问答时间：将工资的 15% 存入养老金是否足够？财务文件应保留多久？我去世后 ISA 的规则是什么？

是的

Yeah.

听起来你最近过得不错。

It sounds like you're doing well.

我觉得这番对话挺有帮助的。

I think it's a good conversation.

当你处在你这种位置时，主动提出来很重要，因为这样能让你的计划更扎实。

And actually asking the question when you're in your position is important because hopefully it just firms everything up.

稍微收紧一下预算，把信用卡欠款还清，听你老婆的，一切就都没问题了。

A little bit tighter budgeting, get these cards paid off, listen to your wife, and it should all be fine.

太好了。

Excellent.

好的。

All right.

谢谢你，马丁。

I appreciate that, Martin.

谢谢。

Thank you.

你拿到徽章了。

You're getting a badge.

还想怎么样呢？

What more

你还想要求什么？

What could you more could you want?

就这样了。

That's it.

今天阳光这么好，居然还拿到一枚徽章。

What a day with the sun shining and now I get a badge.

克里斯·海登先生，谢谢您。

Chris Hayden, Esquire, thank you.

非常感谢。

Thank you very much.

谢了，伙计。

Cheers, mate.

谢了，克里斯。

Cheers, Chris.

再见。

Bye bye.

是

Are

你坐在那儿想着，哦，我知道该问他什么了？

you sitting there thinking, oh, I know what I wanted to ask him?

好吧，这就是你的机会。

Well, this is your opportunity.

如果你有问题，直接发到 martinlewispodcastbbc 点 co 点 uk 就行。

If you've got a question, then just send them in to martinlewispodcastbbc dot co dot uk.

还有，亲爱的马丁，请务必以尊称开头。

And please do start them, dear Martin.

不是啊，马特。

No, dear Matt.

马丁啊。

Dear Martin.

马特啊。

Dear Matt.

好的，马特。

Okay, Matt.

这是一条读出来的留言。

It's a read.

这是第三个问题。

It's question number three.

第三个问题是来自苏珊或苏珊娜的。

Question three is from Susan or Suzanne.

这个名字该怎么念？

How would you pronounce it?

苏珊？苏珊娜？

Suzanne, Susan?

这得看情况。

It depends.

两个名字都有可能。

It could be both.

我觉得应该是

I'm gonna say

你知道吗？

And and you know what?

刚才私下里，你对我的发音可是挺不客气的。

You were quite rude about my pronunciation off air a moment ago.

我那时候心不在焉，把‘opaque’念成了‘oh-pake’。

Because I was saying when my brain was elsewhere, okay, I said opaque as opposed to opaque.

你和罗斯夫人当时都笑了，罗斯夫人笑得还比较温和，但你可没留情面，还说了些带年龄歧视的话。

And you and Lady Rosie were both, Lady Rosie was doing it far more kindly than you, was slightly making fun of me, and there were ageist remarks going on.

所以你现在想让我告诉你该怎么念 Suzanne 还是 Susan？

So now you want my help to know how to say Suzanne or Susan.

我不会告诉你的。

I'm not giving it.

这倒也没错。

That's fair enough.

你这是自作自受，年轻人。

You you I'm hoist your own petard, young man.

这倒也没错。

That's fair enough.

我还是选 Suzanne，因为那个字母是 Zed。

I'm gonna say Suzanne because it's the the zed.

Suzanne 已经发邮件过来了。

So Suzanne has emailed in.

邮箱是 MartinLewisPodcast@bbc.co.uk。

MartinLewisPodcast@bbc.co.uk.

你好，马丁和马特。

Hello, Martin and Matt.

正确的说法是。

The correct way.

你好，苏珊或者苏珊娜。

Hello, Susan or Suzanne.

或者苏珊娜。

Or Suzanne.

她说，我很喜欢听你们的播客。

She says, I enjoy listening to your podcasts.

能回答下面这个问题吗？

Could you answer the following?

我正在整理文件，打算全部转成电子存档。

I'm trying to streamline my filing by keeping online records.

哪些文件还是需要保留纸质原件呢？

Which documents should you keep original paper copies of?

这个问题真有意思。

What an interesting question.

通常的说法是，银行对账单、信用卡账单和其他个人财务文件保留六年就够了，因为税务局只被允许追溯到这个时间范围。

The conventional wisdom is you only need to keep bank credit card and other personal finance documents for six years because HMRC, the tax office, is said to only be able to ask you to go back that far.

但实际上，对于做自我评估的人来说，税务局一般只要求保留税务记录到纳税年度结束后的22个月。

Now, actually, HMRC only requires most tax records to be kept for people doing self assessment for twenty two months after the end of the tax year.

有限公司通常必须至少保留六年的会计记录。

Limited companies generally must keep accounting records for at least six years.

