F2F Class Notes (Tibo)

when you get up and go to office, afternoon 2 times and come back home one.
China is very busy , don’t like to eat cheese
Just milk, and cook steak put butter. If no eat steak china food doesn’t need butter.
my bank leader thinks it will go up. / increase
the saving account interest rate is low.

They drink coffee when they get up and go to the office, and twice in the afternoon and once when they come back home.

Work in China is very busy. I don’t like to eat cheese.
Chinese people just drink milk, and use butter when they cook steaks.
If you don’t eat steaks you don’t need butter.

my bank leader thinks it will go up. / increase. / he thinks the CCB will raise the interest rate.
the saving account interest rate is low.

Vocabulary

to raise (v)举起
I raised my hand to answer the question

to rise (v)上升
The sun rises in the morning

sunrise (n)
I never watch the sunrise because it is too early.

management fee (n) money you pay to a company for them to manage your money
The bank takes a 1% management fee

fee (n) 服务费 ／ 费用
I pay a 1% fee to my financial consultant

free (adj) 免费 / 空的
We can meet if you are free
The coffee was free because it was my birthday

commission (n) payment on a sale
The salesman takes a 2% commission

financial consultant (n) 理财
I met a financial consultant to do some investments

cryptocurrency （n)  密码比
Bitcoin is the biggest cryptocurrency

to lend (v) 借出
The bank lends me money

loan (n)借款
I took a loan to buy a house

portfolio (n)投资组合
20% of my portfolio is in high risk assets

FED (n) (Federal Reserve) (American central bank)

ECB (European Central Bank)

CCB (Chinese central bank)

central bank (n) 中央银行
The central bank will increase the interest rate

spoon (n) 勺子
I use a spoon to eat yogurt

calcium (n) 钙
You need calcium for your bones

dairy products (n) 奶制品
People buy more dairy products in the west