问答时间：用 0% 利率信用卡偿还学生贷款？将儿童现金 ISA 转为股票？成功：‘在车辆救援险上节省了 500 英镑！’

你支付的燃气和电费每天都会变动，依据的是当天——通常是前一天——能源公司采购电力和燃气的批发价格。

Literally the price you pay for gas and electricity moves every day based on the current, as in that days, or often the prior days actually, wholesale rates, the rates that the electricity and gas companies are paying for gas and electricity.

一般来说，这个方案表现得还挺不错。

Now generally it actually does pretty well.

我得提一下，Octopus 还有个灵活电价方案，电费每半小时就变一次，更复杂，用得好能省不少，用不好也可能多花不少钱。

I mean I should note that Octopus also has the agile tariff where the electricity charge varies every half hour, and is even more complicated, can be even more lucrative or even more costly if you get it wrong.

咱们来仔细看看这个情况。

So let's just go through this.

目前电费的固定费用平均不到每度25便士，到七月会涨到26便士。

The current unit rates on the standing charge on average for electricity is just under 25p, and that's going to rise to 26p in July.

燃气费是每度5.5便士，七月会涨到7.33便士。

The gas is 5.5p rising to 7.33p in July.

所以你看，电费现在是25便士，燃气费从5.5便士涨到7便士左右。

So you're seeing it's at 25p for electricity, 5 and a half to 7p on gas.

刚才你问这个问题的时候，我顺手点开了官网那个能查看追踪电价实时变动的页面。

If I go and I clicked it up as the question was being asked to the page online that allows me to see the way the tracker rate moves.

去年十月、十一月和十二月，电费几乎一直维持在二十便士出头，比价格上限低不少，所以你其实省了不少钱。

Well, on electricity in October and November and December, it was almost always last year, it was always in the sort of low 20p, so quite a lot cheaper than the price cap, so you gained.

但今年突然不一样了，因为中东局势变化，批发价格一路飙升。

Clearly, then suddenly this year, because of what's gone in The Middle East, wholesale rates have gone up.

今年 electricity 的实时计价，已经好几次超过了价格上限。

So for electricity this year, we have seen quite a number of days where the tracker rate has been higher than the price cap.

当然，也有电费低到十七便士的日子。

We've also seen days where it's been as low as 17p.

我大概看看这张图，做个估算，要是有不准的地方，还请包涵。

I would say probably just looking at that graph, and I'm doing a site estimate, so forgive me if I've got it wrong.

电费方面，平均下来大概在二十四便士左右，有些天高一点，有些天低一点。

On electricity, it looks to be roughly around the current price cut rate of around 24p on average, some days more, some days less.

天然气的价格比当前的上限高了不少。

On gas, it's been quite a bit more expensive than the current rate.

大多数时候都在六便士左右，而价格上限是五点五便士，不过新上限马上要涨到七便士左右，所以现在反而还划算一点。

It's been in the six P's most days when it's 5 and a half P on the price cap, but that's actually cheaper than the new price cap, which is going be around 7 P.

那么，这一切把我们带到了哪里？

So what did- where does all that bring us?

总的来说，在当前这个危机时期，如果你能暂时脱离追踪费率几个月，可能更稳妥，但你做不到。

Where all that brings us is, I think in this current crisis, if you could get off the tracker cap for a couple of months, it would probably be the safer option, but you can't.

Octopus的做法是，我理解他们为什么这么设计：如果你想退出追踪费率，转成固定费率或价格上限，是可以的，但一旦退出，九个月内就不能再回来。

What Octopus does, and I understand why it does this, it says, if you wanna leave the tracker and go to a price cap or go to a fix, you can, but then you can't come back for nine months.

所以你得等上九个月，才能重新申请这个方案。

So you're gonna have to wait nine months before you sign up to it again.

这确实让人很为难。

And that makes it difficult.

我觉得你在电费上并没有多花太多钱。

I don't think you've been overpaying that prohibitively on electricity.

相比价格上限，你确实多付了一点，但不多。

You have been overpaying a little bit compared to the price cap.

我并不是在指责Octopus，这个套餐本来就是按批发价浮动的，他们一直都说得很清楚。

Not actually having a go at Octopus, this tariff does what they've always said it does, it moves with wholesale rates.

总的来说，在四月的电价上限期间，你用的浮动电价可能比电价上限稍微贵一点，主要是因为天然气价格高了一些。

So in summary, the tracker tariff you have probably in the April price cap period, so April, May, June, paid more on the tracker at a guess than you would have done on the price cap, but only slightly more, mainly because of gas prices.

但如果现在的水平和波动性持续下去，中东那边的情况也不会有太大变化。

But if they stayed at the same level as they are now on the tracker at the same volatility and often, you know, what's going on in The Middle East is going on in The Middle East.

只要情况不急剧恶化，我们估计价格大概会维持在当前水平。

And if it continues at that rate, unless it gets far, far worse, we assume it'll stay roughly the same.

现在的浮动电价可能比七月新上调的电价上限还要便宜一点，因为平均涨幅有13%，尤其是天然气，涨幅可能达到26%。

It's probably slightly cheaper than the new July price cap, is going up 13% on average and gas prices particularly, they're going up, I think it's 26.

