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2019年08月23日 22:36:27来源:69常识

When it comes to saving, no age-group has experienced a bigger change of heart than young adults.谈到存款,没有哪个年龄段的人比现在年轻的成年人在思想上经历了更大起伏。Measures of saving rates among young adults under 35 show they#39;re suddenly saving a whole lot more. According to Moody#39;s Analytics, one measure, the four-quarter moving average of the saving rate of young adults -- which smoothes out volatility -- started dropping in the late 1990s and hit roughly -15% in 2006 -- before climbing higher during the 2008 global financial crisis and its economic aftermath to over 5%. It#39;s now around 2% or 3%, as of the third quarter of 2012.衡量35岁以下成年人储蓄率的指标显示,他们突然开始疯狂存钱。据经济研究机构Moody#39;s Analytics统计,年轻人储蓄率的四季度移动均值从上世纪90年代末开始下滑,2006年达到负的15%左右,随后在2008年全球金融经济危机期间有所攀升,一度突破5%。截至2012年第三季度,年轻人储蓄率四季度移动均值约为2%或3%。该指标在一定程度上消除了波动性影响。No other age group has seen so violent a turn from borrowing to saving. ( See related article.) Sure, people between 35 and 44 also increased saving during the recession, but their about-face wasn#39;t as dramatic. Young people now save roughly as much as people 35 to 44 -- and nearly as much as those between 45 and 54.其他年龄段就没有出现如此强烈的从借钱到储蓄的态度变化。当然,35岁至44岁的人在经济不景气的时候也增加了储蓄,但他们的态度转变没有这么剧烈。年轻人目前在存钱方面与35岁至44岁年龄段差不多一样,甚至接近45岁至54岁年龄段的人。The trend suggests the recession may have made some young people more #39;risk averse,#39; economists#39; jargon for less willing to take risks by, say, borrowing. It#39;s likely that many young people are having a harder time getting credit, especially those with super- high student-loan burdens. But young adults are also seeing their incomes fall, and generally make less money than older people. So they may now -- post financial crisis and recession -- find themselves less able to service debt. That, in turn, may reduce their demand for credit.这个趋势表明,经济衰退可能令一些年轻人的“避险情绪”增加。这是经济学家使用的术语,指不太愿意通过借款等方式承担风险。一种可能的解释是,很多年轻人目前获得贷款的难度有所增加,特别是那些背负着超高学生贷款的年轻人。而同时,年轻成年人的收入也有所下降,整体来看他们赚的钱不如年龄较大的人多。如今,在金融危机和经济衰退过后,他们可能会发现自己的偿债能力减弱了,而这反过来又会影响他们的贷款需求。#39;Younger households were significantly dis-saving -- aggressively borrowing -- prior to the recession, but they are now saving at a healthy rate,#39; said Mark Zandi, economist at Moody#39;s Analytics.Moody#39;s Analytics的经济学家赞迪(Mark Zandi)说,年轻家庭在经济衰退之前曾非常反对储蓄,他们会大量借钱,但如今他们的储蓄率处在一个健康的水平上。#39;I think this clearly shows a significant increase in the risk aversion of younger households given the economic nightmare of the downturn and weak recovery,#39; he adds. #39;It is unclear how long this heightened risk aversion will last, but I suspect the last few years will have an indelible impact on how younger households think about their finances.#39;赞迪还说:我认为这明确显示,面对经济低迷和复苏乏力的噩梦,年轻家庭的避险情绪明显增加。他说:不清楚这种加剧的避险情绪会持续多长时间,但我怀疑过去几年对于年轻家庭的财务观会产生不可磨灭的影响。 /201303/230130。

  • Christmas is marked on the 25 December (7 January for Orthodox Christians).12月25日是圣诞节(东正教的圣诞节是1月7日)。圣诞节的故事:耶稣的诞生The Holy Family, Mary and Joseph with the baby Jesus.圣母玛利亚、约瑟夫、婴儿耶稣Christmas is a Christian holy day that marks the birth of Jesus, the son of God.圣诞节是基督教的一个神圣节日。因为他标志着耶稣,上帝之子的诞生。Jesus#39; birth, known as the nativity, is described in the New Testament of the Bible.圣经新约记载了耶稣的出生,即耶稣诞生。The Gospels of Matthew and Luke give different accounts. It is from them that the nativity story is pieced together.马太福音和路加福音对耶稣诞生分别作了记载,基于这两者的记载,我们才有了流传到现在的耶稣诞生故事。 /201312/269907。
  • Seeing Yang Leiguang, you might never imagine that the skinny boy traveled independently to Tibet for one month. More surprisingly, the 21-year-old from Henan University of Science and Technology brought only 500 yuan with him and earned other funds for travel on the way. He thinks that, with this trip, he accomplished his dream because he experienced some of the most memorable moments of his life.看着杨磊光,你可能怎么也不会想到正是这个清瘦的男生独自在西藏旅行了一个月时间。而更令人意想不到的是,这名21岁的河南科技大学学生身上只揣了500元,剩下的路费都是边走边赚的。他认为通过这次旅行,自己经历了人生中一些最难忘的时刻,从而实现了自己的梦想。Most desirable destination向往已久Yang acquired his love for Tibet after watching a documentary about the holy place. “I remembered watching people kowtow in front of the Potala Palace. Their devoted faces and sincere emotions just touched me so much that I wanted to go there myself,” he says. So he started to prepare for his long-awaited trip after he entered university and had more free time.