免费现金（最高600英镑）、赠品、国家养老金以及遗产税等！

事实是，银行希望你认为活期账户是你所有金融产品的中心，他们这么做是因为交叉销售比率是衡量银行盈利能力的最大指标。

The the truth of all this is banks want you to think that the current account is the center of all your financial products, and they do that because the biggest measure of banking profitability is cross sell ratio.

我们能向你出售多少种不同的产品？

How many different products we can sell you?

如果你是银行，向客户交叉销售其他产品的最佳方式就是让他们把主要的日常活期账户开在你这里，这也是为什么我刚才列举了他们愿意付给你多少钱的原因。对。

And the absolute best way if you are a bank to cross sell customers other products is for you to be the person that they have their main day to day current account with, which is why I've just gone through a list of how much they are willing to pay you Mhmm.

为了购买你的活期账户客户，因为他们想向你推销其他东西。

To buy your current account custom because because they want they want to sell you other things.

这就是他们想给这些产品蒙上的一层模糊不清的迷雾。

And that is the sort of the the the shimmering gray mist they want to have over these things.

在绝大多数情况下，你的信用卡、股票和基金账户、保险产品，即使它们都来自同一家银行，也与你的活期账户是相互独立的。

In the vast majority of cases, your credit cards, your stocks and shares, your insurance products, even if they're with the same bank are not linked to your current account.

你并没有义务必须保留你的活期账户。

You are not obliged to have your current account.

唯一的主要例外是一些特定的定期储蓄账户，每月可以存入高达203,100英镑，享受7%的利息，这类账户是与活期账户绑定的，而且只有在拥有活期账户的情况下才能开通。

The only main exemption is certain regular savings accounts where you can put up to $203,100 quid a month and you get 7% interest, which are which are linked and you can only open if you have the current account.

在这种情况下，如果你把日常账户转走，他们很可能会把你的账户关掉。

In those circumstances, you may well have the account closed down if you move your current account.

但一般来说，这也不是什么大问题。

But generally, this isn't an issue.

不过银行当然不会明说。

But banks, of course, they would never say it.

但就像我说的，他们就是故意让你有这种模糊的感觉，觉得账户是中心，这样他们就能向你推销其他产品和服务。

But there is this, as I say, a shimmering of pageness of them wanting you to think it because then, of course, they can cross sell you other items and other products.

既然我们在聊这些问题，我看到有些更大的优惠在打广告。

If we're going with the questions, there's some bigger offers being advertised.

对，确实有大的

Yeah, there are big

优惠。

offers.

这些优惠是所有人都能享受的吗？

They available to everyone?

不是的。

No.

所以你说得对。

So you're quite right.

这些只针对高收入人群。

So these are higher earner only offers.

通常你需要像普通银行账户转换一样，转几个直接借记过来。

So you usually need, again, like the normal bank account switching, you'll need to switch a couple of direct debits across.

你需要使用他们的活期账户服务。

You'll need to use their current account service.

巴克莱银行是给得最多的。

You've also got Barclays is the top payer there.

那需要最低年薪七万五千英镑。

For that you need a minimum £75,000 salary.

它会给你六百英镑，还有免费的Apple TV，可能还有五百英镑的零利率透支额度。

It'll give you £600 and free Apple TV and possibly a £500 0% overdraft.

如果你年薪超过10万，汇丰银行会免费给你500英镑。

If you earn over a $100 HSBC is paying you £500 for free.

它还提供全球家庭旅行保险，而且是免费的。

It also gives you free worldwide family travel insurance.

顺便说一下，这些都是免账户管理费的。

These are all fee free accounts by the way.

我提到的所有账户都是免管理费的。

All accounts I've mentioned are fee free.

还有全球家庭旅行保险和数字全科医生服务，这样你可以随时免费咨询医生。

Worldwide family travel insurance and digital GP access so you can have a GP you can talk to anytime for free.

NatWest的Premier Rewards也是免费送500英镑。

NatWest Premier Rewards is also £500 free.

这需要最低10万英镑的年薪，而且可能每月有7英镑的返现。

That's a minimum £100,000 salary and potential £7 a month cashback.

劳埃德的Premier账户免费送200英镑。

Lloyd's premier is £200 for free.

免费的数字全科医生服务，迪士尼加顶级海外借记卡，1%现金返还。

Free digital GP access, Disney plus top overseas debit card, 1% cashback.

所以如果你收入超过75美元，这些是免费的……

So if you're earning over $75, these are fee...

这些不是那种需要付费的套餐账户。

These aren't the packaged accounts where you pay.

这些是贵宾账户，他们限制客户数量，而且确实支付更多，你知道600英镑是……

These are premier accounts where they're limiting the number of customers and they do pay substantially more and you know £600 was...

咱们用实际金额来说，如果收入超过75美元，就是600英镑。

Let's talk in real money, £600 if we earn over $75.

顺便说一下，大多数银行账户，如果有最低存入要求，你可以通过满足最低存入来获得。

Just to say, most bank accounts you can gemmy the minimum pay in if they have one.

我的意思是，Club Lloyd's有最低存入要求，巴克莱也有，你不能绕过。

I mean Club Lloyd's has a minimum pay and Barclays has one you can't gemmy.

我的意思是，比如说他们要求你每月存入2000英镑，而你……

What I mean by that is let's say they say you've got to pay in 2,000 a month and you were...

你每月到手工资是1800英镑。

Your take home is £1,800 a month.

