外國人最想和你聊的時(shí)事話題：學(xué)生如何理財(cái)
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What is student money 學(xué)生如何理財(cái)
Many of us would like to have money in savings. Frankly speaking, a dollar spent now seems to provide a lot more pleasure than a dollar saved, how can you make sure you're motivated enough to put money aside on a regular basis?Here are five things that could work for you.
(1) Save little and often
Do you tell yourself that it's not worth saving if you don't have at least 100 (or 500, or 1000) to put into a savings account? This is a bit like telling yourself that it's not worth getting some exercise unless you have a whole day clear to jog.
How about saving just a dollar or two each day? Most of us can cut a couple of dollars of unnecessary spending every day (how about skipping that latte, carpooling, ditching your daily newspaper...?) It's a tiny amount that you'll barely notice on a daily basis, but over the course of a year, you'll have saved several hundred dollars.
(2) Read personal finance blogs.
I find that I get encouraged to save--and to adopt good financial habits in general-by reading about others' tips and success. One of my must-read blogs for this is The Simple Dollar; Trent writes very well, and covers topics in-depth without making them too complicated. He also has an upbeat and motivating attitude towards savings and finances(some personal finance blogs can make for rather dour reading).
Other good blogs on personal finance are Get Rich Slowly and Wise Bread.
(3) Keep a savings log
Something that's often recommended for those sorting out their finances is to keep a spending log--to write down what you spend, so that you have a clear picture of where all the money is going. I've done this in the past, and it's always revealing (and occasionally a bit horrifying!)
A twist on this, though, is to keep a savings log. Each time you make a deposit into your savings account (or each time you shove a few dollars into the jam jar hidden under your bed), write down the date and how much you saved. This can be a great way to motivate you to save more. You could also use your calendar or diary for this.
(4) Save towards a specific goal
Having a very clear goal in mind can make it much easier to save up. If you know that you need 1,000 for that new computer, or if you're determined to reach, 5000 in your emergency fund, focusing on the end goal can keep you motivated.
Your end reward might not be a tangible thing like a vacation or a new purchase: it might be peace of mind, or a sense of security or freedom. Consider visualizing how you'll feel once you have your target amount in the bank. Will it take a weight off your shoulders? Will you be proud of what you've achieved?
(5) Automate Your Savings
Finally, if you do find that your motivation waxes and wanes, simply automate your savings. Get your bank to transfer 100 (or 200 or 500 etc) from your checking account into a savings account, at the start of each month. If the money goes out without you having to lift a finger, chances are that you'll simply let it head off into the saving pot.
理財(cái)（Financial management）即對(duì)于財(cái)產(chǎn)(包含有形財(cái)產(chǎn)(tangible assets)和無形財(cái)產(chǎn)(intangible assets)=知識(shí)產(chǎn)權(quán)(intellectual property right))的經(jīng)營。多用于個(gè)人對(duì)于個(gè)人財(cái)產(chǎn)或家庭財(cái)產(chǎn)的經(jīng)營，是指?jìng)€(gè)人或機(jī)構(gòu)根據(jù)個(gè)人或機(jī)構(gòu)當(dāng)前的實(shí)際經(jīng)濟(jì)狀況，設(shè)定想要達(dá)成的經(jīng)濟(jì)目標(biāo)(financial objective)，在限定的時(shí)限內(nèi)采用一類或多類金融投資工具(financial investment tool)，通過一種或多種途徑達(dá)成其經(jīng)濟(jì)目標(biāo)的計(jì)劃、規(guī)劃或解決方案。具體實(shí)施該規(guī)劃方案的過程，也稱理財(cái)。我國流傳悠久的"開源節(jié)流"(broaden sources of income and reduce expenditure)就是很好的理財(cái)思想之一。既開源，又節(jié)流，開源節(jié)流并重，大學(xué)生理財(cái)(student money)也要從這兩方面出發(fā)。
It is urgent to strengthen frugality and set up the consciousness of manage finances in students.
"增強(qiáng)大學(xué)生節(jié)儉意識(shí)，樹立大學(xué)生理財(cái)觀念"已是當(dāng)務(wù)之急。
Financial planning helps you keep your assets where they should be, in your own pocket.
理財(cái)規(guī)劃幫助你保有自己的財(cái)富.
She is wise in money matters.
她善于理財(cái)。
Are you good at managing your money?
你善于理財(cái)嗎？
She's not a very good manager she always spends more money than she earns.
她不大會(huì)理財(cái)，總是入不敷出。
When it comes to select a fund, you will always read "Past performance is not an indication of future results".
