Month: August 2024

WSJ English 01

Harris and Trump Avoid1 Detailed2 Policies3 in Favor of Big Ideas
哈里斯和特朗普避免详细政策，倾向于大构想

Democratic4 presidential5 candidate6 Kamla Harris and GOP7 candidate Donald Trump talk about their visions8 for cutting9 taxes10 – and neither11 gets bogged12 down in the fine print13.
民主党总统候选人卡马拉·哈里斯和共和党候选人唐纳德·特朗普讨论了他们关于减税的愿景——而两人都没有被细节困扰。

  1. avoid /əˈvɔɪd/ verb
    to keep away from somebody/something; to try not to do something
    回避；避开；躲避 ↩︎
  2. detailed /ˈdiːteɪld/ adjective
    giving many details and a lot of information; paying great attention to details
    详细的；细致的；精细的 ↩︎
  3. policy /ˈpɒləsi/ noun
    (plural policies)
    [countable, uncountable] a plan of action agreed or chosen by a political party, a business, etc.
    政策；方针 ↩︎
  4. democratic /ˌdeməˈkrætɪk/ adjective
    Democratic
     (abbreviation Dem., D) connected with the Democratic Party in the US
    （美国）民主党的
    the Democratic Party /ðə ˌdeməˈkrætɪk pɑːti/ noun
    [singular]
    one of the two main political parties in the US, usually considered to be in favour of changing society in order to improve it
    民主党（美国两大主要政党之一，通常被认为主张社会变革） ↩︎
  5. presidential /ˌprezɪˈdenʃl/ adjective
    connected with the position or activities of a president
    总统的；国家主席的 ↩︎
  6. candidate /ˈkændɪdət/,  /ˈkændɪdeɪt/ noun
    a person who is trying to be elected or is applying for a job
    （竞选或求职的）候选人，申请人 ↩︎
  7. GOP /ˌdʒiː əʊ ˈpiː/ abbreviation
    Grand Old Party
     (the Republican political party in the US)
    老大党（美国共和党） ↩︎
  8. vision /ˈvɪʒn/ noun
    [countable] an idea or a picture in your imagination
    想象；幻象 ↩︎
  9.  cut /kʌt/ /ˈkʌtɪŋ/ verb
    [transitive] to reduce something by removing a part of it
    削减；缩减；裁减 ↩︎
  10. tax /tæks/ noun
    [countable, uncountable]
    ​money that you have to pay to the government so that it can pay for public services. People pay tax according to their income and businesses pay tax according to their profits. Tax is also often paid on goods and services.
    税；税款 ↩︎
  11. neither /ˈnaɪðə(r)/,  /ˈniːðə(r)/ determiner, pronoun
    not one nor the other of two things or people
    两者都不 ↩︎
  12. bog /bɒɡ/ verb
    /bɒɡd/
    bog down phrasal verb​
    to make something sink into mud or wet ground
    使某人/某物陷进烂泥（或泥沼） ↩︎
  13. the fine print noun /ðə ˌfaɪn ˈprɪnt/
    (North American English)(especially British English the small print)
    [uncountable]
    ​the important details of an agreement or a legal document that are usually printed in small type and are therefore easy to miss
    （合同或法律文件等中易被忽略但很重要的）小字号的附加条款 ↩︎

usage和utilization

01. usage /ˈjuːzɪdʒ/ noun
[uncountable] the fact of something being used; how much something is used
使用；利用；利用率

02. utilization /ˌjuːtəlaɪˈzeɪʃn/ noun
(British English also utilisation)
[uncountable] (formal)
the relationship between the amount that a factory, etc. produces and the amount that it is designed to produce
利用率1
the act of using something, especially for a practical purpose
利用；使用

Elevate2 Your English with ChatGPT

“usage”和“utilization”都可以表示“使用量”，但它们在具体含义和使用场合上有所不同。

1. Usage

  • 含义: “Usage” 更加关注“使用”的方式和频率。它指的是某物被使用的情况、模式或频率，而不仅仅是数量。
  • 场合: 常用于描述一般性的使用情况，特别是在谈论某种资源、语言、服务、或设备的使用方式和习惯时。
  • 例子:
    • “Internet usage has increased dramatically over the past decade.”（过去十年间，互联网的使用量大幅增加。）
    • “Language usage varies across different regions.”（语言的使用方式在不同地区有所不同。）

