經(jīng)濟衰退時期怎樣安然度過

Economic recessions are real. Job loss, foreclosures and a weak dollar can make life during a recession difficult. Don't let yourself sink below. Here's how to survive and stay afloat.

經(jīng)濟衰退已經(jīng)切實地發(fā)生了。失業(yè)，財產(chǎn)沒收和美元疲軟都會導致經(jīng)濟蕭條期生活困難。不要讓自己在經(jīng)濟衰退的大潮中沉沒，以下是幫助你安然度過，勇往直前的一些建議。

Step 1: Secure Your Job

1.保住工作

Strengthen your connection to your company. Let your boss know you can be counted on during hard times. Better yet, work your way toward a recession-proof job. Education and health services are well isolated from recession woes. If you're working as a teacher or in the health business, you shouldn't have to worry about losing your job.

增強自己和公司的聯(lián)系。讓老板知道在困難時期可以依靠你。更好的是，在經(jīng)濟衰退期可以保住工作。教育和健康服務都不受經(jīng)濟衰退影響。如果你從事教育或健康行業(yè)，你不必擔心失業(yè)。

Step 2: Secure Your Finances

 2.保障財政

In a recession, you want to have your money in the safest possible investment, cash. Money-market mutual funds are best. If you do own stock and some of it tanks, don't sell in a panic. Traditionally, stock markets go through a "V" shape. The first stroke of the V is a loss of value, sometimes 10%. The second stroke of the V is the recovery. Keep your eye on the long run,because you very well can get it all back in 1 year.

在經(jīng)濟衰退期，你要把自己的錢財投資在最安全的地方。貨幣市場的共同基金是最好的。如果你持有一些股票，不要匆忙拋售。傳統(tǒng)來講，股票都是“V”型走勢。股票最初會下跌大約10%，然后復蘇。眼光放遠一點，因為一年之內(nèi)你就可以挽回損失。

Step 3: Secure Your Home

3.保護房子

Even if you or your spouse lose your job, hang on to your house. Ask your lender about forbearance, which postpones a loan payment. Refinancing will lower a mortgage interest rate. A repayment plan will adjusts the amount due and time frame. Bottom line: recession is temporary. Make the right choices, and you'll survive.

即使你和配偶都失業(yè)了，一定要保住房子。向放款人要求延長償還貸款時間。再融資會降低抵押利率。償還計劃會根據(jù)金額和時間做出調(diào)整。底線就是：經(jīng)濟衰退只是暫時的。做出正確的選擇，你一定能夠安全度過。

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