如何最佳地利用0%利率信用卡套现？| 17岁青少年的最佳储蓄方式 | 我会失去儿童福利吗？

经常听节目的朋友们，做好准备，来点猛的。

Regular listeners, prepare yourself for a shot.

我觉得你根本不想在这上面花任何钱。

I don't feel you want to be paying a fee at any point in this.

借助播客的魔力，我现在就来算这些数字。

Via the magic of podcasting, I'm gonna go and do those numbers now.

我有个问题想问你。

I've got a question for you.

好。

Okay.

现在我能说了吗。

Now could I let already.

你继续。

Carry on.

对。

Yeah.

这些都比不上这个重要。

Way more important than any of that.

她掉线了吗？

Has she dropped?

但我们失去她了。

But we lost her.

天哪。

Oh, no.

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 Martin Lewis podcast.

我还在想这节目到底讲啥呢。

I did wonder what that's gonna be about.

这期是我们的问题时间，你们这些特别机灵的听众可以问我任何问题，只要在合理范围内。

And this is our question time episode where you, our ESQ's extra savvy questioners, get to ask me your questions on absolutely anything and everything, open bracket within reason, close bracket.

这周你们问我，马丁，怎样才能最有效地套利？

This week, you asked me, Martin, what's the best way to stooze?

对还不了解的人解释一下，‘stooze’就是怎么利用零利率信用卡套现，把钱存起来，趁银行白给的这段时间赚点利息。

For those of you who don't know, that means how do I get money off a 0% credit card so I can save it and earn interest on the money they've lent me for now?

我孩子今年17岁。

My child is 17.

她该用儿童账户还是成人储蓄账户？

Should she use a children or an adult savings account?

如果我一年里只有部分时间收入超过限额，还会失去儿童福利吗？

Will I lose child benefit if I only earn over the limit for some of the year?

我有点担心，让我18岁的孩子第一次出国旅行时带信用卡。

I'm nervous giving my 18 year old a credit card for his first trip abroad.

有什么别的选择吗？

What are the alternatives?

最后，上一期节目我意外请来了一位特别嘉宾。

And finally, I got a surprise with a special guest last call.

播放主题曲。

Play the theme tune.

大家好，欢迎来到本期的问答时间节目，在这里你们可以问我任何合理的问题。不过老听众们，你们得做好心理准备了，因为接下来几周，马修·伯纳姆教授大人不会出现了。

Hello, everybody, and welcome to our Question Time edition of the podcast where you get to ask me questions on anything and everything within reason, but regular listeners, prepare yourself for a shock, because for the next few weeks, there's no Professor Sir Matthew Burnham, Esquire.

取而代之的，是个升级版，或者也可能是降级版。

Instead, we've got an upgrade or a downgrade.

我本人保持中立，这事儿你们自己来评判。

I'm staying absolutely neutral, you can decide this one yourselves.

我不想卷入他们俩之间的竞争。

I don't want to get involved in the competition between the two of them.

今天我们请来了PPS，不是议会私人秘书，而是 podcast 制作人西蒙，他平时负责的是《重大议题》版块的制作。

We have PPS here, no, not Parliamentary Private Secretary, but podcast producer Simon, who normally does the producing on the big issues version of the podcast.

不过接下来几周，他会来主持问答时间。

But you're joining us for Question Time for the next few weeks.

西蒙，你对这个安排感觉怎么样？

How are you feeling about it, Simon?

你对这场重头戏感觉如何？

How are you feeling about the big game?

嗯，能来这儿我特别高兴。

Well, I'm absolutely delighted to be here.

马特在这档播客里换了好多名字。

Matt's had so many names on this podcast.

我是说，照这个速度，说不定他下一步就叫朱德·查姆斯了，对吧？

I mean, maybe that's changed him to Jude of Charms at this rate, won't we?

我们有好多

We've got so

马上就有好几个假期了。

many holidays coming up.

我还没见过这些徽章呢。

I haven't seen any of these badges yet.

说实话，我本来打算徽章一到手，就直接顺走一个。

I must admit, my plan was that the moment they came in, I was just gonna steal one anyway.

不过至少通过录这档播客，我算是名正言顺地

But at least by doing this podcast, I am actually entitled

我可以正式宣布，你有资格获得一枚我们的ESQ徽章，就是给所有打电话或发语音留言参与节目的人发的那种。

I'm to going to say that you can officially have a badge, one of our ESQ badges, extremely savvy questioners badges that anybody who calls up or does a voice note for the podcast gets.

如果你的问题被念出来了，你可以在名字后面加上ESQ，算是被纳入节目的官方体系——当然不是法律意义上的，但你就算是一位‘爵士’了，不过只有打电话的人才能拿到实体徽章。

If your question is read out, you can still put within the canon of the podcast, not legally, ESQ after your name, you become an Esquire, but it's only the callers who get the badges.