你可以先存入1800，取出200，再存回去。

You can pay your 1,800 in, take out 200, and pay it back in.

这样你当月就存入了2000英镑。

And now you've paid in £2,000 in the months.

有些银行是可行的。

That would work with some.

但巴克莱银行不行。

It doesn't work with Barclays.

我之前提到的其他大多数银行，其实只要求你第一个月存入大约1000英镑或类似的金额。

Most of the others I mentioned before actually just want you to pay in a grand or so or something similar in the first month.

不需要每个月都存。

You don't have to pay in each month.

但这些高收入账户，他们实际上是想确认你的收入确实达到那个水平。

But with these high earner accounts, they're actually looking really to see that you are earning that.

所以如果你的收入不固定，但一年下来超过那个数，那就没问题。

So if you have variable income, you're earning over that in the year, you'll be fine.

但如果你收入是六百零五万英镑，你觉得可以先取出来再存回去，他们对这种操作查得很严。

But if you were on $6,050,000 pounds and you think I'll take it out and pay it back in, they're much tighter on spotting that

特别是针对高收入账户。

With the with the higher owner account.

所以除非你确实达到那个收入水平，否则我不会建议这么做。

So I I wouldn't do it unless you're properly at that income level.

大卫，联名账户有没有什么可以做的转换优惠？

David, are there any switches that you can do with a joint account?

如果有的话，那个“过去XXX个月内不能有XXX账户”的条件，是要求两个人都不符合，还是只针对主申请人？

If there is, does the, you know, can't have an XXX account in the last XXX applied to both people or just the main applicant?

这个问题问得很好。

That's a very interesting question.

那我先回答第一个问题。

So let me answer the first bit first.

巴克莱银行账户，不支持联名账户转换。

Barclays Bank account, no to joint accounts.

汇丰银行，不支持联名账户转换。

HSBC, no to joint accounts.

First Direct，支持联名账户转换。

First Direct, yes to switching joint accounts.

Club Lloyd's，支持联名账户转换。

Club Lloyd's, yes to switching joint accounts.

NatWest，支持联名账户转换。

NatWest, yes to switching joint accounts.

所以，是的，你可以转换联名账户，而且还能拿到奖金。

So, yes, you can switch joint accounts, and you'll get the bonus.

现在我们来详细说说。

Now let's go into it in a in a little bit more detail.

这个问题很有意思。

It's fascinating question.

桑坦德、Club Lloyds 和 NatWest 表示，如果你们中任何一个人之前拿过转换奖金，那么联名账户就不能再拿转换奖金了。

Santander, Club Lloyds, and NatWest say if either of you has had the switching bonus before, you can't get the switching bonus on a joint account.

对于 Nationwide，如果你们中有一个之前拿过转换奖金，那么联名账户还是可以拿转换奖金的。

For Nationwide, if one of you has had the switching bonus before, you can get the switching bonus on a joint account.

但如果你们之前已经在联名账户上拿过转换奖金，那就不能再拿了。

But if you have had the switching bonus on a joint account before, you can't get the switching bonus on a joint account.

好的。

Okay.

Chris？

Chris?

我居然把这些都搞清楚了。

I I I managed to get through all this.

Chris，银行，联名账户能办吗，先生。

Chris, bank is can it be done on a joint account, Mr.

和太太。

And Mrs.

还有单独的活期账户，女士。

And a single current account, Mrs.

并且能获得提供的奖励吗？

And gain the rewards on offer?

有时候可以，有时候不行，这就是问题所在。

Sometimes yes, sometimes no is the question.

这取决于银行。

It depends on the bank.

老实跟你说，我手头没有具体信息，不确定你们能不能拿双份奖励。

And I will be honest with you, I haven't got that detail to hand of whether you would be allowed a double bonus.

可能吧，我猜根据我手头的条款，也许在Nationwide可以。

Possibly, my guess is from the the terms and conditions I did have to hand maybe with Nationwide.

有时候他们允许，有时候不允许。

Sometimes they allow it, sometimes they don't.

所以你们显然更好，顺便说一下。

So you are obviously better, by the way.

你有一个联名账户。

You have a joint account.

你最好……

You're better to...

你可以把联名账户留在原处，然后转换你的个人账户，这样你们俩都能拿到奖励。

You might keep your joint account where it is and switch your single accounts because then you're getting paid both of you.

你明白吗？

You know?

如果你们现在有两张巴克莱卡，总共就是600英镑。

If you got two Barclays at the moment in total, that's £600.

或者……

Or...

如果你们都是高收入者，那就是1200英镑。

And if you're both higher earners, that's £1,200.

安迪，你真的能把所有银行的转换优惠都走一遍吗？

Andy m, can you really go around all the bank switching offers once?

是的。

Yes.

只能一次吗？

Only once?

所有条款里都说之前没拿过换银行奖励才行。

All the TNC says can't have had a switching bonus before.

确实是这样，而且他们……

They do, and they are...

这几年规则收紧了不少。

The rules have been tightened up in recent years.

所以那些连环换银行的人还是存在的，而且有很多。

So the the serial switch is out there, and there are many of them.

我们之前聊过这个。

We've talked about it before.

有些人靠换银行账户赚了几千英镑。

People who earn thousands of pounds switching bank accounts.

所以有趣的是，我刚才说的时候没提，但汇丰对我来说是最有意思的，因为汇丰很少见。

That's why interestingly, I didn't mention it when I was going through it, but HSBC is the most interesting offer for me because HSBC is quite rare.

