如果您时间不足但资金充裕，您可以向为穷人提供帮助的非盈利组织捐赠。

If you have more money than time, it makes sense to make a donation to non-profit organizations that help poor people.

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事实上，当雇员资金充裕并依然享受税款优惠时，他们是缴纳养老金的。

Employees could, in effect, make pensions contributions when they felt flush and still get tax relief.

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因此，他们通过现在申请贷款然后返存银行这种方式来确保未来资金充裕。

Hence, they secure credit by receiving disbursement now and deposit the money back for future expenditure.

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And then next week, if they come back, maybe they'll have more money,

然后，到下一周，如果他们再来买的话，
可能他们资金比较充裕，

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