是的，西蒙，因为你替马特主持，等徽章做出来后，你完全可以给自己发一枚。

Yes, Simon, because you're filling in for Matt, you absolutely do get to give yourself a badge once the badges are produced.

所以呢，我得说明一下，我刚才说的全是关于消费者权益的事。

So yeah, I just need to say as obviously consumer rights is everything I'm saying.

咱们来聊聊条款和条件吧。

Let's do the terms and conditions.

只要打电话进来，你就一定能拿到徽章。

Anybody calls up, you will get a badge.

我们上周才刚提出这个点子，投票也是上周才通过的。

We only came up and the vote only happened for the ESQs last week.

徽章现在还没做好。

The badges are not ready yet.

所以，如果你今天上了节目并且是来电者，要等到真正拿到徽章还得等上一段时间。

So there will be a substantial delay from the time if you're on the show today and you're a caller between actually getting your badges.

不过话说回来，想想那种期待和等待的感觉吧。

But hey, think about the anticipation, the wait.

这就像享用最精致的美食一样。

It's like the finest food.

光是想到有一天会收到一枚ESQ徽章，你的嘴里都会忍不住流口水。

Your mouth will be salivating with the idea that an ESQ badge is coming to your house one day.

想象一下，也许到了2029年冬天的一个阴沉日子，你正坐在那儿想，什么事能让自己开心一点呢？

Imagine you'll just be probably could be even a gray day in the middle of winter in 2029, and you're sitting there going, what's gonna cheer me up?

就在这时，一封信寄到了，你拆开一看，里面是一枚写着ESQ的徽章。

And then an envelope arrives, you open it, and there comes a badge saying ESQ.

这简直就像一个美好的未来梦境。

It's like an idyllic future dream.

咱们现在开始听几个问题吧？

Shall we get on with some questions?

好的。

Yes.

我们来聊聊吧。

Let's get into them.

我们收到一个来自瑞安的问题。

We've got one in from Ryan.

他问的是套利策略。

He's asking about stoozing.

他说：嗨，马丁和马特。

He says, Hi Martin and Matt.

谢谢你们做的精彩工作，让整个社群更关注理财。

Thank you for the brilliant work you do to get the community thinking more about money.

我觉得自己在财务方面还算挺有头脑的。

I like to think of myself as reasonably financially savvy.

我最近一直在琢磨套利的策略，想听听你们对一些更细致做法的看法。

I've been thinking about stoozing strategies and wanted to get your take on something a bit more nuanced.

一般来说，是用零利率的转账卡一次性拿到一笔钱，立刻存进储蓄账户赚取利息，更划算，还是用零利率的消费卡，慢慢用它来支付日常开销，从而腾出自己的钱存起来？

Is it generally more effective to use a 0% money transfer card to access a lump sum upfront and place it into savings to earn interest from day one, compared to the more traditional approach of using a 0% purchase card and drip feeding savings by covering everyday spending.

从理论上讲，一次性拿到大笔钱存起来，因为本金多、存的时间长，利息应该更高。

On paper, the lump sum approach seems like it should generate more interest due to having a higher balance invested for longer.

但一算上转账手续费，我就不确定这种做法到底有多少次能真正比慢慢存更划算。

But once transfer fees are factored in, I'm not sure how often it actually comes out ahead.

有没有一个简单的判断标准，能告诉我们什么时候转账策略比慢慢存更优？还是说这完全取决于手续费、利率和零利率期的长短？

Is there a clear rule of thumb for when a money transfer strategy beats drip feeding, or does it depend entirely on fees, interest rates and the length of the 0% period?

这个问题真有意思。

Okay, this is a fascinating question.

我们先来理清一下stoozing的基本前提，这是针对那些财务状况良好、没有负债的人。

Let's just go through the basic premise of stoozing which is for the financially savvy who are debt free.

stoozing的核心是，如果信用卡公司愿意在一段时间内免息借钱给你，你就可以借这笔钱，制造一笔‘虚拟债务’，然后把钱存进高利率的储蓄账户里。

The premise of stoozing is if a credit card company is willing to lend you money at 0% over a longish period, you can take the money they lend you, build an artificial debt with it and then take that money and put it into high interest savings.

存的钱最好是随时能取出来的。

It should always be easy access.

你不该拿这笔钱去投资，因为他们随时可能要求你还款，你必须确保能随时还清债务。

You shouldn't be investing this because they can call the debt back at any time, You should always be able to pay off the debt.

所以你实际上是免费借了他们的钱，然后靠它赚钱。

And therefore you are making money on money they have lent you for nothing.

这就是套利的基本原理。

That is the basic stoozing premise.

套利的难点在于，我很惊讶这个播客里总有人问到套利的问题。

The challenge in stoozing, and I'm fascinated that we seem to get a lot of stoozing questions on this podcast.