价格上涨的大部分原因都来自天然气。

So much of the rise is on gas.

所以你现在付的天然气价格，其实比七月电价上限还要低。

So the rate you're paying on gas actually is less on the tracker than on the price cap will be in July.

因此，如果你打算长期留在这个方案里，等市场恢复正常，而不是现在退出、再等九个月才能回来，那七月继续留着其实风险并不大。

So I don't think it's that big a risk to stay on it in July if you're hoping to stay on it long term once things go back to normal rather than having to pay the effective nine month penalty of being off it if you leave it now.

这最终还是看你自己的选择。

It's up to you basically.

说到底，这取决于你对风险的态度。

Long winded way to say it's up to your attitude to risk.

我回听这段录音时，突然意识到我还没提到固定费率套餐。

When I listened back to this, it occurred to me I hadn't mentioned fixed rate tariffs.

我知道有些朋友在想，和追踪费率相比，选固定费率会有什么影响。

And I know some of you will be thinking about what is the impact comparing to the tracker tariff to getting a fix.

不过在录制这段话的时候，说实话，市面上几乎没什么便宜的固定套餐了。

Well, right now at the time of recording, I'm afraid there are very few cheap fixes.

最便宜的固定费率，也只比四月的限价略低一点点。

I mean, the cheapest fix you can get is not much cheaper than the April price cap.

大概便宜1%左右。

I mean, it's about 1% cheaper.

如果你想要稳定，现在就可以锁定一个固定费率。

So you could, if you want certainty, lock into a fix right now.

按目前的趋势看，这个固定费率大概率会比当前的追踪费率更划算。

And the way that it has been going, it looks like that would probably undercut the current prices on the tracker tariff.

但你之所以选追踪费率，本来就是想顺应波动，指望价格能更低，毕竟中东冲突迟早会结束或缓和，能源价格也会回落，那时候追踪费率应该能比最便宜的固定费率更划算。

But, of course, the reason you've got the tracker tariff in the first place is to embrace the volatility and hope that the price will be cheaper on the tracker because, you know, the Middle East conflict is gonna end or reduce, and therefore, those prices will come back down, and then it should be beating the cheapest fixes.

所以我刚才说的，是针对那些已经用追踪费率、清楚自己在做什么、也接受波动的人。

So I was framing this within those people who are on the tracker tariff, know what they're doing, and have got the volatility.

当然，如果你拿不定主意，最简单的办法就是上比价网站，找一个比价格上限还低的最便宜固定费率。

Of course, if you're not sure, then the easy way to make sure you guaranteed save over the price cap is to go into a comparison site and find yourself the cheapest fix.

但我觉得这并不是问题的本意。

But I don't think that was the spirit of the question.

如果真是这样，那我两个答案都给你了。

If it was, well, then you've got both my answers.

你是不是正想着：哎，我本来想问他一个问题来着？

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

那现在就是你的机会。

Well, this is your opportunity.

如果你有问题，就发邮件到 martinlewispodcastbbc dot co dot uk。

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

那你赶紧开始吧，亲爱的马丁。

And please do start them, dear Martin.

不是，亲爱的马特。

No, dear Matt.

亲爱的马丁。

Dear Martin.

亲爱的马特。

Dear Matt.

或者西蒙。

Or Simon.

会不会是西蒙？

Maybe Simon?

西蒙？

Simon?

有意思的是，你稍微打破了原来的格式。

Now interestingly, I think you slightly broke format.

别担心，我不会告诉播客制作人马特的，因为节目里的第二个问题其实算是成功了。

Don't worry, I'm not gonna tell podcast producer Matt, because the second question on the show was actually a success.

通常如果有季度成功案例，我们会把它放在第四位。

And normally successes go in slot number four if we have a quarter with a success.

你却把它放到了第二位。

You put it in slot number two.

所以现在我用上我最拿手的福尔摩斯推理了——你应该是接到一个听众来电了，而且是个正经问题，不是什么成功案例。

So I am presuming at this point, with my best Sherlock Holmes Act, that you now have a caller and it's an actual question as opposed to a success.

我猜得怎么样？

How have I done?

这算是让你稍微了解了我一下。

Little insight into me.

我一直不太擅长遵守规则。

I've never been great with rules.

我更愿意把它们看作是建议，而不是死板的格式要求。

I I see it more as guidelines than a format point.

是的。

Yeah.

所以，我确实决定按自己的方式来，不过我们确实有个听众来电了。

So, yeah, I I I decided to go my own way, but we have got a caller

接下来就是他。

up next.

我猜得对吗？

Am I right?

你有个听众要提问题，对吧？

Have you got a caller who's asking a question?

我们有个听众要提问题。

We got a caller who's asking a question.

来自桑德兰的马修。

Matthew in Sunderland.

你好，马修。

Hello, Matthew.

有什么可以帮您的？

What can we do for you?

很高兴能和您聊天。

Lovely to speak to you.

你好。

Hi.

你最近怎么样？

How are you doing?

先说一下背景，我有三个孩子，一个十一岁，一个五岁，还有一个刚出生的。

So for some context, I have three children, an 11 year old, a five year old, and a newborn.

不过现在我正忙着，哦，谢谢。

But right now, I have Oh, thank you.

这个新生儿刚出生多久了？

How how newborn is newborn, please?

