商务英语精读5

商务英语精读

BusinessEnglishIntensiveReading主讲：朱梅Objectives1.Passtheexaminationandgetthecreditpointsrequiredforobtainingmaster’sdegree.2.Deepenunderstandingofknowledgerelatedtobusinessmanagement.3.AcquaintwiththestyleofwritinginEnglishinfamouswesternmagazines.4.Understandwesternculturemuchbetter.5.InspireinterestsinlearningEnglish.Englishisawindowforyoutolookoutsideandunderstandthewholeworld.SourceofArticles

Allthearticlesarechosenfrom:TimeNewsweekTheEconomistFortuneManagementReviewText1

TheShanghaiWorldExpoLivingthedream生活在梦境中Apr29th2010|SHANGHAI|FromTheEconomistSomethinginbetweenatradefair（交易会）,afunfair（游乐场）andatemplate（模板、样板）forglobaldominationText（1）WHENitcomestomakingthemeparkswork,China’srecordisratherapoorone.InthesuburbsofShanghaiweedsentwine（缠绕、盘绕）therailed-off（用栏杆围起来）entrancetoanabandonedamusementcentre,calledAmericanDream,a$50mventurethatspectacularlyfailedtoinspire.Text（1）InthesamecityonMay1stChinaopensitsgreatestsuchprojecttodatewithalavishceremonyattendedbyChineseandforeignleaders.CalledtheWorldExpo,Shanghaihasgambledbillionsonit,hopingtomakeitahugetouristattractionandasymbolofthecountry’srisingpower.Butproblemslieahead.Text（2）Thecity’slavishspendingontheexpoisallthemorestrikinggivenhowlacklustre（无光泽的）abrandWorldExpos(orWorld’sFairsastheyaresometimesknown)havebecomeinthedevelopedworld.Text（2）