不过为了安全起见，我建议还是按六年来处理，万一遇到税务稽查，总比事后找不到凭证强，毕竟没什么比税务稽查更让人头疼的了。

But I would probably go for the six year rule anyway for safety, just in case you have a tax investigation, because there is nothing worse than a tax investigation.

他们有权调查得很深。

They have huge powers.

整个过程可能会非常让人焦虑。

It can be very distressing.

你之前收到的那笔52英镑，是哪儿来的？

What was that £52 you got from that?

我根本不知道是哪家公司。

I don't even know who the company was.

所以你还是把那些文件留着吧。

So you just wanna keep those records.

至于别的方面，我的看法跟大多数人不一样，我现在念一段给你听，刚才你问我的时候我匆忙找出来的。

Beyond that, I have a very different take to other people, and I am going to read you something now, because I was hastily finding it while you were asking me.

这是我2013年写的一篇博客，那时候你还在上学吗，马特？

From a blog I wrote back in 2013, were you still in school, Matt?

对。

Yes.

我刚上六年级，也就是A-Level，才刚开始。

I had just started my sixth four, so A levels, I'd just started A levels.

所以那时候你年纪太小，根本不可能读过这篇博客。

So you too young to have even read this blog at the time.

是的，那时候我都不认识你。

Yeah, I don't think I knew who you were then.

你当时大概不会这么做的。

You probably wouldn't have done that.

所以在那篇博客里，我特别提到，系统性误导的证据往往需要好几年才能在体系中显现出来。

So in that blog, I specifically said, evidence of systemic misselling often takes years to work through the system.

如果是跟养老金有关的，那可能要几十年才行。

If it's related to a pension, it could be many decades.

所以现在根本没法预测，几年后你可能会需要哪些文件。

So it's impossible now to say what you may need the paperwork of in a few years' time.

因此，安全起见，尽量保留旧文件，哪怕是一些已经停售的产品，也是很有必要的。

Therefore, safety, keeping old documents as long as you can, even for now closed products, is a reasonable precaution.

我当时写了一篇博客，题目叫《文件该保留多久》。

And I did it in a blog entitled How Long to Keep Your Documents For.

从那以后，汽车金融误导销售的丑闻爆发了，现在你可以追溯到2007年的索赔，但大多数人最大的难题是找不到自己的原始单据。

Since that point, we have had the car finance misselling scandal, where you can now claim back to 2007, but the biggest problem people have is finding their own documentation.

所以很明显，那些当年听从了我2013年建议的人，在汽车金融这件事上就占了便宜。

So obviously with car finance, that worked well for anyone who was following that advice that I gave in 2013.

这基本上就是我的看法。

And that's really my read across.

一般来说，向申诉专员投诉的时限是事件发生后六年，但如果涉及大规模误导销售，这个期限是可以延长的。

While for complaints or firms to the ombudsman, the usual rule is six years from it when it happened, those rules can stretch when there's widespread misselling.

所以我的建议是，你没必要保留每一笔付款记录，但对大多数重要的产品或服务，我建议你保留好签约文件、升级文件和结清文件，这些文件会清楚记录你付了什么、没付什么，以及具体的条款。

So what I would say is, you don't want to be keeping a record of every payment you've ever made, But for most major transactions, products or services, I would want to keep my sign up documents, any upgrade documents and any closure documents, which detail exactly what was paid and what wasn't paid and what the terms were.

下面是我建议保留的清单。

So here's my list of what I would suggest.

凡是签约的产品，无论是否已还清，我都建议你保留当初签约时的条款细节，以及相关费用的具体信息。

Any product that you sign up for and any product once you've paid it off, I would keep the details of the terms that you signed up to and that you had when you got it in the first case and the details of how much it was for.

我会把这些资料电子存档，但不需要保存中间所有的付款记录。

And I would store that digitally, but not all the payments in between.

包括贷款、信用卡、房贷、汽车金融、分期付款的申请和协议，每年保留一两份银行对账单，显示利息或附加费用；在更换或关闭账户前，记得下载关键的对账单和协议文件。

So applications and agreements for loans, credit card, mortgages, car finance, hire purchase, couple of bank statements a year showing interest fees or add ons, and before switching or closing accounts, download your key statements and agreements.

金融产品的开户或升级文件，比如综合银行账户和储蓄产品。

Opening or upgrading paperwork for financial products like packaged bank accounts and savings.

航班或昂贵旅行的预订确认单也要留着，因为这些也可能能申请退款，但不用保存太久。

Booking confirmations for flights or costly travel, because you might be able to back claim those too, you won't need to keep those sent long.

贵重物品的购买记录要保留好，包括付款对象、付款时间、收据，以及保修或保证文件。

And costly purchases, keep a record of who you paid and when and keep the receipts and any warranty or guarantee.

总之，只要能证明你当时拥有什么，这些材料就足够了。

So anything that's enough to prove what you had is where I'd go with this.

明白了。

Okay.

这是格式的守护神。

Yee guru of the format.

这是第四个问题。

It's question number four.

