一片繁荣之下，美国信用卡违约率创造历史新高
正文翻译
评论翻译
@isendel333
Make an episode of how bad the economy in C is failing
制作一期关于C经济衰退严重程度的节目
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Make an episode of how bad the economy in C is failing
制作一期关于C经济衰退严重程度的节目
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@SeanFooGold
@isendel333 I've made it multiple times. property collapse = crushed consumption. Plus coming trade war means potential export collapse to the West. End result? They need to launch big stimulus and trade more with the BRICS.
我已经讲过很多次了。房地产崩溃=消费萎缩。而即将到来的贸易战意味着对西方的出口可能崩溃。最终结果？他们需要推出大规模刺激计划，并更多地与金砖国家进行贸易。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@isendel333 I've made it multiple times. property collapse = crushed consumption. Plus coming trade war means potential export collapse to the West. End result? They need to launch big stimulus and trade more with the BRICS.
我已经讲过很多次了。房地产崩溃=消费萎缩。而即将到来的贸易战意味着对西方的出口可能崩溃。最终结果？他们需要推出大规模刺激计划，并更多地与金砖国家进行贸易。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@grandwonder5858
"But but but we're still the greatest country on Earth!" said the arrogant and oblivious American supremacists!
“但是但是但是，我们仍然是地球上最伟大的国家！”傲慢且视而不见的美国至上主义者如是说！
"But but but we're still the greatest country on Earth!" said the arrogant and oblivious American supremacists!
“但是但是但是，我们仍然是地球上最伟大的国家！”傲慢且视而不见的美国至上主义者如是说！
@dorisganz1631
Gerald Celente has said, that more than 80 percent of the people, have no clue what is going on. This is quite shocking.
杰拉尔德·塞伦特曾说，超过80%的人不知道发生了什么。这真是令人震惊。
Gerald Celente has said, that more than 80 percent of the people, have no clue what is going on. This is quite shocking.
杰拉尔德·塞伦特曾说，超过80%的人不知道发生了什么。这真是令人震惊。
@Elementaldomain
He is being generous. It is rare that I see comments across the internet here in the U.S. that people have more than a two year old’s understanding of economics. Rude awakening coming soon to the clueless.
他这是在客气。在美国互联网上我很少看到人们对经济学有超过两岁孩子理解的评论。对于那些茫然的人来说，很快会迎来一次严酷的觉醒。
He is being generous. It is rare that I see comments across the internet here in the U.S. that people have more than a two year old’s understanding of economics. Rude awakening coming soon to the clueless.
他这是在客气。在美国互联网上我很少看到人们对经济学有超过两岁孩子理解的评论。对于那些茫然的人来说，很快会迎来一次严酷的觉醒。
@dyking2105
Considering the cost of living going up in every facet of our lives and just in the last 12 months tens of thousands being laid off. I believe people are relying on credit cards because they have little to no income to just live, primarily for home shelter.
考虑到我们生活各方面的生活成本不断上升，并且在过去12个月里有数万人被裁员。我认为人们依赖信用卡，因为他们几乎没有收入来维持生计，主要是为了住房。
Considering the cost of living going up in every facet of our lives and just in the last 12 months tens of thousands being laid off. I believe people are relying on credit cards because they have little to no income to just live, primarily for home shelter.
考虑到我们生活各方面的生活成本不断上升，并且在过去12个月里有数万人被裁员。我认为人们依赖信用卡，因为他们几乎没有收入来维持生计，主要是为了住房。
@kevinw9073
I think it is higher than that.
我认为这个比例更高。
I think it is higher than that.
我认为这个比例更高。
@johnhrenko
I`m not surprised! the average IQ in america has gone down 2 to 3 points in the last 10 years!
我一点也不惊讶！美国的平均智商在过去10年下降了2到3分！
I`m not surprised! the average IQ in america has gone down 2 to 3 points in the last 10 years!
我一点也不惊讶！美国的平均智商在过去10年下降了2到3分！
@florentinorobles5454
But if you point this out to people you're unti American @johnhrenko
但是如果你指出这一点，你就会被认为是反美的
But if you point this out to people you're unti American @johnhrenko
但是如果你指出这一点，你就会被认为是反美的
@WillowWiseman
The government through MSM have lied to Americans for decades that they are financially doing well while they are bankrupting them blind. That 80% of Americans don't know that the world left them behind 25 years ago.
政府通过主流媒体几十年来一直在欺骗美国人，说他们经济状况良好，而实际上他们正在被盲目破产。80%的美国人不知道世界在25年前已经将他们抛在了身后。
The government through MSM have lied to Americans for decades that they are financially doing well while they are bankrupting them blind. That 80% of Americans don't know that the world left them behind 25 years ago.
政府通过主流媒体几十年来一直在欺骗美国人，说他们经济状况良好，而实际上他们正在被盲目破产。80%的美国人不知道世界在25年前已经将他们抛在了身后。
@georgewilder7423
@florentinorobles5454 Unfortunately that is so true..
不幸的是，这是真的。。
@florentinorobles5454 Unfortunately that is so true..
不幸的是，这是真的。。
@zelenskythegaynazi8680
If you break it down further based on ethnicity you will find that the highest credit card debts belongs to Whites and Blacks not Asians
如果你根据种族进一步分析，你会发现最高的信用卡债务属于白人和黑人，而不是亚洲人。
If you break it down further based on ethnicity you will find that the highest credit card debts belongs to Whites and Blacks not Asians
如果你根据种族进一步分析，你会发现最高的信用卡债务属于白人和黑人，而不是亚洲人。
@albertlevinsaber6835
Maybe they know, they just dont feel the consequences yet so they continue to abuse the privilege.
The Global South will never recover the surplus of labor loss to Western big corps, lets hope they find the will to remove that privilege.
也许他们知道，只是还没有感受到后果，所以他们继续滥用这种特权。
全球南方永远无法恢复失去的劳动力，特别是流失到西方大公司。希望他们能找到取消这种特权的决心。
Maybe they know, they just dont feel the consequences yet so they continue to abuse the privilege.
The Global South will never recover the surplus of labor loss to Western big corps, lets hope they find the will to remove that privilege.
也许他们知道，只是还没有感受到后果，所以他们继续滥用这种特权。
全球南方永远无法恢复失去的劳动力，特别是流失到西方大公司。希望他们能找到取消这种特权的决心。
@f1aziz
@Elementaldomain The heavily financialised economies of the major Western world are so complex that only a few people understand them and even fewer who could easily explain them. It's not a good thing to have a clueless populace, democracy can easily turn into autocracy in the absence of educated voters making educated decisions.
主要西方国家的高度金融化经济如此复杂，只有少数人能理解它们，甚至更少的人能够轻松解释它们。没有受过教育的选民做出明智决策时，民主体制很容易变成专制，这可不是好事。
@Elementaldomain The heavily financialised economies of the major Western world are so complex that only a few people understand them and even fewer who could easily explain them. It's not a good thing to have a clueless populace, democracy can easily turn into autocracy in the absence of educated voters making educated decisions.
主要西方国家的高度金融化经济如此复杂，只有少数人能理解它们，甚至更少的人能够轻松解释它们。没有受过教育的选民做出明智决策时，民主体制很容易变成专制，这可不是好事。
@Elementaldomain
@ exactly. However, I was reading comments on a TT channel regarding the same situation and 99% of the people were blaming the educational system.
While this is true, still, the statement is interesting. People want to blame the educational system and no one brings up the question as to why people in the U.S., on their own, have zero interest in anything academic.
They aren’t banned from reading, they aren’t banned from researching across the internet.
Consequently they are technically illiterate even if they can read.
My parents bought a set of Brittanica encyclopedias when I was three. (I was born in 48)
I would look at the pictures and had an overwhelming desire to know what the writing was.
It turned into a lifelong desire to know why, what, how, who.
No one is stopping anyone in the U.S. from doing the same thing.
By the time I was in grade school I could already ascertain that if I wanted to be properly educated, school was not where I should look to. It was on me, even at six years old I recognized that.
I am astounded that most people have no desire to learn. They forever are content to have no understanding of how their country works, how the UniVerse works?
The problem is not the educational system.
This is why the U.S. cannot, and never will, be able to compete with China. Education is paramount in China.
Children in grade school are already learning a second language. They are competent in maths by the end of grade school. They engage in complex physical education even as kindergartners, so mastery in hand to eye coordination is learned early.
