第二篇: R. z" i! Y! \# F; c
Saving Money( F( i; u! E$ F2 R+ O7 z
Where you save your money often depends on what you are saving for.If you are saving to4 N7 B* v7 V: R, m+ ? e! B* o
buy a CD(光盘)or to go to a concert,then probably you would keep your money somewhere in
! i% o4 |$ e, G- C" }your room.
/ T5 k t r, q: P If you ale saving for a big purchase like a mountain bike or a school trip,where would you
' [, j7 e" |- J0 P3 Asave your money?
' s1 x& b2 R; _: N One place to save money is the bank Putting your money in a savings account will help
Q0 A& p; {; H' H1 v$ M; Q Zyour money earn more money If you put your money in a piggy bank(猪形储蓄罐),one year
' W- D- T o; Tlater you’11 still have the same amount of money you put in.If you put your money in a savings! j6 r d7 l2 S' O2 L% [( Y
account,one year later,you’ll have more money than you put in Why?
( x( Z7 L# m4 _ When you keep your money in a bank.your money earns interest. Interest is an amount of
, b( @4 y* b! r, P6 nmoney a bank pays you to use your money The bank uses your money(and the money of other! X: V0 @' g, a2 F& K
people,too)to loan money to people and businesses
8 A$ D' ^. Z$ c" I! X1 g" S/ V The bank will send you a statement several times a year.A bank statement tells you how
. J3 ^5 P' C% i3 a9 F7 Hmuch money you have in your account It also tells you how much interest you have earned If
* o" `) Z) z9 ^/ ?) }' Z' D' G7 syou leave your money in the bank,you can watch it grow!
+ v. ?0 \9 }" [1 @Another way you can save money is to buy a certificate of deposit or CD.If you have some
7 ?( R1 h5 H- c9 v0 d; ]: h0 smoney that you don’t need to use for a long time,this is a good way to make your money grow.1 u Y- R! o; _0 z% U3 e
You Can buy a CD at a bank You agree not to use the money for a certain period of time
7 m. }1 X/ H- wThat period might be from six months to five years.You can’t touch your money during that time
- ?2 R8 b# V" a' x7 T" QIf you do,you must pay a penalty,or fee% A# v! [ e: ]7 e- {, @) m
36 Your money will earn more money if you put it7 J: D q- q. h1 Q
A in your room.; S( q: I6 Z' M1 n
B in a piggy bank
$ `% a7 T8 U, D7 k! h, E g C、in your pocket.
7 g) ^- b0 b" _( P4 m% A2 @ D in a savings account.
" A( [$ I% S- V8 l; |6 E0 D37 A bank pays you interest for1 J6 J2 Y$ o! `- f- c3 W) A R& `( {
A wasting your money
6 b& t6 W2 {$ G% ]) I( p/ ?3 n$ K. a4 _ B losing your money.
" E& P( ^2 Q4 a) I: ]# E1 M. {) N C using your money.+ `& ?& \% S/ w, B: `
D decreasing your money, D7 d8 V! V" N1 E
38 Among other things,a bank statement tells you& M9 q, e5 R0 b! b" h
A the amount of money you have in the bank.
+ k2 r! n' A P1 V* E B the current rates of interest. ,0 Z2 G. U: k7 }- g: ], Q
C the current rates of exchange.
* P2 i% V* t! I# _" J D the best way to save your money•: i" R8 e3 P- J
39 If you draw your money before it is due,you will have to2 K( }5 t" B' _# r( a9 R( K( Y% d3 j
A pay interest to the bank.
7 V/ W" |0 c) g) K B close your account
?$ B- J8 I/ r1 o% F C open a new account.0 I* [8 V* ]9 ^* j
D pay a penalty or fee.8 U+ \7 }0 V0 B, ^
40 The word“touch’’in paragraph 7 could be best replaced by
0 G" Y1 Z/ D( j) H/ J7 R A “deposit”. F4 c) m; A* g$ K; G7 p, c' S
B “lend”., \; S9 J. E G1 U; Z* _& k4 S; j( ?
C “use”.
y) S7 Q) v7 u5 \& O D “cash”. |