这是偶数。

It's even.

该有听众来电了。

We must have a caller.

打电话的是谁？

Who's on the phone?

我们没有。

And we don't.

什么？

What?

有位听众来电。

Have a caller.

马特？

Matt?

我知道。

I know.

什么？

What?

我尽力了，但没人能上线跟你对话。

So I tried really hard, but no one was available to come on and talk to you.

没人想要徽章。

No one wanted a badge.

事实上，没有。

In fact, no.

他们都想要徽章。

They all wanted badges.

事实上，他们都明确说很想上节目、想要徽章，但因为会议和育儿安排冲突，实在抽不开身。

In fact, they all expressly said how much they wanted to come on and wanted a badge, but couldn't make it work because of meetings and and childcare issues, things like that.

各位，根本就没有徽章。

Well, there's no badge, people.

没有徽章。

No badge.

根本就没有徽章。

There's no badge.

我确实做得不错。

I did do a good job.

我们会把答案告诉你们。

We'll give you the answer.

我们会把相关信息提供给你们。

We'll give you the information.

我们绝不会剥夺你们获取这些信息的权利。

We can never deprive you of that information.

但徽章是神圣不可侵犯的。

But badge is a sacrosanct.

如果你不愿意为我们发声，那我们也无法给你徽章。

And If you're not willing to lend us your voice, we're not willing to give you a badge.

但你依然可以。

But you can still.

我们就是这样的人，对吧，马特？

The type of people we are, isn't it, Matt?

我们一向很严格。

We're tough.

我们做事很较真。

We're hard.

我们可不讲情面。

We're mean.

我们特别较真于规矩。

We're sticklers for the rules.

我本来想搞个徽章什么的，但实在想不出点子。

We are I wanted to do badge something, but I couldn't come up with anything.

我们就是那种较真的人。

We are we are badgers.

我们就是较真的人。

We're badgers.

不对。

No.

那招没用。

It didn't work.

但只要你的问题被念出来，你就可以自称是‘律师’了。

But but you can call yourself an Esquire if we read out your question.

对吧？

Right?

是的。

Yeah.

是的。

Yeah.

那没问题。

So that's fine.

是的。

Yeah.

你依然是‘律师’。

You're still an Esquire.

我不打算剥夺你的这个头衔。

I don't want to deprive you of that.

就是别发徽章了。

Just no badge.

但徽章是不一样的。

But badges are badges are special.

好的。

Okay.

明白了。

Okay.

那我们现在

So How

到目前为止已经发了多少个徽章了？

many have we sent out to all the people so far?

是的。

Yeah.

我们之前承诺发徽章的人，现在补发进度怎么样了？

As are we are we up with our backdating of badges for all the people who promised badges?

是的。

Yes.

所有联系我并提供地址的人，我都已经寄出了，全都寄出去了。

To everyone who's come back to me and said with their address, I have sent them out and I sent them out

几天前就寄了，所以

a few days ago, so

他们应该已经在路上了。

they should be on the way.

有没有人发来感谢，说特别喜欢徽章，或者提到赞助的事？

Have we had any thank you for the badges, I really love them, sponsorship?

还没有。

Not yet.

才过了几天，所以

It's only been a couple of days though, so

你一定要随时告诉我进展，我会的。

You must keep us in touch with I will.

我会的。

I will.

因为我非常关注这件事，真的。

Because I am I'm I'm highly invested Okay.

关于徽章事件。

In in Badgegate.

我觉得很多人都在关注。

I think a lot of people are.

是的。

Yeah.

对。

Yeah.

我之前老是跟你叨叨这事儿，现在感觉挺好的。

Should we guys this was great when I badger you about it.

天啊。

Oh, god.

这次比你第一次找我麻烦时好多了。

That was better than that my first badger.

是的。

Yeah.

没错。

Right.

乔丹已经给他发邮件了。

Jordan's emailed him.

他发了封邮件，我想是说，我会……

He's emailed in an I guess know, I'll

如果他们还没找上门，他就把责任推到你头上。

pin the blame on you if they haven't gone there.

抱歉。

Sorry.

罗斯正在做你提到的那个微笑。

Rosie's doing the smile that you mentioned.

好的。

Okay.

蒙娜丽莎的微笑。

The Mona Lisa smile.

对。

Yeah.

尴尬的笑。

The cringe smile.

行。

Okay.

好吧。

Fine.

你有什么问题？

What's your what's your question?

这个是乔丹发来的，他发邮件说：亲爱的马丁、马特、西蒙和罗斯。

So this one's from Jordan and he he has emailed in, dear Martin, Matt, Matt and Simon and Rosie.

哦，那真不错。

Oh, well, that's very nice.

我知道。

I know.

所以大家都涵盖了。

So everyone's included.

我肯定，马特，你就是第一个马特。

And and I'm sure, Matt, you were the first Matt.

我觉得我是。

I think I was.

是的。

Yeah.