完全正确。然而，我在一个TT频道上看到关于相同情况的评论，99%的人都在指责教育系统。
虽然这是真的，但这个说法也很有意思。人们想要归咎于教育系统，却没有人提到为什么美国人自己对学术毫无兴趣。
他们并不是被禁止阅读，也不是被禁止在互联网上研究。
因此，即使他们能读书，他们实际上还是文盲。
我三岁时，我父母给我买了一套《大英百科全书》。（我出生于48年）
我会看图片，并且强烈渴望知道那些文字的含义。
这转变成了我终生渴望了解为什么、什么、怎么、谁的问题。
没有人阻止美国人做同样的事。
等到我上小学时，我已经能意识到，如果我想接受适当的教育，学校不是我该寻求的地方。这是我的责任，甚至六岁时我就认识到了这一点。
我很惊讶，大多数人都没有学习的欲望。他们永远满足于不了解自己的国家如何运作，如何运作宇宙？
问题不在于教育系统。
这就是为什么美国无法，也永远无法与中国竞争的原因。教育在中国至关重要。
小学的孩子已经在学第二语言，到了小学毕业时，他们已经能掌握数学。他们甚至在幼儿园就参与复杂的体育锻炼，因此手眼协调的能力在早期就学会了。
@ exactly. However, I was reading comments on a TT channel regarding the same situation and 99% of the people were blaming the educational system.
While this is true, still, the statement is interesting. People want to blame the educational system and no one brings up the question as to why people in the U.S., on their own, have zero interest in anything academic.
They aren’t banned from reading, they aren’t banned from researching across the internet.
Consequently they are technically illiterate even if they can read.
My parents bought a set of Brittanica encyclopedias when I was three. (I was born in 48)
I would look at the pictures and had an overwhelming desire to know what the writing was.
It turned into a lifelong desire to know why, what, how, who.
No one is stopping anyone in the U.S. from doing the same thing.
By the time I was in grade school I could already ascertain that if I wanted to be properly educated, school was not where I should look to. It was on me, even at six years old I recognized that.
I am astounded that most people have no desire to learn. They forever are content to have no understanding of how their country works, how the UniVerse works?
The problem is not the educational system.
This is why the U.S. cannot, and never will, be able to compete with China. Education is paramount in China.
Children in grade school are already learning a second language. They are competent in maths by the end of grade school. They engage in complex physical education even as kindergartners, so mastery in hand to eye coordination is learned early.
完全正确。然而，我在一个TT频道上看到关于相同情况的评论，99%的人都在指责教育系统。
虽然这是真的，但这个说法也很有意思。人们想要归咎于教育系统，却没有人提到为什么美国人自己对学术毫无兴趣。
他们并不是被禁止阅读，也不是被禁止在互联网上研究。
因此，即使他们能读书，他们实际上还是文盲。
我三岁时，我父母给我买了一套《大英百科全书》。（我出生于48年）
我会看图片，并且强烈渴望知道那些文字的含义。
这转变成了我终生渴望了解为什么、什么、怎么、谁的问题。
没有人阻止美国人做同样的事。
等到我上小学时，我已经能意识到，如果我想接受适当的教育，学校不是我该寻求的地方。这是我的责任，甚至六岁时我就认识到了这一点。
我很惊讶，大多数人都没有学习的欲望。他们永远满足于不了解自己的国家如何运作，如何运作宇宙？
问题不在于教育系统。
这就是为什么美国无法，也永远无法与中国竞争的原因。教育在中国至关重要。
小学的孩子已经在学第二语言，到了小学毕业时，他们已经能掌握数学。他们甚至在幼儿园就参与复杂的体育锻炼，因此手眼协调的能力在早期就学会了。
@Reikialchemieesthetix
@florentinorobles5454 nothing wrong with being anti-american. I'm American and I am anti myself
反美并没有错。我是美国人，我也反对我自己。
@florentinorobles5454 nothing wrong with being anti-american. I'm American and I am anti myself
反美并没有错。我是美国人，我也反对我自己。
@SagittarianArrows
Rich Dad Poor Dad has been saying this for years. Over and over.
《富爸爸穷爸爸》多年来一直在说这个问题，反复强调。
Rich Dad Poor Dad has been saying this for years. Over and over.
《富爸爸穷爸爸》多年来一直在说这个问题，反复强调。
@michaelholt7994
The amount owed on credit cards in America is unbelieveably shocking,
美国信用卡欠款的金额令人震惊。
The amount owed on credit cards in America is unbelieveably shocking,
美国信用卡欠款的金额令人震惊。
@Finness894
Most people have No Idea how to be Responsible for their actions. They can't identify what is a "want" and what is a "need".
大多数人不知道如何对自己的行为负责。他们无法区分什么是“想要”和什么是“需要”。
Most people have No Idea how to be Responsible for their actions. They can't identify what is a "want" and what is a "need".
大多数人不知道如何对自己的行为负责。他们无法区分什么是“想要”和什么是“需要”。
@fillyjamalama5201
It's true; Christmas shopping is not a "need"@Finness894
这是真的；圣诞购物并不是“必需品”
It's true; Christmas shopping is not a "need"@Finness894
这是真的；圣诞购物并不是“必需品”
@oneofmany1087
For only 2.00 dollars a day. yes you can help feed an american
每天只需要2美元，你就可以帮助养活一个美国人。
For only 2.00 dollars a day. yes you can help feed an american
每天只需要2美元，你就可以帮助养活一个美国人。
@dinf8940
divide it by population for a sense of scale 170e9 'paid' *in interest* / 370e6 = ~460e3 per citizen @ ~23%apr => thats 2mil of credit card debt per citizen equivalent what? how? what?!??
its beyond shocking, it does not compute
把它除以人口，感受一下规模：170亿“支付的”*利息* / 3.7亿 = 每个公民约46万美元 大约23%年利率 => 这相当于每个公民有200万美元的信用卡债务，怎么可能？这简直令人震惊，完全不合逻辑。
divide it by population for a sense of scale 170e9 'paid' *in interest* / 370e6 = ~460e3 per citizen @ ~23%apr => thats 2mil of credit card debt per citizen equivalent what? how? what?!??
its beyond shocking, it does not compute
把它除以人口，感受一下规模：170亿“支付的”*利息* / 3.7亿 = 每个公民约46万美元 大约23%年利率 => 这相当于每个公民有200万美元的信用卡债务，怎么可能？这简直令人震惊，完全不合逻辑。
@MF-qf7bs
I had a credit card from a big box store that spelt my name wrong. No amount of calling and asking them to fix this did anything. So I paid it off. They somehow came up with $6.08 balance which I just ignored like they ignored me. So the next billing cycle they charged me the $6.08 plus a $32.00 late charge. And they continued to add the late charge to balance. So I guess the balance somehow got up to $200plus before it went into collection. I'm never going to pay this. Ever. They threaten me with it adversely effect my credit rating, which was at 804 is now 760. Big freaking whoop.
我曾有一张大商场的信用卡，上面把我的名字拼错了。无论我打多少次电话要求他们改正，他们都没有做任何处理。所以我把账单付清了。然后他们提出了6.08美元的余额问题，我像他们忽视我一样也忽略了这个余额。
接下来的账单周期，他们把6.08美元加上32.00美元的滞纳金。我永远不会支付这笔费用，绝对不会。
他们威胁我这会影响我的信用评分，原本是804，现在降到了760。真是太不可思议了。
I had a credit card from a big box store that spelt my name wrong. No amount of calling and asking them to fix this did anything. So I paid it off. They somehow came up with $6.08 balance which I just ignored like they ignored me. So the next billing cycle they charged me the $6.08 plus a $32.00 late charge. And they continued to add the late charge to balance. So I guess the balance somehow got up to $200plus before it went into collection. I'm never going to pay this. Ever. They threaten me with it adversely effect my credit rating, which was at 804 is now 760. Big freaking whoop.
我曾有一张大商场的信用卡，上面把我的名字拼错了。无论我打多少次电话要求他们改正，他们都没有做任何处理。所以我把账单付清了。然后他们提出了6.08美元的余额问题，我像他们忽视我一样也忽略了这个余额。
接下来的账单周期，他们把6.08美元加上32.00美元的滞纳金。我永远不会支付这笔费用，绝对不会。
他们威胁我这会影响我的信用评分，原本是804，现在降到了760。真是太不可思议了。
@Dennis0824
@Finness894 The average consumer has had no basic finance education. This is by design. Keep the people dumb and spending whatever they can.
普通消费者没有接受过基本的财经教育。这是有意为之。让人民愚昧无知，任由他们挥霍一切。
@Finness894 The average consumer has had no basic finance education. This is by design. Keep the people dumb and spending whatever they can.
普通消费者没有接受过基本的财经教育。这是有意为之。让人民愚昧无知，任由他们挥霍一切。
@hirosese
@oneofmany1087add 2 extra digits need a big mac
再加两个数字就能买一个巨无霸了。
@oneofmany1087add 2 extra digits need a big mac
再加两个数字就能买一个巨无霸了。
@TheRobynbrown
@Finness894 I think it's gone beyond that - these days it's easy for poor people to identify that they "need" food!
我认为已经超出了这个范围——如今穷人很容易就能识别出他们“需要”食物！
@Finness894 I think it's gone beyond that - these days it's easy for poor people to identify that they "need" food!
我认为已经超出了这个范围——如今穷人很容易就能识别出他们“需要”食物！
@gelinrefira
It's not that shocking when you realize that the Americans have no more savings, they are living paycheck to paycheck and increasingly unable to even afford the basic necessities.
