F:把钱存在银行太长时间是很不划算的。
M:Yeah，and we have to pay service charges every year.
M:是啊，我们每年还要交手续费。
F:So could you have suggestion for managing money?
F:那你有什么理财的建议吗?
M:We can invest in some financial programs.
M:我们可以投资一些理财项目啊。
F:Financial programs? I have never thought about it.
F:理财项目?我可是从来没有想过。
M:There are many financial programs.In my opinion，foreign investment are the best in the market.
M:有好多理财项目。依我看，外汇是最好的投资方向。
F:But the exchange rate varies from time to time. Don't you think it's a little risky?
F:但是外汇汇率是随时在变化啊。你不觉得有点冒险吗?
M:You can choose some low risk programs.
M:你可以选择一些低风险的投资项目。
F:It seems that you are an expert in this aspect.
F:听起来你像这方面的专家。
M:As a matter of fact，I just started to learn it but if you're interested in it，I can offer you some information.
M:其实我也是才开始学习理财，不过如果你有兴趣的话，我可以提供一些信息给你。
F:It's nice of you.
F:你真好。
M:It's my pleasure.
M:乐意效劳。
重点词汇
cost-efficient有成本效益的
It also helps the architect manage resources in a very cost-efficient manner. 它还有助于架构师采用一种非常具有成本效益的方式来管理各种资源。
exchange rate外汇汇率
We should discuss currency issues with China, but the exchange rate should not be at the top of the bilateral agenda.我们是会与中国政府讨论货币问题，但汇率问题并非如今两国议事日程的首要问题。
risky冒险的
Investing in airlines is a very risky business.投资航空公司是非常冒险的生意。
