Smart Savings
美音、自然拼读、分级阅读与词汇复习
Money makes the world go around.
金钱使出世间相去相去.
This is a popular saying because in many ways, it’s true.
因为在许多方面,
People use money to purchase things they need or want.
人们用钱购买他们需要或想要的东西.
Adults often work jobs to earn money.
成人往往工作赚钱.
Children sometimes earn money, too.
孩子们有时也会赚钱
They may get an allowance for doing jobs around the house.
她们在家庭周围工作可以获得津贴。
Some children make money by working at jobs or even have their own businesses.
有些儿童通过工作甚至有自己的企业赚钱。
Some jobs only happen when it snows.
有些工作只有在下雪时才会发生.
Other jobs are every day, like making your bed or doing dishes.
其他工作每天都在做,比如做你的床或者做盘子.
You may not get paid for each job you do.
你做的每一活都可能得不到报酬
Instead, you may get paid one sum for all the jobs you do.
相反,你所做的所有工作可以得到一笔报酬。
Spending money can be exciting, but what if you can’t afford to buy something?
如果你买不起东西呢?
Some of you probably thought, I’ll ask my parents for money.
可能有些人认为,
That might work, but there’s another way: saving money.
但还有另一种方法:储蓄。
When you save money, you choose not to spend it.
省出钱的时候,选择不花.
Instead, you keep some or all of it.
取而代之的是,你留着一些或所有的东西。
The money you keep is called savings.
你留的钱叫做储蓄
Saving takes patience.
保存需要耐心。
If you keep it up, your savings will grow over time.
如果你坚持下去,你的储蓄会随着时间的推移而增长.
If you keep saving, in time you’ll have enough money to buy the thing you want.
如果你继续存钱, 你就会有足够的钱买你想要的东西。
The amount of money you need is your savings goal.
你需要多少钱是你的储蓄目标。
Having a goal gives you a reason to save money and helps keep you from spending it all.
目标让你有理由节省钱 帮助你避免花掉所有的钱
A goal isn’t necessary, though.
不过,
Just saving money in case you need it later is also a good idea.
省省钱以防你晚点需要也是个好主意
Let’s say you get a $5 allowance each week.
每周可得到5美元补贴。
The table below shows how quickly saving some or all of your allowance can add up.
下表显示节省部分或全部津贴的速度。
Money Saved Each Week Total Saved After 1 Month (4 Weeks) Total Saved After 6 Months (26 Weeks) Total Saved After 1 Year (52 Weeks) $1 $4 $26 $52 $2 $8 $52 $104 $3 $12 $78 $156 $4 $16 $104 $208 $5 $20 $130 $260 $uper $aver Super Saver Count coins in groups of five or ten.
1个月(4周)后节省的资金 6个月(26周)后节省的资金 一年(52周)后节省的资金 总计1美元 2652美元 8美元 104美元 12美元 78美元 156美元 16美元 104美元 208美元 20美元 130美元 260美元 $uper $aver Super Saver Counter Colds分五或十组.
Then add them together to get your total.
然后把它们加在一起 得到你的总数。
Once you have some savings, where do you put it?
一旦你有一些储蓄, 你把它放在哪里?
Many children put money in piggy banks.
许多孩子把钱放入了小猪银行.
These come in all shapes and sizes.
这些是形而上学的
Many are shaped like pigs or other animals.
许多形状像猪或其他动物.
You might find one in the shape of your favorite superhero or a character from your favorite show.
你可能会发现你最喜欢的超级英雄 或你最喜欢的节目中的角色
You can even make your own!
你甚至可以让自己的!
Some piggy banks have a second opening so you can remove money easily.
一些小猪银行有第二个开口,这样你就可以轻松地去取钱了.
Others you have to break apart.
其他人你必须分开。
Having to smash your bank might make you think twice about spending the money inside it.
不得不砸碎你的银行 可能会让你再想一想把钱花在里面
People have saved money in empty containers for hundreds of years.
人们在空容器中存了几百年的钱.
But why are they called piggy banks today?
但为什么今天叫小猪银行?
There isn’t a clear answer.
也没有明确的答案。
Some say it’s because many old jars were made of a type of clay called pygg (PUG).
有些人说, 这是因为许多旧罐子是由一种叫Pygg(PUG)的粘土制成的。
Over time, the name changed to pig.
随着时间的推移,更名"猪".
Others say it’s because to some groups of people, pigs stand for good luck or being smart with money.
也有人说, 这是因为对一些人群来说,
Both answers could be true.
两个答案都可能是真的。
Piggy Banks This clay jar held coins dating back to 300 bce.
小猪银行 这个粘土罐持有可追溯到300bce的硬币.
This cast-iron coin bank is from the 1800s.
这座铸铁硬币库出自1800年代.
You could always hide your money.
你总能把钱藏起来
Some people squirrel away money under their mattress or in a drawer.
有些人把钱放在床垫下或抽屉里
If you’re feeling like a pirate, burying your money is always an option.
如果你觉得自己是海盗,
Hiding money in the freezer is also common.
将钱藏入冷藏所也很常见.
Where would you hide money?
