时间:2017年12月16日 11:19:58

Given that it's now mid-June, and pretty much everyone that will be graduating from college this year has done so, I though I'd spend a bit of time putting together a short list of financial tips for the recent graduate. Here goes:1. Spend less than you earn. This is perhaps the most worn out, overused phrase in the world of personal finance. But guess what? It's also the single most important financial lesson you'll ever learn. No matter how hard you work and how much money you earn, you'll never achieve financial security if you spend more than you earn, so… Do whatever it takes to make sure that this doesn’t happen. This takes self-discipline, and might require constructing (and sticking to) a budget, but if you ever want to get to a point where you can afford all the little niceties in life, you need to make it happen.Remember: If your outgo exceeds your income, your upkeep will be your downfall.2. Plan for the future. I’ve been where you are, and I know that “the future” seems like it’s a million miles away. Do yourself a favor. Sit down and define short, intermediate, and long-term goals and then put together a plan for getting there. It’s not easy, and you probably won’t get it right at first (see also #4) but once you do this, you’ll have something concrete to work from (and to modify in the future). Start small and work your way up.Open an online savings account and start making auto-transfers into to build up an emergency fund. Sign up for your company’s 401(k) and make regular contributions. Come up with a plan for ditching your debt. Open an IRA (either Traditional or Roth) and start funding it. And books about money and investing so you’ll be y to take the next step when the time comes.Whatever you do, don’t wait.3. Be patient. Building a solid financial foundation takes time. Don’t look for shortcuts or try to strike it rich overnight with the latest hot investment tip. Likewise, don’t make major financial decisions without fully considering the ramifications. This isn’t to say that you should be paralyzed fear. Rather, you need to do your homework. Turns those unknwowns into knowns, and then make an informed decision.4. Learn from your mistakes. Nobody’s perfect. You’re bound to make mistakes, especially when you’re just starting out. The important thing is to learn from them and move forward. If you make a bad financial decision, make a note of it and get yourself back on track. Don’t beat yourself up, and don’t throw in the towel. 现在已经是六月中旬了,几乎所有今年的毕业生就要从大学毕业了。我想,我该花些时间为这些即将毕业的学生整合一份简短的理财建议清单。如下所示:1、出要少于收入。这个说法在个人理财中已经是陈词滥调了。但细想一下,它又是你要学习的最重要的专一理财课程。不管你工作有多努力,不管你会挣多少钱,如果你花去的钱比你挣的钱还要多的话,你就永远没有经济保障了,所以。。。。。。一定要尽一切办法来避免这样的情况发生。这就要求自律了,或许还需要做个预算。但是如果你想在你的生活里面找到一个有细微区别的地方的话,那你就让它发生吧。切记:如果你的花销超出了你的收入,你赖以生存的东西将变成你堕落的根源。2、规划未来。我也是从你们的阶段走过来的,我知道,在你们眼中,“未来”是很遥远的事情。为自己做件乐事吧。坐下来写写自己短期,中期和长期的目标,然后放一块儿,作为一个奋斗目标。这不是一件容易做到的事,你可能不会一次就能把未来规划做对,但是,一旦你做了规划,你就会去做一些实实在在的事(和在将来有所改正),从小事做起,会使你以后的路变得积极向上。开一个网上储存账户,自动转帐来建立一个应急基金。在你工作的公司报名401(k)计划,然后定期付款。制定一个还请债务的计划。开个人退休账户(传统,非传统的都可以),然后开始投资。阅读一些关于金钱与投资的书,这样,待时机成熟,你就可以随时迈出第一步了。不管你做哪一个,都别等。3、要有耐心。打造一个坚实的经济基础是需要时间的。不要指望走捷径,也不要寄望于通过得到最新的热点投资信息一夜暴富。同要地,没有充分全面考虑之前不要做什么重要的经济决定。这并不是说要你畏首畏尾,相反,是需要你做足准备,把不懂的弄懂,然后再做一个有依据的决定。4、在错误中吸取经验教训。人无完人,你一定会犯错的,特别是刚刚开始的时候。最重要的是要从中学习经验教训,接着继续前进。如果你做了一个很糟糕的经济决定,记下来,再重新步入正确的轨道。千万别自己打击自己。也千万不要轻言放弃,承认失败。 /200807/43226

