過多的熱錢
Lily and Nathan are friends. They are chatting.
莉莉和奈森是朋友，他們正在聊天。
Nathan: I read online that someone saved up NT$1.2 million in a term deposit and thought he could collect interest on the whole amount.
奈森：我今天看到網路上有人說他存了120多萬的定存，以為可以拿到全額相對應的利息。
save up存錢term(n.)期限、時期in the short, long term短期、長期而言term deposit定存collect(v.)收錢、收集interest rate利率
Lily: Then what happened?
莉莉：然後怎麼了？
Nathan: The bank told him he could only collect interest for the first 1 million dollars he had deposited into the account. For the rest of the money he had saved, the 200,000 dollars, it ended up gaining no interest.
奈森：銀行告訴他只有100萬的存款可以收取利息，結果剩下的20多萬就沒有利息。
account(n.)帳戶end up最後如何gain(v.)(n.)獲得
Lily: Quite some loss. But I thought that was common sense.
莉莉：損失蠻重的，但我以為這是常識耶。
lose(v.)失去loss(n.)損失sense(n.)理智、判斷力common sense常識
Nathan: Does every bank do that?
奈森：每間銀行都這樣嗎？
Lily: Mostly. There’s a limit on the amount of money that collects interest. But they often have different systems, so it depends.
莉莉：大部份，可以收取利息的金額有個上限，但每家銀行機制不同所以也要看情況。
limit(n.)(v.)限制、上限amount(n.)（不可數的）總量system(n.)系統、機制it depends看情況depend on sth.取決於
Nathan: Should we split our savings into several accounts then?
奈森：那我們該把存款分到好幾個帳戶裡嗎？
savings(n.)積蓄、存款several(adj.)數個、好幾個
Lily: Or you can consider investing your money somewhere else.
莉莉：或者你也可以考慮把錢投資在其他地方。
consider(v.)考慮invest(v.)投資