连接。
So most people aren't loud enough to actually physically connect with the people they're speaking to.
哦,我完全同意你的观点。
Oh, I am I am so with you on that.
我确实花时间关注过这个问题,因为人们说话太小声总是让我很困扰。
I actually have taken the time because it it always bothers me how people don't speak up.
而且我曾被指责说:也许你的听力不好,但我听过其他人的对话。
And and I've been accused of, well, maybe your hearing's bad, but I listened to other conversations.
你会发现,别人经常得问:‘什么?你说什么?’
And it's amazing how many times other people have to say, What was that?
再说一遍。
Say that again.
人们经常不得不重复自己,这真令人惊讶,因为他们说话声音不够大。
It's amazing how often people must repeat themselves, because they're not speaking loud enough.
但我问你,当很多人说‘我不喜欢自己的声音’,‘我讨厌自己的声音’时,他们到底讨厌什么?
But let me ask you, when people say and so many people say, I don't like the way my voice sounds, I hate the sound of my voice.
他们具体不喜欢自己声音的哪一点?是觉得声音和自己听到的不一样,还是别的原因?
What is it that they hate?
大多数人说话时,就像钢琴上只弹一个音符一样。
What specifically is it that do you find that people don't like about their voice, or is it that it just sounds different than the way they hear it?
他们不喜欢自己声音的一个原因是,这声音让他们自己都感到无聊透顶。
One of the things they don't like about their own voice is that it bores the heck out of them.
当他们回听自己的声音时,会觉得它听起来毫无情感、死气沉沉、枯燥乏味。
When they hear it back, they think it sounds unemotional, lifeless, and boring.
而除了音量之外,最主要的原因是语调。
And the number one reason that is, aside from volume, is melody.
大多数人说话时,就像钢琴上只弹一个音符一样。
Most people speak and they are acting as if they were just one little note on a piano.
他们一直重复敲击同一个音符,就像钢琴上只有一个键一样说话,结果发现这简直是他们听过的最无聊的旋律。
And they keep hitting that same note and they just talk on the same note as if they were only one key on the piano and they realize that's the most boring song they've ever heard.
这也是他们听过的最无聊的说话方式。
And it's also the most boring speaking they've ever heard.
所以人们不明白,你必须给声音注入一些音乐性。
So people don't understand that you have to put some music into the voice.
而实现这一点最好的方式就是通过语调,确保你交替使用白键和黑键,在音域中不断变化,就像唱歌一样。
And the greatest place to do that is through melody, making sure that you're hitting some white notes and some black notes and that you're moving around the range, just like a song.
而这正是人们最大的问题。
And that's the biggest problem people have.
一个音符,太无聊了。
One note, boring.
一个音符,完全死气沉沉。
One note, totally lifeless.
我正在与声乐教练罗杰·洛夫交谈,他已经成为明星们的御用声乐教练。
I'm speaking with vocal coach Roger Love, who has really become the vocal coach to the stars.
如果你看看他的网站,就会看到他曾经或正在指导的所有名人。
If you look at his website, you'll see all the celebrities that he coaches or has coached in the past.
他还有一个名为《完美声音》的项目,面向任何想改善嗓音的人,可以在 theperfectvoice.com 上找到。
He also has a program for anyone who wants to improve their voice called The Perfect Voice, and it is available at theperfectvoice.com.
摄政时期,你可能知道那是《布里奇顿》的故事背景,也是简·奥斯汀创作小说的年代。
Of the Regency era, You might know it as the time when Bridgerton takes place, whereas the time when Jane Austen wrote her books.
摄政时期也是社会变革、性丑闻频发,或许还是英国历史上最糟糕国王的时代。
The Regency era was also an explosive time of social change, sex scandals, and maybe the worst king in British history.
《粗俗历史》的新一季全部聚焦于摄政时期——舞会、礼服和各种丑闻。
Vulgar history's new season is all about the regency era, the balls, the gowns, and all the scandal.
在你收听播客的平台搜索并收听《粗俗历史》的摄政时期专题。
Listen to Vulgar history, regency era, wherever you get podcasts.
如果你热爱Bravo的戏剧、流行文化的混乱和坦诚的见解,那你一定想把TRH播客加入你的订阅列表。
If Bravo drama, pop culture chaos, and honest takes are your love language, you'll want all about TRH podcast in your feed.
由罗克珊和尚塔尔主持,这档节目深入剖析《真实主妇》真人秀以及每个人群聊都在争论的那些时刻。
Hosted by Roxanne and Chantel, this show breaks down Real Housewives reality TV and the moments everyone's group chat is arguing about.
罗克珊自2010年起就一直在爆料Bravo的八卦。
Roxanne's been spilling Bravo tea since 2010.
是的,我们曾经采访过像卢安伯爵夫人和特蕾莎·吉杜斯这样的《主妇》界元老。
And yes, we've interviewed Housewives Royalty like Countess Luanne and Teresa Giudice.
睿智的回顾、内幕的氛围,毫无废话。
Smart recaps, insider energy, and zero fluff.
在Apple Podcasts、Spotify或你收听播客的任何平台收听《All About TRH》。
Listen to all about TRH podcasts on Apple Podcasts, Spotify, or wherever you listen.
每周更新新集。
New episodes weekly.
所以,罗杰,给我上一堂简短的课吧,教教我如何为我的声音增添旋律和你刚才提到的那种音域。
So, Roger, give me a a little mini lesson here in how to add melody and and and that kind of range that you were talking about to my voice.
正如我所说,大多数人一整句话都只用一个音调。
Most people, as I said, stay on one note the whole time.
但你需要明白,关于旋律,其实有三件事需要注意。
But you need to realize there are really three things to think about melody.
你要么在上楼梯,旋律从低音逐渐升高,低、更高、更高、更高、更高;要么在下楼梯。
You're either walking up the stairs where the melody is going from lows to highs, low, higher, higher, higher, higher, or you're walking down the stairs.
现在我在下楼梯。
Now I'm walking down the stairs.
从高音降到低音,或者停留在同一个音符上,一直停留在同一个音符上。
Going from high down to low, or staying on the same note, staying on the same note.
大多数人尝试运用旋律时,总是在下楼梯。
Most people, when they try to use melody, they're always walking down the stairs.
我真的很喜欢我的狗。
I really like my dog.
我真的很喜欢巧克力。
I really like chocolate.
但他们并不知道自己正在下楼梯,这被称为下行音阶,从低到高。
And they don't know that they're walking down the stairs, but that's called a descending scale, going from low to high.
