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.
People who hate to spend money are known as “tightwads”, while those who like to get the most value for their money are called “thrifty”.         A spendthrift is someone who spends wastefully. People like that are often said to spend money “like a drunken sailor” or “like there is no tomorrow”.
In the United States, people who want to start a savings account have different choices of where to put their money.         Credit unions are cooperatives for people who have some kind of connection. For example, the members might work for a university or a government agency. Most credit unions are nonprofit organizations.
Credit unions, banks and other financial institutions pay interest on savings accounts. But the rates are low. Certificates of deposit (定期存款) pay higher returns. With Certificates of deposit, people agree not to withdraw the money for a certain period of time. This term could be anywhere from a few months to several years.         People can withdraw the money early but they have to pay a penalty.(罚金)
In many countries, people have been saving less over the years. It is reported that in 2000, Americans had a household savings rate of 7%.          Many European countries have higher rates, but Americans save more than families in Japan.

A．People are willing to save money for the future.

B．Before gold, even kings take off their hats.

C．A penny saved is a penny earned.

D．Longer terms, and large amounts, pay higher interest.

E.This year the rate is expected to be a little more than four percent.
F.These include banks and credit unions.
G.A thrifty person is different from a spendthrift.

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