问答时间：卖房所得的钱该放在哪里？消费者权益被纠正！如何与伴侣谈论金钱？

《问答时间》这个播客特别亲切。

Question Time podcast is intimate.

我们这档播客里，大家都彼此熟识。

We all know each other in this podcast.

事情挺复杂的，有时候还有点绕。

It is quite complicated, and it can be a bit convoluted.

信号不好也不会惩罚你。

You do not get punished for poor signal.

你的徽章肯定能拿到。

You will still definitely get your badge.

你问得真是时候。

You've asked at a very fortuitous time.

非常感谢你打来电话，obrigado。

Thank you so much for calling, obrigado.

谢谢邀请我参加。

Thank you for having me.

如果别人都没做，那Question Time团队就做了。

If no one else is doing it, the Question Time crew were.

大家好，欢迎收听这个巧妙命名的《马丁·刘易斯播客》。

Hello and welcome to the cunningly named the MartinLewisPodcast.

我一直在想，这期节目到底会聊些什么。

I do wonder what that's gonna be about.

这是我们的Question Time特辑，你们可以问任何问题——当然，得在合理范围内。

And this is our Question Time edition where you get to ask me your questions on absolutely anything and everything, open brackets, within reason, close brackets.

这周你们问我，如果还在十四天冷静期内，我能不能放弃现在的合约，转投新服务商？

This week, you asked me, can I ditch my new fix to move to a new provider if I'm still within the fourteen day cooling off period?

卖了房子后，一大笔钱该放哪儿？

Where do I put a big lump sum after a house sale?

我突然想通了一个理财道理，但我的伴侣还没意识到。

I had a financial light bulb moment, but my partner isn't seeing it.

我该怎么办？

What do I do?

最后，我们来纠正一个消费者权益方面的错误。

And finally, we write a consumer rights wrong.

播放主题曲。

Play the theme tune.

大家好，欢迎收听我们节目中的问答特辑。

Hello, and welcome to the Question Time edition of our podcast.

很高兴有你一起参与。

It's lovely to have you on board.

这部分就是你可以问我任何问题的地方，开括号，合理范围内，闭括号。

This is the bit where you can ask me anything and everything you like, open brackets, within reason, close brackets.

像往常一样听节目的朋友都知道，我可不是一个人在做这个。

And as regular listeners will know, I do not do this by myself.

哦，天哪。

Oh, no.

可别让蒂什·托什插手了。

Heaven forbid Tish Tosh.

今天我请来了负责收集问题的专家。

I am joined by the curator of questions himself.

我们德高望重的制作人，马修·伯恩汉教授，博士，爵士，先生。

Our venerable producer, Professor, Sir, Doctor Matthew Burnham, Esquire.

你好。

Hello.

我不明白刚才那句有什么好笑的。

I don't know why that was funny.

就是你那声‘你好’啊。

It was your hello.

你好。

Hello.

嗨，马特。

Hello, Matt.

我每次都要说明一下，这些头衔在我们播客的世界里都是正经八百的，但出了这个圈子，全是编的。

And as I always do need to say, all of those titles are absolutely official within the canon of the podcast, but completely made up outside the canon of our podcast.

马特，我有个消息要告诉你，你一定会兴奋的。

Now, I wanted to tell you something that will excite you, Matt.

哦，你肯定会喜欢的。

Oh, go You'll like this a lot.

哦。

Oh.

我那13岁的女儿萨法最近开始听《Question Time》这个播客了，因为我给她听了几段，她挺喜欢，现在就自己主动听了。

So my wonderful 13 year old daughter, Safaa, has started listening to the Question Time podcast because I played her some bits from it and she liked it, and she now listens off her own bat.

真的吗？

Oh, really?

是啊。

She does.

上周五，我想我可以跟大家说了，我们通常周四录《Question Time》。

And on Friday, I think I can tell people, we record Question Time on a Thursday.

对，没错。

We do.

星期五早上，马特会发一份音频给我，让我听听看有没有什么需要调整的地方。

Matt Avits on a Friday morning sends me a copy to listen just in case there's anything in it.

我就是想确认一下，万一刚才说错了什么，还能及时改过来。

I just want to go, Oh, oh, I might have suddenly realized I said that wrong or something like that.

然后我给他提点小建议，事情就完了，我们周一就把节目放上去——你们肯定都听过，因为你们一直在听嘛。

And then I give him a little couple of notes and then it's done and we put it up on the Monday, which you will all know because you listened to.