但每次你使用这样的音阶,从低到高时,听起来都会很悲伤。
But every time you have a scale like that and go from low to high, you sound sad.
今天是我的生日。
It's my birthday.
没人给我带任何礼物。
Nobody brought me any presents.
所以旋律可以让说话者听起来开心或悲伤。
So melody can either make the speaker sound happy or sad.
所以当旋律下降时,你会听起来很悲伤,把所有人都搞得情绪低落。
So when the melody goes down, you sound sad, you're depressing the heck out of everybody.
但相反,当你走上楼梯,旋律从低到高时,你会听起来很开心。
But on the contrary, when you're walking up the stairs, when the melody goes from low to high, you sound happy.
我爱我的狗。
I love my dog.
我爱巧克力。
I love chocolate.
我爱我的妻子。
I love my wife.
然后你会显得开心,也会让别人开心。
And then you sound happy and you make other people happy.
所以人们应该停止在旋律的楼梯上往下走。
So people need to stop walking down the stairs of Melody.
他们应该开始走上旋律的阶梯,届时他们会惊讶地发现,别人对他们的微笑多了,更喜欢他们了,也更想亲吻他们的嘴唇了。
They need to start walking up the steps of Melody, and they're gonna be surprised how much people are smiling at them, how much people like them more, how much people wanna kiss them on the mouths more.
但有时候,我听到这种说法真的觉得特别抓狂,人们明明是在陈述事实,却偏偏用问句的语调说话。
But sometimes though, and I hear this and it kinda drives me crazy, that people go up and they sound like they're asking a question when they're really making a statement.
过去十年左右,有很多文章讨论过山谷口音或升调现象。
And there are a lot of articles over the last ten years or so that talk about valley speak or uptalk.
在逗号或句号处使用升调,听起来像在提问,这有多糟糕。
How bad it is to go up when you get to the comma or a period that it might sound like a question.
但科学证明,这其实完全是无稽之谈。
But science proves that actually that is a bunch of bunk.
这就是为什么升调会获得这么差的名声。
Here's where that going up got a bad rep.
有些人,当他们把语调抬高,仿佛是在说一句话时,实际上真的在上扬。
Some people, when they scoop up as if it's a sentence, actually scoop.
我真的很喜欢我的狗。
I really like my dog.
我可以和你一起去吗?
Could I go with you?
这样可以吗?
Is it okay?
你听到我即将提高音调之前,语调在上扬。
You hear I'm scooping up right before I go high.
但如果你清晰地说话,我现在正在说话,然后音调上扬。
But if you cleanly, here I am speaking and then I go up.
我现在正在说话,然后音调上扬。
Here I am speaking and then I go up.
与其抬升语调,不如在句子结束前,或在逗号或句号前,让语调自然上扬,这样听起来就不会像在提问。
Instead of go scooping up, if you just end the sentences or right before you get to a comma or a period, it just goes up, It doesn't sound like a question.
即使听起来像一个问题,科学也表明,当你在逗号或句号处语调上升时,听众会认为这可能是一个问题。
And even if it did sound like a question, science supports that if you go up when you get to a comma or a period, the listeners think that it might be a question.
因此,你已经吸引了他们的注意力,他们会更加专注,觉得既然像是一个问题,也许他们会被要求回答些什么。
So you've engaged their mind and they're more attentive thinking that if it's a question, maybe they're gonna be asked to say something.
所以,如果你想保持别人的注意力,最好的方法就是在逗号和句号处提高语调,不必担心听起来是否像一个问题。
So if you're trying to keep someone's attention, the best thing you can do is go up when you get to a comma and a period, and don't worry about whether it sounds like a question.
这实际上能让人更加专注。
That actually is keeping people more attentive.
我们之前聊过人们说话声音不够大的问题。
We were talking earlier about people not speaking loudly enough.
我认为这很大程度上与他们声音的力度有关。
And I think a lot of that has to do with the power in their voice.
很多人似乎声音缺乏力度,而像你和我这样的人,常被说成声音有力量。
A lot of people don't seem to have much power in their voice and people like you and I've been told that we have power in our voice.
所以我觉得我们应该聊聊这个话题。
So I think we should talk about that.
这种特质是从哪里来的?
Where does that come from?
首先,我真心喜欢你的声音。
First of all, I honestly love the sound of your voice.
它有一种低沉的质感。
It has a bassy quality.
它有一些低音部分。
It has some lows in it.
当你想的时候,音调会上升。
And when you feel like it, you go higher.
整体音色非常圆润悦耳。
It just has a really nice round tonal quality.
所以给你点赞。
So kudos to you.
我相信,我可以告诉你每个人具体怎么做,但我认为你拥有这么棒的声音,原因之一是你经常录音并回听。
I believe, I'll tell you exactly how anybody can do it, but I believe one of the reasons that you ended up with such a great voice is you record yourself a lot and you listen back.
就像任何在录音棚里录自己的歌手一样,当他们回听时,会说:‘我不喜欢这一段,但这一段听起来好一点。’
And just like any singer who records themselves in the studio, when they listen back, they say, Oh, I don't like that part, but this part sounds a little better.
然后他们通过反复聆听并做出调整,不断剔除自己不喜欢的部分,再听、再调整。
And then they keep weeding out the parts they don't like by listening and then making changes, and listening and then making changes.
但接下来我要说的是,你和我都是通过他人指导或偶然发现,来获得更强的声音的。
But here's how you and I have learned either by being instructed or just by happening upon it to get a stronger voice.
我们把声音和呼吸连接在了一起。
We've connected the voice with breath.
让我解释一下我的意思。
And let me explain what I mean.
大多数人说话时,其实都是屏住呼吸的。
Most people, when they speak, they are actually holding their breath.
但我们有一种叫做腹式呼吸的呼吸系统,这是我们与生俱来的。
But we have a system called diaphragmatic breathing, a breathing system that we were all born with.
你不需要去学习它。
You don't have to learn it.
我们大多数人只是需要重新学习它,因为婴儿时期我们都是这样做的。
Most of us just have to relearn it, because as babies, we were all doing that.
膈式呼吸是通过鼻子吸气,而不是用嘴,想象你的腹部有一个气球。
And diaphragmatic breathing is breathing in through your nose instead of your mouth, pretending you have a balloon in your stomach area.
吸气时,让腹部向前鼓起,这样就能让肺部充满空气。
And then when you inhale, you let your stomach come forward and that fills the lungs with air.