我觉得这说明咱们听众里有不少金融极客，我特别喜欢。

I think this is becoming the geeks which I love.

但套利的难点是，你怎么把钱转到信用卡上？

But the challenge on stoozing is how do you get the money onto the credit card?

你怎么才能真正建立起这笔0%利率的债务？

How do you effectively build that 0% debt?

你说得对，确实有两种方法。

And you are quite right that there are two ways.

我来给大家简单讲讲这两种方式。

I am just going to explain them more in general for people.

一种是用那种消费免息的0%利率信用卡，比如刷任何东西都能享受26个月免息。

One way is you get a 0% for spending credit card that gives you interest free spending, let's say for twenty six months on anything that you pay for with the card.

那你就可以用这张卡来支付所有日常开销，慢慢累积欠款，但每月还款要超过最低额度。因为你没动银行里的钱，钱就留在账户里，可以拿去存高息储蓄账户。

So what you would do then is you would just then use the card to do all your normal spending, building up a debt on it, making over the minimum repayments and because you are not using the money in your bank account, money builds up in your bank account and you put that money into high interest savings.

这是第一种方法。

That's the first method.

第二种方法，就像你刚才说的，是用转账类信用卡。

The second method, as you're rightly talking about, is to use a money transfer card.

目前这类卡不算太划算。

They're not that good at the moment.

一般能有12个月免息，但手续费是3%到4%，具体看是乐购卡还是维珍卡，这两家是目前唯一提供转账服务的。

You get twelve months 0% there and the fee is three or 4% depending whether it's the Tesco card or the Virgin card, which are the two that offer money transfers.

转账和余额转移有点像，但不同的是，你申请到新卡后，他们会直接把钱打到你的银行账户，这样你就把债务转到了这张0%利率的卡上。

A money transfer is a bit like a balance transfer but with a money transfer you get the new 0% card and it pays money directly into your bank account for you so you now owe the 0% card instead.

这样转账更快，但得付手续费。

So it's a much quicker way of transferring the money but you pay the fee.

我一般更推荐用消费卡，因为我觉得这种情况下根本没必要付手续费。

I would generally favor doing the purchases route because I don't feel you want to be paying the fee at any point in this.

不过我们得算笔账，借着播客的魔法，我现在就去算一下。

But we need to do some numbers and via the magic of podcasting, I'm going to go and do those numbers now.

账算完了，结果出来了，告诉你吧，用消费卡的方式优势非常明显。

The numbers have been crunched and the results are in and let me tell you, it is a very, very easy win for the purchases credit card route.

我们来看看转账卡的情况。

Let's look at the money transfer card.

虽然能享受12个月零利率，但要收4%的转账手续费。

You can get 0% for twelve months but there is a 4% money transfer fee.

假设你的信用额度是五千英镑——实际上得再高一点才能操作——如果你把五千英镑债务转到银行账户，存进最高利率4.5%的活期储蓄账户，而且不考虑利息税，一年下来虽然能赚点利息，但4%的手续费一扣，实际收益就所剩无几了。

So if you had a credit limit of £5,000 or in fact it'd have to be slightly higher to do this, but if you shifted £5,000 of debt into your bank account and save that in the top easy access savings account at 4.5% and we'll assume you don't pay tax on your savings interest, it would earn you over the year, but the 4% fee is costing you so there is only a gain.

再来看看消费卡的情况。

Or we look at the purchases card.

我们假设你有一张26个月免息的消费卡，每月刷400英镑，其实你完全可以刷得更多——我这里已经算得很保守了，你要是刷800、1000英镑，这事能快得多。

So let's imagine you have got a twenty six month 0% purchases card and you are spending £400 a month on it, you could arguably be spending a lot more, I went very conservative, you might spend £800 £1,000 and could do this much more quickly.

我们再假设，这张卡的额度最高能用到5000英镑。

And we'll assume again you've got effectively you're allowed to put up to £5,000 on the card.

每月刷400英镑，一年下来，卡上就累积了4800英镑。

Well £400 a month over twelve months means by the end of the year you would have £4,800 on it.

利息方面，头几个月你卡上只有400，然后是800、1200、1600，金额是慢慢累积的。

The interest, well of course in the initial months you would only have £400 then £800 then £1,200 then £1,600 on it.

所以在4.5%的储蓄账户里，第一年的利息总共才117英镑，而且还不用花一分钱成本。

So the interest would not be as high over the first year in a 4.5% account, the interest would be £117, but there's no cost.

这全部都是纯赚的。

So all of that is profit.

到了第二年，你卡上已经满额5000英镑了，只要利率不变，这一年你什么都不用做，就能白拿225英镑的利息。

And then remember for the second year you've now got all of your £5,000 on the card, which means in the second year, assuming interest rates stay where they are, you get £225 worth of interest without doing anything.

