年收益率多高？
Jane is chatting with her dad. She is wondering if she should switch to a savings account with a higher interest rate.
珍在跟爸爸聊天，她想知道她應不應該轉換成利率較高的存款帳戶。
switch(v.)轉換
Jane: I heard some banks offer high-yield savings accounts with over 2% annual percentage yield. Should I switch?
珍：我聽說有些銀行提供年收益率2%以上的存款帳戶，我該轉換帳戶嗎？
annual(adj.)每年的percentage(n.)百分比
Dad: Well, how high is your current APY?
爸爸：妳目前的年收益率多高？
Jane: It’s only 1.5%.
珍：只有1.5%。
Dad: That’s not bad. Do you have a lot of money saved up in your account?
爸爸：那還不錯，妳的帳戶裡存了很多錢嗎？
Jane: Around NT$200,000.
珍：大約台幣20萬元。
Dad: Before you go through the hassle of opening a new savings account, do the calculations.
爸爸：在妳花時間開設新的存款帳戶前，算算妳會賺多少利息。
go through the hassle of sth.=處理麻煩事calculation(n.)計算calculate(v.)計算
Jane: I’m slow at math.
珍：我算得很慢啊。
Dad: Here. The difference in interest you would earn over a year is only NT$1,000.
爸爸：吶，妳一年只會多賺台幣1,000元的利息。
difference(n.)差額;差距
Jane: That’s it?
珍：就這麼多？
Dad: Yes. And that’s before taxes.
爸爸：對，而且是稅前的利息收入。
tax(n.)税
Jane: I see.
珍：了解。
Dad: It is mainly people who have an account with a higher balance that should concern themselves with APY.
爸爸：主要是帳戶餘額很高的人才會需要擔心年收益率的問題。
balance(n.)餘額concern one(self) with sth.=使某人(自己)擔心某事