然后就能听到拥有好声音的答案。
And then hears the answer to have a great voice.
说话时,让腹部慢慢收回。
When you speak, you let your stomach come back in.
让腹部缓慢收回,能将恰到好处的空气从体内排出。
Letting your stomach slowly come back in pushes just the right amount of air back out of your body.
这样就为声音创造了音量、厚度和共鸣,让声音能在这股优美而稳定的气流上流畅传出,而如果你的腹部不这样运动,就无法产生这种气流。
So that creates a volume and a thickness and a resonance for the sound to ride out on this beautiful solid stream of air that you cannot create if your stomach isn't doing that.
所以大多数人,他们的腹部都是静止不动的。
So most people, their stomachs are stationary.
所以他们说话时就像屏住呼吸一样。
So they're talking like this as if they were holding their breath.
因此他们永远无法产生厚度、音量或旋律。
So they'll never create thickness or volume or melody.
但只要我采用膈肌呼吸,说话时腹部向内收,就会排出更多空气,从而产生更厚实、更优美、更有力、更富有共鸣的声音,你会喜欢,所有听你说话的人也会更爱听。
But as soon as I do diaphragmatic breathing and my stomach comes in when I'm speaking, it pushes so much more air out, which makes a thicker, more beautiful, more powerful, more resonant sound that you'll like and everyone who listens to you will love a lot more.
我们来谈谈‘嗯’和‘啊’吧。
Let's talk about ums and ahs.
我有时候会说‘嗯’和‘啊’。
I and ah sometimes.
我希望自己不要这样,我试过改进,比以前好多了,但人们为什么总会说‘嗯’和‘啊’呢?
I wish I didn't and I've tried to work on it and I'm better than I used to be, but why do people and ah?
你对这个问题怎么看?
And what's your take on it?
这是无害的吗?
Is it benign?
这没什么大不了的吗?
Is it no big deal or what?
世界上最有智慧的人,如果使用‘或者’、‘像’这类非词汇语助词,一旦这么说,就会立刻丧失他们在之前整个句子中建立的可信度。
The smartest people in the world who use or or like non words, when they do that, they are instantly losing the credibility that they created in the whole parts of the sentence before they got to that point.
这就是我们这么做的原因。
Here's why we do it.
这又回到了我们一开始谈到的内容。
It comes back to what we spoke about in the beginning.
大多数人不喜欢自己声音的音色。
Most people don't like the sound of their own voices.
大多数人声音都很单调。
Most people have boring voices.
所以当他们与人交流时,害怕失去对方的注意力,或者让对方分心。
So when they're communicating with people, they are afraid of losing the attention span of the person they're speaking to, or the people they're speaking to.
因此他们使用这些填充词,以确保始终有声音传出,防止对方走神、去做更有趣的事,或者直接插话。
So they use these placeholders so that there's always sound coming out so that the other person doesn't wander away and do something more interesting or just start speaking themselves.
所以,如果我跟你说话,当我陷入沉默时,对方可能会失去兴趣,或者插话开始说起来。
So if I'm speaking to you and I get to a place where I'm silent, the other person could either lose interest or jump in and start to speak.
因此,我的大脑会想:我现在正在说话,与其沉默,不如填补一下。
So my brain says, here I'm speaking and instead of being silent, I'll fill it.
然后,等我想好接下来要说什么时,再继续说下去。
And then I'll jump in once I figured out what I'm gonna say next.
但大多数人认为,这是因为你在思考接下来要说什么。
But most people believe it's because you're thinking about what you're going to say next.
事实上,我相信这是因为你担心会失去对方的注意力。
The truth is, I believe it's because you're worried about losing the other person's attention.
但你需要知道,每个人都需要知道的是,那些沉默的间隙——当你说到逗号或句号时,应该用我刚刚教你的腹式呼吸来停顿——这些空白时刻,其实是送给倾听者的一份礼物。
But what you need to know, and what everyone needs to know, is that those silent spaces, when you get to a comma or a period, and you're supposed to be breathing with the diaphragmatic breathing that I just taught you, those blank spaces are your gift to the person or people listening to you.
我称之为停顿的力量。
I call it the power of the pause.
当你说话并到达逗号时,若你保持沉默,这会给倾听者一个机会,让他们去消化你到目前为止所说的话。
When you speak and you get to a comma, and then you're silent, it gives the person who's listening to you the opportunity to process the words you said in the sentence up until that time.
这就是你送给他们的礼物,让他们能一直跟着你。
And that's your gift to them so that they stay with you.
然后你再继续说,遇到逗号时停顿,呼吸一下,他们就会思考你刚说的话。
And then you jump back in, you get to another comma, silence, you breathe, they think about what you just said.
这才是真正与人建立连接的方式。
That's how to really connect with people.
但当你填满这些停顿时,他们就不知道该想什么,反而迷失了方向。
But when you fill it, they don't know what to think about and they lose their direction.
例如,如果我说:我真的很喜欢红色。
For example, if I say, I really like the color red.
我喜欢绿色。
I like green.
我也喜欢黄色。
And I like yellow.
你就会困惑:绿色、红色和黄色到底想表达什么?
You're wondering what the hell green and red and yellow is.
但如果我说,我非常喜欢绿色,我也非常喜欢黄色。
But if I say, I really like green, I also really like yellow.
每次我停顿的时候,你都会思考绿色或黄色。
Every time I took that pause, you thought about green or yellow.
所以我们真正建立了连接。
So we really connected.
而当我停顿的时候,我比只是用很多‘嗯’和‘啊’填满对话、让你觉得我没你想象中那么聪明,更能深入你的思维。
And then I got into your brain more than me just filling it with a lot of ums and uhs and you thinking that I'm not as intelligent as you'd hoped I was.
这不仅是一个有趣且普遍的话题。
Well, it's not only an interesting and universal topic.
我的意思是,人们拥有声音,并且对自己的声音有意识。
I mean, has a voice and they're conscious of it.
但这是一个重要的话题,因为人们会根据你的声音来评判你,尤其是当他们看不到你的时候。
But it's an important topic because people people judge you by the sound of your voice, especially if they can't see you.
但即使他们能看到你,我认为你的声音要么传递出正确的形象,要么传递出错误的形象?
But but even when they can, I I think your voice either projects the right image or the wrong image?
这真是很棒的信息。
So this is this is great information.
罗杰·洛夫是我们的嘉宾。
Roger Love has been my guest.
