商務(wù)英語精讀5

商務(wù)英語精讀

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

Allthearticlesarechosenfrom:TimeNewsweekTheEconomistFortuneManagementReviewText1

TheShanghaiWorldExpoLivingthedream生活在夢境中Apr29th2010|SHANGHAI|FromTheEconomistSomethinginbetweenatradefair（交易會(huì)）,afunfair（游樂場）andatemplate（模板、樣板）forglobaldominationText（1）WHENitcomestomakingthemeparkswork,China’srecordisratherapoorone.InthesuburbsofShanghaiweedsentwine（纏繞、盤繞）therailed-off（用欄桿圍起來）entrancetoanabandonedamusementcentre,calledAmericanDream,a$50mventurethatspectacularlyfailedtoinspire.Text（1）InthesamecityonMay1stChinaopensitsgreatestsuchprojecttodatewithalavishceremonyattendedbyChineseandforeignleaders.CalledtheWorldExpo,Shanghaihasgambledbillionsonit,hopingtomakeitahugetouristattractionandasymbolofthecountry’srisingpower.Butproblemslieahead.Text（2）Thecity’slavishspendingontheexpoisallthemorestrikinggivenhowlacklustre（無光澤的）abrandWorldExpos(orWorld’sFairsastheyaresometimesknown)havebecomeinthedevelopedworld.Text（2）