我直接给你读一下条款，因为汇丰和First Direct是姊妹银行。

I'll just read you the terms because HSBC and First Direct are sister banks.

它们属于同一家公司。

They're part of the same company.

所以First Direct的转换条件是，你必须是新客户，从未有过First Direct的产品，或者自2018年1月以来没有开过汇丰的银行账户。

So the first direct switching terms are you must be a new customer who has never had a first direct product or opened an HSBC bank account since January 2018.

但汇丰的条件是，即使你之前从汇丰或First Direct拿过转换奖金，只要是在2023年之前，并且你不再是他们的客户，就可以。

But the HSBC terms are you can do this even if you've had switch cash from HSBC or First Direct as long as it was before 2023 and you're no longer a customer.

所以资格标准差别挺大的，因为汇丰很少给这个。

So there's quite a big difference between the eligibility criteria because HSBC is much rarer at giving it out.

其他银行呢，巴克莱说，你不能之前从它那里拿过转换奖金，或者在10月1日（也就是它推出这个优惠的时候）持有过活跃的活期账户。

With the others out there, Barclays said you can't have received a previous switch bonus from it or have held an open current account on the October 1, which is when it launched this offer.

还有Club Lloyd说，自2023年1月1日以来，你不能从Lloyd's Halifax或Bank of Scotland拿过转换奖金。

And Club Lloyd says you can't have received a previous switch bonus from Lloyd's Halifax or Bank of Scotland since the 01/01/2023.

所以我建议大家做的是，如果你采用我所说的“临时账户系统”。

So what I suggest people do is if you're doing what I call the burner account system.

所谓临时账户系统，就是你去开一个银行账户，比如在Monza或Starling这类你不太会用的银行。

So the burner account system is you go and open a bank account somewhere like Monza or Starling or somewhere that you're not really gonna use.

你保留你的主账户。

You keep your main account.

然后你用那个临时账户作为起点，因为他们不提供奖励，你把它作为转换账户，用来转到新的转换优惠。

You then use that as your starter because they don't pay incentives and you use that as your switcher account to move to a new switcher.

所以你转到那些提供奖励的银行。

So you move to one of those that pays you.

你需要满足最低直接借记和最低收入要求，然后你做到这些。

You got to fulfill the minimum direct debits and the minimum income criteria and and you do that.

你这样做是为了获得转换奖励，然后你再转，再转，再转。

You do it to get the switch bonus and then you move again and again and again.

你做完这些之后，一旦完成，你就关闭它们，然后祈祷三四年后你可能有资格再次获得奖励。

And you do those and then once you're done, you close them down and then you cross your fingers that in three years time or four years time, you may be eligible again.

我得提醒你一下。

I need to give you a warning.

换一次银行账户，对你的信用记录会有轻微的短期影响。

Switching one bank account will have a minor short term impact on your credit reference files.

影响真的很小，但如果我快要申请房贷了，我不会在那一两个月里去做。

It's really minor, but I wouldn't do it in a month or two before I'm about to get a mortgage.

如果你频繁地换，那可能会有影响。

If you're repeatedly switching, that can have a hit.

所以这主要针对那些未来一两年内不需要做重大申请的人。

So that's mainly for people who don't need to make a big application in the next year or two if they're doing that.

Shinfield的Marty说，Adrian和Martin，我刚给NatWest打了电话，他们给我300英镑让我留下。

Marty of Shinfield says, Adrian and Martin, I've just rung NatWest, and they're paying me £300 to stay.

太棒了。

Result.

太好了。

Marvelous.

去试试看吧。

Go try that.

我很想多听听这些。

I'd love to hear more of those.

名人版《叛徒》。

The Celebrity Traitors.

你会考虑参加吗？

Is that something you'd consider doing?

说实话，这两个节目都有人邀请过我。

Well, I've been asked to do both of them, if I'm honest with you.

第一个节目邀请我的时候，我还没看过《叛徒》，所以就拒绝了。

I was asked to do the first one and I wasn't watching Traitors at the time, so I said no.

后来我……

And then I...

我女儿13岁，特别迷《叛徒》，我也跟着看入迷了。

With my daughter who's 13 and absolutely loves Traitors, I got into it.

然后他们又邀请我参加第二季。

And then they asked me to do the second one.

我们确实聊过一些事情，比如我说，如果我参加的话，我不知道你们会不会切断联系，但我每天必须跟我女儿通话。

And we actually, we got into conversations because like things like, I said, look, if I'm doing it, I don't know whether you shut off, but I need to speak to my daughter every day.

我不会去一个不能跟我女儿说话的地方，因为你知道，她是爸爸的小棉袄。

I'm not going anywhere where I can't talk to my little girl because, you know, she's daddy's girl.

她不会这么说。

She wouldn't say that.

我会说，其实是我需要跟她说话，当然还有我妻子。

I would say that it's me who needs to talk to her and my wife, obviously, as well.

但不幸的是，他们的拍摄时间正好赶上我ITV直播节目播出的时候。

Then, unfortunately, their filming time was when my live ITV shows were on.

所以我得履行承诺，去做ITV直播，那是我的节目。

So I was committed to do the live ITV shows, it's my show.

所以我必须去，而且我也很享受做这个节目。

So I have to do it, and I enjoy doing it.

所以我就没法参加。

And so I couldn't do it.

所以，如果有第三季的话，我肯定会考虑的。

So, if there's a third one, I would consider it, certainly.