在观看了一部讲述西藏的纪录片之后,他就爱上了这处圣地。他说:“我记得纪录片里人们在布达拉宫前叩首的场景。他们脸上的虔诚触动了我,因此我想自己去那里看看。”上大学后,有了更多的空闲时间,于是他便开始着手准备这次期待已久的旅程。Most thrilling experience兴奋不已Though Yang had been preparing for the Tibet trip for three years – doing exercise, learning hiking and wilderness survival skills, practicing photography and ing travel guides – he still met some unexpected challenges on the way.杨磊光为这次西藏之行筹备了三年时间。期间,他坚持锻炼、学习徒步旅行以及野外生存的技能、练习摄影并阅读旅行指南。但在途中,他还是遇到了一些突发状况。“Since it was my first time in Tibet, I underestimated the cost. I had to use every means to live cheaply and make more money,” he says. In one month’s time, he did several different jobs. He got paid to mark down the names of the people who reserved tickets to enter the Potala Palace; he handed out leaflets; and what he felt most thrilled about was selling souvenirs.他说:“因为这是我第一次进藏,因此低估了此行的费用。我必须开源节流”在一个月的时间里,他打了几份工:记录预定布达拉宫门票的游客的名字、发传单、还有最令他兴奋不已的贩卖纪念品生意。“I learned from one of my fellow backpackers that he was making money from selling souvenirs, so I bought accessories from the open market and sold them in the city center just as he did,” Yang explains. But that work was not risk-free. Like all the other vendors, Yang ran away whenever someone came to tell him to stop selling souvenirs.他解释道:“我从一位驴友那里得知他靠贩卖纪念品挣钱,因此我就效仿他,从自由市场上采购了一些配饰,到市中心去卖。”但是这份工作并非零风险。和其他的小贩一样,一旦被人阻止,他就要仓皇而逃。Most difficult moment艰难时刻For most of the trip, Yang handled situations properly, but there was one moment when he felt embarrassed and devastated.尽管旅行中的大多数状况他都可以应对自如,但是有一次尴尬经历几乎令他崩溃。“That was at Nam Co,” he says. “A girl and I wanted to go back to Lhasa, but we couldn’t get a free ride until 3 or 4 o’clock in the afternoon when a pickup truck came and agreed to take us”. But there was only one seat available. Yang is a gentleman, so he gave his seat to the girl, but he left all of his stuff on board.他说:“在纳木错时,我和一个女孩想要回拉萨,但没人愿意免费送我们一程。直到下午三四点时,一辆皮卡路过,答应捎上我们。”但车上只有一个空座。杨磊光发扬绅士风度,将座位让给了那个女孩,但同时他也将全部行李都落在了车上。When he realized his mistake, it was aly too late. He couldn’t catch up with the vehicle, and he didn’t have a cell phone to call the police or the girl. He had to walk alone along the road. “I walked for hours on the road, and I even worried about the worst result – that I may die of thirst or freeze to death,” he says. He was lucky enough to eventually catch a bus to Lhasa, where he met the girl again and got his stuff.当他意识到自己的错误时,为时已晚。他追不上那辆车,没有手机,既不能报警也无法联系上那个女孩。他不得不沿着路走下去。他说:“我在路上走了好几个小时,甚至还担心过最坏的结果——被渴死或冻死。”幸运的是,他最终搭上了一辆开往拉萨的大巴,在拉萨他再次见到了那个女孩,拿回了行李。The trip didn’t only bring Yang good memories and friends but also beautiful photos. He used these photos to make postcards and sell them on his campus. “I earned some money from this business, which will fund my next trip,” Yang says.这次旅行给他带来的不仅仅只有美好回忆以及路上结交的好友,还有一张张漂亮的风景照。他将这些照片做成明信片,在校园里出售。他说:“我会用赚到的钱来作为下次旅行的费用。” /201312/267711。
  • A young man saw an elderly couple sitting down to lunch at McDonald#39;s. He noticed that they had ordered one meal, and an extra drink cup. As he watched, the gentleman carefully divided the hamburger in half, then counted out the fries, one for him, one for her, until each had half of them. Then he poured half of the soft drink into the extra cup and set that in front of his wife. The old man then began to eat, and his wife sat watching, with her hands folded in her lap.一个年轻人在麦当劳里看见一对年迈的夫妇在吃午餐。他发现那对夫妇只点了单人餐,还要了一个空杯子。年轻人看见丈夫认真地把汉堡分成两半,把薯条一根一根数出来同样放成两堆,一份给自己,一份放在妻子面前。之后丈夫把饮料一半倒到空杯子里,同样放到妻子面前。这时丈夫开始吃了,而妻子却把手摊在膝盖上,在一旁看着。The young man decided to ask if they would allow him to purchase another meal for them so that they didn#39;t have to split theirs.年轻人决定上前请那对夫妇允许他为他们再买一份单人餐,这样他们就不用分一份了。The old gentleman said, ;Oh no. We#39;ve been married 50 years, and everything has always been and will always be shared, 50/50.;丈夫说道:“哦,不用了。我们已经结婚50年了,所有的东西我们都会一起分享,对半儿分。”The young man then asked the wife if she was going to eat, and she replied, ;It#39;s his turn with the teeth.;然后年轻人问妻子她为什么不吃,她说:“这回他先用假牙。” /201303/229695。
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