Học tiếng Anh hiệu quả, nhanh chóng: http://www.facebook.com/HocTiengAnhVOA, http://www.voatiengviet.com/section/hoc-tieng-anh/2693.html. Nếu không vào được VOA, xin hãy vào http://vn3000.com để vượt tường lửa. Các chương trình học tiếng Anh miễn phí của VOA (VOA Learning English for Vietnamese) có thể giúp bạn cải tiến kỹ năng nghe và phát âm, hiểu rõ cấu trúc ngữ pháp, và sử dụng Anh ngữ một cách chính xác. Xem thêm: http://www.facebook.com/VOATiengViet
Luyện nghe nói và học từ vựng tiếng Anh qua video. Xem các bài học kế tiếp: https://www.youtube.com/playlist?list=PLD7C5CB40C5FF0531
Are you a saver or a spender? “A penny saved is a penny earned.” This old saying calls attention to the wisdom of saving money. “Putting money away for a rainy day” is another way to talk about saving for the future. In the United States, people who want to start a savings account have different choices of where to put their money. These include banks and credit unions. Credit unions are cooperatives for individuals who often share a work-related connection. For example, the members might work for a university or a government agency. Most credit unions are non-profit organizations. Credit unions, banks and other financial institutions pay interest on savings accounts. But the interest rates are generally low. Certificates of deposit pay higher returns. With a certificate of deposit, or CD, a person agrees not to withdraw the money for a period of time. This term could be anywhere from a few months to several years. Longer terms, and larger amounts, pay higher interest. People have to pay a small fine to withdraw their money early. Another way to save is through a money market fund. This is a kind of mutual fund. Mutual funds invest money from many people. The money is sometimes placed in short-term government securities. Money market funds, however, may not be federally guaranteed like other kinds of savings. The Federal Deposit Insurance Corporation guarantees savings up to 250-thousand dollars.