如果你感兴趣,罗杰有一个课程可以帮助你改善嗓音。
If you're interested, Roger has a program to help you improve your voice.
这个课程叫《完美嗓音》,你可以在theperfectvoice.com找到它。
It's called the perfect voice, and you will find it at theperfectvoice.com.
谢谢,罗杰。
Thanks, Roger.
不客气。
My pleasure.
随时欢迎联系我。
Reach out anytime you want.
当他们年轻时,一支被称为石狼的精英突击队五名成员曾反抗克雷特罗坎帝国的压迫统治,该帝国占领并主宰了银河系大多数宜居星球。
When they were young, the five members of an elite commando group nicknamed the stone wolves raged against the oppressive rule of the Crateroccan Empire, which occupies and dominates most of the galaxy's inhabited planets.
这些狼为了自由而战,但最终失败了,留下无数尸体。
The wolves fought for freedom, but they failed, leaving countless corpses in their wake.
战败且心灰意冷,他们放下了武器,各奔东西,都希望在充满暴力与压迫的宇宙中寻得一丝宁静。
Defeated and disillusioned, they hung up their guns and went their separate ways, all hoping to find some small bit of peace amidst a universe thick with violence and oppression.
在他们巅峰四十年后,每个人都努力求生,勉强维持生计。但一位旧友不肯让他们放下过去,他们的死敌也同样不肯。
Four decades after their heyday, they each try to stay alive and eke out a living, But a friend from the past won't let them move on, and neither will their bitterest enemy.
《石狼》是作家斯科特·西格勒创作的银河足球联盟科幻系列的第十一季。
The stone wolves is season eleven of the Galactic Football League science fiction series by author Scott Sigler.
你可以将它当作独立故事欣赏,也可以从第一季《新人》开始,完整收听整个银河足球联盟系列。
Enjoy it as a stand alone story or listen to the entire GFL series beginning with season one, the rookie.
在你收听播客的平台搜索斯科特·西格勒,拼写为 S I G L E R。
Search for Scott Sigler, s I g l e r, wherever you get your podcasts.
你好,我是《最长最短的时间》的希拉里·弗兰克,这是一档获奖播客,主题是育儿与生殖健康。
Hey, it's Hillary Frank from The Longest Shortest Time, an award winning podcast about parenthood and reproductive health.
我们会讨论性教育、避孕、怀孕、身体自主权,当然还有各个年龄段的孩子。
We talk about things like sex ed, birth control, pregnancy, bodily autonomy, and, of course, kids of all ages.
但你不必是父母也能收听。
But you don't have to be a parent to listen.
如果你喜欢关于人际关系以及——你知道的——月经的出人意料、幽默又感人的真实故事,那么《最短最长的时间》就是为你准备的。
If you like surprising, funny, poignant stories about human relationships and, you know, periods, the longest shortest time is for you.
你可以在任何播客应用中找到我们,或访问 longestshortesttime.com。
Find us in any podcast app or at longestshortesttime.com.
在你人生的某个阶段,你很可能也思考过我们所有人都会问的同样问题。
At some point in your financial life, you've most likely pondered the same questions we all have.
租房和买房,哪个更好?
Is it better to rent or own a home?
买车和租车,哪个更划算?
Is it better to buy or lease a car?
是存钱好,还是还债好?
Is it better to save money or pay off debt?
而根据你问的人不同,你会得到不同的看法。
And depending on who you ask, you'll get different opinions.
杰克·奥特已经计算了相关数据,并对一些常见的财务问题给出了相当可靠的答案。
Well, Jack Otter has crunched the numbers, and he's come up with some pretty solid answers to some pretty common financial questions.
杰克·奥特是《巴伦周刊》网站的编辑。
Jack Otter is an editor at barons.com.
他此前曾担任CBS金钱观察的执行主编、Rodale的《最佳生活》杂志的副主编,以及《聪明理财》杂志的专栏编辑。
He was previously executive editor at CBS Money Watch, deputy editor at Rodale's Best Life, and former articles editor at Smart Money.
杰克还著有一本书,名为《值不值?:应对人生棘手财务问题的简单而明智的解答》。
Jack is also the author of a book called Worth It, Not Worth It, Simple and Profitable Answers to Life's Tough Financial Questions.
嗨,杰克。
Hi, Jack.
欢迎来到我们的节目。
Welcome to the program.
那我们先从信用卡说起吧。
And so let's start with credit cards.
这应该是首要考虑的问题吗?
Should that be priority number one?
我的意思是,这种建议很常见:还清你的信用卡。
I mean, that's pretty common advice, pay off your credit cards.
明白吗?
Make sense?
对于任何有余额的人来说,这都是非常靠谱的建议,因为没有任何投资能比还清信用卡利息带来更高的回报——你可能正在为信用卡利息支付12%、15%甚至17%的费用。
That is very solid advice for anybody who carries a balance because but there's no investment that's gonna get you back the 12%, 15%, 17% you might be paying on interest charges for a credit card.
所以第一条规则:彻底摆脱信用卡,把它还清。
So rule number one, abolish that credit, get rid of it, pay it off.
但一旦你做到了这一点,我认为信用卡仍然是个非常好的工具,只要你每个月全额还清。
Once you've done that, though, I I think credit cards are a very good tool as long as you pay them off in full each month.
比如,如果你用借记卡加油,假设只加了30美元的油,加油站却可能冻结80甚至100美元,因为那是平均加油量。
So for instance, if you take a debit card and use that to buy gas, if you just get, say, $30 worth at the gas station, the gas station might actually put a hold on $80, a $100, which would be the average fill up.
酒店也会做同样的事。
A hotel will also do the same thing.
不只是房费,他们还会额外多收一点,因为普通客人通常会使用迷你吧、健身房,或者点客房服务。
So not only your room charge, but they might add a little extra because the average guest, say, uses the minibar or the gym or orders room service.
而且再次强调,在你真正退房、结账之前,这些钱都会被冻结。
And once again, until you actually go down, check out, pay your bill, you've got all that money on hold.
问题是,即使你账户里有钱,也可能出现透支,因为这些钱实际上被冻结了。
And the problem is that you can actually overdraw your account even though you have the money because that money is effectively frozen.
所以在这些情况下,使用信用卡要好得多,等账单来了再支付即可。
So you're much better off in those cases using a credit card, and then you get the bill later and pay it off.
很好。
Great.
租房 versus 购房。
Rent versus buying.