当你意识到美国人已经没有储蓄，他们活得靠薪水过日，越来越无法负担基本生活需求时，这其实并不那么令人震惊。
It's not that shocking when you realize that the Americans have no more savings, they are living paycheck to paycheck and increasingly unable to even afford the basic necessities.
当你意识到美国人已经没有储蓄，他们活得靠薪水过日，越来越无法负担基本生活需求时，这其实并不那么令人震惊。
@ssrae-2229
In Malaysia only the rich middle-class owns credit cards -- the low-income use Debit cards (no credit in advance))
在马来西亚 只有富有的中产阶级拥有信用卡——低收入人群使用借记卡（没有提前信用）。
In Malaysia only the rich middle-class owns credit cards -- the low-income use Debit cards (no credit in advance))
在马来西亚 只有富有的中产阶级拥有信用卡——低收入人群使用借记卡（没有提前信用）。
@ClovisPoint
if you cannot manage a piece of plastic ,you are the problem not the plastic
如果你不能管理一张信用卡，那问题出在你，而不是这张卡。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
if you cannot manage a piece of plastic ,you are the problem not the plastic
如果你不能管理一张信用卡，那问题出在你，而不是这张卡。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@q09876543
@rap3208 I learned a very valuable lesson. Don't own a car. In my twenty years of dealing with cars, I found that I had paid out about 95,000 dollars for it. When I was young, I was under the idea that if you take care of your car, it will take care of you. I found out it was a lie. The company that makes the cars puts a chip in the motor, so when that motor gets to a certain age, the chip sends a message tobyou through the car, that you have a problem with your engine. You take the car in, and you get the bad news that you need a new engine. The cost of getting a new engine is almost the same price as a new car. By the way, the company puts that chip in such a way that you can not replace it. This way, you realize that you no longer can trust the company, nor the car. The big issue is that ALL car companies practice this trick.
我学到了一个非常宝贵的教训。不要拥有一辆车。在我处理汽车的20年里，我发现自己大约花了9.5万美元。年轻时，我认为如果你照顾好车，它也会照顾你。但我发现那是个谎言。制造汽车的公司在发动机上放了一个芯片，当发动机达到一定年龄时，芯片会通过车子向你发出信号，告诉你发动机出现问题。
你把车送修，得到的坏消息是，你需要一个新发动机。换一个新发动机的费用几乎和买一辆新车一样。顺便说一句，公司把芯片做得你无法更换。这样，你意识到你再也不能信任这家公司和这辆车了。问题在于，所有汽车公司都在用这种手段。
@rap3208 I learned a very valuable lesson. Don't own a car. In my twenty years of dealing with cars, I found that I had paid out about 95,000 dollars for it. When I was young, I was under the idea that if you take care of your car, it will take care of you. I found out it was a lie. The company that makes the cars puts a chip in the motor, so when that motor gets to a certain age, the chip sends a message tobyou through the car, that you have a problem with your engine. You take the car in, and you get the bad news that you need a new engine. The cost of getting a new engine is almost the same price as a new car. By the way, the company puts that chip in such a way that you can not replace it. This way, you realize that you no longer can trust the company, nor the car. The big issue is that ALL car companies practice this trick.
我学到了一个非常宝贵的教训。不要拥有一辆车。在我处理汽车的20年里，我发现自己大约花了9.5万美元。年轻时，我认为如果你照顾好车，它也会照顾你。但我发现那是个谎言。制造汽车的公司在发动机上放了一个芯片，当发动机达到一定年龄时，芯片会通过车子向你发出信号，告诉你发动机出现问题。
你把车送修，得到的坏消息是，你需要一个新发动机。换一个新发动机的费用几乎和买一辆新车一样。顺便说一句，公司把芯片做得你无法更换。这样，你意识到你再也不能信任这家公司和这辆车了。问题在于，所有汽车公司都在用这种手段。
@Zerpentsa6598
Global South can pay. No sweat.
全球南方国家可以支付的，没问题。
Global South can pay. No sweat.
全球南方国家可以支付的，没问题。
@amaknusa9212
Australian personal debt is much the same.
澳大利亚的个人债务也差不多。
Australian personal debt is much the same.
澳大利亚的个人债务也差不多。
@lionkhan6141
the century of shame has begun for USA and Europe.
美国和欧洲的耻辱世纪已经开始。
the century of shame has begun for USA and Europe.
美国和欧洲的耻辱世纪已经开始。
@theasianjaywalker4455
Nope, overall they're doing well by any kind of world standards. Europe isn't a country but within Europe some countries will decline while others will see a strong century coming on. The USA though, is by far in the best possible place as will Canada and Mexico beside it. But they aren't Chinese so they don't have a 'Shame Culture' and don't think about 'shame' or name periods 'times of shame' etc. That's what East Asia people do and low-thinking types.
不，从全球标准来看，他们总体上做得不错。欧洲不是一个国家，但欧洲内部，一些国家会衰退，而其他一些国家将迎来强劲的世纪。美国无疑是处于最有利的位置，加拿大和墨西哥也一样。但他们不是中国人，因此没有“耻辱文化”，不会考虑“羞耻”或将某些时期称为“耻辱时刻”。这是东亚人做的事情，属于低层次的思维方式。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Nope, overall they're doing well by any kind of world standards. Europe isn't a country but within Europe some countries will decline while others will see a strong century coming on. The USA though, is by far in the best possible place as will Canada and Mexico beside it. But they aren't Chinese so they don't have a 'Shame Culture' and don't think about 'shame' or name periods 'times of shame' etc. That's what East Asia people do and low-thinking types.
不，从全球标准来看，他们总体上做得不错。欧洲不是一个国家，但欧洲内部，一些国家会衰退，而其他一些国家将迎来强劲的世纪。美国无疑是处于最有利的位置，加拿大和墨西哥也一样。但他们不是中国人，因此没有“耻辱文化”，不会考虑“羞耻”或将某些时期称为“耻辱时刻”。这是东亚人做的事情，属于低层次的思维方式。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@williamshaw5388
Let’s hope.
我们希望如此。
Let’s hope.
我们希望如此。
@Justme-t9r
Nope.
不。
Nope.
不。
@ShinjiKataoka
Yes, the writings are on the walls for the entire western world countries
是的，西方所有国家的命运已经写在墙上。
Yes, the writings are on the walls for the entire western world countries
是的，西方所有国家的命运已经写在墙上。
@Jeffyinthehills
If the West falls, so does the world. The world's economy depends on Western consumerism.
如果西方崩溃，整个世界也会随之崩溃。世界经济依赖于西方的消费主义。
If the West falls, so does the world. The world's economy depends on Western consumerism.
如果西方崩溃，整个世界也会随之崩溃。世界经济依赖于西方的消费主义。
@MY9999MY
The faster, the better!
越快越好！
The faster, the better!
越快越好！
@volfi123
Europe has been declining since the 1930s.
欧洲自1930年代以来一直在衰退。
Europe has been declining since the 1930s.
欧洲自1930年代以来一直在衰退。
@deanedonaghy243
I had a credit card once, but only once and I cut it up. Credit is a curse. I'm now a age pensioner with no debt, a few dollars in the bank, and I can still save a little every week because I am not an impulse buyer, I ignore the advertising assaults, and live within my means.
我曾有过一张信用卡，但只有一次，我把它剪掉了。信用是一种诅咒。我现在是退休人员，没有债务，银行里只有几美元，但我每周依然能存一点钱，因为我不是冲动购物者，我忽略广告的诱惑，过着量入为出的生活。
I had a credit card once, but only once and I cut it up. Credit is a curse. I'm now a age pensioner with no debt, a few dollars in the bank, and I can still save a little every week because I am not an impulse buyer, I ignore the advertising assaults, and live within my means.
我曾有过一张信用卡，但只有一次，我把它剪掉了。信用是一种诅咒。我现在是退休人员，没有债务，银行里只有几美元，但我每周依然能存一点钱，因为我不是冲动购物者，我忽略广告的诱惑，过着量入为出的生活。
@theprophet489
67yrs young retired and never had a credit in my life
67岁退休，从未拥有过信用。
67yrs young retired and never had a credit in my life
67岁退休，从未拥有过信用。
@Finness894
Very well said. Most people have no idea how to live within their means. They can't identify Want from Need. Cheers !
说得非常好。大多数人不知道如何量入为出。他们无法区分“想要”和“需要”。干杯！
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Very well said. Most people have no idea how to live within their means. They can't identify Want from Need. Cheers !
说得非常好。大多数人不知道如何量入为出。他们无法区分“想要”和“需要”。干杯！
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@silenciothequiet3471
Good on you but the building financial tsunami goes beyond living within your means. Did you miss the part where even people with 6 figures yearly salary are surviving through their credit cards? The current economic conditions are not entirely comparable to the past ones. Not all people are financially irresponsible you know...