念出来。

Read it.

我是这么理解的。

I read as that.

他说，希望你们大家都好。

He has said, I hope you're all well.

听了几周前那期《问答时间》播客后，他觉得非得发封邮件不可。

After listening to this week's Question Time pod, which was a couple of weeks ago, he said he was compelled to email in.

这事跟一位想把孩子的初级ISA转成投资型初级ISA的爸爸有关，他担心自己配偶不同意。

It was in relation to the chap who wanted to swap his Junior ISAs to investment Junior ISAs, but was worried and was meeting resistance from his partner.

我一直对投资感兴趣，2020年疫情期间还赚过一些，但后来也亏了不少。

He says, I've always been interested in investing and had some success during COVID in 2020, but lost some money.

我也一直在攒投资本金，可惜最近有了孩子，这笔钱也缩水了。

I've also tried to build an investment pot, but with recently having a child, that pot has depleted too, unfortunately.

但去年除夕女儿出生后，我几乎立刻给她开了个股票型初级ISA，每个月雷打不动存100镑，想给她攒点未来的养老本。

However, when my daughter was born on New Year's Eve twenty twenty three, I almost instantly opened a stocks and share junior ISA for her and had been religiously invested £100 a month to build her a nest egg for the future.

我信奉的是长期持有，而不是试图抄底逃顶，所以选了最激进的那款管理型基金，结果出乎意料地好。

Due to my philosophy of time in the market, not timing the market, I went for the most ambitious managed fund available and have had an unbelievable result so far.

当然不是一路顺风，波动挺大的，但总体来看，她的账户已经涨了超过24%。

It's not all been plain sailing and there have been some dramatic swings, But overall, her account is up to over 24%.

当然，我挺幸运的，但我相信这笔可观的收益是因为我一直坚持定期投资，不管是低点还是高点都买，也就是所谓的平均成本法。

Obviously, I've been very lucky, but I believe this impressive gain is because I'm consistently investing and buying the dips as well as the highs pound cost averaging, if you will.

我一共做了41次定期投资，再加上一些额外的投入，总共投了4600英镑，现在她的账户价值已经涨到了5700英镑。

I've made 41 regular investments plus some additional totaling £4,600, and her account is now worth £5,700.

他说，投资听起来可能让人望而却步，但越早开始，孩子账户就有越多时间增长。

He says, know the thought of investing can be daunting, but the sooner you start, the more time you have for your kid's account to grow.

哦，好的，乔丹，非常感谢你分享。

Oh, well, Jordan, thank you very much.

这真的很重要，因为之前确实有位听众来电，讨论该把钱放进现金型儿童ISA，还是换成股票型儿童ISA。

It's really important because yes, we had we had a caller on who was talking about putting money into a cash Junior ISA and debating whether it should go into a shares Junior ISA.

关于这一点，我以前也说过很多次，投资的黄金法则就是：用那些你短期内不需要、可以锁定五年以上的钱。

And and my view on this, as I've said many times before is the golden rule for investing is you want to be using money that you don't need that you can lock away for more than five years.

而儿童ISA里的钱，从定义上来说，必须锁定到孩子满18岁才能动用，期间完全不能提取。

And any money put in a Junior ISA is by definition locked away until the child is 18 and cannot be accessed.

所以，这笔钱你目前绝对是用不上的。

So it's money you definitely currently don't need.

而且大多数情况下，尤其是因为人们通常在孩子很小的时候就开始，这笔钱会被锁定很长一段时间，远超过五年。

And in most cases, especially because most people tend to start these things when the child is very young, you're locking it away for way more than five years.

所以这正好落在了投资时机的最佳范围内。

So it really fits in the center of the Venn diagram of when it's right to invest.

听到你一直在这么做，真让人欣慰。

And it's lovely to hear that you've been doing that.

而且效果不错，还能听到真实的案例，这太好了。

And it's working well and to have a testimonial.

你这番话其实给了我一个新点子，马特。

And it's actually given me an idea, Matt.

说来听听。

Oh, go on.

这是想给《问答时间》这个播客加个新环节。

For a sort of a it's a new element to the Question Time podcast.

我们平时都是请听众提问题。

So we normally ask people for questions.

是的。

Yes.

但很多时候，我发现我们收到的是一些非常个人化的问题，关于人生经历和该怎么做。

But often, and what I'm starting to find is we're getting some very personal questions which are about life experience coming in and what you should do.

上周的播客里，莎拉提了一个特别棒的问题，她问：我都快五十了还没买房，是不是算失败了？

We have the brilliant question from Sarah in last week's podcast about, effectively she's saying, am I a failure because I'm nearly 50 and I haven't bought my own home?

我觉得这问题特别有意思，我的回答是：当然不是。

And I thought that was fascinating and no was my answer.

但我其实希望听众们能主动联系我，分享你们的看法或相关经历，尤其是听了这些问题之后。

But I actually think I would like to invite our listeners to get in touch if they have anything to add or any experience on the back of the questions that they've heard.