那天周五我听完播客后，就打电话给马特反馈一下，当时还开了外放。

Well, on the Friday, I had listened to the podcast and I called Matt to do a bit of feedback and I had you on speaker.

我正坐在厨房里，萨法尔走了进来，我们聊了几句，我顺手把电话放下了，她抬头问：‘那是马特吗？’

I was sitting in the kitchen and Safarid walked in and we had a little tap and I put it down and she looked up and went, was that Matt?

那是马特吗？

Was that Matt?

她特别兴奋，没想到打电话的居然是播客里的马特本人。

Was quite excited that that was Matt from the podcast who was on the phone.

马特，我觉得在咱们播客的宇宙里，我是不是该开始叫你‘唯一一位名人教授’了，先生，博士？

Within, I think Matt, within the canon of the podcast, maybe I should start calling you the one and only celebrity professor, sir, Doctor.

马修·伯纳姆先生。

Matthew Burnham, Esquire.

公平起见，啥头衔我都接。

I'll take anything to be fair.

你随便给我啥称号我都乐意接受。

You can give me any titles and I'll gladly have them.

真贴心啊。

That's so sweet.

是啊。

Yeah.

是不是挺好的？

Isn't it nice?

对啊。

Yeah.

希望你别介意我这么说啊，亲爱的，你现在应该正在听吧。

I hope you don't mind me saying that, darling, because you're probably listening now.

好了，咱们继续说说感谢吧，亲爱的。

Anyway, let's get on with the Thanks, darling.

致我的女儿。

To my daughter.

当然不是你，马特。

Obviously, not to you, Matt.

没错。

Yes.

我们要不要来个问答环节？

Should we do a question?

好啊。

Yeah.

我们先从罗斯的提问开始吧。

Let's We'll start with one from Ross.

他发邮件到 martinlewispodcast@bbc.co.uk 了。

He's emailed it in to martinlewispodcast@bbc.co.uk.

他开头说，亲爱的马丁和马特。

He starts, dear Martin and Matt.

太好了。

Great.

不错。

Fine.

很喜欢。

Love it.

你明白了吧？

You see?

不明白。

No.

挺好的。

It's good.

不明白。

No.

不对。

No.

不错。

Good.

是的。

Yep.

现在这已经是标准格式了。

That's standard format now.

我本可能赢下这一局的。

Could have been I've won that battle.

这是马丁和

It's Martin and

马特和

Matt and

马特和马丁。

Matt and Martin.

我已经赢了。

I've won it.

这事结束了。

It's over.

已经办妥了。

It's done.

我觉得这才是正确的做法。

And I think that's the right format.

他说他有个问题，关于在上一次换能源的冷静期内切换能源的事。

He says I have a question about switching energy during the cooling off period of a previous energy switch.

我们家只用电，一直用这家能源公司，虽然他们的电价是浮动的，但一直低于政府设定的价格上限。

We have an electric only and have been with home energy because even though it's a variable tariff, they price under the price cap.

我每次在比价网站上查，都发现他们是最便宜的。

So it's always been cheaper than the cheapest fix when I've checked on a comparison site.

我插一句。

Quick interruption from me.

是的

Uh-huh.

完全正确

Absolutely right.

我们一直都在说要摆脱价格上限

Now we always talk about getting off the price cap.

价格上限 tariff 指的是任何标准的浮动费率，也就是能源公司最普通的默认套餐

A price cap tariff is any standard variable tariff, the bog standard default tariff that an energy provider has.

但 Home Energy 不一样，他们的标准浮动费率实际上比价格上限还要便宜

But home energy is a different player because what it does is its standard variable tariff is actually much cheaper than the price cap.

虽然是浮动的，价格会变，但到目前为止，它一直比价格上限低不少

So it's variable, the price can move, but it has tended so far to be a lot cheaper than the price cap.

所以在价格上限体系下，它算是个特例，不过你得接受它是浮动的

So it's sort of the one anomaly under the price cap, but you have to accept that it is variable.

不过我得说，确实有不少时候，市场上有比 Home Energy 更便宜的固定费率套餐

Now I have to say there are quite a number of times when there have been cheaper fixed tariffs than home energy available.

当然不是罗斯最近在关注的那段时间，不过你说得对。

Obviously, not the time that Ross has been checking, but yeah, quite right.