做得好，但逐渐加剧的金融海啸已经超出了量入为出的范畴。你是否忽略了这样一个事实，许多年薪六位数的人也在依赖信用卡生活？当前的经济状况与过去完全不同。并不是所有人都是不负责任的财务管理者。
Good on you but the building financial tsunami goes beyond living within your means. Did you miss the part where even people with 6 figures yearly salary are surviving through their credit cards? The current economic conditions are not entirely comparable to the past ones. Not all people are financially irresponsible you know...
做得好，但逐渐加剧的金融海啸已经超出了量入为出的范畴。你是否忽略了这样一个事实，许多年薪六位数的人也在依赖信用卡生活？当前的经济状况与过去完全不同。并不是所有人都是不负责任的财务管理者。
@jackshultz2024
I’m an old guy too. I remember when credit cards were a novelty. Not any more. They are a necessity. There are many businesses that can’t deal with cash any longer. You must have either a card or debit card to deal with them.
我也是个老家伙。我记得以前信用卡还是新奇的东西，但现在已经不再是了。它们变成了必需品。许多商家现在根本不能处理现金交易。你必须有信用卡或借记卡才能与他们交易。
I’m an old guy too. I remember when credit cards were a novelty. Not any more. They are a necessity. There are many businesses that can’t deal with cash any longer. You must have either a card or debit card to deal with them.
我也是个老家伙。我记得以前信用卡还是新奇的东西，但现在已经不再是了。它们变成了必需品。许多商家现在根本不能处理现金交易。你必须有信用卡或借记卡才能与他们交易。
@paulbunyon6324
@jackshultz2024 then don't deal with them. They will re-learn how to use cash if enough people stop conforming to them.
那就别和他们打交道。如果足够多人停止迁就他们，他们就会重新学会使用现金。
@jackshultz2024 then don't deal with them. They will re-learn how to use cash if enough people stop conforming to them.
那就别和他们打交道。如果足够多人停止迁就他们，他们就会重新学会使用现金。
@randygraham926
We love these Horatio Alger's stories .... keep them coming! There is nothing going on the world that biting the bullet won't fix!
我们喜欢这些Horatio Alger的故事……继续讲下去！世界上没有什么事情是咬紧牙关不能解决的！
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
We love these Horatio Alger's stories .... keep them coming! There is nothing going on the world that biting the bullet won't fix!
我们喜欢这些Horatio Alger的故事……继续讲下去！世界上没有什么事情是咬紧牙关不能解决的！
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@christinachoong3777
Well done !
做得好！
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Well done !
做得好！
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@Vestigexx
Debt is one of the best things, not knowing how to use it is the problem.
债务是最好的事情之一，问题在于不知道如何利用它。
Debt is one of the best things, not knowing how to use it is the problem.
债务是最好的事情之一，问题在于不知道如何利用它。
@ashfield1425
It’s important you get one. It’s the only way to protect yourself with products you buy or services. The only thing you need to do is pay it off immediately.
你必须拥有一张信用卡，这是保护你购买的商品或服务的唯一方式。你需要做的就是立刻把账单付清。
It’s important you get one. It’s the only way to protect yourself with products you buy or services. The only thing you need to do is pay it off immediately.
你必须拥有一张信用卡，这是保护你购买的商品或服务的唯一方式。你需要做的就是立刻把账单付清。
@lornamackay4069
@silenciothequiet3471 No, I do not believe that people with six-figure incomes are unable to survive except by going into debt. A lot of what is considered as a necessity is actually a luxury. If you are paying too much mortgage or rent - you need to downgrade your housing. If your utilities are too high, you need to turn down your thermostat, use less water, etc. If you own your own home, plant a garden.... many people are unwilling to lower their expectations in order to live within their means.
不，我不相信年收入六位数的人非得依靠负债才能生存。很多被认为是必需品的东西其实是奢侈品。如果你的房贷或租金太高——你需要降低住房标准。如果你的水电费太高，你需要调低温控，少用水等等。如果你有自己的房子，可以种个菜园……许多人不愿降低自己的期望，以便量入为出。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@silenciothequiet3471 No, I do not believe that people with six-figure incomes are unable to survive except by going into debt. A lot of what is considered as a necessity is actually a luxury. If you are paying too much mortgage or rent - you need to downgrade your housing. If your utilities are too high, you need to turn down your thermostat, use less water, etc. If you own your own home, plant a garden.... many people are unwilling to lower their expectations in order to live within their means.
不，我不相信年收入六位数的人非得依靠负债才能生存。很多被认为是必需品的东西其实是奢侈品。如果你的房贷或租金太高——你需要降低住房标准。如果你的水电费太高，你需要调低温控，少用水等等。如果你有自己的房子，可以种个菜园……许多人不愿降低自己的期望，以便量入为出。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@q09876543
Credit cards are ok, as long as you pay them off. The thing is, the companies you shop at, they are charged for taking credit cards. So in order to reclaim their loss, they charge you when you buy your groceries (whether or not you use credit cards). By using a credit card, you can reclaim the money you pay out.
信用卡没问题，只要你按时还款。问题在于，你购物的商家需要为接受信用卡支付而支付费用。因此，为了弥补他们的损失，当你买东西时，他们会向你收取费用（无论你是否使用信用卡）。通过使用信用卡，你可以回收你支付出去的钱。
Credit cards are ok, as long as you pay them off. The thing is, the companies you shop at, they are charged for taking credit cards. So in order to reclaim their loss, they charge you when you buy your groceries (whether or not you use credit cards). By using a credit card, you can reclaim the money you pay out.
信用卡没问题，只要你按时还款。问题在于，你购物的商家需要为接受信用卡支付而支付费用。因此，为了弥补他们的损失，当你买东西时，他们会向你收取费用（无论你是否使用信用卡）。通过使用信用卡，你可以回收你支付出去的钱。
@rap3208
When I got to the US 35 years ago, the first thing I noticed was how many credit cards people had. I thought it was odd that people had them and were using them so much. My own personal preference has always been to pay cash. I hate interest and fees.
35年前我到达美国时，第一件事就是注意到人们有多少信用卡。我觉得人们拥有并且频繁使用信用卡很奇怪。我个人一直更喜欢付现金。我讨厌利息和费用。
When I got to the US 35 years ago, the first thing I noticed was how many credit cards people had. I thought it was odd that people had them and were using them so much. My own personal preference has always been to pay cash. I hate interest and fees.
35年前我到达美国时，第一件事就是注意到人们有多少信用卡。我觉得人们拥有并且频繁使用信用卡很奇怪。我个人一直更喜欢付现金。我讨厌利息和费用。
@achangyw
An excellent example for all in USA to imitate.
这是美国所有人可以效仿的一个极好例子。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
An excellent example for all in USA to imitate.
这是美国所有人可以效仿的一个极好例子。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@kenlee1416
Grr. I hate credit too because some "smart" people have been using credit at very low interest rates to build humongous wealth, especially by purchasing properties (real estate) with rentals that cover a big percentage of their debt obligations to the banks. I'm a net saver, earning a bl000dy #@! pittance from my bank accounts....subsidising those who smartly use credit.
呃，我也讨厌信用卡，因为一些“聪明”的人利用非常低的利率来通过信用建立巨额财富，尤其是通过购买房地产（不动产），用租金来支付大部分的银行债务。我是一个净储户，银行账户里的利息少得可怜……却在资助那些聪明使用信用的人。
Grr. I hate credit too because some "smart" people have been using credit at very low interest rates to build humongous wealth, especially by purchasing properties (real estate) with rentals that cover a big percentage of their debt obligations to the banks. I'm a net saver, earning a bl000dy #@! pittance from my bank accounts....subsidising those who smartly use credit.
呃，我也讨厌信用卡，因为一些“聪明”的人利用非常低的利率来通过信用建立巨额财富，尤其是通过购买房地产（不动产），用租金来支付大部分的银行债务。我是一个净储户，银行账户里的利息少得可怜……却在资助那些聪明使用信用的人。
@deanedonaghy243
@Finness894 Exactly. There is a big difference between want and need, and too many people just don't get the difference and get sucked into the banks trap of easy money, aka credit.
没错。想要和需要之间有很大的区别，很多人根本不明白这个区别，反而陷入银行“容易赚钱”的陷阱，也就是信用卡。
@Finness894 Exactly. There is a big difference between want and need, and too many people just don't get the difference and get sucked into the banks trap of easy money, aka credit.
没错。想要和需要之间有很大的区别，很多人根本不明白这个区别，反而陷入银行“容易赚钱”的陷阱，也就是信用卡。
@mystictraveler8642
These credit card companies with their crazy interest rates is a slow death to people. It's so inhumane I can't even believe it's allowed.
这些信用卡公司高得离谱的利率对人们来说是慢性死亡。它太不人道了，我简直无法相信它居然被允许存在。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
These credit card companies with their crazy interest rates is a slow death to people. It's so inhumane I can't even believe it's allowed.
这些信用卡公司高得离谱的利率对人们来说是慢性死亡。它太不人道了，我简直无法相信它居然被允许存在。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@jamesgreen1116
Many people don't bother paying it back at all though people who own nothing, especially in Britain were the credit card companies can do virtually nothing to get it back.