所以这更像是听众的回应，而不是单纯的问题。

And so it's more a response read rather than the question.

我想说——这其实是个开端，这是第一个例子。

And I think I'm- which this was, this was the first example of it.

因此，我诚挚邀请各位听众参与进来。

So treat this listeners as an open invite.

如果你听到什么内容，想参与讨论，当然，这是《问答时间》节目，马特和我虽然常有争执，但面对每一位提问的听众，我们始终要保持礼貌和尊重，让他们愿意开口回答。

If you hear something and you want to engage in that debate and discussion, of course, this is the Question Time podcast where Matt and I can bicker, we must always be nice and considerate to anybody who gets in to ask a question and give them a reason to answer.

不过我知道你本来就会这么做。

But I know you would do that anyway.

欢迎随时给我们发消息，谈谈你的想法。

Then feel free to send us a note on your thought on it.

这可能会让我们得好好想想后期怎么处理，对吧，马特？

It's going to lead to we'll probably have to have some production thought won't we Matt?

要不要把最初那个问题的片段再放一遍，看看我们当时是怎么回应的？

And do we play a clip of the question from the first time and how we deal with it in that sense.

是的。

Yeah.

你和我回头再聊聊这个事。

We'll- you and I will chat about that.

就这么办。

We shall.

不过我觉得这会是节目里挺不错的一个部分。

But I think it'd be quite a nice part of the show.

罗斯有什么看法？

What does Rosie think?

她刚看了我一眼。

She's looked at me.

她笑了。

She's smiled.

她还笑出声了。

She's laughed.

对，她一边听一边点头。

Yeah, she's nodding alongside me.

很好。

Fine.

我们都达成一致了。

We are all of agreement.

是的

Yeah.

如果有问题，现在就可以提出来。

So get your questions in if you'd like a question.

想问点有趣的问题，也欢迎提交到Askans。

Get your Askans funny questions in if you would like one of those.

顺便也把你的回复发过来吧。

And get your responses in too now, we'll say.

所有内容请发送至 MartinLewisPodcastbbc dot co dot uk，并注明收件人：Dear Martin。

All to MartinLewisPodcastbbc dot co dot uk and address them to Dear Martin.

或者你也可以写：Dear Matt。

Or you could say, Dear Matt.

Dear Martin。

Dear Martin.

Dear Matt。

Dear Matt.

或者写给亲爱的罗斯。

Or Dear Rosie.

马特，我觉得我们还能再挤进一个问题。

Matt, I think we can squeeze in one more quick question.

要不我们再问一个第五个？

Shall we have a fifth?

好。

Yeah.

我这儿有一个。

I've got one.

我这儿有个迈克发来的。

I've got one from Mike.

他发了封邮件过来。

He has emailed in.

他说：嗨，马丁。

He says, Hi, Martin.

请问，当一个人去世后，现金和股票与基金份额的ISA在税务上会怎么处理？

Please, can you tell me what happens to both cash and stocks and shares ISAs at death with regards to the tax implications?

我可以回答这个问题。

I can indeed.

我们先从遗产税说起。

Let's start with inheritance tax.

简单来说，ISA在遗产税方面并没有特殊待遇。

ISAs aren't special for inheritance tax purposes is the easiest way to say it.

ISA账户的保护并不能让你免于缴纳遗产税。

There is no the the ISA wrapper does not protect you from inheritance tax.

无论是现金还是股票基金份额，只要在ISA里，都会被计入你的遗产总额。

Any cash or stocks and shares held inside an ISA form part of your estate when the total value of your estate is count totaled and counted.

如果遗产总值超过了免税额度，那这部分就要缴税。

And therefore, if it is above the amount that you can leave tax free, then it is taxable.

哪怕钱放在ISA里，也帮不上忙。

The fact it's in an ISA won't help that.

不过有意思的是，虽然继承税上没有ISA的优惠，但如果是配偶或民事伴侣——也就是通过法律程序正式结成民事伴侣关系的人——就能享受这个待遇，哪怕你们同居了二十年，还养了七个孩子，只要没走法律程序，就不算数。

The interesting thing though, is while you can't you don't get any ISA benefit on inheritance tax, specifically in the case of a spouse or civil partner, someone who's been through a legal civil partnership ceremony, not if you're just cohabiting, even if you've been cohabiting twenty years and have seven kids, this doesn't work for you.

配偶或民事伴侣可以继承已故一方的ISA免税额度。

The spouse or civil partner can inherit the ISA allowance of the person who has died.

有趣的是，即使你没有继承到对方ISA里的资产或现金，你依然可以继承这个额度。

Now interestingly, you can do that even if you were not left the assets or the cash that was in the ISA, you can still inherit the allowance.