但我现在……

But I'm...

其实挺想……

One would like...

挺想看看这一季的成片，看看它到底是什么样的。

Quite like to watch all of this one to see exactly what it is like.

我听说这一季……

I've heard it was...

他们这一季拍了好多好多小时。

They were filming for a lot of hours for this one.

而且挺辛苦的。

And it was quite hard.

有意思。

Interesting.

那就说说吧。

Just do the tell us.

跟我们讲讲那个话题。

Tell us about the tell us.

嗯，接着我们刚才聊的话题，我想简单知道的是，你合法得到过的最好的免费赠品是什么，你是怎么得到的？

Well, sticking with the same theme as we've been talking about, what I wanted to know very simply is what's the best freebie you've ever legitimately got, and what's the story behind how you got it?

这里有一些挺感人的，也有一些特别有意思的。

And there are some quite moving ones and some really interesting ones here.

你先来吧。

Why don't you start?

菲利普，我在沃尔沃斯工作的时候，我的店在神秘顾客检查中排名全公司第一。

Philip, when I worked for Woolworths, my store was top of the company for mystery shops.

但我没得到任何认可。

I got no recognition for this.

所以当一位董事来我店里做公关活动时，我就这件事向他提出了质疑。

So when a director visited my store on some PR exercise, I challenged him on this.

胆子不小。

Brave.

结果是我的区域经理因为没奖励我而挨了顿训。

The result was that my area manager got a dressing down for failing to reward me.

我为我的团队争取到了一个价值50英镑的晚上外出活动。

I secured a £50 ahead night out for my team.

不错。

Nice.

那是九十年代的事了。

Was back in the nineties.

我还拿到了公司的捷豹车和一周的加油卡。

And I got the company Jaguar and and a fuel card for a week.

所以你把那部分理解错了。

So You've misreading that bit.

嗯，这里有点……

Well, there's...

我们可以换个说法。

It We we can we can paraphrase.

我们可以直接说。

We can go.

车牌号是1……

The number plate is 1...

是1 Foxtrot Whiskey Whiskey，1FWW。

Was 1 foxtrot whiskey whiskey, 1FWW.

所以W和W代表Woolies，F的意思我就不多说了，你懂的。

So the W and the w stood for work for Woolies, and the f will leave that to you I mean,

我明白了。

I stood.

所以就是I，对。

So it's I Yeah.

就是给Woolies干活的意思。

Something work for Woolies.

好的。

Okay.

太棒了。

Brilliant.

而且他还拿到了加油卡。

And he got the fuel card as well.

所以车是直接送到店里的。

So the car was delivered to the store.

当地的交通管理员说，把车停门口一整天都没事，他不会开罚单。

The local traffic warden said park it out front all day, and he wouldn't ticket it.

我白天在员工下班时把他们送回家，然后请了一周的假，一周内开了超过1500英里。

I dropped the staff at home throughout the day throughout the day at the end of their shifts, then booked the week off work and racked up over 1,500 miles in a week.

不错。

Nicely

搞定了。

done.

不错。

Nice.

我现在先录一个短的。

I'll do I'll do a short one now.

米歇尔，我最好的免费赠品是一个科尔曼牛肉汁倒嘴。

Michelle, my best freebies is a Coleman cow gravy pourer.

到现在我都不知道是怎么弄到的。

To this day, I don't know how I got it.

它就那么送来了。

It just got delivered.

偶尔会拿出来用，大概是在吃牛肉汁的时候吧。

It comes out every now and then, probably when you're having gravy, I think.

但这只是...

But it's just something...

就是倒起来很顺手的那个东西。

It's just something that pours well.

很多设计来倒东西的器具其实倒不出来。

A lot of things designed for pouring don't pour.

我有……

I've...

我很珍惜一些旧的

I I treasure some old

大件的东西。

big stuff.

我们有一个水壶，几乎像个游戏，如果有客人来，他们试着倒水。

We a a water jug that is almost like a game if we have people and they try pour and the water.

你能一滴不洒地倒出来吗？

Can you pour it without any spill?

那是不可能的。

It's impossible.

根本不可能。

It's impossible.

我……

I...

但拉拉喜欢它。

But Lara likes it.

所以它就摆在外面，然后……

So it it goes out and...

一直放着。

Stays.

就一直放着。

It stays.

而且它的功能确实很差。

And it's it's it's poor functionality.

你不能不管它。

You can't you can't leave it alone.

这个……

This one...

但那是……

But that's...

但关于那个免费的东西和……

But the thing about the the the freebie and the...

我觉得那样会让你更喜欢它。

I think I think that would just make you love it more.

就是……

It's...

你知道，每当……

You know, whenever...

如果我有固定的午餐地点，你有张会员卡，集满八次就能免费吃一次。

If I have a certain places I go for lunch and you have a loyalty card, and if you get to eight, you get a free one.

而且它……

And it...

那个免费的就是更好吃。

The the free one just tastes better.

就是觉得，哇，这个太棒了。

Just just just like, this is great.

这是我的免费的那个。

This is my free one.

而且，是的，我非常清楚这背后的心理机制，以及它如何……

And, yes, I'm all very, very well aware of the psychology of it and how it would...

忠诚度奖励机制，但反正我本来就会去那里。

The loyalty retention bonus, but I'll be going there anyway.

所以这招管用。

So it it works.

