Intermediate - Saving with Alipay (C2389)

A: 老公,年终奖我们存在银行吧。
lǎogōng, niánzhōngjiǎng wǒmen cún zài yínháng ba.
Honey, let's deposit our year end bonuses in the bank.
B: 我们存余额宝吧。
wǒmen cún Yúébǎo ba.
Let's put it in an Alipay Surplus account.
A: 余额宝是什么?
Yúébǎo shì shénme?
What's an Alipay Surplus account?
B: 它是支付宝的产品。你不是常用支付宝在网上买东西吗?余额宝不但利息高,而且网上买东西也方便。。
tā shì Zhīfùbǎo de chǎnpǐn. nǐ bùshì cháng yòng Zhīfùbǎo zài wǎngshàng mǎi dōngxi ma? Yúébǎo bùdàn lìxi gāo, érqiě wǎngshàng mǎi dōngxi yě fāngbiàn..
It's a product from Alipay. Don't you often use Alipay to buy things online? Alipay Surplus accounts not only have a high interest rate, they also make buying things online easy.
A: 那我要用钱的时候怎么取出来呢?
nà wǒ yào yòng qián deshíhou zěnme qǔ chūlái ne?
Then when I want to use the money, how do I get it out?
B: 转账到你的银行卡,用银行卡取。
zhuǎnzhàng dào nǐde yínhángkǎ, yòng yínhángkǎ qǔ.
You transfer it to your bank card and use your bank card to take it out.
A: 有风险吗?
yǒu fēngxiǎn ma?
Is there a risk?
B: 风险肯定有。但是最近一直没有亏过,利息也不错。我们先存一点钱试试吧?
fēngxiǎn kěndìng yǒu. dànshì zuìjìn yīzhí méiyǒu kuī guò, lìxi yě bùcuò. wǒmen xiān cún yīdiǎn qián shìshi ba?
Of course there's a risk. However, recently there haven't been any losses, and the interest isn't bad. How about we put a bit of money in there and try it?
A: 行,那我以后买东西更方便了。
xíng, nà wǒ yǐhòu mǎi dōngxi gèng fāngbiàn le.
Okay. Then when I buy things later, it'll be easier.

Key Vocabulary

年终奖 niánzhōngjiǎng New Year's bonus
存 cún to save
银行 yínháng bank
余额宝 Yúébǎo Alipay Surplus account, a money market account offered by Alipay
支付宝 Zhīfùbǎo AliPay
产品 chǎnpǐn merchandise
网上 wǎngshàng online
利息 lìxi interest
取 qǔ to get
转账 zhuǎnzhàng to transfer (money)
银行卡 yínhángkǎ banking card
风险 fēngxiǎn risk
亏 kuī to take a loss
试试 shìshi to try

Supplementary Vocabulary

存钱 cúnqián to save money
取钱 qǔqián to get money
损失 sǔnshī to lose
吃亏 chīkuī to be at a disadvantage; to suffer a loss
账号 zhànghào account number
黑客 hēikè hacker

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