Special Savings Plans
特種儲(chǔ)蓄章程
Sally Berklin wants information about the Savings Bond plan at the First National Bank.
薩利·伯克蘭在第一國(guó)民銀行想得知一些有關(guān)儲(chǔ)蓄債券章程的信息，
She is talking to the manager of the Savings Department .
她正在和儲(chǔ)蓄部門(mén)經(jīng)理談話(huà)。
Berklin:What do you mean about the Savings Bond plan?Is it possible for me to use that type of account ,too?
伯克蘭：您所說(shuō)的儲(chǔ)蓄債券章程是什么意思?我是否也能使用這種帳戶(hù)呢?
Manager:Yes,of course .We offer it to all our customers.Our Savings Bond program offers our highest rate of interest for long-term savers.
經(jīng)理：當(dāng)然可以，我們向所有顧客提供這種帳戶(hù)。我們的儲(chǔ)蓄債券章程對(duì)長(zhǎng)期存款儲(chǔ)戶(hù)提供利率。
Actually ,they are certificates of deposit for maturities of six to ten years ,
實(shí)際上它們是定期為6到10年的存單，
and are available in any amount from $5,000 to $100,000.
存款額從5，000美元到100，000美元的任何定期存單。
B:Oh,they are only for people with lots of money .
伯克蘭：哦，這個(gè)章程只是為那些很有錢(qián)的人設(shè)立的。
M:Well ,actually you'd be surprised at the number of middle-income people who use this program ,especially retired people.
經(jīng)理：實(shí)際上，相當(dāng)多的中等收入的人特別是退休的人都用這種章程，您會(huì)對(duì)其使用人數(shù)之多感到驚奇。
You see ,we pay accumulated interest by bank check every quarter.
您看，我們每個(gè)委度都以銀行支票的形式向顧客支付累計(jì)利息，
So they are almost like an investment plan .
因此，這些存款幾乎就是一筆投資規(guī)劃。
B:That sounds very nice.But what if I have to cash in the Savings Bond before maturity?
伯克蘭：聽(tīng)起來(lái)真不錯(cuò)，但是如果我不得不提前兌現(xiàn)儲(chǔ)蓄債券怎么辦?
M:Well,unfortunately ,you would incur a penalty ,as with any premature cancellation of a time deposit .
經(jīng)理：很遺憾，就象提前支取定期存款一樣，您得接受一定罰款。
But we encourage customers not to buy Savings Bonds unless they are reasonably sure they can hold them until matuity .
但是，我們希望顧客們十分確信有把握直到期滿(mǎn)才支取存款，再來(lái)購(gòu)買(mǎi)儲(chǔ)蓄債券。
B:They sound like an excellent investment idea,especially the advantage of receiving earned interest every three months .
伯克蘭：聽(tīng)起來(lái)這是個(gè)極好的投資辦法，特別是每3個(gè)月就能得到利息的好處。
I'll consider placing some of my savings in Savings Bonds as soon as I save enough.
等我把錢(qián)攢夠了，我馬一考慮把我的一部分積蓄換成儲(chǔ)蓄債券。
特種儲(chǔ)蓄章程
Sally Berklin wants information about the Savings Bond plan at the First National Bank.
薩利·伯克蘭在第一國(guó)民銀行想得知一些有關(guān)儲(chǔ)蓄債券章程的信息，
She is talking to the manager of the Savings Department .
她正在和儲(chǔ)蓄部門(mén)經(jīng)理談話(huà)。
Berklin:What do you mean about the Savings Bond plan?Is it possible for me to use that type of account ,too?
伯克蘭：您所說(shuō)的儲(chǔ)蓄債券章程是什么意思?我是否也能使用這種帳戶(hù)呢?
Manager:Yes,of course .We offer it to all our customers.Our Savings Bond program offers our highest rate of interest for long-term savers.
經(jīng)理：當(dāng)然可以，我們向所有顧客提供這種帳戶(hù)。我們的儲(chǔ)蓄債券章程對(duì)長(zhǎng)期存款儲(chǔ)戶(hù)提供利率。
Actually ,they are certificates of deposit for maturities of six to ten years ,
實(shí)際上它們是定期為6到10年的存單，
and are available in any amount from $5,000 to $100,000.
存款額從5，000美元到100，000美元的任何定期存單。
B:Oh,they are only for people with lots of money .
伯克蘭：哦，這個(gè)章程只是為那些很有錢(qián)的人設(shè)立的。
M:Well ,actually you'd be surprised at the number of middle-income people who use this program ,especially retired people.
經(jīng)理：實(shí)際上，相當(dāng)多的中等收入的人特別是退休的人都用這種章程，您會(huì)對(duì)其使用人數(shù)之多感到驚奇。
You see ,we pay accumulated interest by bank check every quarter.
您看，我們每個(gè)委度都以銀行支票的形式向顧客支付累計(jì)利息，
So they are almost like an investment plan .
因此，這些存款幾乎就是一筆投資規(guī)劃。
B:That sounds very nice.But what if I have to cash in the Savings Bond before maturity?
伯克蘭：聽(tīng)起來(lái)真不錯(cuò)，但是如果我不得不提前兌現(xiàn)儲(chǔ)蓄債券怎么辦?
M:Well,unfortunately ,you would incur a penalty ,as with any premature cancellation of a time deposit .
經(jīng)理：很遺憾，就象提前支取定期存款一樣，您得接受一定罰款。
But we encourage customers not to buy Savings Bonds unless they are reasonably sure they can hold them until matuity .
但是，我們希望顧客們十分確信有把握直到期滿(mǎn)才支取存款，再來(lái)購(gòu)買(mǎi)儲(chǔ)蓄債券。
B:They sound like an excellent investment idea,especially the advantage of receiving earned interest every three months .
伯克蘭：聽(tīng)起來(lái)這是個(gè)極好的投資辦法，特別是每3個(gè)月就能得到利息的好處。
I'll consider placing some of my savings in Savings Bonds as soon as I save enough.
等我把錢(qián)攢夠了，我馬一考慮把我的一部分積蓄換成儲(chǔ)蓄債券。