我平时总说价格上限是个‘坑’。

Normally, I talk about the price cap being a pants cap.

目前家能能源的价格上限其实算不上坑，因为它本质上就是一个便宜的浮动电价。

The home energy price cap currently, and they could change it, currently is not a pants cap because it's basically just a cheap variable tariff.

你接着说吧。

Do carry on with the question.

抱歉打断你了。

Sorry for interrupting.

没关系。

That's okay.

不过他接着提到，七月预计价格上限会大幅上涨，一些公司

He goes on to say, however, following the predicted big rise to the price cap in July, and that some firms

目前预计上涨13%。

Currently 13% predicted.

好的。

Okay.

我打断你了。

I'm interrupting you.

是的，你确实打断了。

You are.

我知道。

I know.

对。

Yeah.

这不正常，斯坦，但我还是这么做，就为了让你继续说下去。

It's not normal, Stan, but I'm gonna do it just for Keep going.

而且有些公司最近推出了更便宜的固定电价方案。

And that some firms have recently released some cheaper fixes.

我又查了一遍，发现EON有个13个月的固定方案，比我们现在付的还要便宜一点。

I checked again and found that EON had a 13 fix that was slightly cheaper than what we're currently paying.

所以我选了这个。

So I went with this.

我想问一下，如果在我还在十四天冷静期内，出了个更便宜的方案，我能直接换回EON，不用付提前解约费吗？还是说，我得先取消和EON的合约，再回到Home Energy，然后重新从Home Energy发起一次切换，才能避开EON的解约费？

My question is, if an even cheaper fix came out while I'm still within the fourteen day cooling off period, could I switch again directly with EON without having to pay an early exit fee, or would I have to cancel with EON, go back to Home Energy, then start a new switch from Home Energy to avoid paying the early exit fee with EON?

如果我能直接从EON切换，那这个新切换只需要在十四天冷静期内启动就行，还是说必须在冷静期内完成才算？

And if I can switch directly from EON, would the new switch just have to be started within the fourteen day cooling off period to avoid the early exit fee, or would it have to complete within the cooling off period?

不行。

No.

首先，你在冷静期内是可以取消的。

The first thing is you can cancel within a cooling off period.

所以，只要你还在冷静期内，关键在于你什么时候提出取消，而不是什么时候完成切换。

So if you're within the cooling off period, it's the point of cancellation that matters, not the point of switch that matters.

只要他们确认收到你的取消申请，这件事就算成立了。

So once they've told them that you're canceling, that's how it works.

这事儿确实挺复杂的，流程也容易绕，但核心就一点：在冷静期内，最重要的是他们到底有没有真正把你切换过去？

Now, it is quite complicated and it can be a bit convoluted, but the basic answer, first of all, if you're in your cooling off period, the big thing that counts is have they actually switched you or not yet?

如果他们还没给你切换，你可以选择继续切换、延长取消期限，或者直接取消，这样你就继续留在原供应商那里。

If they haven't switched you yet, you can choose to either switch it or move the canceling period or just cancel it and you'll stay where you are.

你还没完成切换，其实你只是在取消这次切换，恢复到原来的状态。

You haven't switched, you're basically within the cooling off period, you're just canceling the switch back to where you were.

所以对你来说，就是从家能能源转到新的供应商。

And then so in your case, you'd move from home energy to the new one.

如果你已经切换了，但还在冷静期内，就告诉新供应商你想取消，他们会给你提供选项，从他们说明选项的那天起，你有十五个工作日的时间，可以选择和新供应商签约、和旧供应商重新签约，或者和另一家供应商签约。

If you have switched and you're still in your cooling off period, you tell your new supplier that you want to cancel and they should give you your options, and you'll have fifteen working days from that point when they explain your options to either agree a new contract with your new supplier, agree a new contract with your old supplier, or agree a new contract with a different supplier.

简单说，如果你已经切换了，你就直接说：其实我不想跟你合作。

So basically, you say, if you have switched, you say, actually, I don't wanna be with you.

我想取消这次切换。

I wanna cancel the switch.

我要换到别家去。

I'm gonna move elsewhere.

然后你有十五天时间来处理这件事。

And then you've got fifteen days to sort that out.

老老实实说，你有十五个工作日来处理这件事。

Fifteen working days to sort that out is the honest answer.

现在，咱们从更大的角度来看看这个问题。

Now, just a bigger picture on that question.

马特，我跟你说实话吧。

And I'm gonna be honest here, Matt.

