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[00:00.100]From VOA Special English,
现在是VOA慢速英语之 [00:02.000]this is the Economics Report.
《经济报道》 [00:05.690]Are you a saver or a spender?
你是节约型还是消费型？ [00:08.880]"A penny saved is a penny earned."
“省下一块钱就是赚。” [00:12.520]This old saying calls attention
这句古老的谚语让人反思 [00:15.210]to the wisdom of saving money.
这其中省钱的智慧。 [00:17.790]"Putting money away for a rainy day"
“存钱以备不时之需” [00:21.590]is another way to talk about saving for the future.
是“为了明天攒钱”的另一种说法。 [00:25.870]People who hate to spend money are known as "tightwads,"
极度节约的人被叫做“吝啬鬼”， [00:31.190]while those who like to get the most value
而把每一分钱花在刀刃上的人， [00:34.370]for their money are called "thrifty."
就可以说是“节俭”。 [00:37.620]A thrifty person is different from a "spendthrift."
节俭的人和“浪费的人”是完全相反的。 [00:42.660]A spendthrift is someone who spends wastefully.
“浪费的人”是指那些花钱大手大脚的人。 [00:47.130]People like that are often said to spend money
人们经常形容这样的人花钱就像 [00:51.420]"like a drunken sailor" or "like there's no tomorrow."
“喝醉的水手”或“末日快来了似的”。 [00:57.250]In the United States,
在美国， [00:59.650]people who want to start a savings account
人们想要开个储蓄账户 [01:02.830]have different choices of where to put their money.
对如何储存他们的钱有几种不同的选择， [01:07.010]These include banks and credit unions.
可以选择银行或是信用社。 [01:11.650]Credit unions are cooperatives for people
信用社是为那些体制内的人 [01:15.530]who have some kind of connection.
提供的合作社。 [01:18.170]For example, the members might work for a university
比如，客户多半在大学内 [01:23.590]or a government agency.
或是在政府办事处工作。 [01:25.830]Most credit unions are nonprofit organizations.
大多数信用社是非盈利机构。 [01:31.310]Credit unions, banks and other financial institutions
信用社，银行和其他金融机构 [01:37.130]pay interest on savings accounts.
对储蓄账户支付利息， [01:40.310]But the interest rates are low.
但利率都较低。 [01:43.450]Certificates of deposit pay higher returns.
提供存款单或者CD，能得到更高的回报。 [01:48.180]With a certificate of deposit, or CD,
CD， [01:52.060]a person agrees not to withdraw the money
即指一个人同意 [01:55.250]for a certain period of time.
在定期内不取款。 [01:57.790]This term could be anywhere from a few months to several years.
这个期限在任何地方可以是几个月到几年之间。 [02:04.660]Longer terms, and larger amounts, pay higher interest.
期限越长，金额越大，收益越大。 [02:10.340]People can withdraw their money early
客户可以提前取出存款， [02:14.030]but they have to pay a penalty.
但前提是他们必须提交违约金。 [02:17.010]Another way to save is through a money market fund.
另一种存钱的选择就是货币市场基金。 [02:21.440]This is a kind of mutual fund.
这是一种互助基金。 [02:25.030]Mutual funds invest money from many people.
许多投资人共同投资给互助基金， [02:29.310]The money is sometimes placed in short-term government securities.
这笔投资有时被用于短期的政府债券。 [02:35.340]Money market funds, however, may not be federally guaranteed
然而货币市场基金有时却不像其他种类的存款 [02:40.970]like other kinds of savings.
被联邦政府保护。 [02:43.560]The Federal Deposit Insurance Corporation guarantees savings
联邦存款保险公司能够保障 [02:49.190]up to two hundred fifty thousand dollars.
最高25万美元的存款。 [02:52.920]In a number of countries,
在一些国家中， [02:55.810]people have been saving less over the years.
近些年来，人们的存款越来越少。 [02:59.390]The Organization for Economic Cooperation and Development
经济合作与发展组织（OECD） [03:04.430]is a group of thirty-four countries.
由34个国家组成。 [03:07.460]The OECD says in nineteen ninety,
OECD公布数据称，在1990年， [03:11.950]Americans had a household savings rate of seven percent.
美国人的居民存储率只有7%。 [03:16.400]This year, that rate is expected to be a little more
今年，该存储率 [03:21.130]than two percent.
预期能增加2%。 [03:24.020]Many European countries have higher rates,
许多欧洲国家的存储率相比更高， [03:28.280]but Americans save more than families in Japan.
但美国家庭的存款相比于日本还是较高。 [03:32.630]And that's the Economics Report.