不过，许多人根本不打算偿还债务，尤其是在英国，那些一无所有的人，信用卡公司几乎无能为力。
Many people don't bother paying it back at all though people who own nothing, especially in Britain were the credit card companies can do virtually nothing to get it back.
不过，许多人根本不打算偿还债务，尤其是在英国，那些一无所有的人，信用卡公司几乎无能为力。
@rioriggs3568
Well... People should self control and not spend money they don't have!
嗯……人们应该自我控制，不要花自己没有的钱！
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Well... People should self control and not spend money they don't have!
嗯……人们应该自我控制，不要花自己没有的钱！
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@jamesgreen1116
@rioriggs3568 if these people think they are getting free money then naturally they are going to spend it. It probably happens all over the world.
如果这些人以为他们得到了免费的钱，那自然会花掉它。可能全世界都发生这种事。
@rioriggs3568 if these people think they are getting free money then naturally they are going to spend it. It probably happens all over the world.
如果这些人以为他们得到了免费的钱，那自然会花掉它。可能全世界都发生这种事。
@lactusgalacto1174
The US Goverment likes it that way to keep people poor, using a credit card with a high Usury rate.
美国政府喜欢这种方式，用高利贷的信用卡让人们保持贫穷。
The US Goverment likes it that way to keep people poor, using a credit card with a high Usury rate.
美国政府喜欢这种方式，用高利贷的信用卡让人们保持贫穷。
@cvgodd1432
I saw 30% interest last time I opened a credit card offer. I learned the hard way in my 20s. Just stay away from CC if you can. I understand in an emergency it will save you hit that interest will have you in debt for decades.
上次我打开信用卡优惠时，看到的利率是30%。我在二十多岁时吃了很多苦头。尽量远离信用卡吧。如果是紧急情况，信用卡能帮你度过难关，但那高得离谱的利率会让你负债累积几十年。
I saw 30% interest last time I opened a credit card offer. I learned the hard way in my 20s. Just stay away from CC if you can. I understand in an emergency it will save you hit that interest will have you in debt for decades.
上次我打开信用卡优惠时，看到的利率是30%。我在二十多岁时吃了很多苦头。尽量远离信用卡吧。如果是紧急情况，信用卡能帮你度过难关，但那高得离谱的利率会让你负债累积几十年。
@jackshultz2024
@rioriggs3568 and simply allow themselves to starve to death or freeze because they don’t have the money?
就这样让自己饿死或者冻死，因为他们没有钱吗？
@rioriggs3568 and simply allow themselves to starve to death or freeze because they don’t have the money?
就这样让自己饿死或者冻死，因为他们没有钱吗？
@Elementaldomain
As long as people want to pretend everything is “mostly” fine, and they keep trying to prop up their now unsustainable lifestyle by using credit….they are just building a bigger wall they will hit in the future. At some point you have to face reality. The reality now, the reality of the future. Cut it all loose now….people are just postponing the big hurt.
只要人们还想假装一切“基本上”都还好，并且继续通过信用卡支撑他们现在无法持续的生活方式……他们就是在为自己未来撞上的巨大壁垒垒砌更多砖块。最终，你必须面对现实。现在的现实，未来的现实。现在就该放下这一切……人们只是在推迟最终的痛苦。
As long as people want to pretend everything is “mostly” fine, and they keep trying to prop up their now unsustainable lifestyle by using credit….they are just building a bigger wall they will hit in the future. At some point you have to face reality. The reality now, the reality of the future. Cut it all loose now….people are just postponing the big hurt.
只要人们还想假装一切“基本上”都还好，并且继续通过信用卡支撑他们现在无法持续的生活方式……他们就是在为自己未来撞上的巨大壁垒垒砌更多砖块。最终，你必须面对现实。现在的现实，未来的现实。现在就该放下这一切……人们只是在推迟最终的痛苦。
@AlphaSorceror
It’s business. Don’t slam the lender. Borrowers can choose not to borrow. Lenders are allowed to tempt as long as it’s within legal boundaries.
这是商业行为。不要批评贷款人。借款人可以选择不借款。只要在法律范围内，贷款人是被允许引诱的。
It’s business. Don’t slam the lender. Borrowers can choose not to borrow. Lenders are allowed to tempt as long as it’s within legal boundaries.
这是商业行为。不要批评贷款人。借款人可以选择不借款。只要在法律范围内，贷款人是被允许引诱的。
@mystictraveler8642
@AlphaSorceror You have been brainwashed to think it's just "business." There is a point where credit card companies exploit the public to a point of keeping them in shackles. It is immoral and should be illegal. They have a responsibility to keep things fair and sustainable. You can't go around and say "its just business." You participate in creating this kind of world. In the US, they brainwashed the public to think it is your fault and not the companies. Even the government is behaving this way influenced by companies. Government has a responsibility to protect their citizens. But they got you thinking it is your responsibility. Everything is your responsibility. So why do we then need a government? The government has a responsibility to protect their citizens and keep these companies greedy misbehaviors in check.
你已经被洗脑，认为这只是“商业行为”。信用卡公司确实有一刻是在剥削公众，把他们束缚在枷锁中。这是不道德的，应该是非法的。他们有责任保持公平和可持续性。你不能随便说“这只是商业”。
你参与了创造这样一个世界。在美国，他们洗脑公众，让人们认为是你的错，而不是公司的错。
连政府也是受到公司影响而如此行事的。政府有责任保护其公民，然而他们让你认为这是你的责任。一切都成了你的责任。那我们还需要政府做什么呢？政府有责任保护公民，并且约束这些贪婪公司的不当行为。
@AlphaSorceror You have been brainwashed to think it's just "business." There is a point where credit card companies exploit the public to a point of keeping them in shackles. It is immoral and should be illegal. They have a responsibility to keep things fair and sustainable. You can't go around and say "its just business." You participate in creating this kind of world. In the US, they brainwashed the public to think it is your fault and not the companies. Even the government is behaving this way influenced by companies. Government has a responsibility to protect their citizens. But they got you thinking it is your responsibility. Everything is your responsibility. So why do we then need a government? The government has a responsibility to protect their citizens and keep these companies greedy misbehaviors in check.
你已经被洗脑，认为这只是“商业行为”。信用卡公司确实有一刻是在剥削公众，把他们束缚在枷锁中。这是不道德的，应该是非法的。他们有责任保持公平和可持续性。你不能随便说“这只是商业”。
你参与了创造这样一个世界。在美国，他们洗脑公众，让人们认为是你的错，而不是公司的错。
连政府也是受到公司影响而如此行事的。政府有责任保护其公民，然而他们让你认为这是你的责任。一切都成了你的责任。那我们还需要政府做什么呢？政府有责任保护公民，并且约束这些贪婪公司的不当行为。
@Shyhalu
YOU AGREED TO IT. Don't blame the product, blame the customer. They borrowed money and spent it on things they shouldn't have - at a rate they shouldn't have agreed to.
你同意了这件事。别怪产品，怪顾客。是他们借了钱，把钱花在了不该花的东西上——而且是以不该同意的利率借的。
YOU AGREED TO IT. Don't blame the product, blame the customer. They borrowed money and spent it on things they shouldn't have - at a rate they shouldn't have agreed to.
你同意了这件事。别怪产品，怪顾客。是他们借了钱，把钱花在了不该花的东西上——而且是以不该同意的利率借的。
@notchit3542
than don't spend what you don't have. temptation r everywhere so u gonna blame everyone
那就不要花自己没有的钱。诱惑无处不在，你就要责怪所有人吗？
than don't spend what you don't have. temptation r everywhere so u gonna blame everyone
那就不要花自己没有的钱。诱惑无处不在，你就要责怪所有人吗？
@johnnybegood3017
@AlphaSorceror --- Couldn't the same be said for mafia loan sharks ? And yet ........ ?
这不也可以用在黑帮高利贷上吗？然而……？
@AlphaSorceror --- Couldn't the same be said for mafia loan sharks ? And yet ........ ?
这不也可以用在黑帮高利贷上吗？然而……？
@AlphaSorceror
@johnnybegood3017 I don’t blame the business. I encourage variety. If they choose to borrow from sharks, they asked for it.
我不责怪这项生意。我鼓励多样性。如果他们选择向高利贷借钱，那是他们自找的。
@johnnybegood3017 I don’t blame the business. I encourage variety. If they choose to borrow from sharks, they asked for it.
我不责怪这项生意。我鼓励多样性。如果他们选择向高利贷借钱，那是他们自找的。
@Mr.Frunddles
They need to teach financial literacy in school.
学校应该教授金融知识。
They need to teach financial literacy in school.
学校应该教授金融知识。
@Shyhalu
@johnnybegood3017 Yes, except they don't pay taxes, aren't a legal entity, and regularly break constitutional laws when seeking payback. I shouldn't have to explain the differences.