不过别忘了，你还是得按时还最低还款额。

Do remember you still need to make minimum repayments on it.

这点一直值得记住。

That's always worth remembering.

所以从这些简单的计算来看，你用消费卡每月刷卡消费，收益会大得多。

So just taking some really simple sums there, you're going to be far better using the purchases route where you use that card for spending each month.

如果你一年后换了0%的转账卡，确实可以试试无手续费的余额转账，但现在的这类产品也不怎么样。

And if you had the money transfer card after a year at 0%, yes, you could try and get a no fee balance transfer, but they're not that good at the moment either.

我觉得最近产品变化挺大的，以前转账卡的优势明显大得多。

So I think actually the way the products have changed recently, it used to be money transfer cards were much better than they were.

现在它们反而差了很多，而消费卡的待遇却一直没变。

They've got a lot worse, whereas purchases cards have stayed around the same.

现在这条路非常简单。

It's a very easy route now.

用消费卡，照常消费，慢慢累积欠款，完全不用手续费，再把钱存进高息储蓄账户，这样赚得更多。

Do it with a purchases card, do your normal regular spending, build up the debt that way, have no fee whatsoever at all, put the money in high interest savings and you will make more money that way.

还记得几周前听过的那对夫妇吗？他们搞到了三万英镑的储蓄额度。

And remember, for those who listened a few weeks ago, we had a couple who got a £30,000 stewis pot.

所以他们把钱刷到信用卡上，再转到新卡做零利率余额转移，这样一来，就有三万英镑的零利率债务躺在储蓄账户里，每月还能赚4%的利息。

So by putting money onto the card and then balance transferring it to new cards, they have £30,000 of 0% debt that they have in a savings account earning them 4% interest.

一年下来，光利息就能赚大约一千二百英镑。

That's around £1,200 a year interest.

有些人甚至还会把这笔钱用在抵贷账户里，直接减少房贷的利息支出。

And some people even do it and then they use the money in their offset mortgage to reduce what they're paying on the mortgage too.

这种操作利润很高，但如果你不懂行，风险也极大——你得先没有负债，懂财务，擅长做表格，才可能赚到钱。

Stoozing can be incredibly lucrative but it is very risky if you don't know what you're doing so you need to be debt free, financially savvy, good at spreadsheets and then it can be a winner.

否则，玩这套操作只会亏钱。

Otherwise, being a stoozer can be a loser.

好了，西蒙，这是节目里的第二个问题，按马特的惯例，这通常意味着会有听众来电。

Okay, so Simon, it's the second question in the show and under Matt's format that normally means this will be a caller.

我知道马特的风格。

I know what Matt's like.

他向来很直接。

He's pretty straight.

他应该跟你说过，每两分钟打一个电话，每隔一小时打一次。

He will have told you, you do a call a second, do a call every even.

我猜大家都有点怕Matt，所以你这儿真安排了个来电者。

So I'm guessing because we're all a bit scared of Matt that you've got a caller.

我可不想把系统搞乱了。

Oh, I do not want to break the system.

我们已经安排了来自拉纳克郡的乔。

We have lined up Jo in Lanarkshire.

你好，乔。

Hello Jo.

你好，马丁，你怎么样？

Hi Martin, how are you?

我很好，非常感谢。

I'm very well, thank you very much.

你有什么问题？

What is your question?

我想稍微问一下高收入家庭儿童福利税的问题。

So I wanted to ask a wee bit about the high income child benefit charge.

上个月我工资涨到了最高档，因为我是单收入家庭，刚好超出了门槛。

So just last month I've moved up to the top of my pay scale and because I'm a single period it's just tipped me over the top of the threshold.

让我先说一下。

Can I

确认一下对吧？

just check?

我来给各位听众解释一下。

And let me just explain to everybody listening.

儿童福利的规定是，如果家庭中有一方收入超过六万英镑，那么你能拿到的儿童福利就会减少。

So the rules on child benefit is if there is a single earner, so it could be either parent who earns over £60,000 then the total amount of child benefit you get is reduced.

如果收入超过八万英镑，实际上就拿不到儿童福利了。

If they earn over £80,000 the net effect is you don't get child benefit.

如果收入在六万到八万之间，福利会按比例逐步减少。

If you are between 60 80 it's a linear sliding scale between the two.

你说的‘越过’，是超过了八万，还是六万？

So when you say you have tipped over, have you tipped over the 80 or tipped over the 60?

超过了六万。

The 60.

明白了。

Okay.

这么说吧，有好有坏。

Well in a way good and in a way bad.

你继续说。

Carry on.

