Money and finance: advanced 金融理财：高级

手机丢了，能理赔吗？

Shǒujī diū le, néng lǐpéi ma?

My phone is lost. Can I make a claim for it?

保险公司已经同意理赔了。

Bǎoxiǎngōngsī yǐjīng tóngyì lǐpéile.

The insurance company has already agreed to settle the claim.

你每月要交多少保费？

Nǐ měiyuè yào jiāo duōshǎo bǎofèi?

How much do you pay in premiums every month?

年纪越大，保费就越高。

Niánjì yuè dà, bǎofèi jiù yuè gāo.

The older you get, the higher the premium is.

通货膨胀时，买黄金能保值吗？

Tōnghuòpéngzhàng shí, mǎi huángjīn néng bǎozhí ma?

When inflation is high, can buying gold preserve your wealth?

我爸爸觉得买房子比存钱更保值。

Wǒ bàba juéde mǎi fángzi bǐ cúnqián gèng bǎozhí.

My dad thinks buying a house holds its value better than saving money.

我想在银行开户。

Wǒ xiǎng zài yínháng kāihù.

I'd like to open an account at the bank.

开户需要带什么证件？

Kāihù xūyào dài shénme zhèngjiàn?

What documents do I need to bring to open an account?

请人代购要付手续费吗？

Qǐng rén dàigòu yào fù shǒuxùfèi ma?

Do you have to pay a service fee to have someone buy things for you?

银行收取了高额的手续费。

Yínháng shōuqǔle gāo'é de shǒuxùfèi.

The bank charged a large handling fee.

复利的力量，时间越长越明显。

Fùlì de lìliang, shíjiān yuè cháng yuè míngxiǎn.

The power of compound interest becomes more obvious the longer the time.

你会看公司的现金流吗？

Nǐ huì kàn gōngsī de xiànjīnliú ma?

Do you know how to read a company's cash flow?

你觉得多少钱才算财务自由？

Nǐ juéde duōshǎo qián cái suàn cáiwùzìyóu?

How much money do you think counts as financial freedom?

要做到财务自由，不能只靠工资。

Yào zuòdào cáiwùzìyóu, bùnéng zhǐ kào gōngzī.

To reach financial freedom, you can't rely on a salary alone.