Vocabulary
Module 2
Here you can find help with any words or phrases that are new to you…
Scroll down to find the right session, then click on a word for more info.
MM2 = Green C&L = Yellow
Session 1
STANDARD(S) OF LIVING: standar hidup
English meaning
the amount of money and comfort that people need to live
Example sentence
Her standards of living improved after she started working and saved some money.
MATTER: urusan
English meaning
to be important or have an important effect
Example sentence
To be a good leader, your communication style matters a lot.
DEVELOP: mengembangkan
English meaning
to create or improve something, to make it stronger, more successful etc.
Example sentence
I already have a budget, but now I’m working to develop my personal finances.
CHARACTERISTIC: ciri
English meaning
a typical quality that something/someone has
Example sentence
Some characteristic of good leaders are confidence and good listening skills.
OPINION: pendapat
English meaning
a person’s feelings or thoughts about a something
Example sentence
In my opinion, investing in a new car is a bad idea.
BEHAVIOUR: perilaku
English meaning
the way a person usually acts
Example sentence
Behaviours of bad leaders are criticising others and not helping them improve.
VISION: penglihatan
English meaning
an idea or plan for the future
Example sentence
My vision is to purchase land and build a new house with a farm.
ENCOURAGE: mendorong
English meaning
to give someone support and hope to accomplish something
Example sentence
I encourage my children to start saving money now, so they build a habit.
POTENTIAL: potensi
English meaning
able to be developed into something better in the future
Example sentence
I have the potential to become financially secure if I work hard and plan.
SELF-AWARE: sadar diri
English meaning
knowing and understanding your own character and behaviours
Example sentence
I am self-aware that I get upset quickly, so I practice mindfulness
STATUS: status
English meaning
position in a social or professional community
Example sentence
Doctors usually have a high status.
Session 2
PLEDGE: sumpah
English meaning
a promise that you will do something
Example sentence
I pledge to save every month and to make a strong plan for my future.
INFLUENCE: pengaruh
English meaning
to affect someone or something to change how they behave or develop
Example sentence
My mom influenced me by showing me how to work hard for your family.
CONVINCE: meyakinkan
English meaning
to make someone agree to do something or believe something is true
Example sentence
I convinced my family to save every month and now we are buying a house.
ADJUST: menyesuaikan
English meaning
to change slightly to make something work better, especially to fit a new situation
Example sentence
It took some time to adjust to a new life in Singapore, but now I’m comfortable.
SYMPATHY: simpati
English meaning
understanding how another person feels, especially in a difficult situation
Example sentence
I have sympathy for my relatives who are also working hard back home to support our family.
Session 3
COMPOUND: menggabungkan
English meaning
to pay or charge interest on an amount of money that includes any interest already earned or charged
Example sentence
My savings compounds, so it grows faster and faster if I don’t take any money out.
GAIN: memperoleh
English meaning
what you earn on your investment, return
Example sentence
I gain 0.5% on my bank account savings every year.
TRADE-OFF: trade-off
English meaning
balancing two things that are opposite
Example sentence
There is a trade-off between living away from my family and earning more money for our future.
WILLING: bersedia
English meaning
happy and ready to do something
Example sentence
I’m not willing to live in Singapore forever, but I’m willing to live here for 5-7 years.
RISK APPETITE: selera risiko
English meaning
how comfortable you are with the possibility that something bad might happen.
Example sentence
My risk appetite is low so I only like to invest when the risk of losing money is very low.
FACTOR: faktor
English meaning
one of many things that together cause or influence something
Example sentence
A higher salary and the chance to travel were factors that pushed her to work overseas.
RETURN: kembali
English meaning
the money or benefits you earn from an investment
Example sentence
One return on investing in education, might be a better job with a higher salary.
PARTY: berpesta
English meaning
one of the people or groups of people in an agreement or argument
Example sentence
Two parties in the argument were the business owner and some customers.
PERCEIVE: melihat
English meaning
to understand or think about something in a particular way
Example sentence
I perceived the business idea as a good opportunity, but she saw a big risk.
Session 4
CONSERVATIVE: konservatif
English meaning
less comfortable or interested in new things or change
Example sentence
Grandpa is a bit conservative so he doesn’t like to invest in new technology.
MODERATE: sedang
English meaning
not extreme, somewhere in the middle
Example sentence
He’s a moderate student– he’s not failing, but he is not the top of his class.
AGGRESSIVE: agresif
English meaning
acting with force to succeed
Example sentence
She’s an aggressive businesswoman– she opened two new shops in 1 year!
TOLERANCE: toleransi
English meaning
being willing to accept something, especially that is difficult or harmful
Example sentence
Moms do not have a high tolerance for their children’s bad behaviour.