2. Utilization

  • 含义: “Utilization” 更加具体，指的是某物被实际使用的比例或程度，通常与其潜力或总容量相比。它更强调资源的有效使用率。
  • 场合: 常用于技术或商业领域，特别是当谈论设备、机器、劳动、时间等资源的效率时。
  • 例子:
    • “The utilization of the new machine is only at 70% of its full capacity.”（新机器的使用率只有其满负荷的70%。）
    • “Utilization of office space has increased since the renovation.”（自从装修后，办公室空间的使用率提高了。）

总结

  • Usage 侧重于使用方式和频率，较为宽泛。
  • Utilization 侧重于使用的效率和程度，通常带有与总容量或潜力对比的含义。

在某些情况下，两者可能可以互换使用，但通常 “utilization” 更具技术性或量化意义，而 “usage” 更加通用。

  1. 此条释义来自商务英语词典。 ↩︎
  2. elevate /ˈelɪveɪt/ verb
    (formal) to give somebody/something a higher position or rank, often more important than they deserve
    提拔，晋升，提升（到不应有的位置） ↩︎

OCBC金融服务英语08

We refer to your mail on 20 August 2024.
我们参阅了您于2024年8月20日的邮件。

We note S$4.31 was refunded on 21 August 2024 to your 360 Accoutn.
我们注意到S$4.31已于2024年8月21日退还至您的360账户。

We trust your queries was resolved.
我们相信您的疑问已经得到解决。

If you have further questions, please feel free to email us or contat our Personal Banking hotline at the number listed on OCBC website > Contact Us.
如果您有其他问题，请随时通过邮件与我们联系，或拨打OCBC网站 > 联系我们 页面上列出的个人银行热线号码联系我们。

Thank you for banking with us. we look forward to serving you agin.
感谢您选择我们的银行服务。我们期待再次为您服务。

Yours sincerely
此致

Nur Ilyana
Customer Service Executive
客户服务主管
Contact Centre
OCBC

OCBC金融服务英语07

交易通知

Dear Valued Customer
尊敬的客户
As you instructed, we have made the following UnionPay payment:
按照您的指示，我们已完成以下银联支付：

Payment date : 20/08/2024 20:06:11
支付日期：2024年8月20日 20:06:11
Amount : SGD4.31 (CNY23.00)
金额：新加坡元4.31 (人民币23.00)
From your account :
To : MC DONALD’S RESTAURANT
Reference number :
参考号码：
If you have any questions, please call us at 1800 363 3333 (or +65 6363 3333 from overseas).
如果您有任何问题，请致电 1800 363 3333（或从海外拨打 +65 6363 3333）联系我们。
Thank you for banking with us. We look forward to serving you again.
感谢您选择我们的银行服务。我们期待再次为您服务。

Yours sincerely
Digital Business
Global Consumer Financial Services
OCBC

Do allow us to warn you against phishing attempts involving e-mails that claim to be from OCBC. We will not send you any emails with links requesting your Access Code, PIN or One-time Password. Enter your login credentials only into the OCBC Digital app or after accessing the OCBC website (always type out the URL to do this).
请允许我们提醒您提防钓鱼邮件，这些邮件可能伪装成来自华侨银行的通信。我们不会发送任何包含链接的邮件，要求您提供访问码、密码或一次性密码。请仅在OCBC Digital应用程序或通过手动输入OCBC网站的URL后输入您的登录凭据。

申请退款

Hello, I had a transaction on August 20, 2024, using China UnionPay. The transaction amount was SGD 4.31 (CNY 23.00) at a McDonald’s self-service kiosk. The payment was successfully deducted, but the transaction failed. Can this amount be refunded?

OCBC金融服务英语06

Money Lock：Protect your funds and Time Deposit accounts from scams.
资金锁定：保护您的资金和定期存款账户免受诈骗。

Protect your funds: Lock funds that are in excess of what you need for regular or budgeted expenses. Your locked funds still count towards the account balance for the purposes of earning interest.
保护您的资金： 锁定超出您日常或预算支出所需的资金。锁定的资金仍然计入账户余额，用于计算利息。

Secure your Time Deposits: Lock your Time Deposit account to protect your placements (i.e. existing ones and those made in the future) from scams.
保障您的定期存款： 锁定您的定期存款账户，以保护您现有和未来的存款免受诈骗。

OCBC金融服务英语04

An account for your basic trading needs.
适合您基本交易需求的账户。

Easy Invest
易于投资
Invest and bank on a single platform.
在单一平台上进行投资和银行业务。

Global markets
全球市场
Trade stocks, bonds, ETFs, and warrants on 15 exchanges.
在15个交易所交易股票、债券、ETF和认股权证。