是的，除非他们不缴税，不是合法实体，而且在寻求讨债时经常违反宪法法律。我不该解释这些区别。
@johnnybegood3017 Yes, except they don't pay taxes, aren't a legal entity, and regularly break constitutional laws when seeking payback. I shouldn't have to explain the differences.
是的，除非他们不缴税，不是合法实体，而且在寻求讨债时经常违反宪法法律。我不该解释这些区别。
@Shyhalu
@Mr.Frunddles It wouldn't matter, you can't teach financial literacy to wmn.
这不重要，你无法教女人金融知识。
@Mr.Frunddles It wouldn't matter, you can't teach financial literacy to wmn.
这不重要，你无法教女人金融知识。
@mochiebellina8190
Who started and pushed the whole credit card system?
是谁发起并推动了整个信用卡体系？
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Who started and pushed the whole credit card system?
是谁发起并推动了整个信用卡体系？
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@mochiebellina8190
@AlphaSorceror Gambling, prostitution and drug peddling are businesses too. All used to be illegal and now the govt. promote all and takes a bigger cut than before. What is diff between this system and organized crime? Crime is less organized,
赌博、卖淫和毒品贩卖也算生意。它们以前都是非法的，现在政府不仅支持它们，而且还从中分走了更多的利润。这种体系和有组织犯罪有什么区别？犯罪只是组织得不那么严密。
@AlphaSorceror Gambling, prostitution and drug peddling are businesses too. All used to be illegal and now the govt. promote all and takes a bigger cut than before. What is diff between this system and organized crime? Crime is less organized,
赌博、卖淫和毒品贩卖也算生意。它们以前都是非法的，现在政府不仅支持它们，而且还从中分走了更多的利润。这种体系和有组织犯罪有什么区别？犯罪只是组织得不那么严密。
@AlphaSorceror
@mochiebellina8190Actually, I am in support of these businesses. Don’t be a nanny state. Even Singapore has legal prostitution in some lanes in Geylang & Desker Road. Allow some sin for a vibrant economy. Choices can include normal, virtue & vice.
实际上，我支持这些生意。别做那种“保姆式”国家。甚至新加坡在吉兰和德士吉路的某些地方也有合法的卖淫行为。为了活力的经济，允许一些“罪恶”。选择可以包括正常、品德和恶习。
@mochiebellina8190Actually, I am in support of these businesses. Don’t be a nanny state. Even Singapore has legal prostitution in some lanes in Geylang & Desker Road. Allow some sin for a vibrant economy. Choices can include normal, virtue & vice.
实际上，我支持这些生意。别做那种“保姆式”国家。甚至新加坡在吉兰和德士吉路的某些地方也有合法的卖淫行为。为了活力的经济，允许一些“罪恶”。选择可以包括正常、品德和恶习。
@AlphaSorceror
@mochiebellina8190 debt is something should not be eliminated. One must know how to use it. Those who use it poorly should suffer. If it’s because of these people who suffered for not using debt well and debt is eliminated then it compromised those who know how to use it well.
债务不应该被消除。必须学会如何使用它。那些使用不当的人应该承担后果。如果因为这些人没有善用债务而受苦，然后就消除债务，那就损害了那些懂得如何正确使用债务的人。
@mochiebellina8190 debt is something should not be eliminated. One must know how to use it. Those who use it poorly should suffer. If it’s because of these people who suffered for not using debt well and debt is eliminated then it compromised those who know how to use it well.
债务不应该被消除。必须学会如何使用它。那些使用不当的人应该承担后果。如果因为这些人没有善用债务而受苦，然后就消除债务，那就损害了那些懂得如何正确使用债务的人。
@quidproquo82
No one forced you to use it
没人强迫你使用它。
No one forced you to use it
没人强迫你使用它。
@ShinjiKataoka
And that is why I don't own a single credit card in my life because credit card companies are one of your mortal enemies
这就是为什么我一生中没有任何一张信用卡，因为信用卡公司是你永远的敌人。
And that is why I don't own a single credit card in my life because credit card companies are one of your mortal enemies
这就是为什么我一生中没有任何一张信用卡，因为信用卡公司是你永远的敌人。
@AlphaSorceror
@ShinjiKataokaCredit cards are useful.
信用卡还是有用的。
@ShinjiKataokaCredit cards are useful.
信用卡还是有用的。
@earthwitch61
I knew a couple couldn't divorce because of the careless debt. Nice life
我知道一对夫妇因为疏忽的债务而无法离婚。真是糟糕的生活。
I knew a couple couldn't divorce because of the careless debt. Nice life
我知道一对夫妇因为疏忽的债务而无法离婚。真是糟糕的生活。
@mystictraveler8642
@cvgodd1432 30%? Are you kidding? That's insane.
30%？你开玩笑吧？那太疯狂了。
@cvgodd1432 30%? Are you kidding? That's insane.
30%？你开玩笑吧？那太疯狂了。
@RonBlauvelt-j7q
They tell you up front what the interest is… stop blaming and making excuses for individuals with ZERO self control
他们会直接告诉你利率是多少……不要再责怪和为那些完全没有自制力的人找借口了。
They tell you up front what the interest is… stop blaming and making excuses for individuals with ZERO self control
他们会直接告诉你利率是多少……不要再责怪和为那些完全没有自制力的人找借口了。
@mystictraveler8642
@RonBlauvelt-j7q Because those people are desperate and probably one accident away from being homeless. People like you create this kind of world. Brainwashed by the greedy corporations. Their motto is "you agreed to it." This is their excuse to throw in everyones face. You can't exploit people like this. It is immoral and not the kind of country we should have. Experts in their own fields have a responsiblity to not Kill and enslave people who are in desperate situations. Do you have a family? You are not immortal. So what would you like? If someone in your family needs a lifetime of insulin but the medical industry charges you $200 per what would you if they cant afford it? Take or die? People like you create this kind of world keeping these corrupt industries going wild free to do whatever they want. You would make a terrible leader with your shortsighted wisdom.
因为那些人已经绝望了，可能差一场意外就会无家可归。像你这样的人创造了这样的世界。你被贪婪的公司洗脑了。
他们的座右铭是“你同意了这件事”。这是他们用来甩给每个人的借口。
你不能这样剥削人们。这是不道德的，也不是我们应该拥有的国家。各行各业的专家有责任不去害死和奴役那些处于绝望状态的人。你有家庭吗？你不是不死之身吧，你希望怎么样？
如果你家里有人需要终身用胰岛素，而医疗行业收费每瓶200美元，那你会怎么办？只能买或者死？
像你这样的人创造了这样的世界，让这些腐败的行业肆意扩张，做任何他们想做的事情。凭你的短视智慧，你会成为一个糟糕的领导者。
@RonBlauvelt-j7q Because those people are desperate and probably one accident away from being homeless. People like you create this kind of world. Brainwashed by the greedy corporations. Their motto is "you agreed to it." This is their excuse to throw in everyones face. You can't exploit people like this. It is immoral and not the kind of country we should have. Experts in their own fields have a responsiblity to not Kill and enslave people who are in desperate situations. Do you have a family? You are not immortal. So what would you like? If someone in your family needs a lifetime of insulin but the medical industry charges you $200 per what would you if they cant afford it? Take or die? People like you create this kind of world keeping these corrupt industries going wild free to do whatever they want. You would make a terrible leader with your shortsighted wisdom.
因为那些人已经绝望了，可能差一场意外就会无家可归。像你这样的人创造了这样的世界。你被贪婪的公司洗脑了。
他们的座右铭是“你同意了这件事”。这是他们用来甩给每个人的借口。
你不能这样剥削人们。这是不道德的，也不是我们应该拥有的国家。各行各业的专家有责任不去害死和奴役那些处于绝望状态的人。你有家庭吗？你不是不死之身吧，你希望怎么样？
如果你家里有人需要终身用胰岛素，而医疗行业收费每瓶200美元，那你会怎么办？只能买或者死？
像你这样的人创造了这样的世界，让这些腐败的行业肆意扩张，做任何他们想做的事情。凭你的短视智慧，你会成为一个糟糕的领导者。
@Itsokay.nottobeokaaaay
They chose to use them, people are dumb enough to over consume.
他们选择了使用信用卡，人们愚蠢到足以过度消费。
They chose to use them, people are dumb enough to over consume.
他们选择了使用信用卡，人们愚蠢到足以过度消费。
@johnnybegood3017
@AlphaSorceror --- Here's the thing ---- corporate executives USED to be satisfied (back in the 60s, 70s & early 80s) ..... with salaries 10 to 15 times their average employees wages --- now they are not content unless their compensation packages are worth thousands of times their average employee wages.
Same thing with stockholders --- they USED to be content with annual returns of pennies on the dollar --- NOW they aren't content unless they receive 10, 20 even 30% dividend returns on their investment.
And of course, that kind of attitude has trickled down to 'mom & pop' companies.
Corporate amerika has gone wild, and they are dragging amerika into the gutter with it.
