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[经济报道] 你是败家子吗?

2014-01-16    来源:putclub    【      美国外教 在线口语培训
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From VOA Special English, this is the Economics Report.

Are you a saver or a spender?

"A penny saved is a penny earned." This old saying calls attention to the wisdom of saving money. "Putting money away for a rainy day" is another way to talk about saving for the future.

People who hate to spend money are known as "tightwads," while those who like to get the most value for their money are called "thrifty." A thrifty person is different from a "spendthrift." A spendthrift is someone who spends wastefully. People like that are often said to spend money "like a drunken sailor" or "like there's no tomorrow."

In the United States, people who want to start a savings account have different choices of where to put their money. These include banks and credit unions. Credit unions are cooperatives for people who have some kind of connection. For example, the members might work for a university or a government agency. Most credit unions are nonprofit organizations.

Credit unions, banks and other financial institutions pay interest on savings accounts. But the interest rates are low. Certificates of deposit pay higher returns. With a certificate of deposit, or CD, a person agrees not to withdraw the money for a certain period of time. This term could be anywhere from a few months to several years. Longer terms, and larger amounts, pay higher interest. People can withdraw their money early but they have to pay a penalty.

Another way to save is through a money market fund. This is a kind of mutual fund. Mutual funds invest money from many people. The money is sometimes placed in short-term government securities. Money market funds, however, may not be federally guaranteed like other kinds of savings. The Federal Deposit Insurance Corporation guarantees savings up to two hundred fifty thousand dollars.

In a number of countries, people have been saving less over the years. The Organization for Economic Cooperation and Development is a group of thirty-four countries. The OECD says in nineteen ninety, Americans had a household savings rate of seven percent. This year, that rate is expected to be a little more than two percent. Many European countries have higher rates, but Americans save more than families in Japan.

文本来源于普特论坛[report整理] SENEWS-2013-10-04


 这里是美国之音慢速英语经济报道。

 

你是个节俭者还是个挥霍者?


 “省钱就是挣钱。”这句老话让大家重视省钱的智慧。“未雨绸缪”是提早打算的另一种说法。


不舍得花钱的人被称作“小气鬼”;而那些善于理财的人是“节俭”。节俭的人有别于“败家子”。败家子花钱如流水,这类人通常被称作是花钱“如喝醉的水手”或“如没有明天。”

 

 


在美国,人们想开设储蓄账户有多种选择,包括银行和信用社。信用社是为相关人士设立的合作社。比如,其成员可能就职于大学或政府机构。多数信用社是非营利组织。

 

 

 


信用社、银行及其他金融机构为储户提供利息,但利率低。定期储蓄较高的回报。根据存单,储户同意在规定期间(数月或数年均可)不动存款。储蓄时间越长,本金越高,利息就越多。储户可提前支取存款,但是必须支付违约金。

 

 


还可以通过货币市场基金存钱。这是一种共同基金。共同基金拿许多人的钱去投资。这些钱有时投资于短期政府信贷。但是,货币市场基金并非如其它储蓄受联邦政府担保。美国联邦存款保险公司提供最高25万美元的担保。

 


在许多国家,多年来人们很少存钱。经济合作与发展组织是一个包括34个国家的组织。经济合作与发展组织称1990年,美国家庭储蓄率仅为7%,今年预计略高于2%。不少欧洲国家存储率更高,但是日本家庭储蓄率还低于美国。



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