三个月大。

Three months old.

这没什么影响

It makes no difference

回答这个问题其实不重要，主要是为了有个清晰的视觉呈现。

the answer to the question, but only difference just to get a good visual.

是的。

Yeah.

现在事情稍微稳定下来了，你又开始考虑钱的问题了。

Things have settled down now slightly and you start thinking about money again.

好的。

Okay.

不错。

Cool.

关于儿童储蓄账户。

So junior ISAs.

我给每个大孩子都开了一个。

I have one for each of my oldest.

我给11岁的孩子在Nationwide开了一个，给5岁的孩子在达灵顿建筑协会开了一个。

So one for my 11 year old with Nationwide and one with my five year old with Darlington Building Society.

达灵顿建筑协会的那个年利率是3.75%，Nationwide的是2.8%。

The one with Darlington Building Society pays 3.75%, and the one with Nationwide pays 2.8%.

是的。

Yep.

现在我有了第三个，正打算再开一个新的儿童ISA。

So now that I have had this third one, I'm looking at opening up a new Junior ISA.

是的。

Yep.

我想把所有的账户都集中到一个地方管理。

And I kind of wanna manage them all in one place.

是的。

Yep.

我考虑过把所有账户转到达灵顿建筑协会，但那样就没法在线操作了，而且……

So I've looked at moving things to Darlington Building Society, but then I can't manage any of that stuff online and I

得

have to

得一个个打电话过去。

call them all up.

我查了NSNI，现在利率是3.7%，比我现在给女儿的

I've looked at NSNI, which is currently paying 3.7%, which is lower than what my

但它是网上管理里利率最高的。

But it's the top rate with online management.

对。

Yep.

没错。

Yes, it is.

不过还是比我现在给女儿的利率低。

But it's lower than what my daughter is getting right now.

所以我第一个问题是，为了能统一管理，牺牲女儿现在多拿的那点利息，值得吗？

So the first of my two questions is, is it okay to sacrifice that extra bit that my daughter is getting?

方便在一个地方管理吗？

Have it easy to manage in one place?

咱们先回答这个问题吧？

Let's answer that one first, shall we?

在我看来，这个问题的答案是，利率差别只有百分之零点零五。

The answer to that question is in my view, when we're talking about I think it's a 0.05% difference in rate.

是的。

Yeah.

换算成实际金额，就是每1000英镑每年多50便士利息，或者每100英镑每年多5便士。

So let him put in real terms, that's 50p interest per £1,000 a year or 5p interest per £100 a year.

我不清楚你账户里具体有多少钱。

I don't know the scale of magnitude of the type of money you've got in there.

我每个月往每个账户里存30英镑左右。

I put in around 30 a month into each of the accounts.

所以对于这么小的金额来说，纠结这百分之零点零五的差别，其实没必要。

So it probably doesn't make sense with that small amount of money to worry about the 0.05%.

更重要的是，我建议你把所有账户都放在一个方便管理的地方。

Well, also more importantly, I prefer you to have them all in a convenient place.

如果现在存放资金的机构利率下调了，你就不用等上四五个月，还纠结要不要重新安排、把钱转走。

So if the rate that in the place that you've got it in were to drop, it would you're not going to be waiting around four or five months thinking, oh, I need to sort all that out and move it somewhere else.

所有账户都在一处，处理起来要简单得多。

You've got them all in one place, you can do it far more easily.

我觉得，为了方便，哪怕只差0.05%的利率也值得，因为将来万一利率跌到很低，你得转账户时，哪怕只是拖上两三周，也早就抵消了这点微小的利差。

And I think the convenience factor for 0.05% is well worth it because, you know, even a delay of three or four weeks at some point in the future, if the rate were to be pants and you had to move it elsewhere would overcome any very small difference in rate right now.

如果你说的是1%或者1.5%的利率，那你儿子的11岁账户钱放在哪儿了？

If you're talking about 1% or 1.5%, where's your 11 year old's money?

我知道你没提过这个。

I know you've not mentioned that.

在Nationwide，他现在能拿到2.8%的利率，当然低了不少。

With Nationwide, so he's getting 2.8%, which is obviously a lot lower.

是的，这其实正好印证了我的观点——如果你把流程弄得足够简单，他就会一直留在Nationwide，毕竟转Junior ISA实在太麻烦了。

Yeah, and so I think that's quite interesting, because it sort of proved my point, if you forgive me, that if we make it as easy as possible, you've left his money in Nationwide because it's a hassle to move a Junior ISA.

所以为了将来减少转移三个儿童ISA的麻烦，把所有资金集中在一起，只要利率接近最优，我觉得这是个不错的选择。

So having it all in one place to try and reduce the hassle of moving three Junior ISAs in future, it seems a good move for me as long as the rate is very close to being the best buy.

为了减轻你这方面的行政负担，牺牲0.05%的利率完全没问题。

And I think a 0.05% rate sacrifice is absolutely fine to ease that administrative burden on you.

我同意你这么做。

So you have my permission.

我觉得你刚才是在问可不可以，对吧，马修？

I reckon that was a permission question, Matthew.

这种问题我叫‘求许可型提问’——其实你心里早有答案，就是想让别人，比如我，给你个正式点头。

I call permission questions where people sort of know what the answer is, but they just sort of want an external party and me in this case, to give you permission.