过去几周，这事儿真是让我最揪心的一个问题。

This has been one of my biggest panics over the last few weeks, right?

为什么呢？

Why?

中东冲突爆发后，有一段挺长的时间，根本没有比当前价格上限更便宜的套餐。

So we went for quite a long period after the start of the Middle East conflict, where there were no fixes cheaper than the current price cap.

而价格上限覆盖了全国60%的家庭——除非你选了特殊套餐，或者签了固定电价合同，否则在英格兰、苏格兰和威尔士，你默认就在价格上限上。

And the price cap, which 60% of the nation are on, and basically if unless you're on a special tariff, unless you're on a fix, unless you've chosen to be on a tariff, you're on the price cap if you're in England, Scotland and Wales, is likely to go up.

预计今年七月，这个价格上限可能会上涨大约13%。

It's currently predicted to go up 13% ish in July.

可能是11%。

It might be 11%.

也可能是15%，但大概就在这个范围左右。

It might be 15%, but it's gonna be somewhere around that order.

等到十月下次调整时，情况就更难预测了——目前预计十月会维持七月的水平，明年一月又会上涨，但这些预测都可能大幅变动，毕竟现在全球局势太不稳定了。

And then much more crystal ball gazing once you get to the next price cap move in October, it's predicted to stay about the same as the July price cap and predicted to go up again in January, but those could change quite radically because the world was so volatile at the moment.

不过目前来看，价格上限还得继续涨。

But it currently looks like the price cap's gonna get more expensive.

后来停火消息一出，国际能源批发价就跌了，因为大家预期霍尔木兹海峡会重新开放，这时候就又能找到比价格上限还便宜的固定费率了。

So then we had this period where once the ceasefire was announced, because world wholesale rates dropped on the hopes that the Straits Of Hormuz would open up, you were then able to get fixes below the energy price cap.

所以我当时就公开说了，而且我特别注意了措辞。

So I came out and said, look, And I was very careful with my language actually.

我说，如果你不喜欢价格波动，想稳住开支，现在就可以锁定费率。

I came out and said, look, if you're risk averse, if you don't want your prices to rise, you can currently fix.

比现在的上限只便宜1%到2%，但别忘了，七月这上限肯定要涨，今年剩下的时间可能都会维持在高位。

It's only 1%, 2% cheaper than the current price cap, but that price cap is certainly going up in July and may stay high the rest of the year.

所以这样做能确保你的价格不会再上涨。

So this is a way of guaranteeing you won't have any price hikes.

我确实说了，而且我特别谨慎，我说：我不能保证回头一看这是最便宜的，毕竟价格可能会更低。

I did even say, and because I'm careful, I said, but I can't promise with hindsight it will be the cheapest because, of course, prices could get cheaper.

后来价格确实又降了一两个百分点，我当时特别自责，心想：唉，要是再等一周，大家就能多省一点了。

And then it did get about a percent or two cheaper, and I was cause I racked myself with guilt going, oh no, I could have waited a week and people would have saved an extra 1%.

当然，我当时根本没法预知，因为这全看特朗普会怎么行动，而没人猜得透他的心思。

Of course, I didn't know that because it was based, so based on what Donald Trump does and nobody knows the mind of Donald Trump.

说不定连特朗普自己都猜不透，但我绝不会这么说。

So might argue not even Donald Trump himself, but I would never say such a thing.

所以想到这些，我就在想：我是不是说得太早了？

And so because of all that, I'm sitting there going, did I call too early?

我是不是说得太早了？

Did I call too early?

结果，当然了，停火协议后来又出了问题。

And then, of course, of course, the ceasefire fell down somewhat.

某种程度上还在，但谈判还没进行。

It's still there to an extent, but the negotiations haven't happened.

批发价又涨上去了，固定费率也变得更贵了。

Wholesale rates have gone back up and fixes have got more expensive again.

我当时说这是个机会窗口，确实是个机会窗口。

So I was calling it a window of opportunity and it was a window of opportunity.

虽然我早就打了各种预防针，也一直用很谨慎的语气说，你看，你要是怕风险，这个比价格上限更稳，能长期保持。

But even though I'd done all the caveats and even though I talked about it in risk averse, you know, and saying, oh, you're risk averse, this is better than the price cap because it stays.

我知道，咱们干脆直说吧，毕竟这档《问答时间》播客挺私密的。

I know, well, let's just be blunt because this is, you know, Question Time podcast is intimate.