FewevenrememberthelastsucheventheldinAichi（爱知）,Japan,in2005,letalone（更不用说、还不算）theoneinZaragoza（[sɑ:rɑ:′ɡɔ:sɑ:]萨拉戈萨）Spain,in2008,whichinthearcane（秘密的、神秘的）terminology（术语）ofthebusiness,dictated（命令、指定）bytheBureauInternationaldesExpositions（国际展览局）inParis,didnotactuallycountasafull-scale“universal”expo.Text（3）Shanghai,however,ishopingtoattract70mvisitorstoitssix-monthfair,morethanthreetimesasmanyaswenttoAichiand12timesmorethantoZaragoza.Itsaysithasspent$4.2billionontheeventalone—morethantwiceasmuchasBeijingspentontheOlympicgamesin2008—plustensofbillionsonacceleratedimprovementstothecity’sinfrastructure.Text（4）Officialstendtoavoidtheterm“themepark”todescribetheexpo,butthatiswhatitis.LonggonearethedaysoftheGreatExhibitioninLondonof1851,theprogenitorprogenitor（先驱、前辈）ofallexpos,whenthepointwastoshowoffmanufacturedgoods(andBritishindustrialstrength).Shanghai’sexpograndlystatesitspurposeasbeingtostimulatediscussionof“urbanmaladies（弊病）”.“Bettercity,betterlife”isitsslogan.Text（4）SometimesofficialscallitChina’s“economicOlympics”asifitwereahugetradefairwherebusinessdealsarestruck(itisnot).Abetterexplanationwasgivenbyaseniorexpoorganiserlastyear.Visitors,hesaid,weresupposedtoexperience“thesensationofbeinginafantasticmovieoflightandsound,orenteringathemeparkfullofcolourandattractions”.Funisacentralobjective.Text（5）Anotherisinstilling（灌输）patrioticpride,amotiveveryfamiliartoexpoorganisersofyesteryear.Morethan190countrieshaveputupdisplaysorpavilions,oftenbizarre（[bi′zɑ:]奇形怪状的、怪诞的）architecturalfollies（愚蠢）.Butthesearedwarfedbythe63-metre-highChinapavilion(above)acolossal（巨大的）edifice（[′edifis]大建筑物）resemblinganancientimperialcrown.Text（5）Itispaintedintheoxbloodred（深红色）ofBeijing’sForbiddenCityandisintendedtoawe（使敬畏、使惊惧）visitorsinmuchthesameway.Theeco-friendlythemesthatsomeothercountrieshavetriedtoconveywiththeirpaviliondesignshavebeeneschewed（[is′tʃu:]回避、戒绝）byChinainfavourofademonstrationofpowerandmight.Text（6）Buttheorganisersfacedifficulties.Onlyaboutone-eighthofthe400,000visitorsexpectedonaverageeachdaywillbeabletogetintotheChinesepavilion(thoughunlikemostoftheotherstructures,thiswillnotbedismantledaftertheexpo).Priorbookingwillbenecessary.Others,despitehavingspentbetween160yuan($23)and200yuanontickets,willhavetocontentthemselveswiththemoremodest（规模小的）foreignofferings.Butmostvisitorswillbeinterestedinonlyahandfulofthese.Text（7）Trialrunshavefoundmassivequeuesformingatthepopularpavilions.TheAmericanandBritishonesareamongthebiggestdraws（抽奖、抽签）.Waitinghasbeentakingtwoorthreehours.OnedayaChinesevisitorcouldbeheardrebukinganAmericanofficialoutsidetheAmericanpavilion,closedbecauseofatechnicalhitch（套住、钩住；暂时的困难或问题）.“Icametothispavilionfirstasasignofrespecttoyourcountry,”hefumed（愤怒；冒烟）.Text（7）Organiserswillbeprayingthatnomorehiccups（打嗝）occur.Thevastscaleofthesite,20timesbiggerthantheoneatZaragozaandmorethantwiceaslargeasAichi’s,meanscoveringlongdistancesbetweenpavilions,andtherearealsoqueuesforbuses.InShanghaitheweatherinsummerisextremelyhotandhumid.Temperscouldeasilyfray（磨损、磨破）.Text（8）Sellingthe“bettercity”themeisalsoanuphill（上坡的；费力的）task.Forallitseco-friendlytalk,Shanghaihasshownthesamedisregard（漠视）asotherChinesecitiesforthosedisplaced（搬迁）byitsrelentlessdevelopment.Some55,000peoplehadtomakewayfortheexpositeonthebanksoftheHuangpuRiver.Text（8）Thousandsmorearenowbeingmovedtomakewayforanother,moreconventional,themepark:Disneyland.ShanghaiDaily,agovernment-controllednewspaper,thisweeksaidtheDisneylandprojectwouldbe“anothernewbrightspot”ofthecity’sdevelopmentaftertheexpo.Text（9）Groundzero（开工地点）ofthisisthevillageofZhaohang,about15km(9miles)eastoftheexposite.LatelastyearagovernmentpamphletsenttoresidentshailedtheDisneylandplanasa“majormove”inShanghai’sserviceeconomy.Inrecentweeksmuchofthevillagehasbeenreducedtorubble.Butafewfamiliesareholdingoutforbettercompensation,evenasdemolition（清拆）crewsteardowntheirneighbours’houses.Text（9）“Thegovernmentisverycrueltous,”saysonesuchresident,overthecrashoftumblingmasonry（[′meisənri]砖石建筑）.Aredbannerhangingoverwhatremainsofanearbystreetcallsonthevillageto“happilywelcomethegrandgatheringoftheWorldExpowithourcivilisednewimage.”Text2ChineseeconomicdataAnewleadingindicatorforChina’seconomy中国经济发展的新的重要指标May20th2010|BEIJING|FromTheEconomistprinteditionText（1）INTHEbacklanesofoldBeijing,afortune-tellerinspectshiscustomer’spalmunderamagnifyingglass,consultshisIChingtables（易经）,thenscribbles（乱涂、胡写）theformulae（formula的复数，公式、套语）offatewithabluntpencil.Hiscustomersincludemanybusinessmen,hesays,anxioustoknowmoreabouttheireconomicprospects.Text（2）China’sfortune-tellersnowhavefreshcompetition.OnMay17th,afterfouryearsofresearch,theConferenceBoard（世界大企业联合会）,aresearchgroup,unveiledanewmonthlyindexofleadingindicators,whichaimstoforetellChina’simmediateeconomicfuture.Aftersifting（筛；精选）throughthecountry’snotoriously（臭名昭著的）patchy（由补缀凑成的；不完整的）statistics,theBoardcompileditsindexfromsix:Text（2）theexpectationsofconsumers;lendingbybanks;thesupplyofrawmaterialstoindustry,asmeasuredbyacentral-banksurveyoffirms;theamountoffloorspace（办公楼楼面面积）developershavestartedtobuild;andtheexportordersreceivedandsuppliesdeliveredtomanufacturers,asmeasuredbyasurveyofpurchasingmanagers.Text（3）BecauseChina’seconomicpresentisalmostasmurky（阴暗的，朦胧的）asitsfuture,theBoardalsoreleasedamonthly“coincident”index（“巧合”指数）,whichprovidesagauge（[ɡeidʒ]）测量仪器）ofcurrentactivity.Thisindex,basedonindicatorsfromelectricitygenerationtopassengertraffic,ismoretimelythantheofficialGDPfigure.Itisalsomorevolatile,perhapsbecauseChina’sofficialdatatendtosmooththingsout(unlikeitsfortune-tellers,whocanbebrutally（残忍地）frank).Text（4）TheBoardhasretrospectively（回顾地）calculateditsnewindicesforeverymonthbackto1986.TheleadingindexwouldhavesuccessfullypredictedtheChineserecessionin1988-89,aswellasthesharpslowdownin2008.AstheBeijingfortune-tellersays,“IfIcantellyoucorrectlyaboutyourpast,Icantellyoucorrectlyaboutyourfuturetoo.”Text（5）SowhatareChina’sprospects?Accordingtoofficialfigures,China’seconomygrewby11.9%intheyeartothefirstquarter,raisingfearsofoverheating.TheBoard’sleadingeconomicindexincreasedalittleinMarch,thankstothe153msquaremetresoffloorspacestartedthatmonth.ButChina-watchersshouldnotreadtoomuchintoasinglemonth,theBoardcautions（警告、提醒）.Text（5）InApriltheauthoritiesclamped（夹紧、夹住）downonpropertyspeculation.Andjudgedoverasix-monthperiod,Chinesegrowthisnotgettingmuchstronger.Asforyourcorrespondent（通讯记者）,accordingtothefortune-tellerhewilldowellfinancially.ButunlikeChina,hewillspendmoneytooliberallytoaccumulatemuchwealth.Text3