Local resources
本地资源
Access exclusive research and market views by our investment experts.
获取我们投资专家的独家研究和市场观点。

Fast Approval
快速审批
Start trading in one day.
一天内即可开始交易。

Important notices:
重要通知
We are unable to support Australian and US, Tax Residents in their trading in their respective markets. The Online Equities Account is trading account which is linked to a sub-account with OCBC Securities. Your SGX-listed shares will be held in this sub-account.
我们无法支持澳大利亚和美国的税务居民在其各自市场进行交易。在线股票账户是一个与OCBC证券子账户链接的交易账户。您在新交所上市的股票将保存在此子账户中。

OCBC金融服務英語03

Savings goal
储蓄目标

Set. Save. Go!
设定。储蓄。前进！

Trying to save for that perfect vacation1, latest gadget2 or shiny3 new car?
正在为那个完美的假期、最新的电子产品或闪亮的新车而储蓄吗？

Remember to put some funds aside4 for retirement5 and other large expenses too – at least 10% your income, as a good rule of thumb6.
记得还要留出一些资金用于退休和其他大额支出——作为一个好的经验法则，至少要占收入的10%。

Set up one or more Savings Goals to stay on7 track and make all your dreams a reality8.
设定一个或多个储蓄目标，以保持进度，实现您的所有梦想。

Do not worry, you can stop any time.
不用担心，您可以随时停止。

  1. vacation /vəˈkeɪʃn/ noun
    (North American English)(British English holiday)
    [uncountable, countable] a period of time spent travelling or relaxing away from home
    度假 ↩︎
  2. gadget /ˈɡædʒɪt/ noun
    a small tool or device that does something useful
    小器具；小装置 ↩︎
  3. shiny /ˈʃaɪni/ adjective
    smooth and bright; reflecting the light
    光亮的；锃亮的；反光的；有光泽的 ↩︎
  4. aside /əˈsaɪd/ adverb
    to be used later
    留；存 ↩︎
  5. retirement /rɪˈtaɪəmənt/ noun
    [uncountable, singular] the period of your life after you have stopped work, usually because you have reached a particular age
    退休生活 ↩︎
  6. thumb /θʌm/ noun
    Idioms
    a rule of thumb
    ​a practical method of doing or measuring something, usually based on past experience rather than on exact measurement
    实用的估算方法，经验工作法（通常依据经验而非准确测量） ↩︎
  7. stay on phrasal verb
    ​to continue studying, working, etc. somewhere for longer than expected or after other people have left
    留下来继续（学习、工作等） ↩︎
  8. reality /riˈæləti/ noun
    [countable] a thing that is actually experienced or seen, in contrast to what people might imagine
    事实；实际经验；见到的事物
    make sth
    使……成为现实 ↩︎

OCBC金融服務英語02

Frequently asked questions
常见问题解答

What is Unit Trust?
A unit trust is a fund comprised of money contributed by multiple investors, which can include members of the general public. The more money an investor puts into the fund, the more units of the fund the investor weill recive. The fund is then invested into a variety of assets to achieve a stated investment objective by a team of professionals. Unit trusts are also known as mutual funds or collective investment schemes.
单位信托是一种由多个投资者（包括公众成员）共同出资组成的基金。投资者投入的资金越多，所获得的基金单位就越多。该基金由专业团队管理，投资于各种资产，以实现预定的投资目标。单位信托也被称为共同基金或集体投资计划。

What are some of the different types of Unit Trusts?
Equity Funds: These are funds that invest solely in stocks.
Fixed Income Funds: These are funds that invest soley in bonds.
Balanced Funds: These are funds that invest in a combination of stocks and bonds.
股票基金（Equity Funds）：这些基金仅投资于股票。
固定收益基金（Fixed Income Funds）：这些基金仅投资于债券。
平衡基金（Balanced Funds）：这些基金投资于股票和债券的组合。

What are the fees and charges when I invest in Unit Trusts through OCBC Digital?
The upfront sales charge that you will be paying will be shown on OCBC Digital when you purchase a fund. A one-time sales charges is applicable for lump sum investments.
A sale charge is applicable for recurring monthly investments into the fund.
当您通过OCBC Digital投资单位信托时，会有哪些费用和收费？
当您购买基金时，您需要支付的前期销售费用会在OCBC Digital上显示。一次性销售费用适用于一次性投资。
对于每月定期投资到基金中的情况，销售费用同样适用。