我们这档播客里，大家彼此都挺熟的。

We all know each other in this podcast.

没错。

We do.

听众们也把这当成一个可以安心说话的空间。

You know, and the listeners as well, they get this as a sort of safe space to talk.

我知道很多人听我的话并照着做，哪怕他们其实并不完全明白其中的道理。

I know that lots of people listen to me and do stuff because I tell them to, even if they don't necessarily understand it.

每次有人跟我说‘我不懂你讲什么，但我还是照你说的做了’，我都特别害怕。

It always petrifies me when someone said, I don't understand what you talk about, but I do everything you say.

这恰恰是最糟糕的情况，因为我一直强调的是：你必须真正理解才行。

I mean, that's the worst thing because my whole point is you have to understand it.

我当时想，也许他们没注意到那些前提条件——我是说，这些建议只适合风险厌恶型的人，我也没说这绝对是最佳选择，现在价格反而又降了1%。

And I thought, oh, maybe they haven't read the caveats that this is if you're risk averse, and I'm not saying because you know, then I'm not saying this is definitely the best thing to do, and now it's got 1% cheaper.

那几天我一直在想：我是不是做对了？我是不是做对了？

So I had a couple of days of going, I hope I've done the right thing, hope I've done the right thing.

你知道吗，当你意识到很多人都是根据你的建议行动时，压力真的很大。

There's a lot of pressure when you know, because a lot of people acted on the back of that call out.

不过，这只是我想顺带提的一点。

Anyway, that's just a little side message.

但结果呢，很遗憾，中东那边的情况并没有像我们预期的那样好转，于是批发价格又回升了一点，一些固定套餐的价格也再次上涨了。

But as it happened, because unfortunately, sadly, what's gone in The Middle East didn't get as much better as we thought it was going to, then wholesale rates have gone up, back up a little bit again, and some of those fixes have got more expensive again.

那本来是个机会窗口，但你当时根本不知道。

So it was a window of opportunity, but you just don't know that.

做出这个决定真不容易。

It's quite tough to make the call.

好了，各位，我们马上进入第二个问题。

So everybody, we're about to move to the second question.

我通常都能猜中会是什么。

Normally, I predict what it's gonna be.

老听众们，自己想想，这次会是什么？

Regular listeners, say to yourself, what's it gonna be now?

我都能听见你们在说：肯定是来电听众，马丁。

I can hear you all saying, it's a caller, Martin.

肯定是来电听众。

It's got to be a caller.

马特每次都会把来电听众排在第二位。

Matt always puts a caller second in the podcast.

马特，是听众来电吗？

Matt, is it a caller?

你知道我可能会做什么吗？

Do know what I might do?

我可能干脆下周把顺序全换掉，让你们措手不及，

I might just one week switch the order up completely, throw you off and

不行。

No.

不是我搞乱节奏，是所有听众在推着你，马特。

It's not me throwing off, it's all the listeners, Matt.

你不能这么做，真的不能这么干。

You I can't don't do that to think can't do that.

肯定是听众来电，马特。

It's a caller, Matt.

是听众来电。

It's a caller.

是个听众来电。

It's a caller.

来自伯克郡的戴维。

David in Berkshire.

你好，戴维。

Hi, David.

你好。

Hello.

你最近怎么样？

How are doing?

你好，戴维。

Hello, David.

欢迎来到这个播客。

Welcome to the podcast.

你有个问题要问吧。

And you've got a question

关于免税的。

on privileged.

我和我妻子马上就要完成伦敦一套公寓的出售，能拿到大约40万英镑的现金。

We are so my wife and I are just about to complete on the sale of a flat in London, and we'll have about a £400,000 lump sum.

对。

Yep.

这是我们的唯一一套房产，过去十三年一直对外出租。

It's our only property, and we've been renting out for the last thirteen years.

因为我们目前住在公司提供的免费住房里，我和妻子不着急买房，可能得花一年甚至更久才能找到合适的选择。

Due to the currently living in free job related accommodation, my wife and I are not in a rush to buy, and it may take a year or more to find the right property for us.

这笔钱是为将来买房准备的，所以我并不打算拿去投资或锁定起来。

As this money will be needed for that future purchase, I'm not looking to invest it or lock it in.

明白了。

Okay.

我们只是先放着

We'll just throw

把那个放一边。

that one away.