我这车挺老的，公司最近推出了电动车型的薪资抵扣计划，我研究了一下，感觉还挺适合我的。

So as I'm afraid to this, my car is quite old and my company has introduced a new electric car salary sacrifice scheme, I've been looking into that and it does still look quite a good fit for me.

如果我真这么操作，收入就能降到门槛以下了。

So technically if I sort of do that it will drop me back under the threshold.

所以今年大概前半年我会刚好在门槛以上，后半年又回到门槛以下。

So I'm kind of in the position where I'm probably going to be just above the threshold for maybe the first half of the year and then just below again the second half.

所以我有点想知道，对于我今年收入超过门槛的那段时间，需要补缴什么吗？还是说全年整体算下来就自动平衡了？

So I was wondering do I need to do anything in terms of paying back for part of the year that I'm above it or does things sort of average out over the year?

从大方向来看，全年收入是按整体来算的。

So big picture, things average out over the year.

只有当你在纳税年度内的调整后收入超过六万英镑时，才会失去儿童福利。

You only lose child benefit if you earn over £60,000 in the tax year of adjusted income.

还有一点要注意，你提到的薪水是扣掉养老金之前的，还是之后的？

It's also worth noting, is the salary you're talking about before or after pension contributions?

是扣掉之后的。

After.

扣掉之后的。

After.

也就是说，养老金已经提前扣除了。

So there's money already been taken off.

那你也是通过薪资抵扣的方式来缴养老金吗？

Are you salary sacrificing for those as well?

是的。

Yes.

明白了，这样就说得通了。

Okay, that makes sense.

所以，如果你一年的调整后总收入低于六万英镑，就不需要补缴，但如果你通过薪俸税系统扣缴，可能会先被扣了，之后还得申请退回。

Right, so if your total adjusted earnings are below £60,000 in a year you don't have to pay, but you may end up paying and then have to reclaim if you do it via the PAYE system.

所以我建议你别通过薪俸税系统来处理，最好在个人所得税申报表里一并处理，而且只有当你的全年调整后净收入超过六万零二百英镑时才需要操作。

So I would suggest you don't set this up to pay via the PAYE system, you would do it on your self assessment form or you would do it via self assessment, but you would only have to do it if your total adjusted net income goes above £60,200

好的。

Okay.

所以我的理解是，你觉得这事儿根本不会发生。

And so what it seems to me is you're saying it won't.

也就是说，你根本不想碰这个事。

So basically you don't want to deal with this.

但说到底，年底你还是得面对它。

I mean, at the end of the year it does, you're going to have to deal with it.

你可以上英国政府官网的儿童福利税务计算器，查一下具体的情况。

You can go onto the gov.uk's child benefits tax calculator to have a look at this and exactly what the situation is.

但听上去你应该是低于那个门槛的。

But it's sounding to me like you're going to be below the threshold.

所以你不需要申报，也不用做任何事，因为你能全额拿到儿童福利。

So you don't need to declare or you don't need to do anything because you will still get full child benefit.

那太好了。

That would be good.

当然我不是说不愿意，如果收入超了，该补缴我乐意配合规则。

And I mean, don't get me wrong, I don't mind sort of paying back if I'm above the threshold and things, then I'm happy to play by the rules.

但我主要担心的是那个自我评估的部分。

But I think my worry is just round about that whole self assessment side of things.

我以前从来没弄过这个。

It's not something that I've done before.

我只是有点担心那会是个什么流程。

And yeah, was just about worried about what that would look like.

所以总的来说，虽然我觉得做个人所得税申报对你来说挺麻烦的，但听上去你其实不需要做。

So overall, while I think obviously doing self assessment would be a hassle for you, it sounds to me like you're not going to need to do it.

所以最好的办法就是先别动，等你收入超过六万零二百英镑时再考虑申报，但看样子你不会到那个数，所以按这个情况，什么都不用做就是最好的选择。

So we're best to just hold off and go for the system where you would have to do self assessment if you were going to earn over £60,200 because it looks like you're not going to, which means on that premise, the best thing to do is to do nothing.

而且实际上，通过薪资抵扣计划买新车还多了一个好处，对吧？

And in fact, it gives almost an extra advantage of doing your new car via the salary sacrifice scheme, isn't it?

这样你就不用放弃儿童福利了。

It means you don't have to get rid of the child benefits.

所以从这个角度看，这对你来说真是个很划算的做法。

So effectively, that's a really efficient way for you to do it.

是的，没错。

Yes, yes.

非常感谢你。

Thank you so much.

不客气。

My pleasure.

Jo，你掉下来了，这让我有机会吃块饼干，我正饿着呢，所以这挺好的。

Jo, you dropped and it gave me a chance to eat a biscuit and I'm hungry, so that was good.

那挺好，这算是个意外收获。

That's good, that's a clout.