Am I eligible to buy Unit Trusts?
To be eligible to purchase Unit Trusts, please ensure that you are:
At least 21 years old.
Not a US citizen.
Not a UK resident, EU resident of person residing within the EEA.
我有资格购买单位信托吗？
要符合购买单位信托的条件，请确保您：
年满21岁。
不是美国公民。
不是英国居民、欧盟居民或居住在欧洲经济区（EEA）内的人员。

Can I buy a Unit Trust using my CPF or SRS money?
Yes you can, however only selected funds can be bought using CPR or SRS monies. Please ensure that your CPF or SRS account is opened or maintained with OCBC.
我可以使用我的公积金（CPF）或补充退休储蓄（SRS）资金购买单位信托吗？
可以，但只能使用公积金或补充退休储蓄购买特定的基金。请确保您的公积金或补充退休储蓄账户已在华侨银行（OCBC）开设或维护。

How long does it takes to purchase a Unit Trust?
When you buy a unit trust fund, trades are aggregated and sent to the fund house for settlement. You will only see the units allocated to you once the trades are settled. This will generally take 3-8 business days.
购买单位信托需要多长时间？
当您购买单位信托基金时，交易会被汇总并发送给基金公司进行结算。只有在交易结算后，您才会看到分配给您的基金单位。这通常需要3到8个工作日。

Will I be notified when my purchase has been successfully executed?
We will inform you through SMS and/or email once your trade is settled.
购买成功后，我会收到通知吗？
一旦您的交易结算完成，我们将通过短信和/或电子邮件通知您。

Can I sell my Unit Trust online?
Yes you can, howerver not all funds can be sold online. For funds that cannot be sold online, you may proceed to any of our branches to submit your redemption instructions.
我可以在线出售我的单位信托吗？
可以，然而并不是所有基金都可以在线出售。对于无法在线出售的基金，您可以前往任何一家分行提交赎回指示。

Does OCBC charge any fees for (a) selling a Unit Trust online or (b) submitting redemption instrucctions of a Unit Trust at OCBC Branches?
No. Note however that there many be fees charged by the fund houses for sale of a Unit Trust.
OCBC会收取任何费用吗？（a）在线出售单位信托或（b）在OCBC分行提交单位信托的赎回指示？
不会。然而，请注意，基金公司可能会收取单位信托出售的费用。

OCBC金融服务英语01

Hedge1 your investement portfolio2 with Gold and Silver.
用黄金和白银对冲你的投资组合。

Earn cash rewards3 and lucky draw4 chances5 when you refer overseas friends to OCBC.
当你推荐海外朋友使用OCBC时，赚取现金奖励和幸运抽奖机会。

Find your next opportunity6 to diversify7 your investments.
寻找下一个机会来多样化你的投资。

Diversify with Unit Trust: Access more top fund ideas and invest in a portfolio of asset, expertly8 managed by a fund manager.
通过单位信托实现投资多样化：获取更多顶级基金投资理念，并投资于由基金经理专业管理的资产组合。

Access our investment picks9: Choose from funds and collections10 that have been carefully curated11 by our Wealth Panel12.
访问我们的投资精选：从由我们的财富专家小组精心挑选的基金和投资组合中进行选择。

Invest using foreign currencies13: Gain14 access to even15 more funds in 6 different curriencies.
使用外币投资：获得6种不同货币的更多基金投资机会。

Project16 your dividends17: Calculate passive18 income19 from dividends you may earn20.
预测你的股息：计算你可能获得的被动收入。

Make informed21 investment choices: Mitigate22 Environmental23, Social and Governance24 risks with ESG ratings.
做出明智的投资选择：通过ESG评级来降低环境、社会和治理风险。

Investments personalised to you: View our curated collections and top funds based on what you shared with us.
个性化投资推荐：根据你提供的信息，查看我们精心挑选的投资组合和顶级基金。

Security Advisory: Someone claiming25 to be from OCBC or the police may demand26 that you transfer funds to them as part of an investigation27. Do not do so.
安全提醒：如果有人声称来自OCBC或警方，并要求你将资金转账给他们作为调查的一部分，请不要这样做。

