网站教给年轻人怎样储蓄
Websites Show Young People How to Save
This is the VOA Special English Education Report.
Young people are perhaps better-known for spending money than saving it. But some new banking websites are seeking to change that. These websites offer young people the information and tools they need to watch over their money. The websites also let the users share their financial experiences with other young people.
Nineteen-year-old Alix Scott has been working at a store this summer. She is saving money to pay for college next year.
ALIX SCOTT: "I have to save for all my college money because my parents, they can't afford to co-sign on loans. So, I have to rely on my own savings."
But instead of putting her money in a local bank, Miz Scott began using SmartyPig, a web-based banking service.
ALIX SCOTT: "When I do that, I overcome the impulses to just spend the money."
Michael Ferrari developed SmartyPig with a friend in two thousand seven.
MICHAEL FERRARI: "SmartyPig is really all about helping people save for very specific financial goals. So that could be a wedding, a vacation, an I-phone."
Mister Ferrari says SmartyPig opened after he started a college savings account for his new baby. He says that experience helped him realize the power of saving for a specific goal. Helping other savers pay attention to their goals is the idea behind his on-line company.
MICHAEL FERRARI: "For example, I'm saving up for a vacation. I want to save five thousand dollars. I want to meet this goal in three years. SmartyPig will actually calculate how much money you need to allocate every month. You don't have to move from your existing bank, we'll actually go in and withdraw those funds on the day you specify every month and we'll put them into your SmartyPig account, where they'll actually accrue interest, as well."
Mister Ferrari says his website also enables outsiders to add money to the accounts of its users.
MICHAEL FERRARI: "Perhaps maybe a holiday is coming up or your birthday is coming up, and rather than getting a gift, your friends, your family can actually contribute to any of your SmartyPig goals."
Twenty-two-year-old Khang Nguyen is studying civil engineering in college. He likes being able to share his saving goals with his online community.
KHANG NGUYEN: "I think it's actually a good thing that they are able to see it. Like, a bunch of my friends after they found out, you know, about what I do, they always come ask me for financial advice."
A growing number of young people have shown an interest in online banking sites like SmartyPig. They say they like the ease of operation and services the sites offer. These personal finance websites offer tools that help users follow their spending, set up a budget, and combine their investments. And they all involve social media, which interests young adults who are already at ease about sharing their personal information online.
Janet Stauble is with the personal finance webs
ite bankrate dot com.
JANET STAUBLE: "There's all kinds of individuals who have their own blogs who are talking about money, creating videos, making info-graphics. You just kind of see personal finance information in places that you wouldn't expect."
Miz Stauble says people share things on the Internet that they might not say to their friends.