如果你问的是这个，那我准了。

If that's what you're asking, you have my permission

去

to

牺牲那0.05%吧。

sacrifice 0.05%.

下一个问题可能就没那么容易了。

The next part of the question might not be so easy.

好的。

Okay.

所以呢，

So

接下来的问题是，这笔钱真的应该放在现金ISA里吗？毕竟时间跨度很长。

the next part is should it even be in cash ISA's at So it's long timeframes.

就算以我11岁的孩子来说，至少也要七年之后才能用上。

We're talking my even with my 11 year old, it's another minimum of seven years until he's gonna get it.

但他将来很可能是用这笔钱付房子的首付，所以时间可能超过十年。

But he's probably gonna be using it for deposits on a house in the future, so it could be ten years plus.

那这样一来，它真的适合放在现金账户里吗？

So then it's should it even be in cash?

说实话，我刚听到你这个问题时，第一件事就是用红笔在纸上写下来——股票！！！

Well, if I tell you the first thing I wrote down on the piece of paper when I heard your question, I have and it's a red pen, I have no idea why it says shares exclamation mark exclamation mark.

我也是这么想的。

So I'm thinking exactly the same way.

我以前在问答环节也说过，我觉得父母真的得明白这一点。

I've said this before in question time, but I think it's really important for parents to understand.

投资的黄金法则就是：把那些短期内用不着、打算长期存放的钱拿去投资。不同人说法不一样，有人说是三年，有人说是五年，我倾向于五年；比我更不怕风险的人可能说三年就行。但对你大孩子来说，最少得七年，对你小的孩子，最少得十七年九个月。

The golden rule for when you should invest is money that you don't need that you're putting away for a long time, depending on who you listen to three years or five years, I'm a five year people who are slightly less risk averse than me will say three years, you're talking minimum seven years for your oldest, minimum seventeen years and nine months for your youngest.

在时间维度上，你完全符合要求。

On the time equation, you're absolutely passing it.

至于这笔钱你需不需要用——

On the, do you need the money?

儿童ISA的规定是，这笔钱被锁定，孩子自己碰不了。

Well, the rule in a junior ISA is this money is locked away and they cannot touch it.

所以，他们现在根本用不上这笔钱。

So they certainly don't need the money right now.

如果你真需要这笔钱，压根就不会把它存进去。

Well, you wouldn't be putting the money in there in the first place.

所以我常这么说，除非你给孩子开Junior ISA的时候他已经17岁了，而且一年后就要用钱，否则在大多数情况下，人们都该更倾向于投资而不是单纯存钱。

Which is why I often say that junior ISA is one of those really unless you're starting it for a 17 year old is gonna get money in a year is one of those really obvious areas where people should be biased towards investing more than saving.

我说这话是因为我知道，很多人对在这个国家投资感到担心，总觉得该保守一点。

Now, I say that phrase because I know people get worried about investing in this country, biased towards more.

另外我也得提一下，Junior ISA其实分两种：一种是股票型，一种是现金型。

Because it's also worth me saying you can have a Junior ISA shares and a Junior ISA cash.

每种类型你只能选一个。

You can only have one of each.

所以一个孩子只能有一个现金型Junior ISA和一个股票型Junior ISA，但两者可以同时拥有，只要全年总投入不超过9000英镑就行。

So one child can only have one Junior Cash ISA and one Junior Shares ISA, but you can have both as long as you don't put more than £9,000 in both in total.

也就是说，每年在Junior ISA上的总投入上限是9000英镑。

So it's a maximum £9,000 in Junior ISA in one tax year.

所以你真正的问题是：该把全部资金都转成股票，还是只转一部分？

So your question really is, do you shift it all to shares or do you shift some of it to shares?

这其实取决于你对这笔钱用途的定位。

And that really is probably fits into your attitude to what this money is for.

如果这是你给孩子唯一的资金，也是你为孩子攒钱的全部指望，我能理解大家会更倾向于保守一点。

If this is the only money you're giving them and this is the nest egg you're trying to build your kids fund with, I know people are get more risk averse on it.

但从长远来看，我个人还是会倾向于多投点股市。

Personally, I'd be tempted over that long time period.

如果你把钱分散投到广泛的资产里——我引用的是以前节目中请过的专家意见，不是我的个人建议——建议选一个覆盖全球大型企业的宽基指数基金。

You know, if you're putting it in a, in a broad spread of investment, and I quote experts we've had on the show before, not my advice, you know, go for a big broad global index tracker, that's tracking thousands of the world's biggest companies.

它只是跟踪整个市场的表现，把股息也自动再投资，七到八年下来，从概率上讲，这种做法大概率会比存现金更划算。

So it's just monitoring the performance of the market, and getting those dividends added in and all of that, over seven to eight years on the balance of probabilities.

我明白这种说法的意思：我不能保证一定赢，只能说根据历史经验，股市回报大概率会超过现金储蓄。

And you understand that phrasing, I can't say it will, I can only say on the balance of probabilities, It's more likely than not based on what generally happens that that shares investment will outperform putting the money in cash.

那你现在是怎么想的？

So what you're thinking?