如果你是长期持有，那确实可能比储蓄收益更高，但这种情况不适用。

If you're keeping it for the long term, obviously, can outperform savings for long term money you don't need, but that's gone here.

我们没打算投资，资金已经从投资渠道撤出来了。

We don't have investment in our in our but the the cupboard has had investment removed from it.

接着说。

Carry on.

对。

Yes.

所以如果我们找到合适的房子，希望能随时出手。

So we want to be able to move on the property if we find that one.

我跟我妻子已经

So my wife and I have already

哦，不用了。

Oh, no.

哎呀，糟了。

Oh, no.

你正说到一半，信号突然断了，所以我们现在改用传统电话接你了。

You're in the middle of your question now and your line dropped, so we've now moved you onto a phone because we've gone for old school technology.

你接着说吧。

Do carry on where you were.

我之前说过了，我是高税率纳税人，我妻子的收入刚好处在基本税率档的上限附近。

So I was saying I'm a high rate taxpayer and my wife is near the top of the basic rate tax bracket.

我现在的计划是，我们俩各自用五万英镑买国债债券，再搭配高息储蓄账户，可能还会加一些定期存款，来最大化利息收益。

My current plan is to use 50,000 each in premium bonds alongside high interest accounts and perhaps regular favour accounts to maximise the interest.

你用过你的免税储蓄账户了吗？

Have you used your ISO?

用过了。

Yes.

我们俩今年都已经用掉了各自的免税储蓄账户额度。

So I've used both of us have used our ISO this year already.

好的。

Okay.

我有几个具体的问题。

I have a couple of specific questions.

我是不是该把一部分钱存在我妻子名下，这样能赚点利息，又不会让她进入高税率档，否则她会损失500英镑的免税额度？

Am I right in thinking we should put some money in my wife's name to gain interest but not tip her into the higher rate as she would lose £500 of the interest allowance?

我是不是漏掉了什么适合短期、低风险的储蓄投资方式？

And am I missing any sensible options for short term or straight no low risk investment savings?

好的。

Okay.

大卫，你问得正是时候，我待会儿会解释为什么。

So David, you've asked at a very fortuitous time, and I will come on to why in a moment.

不过我们先来聊聊常规做法。

We'll go through the standard practice, though.

首先，我们来谈谈储蓄的安全保障。

First thing, let's talk about saving safety protection.

你知道现在储蓄账户里的钱是怎么受保护的吗？

Do you know how your money is protected in savings at the moment?

知道，存款保障计划有额度限制，我想这应该属于六个月内的特殊事件条款吧。

Yes, so the SCS protection limits, and I guess this will come under the lifetime event clause of six months.

你是在问这个吗？

Is that what you're asking?

对，我就是想确认你知不知道。

I was.

我想看看你是不是了解这一点。

I wanted to see if you knew about that.

确实，六个月内的特殊事件适用这个保护条款。

It does come under the lifetime event for six months.

每个人在每家金融机构的存款最高可获140万英镑的保障。

You're protected up to £1,400,000 per person per financial institution.

因为你卖了房子，继承遗产也会触发同样的保护机制。

Because you've sold your house, an inheritance would do the same thing.

如果银行或建房互助协会不幸倒闭，短期内你的资金能获得更高额度的保障，尽管这种情况发生的概率极低。

You get much bigger protection for the short term in the unlikely event that the bank or building society you put your money in went bust.

你最多能获得140万英镑的保障。

You'd be protected up to £1,400,000.

之后就恢复到常规的每人每家金融机构12万英镑保障，但目前你享受的是140万英镑的额度。

The rule after that is the standard £120,000 per person per financial institution, but right now you'd have £1,400,000.

不过话说回来，你打算长期存放这笔钱，这就引出一个问题。

Having said that, you're looking to keep money for the longer term, so there's a question.

首先，你作为高税率纳税人，已经用完了个人储蓄免税额和其他所有免税额度，所以利息收入是需要缴税的。

So the obvious things first is that you're going to be paying tax on the interest because you're a higher rate taxpayer, you've used up your personal savings allowance and all the other allowances.

你的ISA已经用满，也买了国债债券。

You've done your ISAs, you've got money in premium bonds.

一般来说，我不太推荐国债债券，因为收益率实在不高。

Generally, I poo poo premium bonds because the rate isn't that high.