我刚才正好得嚼一嚼

I would have just now got to chew

那块

the

饼干，这样大家就听不到我吃饼干的声音了

biscuit so people can't hear me eating the

饼干，如果你不介意的话。

biscuit, if you don't mind.

你吃你的饼干，没问题。

You eat your biscuit, no problem.

非常感谢，乔，讲得太棒了。

Thank you very much, Joe, that was brilliant.

这不仅意味着你很可能能继续领取全额儿童福利，还能通过薪资抵扣的方式获得一辆车——如果有人不清楚，这意思就是公司会替你每月支付车款，方法是相应减少你的薪水，这样在税务和国民保险上都挺划算的。

Not only does that mean hopefully will keep your full child benefit and get a car paid through salary sacrifice, which if people don't know means the company says we are going to pay for your car for you, the payments for you each month, by reducing your salary the same amount, which can be quite tax efficient or National Insurance efficient to do so.

但比这些都重要得多的是，Jo，你马上就要拿到一个徽章了。

But way more important than any of that, Jo, you're going get a badge.

你兴奋吗？

Are you excited?

她掉线了吗？

Has she dropped?

不过我们把她弄丢了。

But we lost her.

天哪，她手机掉线了。

Oh no, her phone's dropped.

糟糕。

Oh no.

Simon，别关掉，就留着吧。

Oh, leave that in, Simon.

别删了。

Leave that in.

这都是我一手搞起来的。

I built it I did all that.

我把它做得这么好。

I built it up so well.

不能白费了。

It can't go to waste.

我觉得

Reckon

如果是MPC，她应该会继续在线上。

she would have stayed on the line if it had been MPC.

是啊，她是在SQ那边，不好意思。

Yeah, no, she's in the SQ, I'm sorry.

你是不是正想着：哎，我本来想问他件事来着？

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

这可是你的机会。

Well, this is your opportunity.

如果你有什么问题，就发到 martinlewispodcastbbc dot co dot uk 吧。

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

你可得开头啊，马丁。

And please do start them, dear Martin.

不是，是马特。

No, dear Matt.

马丁。

Dear Martin.

马特。

Dear Matt.

或者西蒙。

Or Simon.

说不定是西蒙？

Maybe Simon?

好的。

Okay.

这个问题的回答可没说动任何人。

Well, the answer to that one fell flat.

希望咱们这次能表现得更好。

Let's hope we can do better.

现在就剩咱俩了，西蒙。

It's just me and you now, Simon.

这次可不能再出岔子了。

We can't mess this up.

你至少别把电话挂了。

You at least cannot drop off the line.

你有什么要跟我说的？

What have you got for me?

不行。

No.

不行。

No.

我会坚持听完这期播客。

I'm gonna stay to the end of the pod.

合同上有规定，我必须这么做。

I'm contractually obliged to.

别担心这个。

Don't worry about that.

很好。

Good.

米凯拉联系我了。

Mikaela has got in touch.

你好，马丁。

Hi, Martin.

我女儿16岁，她在哈利法克斯银行有个儿童储蓄账户。

My 16 year old daughter had a kids savers account with the Halifax.

后来改成了普通储蓄账户，但利息太低了。

This then changed to an everyday saver, but the interest is poor.

她六月就满十七岁了。

She is 17 in June.

她现在做两份兼职，想把工资存到利息更高的储蓄账户里。

She has two part time jobs and wants to put her wages into a savings account with better interest.

她还没满十八岁，能申请普通的高息账户吗？

As she is under 18, can she apply for a regular high interest account?

目前看来，她只能继续用儿童储蓄账户。

She appears to only qualify for the kids savers.

你好，Mikaela，非常感谢你的提问，你女儿这么小就有存钱的习惯，真不错。

Hello Mikaela and thank you very much for your question and well done to your daughter on getting the savings habit so young.

正如你所问的，最关键的就是尽量找到利率最高的账户。

Now one of the most important things exactly as you're asking is to try and get the best interest rate that can be paid.

我不太清楚她之前用的是汇丰的哪一款储蓄产品。

I'm not sure which of the Halifax savings products she had before.

收益最高的就是汇丰儿童定期储蓄账户，利率有5.5%。

The most lucrative is the Halifax Kids regular saver that's 5.5% interest.

但这个账户不能一次性存入大笔资金。

But that's not one way you can put lump sums in.

它是每个月固定存入一笔钱的。

That's where you put in a set amount each month.

我记得每个月最多存100英镑，才能拿到这个利率。

I think it's up to £100 you can put in each month to get that interest rate.

这个利率是一年固定的。

It's fixed for a year.

她之前可能用的是这个，也可能用的是普通的汇丰儿童账户，利率大概2%左右。

So she may have had that or she may have had the standard Halifax kids account that pays about 2%.

如果转成日常储蓄账户，利率可能还会更低。

If it's moving to the everyday account, that could pay even less.