我认为,拥有自己的房子是美国梦的一部分。
I think, you know, it's part of the American dream to own a home.
但最近我听说,如果你经常搬家,或者生活还没稳定下来,也许租房更好。
But lately, I've heard, you know, if if you're somebody that moves around a lot or, you know, isn't really settled in your life yet, that maybe it's better to rent.
那你怎么看?
So so what do you say?
所以我支持购房,这不仅与财务有关,更与人类行为息息相关。
So I come down on the side of buying, and it has as much to do with human behavior as it does with finance.
一位经济学家把买房称为‘你可以住进去的存钱罐’,因为我们每月都在还房贷,这实际上是一种强制储蓄。
And one economist called buying a house, essentially getting a piggy bank that you can live in because we all pay off the mortgage every month, and it's enforced savings.
所以三十年后,你投入了这么多钱,最终拥有了一个相当稳固的资产。
So after thirty years, you put all this money in and you owned a pretty solid asset.
如果你在这三十年里选择租房,并把省下的每一分钱——因为租房更便宜——都明智地投资,你很可能最终比买房积累更多的财富。
If you were to rent for those thirty years and take every penny that you save, because renting is cheaper, every penny you save and invest it wisely, you probably would end up with more money than you would owning a house.
但问题是,我们并不会那样做。
The problem is we don't do that way.
当我们有多余的钱时,往往会出去吃顿更好的晚餐、买辆新车,或者买双时髦的运动鞋。
We actually go out to a nicer dinner or buy a new car or get a fancy pair of sneakers when we have extra money lying around.
所以三十年后,你依然在租房。
And so at the end of thirty years, you'd still be renting.
你不会比买房的人多出一分钱。
You'd have no extra money than you would if you bought the house.
所以我说,再见。
So I say, bye.
不过有一个重要的例外,我认为即使在房价崩盘后,人们依然觉得只有买了第一套房子才算真正长大。
One big caveat, however, I think there's a sense even after this housing crash that you're not really a grown up until you buy your first house.
你知道,美国梦依然充满活力。
You know, the American dream is still alive and well.
但我觉得这并不适合每个人,尤其是年轻人,他们可能更受益于租房带来的灵活性。
And I don't think that's right for everyone, especially a young person who might benefit from the flexibility of renting.
你知道,当前劳动力市场的一个问题是,劳动力的流动性不如应有的那样高。
You know, one of the problems in the job market right now is that the workforce is not as mobile as it should be.
如果你收到一份远在半个地球之外的工作邀请,而你租房子,那就没问题。
You could get a job offer halfway around the country, and if you rent, no problem.
但如果你买了房,而房子的价值低于贷款余额,那你就会面临一个艰难的抉择。
If you own and your house is underwater, you've got a tough decision there.
你知道吧?
You know?
你是要付钱给银行来解除抵押贷款,还是干脆等着,希望能在当地找到工作?
Do you pay off the bank for letting you out of that mortgage, or do you just sit tight and hope for a job in your location?
所以有很多理由让我建议人们不要急于买房,除非你真的安定下来了。
So there's a lot of reasons why I suggest people don't rush into buying unless you're really settled down.
一旦你安定下来了,嘿。
And once you are, hey.
那时你是在用别人的钱,以不到4%的利率购买一个被低估的资产。
You're buying a depressed asset at less than 4% with other people's money.
这是一笔好交易。
It's a good deal.
你应该买车还是租车?
Should you buy or lease a car?
除了那些把车用于商业用途的人之外,购车可能让他们能够抵扣成本,或者至少把车记在资产一侧而不是负债一侧,避免影响企业财务;对大多数人来说,买车要好得多。
So except for people who are using their car for business purposes, it might allow them to either deduct the cost or you might actually keep it on one side of the balance sheet rather than putting it under the debt column, which might detract from your business, most people are much better off buying.
因为除此之外,这种方式也简单得多。
Because among other things, it's a lot more straightforward.
当你买车时,你知道确切的标价是多少。
When you buy a car, you know exactly what the sticker price is.
加上你如果贷款购车可能产生的利息,这就是每月的固定开销,就这么简单。
Add in any interest charges you might be paying if you're borrowing money, that's the monthly cost, period.
你知道自己能得到什么,最后你拥有这辆车。
You know what you're getting, at the end of it, you own the car.
而租赁的话,很难准确区分你付的钱里有多少是利息,有多少是租金,本质上你只是在租车。
With leasing, it's a lot tougher to tell exactly how much you're paying, what is interest, and what is renting, basically, when you're renting a car.
最后,这完全取决于你开了多少英里。
And then finally, it all depends on how many miles you drive.
因此,大多数租赁合同都假设你每年驾驶1万到1万5千英里。
So leases, for the most part, assume you're driving 10 to 15,000 miles a year.
如果你开的里程远超这个数字,可能会因超里程而面临非常高的罚款。
If you drive far more than that, you might get hit with a very steep penalty for those extra miles.
如果你开的里程远少于这个数字,实际上你等于白送了经销商一份礼物。
If you drive a lot less, you're actually giving the dealership a gift.
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你归还的这辆车里程数较低,折旧也比你支付的少,而他们却能以更高的价格卖出去。
You're returning that car with low miles and less depreciation than you've been paying for, and they were able to sell it for more money.
所以,买车通常是更划算的选择。
So buying is usually the better deal.
一旦你决定购买,你是买新车还是二手车?
And then once you decide to buy, do you buy new or do you buy used?
因为你知道,我们都听说过,买新车虽然能带来驾驶的兴奋感,但其实并不划算,因为车一开下展厅,价值就会立刻下跌30%。
Because, you know, I think we've all heard that buying a new car for all the thrill that it gives you isn't a great deal because, you know, the car loses 30% of its value the minute you drive it off the lot.
很明显,买二手车是更划算的选择。
It's pretty clear that buying a used car is a better deal.
原因是,头两年的折旧会大幅削减汽车的价值。
And the reason is that those first year two of depreciation really takes a lot of the value of the car.
那为什么不让别人先承担这笔折旧呢?
So why not let someone else pay for that depreciation?
如果你喜欢新车的味道,可以选择低里程、较新款的认证二手车,可能还保留一点新车的味道,但你花的钱却更少。
If you like that new car smell, you can get a pre owned certified car with low miles that's a pretty recent vintage, and you might even have a little bit of new car smell, but you're paying less for it.
此外,它还在保修期内,所以你能享受到这些保障,但你的支出要少得多。
Plus, it's still under warranty, so you get those guarantees, but you're not is a lot smaller.