WhatItWouldTaketoRecovertheWeakeningEuro采取什么措施来挽救疲软的欧元ByMICHAELSCHUMAN

Monday,May.31,2010TIMEText（1）TheeurowassoldasasymbolofEurope‘sstrengthandassomethingthatmightonedayrivaltheU.S.dollarforthetitleofworld’sreservecurrency.It‘sturnedouttobeneither.True,Europe’sleadersremaincommittedtotheirgreatexperimentwithmonetaryunion,andforthatreason,anytalkthattheeurozonewillsooncollapse—astandardpredictionamongU.S.economists—islikelytoproveoffthemark（完全错误）.Text（1）Buttomaketheeurowhatitwassupposedtobe,Europewillhavetoendureapainfulperiodofeconomicreform.Overthepastfewmonths,we'velearnedthathoweverpoliticallyunitedthecontinentmightbe,theeuroisonlyasstrongasEurope'sweakestparts.Text（2）Asthatrealityhassunkintothemindsofinvestors,theeurohassunkwithit.Inmid-May,theeurotouchedafour-yearlowagainstthedollar.ForEurope,that'sprobablyagoodthing.AcheapereuromakesEuropeanproductsmorecompetitiveinworldmarkets,whichcouldboostexportsandgrowthinaregionexperiencinganespeciallytepidrecoveryfromtheGreatRecession.Text（3）ButaweakeuroisbadnewsfortheU.S.,whichwascountingonexportstocreatejobsandsustainitsownrecovery;ininternationalmarkets,U.S.-madegoodswillnowbelesscompetitivethanEuropeanones.WesternEurope,oneoftherichestplacesonearth,hastraditionallysuckedupoodles（[′u:dlz]大量）ofimports,buttheweakeurowillraisetheirprice,depressingdemandandwithitthechancesforarapidglobaleconomicrebound.Text（4）Don‘texpecttheeurotoreversecourseanytimesoon.Europeanleadershavefailedmiserablytoshoreitup（支持、支撑）inatimelyfashion（及时）,evenwithdramaticdisplaysofresolve.Thepresentcrisiswastippedoff（倾斜、倒出）byinvestorconcernsthatGreecemightdefaultonitsloadofsovereigndebt,whichinturnfocusedattentiononotherindebtedeuro-zonemembers—Portugal,Ireland,ItalyandSpain,whichwithGreecemakeuptheso-calledPIIGS.Text（4）Fearsragedaboutadomino-likeseriesofdebtdefaultsthatwouldcastEuropebackintorecession.Text（5）Atleastfornow,theEuropeanUnionhaseffectivelysquashed（压烂、挤碎）contagion（传染）byagreeingtoassemblearescuefundforindebtedmembersofnearly$1trillion.Theeuro,however,barelytookabreathbeforecontinuingitsslowdescent.Why?Becausethebigfunddoesn'tsolveanyofEurope'sunderlyingproblems.Text（5）Thedebtisstillthere,andthePIIGSaregoingtohavetodealwithit,whatevertheoreticalmoneytheirricherneighborsmighthavepledged.ThePIIGSaredestinedforradicalfiscalsurgerytobringdowndeficitsandstabilizedebtlevels,andthatprocesswillfurthersuppressgrowth.Evenwithausterity（节衣缩食）measuresinplace,thereisnoguaranteethatdebtcrisescanbeaverted.Text（5）Greece‘seconomyissoseverelymessedup（弄乱、弄糟）thatmostanalystsexpectthatthecountrywillstillrequireadebtrestructuringdowntheroad.Text（6）Thecrisishasalsoshedlighton（使...清楚地显出）flaws（缺点、瑕疵）,deepintheverystructureoftheeurozone.Thefactthatfiscalirresponsibilityinahandfulofmembersnearlybroughttheentireprojecttoitsknees（颔首屈膝）hasshowntheneedforeconomicpolicingofmemberstates.There'stalkofsomethinglikean"economicgovernment"tocoordinateindividualcountries'budgets.Text（6）Inmid-May,theEuropeanCommission,theE.U.'sexecutivebody,proposedanadvance-reviewprocessforbudgets.ButfewofEurope'sgovernmentsarelikelytobekeenonhandingovermoresovereigntytothebureaucratsinBrussels.Text（7）Morefundamentally,theeurozonehastoaddressthegreatdisparitiesincompetitivenessamongmembereconomies,whichrangefromeconomicpowerhouseslikeGermanyandFrancetobasketcases（经济瘫痪）likeGreece.Text（7）Thatwillentail（需要，带来）difficultstructuralreformsincountrieslikeSpain,wherelaborlawshavelongfeatherbedded（任闲职）olderworkerswhileleavingahostof（许多，大量）youngeronestrappedintemporaryjobstoweathereconomicstormsunaided.Butrepairinginflexibleanddistortedlabormarketswillnotbeapoliticalcakewalk（易如反掌的事）,asthefurious（狂怒的）responsebyGreece'spublic-servicesectorhasgrimlydemonstrated.Text（8）PerhapsEuropecanmanageallofthisdrasticchangeinthecomingyears,settingitscurrencyonahealthiercourse.Untilthen,theworldmightjusthavetogetusedtoaweakereuro.TheresearchfirmCapitalEconomicspredictsthattheeurowillreachparwiththeU.S.dollarbytheendofnextyear,fallingfrom$1.24pereurointhemiddleofthismonth—afurther20%depreciationagainstthegreenback.Thefactis,Europedeservesaweakercurrency.Problemis,therestoftheworlddoesn't.Text410ThingstoDoWithYourMoneyRightNow当前可为你的钱财所做的十件事From:TimeNov.7,2008byDANKADLEC