对大多数人来说，除非你把额度用满并且要为储蓄缴税，否则普通储蓄的收益通常会更好；但你正好用满了额度，也确实要缴税，所以对你就成了相当划算的选择。

For most people, unless you're maxing it out and you pay tax on your savings, with typical luck, you would beat it in normal savings, but you are maxing it out and you do pay tax on your savings, so therefore it becomes quite a good deal for you.

接下来我们通常会考虑的问题是，有没有什么办法能在短期内最大化你的资金，把钱分散到不同的账户里。

So the next question that we would normally look at is we would normally look at what different routes are there for maximizing your money in the short term and spreading the money into different accounts.

等等，马特，这里要插一句——就在上周，NS和我刚推出了全新的固定利率储蓄产品。

Well, Matt, add a record screech here because just launched in the last week, our new fixed rate savings from NS and I.

NS和我是一家国有的金融机构。

NS and I is the state owned financial institution.

通常我们说的金融服务补偿计划，每人每家机构最多保障12万英镑，其实背后也是由政府担保的。

Now, the important thing about NS and I is normally when we talk about the financial services compensation scheme protection up to £120,000 per person per financial institution, ultimately that is backed up by the government.

但NS和我不同，你存进去的每一分钱，全都有政府全额担保。

But with NS and I, all of it is backed up by the government.

换句话说，你存在那里的所有资金，本质上都是政府背书的，毕竟它是国营的。

So effectively all the money you put in there is government backed because it's state owned.

一般来说，它们的利率并不算高，但这次刚推出了新的固定利率储蓄产品。

And normally the rates aren't that great, but just now it's launched these fixed rate savings accounts.

这些产品叫固定利率储蓄，他们管这叫债券。

So just fixed rate savings, it calls them bonds.

这些还是和普通的定期储蓄一样要缴税。

They're still taxable just like any other fixed rate savings.

不过，NS和I的定期储蓄利率通常远低于市场最优利率。

But the rates, normally the rates in NS and I fixed rate savings are way below the best buys.

这些新产品的利率只比市场最优利率低大约0.2%。

The rates of these are only about 0.2% below the best buys.

一年期固定利率是4.5%，两年期是4.48%，三年期是4.45%，五年期是4.4%。

You've You got a one year fix at 4.5%, a two year fix at 4.48, a three year fix at 4.45%, a five year fix at 4.4%.

而且每种产品都可以存入高达一百万英镑。

And with all of them, can put up to a million pounds in there.

所以你可以存四十万英镑进去，完全由政府担保。

So you could put £400,000 in there and it's absolutely backed by the government.

所以你有一个选择，可以把四十万存成一年期，因为我觉得你大概不会在明年内有大笔支出，大卫。

So one option you have is you could take your 400,000 and you could put it in a one year fix because I think you're sort of indicating you won't be buying within the next year, David.

那问题来了，你到底想保留这个选项吗？

Well, that's the point where do you want to have that option?

哦，搬个家

Oh, Move

要是找到合适的房子，就把资金转到50万英镑

on a property if we find the one and convert things into 500,000

一下子兴奋起来了

got all excited.

马特，不行，我们还是得保留这个记录，这对其他人来说很重要

Matt, can you No, we'll still keep the record screech because it's important information for other people.

我的意思是，你现在有什么选择？

I mean, what do you have here?

你可以考虑通知存款账户，存钱前得提前通知，但目前最高利率也比不上灵活存取账户

You could e count extra rates with notice accounts where you have to give notice to buy, but the highest at the moment aren't really beating easy access.

你也可以看看六个月的定期存款

You could be looking at six month fixes.

不过目前最高的利率也还是赶不上CHASE账户

Again, the highest at the moment aren't beating the Chase account.

你有汇丰账户吗？

Do you have a Chase account?

没有，我之前上网查过这个账户。

No, that's the one I looked at when I went on to a website.

很好，非常好。

Very good, very good.

所以，你和你妻子可以各自在汇丰存最多十二万，都能享受存款保障。

So yeah, I mean, you and your wife could separately have money in Chase up to 120,000 each and get that protection.

当然，前六个月利率是全额的，能拿到4.5%。

Obviously for the first six months, you get the That's full paying you 4.5%.

之后利率就会慢慢降下来。

After that, you're starting to drop down the rate.

如果你需要随时取用，其实没什么特别划算的选择。

There isn't really anything clever if you want access to it.

偶尔会有固定利率的储蓄产品，但如果你已经用完了ISA额度，就没办法再用固定利率现金ISA了。

Occasionally we get fixed rate savings that pay and you've used your ISA so you can't use the fixed cash ISA that would give you access.