这意味着，除了你每年正常的ISA免税额度外，你还可以额外存入一笔免税金额，上限是对方去世时ISA里的金额，或者ISA关闭时的金额，这笔钱可以用来每年免税储蓄或投资。

It means as well as your normal ISA allowance, you can add a tax free amount up to either the value they held in that ISA when they died or the value of that ISA when it was closed to the amount that you can save or invest tax free each year.

我知道有人会问，那孩子呢？孩子是不行的。

Now this, I know some people say what about kids, it doesn't work for kids.

这个政策只适用于配偶，但你可以因此增加你的ISA免税额度，额外的金额可以用来存放新的资产，完全不影响你原有的额度。

This is only for spouses, but you can effectively increase your ISA allowance, it's on top of your normal ISA allowance that you can put those new assets in.

你可能会用到对方留给你的一些现金或股票。

Now it may be that you're utilizing money, cash or shares that have been left to you.

然后把这些钱放进ISA账户里。

And you're going to put that in an ISA wrapper.

或者你用的是其他来源的资产，依然能享受这个额外的额度。

Or maybe you're using assets that come from elsewhere, you still get this extra allowance.

要办理的话，联系你的ISA提供商，或者你已故配偶或民事伴侣的ISA提供商，了解具体细节。

To do it contact your ISA provider or the provider of your late spouse or civil partner's ISA for details.

这些你都听明白了吗，马特？

Did that all make sense to you, Matt?

有点复杂。

It's a bit complicated.

是的，其实特别清楚。

Yeah, made total sense really.

呼。

Phew.

对。

Yeah.

这周你有什么有趣或者刁钻的问题要问我吗？

So do you have a funny slash scant question for me this week?

当然，我会的。

Of course, do.

很好。

Good.

很好。

Good.

不过你不能说‘当然’，我们还缺一位来电者。

Well, I mean, you don't say of course, we're missing a caller.

这不一定就是原因。

It's not necessarily a cause.

这不是保证，但这周我确实有。

It's not a guarantee, but this week, I do.

好的。

Okay.

很好。

Good.

那是什么？

What is it?

我收到一条邓肯发来的消息。

I've got one from Duncan.

他说：嗨，马丁·刘易斯播客。

He says, hi, MartinLewisPodcast.

谁是阿尔？

Who's Al?

我们这儿没有叫阿尔的人。

We don't have an Al.

我们有个儿子，有张地图，不管怎样，你继续说吧。

We have a son, we have a map, we have anyway, carry on.

感谢整个团队的付出。

Thank you to the whole team for all you do.

我听了好长时间了，每周都听。

I've listened every week for ages.

我都记不清到底有多少年了。

Can't even remember how long for years.

不是《Question Time》这个播客，那个是去年九月才开始的，但主节目早就有了，嗯，我觉得已经超过二十年了。

Not the Question Time podcast because it's only started last September, but the main pod has been going now Yeah, I think I think it's over twenty years.

真的吗。

Wow.

有可能。

Possibly.

也可能不是，我得去查一下。

It might not be, I'll have to check.

你查到了能告诉我们一声吗？

When you do, can you tell us?

我挺好奇的。

Because I'm interested to know

其实一开始根本不是播客，是电台节目，后来才转成播客的。

It wasn't actually a pod originally, it was a radio, it was on the radio, but it's concert and then it turned into the pod.

我去找一下这个信息。

I will find that out.

好的。

Okay.

我来读一下邓肯的问题。

I'll read Duncan's question.

他说，我也听过喜剧演员理查德·赫林这么多年的节目内容。

He says, I've also listened to the comedian Richard Herring's years of output too.

他写过好几本书，里面收集了他所谓的‘应急问题’，用来在采访卡壳时救场。

He's created several books of what he calls emergency questions to help him if he has a blank during an interview.

他最近写的一些问题，我之前问过几个名人，特别感兴趣他们的回答。

What he's written recently is something I've asked a couple of famous people as I'm fascinated by the replies.

所以我想用赫林先生那种方式来问你一下。

So I'd like to ask you in the style that mister Herring does.

好的。

Okay.

马丁刘易斯播客，理查德·赫林。

MartinLewisPodcast Richard Herring.

这挺有意思的。

That's cool.

马丁·刘易斯，假如全世界的博物馆和美术馆联合起来，说：你为公益做了这么多贡献，

Martin Lewis, if all the world's museums and art galleries got together and said, okay, you've done so much for good.

你可以挑一件藏品或艺术品留下，随你处置，

You can choose one artifact or piece of art to keep and do with as you wish.

你会选哪一件？

What would you pick?

接着他又说，非常感谢，抱歉打扰你了。

He then says, many thanks and sorry to bother you.

哦，你根本没打扰我们。

Oh, you're not bothering us.

我很喜欢这个，邓肯。

I like it, Duncan.

我喜欢这个。

I like it.

随口说出来的答案肯定不够好。

Instant off the top of my head answer is a terrible answer.

这纯粹是冲着钱去的。

It's a money answer.