一般来说，成年人的账户都要求年满18岁才能开。

So generally, most adult accounts you have to be aged 18 to get.

所以我们现在要找的是，哪些儿童储蓄账户还允许16岁和17岁的孩子存钱。

So we're really looking at what are the children's savings accounts that still allow 16 and 17 year olds to put money in.

如果她打算每月固定存一笔钱，那目前利率最高的是Safran建筑协会，有3.95%的浮动利率，但说实话，我觉得这并不划算，因为存整笔钱的账户利率更高。

Now, if it was a regular saver, so she is putting a regular amount of money each month and that's what she wants, well the top payer now is the Safran Building Society at 3.95% variable and in a way I don't really think that's worth it because you can better interest rates in a lump sum account.

目前利率最高的儿童储蓄账户是Nationwide Flex One。

The best payer is the Nationwide Flex One saver for children.

必须先开通Nationwide Flex One的活期账户，才能享受这个储蓄账户。

You must open the Nationwide Flex One current account to get it.

存入上限5000英镑的部分，能获得5%的年利率。

It pays 5% interest on up to £5,000 in there.

她可以去分行办理，也可以通过他们的App或网站开通，这个账户用到17岁为止。

She can open it either in a branch or via its app or online and it works up until age 17.

还有其他选择，比如Kent Reliance，最高可存25000英镑，利率4.18%，如果她周末打工收入很高，这笔钱能覆盖更大金额。

Some other options, Kent Reliance at 4.18% on up to £25,000 So if her Saturday job is paying really, really well, you can get that on a larger amount.

再往下看，HSBC的My Savings账户有3.75%，Family Building SAT账户是3.6%。

And then going down below that, you've got HSBC My Savings at 3.75% and the Family Building SAT at 3.6%.

但在我看来，Nationwide的账户才是最好的。

But it sounded to me like the Nationwide is the best account.

在这个阶段，越早让她了解自己的钱，越能让她投入其中，越明白把钱存进高息账户能赚更多，就越有好处。

And the more that you can educate her about her money at this point, the more she gets into it, the more she understands that putting her money away in a top savings account means she has more money, the better.

说不定她还可以每个月存10英镑到投资账户里，看看钱是怎么慢慢增长的。

You never know, she could even try and put £10 a month in an investment account too to see how that grows for her.

非常感谢你提出这个问题，你可是个ESQ的资深听众呢。

Thank you so much for your question that you get to call yourself an ESQ.

好的，西蒙，这次是偶数编号的问卷，所以必须是个来电者。

Right Simon, so it's the even number questionnaire in this, so it has to be a caller.

接下来是来电者吗？

Is it a caller you've got for me next?

不是，这次我们有一个语音留言。

No, we've got a voice note on this occasion.

我相信你一定会很喜欢。

I think you'll really enjoy.

这次明确确立了一个重要先例：语音留言也算符合条件，能拿徽章。

Very important precedent has been set that voice notes do qualify for a badge.

那我们的语音留言来电者是谁呢？

So what's our voice note caller?

是语音留言的来电者吗？

Note caller?

他是不是语音留言的来电者？

Are they a voice note caller?

一条语音留言。

A voice note

是Parapentin。

be parapentin.

我们的。

Our

ESQ。

ESQ.

我们这位ESQ叫什么名字？

What's our ESQ's name?

是凯特和查理，不过在播放之前我得先提醒一下。

Well, it's Kate and Charlie, but I should flag before we play this.

我经常邀请嘉宾参与节目。

Now I I book a lot of guests.

我会请很多人录语音留言。

I ask a lot of people for voice notes.

这事儿我干了好一阵子了。

This is something I've been doing for a while.

有些人会有点紧张，觉得压力大——比如让我给马丁·刘易斯录个语音。

People sometimes get a bit nervous, a bit overwhelming, the can you just send in a voice note to play to MartinLewis?

所以我通常会给他们一个参考模板，帮他们找到感觉。

So I'll often send them a bit of a kind of template of how to start it to get them into it.

凯特跟我通完电话后，我就发邮件跟她说：‘你要是能开头这么说就好了，比如‘嗨，西蒙和马丁’，咱们先试试看。'

And so with Kate, after I chatted to her on the phone, I sent her an email saying, oh, if you could just start it with something like this, like 'Hi, Simon and Martin ' Let's see how it goes.

你好，马丁和西蒙。

Hi, Martin and Simon.

我是查利的凯特。

Kate from Chawley here.

我儿子今年夏天要第一次去和朋友旅行。

My son's going on his first lads holiday this summer.

他刚满十八岁。

He's just turned 18.

给他带什么卡最合适？还是直接带现金就行？

What's the best card for him to take with him, or should he just take cash?