我在想怎么说服我老婆，看看那些低费率的股票型JSA，比如Hargreaves Lansdown这种老牌靠谱的平台。

I'm thinking try and convince my wife to look at some low fee stocks and shares, JSA, that will maybe like Hargreaves lambs down or something where they've been around for a very long time and you can trust them.

ISA并不是完全这么回事。

ISA doesn't have Exactly.

说实话，大平台的风险其实很低。

And honestly, the platform risk is pretty limited with major platforms.

真正的问题是，投资是涨还是跌。

The issue is the issue is will the investment go up or down?

就这一个问题。

Nothing else.

她很担心，其实你可以先从一半一半开始试试。

I mean, she's concerned, and know, why don't you could probably start with a half half.

好的，明白了。

Right, okay.

我不是说你非得这么做，但咱们得调整人们对风险的态度。

You know, I'm not saying you should do that, but I'm saying we have to manage people's attitudes to risk.

如果你老婆担心，有个简单办法：你每个月给每个孩子30英镑，为什么不把15镑放现金，15镑放股票ISA呢？

If your wife's concerned, an easy way is why, know, you're giving each child £30 a month, why not give £15 in your cash and £15 in the shares ISA?

这其实不重要。

It doesn't matter.

你先试着开始，看看效果如何，除非你决定直接全押。

You know, start it off and see how it goes, unless you decide to go the whole hog.

但没必要非得一下子全投入。

But don't feel you need to go.

我不是从财务角度说的，而是从心理舒适度的角度来说的。

And I don't say this from a financial perspective, I say this from a psychological comfort perspective.

如果这是你第一次尝试这种方式，别一上来就逼自己做到极致。

If this is a new and a different way for you to be, don't feel you have to go the whole way at the start.

我觉得最重要的是先试探一下，用你觉得安心的方式慢慢来。

It's I mean, the most important thing I would think is start to dip your toe in that water and do it in a way that you're comfortable with.

我平时存的钱全放在袜子和椅子底下，但给孩子存钱的感觉完全不一样。

Well, so all of my personal money that I put away for a long time is all in socks and chairs, but it feels different for children.

我妻子就是在这点上觉得不安——我们知道自己存的钱用不上，可一想到用孩子的钱去冒险，就有点过意不去。

And I think that's where the issue has come with my wife where our money putting it away, we don't we know that we're not gonna need it, but putting their money in feels slightly wrong to risk it.

咱们还是回头说说。

But let's go back.

他们成年之前用不了这笔钱，因为不到18岁是取不出来的。

They can't need it until they're 18, because you cannot get that money out until they're 18.

我们不是说非得永久投资，只是说在孩子小时候把钱投出去，而你最小的孩子，这笔钱至少要锁定将近18年。

So, we're not saying they have to permanently invest this, we're only talking about investing it while they're a child and your youngest has nearly eighteen years of that money to be locked away.

除非你当初——是的。

Now, unless you were- Yeah.

那段时间确实特别不走运，这种情况当然可能发生，但总体来看，长期持有股票类资产，收益大概率会比放现金强，当然前提是分散投资，不是押在某一只股票上，那种风险太高了。我得小心措辞，但凡是我认识、有关系的孩子，我都会建议他们选股票型ISA。

It was a very unlucky period, and that's always possible, the likelihood is the outcome will be better being in shares than in cash over that length of time, in a very broad spread of investments, obviously not in an individual share or something like that, where you've got high So I want to be careful what I say, but certainly for any children I'm connected to or know, where I have a familiar relationship with, so that's not just my own, that's that's other, I'm always, I would always push towards a shares ISA.

谢谢你，Matt，希望这些对你有帮助。

Thank you Matt, I hope that's helpful.

祝你和你妻子，还有家里的大孩子们，新生儿降临，一切顺利。

I wish you the best and congratulations to you and your wife and the elder siblings on the newborn.

让我们

Let us

告诉马修你最终的决定。

know what you decide to do, Matthew.

我回头给你发封邮件。

I'll drop you an email back.

太棒了。

Legend.

再见。

Bye.

这可真是挺有意思的。

Now that was very interesting.

接下来是西蒙，我们现在按流程来，我知道你也在按流程走。

So Simon, next, and we are following format now, I know you're following format.

这是个有点刁钻的问题，有趣的问题。

This is the askance question, the funny question.

如果你有任何不完全是关于主题的问题，随便什么都行。

And do if you have a question for me that's not purely on topic, it can be on anything.

比如说，刚开始的时候，我会想：我更想跟谁打一架？

I mean, the early days, it was who would I rather fight?

你知道吗，是选一匹马那么大的鸭子，还是十二只鸭子那么大的马？

Know, a horse sized duck or 12 duck sized horses.

所以，除了正常的问题，任何你想问的都可以发到 martinlewispodcast bbc dot co dot uk。

So anything you like, do get them in touch on as well as your normal questions too, at martinlewispodcast bbc dot co dot uk.

这周你给我带了什么问题？

What have you got for me this week?

我们今天这个有趣的问题、冷门的问题，或者特别的问题是什么？

What is our funny question or a scance question or different question?

是的，尼尔，他把握住了正确的语气。

Yeah, Neil, I think has really got the tone right here.