但那种新车的味道和新车的感觉确实非常令人着迷。
But there is something about that new car smell and that new car feel that that's, very intoxicating.
听我说。
Look.
我曾经拥有过新车。
I have owned new cars.
拥有一辆新车确实很棒。
It is very nice to have a new car.
我只是觉得人们需要明白自己在为什么买单。
I just think people need to realize what you're paying for.
你知道,看看这笔账,想一想,好吧。
You know, look at the math and think, okay.
这会让我多花几千美元。
This is gonna cost me an extra couple thousand bucks.
这种气味值得吗?
Is that smell worth it?
这样一来,至少你是做出了一种有意识的决定,而不是不知不觉地陷入陷阱。
And and that way, at least, you're making a conscious decision rather than just sort of falling into the trap.
我的车已经很旧了。
Oh, my car is old.
我需要换一辆新车,所以我会去经销商那里买一辆。
I'm gonna need a new one, so I'll go to the dealership and buy one.
然后你就会意识到,你知道吗?
And then you recognize, you know what?
你必须权衡新车的成本和你用这笔钱可以做的其他事情。
You have to weigh off the cost of that new car versus the other things you could use that money for.
比如说,这2000美元本可以用来带家人去度假,这可能是更明智的花钱方式。
You know, maybe it's $2,000 you could use to take the family on a vacation, which might be a better use of your money.
我认为我们所有人犯的一个重大财务错误是,把事情割裂开来看待。
I I think one of the big financial mistakes we all make is we put things in silos.
所以你需要一辆车。
So you need a car.
对吧?
Right?
你只是默认会花一笔钱在车上,却很少去权衡一下,哇,
And you just assume that a certain amount of money is gonna go to that, And you rarely weigh the options of, oh, wow.
我可以买一辆便宜点的车,把省下的钱存起来供孩子上大学,或者去度假,或者重新粉刷房子。
I could get a less expensive car and put that money into college savings or going on vacation or repainting the house.
关于汽车的最后一点是,当你租车时,该不该花钱买额外的租车保险?
And the last thing about cars is when you rent one, should you get the pay for the extra rental insurance?
这是一个很常见的问题。
So this is a frequent question.
对吧?
Right?
你正在租车并填写文件时,他们问你是否要购买责任保险。
You're renting a car and filling out the paperwork, and they ask you whether you want the liability insurance.
他们给你一种吓人的表情,让你觉得如果拒绝购买保险,你就是在冒很大的风险。
And they give you this look that is scary, and you think if if I say no insurance, I'm taking a big risk here.
但事实上,绝大多数人并不需要这份保险。
But the fact is the vast majority of people don't need that insurance.
这是多余的。
It is redundant.
如果你有自己的车,那么你驾驶租赁车辆时已经享有保险了。
If you own your own car, then you're insured for driving that rental car.
此外,许多信用卡实际上提供额外的保险保障。
Plus, many credit cards actually give backup insurance.
例如,你的免赔额,信用卡公司可能会实际为你支付。
So for instance, your deductible, the credit card company might actually pay that.
当然值得联系你的信用卡公司,确认他们对租车保险的具体政策。
It's certainly worth checking with your credit card company to see exactly what their policy is with rental cards.
如果你持有几张不同的信用卡,那么每次租车时都可以选择提供最佳租车保险的那张卡。
And if you carry a couple different cars, excuse me, couple different cards, then you can use whatever one has the best rental insurance whenever you rent a car.
但事实上,只要你有自己的汽车保险,租汽车时就不需要额外付费。
But, really, as long as you have your own automobile policy, you do not need to pay up, when you rent a car.
现在我们来谈谈投资。
So let's talk about investments now.
具体来说,你是应该购买共同基金,把投资交给别人来做,还是值得花时间去购买个股呢?
And specifically, you know, should you buy mutual funds, which pretty much leaves it to someone else to invest the money, or is it worth it to take the time and buy individual stocks?
学者们实际上已经研究过,并表明购买个股并不能为你带来相应的风险回报。
Academics have actually looked at it and shown that you are not paid for the risk when you buy an individual stock.
换句话说,一家公司里可能出问题的地方太多了。
In other words, so many things can go wrong in a company.
你确信它被低估了,产品很棒,会有更多人购买,结果却发现首席财务官和公司里的人有婚外情,股价暴跌。
You know, you're sure that it's undervalued and they make a great product and more people are gonna buy that product, and then it turns out that the CFO was having an affair with someone in the stock tanks.
有太多事情可能出错。
There are just so many things that can go wrong.
相反,我更喜欢购买追踪整个市场的指数型共同基金,这样你就不用担心特定公司的风险。
On the contrary, when you buy, what I like is an index mutual fund that owns the entire market, you don't have to worry about that specific company risk.
你拥有整个市场,而且支付的费用极低,这一点至关重要,因为主动管理型基金——即那些试图战胜市场的选股者——会花掉你很多钱。
You own the market, and you're also paying rock bottom fees, which is key because actively managed funds, that is a stock picker who tries to outsmart the market, costs you a lot of money.
因此,选股者实际上必须每年跑赢市场超过1.3%,才能勉强打平。
So the stock picker actually has to beat the market by, on average, more than 1.3% a year to actually break even.
事实上,大多数人根本做不到这一点。
The fact is most people cannot do that.
所以,即使对于专业人士来说,选股也是一场输家的游戏。
So picking stocks is really a loser's game even for the professionals.
所以,你认为自己在有全职工作、有家庭和孩子的情况下,还能跟上股市步伐,并在他们的游戏中击败专业人士,这想法简直不切实际。
So the idea that you, with a full time job and a family and kids, can keep up with the stock market and actually beat the pros at their own game.
这成功的可能性微乎其微。
It's a real long shot.
你更好的选择是购买低成本的共同基金,然后把原本用于研究股票的时间用在其他事情上。
You're much better off owning cheap mutual funds and then spending the time you would have spent researching stocks doing something else.
你认为人们能自己做到这一点吗?
And do you think people can do that themselves?
或者,如果你真的打算长期投入大量资金,那么你最好还是请专业人士帮你打理?
Or if you're really looking at at investing a lot or having a lot of money over time invested in something that you're better off having a professional do it for you?
当你投资时,唯一能控制的就是你支付的费用。
Well, the only thing you can control when you're investing are the fees you're paying.
你无法控制市场。
You can't control the market.