哈里，我拿到了

Harry, I got

两张2018年我最喜欢的歌手的免费演唱会门票。

two free concert tickets to my favorite singer in 2018.

我是怎么拿到这些票的，

How I got them,

我碰巧发了一条推特说我想去看演唱会，然后一位好心的女士免费送给了我。

I just happened to tweet that I wish I could go to a concert, and some lovely lady offered them to me for free.

三天后我就到了现场。

I was there three days later.

这不算……

Doesn't...

他对最喜欢的歌手说得非常含糊。

He's very unspecific about the favorite singer.

嗯，我知道。

Well, I know.

我不知道。

I don't know.

也许是……

Maybe it's...

我不知道。

I don't know.

某个很土的人

Somebody naff

或者什么的。

or something.

可能是伊格莱西亚斯吧。

Could Iglesiasi.

嗯，他也没什么不好的。

Well, there's nothing wrong with him.

对。

No.

没什么。

Nothing.

我只是随便挑一个他们不想说的人。

I'm just picking someone that they didn't wanna say.

特蕾西，作为亲属照顾者，真的很不容易。

Tracy, as a kinship carer, it's tough.

我一个人拉扯四个孩子长大。

I was raising four children on my own.

其中两个是我的女儿。

Two were my daughters.

另外两个是我的亲属孙辈。

Two and two were my kinship grandchildren.

钱一直都很紧张，现在也是。

Money was and is tight.

蒂姆森，就是那个配钥匙的店，给寄养家庭提供了免费的度假屋假期。

Timsons, the key cutters, offered up free holidays to foster carers at caravan holiday parks.

后来他们决定也向亲属照顾者开放这个活动。

They then decided to open it up to kinship carers as well.

我们很幸运，赢得了一次度假机会。

We were lucky enough to win one of the holidays.

那真是太棒了。

It was amazing.

整整一周，所有费用都包了，门票、住宿，我们五个人真的能一起度假，真是太棒了。

A whole week, all paid for, the passes, the static, all five of us actually got to have a holiday together and it was amazing.

作为亲属照顾者，我们不像寄养照顾者那样有报酬。

As kinship carers, we don't get paid as foster carers do.

我们很多人是祖父母，资金有限，赚钱能力也有限。

A lot of us are grandparents with limited funds or earning capacity.

对我们全家来说，赢得这次机会真的是最棒的事情。

It really was the most amazing thing to win for my whole family.

非常感谢Timpsons。

Big thank you to Timpsons.

哦，我喜欢这个。

Oh, I like that.

好的。

Okay.

干得漂亮，Timpsons。

Well done, Timpsons.

亨里克，我有一次因为外卖小哥迟到了五分钟，免费得了一个大份的达美乐坦都里辣味披萨。

Henrik, I once got a large Domino's Tandoori hot pizza free because the delivery driver was five minutes late.

还是热的。

Still warm.

吃起来更香了。

Enjoyed it even more.

小确幸嘛。

Small wins.

朱莉，我癌症康复那会儿，真的穷得叮当响。

Julie, I was really broke when I was recovering from cancer.

没有工资。

No wages.

有一次我带女儿去咖啡店，那是我真负担不起的，结果他们免费送了我们饮料。

I went into a coffee shop with my daughter, which I really couldn't afford, and they gave us our drinks for free.

这么小的一件事，但我差点就哭了。

Such a small thing, but I could have wept.

好的。

Okay.

马克。

Mark.

马克为欧洲鸡尾酒锦标赛做过音响，耶。

Mark did the sound for the European cocktail championship Yay.

然后他得到了一瓶你见过的最大的特别版百加得。

And got given the biggest bottle of special edition Bacardi you've ever seen.

那瓶酒大概是标准瓶的三倍大。

It was, like, three times the size of a standard bottle.

另外，他以前还在伦敦爱乐音乐厅为肯·多德做过演出。

Also, he used to do the Ken Dodd shows at the London Philomonic Hall.

肯就像喜剧演员中的金霸王电池，永远停不下来。

Ken was like the Duracell battery of comedians.

他一演就是好几个小时。

He just go on for hours.

演出七点半开始。

So the show started at 07:30.

到十点半还在继续。

Still going at 10:30.

剧院经理让他收场。

Theater manager told him to wind up.

结果那天晚上，他把这当成个人挑战。

So this night, he took it as a personal challenge.

剧院经理说，肯要是超时，每小时收他一千英镑。

Theater manager said he'd charge Ken £1,000 an hour.

于是肯一直演到凌晨三点半。

So Ken kept on performing till half three in the morning.

第二天晚上，他给每位工作人员都带了一瓶好威士忌。

Then the next night brought every one of the crew a good bottle of whiskey.

听起来没错，肯。

That sounds right, Ken.

我正想说我印象最深的免费东西呢。

I was trying to think of my favorite freebie.

我之前讲过免费台球桌的故事，一张八美元的台球桌免费拿到的，所以就不多说了。

I've told a story about a free pool table, an $8 pool table I got for free before, so I won't labor on that.

但基本上

But basically

你打算……

You're going...

就给我个简略版吧。

Just give give me an abbreviated version of

我当时想要一张台球桌。

I wanted a pool table.

然后我一个朋友说，住他附近有个人有张……

And a mate of mine said, someone lives near him has got a...

有人要送一张台球桌。

Is giving away a pool table.

我心想，我不想要……

And thought, well, I don't want...

他说，不。

He said, no.

不。

No.

我觉得那台球桌真的很好。

I think it's a really good pool table.

