Special Savings Plans ) q4 H2 z p6 @6 k( t4 G8 y4 f( B
特种储蓄章程 . x9 g5 q* O8 ?) O2 ^
Situation 21 : D1 L( G9 O( j1 t0 l4 N. n
情景 21 ! Q k7 G% l# T1 S h
Sally Berklin wants information about the Savings Bond plan atthe First National Bank.
! k& C6 {+ q' Z+ @* l( p7 k+ J 萨利·伯克兰在第一国民银行想得知一些有关储蓄债券章程的信息,
0 `& n \: e5 f0 c) C! Y She is talking to the manager of the Savings Department .
% r7 z# j5 r: L7 r" A$ T 她正在和储蓄部门经理谈话。
4 f0 o$ `8 l: I Berklin:What do you mean about the Savings Bond plan?Is it possible for me to use that type ofaccount ,too?
8 T& Z' [2 Y, M1 ` 伯克兰:您所说的储蓄债券章程是什么意思?我是否也能使用这种帐户呢? & s% l. y" ], e' `! O r
Manager:Yes,of course .We offer it to all our customers.Our Savings Bond program offers ourhighest rate of interest for long-term savers. : D8 L/ n3 `( ^: D- O0 u
经理:当然可以,我们向所有顾客提供这种帐户。我们的储蓄债券章程对长期存款储户提供最高利率。 9 a2 C1 o( p- b$ C- q7 i& J
Actually ,they are certificates of deposit for maturities of six to ten years ,
! Z. j: p9 J: R5 U. `1 ^: X 实际上它们是定期为6到10年的存单,
) M6 O+ c/ M4 y3 N9 A and are available in any amount from $5,000 to $100,000. ( ~, d8 ]6 h) R
存款额从5,000美元到100,000美元的任何定期存单。 & H, z& O! A$ x; X7 ?2 Y7 z
B:Oh,they are only for people with lots of money . # [+ a! C2 N6 }8 p+ y' m
伯克兰:哦,这个章程只是为那些很有钱的人设立的。 Y8 ]: _! z2 s1 v d4 r
M:Well ,actually you’d be surprised at the number of middle-income people who use this program,especially retired people. * s! u( O8 @' N5 a& g# U
经理:实际上,相当多的中等收入的人特别是退休的人都用这种章程,您会对其使用人数之多感到惊奇。
( _3 s5 r( F) M9 j" a5 z You see ,we pay accumulated interest by bank check every quarter. + ~, V. f" O1 D* V* N B7 f
您看,我们每个委度都以银行支票的形式向顾客支付累计利息,
4 O Y2 c9 J8 G6 c! S1 B! { So they are almost like an investment plan . _' H: a3 ^' w& Y. T
因此,这些存款几乎就是一笔投资规划。
8 O: \7 i& ?5 d+ z3 g+ X: H B:That sounds very nice.But what if I have to cash in the Savings Bond before maturity?
8 ?' I( O" }1 S! k 伯克兰:听起来真不错,但是如果我不得不提前兑现储蓄债券怎么办?
$ F: ?: z# i; G- H9 r; @ M;Well,unfortunately ,you would incur a penalty ,as with any premature cancellation of a timedeposit .
/ A2 @" a/ i O2 { 经理:很遗憾,就象提前支取定期存款一样,您得接受一定罚款。 8 i7 D) ~% W" o y7 h6 F
But we encourage customers not to buy Savings Bonds unless they are reasonably sure they canhold them until matuity . $ A! X' r' ~# ?; Z3 C/ N- c
但是,我们希望顾客们十分确信有把握直到期满才支取存款,再来购买储蓄债券。
6 W% j2 w0 T5 R/ ] ]" T B;They sound like an excellent investment idea,especially the advantage of receiving earnedinterest every three months . 1 I2 j n8 s# B9 F% `! g2 w
伯克兰:听起来这是个极好的投资办法,特别是每3个月就能得到利息的好处。 - V2 z% g! A6 r% y( F
I’ll consider placing some of my savings in Savings Bonds as soon as I save enough.
3 }3 i9 U/ ^1 H* i1 H9 { 等我把钱攒够了,我马一考虑把我的一部分积蓄换成储蓄债券。 |