If you have a mortgage, he says, keep cash on hand equal to about 20% of your outstanding mortgage principal balance plus whatever you need in the cash Kitty.
他说，如果你有抵押贷款，那么应该保留未清偿抵押贷款本金余额20%左右的现金加上为满足其他需要而保有的现金。
The Required Reserve is depositors'bank's minimum balance of deposits in central bank to ensure that the bank do no run out of cash on hand to meet the demand for withdrawals and settlement.
存款准备金是指金融机构为保证客户提取存款和资金清算需要而准备的在中央银行的存款，中央银行要求的存款准备金占其存款总额的比例就是存款准备金率。
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