每个人都有自己的理论,预测市场或利率会如何变化,但事实上,没人知道答案。
Everybody has theories as to what the market's gonna do, what interest rates are gonna do, but the fact is no one knows.
这正是市场运作的方式。
That's what makes the market.
所以,首先你要以低成本获得整个市场的投资机会。
So first of all, you want access to the entire market at low cost.
然而,你可能需要专业人士帮助你规划整体财务。
You might, however, need help with your overall finances.
这不仅关乎具体的投资选择,还涉及你需要多少保险。
So it's not just what specific investments, but how much insurance do you need?
你应该如何分配你的退休资金和教育基金呢?
How should you allocate, say, your retirement funds versus your college funds?
为此,我建议聘请专业人士,而且我认为你应该选择只收取费用的模式。
And for those purposes, I do recommend hiring a professional, and I think you should do it on a fee only basis.
这意味着你需要给这个人开一张支票,这确实让人肉疼。
Now that means you're gonna write a check to this person, and that's painful.
但你不会遇到那种隐性成本,比如当你从股票经纪人那里购买共同基金时,你需要支付所谓的销售费用。
But you don't get the hidden cost that you would when, say, you buy a mutual fund from a stockbroker and you pay what's called a load.
这是一种销售佣金,实际上会从你的投资中扣除,除非你仔细核对账单,否则你根本不会注意到。
It's a sales charge is actually deducted from your investment, and you won't know it unless you inspect your statement very carefully.
所以,请聘请一位顾问,但一定要选择只收取费用的顾问,并确保他们是受托人。
So hire an adviser, but use a fee only adviser and make sure that they are fiduciaries.
这是一个专业术语,意思是他们有法律义务将你的利益置于自身利益之上。
That's a fancy word which means that they are legally obligated to put your interests before their own.
而股票经纪人实际上并没有这个义务。
And a stockbroker is actually not obligated to do that.
我不是说他们都是骗子,但缺乏这种法律义务,他们提供的保护远不如你聘请一位以费用为基础、负有受托责任的财务顾问时所获得的保护。
I'm not saying they're all crooks, but lacking that legal obligation, they don't have quite the protection that you get when you when you hire a financial adviser who is a fiduciary and who is paid on a fee only basis.
他们不拿佣金,这意味着他们没有动机去向你推销可能不符合你最佳利益的产品。
They get no commissions, and that means they have no commission, no incentive to sell you something that might not be in your best interest.
那人寿保险呢?
What about life insurance?
你应该买单纯的定期保险,还是买能积累现金价值的终身保险?
Should should you have just plain old term insurance or is whole life insurance where you build up cash value?
这是否有时会是更好的选择,或者怎么说?
Is is that ever a a better choice or what?
这是一个本应很简单、却常被销售人员搞得复杂的问题。
This is an an easy call that is complicated so often by, frankly, salespeople.
绝大多数人,超过99%、99.5%的人,选择定期保险会更好。
The vast majority of people, more than the 99%, 99.5% of people are better off with term insurance.
原因是,你最初为什么要买保险呢?
And and the reason is, why do you need insurance in the first place?
你需要它来在你发生意外时为你的家属替代你的收入。
You need it to replace your salary for your dependents in case something happens to you.
如果你是有一个或多个孩子的父亲或母亲,而孩子未来二十年需要依靠你的收入来生活,那么你需要定期寿险。
So if you are a father or a mother with children and they are gonna depend on your salary for the next twenty years to pay for their lives, then you need term insurance.
一旦他们大学毕业并有了自己的收入,就不需要你的钱了。
Once they graduate from college and will have their own salaries, they don't need your money.
如果你不幸离世,但留下了大量积蓄传给家人,那当然很好,仅此而已。
So it would be awful if something happened to you, but you would have lots of savings that would be passed on to them, and that's that.
终身寿险的月缴或年缴费用要高得多,但这种保险是 guaranteed(有保障的)。
With whole life insurance, you pay much, much higher monthly or annual fee, and that insurance is guaranteed.
我们最终都会去世,所以终身寿险最终一定会赔付。
So we're all gonna die, and so whole life insurance ultimately will pay off.
问题是它太昂贵了,大多数人根本负担不起足额的保障来应对早逝的风险,有些人甚至在收入变化后都无法持续缴费,最终导致保单失效。
The problem is it is so expensive that most people can't afford to get enough to cover their dependents in the event that they die young, and some people can't even afford to keep up with that payment if their cash flow changes, and they end up forfeiting the policy.
所以购买定期寿险,并
So buy term insurance, and
你可能需要购买很多
you might need to buy a lot
的保险。
of it.
例如,如果你明天去世,你的继承人能获得一百万美元,但这最多也只能为他们每年产生约四万美元的收入。
Million dollar policy, for instance, if you should die tomorrow and and your heirs would get a million dollars, that would actually only generate at best about $40,000 a year of income for your heirs.
所以当你这样想的时候,
So when you think of it
你就需要很多
that way, you need a lot
保险,但不需要终身持有。
of insurance, but you don't need it for a lifetime.
你只需要在依赖你收入的家人需要支持的这段时间内拥有保险。
You just need it for as long as your dependents would have been relying on your income.
因此,根据你作为财经记者的经验,以及撰写这本书和研究这些问题,有没有什么让你感到特别惊讶或印象深刻的地方?
So from your experience as a financial journalist and writing the book and looking at these questions, is there something that really surprised you or stood out or like,
最让我震惊的一件事是我本来就知道的,但直到我坐下来用计算器算清楚后,才意识到这个问题有多严重,那就是人们为共同基金支付的费用。
One of the things that struck me the most was something that I already knew, but I had no idea how big an issue it was until I actually sat down with a calculator and figured it out, and that is the fees that people pay for mutual funds.
而这一点之所以如此重要,是因为我们实际上看不到这些费用。
And one of the reasons that this is so important is that we don't actually see it.
大多数人对此毫无察觉。
Most people are are unaware of it.
但以你的401(k)为例,你会看到那些共同基金,大多数人可能只会关注它们过去的业绩或基金持有的资产,并据此做出决定。
But in your four zero one k, for instance, you know, you you you look at the mutual funds, and most people probably look at their past performance or what the fund holds, and they make the decision based on that.
你真正应该依据的是费用,因为我举了一个非常简单的数学例子,这个例子可能不完全适用于你的情况。
What you really should make a decision is is based on fees because I I took a very simple mathematical example that that may not apply exactly to your own case.
但只要你理解了这些数字,就可以将其应用到自己的情况中。
But if you understand the numbers, then you you can apply it to yourself.