偶尔会有固定利率的储蓄账户，允许你在期内提前支取，但要扣一点利息，不过目前市面上没有这样的产品。

Occasionally there are fixed rate savings account that give you access within the term If you close the account down for a small interest penalty, there aren't any of those available at the moment.

就只是随时可取的类型。

It's just easy access.

你别用NS&I的那个，也是随时可取的。

You don't want to use the NS and I one, it's just easy access.

明白了。

Okay.

所以你的意思是，先把钱全存在花旗银行，六个月后，再把钱分到不同账户里，这样就能最大化保障？

So what you're saying is put all the money into Chase initially, and then after six months, then I can move that over to then spread the protection into the different accounts?

没错。

Absolutely.

那时候你可能会更清楚，能不能把一部分钱锁定起来。

You might have a better idea of whether you could then lock money away in that time.

你可以把钱存在你和你妻子名下。

And you could put, I mean, you could put it in yours and your wife's name.

你刚才问到了税务问题。

You asked about the tax.

说得完全对。

Absolutely right.

夫妻之间可以互相转账。

Spouses can move money between you.

任何已婚或有民事伴侣关系的人，彼此之间转账都不会产生税务影响。

So anyone who is in who's married or in a civil partnership can move money between them without any tax implications.

把钱存在你太太名下，其实这笔钱本来可能就是你们共同的，这样做很合理。

So putting money in your wife's name, mate, it might be joint money anyway, is sensible.

很抱歉，我没能想出更巧妙的建议。

I'm so sorry I couldn't come up with anything extra clever.

提醒一下在听的各位，如果你手头有一大笔钱，短期内既不打算投资也不打算挪作他用，那NS和I账户就非常实用，因为一百万英镑基本是全额受保护的，只在特殊情况下才受限。

Do think for everybody else listening, those NS and I accounts, if you've got a large lump sum you're sitting on that you're going to need access to, so you're not going to invest it or put it elsewhere, Those are really useful because of the million pounds is effectively protected utter only just below life events.

好的，不好意思信号不太好。

Okay, sorry about signal.

希望如此，我之前还担心拿不到徽章呢。

Hopefully, well, I was scared I wasn't gonna get my badge.

你肯定能拿到徽章。

Oh, you're getting your badge.

信号不好可不会让你受罚。

You're getting you do not get punished for poor signal.

你一定会拿到徽章的。

You will still definitely get your badge.

等徽章做好了，你将是第三个领取的人。

You will be the third recipient of badges once they are made.

对。

Mhmm.

感谢你打来电话。

And thank you for your call.

非常感谢。

Thank you very much.

干杯。

Cheers.

我们这边有来自伯恩茅斯的马塞洛。

We've got Marcelo in Bournemouth.

你好。

Hi,

你好。

Hello.

嗨，马塞洛。

Hi, Marcelo.

欢迎。

Welcome.

有什么可以帮你的？

What can we do for you?

谢谢你们邀请我。

Thanks for having me.

先简单交代一下背景。

So just for a little bit of context.

我今年41岁，最近才真正意识到财务问题的严重性。

So I'm 41 And I recently had a financial wake up.

明白了。

Okay.

我管这叫

I call it

醍醐灌顶的时刻。

light bulb moment.

而且

And

我试着拉她一起改变，但她直接关上了心门。

my wife kind of shut down when I tried to get her on board.

所以我想问，我该怎么跟她说，才不会让她觉得我在责怪她？

So my question will be, how do I approach her without her making making her feel criticized?

那我该先从哪里开始呢？

And what should I prioritize first?

我得先了解下整体情况。

So I I need sort of an idea of bigger picture.

你是突然意识到，自己的财务一团乱，没用对产品，也没做预算，才醒悟的吗？

Is this you suddenly realize that your finances weren't organized and you you didn't have the right products, and you weren't budgeting.

你指的这种顿悟，是这种类型吗？

Is it that type of light bulb moment you're talking about?

她一直把事情处理得很简单，但特别有效。

Well, she always kept things very simple, but very effective.

我们一直都只用一个账户管所有开销。

So we always only had one account for everything.

对。

Yeah.

我现在才明白，要是能把这笔钱挪到别处，说不定还能多赚点利息。

And I now come to realize that, you know, if we move that money maybe to, you know, that money can give us some a bill extra money.