ALLOCATE: mengalokasikan
English meaning
to put something aside for a specific purpose
Example sentence
I save $200 every month but I allocate $150 for saving to buy a new house.
DIVERSIFY: diversifikasi
English meaning
to make something have more variety, or more different parts, especially to be more successful or to reduce risk
Example sentence
To diversify my skills, I took classes in computers, English, cooking, and caregiving.
PORTFOLIO: portofolio
English meaning
a group of things, e.g. in finance a group of investments or shares that a person owns
Example sentence
Her portfolio includes investments in pigs, vegetable farming, some stocks, and her bank account savings.
GENERATE: menghasilkan
English meaning
to create, to make
Example sentence
She started a business to generate income for her family.
ASSOCIATE: rekan
English meaning
to make or see a connection between things in your mind
Example sentence
I associate laksa with Singapore, because that was the first place I tried it.
Session 5
PROFIT: laba
English meaning
money you make in business, especially after you pay for the costs
Example sentence
Profit from her bakery business started to grow once she paid back her loan.
EVALUATE: evaluasi
English meaning
to think carefully and make your opinion about the amount or quality of something
Example sentence
I looked up the information about the two different computers to evaluate which one is a better choice.
SHARE: bagikan
English meaning
a part of something, such as a company, that is owned by different people. In the case of company shares, the owners of the shares receive part of the profits from the company.
Example sentence
I wanted to buy shares in a company like Apple, but they are so expensive!
FORECAST: ramalan
English meaning
to predict, to say what you think will happen in the future
Example sentence
The news forecasts rain tomorrow, so we should move our picnic inside.
MUTUAL: saling
English meaning
shared by two or more people, often equally
Example sentence
My friend and I have a mutual interest in dance.
SATISFIED: puas
English meaning
pleased with the final result because it meets your expectations
Example sentence
I worked really hard to prepare that dinner and I was satisfied with my results.
OUTCOME: hasil
English meaning
result, effect
Example sentence
The main outcome of Aidha’s Module 2 is to build your personal financial plan.
BARGAIN: tawar-menawar
English meaning
to discuss prices to reach an agreement
Example sentence
I bargained with the shop owner and got 2 fish for the price of 1.
APPROACH: mendekati
English meaning
to start dealing with a problem or activity in a specific way
Example sentence
I approach conversations about money with my family by showing them I understand their goals.
FOUNDATION: dasar
English meaning
the starting point or central idea or fact that something grows from
Example sentence
The foundation of managing your money is budgeting and having clear goals.
Session 6
DIVIDEND: dividen
English meaning
the amount of profits that a company pays to people who own shares from that company
Example sentence
The dividend on my shares last year was $50.
RENOVATION: renovasi
English meaning
the process of repairing and rebuilding an old building, room, or thing so that it is in good condition again
Example sentence
My employers are renovating their apartment so we are living with their parents this month.
FORGO: meninggalkan kebiasaan
English meaning
decide not to have or do something you normally want to have or do
Example sentence
I decided to forgo the concert so I could save extra money for my trip home.
SUBSTITUTE: pengganti
English meaning
something or someone that you have in place of what you normally use or have
Example sentence
I didn’t have sugar for my coffee this morning so I substituted with honey.
SCENARIO: skenario
English meaning
situation, a description of how things happen
Example sentence
We should only invest what we can afford to lose, because that means in the worst-case scenario if we lose all the money, it’s okay.
EXPECT: mengharapkan
English meaning
what you think will happen in the future
Example sentence
I expect to visit home at Christmas, but I didn’t book my ticket yet.
FAILURE: kegagalan
English meaning
when you are not successful
Example sentence
Her first business failure didn’t stop her from trying again; later she succeeded!
DISSAPPOINTMENT: kekecewaan
English meaning
the sadness you feel because something didn’t happen has successfully or good as you expected or hoped
Example sentence
She was disappointed when her son decided not to go to university.
COMPLEX: kompleks
English meaning
complicated, made of many different, connected parts that are difficult to understand
Example sentence
Family relationships are complex– each person has different goals, some are related but others aren’t.
DESPITE: meskipun
English meaning
shows something is true even though something else may have almost stopped it
Example sentence
Despite the rain, we had a nice picnic at the park.
PILLAR: pilar
English meaning
a tall round post used to support the roof of a building
Example sentence
If the pillars break, the building may fall down.
Session 7
SUBMIT: kirimkan
English meaning
to give a document to someone else so they can look at or check it
Example sentence
I submit my homework to my mentor via email.
BASE ON: berdasarkan
English meaning
to use an idea, situation as the starting point to create something else
Example sentence
My decision to start a chicken farm was based on research about local needs.
REPUTABLE: terkemuka
English meaning
known to be good or honest
Example sentence
Aidha is a reputable organisation-we can trust their advice!
