F:It's not cost-efficient to save money in a bank for a long time.

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，我们每年还要交服务费。

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。

责任编辑：

本文总结英语口语中如何表达重要性(Expressing essentiality).这个技巧不是特别常用，但是在某些场合还是需要告诉对方某件事情的重要性。以下是表达重要性时会用到的表达方式：

表达某物重要：

That's essential

....is essential to..

I use it all the time/everyday.

I couldn't live without...

It's good /important because...

I don't go anywhere without it.

I take it everywhere.

I need it in case....

It's very useful.

表达某物不重要：

I can go without ...

I can do without ...

I suppose it's not essential...

Examples: 

The mobile phone is essential to me. I can't live without it. 

什么对你而言特别重要，现在就用上面的句型来练习一下吧！