于是我就打电话过去，那人说，过来看看吧。

So I called up and the guy said, come around, have a look.

我就过去看了看。

And I went around, have a look.

那是一张真正的标准尺寸、非常重的美式台球桌，才8美元。

And it was a proper full, you know, hugely heavy American pool table, $8 table.

我就问他，为什么要送人呢？

And I said, why are giving it away?

他说，因为搬走要花一千英镑，太重了。

He said, because it's gonna cost me a grand to get it moved because it's so heavy.

如果你愿意出钱把它搬走，你就可以拿走。

If you're willing to pay to have it taken out of here, you can have it.

所以我就这么做了。

So I did.

我找人重新打磨了台面。

I got it rebased.

那桌子漂亮极了。

It was absolutely beautiful.

真的是一张非常棒的台球桌。

It was a really fantastic table.

我花了大概一千英镑。

It cost me about a thousand pounds.

我认识一个人，也是因为同样的原因弄到了一张标准尺寸的斯诺克球桌。

I I know somebody who got a full size snooker table for exactly the same reasons.

又大又重的东西。

Big, heavy things.

真是不可思议。

Incredible.

你没法……

You can't...

你需要……

You you need...

搬这东西得请专业的人来，所以你得花钱找人搬。

It's industrial job to move it, so you have to pay people to move it.

但我想说，这可能是我最喜欢的免费东西了。

But I was gonna say probably my favorite freebie.

我是个超级田径迷。

I'm a massive athletics fan.

我以前是……

I was a...

在我进入金融产品统计领域之前，我小时候喜欢的是统计和体育。

Before I got into stats on financial products, it was stats and athletics when I was a kid.

我能叫出他们所有人的名字。

Could name all of them.

巧合的是，珍妮特·夸赫是我在ITV节目里的搭档主持人。

No coincidence, Jeanette Quach is my co presenter on my ITV show.

所以我特别喜欢这个。

So I love it.

后来我和英国田径协会聊上了，和他们混熟了，他们说，我们想找个人来……

And then I got talking to UK athletics and I got in with them and they talked about, we want someone to sort of...

关于田径，你要知道的是，大多数人都是志愿者，只有少数人是职业的。

The thing to understand about athletics, most people are volunteers, a few people are professional.

我们聊到这个的时候，他们说，希望你能来帮我们做点事。

And we were talking about it, they said, we'd like to come and do anything for us.

我们说他们想要一个能在体育场里出现的人，那些不常看田径的人也能认出他，并且能跟他们聊聊田径在Putler有多精彩。

And we said that they wanted someone who'd be there for the stadium, who people who don't go to the athletics that often would recognize and could talk to them about why athletics is so good inside Putler.

所以我参加了2017年的世界田径锦标赛，对吧？

So I did the World Athletics Championships in 2017, Right?

当时Ewan Thomas是专业的体育场主持人，而我是志愿者，这就是田径的运作方式。

And there was Ewan Thomas was the professional stadium presenter and I was the volunteer, which is how athletics works.

我会头上戴着麦克风到处走，说，看，跳高横杆比我还高出一英尺，而我正拿着麦克风站着。

And I'd go around with a microphone on my head saying, look, the high jump bar is still another foot over me standing with a microphone.

为此，我得到了……

And for that, I got...

反正我本来也会去那个赛事的。

And I would have gone to the event anyway.

我每晚都能免费进场，在田径场内，只要我在……

I got a free ticket every night inside the track and field whenever I was...

我每晚只做大约五分钟的节目。

I only did about five minute long things a night.

其余时间，我就坐在跳高横杆旁边，看着跳高比赛，离百米终点线只有两米远。

The rest of it, I sat next to the high jump bar watching the high jump two meters from the the finish track for the 100 meters.

现在你……

Now you...

你做过很多体育解说。

You've done lots of sports broadcasting.

我没有。

I've not.

那是我这辈子得到过的最好的免费待遇。

It was the best freebie I've ever had in my life.

我……

I...

好的。

Okay.

我只需要做五分钟，而且我本来也挺享受的。

I had to do five minutes, which I enjoyed anyway.

做广播，太棒了。

Broadcasting, amazing.

那是我的经历。

That was mine.

那真是美好的事情。

That's a beautiful thing.

你知道我的经历是什么吗？

Do you know mine was?

我去过一次英国喜剧奖。

I went to the British Comedy Awards once.

觉得压力很大。

Found it very stressful.

时间拖得很长。

It went on forever.

离开时有人塞给我们一个礼品袋。

And there was a goodie bag, which you pressed into our hands as we left.

我当时特别想回家。

I was so ready to go home.

我饿坏了，因为几乎没什么吃的。

I was starving because there was next to no food.

那时候是凌晨一点左右。

It's about 01:00 in the morning.

我打开礼品袋一看，里面有个巨大的猪肉派。

And I looked in the goodie bag, and there was a giant pork pie.

好吧。

Okay.

这对我来说可不行。

And I just Wouldn't have worked for me.

对。

No.

对你来说可能不行，但你可以试着想象一下类似的情景。

It wouldn't have worked for you, but just try try and imagine something similar.

然后我就直接像吃……

And I just ate it like a...

像在出租车里啃苹果一样把它吃了，那感觉真是绝了。

Like an apple in the back of a cab, and it was it was just it was just the job.

那是我拿过最好的免费赠品。

That was the best freebie ever.