他写道：亲爱的马丁、马特、罗斯ie、西蒙和马特。

He has asked, dear Martin, Matt, Rosie, Simon and Matt.

他还希望没有漏掉任何人。

And he hopes he hasn't missed anybody out.

那编辑汤姆呢？

What about editor Tom?

是的

Yeah.

可惜啊，汤姆你被漏掉了。

Well, Tom, you've missed out, sadly.

编辑汤姆是他们的上司。

Editor Tom is all their boss.

是的

Yeah.

我觉得他得批准这次加薪

And I think he has to sign off an AP rise

给我批的。

for me.

那我们就留着吧。

So we'll keep it.

编辑汤姆是马特、西蒙和马特的上司。

Editor Tom is Matt, Simon, and Matt's boss.

说实话，我是罗斯的上司。

I am Rosie's boss, if we're being honest about it.

而我的上司是公众。

And my boss is the general public.

尼尔目前没在上班，于是决定利用空闲时间挑战步数目标，真不错。

Well, Neil is in between jobs and has decided to use some of his spare time embarking on a steps challenge Nice.

他打算在六月一整个月完成一百万步。

Specifically attempting to do 1,000,000 steps in the month of June.

他有两个问题想问。

He has two questions related to this.

你一个月最多走多少步？

What's your monthly step record?

我是在健身器材上走步，这样能保护双脚，还能一边走路一边看板球比赛。

And I'm doing my steps on the cross trainer as a way of saving my feet and also watching the cricket whilst I get my steps in.

我朋友觉得这算作弊，我想知道你们怎么看？

My friends consider this cheating, but I wanted to know if you agreed or not.

来自西北伦敦的尼尔。

Neil in Northwest London.

附注：如果我问一个跟消费金融无关的问题，我还算不算ESQ？

PS, am I still regarded as an ESQ if I send a nonconsumer finance related question?

实际上，那一下子提了三个问题。

Well, that was actually technically three questions.

对，说得对。

Yeah, good The

PB提的那个算一个问题。

PB asked was a question.

是的，没错。

Yeah, yeah.

那我们先回答最后一个。

So let's answer the last one first.

你 definitely 在SQ里，而且我很喜欢你这个问题。

You are definitely in the SQ, and I really like your question.

谢谢你，尼尔。

Thank you, Neil.

西蒙，趁我查一下数据的时候，咱们来点播客小插曲怎么样？

Can we just do a bit of magic of podcasts while I check my stats record, Simon?

我查过了，因为我有个表格记录了所有步数，还会写一篇关于老师的博客。

Okay, so I have checked because I do a spreadsheet of all my steps, and then I do a blog on the teacher.

所以用我这种极客的方式，查每月步数记录其实挺简单的。

So it's actually quite easy for me in my nerdy way to check my step monthly record.

去年我走了854,276步，但我的最高纪录是850,833步。

I did 854,276 last year, but my record ever was 850,833 steps.

这两个月的日均步数都差不多是27,500步。

They're both in a daily average of around 27,500 steps for that month.

对关心距离的人来说，这相当于多少公里呢？大概七百五十多公里。

And for those who like distances, what's that seven fifty odd kilometers it equates to?

也就是说，这个月走了大约五百英里。

So about 500 miles in the month.

别人可能觉得这太离谱了。

People are thinking what this is ridiculous.

我以前多次聊过我的步数。

I've talked many times about my steps before.

去年一整年，我每天平均走了两万六千多步。

Last year, I managed to average over 26,000 a day for the whole year.

所以一百万步可不是个小数目。

So a million is a lot.

我的意思是，那一个月真是够累的。

I mean, that's a heavy month.

我从来没走过一百万步，因为我一向步数稳定。

I've never done a million because I tend to I'm a consistent stepper.

我不喜欢突击走步。

I don't binge my steps.

我一向步数稳定。

I'm a consistent stepper.

至于椭圆机上的步数，我很多步数都是在上面走的，因为我家里有台椭圆机。大多数早上如果我不出去跑步——我每周也就跑一两次，膝盖受不了跑步的冲击——我就会用椭圆机。

As for steps on the cross trainer, some of my steps, because I have an elliptical at home, and my first forty minutes most mornings, if I don't go out for a run, I run once or twice a week, but my knees can't cope with the running.

我就在椭圆机上锻炼。

I do it on the elliptical.

有些人可能不太了解，那种机器是让你像跑步一样动起来，但动作特别平滑，不会对膝盖造成冲击，同时还能活动双臂。

For those who don't know, that's the one where you sort of, it's like a smooth way of running that stops the impact on your knees where you're moving your arms.

我完全认为这些步数算数。

I absolutely think those are legitimate steps.

不过通常它们会被算得少一点。

They tend to count less.

如果你在跑步机上走，大概每分钟能走一百五到一百六十步。

If you go on a treadmill, you'll be getting around 150, 160 steps a minute.

要是用椭圆机，大概每分钟一百三十步左右。

If you're running elliptical, it's around 130 steps a minute.

要是户外跑步，差不多能到每分钟一百八十步。

If you're running outdoors, it's around 180 steps a minute.

计数通常会少一点，而且跟手的位置有关，不像真正跑步那样。

Tends to count less, and it depends where you position your hands than actually running.