ProtectingYourFinancialFutureIntroductionSignsthatthecreditcrunch（信贷危机）isfinallyeasinghaveemergedthisweekasbigbanksarelendingtooneanotheragain.That’sgood.Butit’shardlyanall-clearshout（解除危险的信号）.There’snotellingifthebudding（正发芽的；初露头角的）recoveryincreditmarketswillstick,andatthispointarecessionappearsallbut（几乎、差不多）certain.Soit’snottoolatetotakedefensiveaction.Hereare10thingstodorightnowtoprotectyourfinancialfuture.1.大量现金储蓄HoldMoreCash1.HoldMoreCash一般情况下，当市场经济失去控制，现金会居于主导地位。有效地存款方式或者货币市场基金可以帮助储户安全度过萧条期，而不至于低价变卖家产。当出现物价下降的情况时，存款可以使你处在有利的投资位置上，而且这种情况会比你想象中出现的快。Asalways,whenthingsgetnutty（坚果的；古怪的、发疯的）inthemarketscashisking.Ahealthycushion（垫子、坐垫；[俚]积贮、存款）inbankCDs（CertificatesofDeposit）ormoneymarketfundswillletyourideout（安然渡过、经受得住）theslumpwithouthavingtosellsassetsatfire-sale（减价出售）prices.Acushionwillalsoputyouinpositiontoinvestwhenthedownturn’sbottomisinsight—andthatcouldcomesoonerthanyouexpect.1.HoldMoreCash马克海恩是辛辛那提投资顾问公司的财政策划人，他说当政府为了弥补经济危机造成的损失而采取特殊政策时，股票价格会呈走高趋势，就像私人银行中的分红。这种趋势已经出现在美国和其它国家。MarkHenn,afinancialplanneratHarvestAdvisorsinCincinnati（辛辛那提）,saysthatstocksusuallygetaliftwhenthegovernmenttakesextraordinarystepstofixacrisis—liketakingownershipstakes（份额、奖品）inprivatebanks.That’sbeingdonenowintheU.S.andothercountries.1.HoldMoreCash他承认这并不令人感觉舒服，但是当物价下降时购买力会增强。？？？“Itdoesn’tfeelcomfortable,”heconcedes（承认）.“Butnow’sthetimetobuywhilethingsareonsale.”Treadslowlyifyoudojumpbackin,though,andbeforeyougobargainhunting（买便宜货）firstbuildyourcashpositiontoatleastayear’sworthoflivingexpenses,longerifyouareretired.2.FindSomethingtoCut2.FindSomethingtoCut减少开支是建立现金安全网的最有效方式。在家庭中，你可以轻松地省去很多项开支，例如，干洗费，外出就餐开支和家政服务开支。也许你还可以因为更多的关注为财政服务所付的费用而节省的更多。改变为低费用的股票基金指数。Eliminatingexpensesisthesurestroutetobuildingacashsafetynet.Therearemanycostsyoucaneasilyhack（劈、砍）awayatyourhome—drycleaningbills,dinnersout（外出就餐、出去吃饭）,domestichelp（家政助理、女佣人）.Yetyoumaybeabletosaveevenmore,andpainlessly（没有痛苦地）,bypayingcloserattentiontothefeesyoupayforfinancialservices.Switchtoalow-feestockindexfund.2.FindSomethingtoCut确保你在核对账目时有透支保护，而不至于在你使用另一个银行的自动取款机时费用会上升。再评价你的安全保险需要。如果你已经戒烟或减轻体重可以相当于在另一个保险单上有意义的折扣。如果你已偿还清抵押所借的款项或者孩子们已经独立生活，你就可以减小你的保险责任范围。每个月的结余总计达数百美元。Makesureyou’vegotoverdraftprotection（透支保护）onyourcheckingaccountandaren’tneedlesslyringingupfeesbyusinganotherbank’sATMs.Reassessyourlifeinsuranceneeds.Ifyou’vequitsmokingorlostalotofweightyoumaybeeligibleforameaningfuldiscountonanotherpolicy（保险单）,andifyou’vepaidoffthemortgageorthekidshavelefthomeyoumaybeabletoreduceyourcoverage（保险责任范围）.Thesavingscouldadduptohundredsofdollarsamonth.3.PayDownDebt3.PayDownDebt这看起来似乎是一项无法抵抗的任务，所以每一次要集中在一项上完成。首先从用最小的平衡来偿还你的信用卡开始。一旦你偿还清你所欠的账务，你就会感觉很轻松。接着用最高的利率来选择信用卡，根据不同的利率来选择不同的消费贷款。你会从哪得到钱呢？如果你加薪了，你可以还车贷，或者还学生贷款，或者可以从一些常规的花销中解脱，这些并没有什么区别，这都取决于贷款的减少。Itmayseemlikeanoverwhelmingtask,sodoitbyfocusingononepieceatatime.Startbypayingoffyourcreditcardwiththesmallestbalance.You’llfeelempoweredonceyou’vecleanedthatslate.Thenmovetothecardwiththehighestinterestrate,andthenontoconsumerloanswithvariablerates.Wherewillyougetthemoney?Ifyougetaraise,orpayoffacarorstudentloanorbecomefreefromsomeotherregularexpensedon’tspendthedifference—dedicateittodebtreduction.4.MakeSureYourMoney

