تدريب Shadowing: Phát âm chuẩn - Anh ngữ đặc biệt: Saving Money (VOA) - تعلم التحدث بالإنجليزية مع YouTube
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Music From VOA Learning English, this is the Economics Report.
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Music From VOA Learning English, this is the Economics Report.
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Are you a saver or a spender?
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A penny saved is a penny earned.
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This old saying calls attention to the wisdom of saving money.
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Putting money away for a rainy day is another way to talk about saving for the future.
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In the United States, people who want to start a savings account have different choices of where to put their money.
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These include banks and credit unions.
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Credit unions are cooperatives for individuals who often share a work-related connection.
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For example, the members might work for a university or a government agency.
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Most credit unions are non-profit organizations.
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Credit unions, banks, and other financial institutions pay interest on savings accounts, but the interest rates are generally low.
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Certificates of deposit are not only a single loan, but the interest rates are generally low.
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Certificates of deposit pay higher returns.
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With a certificate of deposit, or CD, a person agrees not to withdraw the money for a period of time.
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This term could be anywhere from a few months to several years.
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Longer terms and larger amounts pay higher interest.
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People have to pay a small fine to withdraw their money early.
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Another way to save is through a money market fund.
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This is a kind of mutual fund.
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Mutual funds invest money from many people.
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The money is sometimes placed in short-term government securities.
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Money market funds, however, may not be federally guaranteed like other kinds of savings.
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The Federal Deposit Insurance Corporation guarantees savings up to $250,000.
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For VOA Learning English, I'm Jonathan Evans.
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