I am working in a bank right now.  I am a teller and I know how the forex rate works.  The forex depends on the buying and the selling from dollar to any currencies in the world.  The bank has lots of businesses.  The purpose of your money is for your savings and we use the savings for piggery, loans and any other form of business that can gain profit.  That is the reason that every month you have gain interest as long as you have the maintaining balance of your bank account.  So keep on saving, keep on gaining.

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