我觉得英国央行博物馆里有一块金条。

I believe there is a block of gold in the Bank of England Museum.

大概重十到十五公斤吧，毕竟不用很大就能有这么重。

So I think it's probably ten, fifteen kilograms, because it doesn't have to be big to be ten, fifteen kilograms.

估摸着值一百多万英镑。

So it's probably worth over a million quid.

不过这么选是不是太俗了？

But that's that's a bit trite, isn't it?

对啊。

Yeah.

好吧。

Okay.

让我想一下。

So give me a second.

哦，我知道选什么了。

Oh, I know what I'll pick.

每当我看到它，几乎都会被它深深吸引。

It's It's the thing that I'm almost always mesmerized by when I see it.

我知道它有些争议，该归哪个国家所有，但它现在就在大英博物馆。

And I know there are issues with it and which country it should be in, but it is in the British Museum.

它就是罗塞塔石碑。

And it is the Rosetta Stone.

你见过罗塞塔石碑吗？

Have you ever seen the Rosetta Stone map?

我没亲眼见过，但我当然知道它是什么。

I've not seen it, but I obviously I know what it is.

所以，罗塞塔石碑最初就是靠它来破解的。

So the Rosetta Stone is what they originally used.

我觉得大概是十八世纪，也可能再晚一点，人们才弄明白象形文字的意思。

I think it was in the eighteenth century, maybe it was a bit later, to work out what hieroglyphics meant.

而象形文字本质上是一种图像语言，不是字母组成的文字系统。

And of course, hieroglyphics was sort of a picture language as opposed to a letter based language.

因为他们发现，石碑的三面刻着相同的内容。

Because on three different sides, they realized it said the same thing.

一面是古希腊文，一面是埃及通俗体文字，那种更接近现代文字的书写形式，另一面就是象形文字。

One side was ancient Greek, one side was sort of Egyptian demotic, which is a sort of script more like modern language and one side was hieroglyphics.

而他们正好懂古希腊文。

And they knew the ancient Greek.

我可能记错了，但应该是这样。

And I think I may have this wrong.

他们对通俗体文字也懂一点，就靠着古希腊文来推断通俗体文字的意思。

They knew a bit of the demotic and they use the ancient Greek to work out what the demotic was.

然后他们就用这两种文字来破解象形文字的含义。

And then they use both to work out what the hieroglyphics were.

如今，有了强大的计算机，这看起来似乎没那么了不起。

Now, in our modern day of huge mass computing power, that doesn't seem so remarkable.

但你想想，当时他们全靠纸笔，仅凭这块巨石上三面短短的文字，就彻底拆解了一种语言，这简直是对人类智慧最了不起的证明之一。

But when you consider they were doing this, the brainpower it took doing this on pen and paper to totally deconstruct a language just by a relatively short piece of text on three sides of this great piece of rock, I think it is just one of the greatest testaments to human ingenuity anywhere in the world.

每当我想到这个，都觉得不可思议，因为我根本不知道从哪儿下手——那些人得有多聪明啊。

And it is staggering when I look at it, because I wouldn't have a clue where to start what geniuses these people must have been.

所以如果博物馆让我挑一件礼物，我不会选金块，我会选罗塞塔石碑，每天看着它，充满惊叹，因为它确实配得上‘奇妙’这个词的每一个含义。

So if I got my gift from any museum, I wouldn't take the block of gold, I would take the Rosetta Stone and I would look at it every day and just wonder because it is wonderful in all senses of the word.

有趣的是，她从来就不下班。

Now the amusing thing is because she is never off duty.

虽然我刚才还以为自己说了一段很漂亮的结语，完美总结了罗塞塔石碑的意义。

Even though I just gave what I thought was a very nice peroration to finish my or at what the Rosetta Stone is.

结果立马收到‘必须服从的罗西’发来的事实核查提醒，说石碑上的文字其实并不是分布在三个不同的面上。

I just got a fact check note from She Who Must Be Obeyed Rosie to say that on the Rosetta Stone, they're not actually on different sides.

我记得它们是在不同面上，不过嘛，记忆有时候确实会骗人。

I remember it being on different sides, but hey, memory can fool you on certain things.

所有的文字其实都在同一面上，上下排列着。

The writing is all on the same side above each other.

所以三种不同语言的文字是并排写在一起的，这才让他们能破解出来。

So they have the writing of the three different languages in a row, which enabled them to do so.

谢谢你的纠正，Rosie。

Thank you for the fact check, Rosie.

虽然没我原先结尾那么浪漫，但毕竟得讲究准确性。

Not as romantic as my ending, but hey, we need to be technically correct.

所以，Matt，我想就这些了吧？

So Matt, I think that's it, isn't it?

对，就这些了。

That's it.

你可能还听得见背景里有窸窸窣窣的声音。

The only other thing you can probably hear the rustling in the background.

