Special Savings Plans
: g6 Z+ _9 f& C: I 特种储蓄章程
) ~! r, d9 y7 [4 H Situation 21
4 D; N& y3 }7 h, Z 情景 219 H; Y5 U: j* F* S+ \8 r
Sally Berklin wants information about the Savings Bond plan atthe First National Bank., y% k$ r, v# ^" K% o; R# H
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,& P9 H# J, ?/ z& v( b
She is talking to the manager of the Savings Department .
3 t H' K+ p2 R: O/ Y 她正在和储蓄部门经理谈话。
& I) f- q1 x0 o2 y# ?, D! H Berklin:What do you mean about the Savings Bond plan?Is it possible for me to use that type ofaccount ,too?
% {- K3 S m4 ]. \" {1 f6 C 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?
8 t2 D% a& c2 p! p; m+ N3 \' d" y/ z/ ^ Manager:Yes,of course .We offer it to all our customers.Our Savings Bond program offers ourhighest rate of interest for long-term savers.# U: M' i1 V4 ~1 j/ @) l9 S
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。
& _# r# {% K1 s Actually ,they are certificates of deposit for maturities of six to ten years ,+ d2 d* p- a$ f P
实际上它们是定期为6到10年的存单,
- S8 ^9 M U6 k, i6 c( j0 O$ ^ and are available in any amount from $5,000 to $100,000.0 r7 Q! r# g# m# S3 H4 T
存款额从5,000美元到100,000美元的任何定期存单。
+ y* q6 V& ?* ?* e: n) R1 c3 O B:Oh,they are only for people with lots of money .
8 O( m9 g/ M0 P( Q 伯克兰:哦,这个章程只是为那些很有钱的人设立的。
, R& R B: `# z; x M:Well ,actually you’d be surprised at the number of middle-income people who use this program,especially retired people./ D$ W, `5 I% L$ ~0 l6 V) o
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。
& @) W! E0 N' T3 g You see ,we pay accumulated interest by bank check every quarter.
0 C- Z1 z2 |5 [- J& T( } 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,6 i+ V; H3 q, ?) j; [" t
So they are almost like an investment plan .
' K+ y! t) O' M$ ~ 因此,这些存款几乎就是一笔投资规划。$ d8 j, F# W3 U0 r) \' e0 d
B:That sounds very nice.But what if I have to cash in the Savings Bond before maturity?
" w# x* ]* K: I) N$ A2 ~; v1 v. @; O 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?& y' Q7 ?+ [+ t* O' ]7 @
M;Well,unfortunately ,you would incur a penalty ,as with any premature cancellation of a timedeposit .. R1 n9 {9 `2 e
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。
4 B3 @ g7 j3 X5 R But we encourage customers not to buy Savings Bonds unless they are reasonably sure they canhold them until matuity .
6 [( N% N& ?, l! _ 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。
9 k6 b* N' J" I B;They sound like an excellent investment idea,especially the advantage of receiving earnedinterest every three months .& g+ w$ c& V! \1 c- T. s A3 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。
: m4 b2 m, f$ s) c: F; V1 p" X& v I’ll consider placing some of my savings in Savings Bonds as soon as I save enough.
( R3 C7 c- h5 k7 ]& ^ 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。 |