每當(dāng)你選擇一支基金時(shí)，總會(huì)看到以下提示"過去的表現(xiàn)不能代表未來的發(fā)展。"
The market undergoes great change from day to day.
市場(chǎng)每天都會(huì)經(jīng)歷不停地變化。
I have doubted those funds with bad stock performance.
我不相信那些過去表現(xiàn)很差的股票。
I really want to decrease the risk reach the minimum and achieve the maximum returns.
我很想以最低的風(fēng)險(xiǎn)獲得最高的利潤。
If you refuse to take risk, you can't have better returns.
如果你不想承擔(dān)風(fēng)險(xiǎn)，就不會(huì)有更高的回報(bào)。
How do you deal with this money, deposit in the bank or do some investment?
你打算如何處理這些錢，存到銀行還是進(jìn)行投資？
Are you a "moonlight clan"?
你是一個(gè)"月光族"嗎？
My mother always deposits the money in the bank.
我媽媽通常把錢存到銀行。
Nowadays many people chose to withdraw money from bank and do investment.
現(xiàn)在很多人都把自己的錢從銀行取出來進(jìn)行投資。
Investing money to fund is safer than to stock.
投資基金比投資股票更安全。
The government encourages people to invest.
政府鼓勵(lì)公眾投資。
The students can gain extra income by doing part-time job, and avoid blind consumption, which can accumulate some savings.
學(xué)生可以通過兼職獲得額外收入，并且避免盲目消費(fèi)，這樣就可以獲得一些儲(chǔ)蓄。
William: The interest rate decrease again, it will suffer a lost if deposit this money in the bank.
威廉姆：利率又下調(diào)了，將錢存在銀行將會(huì)遭受損失。
Taylor: Everyone wants to be financial lose kill. You must invest your savings if you planed to become rich.
泰勒：每個(gè)人都希望不受損失。如果你想變得富有就必須將儲(chǔ)蓄進(jìn)行投資。
William: I'm thinking about buying stocks. It can be a good investment if I can manage well. What do you say?
威廉姆：我正打算投資股票。如果操作得當(dāng)將是一種很好的投資方式。你覺得呢？
Taylor: I partly agree with you. Buying stocks is not difficult, but making money consistently from buying stock is very difficult. Even professionals don't find it easy. Did you ever buy any stock before?
泰勒：我不完全贊成你的觀點(diǎn)。買股票不是件困難的事情，但是能一直從股票中獲得收益則非常困難。即使是專家也不容易。你以前買過股票嗎？
William: Never, but I bought the national debts.
威廉姆：沒有，但是我買過國債。
Taylor: They're quite different. The national debts are the investment tool with much lower risk, while stock market is full of high risks.
泰勒：他們是完全不同的。國債是一種低風(fēng)險(xiǎn)的投資工具，而股票市場(chǎng)則充斥著高風(fēng)險(xiǎn)。
William: I know. Higher risk always accompany with high profit.
威廉姆：我知道。高風(fēng)險(xiǎn)總是伴隨著高收益。
Taylor: That's true. In a word, be careful.
泰勒：這倒是事實(shí)?？偠灾?，投資股票要小心。
William: Anyway, people like us need help with investing.
威廉姆：像我們這樣的需要尋求投資幫助。
Taylor: Why not do some online research? There are data, reports and discussion forums to educate people on how to invest. In addition, you need to visit an established website that offers stock charts.
泰勒：為什么不上網(wǎng)查詢？網(wǎng)上有數(shù)據(jù)、報(bào)告和論壇指導(dǎo)人們?nèi)绾芜M(jìn)行投資。此外，你還需要登錄提供股市變化圖的網(wǎng)站進(jìn)行瀏覽。
William: Wow, you sound very professional.
威廉姆：哇，你看起來非常專業(yè)呢。
Taylor: I just watched the investment TV program last weekend. It has become a very hot topic these days. Actually I am not even a beginner.
泰勒：我只是上周末在電視上看了投資節(jié)目。股票投資已經(jīng)成為這段時(shí)間的熱門話題。實(shí)際上我還沒有開始投資。
William: Are you interested in buying stock? We can do it together.
威廉姆：你有興趣投資股票嗎？我們可以一起做。
Taylor: I'm a risk avoid person, I prefer the national debts or fund with lower risk.
泰勒：我是個(gè)風(fēng)險(xiǎn)規(guī)避者，我更愿意選擇國債或基金這些低風(fēng)險(xiǎn)的投資工具。
William: Up to you.
威廉姆：隨你吧。
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