还有一件事，既然Rosie在这儿，徽章也在这儿，我想给Rosie发一个徽章，顺便再给你准备一个带回去。

The only other thing is, as Rosie's here and the badges are here, I want to give Rosie a badge and I can give her one for you to take as well.

不过咱们得说清楚，这意味着Rosie比我先拿到徽章对吧？

But you but can we just say technically that means Rosie Rosie gets a badge before I do?

从技术上讲确实是这样，但你只需要

Technically yes, but you just need

过来

to come

到曼彻斯特去。

up to Manchester.

好的，没问题。

Yeah, okay.

不，我很高兴，罗西值得获得这个徽章。

No, I'm delighted, Rosie deserves the badge.

当然可以。

So Absolutely.

罗斯的徽章得用书面致辞来颁发，因为根据播客的规矩，罗斯不能说谢谢，也不能开口说话。

Rosie badge will take a speech in writing, because under the canon of the podcast, Rosie isn't allowed to say thank you or speak.

我敢打赌她此刻正微笑着想：你们真的要把徽章别在罗斯身上吗？

I'm sure she's smiling and saying, are you actually pinning it on Rosie?

我不会把徽章别在她身上，那有安全隐患，而且BBC的保险也不会让我这么干。

I'm not gonna pin it on her because that's a health and safety hazard, and I don't think the BBC's insurance would cover me to do that.

但我真的很想看看她看到徽章时的反应。

But I do wanna see her reaction when she looks at the badge.

好的。

Okay.

罗斯，你能打开信封，把徽章拿出来吗？

So Rosie, could you please open the envelope and pull out a badge?

因为我想描述一下她正在做什么。

Because I would describe what she's doing.

来吧。

Here we go.

我们听到了纸张窸窣的声音。

We could hear the rustling.

她摇了摇头。

She shook her head.

她仔细看了看。

She looked at it.

她又摇了摇头。

She shook her head.

她好像不太买账。

She's not impressed.

她会公开戴出去吗？

Is she gonna wear it in public?

这正是我们想知道的。

That's what we wanna know.

罗西，你会自豪地戴着它上街吗？

Are you gonna wear it with pride on the streets, Rosie?

是的。

Yeah.

她点头了，说待会儿要戴着这个 badge 乘电车去火车站，所以大家如果坐电车，就能看到它了。

She's nodded and she said she's gonna wear it on the tram to the train station after this So everyone, if you're on the tram, you will see the badge.

我希望别人看到我的脸，别以为我是那种‘请给我让座’的老人标识。

I hope people don't see my face and think it's like, you know, they wear the baby on board badges.

就像那种‘我老了，快给我让座’的马丁·刘易斯徽章一样。

It's like a I'm that old, give up your seat for me, MartinLewis badge.

那可就有点让人担心了。

That would be rather worrying.

我也会做一些这样的。

I'll make some of them as well.

这倒是个不错的收尾。

It seems a good place to stop.

本期《问答时间》就到这里。

That's it for this week's Question Time.

别忘了订阅，这样就能知道新一期什么时候更新了。

Don't forget to subscribe so you know when we release a new episode.

我们每周一推出新的一期《Question Time》，周四还会和阿德里安一起推出《Big Topic》播客。

We put out a new Question Time each Monday alongside the Big Topic podcast with Adrian on Thursdays.

你可真幸运啊。

Aren't you lucky?

每周两次省钱妙招，双倍享受。

Two doses of money saving tips and tricks a week.

记得把你的问题发过来。

Do ensure you send in your questions.

你可以发邮件到 MartinLewisPodcast@bbc.co.uk。

You can email MartinLewisPodcastbbc.co.

英国。

Uk.

别忘了，如果你的声音被用在节目里，我们会送你一份买不到、很多人还求之不得的专属礼物。

And don't forget, if your voice is used on the show, we'll send you an exclusive money can't buy and many wouldn't want to.

马丁·刘易斯播客问答环节徽章。

MartinLewisPodcast Question Time badge.

哇哦。

Whoo.

来，马特，喊一声哇哦。

Give me a woo, Matt.

哇哦。

Whoo.

再见了。

Bye bye.

马丁·刘易斯是MoneySavingExpert.com的创始人。

Martin Lewis is the founder of moneysavingexpert.com.

当然，市面上还有其他消费者和比价网站可供选择。

But, of course, other consumer and price comparison websites are available.

如需联系马丁播客的制作团队，可发送邮件至MartinLewisPodcast@BBC.co.uk。

You can get in touch with Martin's podcast production team by emailing MartinLewisPodcast@BBC.co.uk.

播客中提到的优惠和利率均为录制时的有效信息。

The offers and rates mentioned in the podcast are correct at the time of recording.

但如果你是点播收听，最好再核实一下，因为信息可能会过时。

However, if you are listening on demand, it's worth double checking as details can date.

无论你通过什么平台收听，都记得在BBC Sounds上订阅并给我们留个评价。

Remember to subscribe on BBC Sounds and leave us a review however you listen.