所以,一对30岁的夫妻,我假设他们结婚时各自为退休账户投入了5万美元。
So a 30 year old couple, I figured they got married, and they each brought $50,000 to their retirement fund.
然后他们直到65岁之前都没有再进行任何投资。
And they didn't invest anymore until age 65.
所以他们一共有10万美元。
So they had a $100,000 total.
之后他们再也没有加过一分钱。
They didn't put a penny more in.
他们全部投资于股票。
They invested entirely in stocks.
到了65岁,如果他们投资的是平均费用率为1.3%的普通共同基金,并且获得了8%的回报——虽然这个数字可能偏乐观,但为了计算方便,我们就用这个数字——他们退休时将拥有近一百万美元,听起来很不错。
At age 65, if they had owned the average mutual fund, which charges an expense ratio of 1.3%, and they got an 8% return, again, that might be optimistic, but for the sake of math, we'll stick with that, they would have almost a million dollars of retirement, which sounds pretty good.
然而,如果他们购买了超低成本的指数基金,并获得同样的8%回报,退休时将拥有150万美元。
However, if they bought ultra low cost index funds and got the same 8% return, they would have a million and a half dollars at retirement.
因此,在1.3%的费用率和0.07%——接近最低水平——之间的差异,到65岁时将导致50万美元的差距。
So the difference between a 1.3% expense ratio and point 07%, which is close to the bottom of the barrel, is half $1,000,000 after at age 65.
我对这个数字之大感到非常震惊,甚至又用另一台计算器重新算了一遍,以确保自己没算错。
I was so surprised by the size of that number that I actually went and did the math all over again on a different calculator just to make sure I've gotten it right.
所以,如果你的听众能记住一件事,那就是检查他们退休账户或其他任何投资账户中所有基金的费用率,并选择费用最低的那些。
So if your listeners can remember one thing, it's it's to check expense ratios on all their funds in their retirement account or wherever else they might own them and go for the rock bottom expense ratios.
他们将在一生中节省大量资金。
They will save enormous amounts of money over their lifetime.
如果涉及的钱财如此之多,花几分钟检查一下,看看能否为自己省下一些钱,显然是非常值得的。
Well, if that's the kind of money at stake, it certainly makes a lot of sense to take the few minutes it's gonna take to review that and see if you can save yourself some money.
杰克·奥特是《巴伦周刊》网站的编辑,也是《值不值?》一书的作者。
Jack Otter is editor at barons.com, and he's author of the book Worth It, Not Worth It?
对生活中棘手的财务问题给出简单而实用的答案。
Simple and Profitable Answers to Life's Tough Financial Questions.
本期节目说明中提供了他这本书的链接。
There's a link to his book in the show notes for this episode.
如果你拥有手机、平板或笔记本电脑,你可能每天都会想到几次电量问题。
If you have a cell phone or a tablet or a laptop, you probably think a couple of times during the day about the battery charge.
而且你可能听说过,为了延长电池寿命,应该偶尔把笔记本或手机的电量用到彻底耗尽。
And you've probably heard that you're supposed to let the laptop or the phone battery drain down to nothing once in a while to prolong the life.
虽然这在过去是正确的,但现在早已不再适用了。
While that used to be true, it's really not the case anymore.
旧设备使用的是镍基电池,但如今的电池都是锂离子电池,这些电池更适合偶尔进行浅度放电。
Older devices had nickel based batteries, but today's batteries are lithium ion, and these batteries are better off with the occasional shallow discharge.
也就是说,将电量用到大约50%左右,然后再插上充电。
Meaning draining it down to about 50% and then plugging it in for a recharge.
设备充满电后,仍然建议及时拔掉充电器。
It's still a good idea to unplug your device once it's fully charged up.
这确实有助于延长电池寿命。
That does help prolong the battery life.
如今电池的最佳工作区间是40%到80%。
The operating sweet spot for today's batteries are between 4080%.
因此,你应该尽量避免那种方便的整夜充电方式。
So you should try to avoid those convenient overnight charges.
它们会在你睡觉时给手机充电,但确实会对电池造成负担。
They charge the phone while you're sleeping, but they really do tax the battery.
这一点是你应该了解的。
And that is something you should know.
关注我们的Facebook和Twitter账号。
Check us out on Facebook and Twitter.
我们在那里发布比节目中更多额外的信息。
We're there and we are posting additional information above and beyond what you hear in the program.
随时欢迎给我发邮件。
And feel free to email me anytime you like.
你可以通过 mike@somethingyoushouldknow.net 给我发邮件。
You can email me at mike@somethingyoushouldknow.net.
我是米卡·鲁特格斯。
I'm Micah Rutgers.
感谢今天收听《你应该知道的事》。
Thanks for listening today to something you should know.
你好,我是《最长最短的时间》的希拉里·弗兰克,这是一档荣获奖项的播客,主题是育儿与生殖健康。
Hey, it's Hilary Frank from The Longest Shortest Time, an award winning podcast about parenthood and reproductive health.
目前生殖健康领域正在发生很多事情,我们正在全面报道。
There is so much going on right now in the world of reproductive health, and we're covering it all.
避孕、怀孕、性别、身体自主权、更年期、知情同意、精子,关于精子的故事太多了,当然,还有养育各个年龄段孩子的种种喜悦与荒诞。
Birth control, pregnancy, gender, bodily autonomy, menopause, consent, sperm, so many stories about sperm, and, of course, the joys and absurdities of raising kids of all ages.
如果你是第一次听这个节目,推荐你收听一集叫《楼梯》的节目。
If you're new to the show, check out an episode called The Staircase.
这是我个人的一个故事,讲述我如何努力让孩子的学校开设性教育课程。
It's a personal story of mine about trying to get my kids school to teach sex ed.
剧透一下,我确实成功了,但结果完全不是我原本设想的样子。
Spoiler, I get it to happen, but not at all in the way that I wanted.
我们也会采访很多非父母听众,所以你不需要是父母也能收听。
We also talk to plenty of non parents, so you don't have to be a parent to listen.
如果你喜欢关于人际关系以及——你知道的——月经的出人意料、幽默又感人的故事,《最长的最短时间》就是为你准备的。
If you like surprising, funny, poignant stories about human relationships and, you know, periods, the longest shortest time is for you.
你可以在任何播客应用中找到我们,或者访问 longestshortesttime.com。
Find us in any podcast app or at longestshortesttime.com.
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