A friend asks me “Why Chinese don't go Dutch?” So I want to regard this question as the topic and write an article. As everyone knows, Occidental will go Dutch while having a meal in the restaurant. But Chinese don't go Dutch. Chinese will pay the bill and check out generously. Occidental don't often entertain guests; but Chinese often invite friend to dinner. A lot of Occidentals feel puzzled to this question。   一个朋友问我:“为什么中国人不是各付各的钱?”所以我要写一篇文章把这个问题作为关注的焦点。  正像每个人都知道的那样,西方人在饭店吃饭往往都是AA制,而中国人却慷慨地把别人的也一起给付了。西方人不常款待客人,而中国人却经常邀请朋友吃饭。许多西方人对此感到困惑不解。 /200912/90823

With the white beard and hair Santa may look old, but he doesn't seem to be getting any older. What are his secrets to longevity? How does the Jolly Old Elf keep up year to year? I managed to get Santa on the phone in a rare interview:1. The "Ho-Ho-Ho" Secret"My trademarked 'Ho-Ho-Ho' is more than just my natural expression of joy," began Santa. "It's my form of stress relief. Things can get quit hectic this time of year and the elves can be especially difficult about all the overtime. I find that laughter and smiling are the best ways to dissipate stress and lighten my mood. If I could bring one gift to all the grown ups this Christmas, it would be more smiles and laughter."2. Mrs. Claus"My next secret is Mrs. Claus," continued Santa. "She is the most wonderful wife and I couldn't do anything without her. She doesn't like the spotlight, but have to give her credit for making sure I take care of myself and keeping from obsessing too much over my work. Just being with her takes years off my life."3. Chimney Squats"You may not know it from my waistline, but I am quite fit. I have to train all year round to be strong enough to leap up through millions of chimneys on Christmas Eve," continued Santa. "I have a whole team of elves working with me everyday to exercise. They are always after me to leave the cookies behind, but I just love cookies so . . ." he said with a distant look in his eyes.4. Managing Elves"I can't begin to tell you how much I love working with elves. I think they are one of the reasons I stay so young," Santa explained. "When you have a thousand or so elves preparing millions and millions of gifts for the Big Day, you have to have some pretty good management skills. This keeps my mind working and engaged all year long." Santa recommends that anyone who want to stay sharp find ways to be creative and engage in daily problem solving and mental challenges.5. Giving and Thinking Positive"My final longevity secret: Think positive. I look forward to every year and the joys and challenges it brings. I just love my giving gifts and sping joy during the Christmas season. It gives my life meaning and value. That, in my opinion, is the number one secret to longevity." With that, Santa gave a mighty "Ho-Ho-Ho" and excused himself to check on an assembly line. /200812/59854

导读:拥有一张西方人的面孔似乎正成为中国女性追求的时尚潮流。据美国媒体报道,越来越多的中国年轻女性不惜忍受“挨刀”之苦,选择做双眼皮、隆鼻或者隆胸手术,希望可以找到心仪的白马王子(MR. Right)或是梦寐以求的工作机会。 He Zen's path to cosmetic surgery was fast and simple.贺谮(音译)的整容之路可谓简单快捷。 Her mother saw an ad in a Shanghai newspaper and figured that more Caucasian-looking eyes would make it easier for her unmarried 28-year-old daughter to find a husband. She made an appointment for her daughter the next Saturday morning.她的母亲看到上海一份报纸上的广告后,就盘算着如果28岁的未婚女儿能够拥有一双外国白人那样的眼睛,将会更容易找到如意郎君。她很快便替女儿预约了整容手术,时间定在一个星期后的周六上午。When He Zen went to the clinic and saw some examples of the doctor's work, she agreed to have the 0 operation that afternoon.贺谮来到诊所后,先是看了一些成功整容案例,随后便在当天下午花费290美元做了手术。 Shortly after the two-week recovery period, she got what she'd been after: not an offer of marriage, but the offer of a coveted internship with the Shanghai office of the British banking giant HS, which later led to a full-time job.经过两周的康复期之后,她得到了她梦寐以求的东西:并非一纸婚约,而是英国巨头汇丰上海办事处一个令人垂涎的实习机会,后来她成为该公司的全职员工。 /201008/110611

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