isSafe4.MakeSureYourMoney

isSafe近来，联邦政府增加了社会团体中每个成员的储蓄金额，保证从十万美元提高到二十五万美元。但是这已经引起无限保障的讨论。所以不必困惑。更重要的是，这是在担保额中最基础的加薪，可能只会持续到2009年的年底。所以如果你想在一个单一的团体中合并储蓄，在一年多的时间里你可能会改变这这个过程。Thefederalgovernmentrecentlyraisedtheamountofdepositsperpersonperinstitutionthatitwillguaranteeto$250,000from$100,000.Butithadbeendiscussingalimitlessguarantee.Sodon’tbeconfused.Moreimportant,thisisatemporarybump（碰撞；肿块；增加、加薪）incoverage（担保额）thatmaylastonlythroughtheendof2009.Soifyouconsolidatedepositsinasingleinstitutionyoumayhavetoreversetheprocessinlittlemorethanayear.4.MakeSureYourMoney

isSafe为了保持事情的简单化就得遵循原有的规定，在任何一个社会团体中应该保持不多于10万美元的额度，至少应该清楚更高的限制保持长久。政府保证考虑到经纪人账户的安全问题，不会有任何改变Tokeepthingssimplejustplaybytheoldrules—keepnomorethan$100,000inanyoneinstitution,atleastuntilitbecomesclearthatthehigherlimitwillbemadepermanent.Therehavebeennochangestogovernmentguaranteesregardingsecuritiesheldinabrokerageaccount（经济人账户）.4.MakeSureYourMoney

isSafe每个人现金储蓄的额度为10万美元，而像股票和基金的额度则可高达50万美元。注意：政府并没有保证反对投资的流失，你所拥有的安全会在现行的市场价格中返还给你自身。Thelimitis$100,000ofcoverageoncashdepositsandupto$500,000onothersecuritieslikestocksandbonds.Note:thegovernmentdoesnotguaranteeagainstinvestmentlosses;onlythatthesecuritiesyouownwillbereturnedtoyouatprevailingmarketpricesshouldyourbrokerfail.5.国际多样化DiversifyInternationally5.DiversifyInternationally你应该让你的结余一直保持增长，将一些现金转入短期的安全储蓄。现在持有一些海外的股票和基金比原来更加重要。如果经济危机加深，那么政府的开支会变的异常庞大，以至于美元贬值，利率上升。海外股票持有者也将不会避免其损失，但是至少他们会给予一个缓冲。Youshouldalwayshaveyoursavingsspreadamonglarge,mediumandsmallstocks,bonds,andhavesomecashstowed（装载、装进）inasafeshort-termsecurity.Nowit’smoreimportantthanevertoholdsomeforeignstocksandbondsaswell.Ifthecrisisdeepens,thecostscouldprovesostaggering（惊人的、巨大的、庞大的）tothegovernmentthatthedollarwillplungeandinterestrateswillrise.Foreignholdingswon’tbeimmunetothefallout,butthey’llatleastofferabuffer（减轻、缓冲）.6.对抵押所借款项再提供资金RefinanceYourMortgage6.RefinanceYourMortgage不管相信与否，在近几周以来，长期的利率一直攀升，使得抵押所借的款项有所增长。但是，随着政府注入大量的资金，长期的利率可能会继续攀升。基金交易者担心美元的主导地位会被削弱，产生通货膨胀。Believeitornot,long-terminterestrateshaveactuallybeenclimbinginrecentweeks,makingmortgagesmoreexpensive.That’sodd（奇怪的、古怪的）giventhelikelyrecessionahead.Butlong-termratescouldcontinuetoclimbasthegovernmentpumpsmoneyintotheeconomyandbondtradersworryaboutaweakerdollarandinflationalittlefurtherdowntheroad.6.RefinanceYourMortgage如果你负担着一个利率不稳定的抵押所借款项，利率在一两年内忽升忽降，你最好不要禁锢在一个三十年的固定利率中，甚至它高于你现在所付的利率。Ifyousaddled（马鞍、负担）withavariable-ratemortgagewheretherateissettojumpinayearortwoyoumaybebetterofflockingina30-yearratetoday,evenifit’shigherthantherateyouarecurrentlypaying.7.避免恐慌Don'tPanic7.Don'tPanic世界末日曾经来临过一次。我确信并不是这样。这就意味着股票基金、真实的财产、工作和商业活动都会逐渐的回弹。和多年前疯狂购买抵押所借款项的股票相比，现在变卖资产是一个错误的决定。Theendoftheworldonlycomesonce.I’mprettycertainthisisn’tit.Thatmeansthatstocksandbondsandrealestateandjobsandbusinessactivitywillallbouncebackeventually.Sellingassetsnowmightprovetobeanevenworsedecisionthanbuyingbankstocksattheheightofmortgagemania（狂热、着迷）acoupleyearsago.7.Don'tPanic评价你能承受多少风险，可以从股票经常性下跌百分之十或规律性下降百分之二十或偶然下降高于百分之三十看出。在长期的过程中，你的风险意识会增强。如果你不能短期内运转你在市场中的份额，你就应该设立一个财产分配：百分之六十的股票，百分之三十的基金，百分之十的现金，这种分配方式是相当保守的。Reassesshowmuchriskyouarecomfortablewith,recognizingthatstocksgodown10%often,20%withsomeregularityandmorethan30%occasionally.