我不太想这么早就让他接触信用卡，怕他控制不住乱花钱，毕竟他还不会管钱。

I'm not keen on introducing him to the world of credit cards just yet, as I think the temptation to overspend would be there, and he has no financial discipline yet.

我们还发现，他住的地方要押三百英镑的信用卡押金，我不确定有没有别的办法。

We've also realised that where he's staying requires a £300 credit card deposit, and I'm not sure if there's any other way around this.

非常感谢你们能给点建议。

Any advice you could give would be much appreciated.

谢谢。

Thanks.

是的，西蒙，马特肯定会很感兴趣，这不就是马丁和西蒙嘛。

Yeah, Simon, know Matt will be very interested, it's a Martin and Simon in there.

他可不乐意了。

He won't like that.

他正在度假，正享受着假期，突然听到这个播客，肯定坐不住了。

He'll be on his holiday, he'll be having his break and he'll listen to this podcast and he'll be there.

我能想象他眼里都快冒出火来了。

I can see he'll have daggers in his eyes.

咱们还是来回答这个问题吧。

So let's answer the question.

最后那个信用卡的问题确实棘手。

The credit card bit at the end is the difficult bit.

如果不想给18岁孩子办信用卡，那我会给他选什么卡呢？

What card would I get an 18 year old who you don't want to have a credit card?

最明显的选项就是汇丰卡。

Well, the obvious one is the Chase card.

严格来说，你需要开一个银行账户才能申请，但不用把现有账户转过去。

Now, technically you have to open a bank account to get it, but you don't need to switch bank accounts.

汇丰的银行账户对年满18岁的人开放。

And the Chase bank account is available for anyone aged 18 or older.

通过手机App就能直接开通。

It's openable via an app.

所以实际上，你只要往里存点钱用来花，它就能给你和银行一样的超划算汇率，因为不收非英镑的货币转换费。

So effectively, can open this up, you put money in it that you want to spend and it gives you the same near perfect rate that the bank gets when you spend because it doesn't add a non Sterling exchange rate fee.

我觉得这是个特别简单的选择，而且它是个借记卡。

I think that's a really simple option and it's a debit card.

没有透支功能。

It doesn't have an overdraft facility.

也不会做硬性信用查询。

It doesn't do a hard credit check.

它只做身份验证，对他的信用影响很小。

It just does an ID check and it doesn't affect his credit worth enough.

另一个选择是像Revolut预付卡这样的产品，同样可以充值使用。

An alternative would be something like a Revolut prepayment card, which equally it could get where you're loading the money up.

我觉得这两个方案都行得通。

I think either of those two would work.

最后一个是交信用卡押金。

Now, final bit was leaving a credit card deposit.

这个就难多了。

I mean, that is much tougher.

如果他们要求信用卡押金，而你在国外租车时年满18岁，但根本租不了车，那他们通常就非得要信用卡不可。

If they want a credit card deposit and you have this when you're hiring cars abroad, although 18, you won't be able to get a car hire anyway, then they tend to mean a credit card.

所以问题就在于，你得给他办一张信用卡，但这可能挺难的。

So the question is either you're going to need to get him a credit card, which could be quite tough.

比如巴克莱的奖励卡，但办信用卡要查信用记录，18岁的人本来就很难通过审核。

I mean, it'd be something like the Barclaycard reward card, but it will take a credit check to get a credit card and an 18 year old may struggle to pass that credit check anyway.

或者你替他付押金？

Or could you pay the deposit for him?

你能不能打个电话给他们，帮他垫付押金？这样跟他自己花的钱完全分开，这样可以吗？

Would it be allowed that you could ring them up and make the credit card deposit for him and then that would be totally separate to the amount that he's going to spend?

这个建议很简单，但我觉得是我能想到最稳妥的办法了。

It's a very simple suggestion, but that seems to be the easiest suggestion I've got.

最重要的是，好好享受你儿子们的假期吧。

But most of all, enjoy your lads holiday.

这可是人生中特别激动人心的阶段。

Such an exciting time in your life.

是啊，都18岁了。

Well, yeah, 18 years old.

是的，一定要小心点。

Yes, just be careful.

说到年轻人的财务问题，我们得记住，最大的风险之一就是……

And let's remember when we're talking finances and young people, one of the biggest dangers for finances and young people.

西蒙，我几乎能听出你说话时那股得意劲儿，我猜这主意就是你出的。

And Simon, I could almost hear the glee in your voice when you were saying it, I suspect this was you.

喝酒。

Is drinking.

西蒙，我猜你18岁那会儿，

And I bet when you were 18, Simon,

是啊，没错。

Yeah, yeah.

和朋友出去玩的时候，肯定也喝过好几瓶吧？

I suspect you might have had a jar or two if you went on holiday with your friends.

说得对吧？

Fair?

不对，根本不是一两瓶的事。

No, not fair at all.

那得多得多。

Not one or two, many more than that.