FewevenrememberthelastsucheventheldinAichi（愛知）,Japan,in2005,letalone（更不用說、還不算）theoneinZaragoza（[sɑ:rɑ:′ɡ?:sɑ:]薩拉戈薩）Spain,in2008,whichinthearcane（秘密的、神秘的）terminology（術(shù)語）ofthebusiness,dictated（命令、指定）bytheBureauInternationaldesExpositions（國際展覽局）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（先驅(qū)、前輩）ofallexpos,whenthepointwastoshowoffmanufacturedgoods(andBritishindustrialstrength).Shanghai’sexpograndlystatesitspurposeasbeingtostimulatediscussionof“urbanmaladies（弊?。?“Bettercity,betterlife”isitsslogan.Text（4）SometimesofficialscallitChina’s“economicOlympics”asifitwereahugetradefairwherebusinessdealsarestruck(itisnot).Abetterexplanationwasgivenbyaseniorexpoorganiserlastyear.Visitors,hesaid,weresupposedtoexperience“thesensationofbeinginafantasticmovieoflightandsound,orenteringathemeparkfullofcolourandattractions”.Funisacentralobjective.Text（5）Anotherisinstilling（灌輸）patrioticpride,amotiveveryfamiliartoexpoorganisersofyesteryear.Morethan190countrieshaveputupdisplaysorpavilions,oftenbizarre（[bi′zɑ:]奇形怪狀的、怪誕的）architecturalfollies（愚蠢）.Butthesearedwarfedbythe63-metre-highChinapavilion(above)acolossal（巨大的）edifice（[′edifis]大建筑物）resemblinganancientimperialcrown.Text（5）Itispaintedintheoxbloodred（深紅色）ofBeijing’sForbiddenCityandisintendedtoawe（使敬畏、使驚懼）visitorsinmuchthesameway.Theeco-friendlythemesthatsomeothercountrieshavetriedtoconveywiththeirpaviliondesignshavebeeneschewed（[is′t?u:]回避、戒絕）byChinainfavourofademonstrationofpowerandmight.Text（6）Buttheorganisersfacedifficulties.Onlyaboutone-eighthofthe400,000visitorsexpectedonaverageeachdaywillbeabletogetintotheChinesepavilion(thoughunlikemostoftheotherstructures,thiswillnotbedismantledaftertheexpo).Priorbookingwillbenecessary.Others,despitehavingspentbetween160yuan($23)and200yuanontickets,willhavetocontentthemselveswiththemoremodest（規(guī)模小的）foreignofferings.Butmostvisitorswillbeinterestedinonlyahandfulofthese.Text（7）Trialrunshavefoundmassivequeuesformingatthepopularpavilions.TheAmericanandBritishonesareamongthebiggestdraws（抽獎(jiǎng)、抽簽）.Waitinghasbeentakingtwoorthreehours.OnedayaChinesevisitorcouldbeheardrebukinganAmericanofficialoutsidetheAmericanpavilion,closedbecauseofatechnicalhitch（套住、鉤??；暫時(shí)的困難或問題）.“Icametothispavilionfirstasasignofrespecttoyourcountry,”hefumed（憤怒；冒煙）.Text（7）Organiserswillbeprayingthatnomorehiccups（打嗝）occur.Thevastscaleofthesite,20timesbiggerthantheoneatZaragozaandmorethantwiceaslargeasAichi’s,meanscoveringlongdistancesbetweenpavilions,andtherearealsoqueuesforbuses.InShanghaitheweatherinsummerisextremelyhotandhumid.Temperscouldeasilyfray（磨損、磨破）.Text（8）Sellingthe“bettercity”themeisalsoanuphill（上坡的；費(fèi)力的）task.Forallitseco-friendlytalk,Shanghaihasshownthesamedisregard（漠視）asotherChinesecitiesforthosedisplaced（搬遷）byitsrelentlessdevelopment.Some55,000peoplehadtomakewayfortheexpositeonthebanksoftheHuangpuRiver.Text（8）Thousandsmorearenowbeingmovedtomakewayforanother,moreconventional,themepark:Disneyland.ShanghaiDaily,agovernment-controllednewspaper,thisweeksaidtheDisneylandprojectwouldbe“anothernewbrightspot”ofthecity’sdevelopmentaftertheexpo.Text（9）Groundzero（開工地點(diǎn)）ofthisisthevillageofZhaohang,about15km(9miles)eastoftheexposite.LatelastyearagovernmentpamphletsenttoresidentshailedtheDisneylandplanasa“majormove”inShanghai’sserviceeconomy.Inrecentweeksmuchofthevillagehasbeenreducedtorubble.Butafewfamiliesareholdingoutforbettercompensation,evenasdemolition（清拆）crewsteardowntheirneighbours’houses.Text（9）“Thegovernmentisverycrueltous,”saysonesuchresident,overthecrashoftumblingmasonry（[′meis?nri]磚石建筑）.Aredbannerhangingoverwhatremainsofanearbystreetcallsonthevillageto“happilywelcomethegrandgatheringoftheWorldExpowithourcivilisednewimage.”Text2ChineseeconomicdataAnewleadingindicatorforChina’seconomy中國經(jīng)濟(jì)發(fā)展的新的重要指標(biāo)May20th2010|BEIJING|FromTheEconomistprinteditionText（1）INTHEbacklanesofoldBeijing,afortune-tellerinspectshiscustomer’spalmunderamagnifyingglass,consultshisIChingtables（易經(jīng)）,thenscribbles（亂涂、胡寫）theformulae（formula的復(fù)數(shù)，公式、套語）offatewithabluntpencil.Hiscustomersincludemanybusinessmen,hesays,anxioustoknowmoreabouttheireconomicprospects.Text（2）China’sfortune-tellersnowhavefreshcompetition.OnMay17th,afterfouryearsofresearch,theConferenceBoard（世界大企業(yè)聯(lián)合會(huì)）,aresearchgroup,unveiledanewmonthlyindexofleadingindicators,whichaimstoforetellChina’simmediateeconomicfuture.Aftersifting（篩；精選）throughthecountry’snotoriously（臭名昭著的）patchy（由補(bǔ)綴湊成的；不完整的）statistics,theBoardcompileditsindexfromsix:Text（2）theexpectationsofconsumers;lendingbybanks;thesupplyofrawmaterialstoindustry,asmeasuredbyacentral-banksurveyoffirms;theamountoffloorspace（辦公樓樓面面積）developershavestartedtobuild;andtheexportordersreceivedandsuppliesdeliveredtomanufacturers,asmeasuredbyasurveyofpurchasingmanagers.Text（3）BecauseChina’seconomicpresentisalmostasmurky（陰暗的，朦朧的）asitsfuture,theBoardalsoreleasedamonthly“coincident”index（“巧合”指數(shù)）,whichprovidesagauge（[ɡeid?]）測量儀器）ofcurrentactivity.Thisindex,basedonindicatorsfromelectricitygenerationtopassengertraffic,ismoretimelythantheofficialGDPfigure.Itisalsomorevolatile,perhapsbecauseChina’sofficialdatatendtosmooththingsout(unlikeitsfortune-tellers,whocanbebrutally（殘忍地）frank).Text（4）TheBoardhasretrospectively（回顧地）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（夾緊、夾?。ヾownonpropertyspeculation.Andjudgedoverasix-monthperiod,Chinesegrowthisnotgettingmuchstronger.Asforyourcorrespondent（通訊記者）,accordingtothefortune-tellerhewilldowellfinancially.ButunlikeChina,hewillspendmoneytooliberallytoaccumulatemuchwealth.Text3