但我认为这确实算是在迈步，椭圆机的动作相当于走路的步伐。

But I do think you are doing steps, elliptical move is a step equivalent.

这跟跑步是等效的，而且比散步更耗能。

I mean, it's an equivalent to running, and it's more energetic than walking.

比如说你做烘焙、揉面团的时候也在走动，我觉得这有点儿算投机取巧。

I mean, you were getting your steps for baking, let's say, and rolling dough, I tend to think that is a bit of a cheat.

当然了，如果只是做二十分钟，倒也没什么大问题。

Certainly, I mean, if you're doing it for twenty minutes, it's not really a problem.

但要是每天都这样，像我一个做面包的朋友，老说他步数多，整天揉面，我觉得这比起去健身房锻炼，更像是在刷步数。

But if you were doing that every day, like a baker friend of mine who claims to get lots of steps, who rolls dough a lot, I think that's probably more cheating than actually getting yourself on the exercise equipment in the gym.

而且像我这样太在意这个的人，反而不太愿意骑车，因为骑车不算步数。

And when you become obsessed by this as I am, I actually tend not to cycle because you don't get steps cycling.

我甚至试过把健身追踪器绑在脚踝上，好让它能算上步数。

I've even tried putting the fitness tracker around my ankle to get the steps.

所以我不太想骑车，因为骑车算不了步数。

So it puts me off cycling because I don't get my steps.

尼尔，我绝对不想让你因为觉得椭圆机不算步数，就不愿意做有氧运动了。

So the last thing I want to do Neil, is put you off getting your cardio in on your elliptical by saying your steps don't count.

尼尔的朋友，别纠结这个了，好吧？

So to Neil's friend, leave it, all right?

别管它了。

Leave it.

就别较真了，老兄。

Just leave it, mate.

接下来从荒唐到更荒唐，你的每分钟步数是多少？

And now from the ridiculous to the ridiculous, what's your PPS?

还没听过这段的听众注意了，节目制作人西蒙的PPS，我们也觉得是‘后后记’的意思。

So for those who haven't heard this bit, podcast producer Simon, PPS, we also think is the post postscript to the show.

西蒙的任务就是想点完全不一样的东西，来给节目收尾。

So Simon is charged with coming up with something totally different to end the show with.

你打算用什么来收尾这个节目？

What have you got to end the show?

这是一档播客。

It's a podcast.

我这就要越界了，有点超纲了。

I'm gonna get up and get above my station.

这不是一档节目。

It's not a show.

这是用来给播客收尾的播客内容。

It's a podcast to end the podcast with.

听过《大议题》播客的人都知道，每期最后我们都会向阿德里安提一个问题。

Well, so people who listen to the Big Issues podcast will know there is a mastermind at the end where we ask Adrian a question.

我想稍微揭开一点播客制作的神秘面纱，这个环节其实有两层意思。

And I think to show a little bit of daylight onto the magic of podcasting, there's kind of a dual feature to that.

首先，它本身就很舒服。

First of all, it's just nice.

问阿德里安问题挺有意思的，同时也让你能悄悄带出一个额外的话题。

It's a bit of fun to ask Adrian a question, but also it's a way for you to sort of sneak in an extra topic.

这正是它存在的目的。

It is exactly what it's for.

它的作用就是让我能以另一种方式引入新话题，让听众更投入。我总希望听众在家时也自己试着回答，不管答对答错，都能想想我为什么选这些问题。

It's to get me in an extra topic and a different way that people can engage with, and I always hope people are answering the question at home themselves, and then if they get it wrong or right, they're thinking about why I picked those.

这些问题都有个转折，一个出人意料的转折，这才是关键的学习点。

All of those questions, they have a twist, an unexpected twist, which is an important learning.

我问这个问题可没什么隐藏的意图。

Now, there is no hidden agenda to my question.

我就是单纯想问这个，没别的目的。

I've got nothing beyond that.

但我可没在搞什么头脑风暴。

But I'm not doing a mastermind.

没错。

No.

你确实不是。

You're not.

没错。

Exactly.

你没在搞什么精英小组。

You're not doing a mastermind.

很好。

Good.

你是在搞精英小组。

You're doing a mastermind.

我们没必要再深入讲别的了。

We don't need to get into any extra detail beyond it.

我不太喜欢这样。

I'm not sure I like this.

我们合作已经很久了。

We've worked together quite a long time.

我本来以为我会

I've thought I would

测试一下。

test.

我觉得我们

I I think I think we're

挺到位的。

well in

正好踩中了点。

the mark.

我对你有多了解？

How well I know you?

是的。

Yeah.

问题是，这

The question That's is

好吧。

alright.

没关系。

That's alright.

我又不是非得跟你结婚。

I'm not married to you.

我搞错了也没那么糟。

I I it's not the worst if I get it wrong.

这些工作里，我哪一项都没做过？

Which of these jobs have I never done?

好的。

Okay.

A，吊灯安装工。

A, chandelier installer.

我只觉得那些傻瓜才会去干这种事。

I'm thinking only fools of horsing.

去吧，小子。

Do it, Boy.

我准备好了，德尔小子。

I'm ready, Del Boy.

行了，格伦迪德。

Alright, Grendead.

继续吧。

Carry on.

B，人体雕塑。

B, human statue.

