I hope you won’t mind me setting a little test of financial literacy. You buy a new £1,000 computer and borrow money to pay for it. You have a choice: either (a) pay 12 monthly instalments of £100; or (b) borrow money at an APR of 20 per cent, meaning you pay back £1,200 at the end of the year. Which offer is better – or are they (c) identical? (The answer is at the end of this column.)
希望大家不介意我在這裏做一個關於金融素質的小測驗。假設你要買臺價值1000英鎊的新電腦，打算貸款來買。你的選擇如下：(a)，分期付款，每月支付100英鎊，共償還12個月；(b)，按20%的年利率貸款，也就是說一年後償還1200英鎊。這兩種做法哪種更省錢，還是說應該選(c)「二者一樣」？（答案參見本文末尾。）
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