可能是我最好的福利了，虽然不算免费赠品，嗯。

Probably my best perk, not quite a freebie ever Mhmm.

我是不是真的……

Was I really...

真不敢相信我会跟你说这个，但这是劳拉最喜欢的故事。

Can't believe I'm telling you this, but it's Lara's favorite story.

确实。

Quite.

我真的……

I really...

有一次我真的很急，我们在地铁站。

I'd really needed the loo once, and we were at a tube station.

我就问那个人，有没有厕所可以用？

And I asked the guy, is there a toilet I can use?

他说，这里没有厕所，兄弟。

He says, there's no toilets here, mate.

他说，但是马丁，你帮了我很多忙。

He says, but Martin, you've helped me a lot.

有一个员工专用的。

There's a staff one.

他们让我用了员工厕所。

And they let me use the staff loo.

那一刻，感觉就像你的猪肉派一样。

And at that moment, that's very similar to your pork pie.

我是说，你的是吃进去的，我的是排出来的，但真的是我急需的。

I mean, yours was input, mine was output, but it was really, really what I needed.

对的事情。

The right thing.

对的时机。

The right moment.

再来两个，因为我还有……

Two more of these because I've got...

它们快用完了。

They've got low.

但是让……

But let...

最后有一条虚线。

There's a dotted line at the end.

我们来看看那些。

Let's get to those.

迈克拿到了一台LG美式冰箱，因为他同意在我用了六周之后来评测它。

Mike got an LG American style fridge freezer by agreeing to review it after I'd had it six weeks.

完全免费。

Absolutely free of charge.

我喜欢你拿到免费的东西这一点。

I like the fact you got the freebie.

我总担心那种评测类的事情，因为我觉得那样会让你不一定客观地去评测。

I always worry about those review type things because I think it makes you review it not necessarily in an unbiased way.

塞西莉亚去了哈维·尼克斯吃小吃和葡萄酒，为什么不呢？

Cecilia went to Harvey Nick's for tapas and wine, and why not?

八道菜中有三道没有了。

Three out of the eight dishes were unavailable.

有点失望。

Disappointing.

我们享受了葡萄酒和其他菜肴，到了付账的时候。

Enjoyed our wine and other dishes when it came to pay.

服务员说食物是免费的。

The server announced the food is complimentary.

我们正常的选择都没有了，怎么能收你的钱呢。

We couldn't possibly charge you when our normal selection wasn't available.

服务太棒了。

Fab service.

最后我们来说说Nilani的故事。

And let's finish with Nilani.

几年前，我听到了一些不好的消息，心情很低落。

Years ago, I'd had some difficult news and was in a dark place.

我走进星巴克，买了杯咖啡，坐在那儿喝。

I walked into Starbucks and bought a coffee and sat there drinking it.

我当时明显很难过，正在整理思绪。

I was visibly upset, and I was gathering my thoughts.

走的时候，我看到有外带杯在打折，就买了一个。

When I was leaving, I saw some takeaway mugs on sale, so I bought one.

吧台后面的那位先生让我去拿身后一个普通的马克杯，那个只是正常出售，不打折。

The gentleman behind the bar asked me to pick up a normal mug behind me that was just for sale, not on sale.

我不知道他为什么让我这么做，但我还是照做了，把杯子递给了他。

I didn't know why he was asking, but I did it anyway and handed it to him.

他只是把杯子包好，然后说，这是给你的。

He just packed it up and said, it's for you.

没有收我一分钱。

Never charged me for it.

那个杯子我现在还留着。

I still have the mug.

说实话，我觉得这件事挺感人的。

And I actually find it's quite moving.

每次用这个杯子的时候，我都会想起那个陌生人在我心情低落时给予我的善意。

And whenever I use it, it reminds me of the kindness a stranger showed me on a dark day.

没有多余的话，也没有问任何问题。

No words, no questions.

只是一个礼物，让我脸上重新有了笑容。

Just a gift to put a smile on my face.

真好。

Sweet.

好的。

Okay.

太棒了。

Amazing.

我们接下来

What shall we

你知道吗？

Do you know what?

因为那更重要。

Because it's more important.

我想做返现卡，但我们可以之后再做。

I wanna do cashback cards, but we might do those after.

我觉得我们现在应该去Mastermind，如果大家愿意放主题曲的话。

I think we should probably go to Mastermind now if the guys will play the theme tune.

好的。

Okay.

我总觉得我处于开放状态。

I always find myself open.

他们弄丢了主题曲，这意味着我们没法做，但他们每周都让我失望。

They lose the theme tune, which means we can't do it, but they let me down every week.

我觉得你应该更自信一点，阿德里安。

I think you should be more bullish, Adrian.

欢迎来到《金钱大师》。

Welcome to Money Mastermind.

在这个三选一的多选题测验中，你答对了23题，答错了44题，这意味着，太好了，你又回到了BRC。

You've got 23 right and 44 wrong in this three option multiple choice quiz, which means, hurrah, you are back to BRC.

比随机猜的强。

Better than random chance.

前几天有人在社交媒体上给我写信提到你，他们叫你阿德里安·恩·比·阿·西·吉尔斯。

Someone did write to me about you the other day on social and they called you Adrian n b r c, Giles.

那我就接受这个结果吧。

I'll settle for that.

总之，这周阿德里安一直在担心关于三重锁定的新闻。

So anyway, Adrian has been worried this week about the news on the triple lock.

为什么伯纳姆想要我的饼干？

Why does Burnham want my biscuits?