Yettheyhavealwaysgonehigherinthelongrun.Ifyoujustcan’ttakethenear-termgyrations（rotation回转、回旋）youhavetoomuchinthemarketandshouldsettleonanassetallocationyoucanlivewith—60%stocks,30%bonds,10%cashisfairlyconservative.7.Don'tPanic为了避免出现更大的错误，每六个月就要重新整合投资。即卖出上涨和买入下跌的基金，现金及股票来保证分配目标。当价格低迷时，是执行定期定额策略的好时机——每月或每季度定期把大量的资金投入到预期的股票基金中。Toavoidmakinganybigmistakes,rebalanceyourportfolio（投资组合）everysixmonths—sellingwhathasrisenandbuyingwhathasfallentokeepyourbondsandcashandstockexposureatyourtargetallocation.Withpricesdepressed,thisisagoodtimetostartadollar-cost-averaging（平均成本法；定期定额）strategy—investingasetamountofmoneyintoapredeterminedstockfundeverymonthoreveryquarter.8.检查你的信用卡汇率CheckYourCreditCardRate8.CheckYourCreditCardRate近年来，信用卡公司可以很容易的提高你的利率，即使你仅错过一次偿还的机会。这样的话，你就要给信用卡公司打电话并核对你的费用，你也可以反复的要求他们把你当前的费用转换到更优惠的利率范围。但这样的请求并不总是奏效，而信用卡公司又不想失去和你的业务往来，尤其是你有一个良好的信用纪录。如果你仅错过一次按期付款的机会，你就不会有太大的麻烦。Inrecentyearsithasbecomemucheasierforcardcompanies（信用卡公司）toquietlyraiseyourinterestrateifyoumissevenasinglepayment.Callthemandfindoutyourrate,andifyou’vebeendinged（鸣钟；反复说）askthemtoreverttothemorefavorableratethatyoubeganwith.Itdoesn’talwayswork,butcardcompaniesdon’twanttoloseyourbusiness,especiallyifyouhavearecordofpaying.Ifyoumissedjustonepaymentyoushouldhavenotrouble.9.检查你最近银行和经纪人业务记录的准确性CheckYourMostRecentBankandBrokerageStatementforAccuracy9.检查你最近银行和经纪人业务记录的准确性CheckYourMostRecentBankandBrokerageStatementforAccuracy

