Luyện nói tiếng Anh bằng Shadowing qua video: How the rich avoid paying taxes
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This is Warren Buffett, one of the richest people in the world, thanks to the company he runs, Berkshire Hathaway.
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Basically it's a holding company that just owns a bunch of other companies — Geico,
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Dairy Queen, a huge railroad — as well as a lot of stock in other companies like Apple and Coca-Cola.
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So when those companies do well and their stock goes up, Berkshire Hathaway stock goes up.
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When Buffett took over the company in 1965, a single share was worth $19.
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Today it's worth nearly half a million dollars.
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Buffett owns nearly 240,000 of these shares.
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This is where his wealth is.
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But as he's been known for pointing out, Warren Buffett still pays a lower tax rate than his secretary.
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She pays at twice the rate I pay.
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I think that's outrageous.
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That's because they pay different types of taxes.
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His secretary pays income taxes on her salary, but Buffett mainly pays capital gains taxes on his sold stock.
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And that's taxed at nearly half the rate.
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The wealthy are definitely undertaxed.
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In the U.S., the disparity between the richest Americans and everyone else has been growing.
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And in the last 40 years, the after-tax income of the richest has risen more than 400 percent, while middle-class income has only risen 50.
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The way these people make money is very different than the way these people make money.
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And they're not taxed the same.
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I pay less in taxes than people that work for a living and make as much money as I do.
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This is Morris.
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He used to work on Wall Street.
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Now he's retired and lives off his many stock market investments.
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I own stock in companies like Berkshire Hathaway and Amazon and Apple.
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He's a pretty typical one percenter, except that he spends his money advocating for rich people like him to be taxed more.
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I want to live in a country filled with a middle
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class of people who can all afford to shop in our businesses.
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Most people have a normal job.
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They get a paycheck and pay income tax, ranging from 10 to 37 percent.
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But people like Morris, they make a lot of their income from investments, generally stocks in real estate.
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These investments are taxed as capital gains.
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And things like long-term stock have a maximum tax rate of just 20%.
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I sold some stock recently for $400,000.
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And my taxes on that is of around $50,000.
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But that $50,000 is far less taxed than anyone who has a job making $400,000 a year would pay.
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And most of his wealth, well, isn't even taxable.
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People like Morris or Buffett are worth so much money because of the stock that they hold.
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But it's not tangible, spendable, taxable money.
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I can look at my stock portfolio and I can say, oh, you know, I made a million dollars this year.
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But it doesn't have to pay anything in taxes
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because our system is based on only paying taxes when you actually sell something.
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Amazon's Jeff Bezos, the richest man in America, thanks mostly to his Amazon stock, pays almost nothing in taxes.
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We value his worth here, but it's never taxed, unless it's turned into real money when he sells the stock, and it's taxed as a capital gain.
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This is one way billionaires are able to be technically worth so much money, but pay so little in taxes.
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Some billionaires, like Elon Musk, are able to get loans against their stocks and live off of that.
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They don't even need to sell the stock to turn it into spendable money.
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No sale, no taxes.
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The fact is, if you're a billionaire, you don't need any income.
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There's also a big loophole in capital gains taxes that the rich exploit called the stepped-up basis.
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If, hypothetically, Warren Buffett were to sell his stock, he'd have to pay capital gains taxes based on his profit.
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So the cost of the stock minus the original investment.
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But if he holds off selling his entire life, when he dies, whoever inherits the stock,
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and then sells it, would only have to pay taxes on what they earned after they inherited it, leaving all those original gains untaxed.
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It's part of what's called buy, borrow, die, and it's one way the richest families avoid paying taxes.
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It's this system, and the fact
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that most taxable capital gains are going to the top 1%
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that lawmakers see changing the capital gains tax as an easy way to tax the rich.
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President Biden has proposed closing that stepped-up loophole and increasing the maximum tax rate from 20% to 39.6%,
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but just for people making more than a million dollars a year.
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Critics argue that it may discourage people from investing in the stock market, or that current millionaires would just sell less stock.
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But it would bring in more tax revenue, from more conservative estimates of $200 billion over 10 years to double that.
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It would also mean Buffett would pay a closer tax rate to his secretary.
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But this pile of unrealized money still goes untaxed.
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There's a lot of things we could do to make the system more fair.
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We could have taxes on wealth.
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We could have taxes on gains in the stock market.
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Most Americans are bothered that wealthy people don't pay their fair share.
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And changing capital gains taxes wouldn't be the whole solution, but advocates argue it would be an easy place to start.
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Our system is making the rich get richer and richer and richer, and everyone else just not.
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Từ vựng và ghi chú luyện nói cho bài học này
Bài luyện nói trình độ B2 này dựa trên video “How the rich avoid paying taxes”. Những từ được nhắc lại nhiều nhất trong bài: stock, taxes, gain, tax, Buffett. Video này có 69 câu và 922 từ để luyện shadowing. Phần lời nói dài 5:46. Người nói nói với tốc độ tự nhiên, khoảng 160 từ mỗi phút, gần với hội thoại hằng ngày. 83% số từ nằm trong 3.000 từ tiếng Anh thông dụng nhất; phần còn lại nên xem trước khi luyện.
