不可忽視的購物利器

理論基礎和實地考察都完成了，別以為這樣就結束了~現在購物的方式可是不斷翻新啊，一不留神，你就out了~ 這不，很多人出門連錢包都不用帶了，直接用手機付賬。這樣做到底好不好呢？作為一名精明的購物達人，這可是你不得不了解的購物時尚哦！

Host: Now， to matters of personal finance. We want to talk about your money and your phone. For many people， smart phones and some other cell phones have replaced the 1)rolodex， alarm clock， calendar and MP3 player. But now some people want to use their phones as their wallets. And Google， MasterCard and Citibank recently teamed up to launch trials to allow consumers to use their smart phones to pay at the register in San Francisco and New York. They hope to expand to other cities this summer.

主持人：現在，來關注一下個人財務的問題。我們想討論你的錢和你的手機。對很多人來說，智能手機和一些其他手機已經取代了名片盒、鬧鐘、日歷以及MP3播放器。而現在有些人甚至想把手機當成錢包來用。最近，谷歌、萬事達信用卡，以及花旗銀行聯合推出了這樣的試驗服務：在舊金山和紐約，客戶可以使用自己的智能手機在收銀臺付款。他們希望在今年夏天可以將這項業務擴展到其他城市。

Now， that could mean no more 2)shuffling through your bag for the credit cards， the loyalty cards， the coupon， the spare change. All you’d have to do is select the cards you want to use on your phone’s screen， and then tap the phone to the store’s terminal. Sounds easy， right?

We wanted to talk to our Money Coach Alvin Hall about this. Are there pros and cons of using your smartphone as your wallet? Thanks for joining us.

Alvin Hall: Glad to be here， Michel.

Host: I understand that you actually have some concerns about using this technology more broadly to shop. Tell us what that is.

Alvin: Well， I think the technology can encourage people to spend a little more freely than they should. But the other part of it is that people tend to view this type of electronic spending as…as quasi-money. Think of the iPhone and how many people will sit there and download those apps into their iPhone and not think of the total cost， because in their minds， it’s not real money. And that， to me， is a major concern. Unless they can build in an element that allows people to track what they’re spending， that it will encourage people to overspend.

Host: Why couldn’t it be the other way， though? I mean， if you use the phone to check your balances—which you can also do， right? Alvin: Yes.

好，這就意味著你再也不用在包里笨手笨腳地找信用卡、會員卡、優惠券，還有零錢了。你要做的就僅僅是在你的手機屏幕上選擇要使用的卡，然后對著商家的收款終端按一下手機。聽起來很簡單，對吧？

我們就此事與我們的財務指導——阿爾文·霍爾討論一番。用你的智能手機付款有哪些優點和缺點呢？感謝您的參與。阿爾文·霍爾：很高興能來，米歇爾。

主持人：我知道實際上你對這項技術的使用擴展到商家是心存疑慮的。跟我們說說是什么吧。阿爾文：嗯，我覺得這項科技能夠鼓勵人們超過限度地更自由地消費。另一方面，人們會傾向于將這種形式的電子消費視為準貨幣。想想蘋果手機這個例子，有多少人會坐在那兒，下載一些應用程序到手機里，根本沒考慮過總共會花多少錢?！?br>