OnlineMoneyManagementSitesCatertoYoungSavers年轻人新宠.doc

Online Money Management Sites Cater to Young Savers 网上现金管理成为年轻人新宠 Young people now are often better known for impulsivespending than for saving money. But new youth-orientedbanking websites are offering clients the information and toolsthey need to help them to become better moneymanagers, and to share their financial experiences with otheryoung people. 现在的年轻人最容易犯的毛病就是冲动消费,结果可想而知,几乎都存不下来钱.但是,新开发出的主要面对广大年轻人的网上银行让年轻人们少了很多烦恼,更精于理财.这些网站可以向客户提供客户所需信息及理财工具,同时还是年轻人分享理财经验的一个平台. Alix Scott is a 19-year-old high school graduate, shes been working at a store this summer, savingmoney to pay for college next year. I have to save for all my college money because my parents, they can’t afford to co-sign onloans. So, I have to rely on my own savings.” Online piggy bank But rather than put her money in a local bank, Scott opened an account on SmartyPig, a web-based banking service. When I do that, I overcome the impulses to just spend the money.” SmartyPig is really all about helping people save for very specific financial goals. That could be awedding, a vacation, an i-Phone.” Michael Ferrari founded SmartyPig with a friend in 2007. After starting a college account for his newbaby, Ferrari said he realized the power of saving for a specific goal. Helping other savers stayfocused on their goals is the idea behind his online piggy bank. Engineering major Khang Nguyen, 22, checks his SmartyPig saving account every day and likes sharinghis saving goals with his family and friends online. For example, I’m saving for a vacation. I wanna save $5,000. I wanna meet this goal in threeyears. SmartyPig will actually calculate how much money you need to allocate every month. Youdon’t have to move it from your existing bank. We’ll actually go in and withdraw those funds onthe day you specify every month and we put them into your SmartyPig account, where they’llactually accrue interest, as well.” And, Ferrari says, the site also allows depositors to get outside help. Pe