事情是这样的——企业高管曾经满足于（在60年代、70年代和80年代初）工资是普通员工的10到15倍——但现在他们不满足，除非他们的薪酬包是普通员工工资的几千倍。
股东也是如此——他们曾经满足于年收益是几个百分点——现在他们不满足，除非他们获得10%、20%甚至30%的股息回报。
当然，这种态度也渗透到了“夫妻店”式的小公司。
美国企业已经疯狂了，它们正将美国拖进沟里。
@AlphaSorceror --- Here's the thing ---- corporate executives USED to be satisfied (back in the 60s, 70s & early 80s) ..... with salaries 10 to 15 times their average employees wages --- now they are not content unless their compensation packages are worth thousands of times their average employee wages.
Same thing with stockholders --- they USED to be content with annual returns of pennies on the dollar --- NOW they aren't content unless they receive 10, 20 even 30% dividend returns on their investment.
And of course, that kind of attitude has trickled down to 'mom & pop' companies.
Corporate amerika has gone wild, and they are dragging amerika into the gutter with it.
事情是这样的——企业高管曾经满足于（在60年代、70年代和80年代初）工资是普通员工的10到15倍——但现在他们不满足，除非他们的薪酬包是普通员工工资的几千倍。
股东也是如此——他们曾经满足于年收益是几个百分点——现在他们不满足，除非他们获得10%、20%甚至30%的股息回报。
当然，这种态度也渗透到了“夫妻店”式的小公司。
美国企业已经疯狂了，它们正将美国拖进沟里。
@Shyhalu
@sowishful You can't answer a basic question like what your career field is, why would anyone reading this take you seriously?
你连一个基本问题，比如你的职业领域是什么，都答不上来，为什么有人会认真看你说的呢？
@sowishful You can't answer a basic question like what your career field is, why would anyone reading this take you seriously?
你连一个基本问题，比如你的职业领域是什么，都答不上来，为什么有人会认真看你说的呢？
@Shyhalu
@johnnybegood3017 So go start your own company and compete.
那就去自己开公司竞争吧。
@johnnybegood3017 So go start your own company and compete.
那就去自己开公司竞争吧。
@sowishful
@ I work in healthcare. I’m about as qualified to talk about economics as you basement dw3ll3r kid. But at least I can critically think and understand how the REAL world works. Lol
我在医疗行业工作。对于经济学，我的资格和你这个住地下室的小孩差不多。但至少我能批判性思考，明白现实世界是如何运作的。哈哈
@ I work in healthcare. I’m about as qualified to talk about economics as you basement dw3ll3r kid. But at least I can critically think and understand how the REAL world works. Lol
我在医疗行业工作。对于经济学，我的资格和你这个住地下室的小孩差不多。但至少我能批判性思考，明白现实世界是如何运作的。哈哈
agreed. Greed is the main factor. But our politicians are bought. By design
贪婪是主要原因。但我们的政治家是被收买的。这是故意的。
贪婪是主要原因。但我们的政治家是被收买的。这是故意的。
@eugenec7130
To be honest, credit card companies can't do much if debtors really can't pay back.
老实说，如果债务人真的无法偿还，信用卡公司也无能为力。
To be honest, credit card companies can't do much if debtors really can't pay back.
老实说，如果债务人真的无法偿还，信用卡公司也无能为力。
@Shyhalu
@sowishful Nah dude, I said we're done. I can no longer believe anything you say due to how difficult it was to get basic information.
不，兄弟，我说过我们到此为止了。由于获取基本信息的难度，我再也不相信你说的任何话。
@sowishful Nah dude, I said we're done. I can no longer believe anything you say due to how difficult it was to get basic information.
不，兄弟，我说过我们到此为止了。由于获取基本信息的难度，我再也不相信你说的任何话。
You can claim you think critically all you want, doesn't change the fact you are confused as to how to buy things without a credit card and debt.
你可以声称自己有批判性思维，想说什么就说，但这并不改变你对如何在没有信用卡和债务的情况下购买东西感到困惑的事实。
你可以声称自己有批判性思维，想说什么就说，但这并不改变你对如何在没有信用卡和债务的情况下购买东西感到困惑的事实。
There is no point in talking to you anymore, you can't be considered honest.
再和你说下去也没意义，你不能算是诚实的人。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
再和你说下去也没意义，你不能算是诚实的人。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@tekkn_579
Growing homelessness is not a sign of a thriving/growing economy
日益增长的无家可归现象不是经济繁荣/增长的标志。
Growing homelessness is not a sign of a thriving/growing economy
日益增长的无家可归现象不是经济繁荣/增长的标志。
@sallyprzybil2404
And in 2025 homelessness is going to spike even higher! And continue going up!
到2025年，无家可归的人数将会进一步激增！而且还会继续上涨！
And in 2025 homelessness is going to spike even higher! And continue going up!
到2025年，无家可归的人数将会进一步激增！而且还会继续上涨！
@PitofDoom666
Last I heard up 28% from 2022....
我最后听说的是，从2022年开始增长了28%……
Last I heard up 28% from 2022....
我最后听说的是，从2022年开始增长了28%……
@kcthunder7682
Apparently, Americans will disagree with you. She is proud of this exception.
显然，美国人会不同意你的看法。她为这种例外感到自豪。
Apparently, Americans will disagree with you. She is proud of this exception.
显然，美国人会不同意你的看法。她为这种例外感到自豪。
@kenlee1416
It's growing by leaps and bounds for the top 1%.
对于前1%的人来说，财富正在飞速增长。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
It's growing by leaps and bounds for the top 1%.
对于前1%的人来说，财富正在飞速增长。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@1o1s1s1i1e
Our rent in this senior complex has gone up $100 per month three years in a row, its $1,500 per month now, and our utilities have gone up as well, not to forget health insurance. We live small and have carried no debt for decades but our retirement savings is a worry. Keep up the excellent work!
我们在这座老年公寓的租金已经连续三年上涨，每月上涨100美元，现在是1500美元，水电费也上涨了，当然还有健康保险。我们过得简单，几十年没有负债，但我们的退休储蓄仍然是一个问题。继续保持优秀的工作！
Our rent in this senior complex has gone up $100 per month three years in a row, its $1,500 per month now, and our utilities have gone up as well, not to forget health insurance. We live small and have carried no debt for decades but our retirement savings is a worry. Keep up the excellent work!
我们在这座老年公寓的租金已经连续三年上涨，每月上涨100美元，现在是1500美元，水电费也上涨了，当然还有健康保险。我们过得简单，几十年没有负债，但我们的退休储蓄仍然是一个问题。继续保持优秀的工作！
@tommyboss4067
USD 4.500 or USD 1.500?
是4500美元还是1500美元？
USD 4.500 or USD 1.500?
是4500美元还是1500美元？
@sallyprzybil2404
My rent kept going up every year….the last raise was $200 a month…..I figured the landlord was trying to get rid of me….so I searched around the US for a house in a slow economy ( I’m retired and don’t have to worry about a job)…….and I found one……my current house payment is almost $400 less than my rent was……and because I’m over 65… my property taxes are frozen at $950 per year!……..the house I found is bigger and nicer than the rental…and in a nicer neighborhood! I’m lucky! Bye, bye landlord!
我的租金每年都在上涨……最近一次涨了200美元……我觉得房东是在想方设法赶走我……于是我在美国经济低迷时（我已经退休，不用担心工作）四处找房……结果我找到了！现在我的房贷比以前的租金低了近400美元……而且因为我超过65岁，房产税被冻结在每年950美元！我找到的房子比租的那套更大更好，而且还在一个更好的社区！我真幸运！再见了，房东！
My rent kept going up every year….the last raise was $200 a month…..I figured the landlord was trying to get rid of me….so I searched around the US for a house in a slow economy ( I’m retired and don’t have to worry about a job)…….and I found one……my current house payment is almost $400 less than my rent was……and because I’m over 65… my property taxes are frozen at $950 per year!……..the house I found is bigger and nicer than the rental…and in a nicer neighborhood! I’m lucky! Bye, bye landlord!
我的租金每年都在上涨……最近一次涨了200美元……我觉得房东是在想方设法赶走我……于是我在美国经济低迷时（我已经退休，不用担心工作）四处找房……结果我找到了！现在我的房贷比以前的租金低了近400美元……而且因为我超过65岁，房产税被冻结在每年950美元！我找到的房子比租的那套更大更好，而且还在一个更好的社区！我真幸运！再见了，房东！
@Zerpentsa6598
Retire to Bali or Philippines. Give up you rotten US citizenship or you'll still be hounded by the IRS wherever you go.
去巴厘岛或菲律宾退休吧。放弃你那腐朽的美国国籍，否则无论你去哪里，都会被美国国税局追着不放。
Retire to Bali or Philippines. Give up you rotten US citizenship or you'll still be hounded by the IRS wherever you go.
去巴厘岛或菲律宾退休吧。放弃你那腐朽的美国国籍，否则无论你去哪里，都会被美国国税局追着不放。
@1o1s1s1i1e
Too old and crippled-up to move so must ride it out here, it is going to get very bad!