QUOTE: mengutip
English meaning
the estimated price or cost
Example sentence
Before I chose my insurance plan, I requested quotes for all my options.
RIGHTS: hak
English meaning
things you are allowed to have or behaviours you can do because the law says you can
Example sentence
In Singapore, domestic workers have the right to 1 day off per week.
AFFORDABLE: terjangkau
English meaning
cheap enough that you can pay for it
Example sentence
Singapore’s public transport is very affordable, but driving a car here is not!
UPFRONT: di muka
English meaning
paid in advance
Example sentence
When buying a product online, you have to pay upfront, before you receive it.
UNCONSCIOUSLY: secara tidak sadar
English meaning
without being aware
Example sentence
We breathe unconsciously, we don’t have to think about it, we just do it!
CUE: isyarat
English meaning
the signal that says something should start
Example sentence
On the signal of the flag, all the cars started to go down the racetrack.
TRIGGER: pemicu
English meaning
a cause that suddenly has some effect
Example sentence
Once I smelled the food, it triggered my stomach to feel very hungry!
ROUTINE: rutin
English meaning
the same order that you regularly do things
Example sentence
The child’s bedtime routine is bathe, brush teeth, read a story, and then sleep.
REWARD: penghargaan
English meaning
a nice thing you receive for doing something good
Example sentence
The best reward for my hard work is seeing all my family healthy and happy.
Session 8
PROCESS: proses
English meaning
a step-by-step set of things you do to get a specific result
Example sentence
The process for making a cake it not too difficult.
FULFILMENT: pemenuhan
English meaning
happy and satisfied feeling when you achieve something you wanted
Example sentence
I get a lot of fulfilment from my English class because I’ve always wanted to learn another language.
SIGNIFICANT: penting
English meaning
big or important enough to have an effect or to be noticed
Example sentence
After I started budgeting, I saw significant growth in my savings.
TALENT: bakat
English meaning
a natural ability to do something well
Example sentence
She has a talent for dancing.
EFFORT: upaya
English meaning
work, trying to do something even when it’s difficult
Example sentence
It took a lot of effort, but finally I saved enough money to go home for good.
RECORD: catatan
English meaning
written notes about something so you can use them in the future
Example sentence
Emails between me and the company are a record of what they promised me.
Session 9
TRICK: menipu
English meaning
to make you believe something is true when it is not really true
Example sentence
Scammers trick you by saying you will get rich, but then steal your money!
FALSE: salah
English meaning
not true
Example sentence
It’s false to say that Singapore is part of Malaysia.
DEAL: sepakat
English meaning
an agreement, especially about buying or doing something
Example sentence
I thought this insurance was a good deal, but there are a lot of extra fees!
VERIFY: memeriksa
English meaning
to confirm that something is true
Example sentence
I wasn’t sure if this call was real, so I verified with my bank directly.
WARNING: peringatan
English meaning
something that tells you something bad may happen soon
Example sentence
The unfamiliar phone number was a warning that this text was a scam.
CONSEQUENCE: konsekuensi
English meaning
the effect/result of something, usually negative
Example sentence
A consequence of having no emergency fund is you could lose all your savings if someone gets sick and you need to pay for hospital bills.
CONSISTENT: konsisten
English meaning
always happening in the same way
Example sentence
Her savings was consistent, she always saved $200 every month.
REVISE: merevisi
English meaning
to change or update because of new circumstances or learnings
Example sentence
I saved more money this year, so I revised my plan to visit home earlier.
Session 10
COLLATERAL: jaminan
English meaning
something you promise to give someone if you can’t pay back the loan
Example sentence
The collateral for my bank loan is my house.
PERIOD OF TIME: periode waktu
English meaning
a specific length of time
Example sentence
The period of time for the moon cycle is about 29 days.
CONVERT: mengubah
English meaning
to change from one type to another
Example sentence
When I go home I will convert my Singapore dollars to pesos.
ADMINISTRATIVE: administratif
English meaning
related to how a business is organised (often shortened to ‘admin’)
Example sentence
We do administrative tasks like scheduling and organising client information.
FREQUENCY: frekuensi
English meaning
how often something happens or is repeated
Example sentence
I visit my country every year, it’s not a high frequency but it’s good for me.
APPROXIMATELY: sekitar
English meaning
about, estimated
Example sentence
I didn’t count exactly, but approximately 20 people were in the session today.
ACCUMULATE: mengumpulkan
English meaning
to increase over a period of time
Example sentence
I do laundry every day, or the clothes will accumulate to a very big pile!
HARASS: mengganggu
English meaning
to annoy someone by pressuring them or doing unpleasant things
Example sentence
Strangers harassed her with mean comments, so she put her profile to private.
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