以上是VOA慢速英语之《经济报道》的全部内容。
现在是VOA慢速英语之 [00:02.000]this is the Economics Report.
《经济报道》 [00:05.690]Are you a saver or a spender?
你是节约型还是消费型？ [00:08.880]"A penny saved is a penny earned."
“省下一块钱就是赚。” [00:12.520]This old saying calls attention
这句古老的谚语让人反思 [00:15.210]to the wisdom of saving money.
这其中省钱的智慧。 [00:17.790]"Putting money away for a rainy day"
“存钱以备不时之需” [00:21.590]is another way to talk about saving for the future.
是“为了明天攒钱”的另一种说法。 [00:25.870]People who hate to spend money are known as "tightwads,"
极度节约的人被叫做“吝啬鬼”， [00:31.190]while those who like to get the most value
而把每一分钱花在刀刃上的人， [00:34.370]for their money are called "thrifty."
就可以说是“节俭”。 [00:37.620]A thrifty person is different from a "spendthrift."
节俭的人和“浪费的人”是完全相反的。 [00:42.660]A spendthrift is someone who spends wastefully.
“浪费的人”是指那些花钱大手大脚的人。 [00:47.130]People like that are often said to spend money
人们经常形容这样的人花钱就像 [00:51.420]"like a drunken sailor" or "like there's no tomorrow."
“喝醉的水手”或“末日快来了似的”。 [00:57.250]In the United States,
在美国， [00:59.650]people who want to start a savings account
人们想要开个储蓄账户 [01:02.830]have different choices of where to put their money.
对如何储存他们的钱有几种不同的选择， [01:07.010]These include banks and credit unions.
可以选择银行或是信用社。 [01:11.650]Credit unions are cooperatives for people
信用社是为那些体制内的人 [01:15.530]who have some kind of connection.
提供的合作社。 [01:18.170]For example, the members might work for a university
比如，客户多半在大学内 [01:23.590]or a government agency.
或是在政府办事处工作。 [01:25.830]Most credit unions are nonprofit organizations.
大多数信用社是非盈利机构。 [01:31.310]Credit unions, banks and other financial institutions
信用社，银行和其他金融机构 [01:37.130]pay interest on savings accounts.
对储蓄账户支付利息， [01:40.310]But the interest rates are low.
但利率都较低。 [01:43.450]Certificates of deposit pay higher returns.
提供存款单或者CD，能得到更高的回报。 [01:48.180]With a certificate of deposit, or CD,
CD， [01:52.060]a person agrees not to withdraw the money
即指一个人同意 [01:55.250]for a certain period of time.
在定期内不取款。 [01:57.790]This term could be anywhere from a few months to several years.
这个期限在任何地方可以是几个月到几年之间。 [02:04.660]Longer terms, and larger amounts, pay higher interest.
期限越长，金额越大，收益越大。 [02:10.340]People can withdraw their money early
客户可以提前取出存款， [02:14.030]but they have to pay a penalty.
但前提是他们必须提交违约金。 [02:17.010]Another way to save is through a money market fund.
另一种存钱的选择就是货币市场基金。 [02:21.440]This is a kind of mutual fund.
这是一种互助基金。 [02:25.030]Mutual funds invest money from many people.
许多投资人共同投资给互助基金， [02:29.310]The money is sometimes placed in short-term government securities.
这笔投资有时被用于短期的政府债券。 [02:35.340]Money market funds, however, may not be federally guaranteed
然而货币市场基金有时却不像其他种类的存款 [02:40.970]like other kinds of savings.
被联邦政府保护。 [02:43.560]The Federal Deposit Insurance Corporation guarantees savings
联邦存款保险公司能够保障 [02:49.190]up to two hundred fifty thousand dollars.
最高25万美元的存款。 [02:52.920]In a number of countries,
在一些国家中， [02:55.810]people have been saving less over the years.
近些年来，人们的存款越来越少。 [02:59.390]The Organization for Economic Cooperation and Development
经济合作与发展组织（OECD） [03:04.430]is a group of thirty-four countries.
由34个国家组成。 [03:07.460]The OECD says in nineteen ninety,
OECD公布数据称，在1990年， [03:11.950]Americans had a household savings rate of seven percent.
美国人的居民存储率只有7%。 [03:16.400]This year, that rate is expected to be a little more
今年，该存储率 [03:21.130]than two percent.
预期能增加2%。 [03:24.020]Many European countries have higher rates,
许多欧洲国家的存储率相比更高， [03:28.280]but Americans save more than families in Japan.
但美国家庭的存款相比于日本还是较高。 [03:32.630]And that's the Economics Report.
以上是VOA慢速英语之《经济报道》的全部内容。