或者C，肖像模特。

Or c, portrait model.

所以我已经做过这三件事里的两件了。

So I've done two of those three things.

我觉得你肯定当过肖像模特。

I think you've definitely been a portrait model.

因为我就觉得，西蒙在大学或者毕业后，可能会说：‘嘿，站那儿当个模特，还能挣五十镑呢。’

Because that's the type of I can see Simon at uni or post uni saying, oh, I'll get paid £50 to stand there and be a portrait model or whatever it is.

我的意思是，就算你得脱光衣服，我也不觉得奇怪。

I mean, even if you had to take your clothes off, that wouldn't surprise me.

所以现在是在人体雕塑和吊灯安装工之间选。

So it's between human statue and chandelier installer.

吊灯安装工这事儿太突然了，反而让我觉得你真干过；而人体雕塑嘛，跟肖像模特差不多，你可能只是随口一提。

Chandelier installer is so random that that makes me think you may have done it, whereas human statue I think is a bit similar to portrait in, you may have just thrown that in.

我实在想象不出你会站在街头当人体雕塑，那根本算不上正经工作，对吧？

I can't see you doing the standing in the street human statue and it isn't really a job, is it?

那更像街头卖艺那种事儿。

It's a sort of it's the things like a busking thing.

所以我猜是吊灯安装工。

So I'm thinking chandelier.

所以我正偷偷瞄一眼罗斯。

So I'm glancing over at Rosie.

现在罗斯正在实时核对我的说法，她在播客里扮演着关键角色，但按设定，她从不开口说话。

Now Rosie who is fact checking me live as we're going and plays a brilliant part in the podcast, but in the canon of the podcast, never speaks.

罗斯，你同意还是不同意我把‘吊灯安装工’和‘肖像模特’作为选项？

Rosie, do you agree or disagree with my choice of chandelier installer and portrait?

你不同意？

You disagree?

明白了。

Okay.

那在这三个里，你觉得他最不可能做过哪一个？

So which which one of the three do you think he hasn't done?

好的。

Okay.

所以罗斯觉得他没做过吊灯安装工和人体雕塑，而我觉得他没做过肖像模特。

So Rosie is therefore going for chandelier installer and human statue, and I'm going for chandelier installer and posed for a portrait.

尽管罗斯擅长核实事实，但她查不了我的简历。

Well, for all her fact checking skills, Rosie cannot fact check my CV.

这对你来说简直是福音啊，马丁。

It's a hallelujah for you, Martin.

没错。

Yes.

所以呢。

So

挑灯安装工我懂，那幅肖像呢？你给谁画的？脱衣服了吗？

chandelier installer I get, that would tell the portrait, who did you do it for and did you take your clothes off?

我主动提出脱，他们说不用，穿着就行。

I offered, they said no, keep them on.

没脱。

No.

你肯定是多花钱才让衣服留着的，我了解你。

You probably paid extra to keep them on, I've met you.

是的。

Yeah.

那是我背包旅行的时候，看到一则广告，五十块钱，去就行，结果是一群退休老人组成的温馨小团体。

It was when I was backpacking, I saw an advert, $50, yeah, turn up, but it was a lovely sort of group of retired people.

我坐在那儿看了两个小时，他们画了不少漂亮的作品。

I sat there for two hours, They painted some nice pictures.

真不错。

How lovely.

那你有没有摔过吊灯？

And did you ever drop a chandelier?

没有。

No.

安装吊灯的第一条规矩：一定要格外小心。

First rule of chandelier installing, be very careful.

安装吊灯的第二条规矩：从不谈论安装吊灯的事。

Second rule of chandelier installing, we never talk about chandelier installing.

Simon，你刚违反了第二条规矩。

You've just broken the second rule, Simon.

全都结束了。

It's all gone.

我现在没法再回头了，是的。

I can't go back to it now, yeah.

明白了。

Right.

节目到此结束。

Pod over.

本期《问答时间》就到这里。

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

别忘了订阅，这样你就能知道新一期什么时候上线了。

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

我们每周一更新一期《问答时间》，周四还会和阿德里安一起推出《重大话题》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?

每周两剂省钱小妙招，保证让你省不少。

Two doses of money saving tips and tricks a week.

记得把你的问题发过来。

Do make sure you send in your questions.

可以发邮件到 MartinLewisPodcastbbc.co。

You can email MartinLewisPodcastbbc.co.

下周一 Matt 就回来啦。

Uk and Matt's back next week.

所以记得只把问题发给 Dear Martin。

So do make sure you only send them to Dear Martin.

如果你上节目，我们会送你一个专属的 Martin Lewis 问答环节徽章。

And don't forget, if you come on the show, we'll send you an exclusive Martin Lewis podcast question time badge.

谁不想拿一个呢？

Who wouldn't want that?

另外，别忘了在你听播客的平台给我们留个评价。

Oh, you could always leave us a review on wherever you choose to listen to the podcast too.

保重。

Take care.

马丁·刘易斯是省钱专家网站的创始人。

Martin Lewis is the founder of money saving expert dot com.

当然，其他消费者和比价网站也很多。

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

你可以通过邮件 martinlewispodcast@bbc.co.uk 联系马丁播客的制作团队。

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在录制时是准确的。

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.

无论你在哪里听，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.