  1. hedge /hedʒ/ verb
    ​[transitive, intransitive] hedge (something) (against something) (finance) to protect yourself against losing money from an investment or bet
    对冲；套头交易；套期保值 ↩︎
  2. portfolio /pɔːtˈfəʊliəʊ/ noun
    (finance) a set of shares owned by a particular person or organization
    （个人或机构的）投资组合，有价证券组合 ↩︎
  3. reward /rɪˈwɔːd/ noun
    [countable, uncountable] a thing that you are given because you have done something good, worked hard, etc.
    奖励；回报；报酬 ↩︎
  4. draw /drɔː/ verb
    ​[intransitive, transitive] to decide something by picking cards, tickets or numbers by chance
    抽（签、牌）；抓（阄） ↩︎
  5. chance /tʃɑːns/ noun
    [countable] a suitable time or situation when you have the opportunity to do something
    机会；机遇；时机 ↩︎
  6. opportunity /ˌɒpəˈtjuːnəti/ noun
    a time when a particular situation makes it possible to do or achieve something
    机会；时机 ↩︎
  7. diversify /daɪˈvɜːsɪfaɪ/ verb
    [intransitive, transitive] to change or to make something change so that there is greater variety
    （使）多样化，变化，不同 ↩︎
  8. expertly /ˈekspɜːtli/ adverb
    in a way that shows or involves great knowledge or skill ↩︎
  9. pick /pɪk/ noun
    [singular] (rather informal) an act of choosing something
    挑选；选择 ↩︎
  10. collection /kəˈlekʃn/ noun
    [countable] a group of objects, often of the same sort, that have been collected
    （常指同类的）收集物，收藏品 ↩︎
  11. curate /kjʊəˈreɪtɪd/ verb
    curate something to collect, select and present information or items such as pictures, video, music, etc. for people to use or enjoy, using your professional or expert knowledge
    精选并分享（信息、图片、视频、音乐等） ↩︎
  12. panel /ˈpænl/ noun
    [countable + singular or plural verb] a group of specialists who give their advice or opinion about something; a group of people who discuss topics of interest on television or radio
    专家咨询组；（广播、电视上的）讨论小组 ↩︎
  13. currency /ˈkʌrənsi/ noun
    [countable, uncountable] the system of money that a country uses
    通货；货币 ↩︎
  14. gain /ɡeɪn/ verb
    [transitive] to obtain or win something, especially something that you need or want
    获得；赢得；博得；取得 ↩︎
  15. even /ˈiːvn/ adverb
    used when you are comparing things, to make the comparison stronger
    （用以加强比较）甚至更，愈加，还 ↩︎
  16. project /prəˈdʒekt/ verb
    [transitive, usually passive] to estimate what the size, cost or amount of something will be in the future based on what is happening now
    预测；预计；推想 ↩︎
  17. dividend /ˈdɪvɪdend/ noun
    an amount of the profits that a company pays to people who own shares in the company
    股息；股利 ↩︎
  18. passive /ˈpæsɪv/
     adjective
    accepting what happens or what people do without trying to change anything or oppose them
    消极的；被动的 ↩︎
  19. income /ˈɪnkʌm/,  /ˈɪnkəm/ noun
    the money that a person, a region, a country, etc. earns from work, from investing money, from business, etc.
    收入；收益；所得 ↩︎
  20. earn /ɜːn/ verb
    [transitive] to get money as profit or interest on money you lend, have in a bank, etc.
    生（利）；获（利） ↩︎
  21. informed /ɪnˈfɔːmd/ adjective
    (of a decision or judgement) based on an understanding of the facts of a situation
    了解清楚情况后作出的 ↩︎
  22. mitigate /ˈmɪtɪɡeɪt/ verb
    mitigate something to make something less harmful, serious, etc.
    减轻；缓和 ↩︎
  23. environmental /ɪnˌvaɪrənˈmentl/  adjective
    connected with the natural conditions in which people, animals and plants live; connected with the environment
    自然环境的；生态环境的；有关环境的 ↩︎
  24. governance /ˈɡʌvənəns/ noun
    the activity of governing a country or controlling a company or an organization; the way in which a country is governed or a company or institution is controlled
    统治；管理；统治方式；管理方式 ↩︎
  25. claim /kleɪm/ /ˈkleɪmɪŋ/ verb
    [transitive] to say that something is true although it has not been proved and other people may not believe it
    宣称；声称；断言 ↩︎
  26. demand /dɪˈmɑːnd/ noun
    [countable] a very strong request for something; something that somebody needs
    （坚决的）要求；所需之物 ↩︎
  27. investigation /ɪnˌvestɪˈɡeɪʃn/ noun
    an official examination of the facts about a situation, crime, etc.
    （正式的）调查，侦察 ↩︎