Từ vựng quan trọng trong video
9 từ khó nhất trong video, kèm phiên âm và nghĩa:
| Từ | Phiên âm | Nghĩa |
|---|---|---|
| billionaire danh từ | /ˌbɪl.jəˈnɛɚ/ | tỉ phú |
| inherit động từ | /ɪnˈhɛɹɪt/ | thừa kế |
| millionaire danh từ | /ˌmɪl.i.əˈnɛə(ɹ)/ | triệu phú |
| critic danh từ | /ˈkɹɪt.ɪk/ | nhà phê bình |
| propose động từ | /pɹəˈpəʊz/ | đề nghị, đề xuất |
| minus | /ˈmaɪ.nəs/ | trừ |
| borrow động từ | /ˈbɑɹ.oʊ/ | mượn, vay |
| retire động từ | /ɹəˈtaɪɹ/ | về hưu, hồi hưu |
| dairy danh từ | /ˈdɛə.ɹi/ | sản phẩm sữa, chế phẩm sữa |
Cụm động từ bạn sẽ nghe
| Từ | Nghĩa |
|---|---|
| go up động từ | lên |
Ngữ pháp trong video
Những cấu trúc người nói dùng nhiều nhất, kèm đúng cụm từ trong video:
| Cấu trúc | Trong video |
|---|---|
| Câu bị động be + quá khứ phân từ — nhấn vào việc xảy ra, không phải người làm | been known · are definitely undertaxed · be taxed |
| Thì hiện tại hoàn thành have/has + quá khứ phân từ — việc đã xảy ra nhưng còn liên quan đến hiện tại | has risen · has proposed |
| Mệnh đề quan hệ who / which + mệnh đề — thêm thông tin về người hoặc vật | people who can · anyone who has |
Phát âm cần chú ý
Người nói dùng 9 dạng rút gọn, ví dụ don't, doesn't, he'd. Hãy nói theo dạng ngắn đúng như bạn nghe.
- Từ dài — đặt trọng âm cho đúng: disparity /dɪˈspæɹɪti/, millionaire /ˌmɪl.i.əˈnɛə(ɹ)/, technically /ˈtɛk.nɪˌkəl.i/, portfolio /pɔːtˈfəʊ.liˌəʊ/
Những âm người Việt thường gặp khó:
- Âm /tʃ/, /dʒ/ và /ʒ/ — tiếng Việt không có, đừng đọc thành “ch” hay “gi”: paycheck /ˈpeɪ.t͡ʃɛk/, discourage /dɪsˈkɝɪd͡ʒ/, tangible /ˈtæn.d͡ʒə.bəl/, outrageous /aʊtˈɹeɪ.d͡ʒəs/
- Âm /æ/ — mở miệng rộng hơn âm “e”: taxable /ˈtæksəbəl/, disparity /dɪˈspæɹɪti/, tangible /ˈtæn.d͡ʒə.bəl/
- Phụ âm cuối — bật rõ âm cuối của từ: inherit /ɪnˈhɛɹɪt/, paycheck /ˈpeɪ.t͡ʃɛk/, discourage /dɪsˈkɝɪd͡ʒ/, outrageous /aʊtˈɹeɪ.d͡ʒəs/, exploit /ˈɛksplɔɪt/
Cách luyện với video này
- Nghe hết video một lần, chưa cần nói, và ghi lại những từ bạn chưa biết.
- Bắt đầu ở tốc độ 0,75×, nói đuổi từng câu, rồi quay lại tốc độ bình thường khi đã quen.
- Ghi âm giọng mình rồi so với bản gốc, chú ý các từ như billionaire, inherit, millionaire.
Phương Pháp Shadowing Là Gì?
Shadowing là kỹ thuật học ngôn ngữ có cơ sở khoa học, ban đầu được phát triển cho chương trình đào tạo phiên dịch viên chuyên nghiệp và được phổ biến rộng rãi bởi nhà đa ngôn ngữ học Dr. Alexander Arguelles. Nguyên lý cốt lõi đơn giản nhưng cực kỳ hiệu quả: bạn nghe tiếng Anh của người bản xứ và lặp lại to ngay lập tức — như một "cái bóng" (shadow) đuổi theo người nói với độ trễ chỉ 1–2 giây. Khác với luyện ngữ pháp hay học từ vựng bị động, Shadowing buộc não bộ và cơ miệng phải đồng thời xử lý và tái tạo ngôn ngữ thực tế. Các nghiên cứu khoa học xác nhận phương pháp này cải thiện đáng kể phát âm, ngữ điệu, nhịp điệu, nối âm, kỹ năng nghe và độ lưu loát khi nói — đặc biệt hiệu quả cho người luyện IELTS Speaking và muốn giao tiếp tiếng Anh tự nhiên như người bản ngữ.