理財觀念

又 hang 機？要考慮買部新電話啦！你會攞以下哪款？
Want to upgrade your phone?
You should consider buying a new phone!
Which option would you choose?

• A. 不用考慮，

  刷卡或分期買最新型號
  Use a credit card or buy the latest model in installments.

• B. 儲錢買最新型號!
  Save money to buy a new one.

• C. 符合 budget 嘅型號
  Choose a model that fits your budget.

Answer explanation

Be aware, knowing how to use future money is crucial! Remember to spend wisely!

「火箭公司」股票會爆升…
The "Rocket Company" stock will skyrocket…

討論區有多投資意見，
There are many investment opinions in the discussion forum,

你會點做？
What will you do?

• A. 跟住先講，唔好sit底!
  Follow it!

• B. 當然自己分析過先啦
  Make sure to analyze it yourself first

• C. 問下網友意見先啦!

  Ask for online's comments

Answer explanation

Make sure to be careful!
Social media discussions can influence your emotions and decisions.
Investing requires careful consideration and analysis!

如果爭$20,000卡數，一直只還Min Pay, 沒有新的簽帳,大約多久才能還清?

If you need to pay $20,000 credit card payment ,

how long will it take to reach min pay?

• A. Few Months

  幾個月

• B. 1 Year

  一年

• C. Few years

  幾年

• D.20 years

  十幾二十年

Answer explanation

Do you know the calculations?

Credit card interest rates are generally around 35% per year. The minimum payment will only cause the debt to continue to grow larger, which is quite frustrating!

打開發現條數好大，原來上個月使太多了！
你會點做？

Realizing the expenses are high, it turns out I spent too much last month!
What will you do?

• A. 清曬卡數先，今個月節省一些!　Reduce the credit card debt first and save this month

• B. 找住部份先，分幾個月攤還　

  Pay part of it first and spread the repayments over a few months

• C. 只還min pay，遲些再算. Pay the minimum amount and handle it later

Answer explanation

Hey, it's essential to pay off your credit card balance every month; otherwise, you'll end up with debt!

另一半提議周年紀念去全境最大嘅打卡酒店staycation，你會點答？
Your boy/girlfriend suggested going to the most popular hotel for a staycation for your anniversary. How would you respond?

• A. 咁hit，無論幾貴都要去

  Sure, no matter how expensive it is, we should go

• B. 好想同你去，我問朋友借住先!

  I really want to go with you, let me ask my friend for the money

• C. 好似貴咁，不如諗其他地方慶祝" It seems expensive; how about thinking of another place to celebrate?"

超低息貸款，24小時批准，幫你實現夢想，仲等咩?

Ultra-low interest loans, approved in 24 hours, helping you realize your dreams.

What are you waiting for?

• A. 還得起呀，梗係唔等啦

  I can afford it, of course I won't wait

• B. 低利息貸款，可以接受

  Low-interest loans are acceptable

• C. 借錢消費，不了

  Borrowing for consumption, no thanks"

Answer explanation

Don't be easily tempted! Whether it's credit card debt, personal loans, or buy now, pay later schemes, borrowing for consumption will make you poorer!

如果突然失去收入，你嘅儲備大約可以維持幾耐嘅生活支出？

If you suddenly have no income, how long can your savings approximately sustain your living expenses?"

• A. 1個月或以下

  1 month

• B. 3個月

  3 months

• C. 1 week

  1星期

當你看到心愛的音響套裝有大折扣時，但是存款簿足夠, 應該怎麼做？

When you see a big discount, what should you do?

• A. 立即問家人借錢購買，因為這是一個難得的機會 (Buy it immediately because it's a rare opportunity)

• B. 再想一想，確定自己是否真的需要這個物品 (Think it over and determine if you really need the item)

• C. 用信用卡付款，之後再慢慢還 (Pay with a credit card and repay later)

• D. 不用考慮，機會稍縱即逝 (Don’t hesitate because the opportunity may be gone)

Answer explanation

購物前應該冷靜思考，避免衝動購物，確保這是你真正需要的東西。

It’s important to think carefully before buying to avoid impulsive purchases and ensure it’s something you truly need.

根據《窮爸爸富爸爸》的觀點，資產是指什麼？

According to Rich Dad Poor Dad, what is an asset?

• A. 讓你花錢的東西 (Something that makes you spend money)

• B. 能為你帶來收入的東西 (Something that brings you income)

• C. 你擁有的所有東西 (Everything you own)

• D. 只是在銀行的存款 (Only money in the bank)

Answer explanation

能為你帶來收入的東西 (Something that brings you income)

資產是那些能夠把錢放進你口袋的東西，比如租金收入、股息或業務收入。

Assets are things that put money in your pocket, like rental income, dividends, or business profits.

富爸爸認為財務自由的關鍵是什麼？

What does Rich Dad consider the key to financial freedom?

• A. 擁有高收入的工作 (Having a high-paying job)

• B. 創造被動收入 (Creating passive income)

• C. 儲蓄每一分錢 (Saving every penny)

• D. 勤奮工作 (Working hard)

Answer explanation

B. 創造被動收入 (Creating passive income)

財務自由的關鍵是擁有能夠產生被動收入的資產，這樣即使不工作也能獲得收入。

The key to financial freedom is owning assets that generate passive income, so you can earn money even when you're not working.