In fact, those factors include economy increasing rate, interest rate, save rate, inflation rate, policy, psychology etc.

从实际情况看，这些因素主要包括经济增长率、利率、储蓄率、通货膨胀率、政策、心理、等。

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By lowering its target rate to almost zero in 2008, the Fed helped save many Banks from collapse.

2008年通过把目标利率调低到几乎为零，美联储把许多银行从崩溃中拯救出来。

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You can save money on your loans by consolidating them and locking in a lower interest rate.

你可以通过合并还款的方式把利律降低，以节省金钱。

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Transferring your balance to a card with a 0% introductory rate can save a consumer a significant amount of money.

FORBES: Tips On Transferring Your Credit Card Balance To Another Issuer

Can you refinance at a lower rate and save real dollars?

FORBES: Year End Tax Planning: Cash Flow is King

There are only three factors that determine if you will ever be able to retire: How much you save, how long you save, and what rate of return you get on your savings.

FORBES: Cold Hard Reality: You Must Save For Retirement