Prática de Shadowing: The Federal Funds Rate Explained in One Minute: Federal Reserve Interest Rate Superpower or Threat? - Aprenda a falar inglês com vídeo
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Eight times per year, the Federal Open Market Committee, or FOMC, meets and sets a so-called Federal Funds Rate, or Fed Funds Rate.
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To understand how it works, please note that 1.
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Commercial banks are required to keep a certain percentage of their deposits as reserves at the Central Bank of the US, the Federal Reserve.
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2. Anything which exceeds that minimum can be lent to banks which need additional funding,
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And the federal funds rate is the interest rate at which the Federal Reserve thinks this should be done.
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3. While the Federal Reserve cannot force commercial banks to lend to each other at the federal funds rate
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and the actual rate ends up being negotiated between the banks themselves, let's just say it sets a target
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and has various tools at its disposal to make interest rates move toward the target in question.
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4. The weighted average calculated across all such bank-to-bank transactions is called the effective federal funds rate.
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5. If, for example, they cannot borrow from one another for various reasons,
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banks can borrow directly from the Federal Reserve on a very short-term basis at the so-called discount rate it sets, but more on that in another video.
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Você está praticando inglês com "The Federal Funds Rate Explained in One Minute: Federal Reserve Interest Rate Superpower or Threat?" usando a técnica de Shadowing.
O que é a Técnica de Shadowing?
Shadowing é uma técnica de aprendizado de idiomas com base científica, originalmente desenvolvida para o treinamento de intérpretes profissionais. O método é simples, mas poderoso: você ouve áudio em inglês nativo e repete imediatamente em voz alta — como uma sombra seguindo o falante com 1-2 segundos de atraso. Pesquisas mostram melhora significativa na precisão da pronúncia, entonação, ritmo, sons conectados, compreensão auditiva e fluência na fala.