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  3. Saving Money Saving money is a first step toward wealth./ Putting money away for the future also supports the banking syste

Saving Money Saving money is a first step toward wealth./ Putting money away for the future also supports the banking syste

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答案 Saving Money Saving money is a first step toward wealth./ Putting money away for the future also supports the banking system./ Banks need a supply of savings to provide money for loans./ In the United States, people who want to start a savings account have many choices./ Banks, savings- and-loans and credit unions are traditional places to open an account./ Credit unions are cooperatives for people who are linked in some way./ For example, the members may work for a university or a government agency./ Most credit unions are non-profit organizations./ Savings are protected up to a limit if a federally guaranteed bank,/ savings association or credit union ever fails./ Savers have their money guaranteed up to one hundred thousand dollars./ Banks and other financial organizations pay interest on savings accounts./ But the interest rates are low./ Certificates of deposit are another way to save./ They pay higher interest rates./ With a certificate of deposit,/ a person agrees not to withdraw an amount of money for a period of time./ The term could be three months, or it could be several years./ Longer terms, and larger amounts, pay higher interest./ People can withdraw their money early but at a cost./
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