太老太病弱，无法搬走，只能在这里待下去，情况会变得很糟糕！
Too old and crippled-up to move so must ride it out here, it is going to get very bad!
太老太病弱，无法搬走，只能在这里待下去，情况会变得很糟糕！
@russellcolverson6916
Inflation is Taxation.
通货膨胀就是税收。
Inflation is Taxation.
通货膨胀就是税收。
@oneofmany1087
Free taxslaves
自由的税务奴隶。
Free taxslaves
自由的税务奴隶。
@PitofDoom666
Inflation the Corp/Govt boot that chokes WTP to tap out, but we can never leave the crooked ponzi-sceme roulette wheel...
通货膨胀是公司/政府的重压，逼得民众无法承受，但我们永远也无法逃脱这个弯曲的庞氏骗局轮盘……
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Inflation the Corp/Govt boot that chokes WTP to tap out, but we can never leave the crooked ponzi-sceme roulette wheel...
通货膨胀是公司/政府的重压，逼得民众无法承受，但我们永远也无法逃脱这个弯曲的庞氏骗局轮盘……
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@barnabusdoyle4930
No, inflation is where most of corporate profits come from. When Wall Street expect a company’s revenue to always be growing, where does that growth come from? Constantly increasing prices.
不，通货膨胀是大部分公司利润的来源。当华尔街期望一家公司持续增长收入时，那增长从哪里来？就是不断提高价格。
No, inflation is where most of corporate profits come from. When Wall Street expect a company’s revenue to always be growing, where does that growth come from? Constantly increasing prices.
不，通货膨胀是大部分公司利润的来源。当华尔街期望一家公司持续增长收入时，那增长从哪里来？就是不断提高价格。
@MrNatsuka
It's unbelievable we are all being taxed by the evil USA empire. What are we all doing? We must be all BODOH for allowing this to happen.
真难以置信，我们都在被邪恶的美国帝国征税。我们都在做什么？我们一定都傻了，才允许这种事情发生。
It's unbelievable we are all being taxed by the evil USA empire. What are we all doing? We must be all BODOH for allowing this to happen.
真难以置信，我们都在被邪恶的美国帝国征税。我们都在做什么？我们一定都傻了，才允许这种事情发生。
@purp73
@barnabusdoyle4930 exactly
完全正确。
@barnabusdoyle4930 exactly
完全正确。
@demonsrexis
Also known as daylight robbery to everyone in the world.
也被称为是世界上每个人眼中的明目张胆的抢劫。
Also known as daylight robbery to everyone in the world.
也被称为是世界上每个人眼中的明目张胆的抢劫。
@achangyw
Precisely
确切地说。
Precisely
确切地说。
@kenlee1416
Yes or a transfer of wealth to the rich and connected.
没错，或者是财富向富人和有关系的人转移。
Yes or a transfer of wealth to the rich and connected.
没错，或者是财富向富人和有关系的人转移。
@eugenec7130
Economists say inflation is a must for the economy to grow. What BS!
经济学家说，通货膨胀是经济增长的必要条件。胡说八道！
Economists say inflation is a must for the economy to grow. What BS!
经济学家说，通货膨胀是经济增长的必要条件。胡说八道！
@lapuazza
One of the best things to happen in my life was to grow up being very poor. It taught us to be resourceful with what we could afford, there were no credit cards that often encourage some to live beyond their means. Life was and is good and while I'm no longer poor I still avoid consuming things I do not really need and salvage and reuse things I do need.
我一生中最好的事情之一就是从小非常贫穷。它教会了我们如何合理利用有限的资源，生活中没有信用卡，那些信用卡常常鼓励人们超出自己承受能力去消费。生活一直很美好，虽然我不再贫穷，但我仍然避免消费那些自己不真正需要的东西，并且会修复和重复使用那些我需要的东西。
One of the best things to happen in my life was to grow up being very poor. It taught us to be resourceful with what we could afford, there were no credit cards that often encourage some to live beyond their means. Life was and is good and while I'm no longer poor I still avoid consuming things I do not really need and salvage and reuse things I do need.
我一生中最好的事情之一就是从小非常贫穷。它教会了我们如何合理利用有限的资源，生活中没有信用卡，那些信用卡常常鼓励人们超出自己承受能力去消费。生活一直很美好，虽然我不再贫穷，但我仍然避免消费那些自己不真正需要的东西，并且会修复和重复使用那些我需要的东西。
@eugenec7130
I am an Asian. My parents and teachers taught me to only spend when it is absolutely necessary, and always have some savings. This teaching has benefitted me greatly throughout my life.
我是一个亚洲人。我的父母和老师教导我，只有在绝对必要时才花钱，并且始终保持一些储蓄。这种教诲对我一生的帮助巨大。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
I am an Asian. My parents and teachers taught me to only spend when it is absolutely necessary, and always have some savings. This teaching has benefitted me greatly throughout my life.
我是一个亚洲人。我的父母和老师教导我，只有在绝对必要时才花钱，并且始终保持一些储蓄。这种教诲对我一生的帮助巨大。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
@mamacryright5740
_US Empire is going through debts meltdown_
美国帝国正在经历债务崩溃
_US Empire is going through debts meltdown_
美国帝国正在经历债务崩溃
@oneofmany1087
When the cocaine runs-out at the white house.
当白宫的可卡因用完时。
When the cocaine runs-out at the white house.
当白宫的可卡因用完时。
@stevehaynes9498
Our Rich congressmen never have to worry about food or rent so in their eyes all is well..
我们的富有国会议员从不需要担心食物或租金，所以在他们眼里，一切都很好。
Our Rich congressmen never have to worry about food or rent so in their eyes all is well..
我们的富有国会议员从不需要担心食物或租金，所以在他们眼里，一切都很好。
@phils4634
They are paid an exorbitant amount for the little value they really provide. There are enough images on the Net showing "Representatives" dozing away nicely whilst "earning" well north of $90 an hour!
他们为提供的微薄价值而获得过高的报酬。网上有足够的图片显示“代表们”在打瞌睡，同时“赚取”每小时超过90美元的薪水！
They are paid an exorbitant amount for the little value they really provide. There are enough images on the Net showing "Representatives" dozing away nicely whilst "earning" well north of $90 an hour!
他们为提供的微薄价值而获得过高的报酬。网上有足够的图片显示“代表们”在打瞌睡，同时“赚取”每小时超过90美元的薪水！
@Zerpentsa6598
Great for banks and the shareholders too.
这对银行和股东也有好处。
Great for banks and the shareholders too.
这对银行和股东也有好处。
@tatianastarcic
America is presently besieged by the hydra-headed evil combo of inflation and recession. The worst aspect about this crisis is that consumers are piling up credit card debt. Credit card debt increased by 20% in April alone, while interest rates have doubled in a year. Inflation is so severe that customers are essentially going into debt to buy basic essentials. The collapse has certainly begun.
美国目前正受到通货膨胀和衰退的双重打击，犹如九头蛇一般的恶性循环。这个危机最糟糕的一点是，消费者的信用卡债务不断增加。仅在四月，信用卡债务就增加了20%，而利率在一年内翻了一番。通货膨胀如此严重，以至于消费者基本上是在借钱购买基本必需品。崩溃已经开始。
America is presently besieged by the hydra-headed evil combo of inflation and recession. The worst aspect about this crisis is that consumers are piling up credit card debt. Credit card debt increased by 20% in April alone, while interest rates have doubled in a year. Inflation is so severe that customers are essentially going into debt to buy basic essentials. The collapse has certainly begun.
美国目前正受到通货膨胀和衰退的双重打击，犹如九头蛇一般的恶性循环。这个危机最糟糕的一点是，消费者的信用卡债务不断增加。仅在四月，信用卡债务就增加了20%，而利率在一年内翻了一番。通货膨胀如此严重，以至于消费者基本上是在借钱购买基本必需品。崩溃已经开始。
@marcusrobinson3054
Peaple are broke, maxed out cards . now the rush is on silver. Selling silver and the coin shops are full . All bought on a charge card
人们破产了，信用卡已经刷爆。现在大家都在抢银子。银子被卖出去，硬币店里满是人。所有的银子都是用信用卡买的。
Peaple are broke, maxed out cards . now the rush is on silver. Selling silver and the coin shops are full . All bought on a charge card
人们破产了，信用卡已经刷爆。现在大家都在抢银子。银子被卖出去，硬币店里满是人。所有的银子都是用信用卡买的。
@MnemonicCarrier
The chickens will soon come home to roost
恶果终将自食其果。
The chickens will soon come home to roost
恶果终将自食其果。
@ViceCoin
The consumer economy depends on holiday spending.
消费型经济依赖于假期消费。
The consumer economy depends on holiday spending.
消费型经济依赖于假期消费。
@mohmoony3918
Too late, I had to eat my chickens.
太晚了，我只能吃掉自己的鸡。
Too late, I had to eat my chickens.
太晚了，我只能吃掉自己的鸡。
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