随着金融服务行业合并和收购的步伐加快使得薄弱机构进入到强者的行列。鉴于过去一个月的动荡-尽管你谢天谢地祈求远离这种可能-你的发言可能包含一个错误。如果你不及时纠正，你的机构就会被接管，你将要在一个漫长和艰难的情况下通过新闻界给股东退钱。Thepaceofmergersandtakeoversinthefinancialservicesindustryhasquickenedasweakinstitutionsfallintothearmsofstrongerones.Giventheupheaval（大动荡、大变动）ofthepastmonthit’spossible—though,thankfully,farfromlikely—thatyourstatementmaycontainanerror.Ifyoudonotcorrectitpromptlyandyourinstitutionistakenoveryouwill,atbest,havealonganddifficultcasetopresstogetyourmoneyback.10.贷方BeaLender10.贷方BeaLender如果由于某种原因，你会发现自己钱充裕，而周围的人却资本匮乏，你可以凭借优势采取延长贷款给朋友，家人甚至是第三方。银行是吝啬的，通过维珍金融公司和信贷俱乐部为你开创了全新的点对点贷款市场。Ifforsomereasonyoufindyourselfflush（冲刷；脸红；钱充裕）whileeveryonearoundyouisstarvedforcapital,takeadvantagebyextendingaloantoafriend,familymemberorevenathird-party.Banksarebeingstingy（小气的、吝啬的）,whichcreatesopportunityforyouinthefairlynewP2P(peer-to-peer)loanmarket（对等贷款市场、点对点贷款市场）pioneered（开发、始创）byVirginMoney（维珍金融公司）andLendingClub.10.贷方BeaLender

这些通常是家庭成员的车辆延长完整记录和抵押贷款的优惠税率计征。但如果在一段时间内你认为股票是死钱，且不看好货币市场基金收益率，你可以透过这个金融市场的新领域放出更有优势的利率贷款。Theseareoftenvehiclesforextendingfamilymembersfullydocumented（备有证明文件的）andcollateralized（抵押）loansatafavorablerate.Butifyouthinkstocksaredeadmoneyforawhileanddon’tlikethelooksofpaltry（微不足道的、不重要的）moneymarketfundyields,youmaybeabletodobetterofferingamarket-rateloanthroughthisnewfrontieroffinance.Explanation（1）定期定额（DollarCostAveraging）策略要求投资者每月买固定金额的股票或者基金，而不管股票或者基金的价格如何。很多人都有乱花钱的习惯，特别是年轻人。如果你采用定期定额投资策略，就有强制储蓄的功能。在每月发工资后，你做的第一件事，就是为自己的将来“储蓄”，不然，钱可能不知不觉就花掉了。Explanation（2）LendingClub是另一个私人借贷服务的社会化网络应用，与FYGO、Prosper、Wonga类似，没有银行这一类大型机构的介入，完全基于网站内的信用体系，在用户之间进行私人借贷，并且大部分的交易其利息都要远低于银行所能提供的贷款利息。从今年上半年的同类网站发展与动态来看，这一类的网站大有发展前景。Text5FeelingtheSqueeze?感觉到你的收入缩水了吗？From:NewsweekJun

13,2008byLindaSternNineeasywaystobeatinflation.Text（1）ThenewConsumerPriceIndex(CPI)numbersconfirmwhatyoualreadyknow:lifeisgettingmoreexpensivebytheminute.InMaypricesrosealarger-than-forecast0.6percent,drivenbyeverydayessentialslikegasandfood.ThatwastheCPI’sbiggestincreaseinsixmonths,anditcappedoff

（finishorcomplete）a12-monthperiodinwhichpricesrose4.2percent,upfromthe2.9percenttheyhadriseninthe12monthsendinginApril.Text（1）InMayfueloilpriceswereup10.4percent,puttingthem64percentabovewheretheyhadbeenayearago.Milkpriceshavejumped10.2percentovertheiryear-agolevel.Text（2）Noneofthatisverysurprisingtoconsumers,whohavebeenpayingmoreatthegroceryandfeelingthepainatthepump（抽水机、打气筒，这里指加油站）.Washingtonisworried,becauseinflationcansnowballwhenfearofrisingpricesgetseveryonebehavinginawaythatpushespricesyethigher.Leftuntreated,itcanchokeoff（闷死、勒死）economicgrowth.Text（2）TheFederalReserve（美国联邦储备，中央银行）,whichmayhavestartedthatballrollingwhenitpumpedmarket-savingliquidityintotheeconomyearlierthisyear,nowisexpectedtobeginraisinginterestratessoontotampdown

（pressdowntightly捣实、夯实）thatfeverish（发烧的；兴奋的、狂热的）feeling.Text（3）Soitcouldgetworsebeforeitgetsbetter,aspolicymakerstrytosqueezethoseinflat