JANET STAUBLE: "It's not likely that, you know, you might go to a friend and say, ‘Hey, I paid off one thousand dollars on my credit card today,' but people write up blog posts about it and they explain how they did it, and how much closer they are to their financial goal, whatever it is."
And that's the VOA Special English Education Report. I'm Christopher Cruise.
?: https://www.sodocs.net/doc/1a8528790.html,/broadcast/201109/152957.shtml
这里是VOA特别英语教育报道。
相对于储蓄，年轻人可能更善于花钱。但是一些新的银行网站正在试图改变这种状况。这些网站为年轻人提供所需的信息和工具，帮助他们管理自己的钱财。这些网站还允许用户与其他年轻人分享自己的理财经验。
19岁的Alix Scott今年夏天曾在一家商店工作。她正在存钱来支付明年读大学的费用。
ALIX SCOTT：“我必须存储读大学所需的所有费用，因为我的父母不能贷款。所以，我必须依靠自己的储蓄。”
但是SCOTT并不把自己赚的钱存在当地银行，而是使用网络银行服务SmartyPig。
ALIX SCOTT：“通过这个网站，我可以控制花钱的冲动。”
Michael Ferrari和一个朋友在2007年创办了SmartyPig。
Michael Ferrari：“SmartyPig帮助人们为了某个特定的财政目标而储蓄，例如婚礼，度假和I-phone。”
Ferrari表示，他为新出生的孩子开设了大学储蓄账户之后开办了SmartyPig。他说，这个经历帮助他意识到为特定的目标而储蓄的威力。他的网络公司的想法就是帮助其他储蓄者时刻关注自己的目标。
Michael Ferrari：“例如，我正在为度假而储蓄。我想存够5,000美元。我希望在三年之内达到这个目标。SmartyPig会帮我精确计算出每个月需要存多少钱。你不需要从现在的银行账户中把钱取出来，我们只要具体到每天节约多少钱，然后存入SmartyPig账户，这样还可以产生利息。”
Ferrari表示，他的网站还可以允许外人向网站用户的账号中存钱。
Michael Ferrari：“或许节日即将来临，或者你的生日即将来临，你的朋友和家人可能不送你礼物，而是向你的SmartyPig账户中存钱。”
22岁的Khang Nguyen在大学中学习土木工程。他喜欢在网络社区中分享自己的储蓄目标。
Khang Nguyen：“我认为别人能够看到我的目标是一件好事。例如，我的朋友发现了我正在做的事情，他们都会让我提出理财建议。”
越来越多的年轻人对SmartyPig等在线银行网站表现出了兴趣
。他们说，他们喜欢这种网站提供的操作和服务的轻松和悠闲。这些个人理财网站提供一些工具，帮助用户追踪他们的开支，制定预算，综合投资。这些网站上还有社交媒体，吸引一些乐于分享个人信息的年轻人。
Janet Stauble是个人理财网站https://www.sodocs.net/doc/1a8528790.html,的工作人员。
Janet Stauble：“许多个人都有自己的博客，探讨关于钱财的问题，制作视频或者图表。你会在意想不到的地方看到一些个人理财信息。”
Stauble表示，人们会在互联网上分享他们不愿和朋友说的事情。
Janet Stauble：“比方说，你知道，你可能不会跟一个朋友说，‘我今天偿还了信用卡上的1,000美元。’但是人们可能会在博客中写这件事，并且解释是怎样做到的，他们距离自己的理财目标有多远，等等内容。”
?: https://www.sodocs.net/doc/1a8528790.html,/broadcast/201109/152957_2.shtml
1.overcome vt.vi.战胜; 克服
例句：He believed the faith that truth would overcome.
他相信真理终会得胜。
He has enough courage to overcome the difficulty.
他有足够的勇气来克服这个困难。
2.impulse n.凭冲动行事, 突如其来的念头
例句：He felt an irresistible impulse to rush into the room.
他有一种难以抗拒的冲动想冲进房间。
3.specific adj.明确的, 确切的, 详尽的
例句：What's the specific time of his arrival?
他确切的到达时间是几点钟?
4.calculate vt.vi.计算, 估计, 核算
例句：Have you calculated the result?
你算出结果来了吗?
5.specify vt.详述
例句：Please specify what you will do.
请你详述一下你将做什么。
指定
例句：We should specify a time and a place for the meeting.
我们应指定会议的时间和地点。
6.accrue vi.增加, 增长, (利息等的自然)滋生, 增加
例句：Interest accrues on a bank accout.
银行账户的利息在增长。
(使钱款、债务)积累
例句：The company had accrued debts of over 1000 yuan.
该公司已积欠了1000多万元的债务。
7.enable vt.使能够; 提供做…的权利[措施]; 使有机会
例句：A majority vote enabled the passage of the resolution.
多数人投赞成票使议案得以通过。
?: https://www.sodocs.net/doc/1a8528790.html,/broadcast/201109/152957_3.shtml
1.These websites offer young people the information and tools they need to watch over their money.
watch over看守,监视
例句：Would you please watch over my booth?
请您照料一下我的摊位好吗?
2.I have to save for all my college money because my parents, they can't afford to co-sign on loans.
afford to支付的起
例句：He can ill afford to refuse.
他几乎不能拒绝。
3.So, I have to rely on my own savings.
rely on信赖, 依赖,依靠
例句：You can rely on me for help.
你可指望我来帮忙。
4.Helping other savers pay attention to their goals is the idea behind his on-line company.
pay attention to注意，关心
例句：No attention was paid to his advice.
他的建议没有引起注意。
5.And they all involve social media, which interests young adults who are already at ease about sharing their personal information online.
at ease安逸,自由自在
例句：I am never at ease with strangers.
我在陌生人面前总会感到不自在。
?: https://www.sodocs.net/doc/1a8528790.html,/broadcast/201109/152957_4.shtml