你把钱藏在哪里?
Keeping your money in a piggy bank or hiding it can cause problems, though.
把钱藏在小猪的银行里或藏起来 可能会造成问题
Someone else could steal it.
别人会偷的
You might forget where you placed your money, or it could become damaged.
你可能会忘记你把钱放哪了 或者它可能会受损
But the biggest problem is that this money can’t earn more money.
但最大的问题是,
You read that right.
你读的对。
If you save money, you can actually earn more money.
如果你省了钱,你就能赚更多的钱。
Here’s the trick: you have to put it in the bank.
这是个诀窍:你必须把它放入银行。
This does not mean a piggy bank.
这并不意味着一个小猪银行。
It means a company that takes care of people’s money or lends people money.
指照顾人财或出借人财的公司.
W Wiseord To squirrel away means to put something in a safe or secret place for future use.
智者号 松鼠离开意味着将一些东西放入安全或秘密的地方供将来使用.
At a bank, you and a parent or guardian can open what’s called a savings account.
在银行,您和父母或监护人可以开一个储蓄账户。
You deposit, or put, money into your savings account.
你把钱存入储蓄帐户
The amount of money you have in the bank is your balance.
银行里的钱是你的余额
A girl and her grandfather talk to a bank teller about opening a savings account.
一个女孩和她的外公跟银行出纳商谈开设储蓄账户的事.
The bank protects the money for you.
银行为你保护钱
It’s still your money, and you can remove it from the bank whenever you want.
这笔钱还是你的,
If something happens to the bank, you can still get your money back because banks have insurance.
如果银行出了事,你还是可以拿回你的钱,因为银行有保险。
The bank pays an insurance company in case people’s savings are lost or stolen.
银行支付保险公司,以防人们的储蓄丢失或被窃取。
If that happens, the insurance company gives people back the money they had saved.
如果发生这种情况,保险公司会把存下来的钱还给别人.
U.
吴.
S.
师曰.
bank vaults started to be used during the 1849 Gold Rush.
银行金库在1849年"黄金狂欢"期间开始被使用.
By the 1920s, the vaults were huge!
到1920年代,金库规模很大!
When you deposit money in the bank, you allow the bank to use your money to make more money.
在银行存款时,允许银行用你的钱来赚更多的钱.
For example, the bank may lend people money.
例如,银行可能向人们贷款。
Those who borrow money from the bank have to pay it back.
从银行借出钱的人,必须还清.
Banks lend people money to buy a home.
银行借钱给别人买房子
Banks lend people money for college tuition.
银行借钱给别人上大学
The bank charges money for allowing people to borrow and use the money.
银行收取钱 允许人们借款和使用钱。
This extra money is called interest.
这额外的钱叫做利息。
This is just one of the many ways banks can use your money to earn more money.
这只是银行用你的钱赚更多钱的多种方法之一。
Because the bank uses your money, it also pays you interest.
因为银行用你的钱 还付你利息
The larger the balance in your savings account, the more interest you earn.
你储蓄账户的余额越多,你赚的利息就越多.
It won’t be much, but it can increase over time.
但随着时间的推移,
Let’s say you deposit $10 in the bank, and the bank pays you 10 cents in interest.
银行付你10分利息。
How much interest will the bank pay you if you deposit $50?
如果你存款50美元,银行会付你多少利息?
Answer: 50 cents 10 +2 =12 5 ×5 =2 5 6 /2 =3 1 0 +2 =12 5 ×5 =2 5 6 +2=3 10+2=12 5×5=25 6/2=3 10+2=12 5×5=25 6+2=3 10+2=12 5×5=25 6/2=3 10+2=12 5×5 =2 5 6 +2=3 10 +2 =12 5 ×5 =2 5 6 /2 =3 Math Minute Different banks pay different rates of interest on savings accounts.
答:50分 10+2=12 5×5=2 5 6.2=3 1分 0+2=12 5×5=2 5 6+2=3 10+2=12 5×5=25 6/2=3 10+2=12 6+2=3 10+2=12 5×5=25 6/2=3 10+2=12 5 10+2=3 5 10+2=12 10+2=12 5 5+2=5 6/2=3 数学分钟 不同的银行对储蓄账户支付不同的利率.
Some banks may require you to start your savings account with a certain amount of money.
有些银行可能要求您用一定金额的存款开户.
Look at different banks to find the right one for you.
看看不同的银行 为你找到合适的银行
Many savings accounts can be viewed online.
许多储蓄账户可以在网上查看。
Accounts for kids are often more kid-friendly than accounts for adults—and more fun.
与成人相比,
Now that you know more about saving money, try it for yourself.
现在,你知道更多 关于储蓄, 尝试自己。
When you get some money, save some or all of it.
当你得到一些钱,保存一些或全部。
It’s not always easy, but keep saving.
这并非总容易,
You might be surprised how quickly your money adds up.
你可能很惊讶你的钱多快赚了
Some kids save euros.
有些孩子存了欧元
Some kids save dollars.
有些孩子会省钱的
Whatever you save, you can be a savings superhero.
无论你救了什么,你都可以成为一个储蓄超级英雄。
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