你可能已经发现了，阿德里安把一场重大的公共政策辩论，和他在五台直播办公室里其他主持人对他饼干保护的事情搞混了。

As you may have realized, Adrian has confused a major public policy debate with his Bikky Tim protections from the other presenters in the five Live office.

他的锁是一个自行车锁，上面缠着东西。

His lock one is a bike delock wrapped around it.

马特·肖尼每周都想进来。

Matt Shawnee tries to get in every week.

没门。

No chance.

他每次都被打败。

He's defeated every time.

娜迦用一根安全别针和她那可疑的灵活手指，几秒钟就能打开那把锁，但她却失败了……

Naga can get through that lock in seconds with a safety pin and her suspiciously bendy fingers, but she fail...

在第二把锁上栽了跟头，那是阿德里安的密码锁。

Falls foul of lock two, Adrian's combination lock.

妮基·坎贝尔破解那把锁的速度比艾伦·图灵喝杯茶休息时还快，但就连大块头坎贝尔看到第三把锁也退缩了，那把锁由一条叫加里的鳄鱼看守，它从2019年起就没眨过眼。

Nikki Campbell can crack that quicker than Alan Turing on a tea break, but even big boy Campbell backs off when he sees lock three, guarded by a crocodile called Gary who hasn't blinked since 2019.

坚不可摧。

Unbreakable.

是吗？

Or is it?

不错，他进去了。

Nice He's got in.

好饼干，阿德里安。

Nice hobnob, Adrian.

你偷了我的饼干。

You nicked my hobnob.

对。

Exactly.

我这里其实有一包。

I've actually got a packet here.

买的。

Bought them.

我是专门为了这个节目买的。

I bought them pressed just for the print then.

总之，我……

Anyway, so I've...

你从来不会……

You never...

这就像广播的第一条规则。

It's just like the first rule of broadcasting.

从来都记不住。

Never even remember.

是吗？

Did you?

没有。

No.

我算是做了，然后我就想，管他呢，先干起来再说，现在我也确实在做了。

I sort of did, and I just thought I'm gonna run with it anyway, and I'm now doing it.

那么，如果按照提议，2030年国家养老金三重锁定政策发生变化，这种情况最可能的结果是什么？

So when the change to the state pension triple lock comes in as is proposed to happen in 2030, What is the most likely result of this scenario?

你可能需要把这个记下来。

You might need to write this down.

第一年。

Year one.

CPI通胀率是3%。

CPI inflation is 3%.

平均工资上涨2%。

Average earnings rise 2%.

第二年，CPI通胀率是4%，平均工资上涨6%。

Year two, CPI inflation is 4%, average earnings rise 6%.

很明显，第一年会上涨3%，因为最高的数字是3%。

Clearly in year one, it will rise 3% because the highest of the figures is 3%.

平均工资是2%。

It's had an average earnings at 2%.

它高于2.5%，这是第三个锁定条件。

It's higher than 2.5%, which is the third lock.

第二年会上涨多少？

How much would it rise in year two?

A，4%，B，5%，C，6%。

A, 4%, b, 5%, c, 6%.

记住，第二年，通胀率是4%，平均工资上涨6%。

In year two, remember, inflation was 4% and average earnings rise 6%.

所以第一年上涨了3%，对。

So it's risen 3% in year one Mhmm.

第一年，平均收入是2%。

And average earnings was 2% in year one.

第二年，通货膨胀率是4%，平均收入增长6%。

In the second year, inflation is 4% and average earnings rise 6%.

在新制度下……

Under the new system...

那你知道在旧制度下，也就是现行制度下，它会涨多少吗？

Well, do you know under the old system, under the current system, what it would rise?

我……我说不好，我……我说不好。

I can't I can't say I I can't say

我知道。

I do.

好吧，因为我真的希望大家能理解这个，我现在就解释一下现行制度。

Well, just because I really want people to understand this, I will explain the current system now.

现行的三重锁定规定，国家养老金每年四月按2.5%、CPI通胀率或平均收入中最高的一项上涨，所以2.5%实际上就是底线。

The current triple lock says, the state pension rises each April with the highest of 2.5%, so that's the floor effectively, or CPI inflation or average earnings.

这就是目前的三重锁定。

So that's the current triple lock.

那么在目前的三重锁定下，情况会怎样？

So what would the situation be in the current triple lock?

会是一样的。

It would be the same.

会是三……

It would be three...

会是3%。

It'd be 3%.

第一年是这样，那第二年呢？

In year one, and what in year

第二年？

two?

会是CPI的百分比。

It would be CPX percent.

对。

Correct.

所以它

So it

会按平均收入增长。

would Average go earnings.

平均收入。

Average earnings.

所以它会按9%复利增长。

So it would go to 9% compounded.

我不是...

I'm not...

你知道，我们不会去算那个...

You know, we're not gonna do the...

那会是多少？

Go for What?

两年以上？

Over two?

两年以上。

Over two years.

第一年是3%，第二年是6%，两年加起来总共9%，再加上复利。

It was 3% in year one, 6% in year two, total over the two years, 9% plus compounded.

好的。

Okay.

现在我要问的是，在新制度下，第二年你有4%的通货膨胀和6%的平均收入。

Now what I'm asking you is under the new system, you've got in that second year, you've got inflation is 4% and average earning 6%.

那它会涨多少？

How much would it go up?

A，几年。

A, for years.

哦，不。

Oh, no.