WhatItWouldTaketoRecovertheWeakeningEuro采取什么措施來挽救疲軟的歐元ByMICHAELSCHUMAN

Monday,May.31,2010TIMEText（1）TheeurowassoldasasymbolofEurope‘sstrengthandassomethingthatmightonedayrivaltheU.S.dollarforthetitleofworld’sreservecurrency.It‘sturnedouttobeneither.True,Europe’sleadersremaincommittedtotheirgreatexperimentwithmonetaryunion,andforthatreason,anytalkthattheeurozonewillsooncollapse—astandardpredictionamongU.S.economists—islikelytoproveoffthemark（完全錯(cuò)誤）.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、支撐）inatimelyfashion（及時(shí)）,evenwithdramaticdisplaysofresolve.Thepresentcrisiswastippedoff（傾斜、倒出）byinvestorconcernsthatGreecemightdefaultonitsloadofsovereigndebt,whichinturnfocusedattentiononotherindebtedeuro-zonemembers—Portugal,Ireland,ItalyandSpain,whichwithGreecemakeuptheso-calledPIIGS.Text（4）Fearsragedaboutadomino-likeseriesofdebtdefaultsthatwouldcastEuropebackintorecession.Text（5）Atleastfornow,theEuropeanUnionhaseffectivelysquashed（壓爛、擠碎）contagion（傳染）byagreeingtoassemblearescuefundforindebtedmembersofnearly$1trillion.Theeuro,however,barelytookabreathbeforecontinuingitsslowdescent.Why?Becausethebigfunddoesn'tsolveanyofEurope'sunderlyingproblems.Text（5）Thedebtisstillthere,andthePIIGSaregoingtohavetodealwithit,whatevertheoreticalmoneytheirricherneighborsmighthavepledged.ThePIIGSaredestinedforradicalfiscalsurgerytobringdowndeficitsandstabilizedebtlevels,andthatprocesswillfurthersuppressgrowth.Evenwithausterity（節(jié)衣縮食）measuresinplace,thereisnoguaranteethatdebtcrisescanbeaverted.Text（5）Greece‘seconomyissoseverelymessedup（弄亂、弄糟）thatmostanalystsexpectthatthecountrywillstillrequireadebtrestructuringdowntheroad.Text（6）Thecrisishasalsoshedlighton（使...清楚地顯出）flaws（缺點(diǎn)、瑕疵）,deepintheverystructureoftheeurozone.Thefactthatfiscalirresponsibilityinahandfulofmembersnearlybroughttheentireprojecttoitsknees（頷首屈膝）hasshowntheneedforeconomicpolicingofmemberstates.There'stalkofsomethinglikean"economicgovernment"tocoordinateindividualcountries'budgets.Text（6）Inmid-May,theEuropeanCommission,theE.U.'sexecutivebody,proposedanadvance-reviewprocessforbudgets.ButfewofEurope'sgovernmentsarelikelytobekeenonhandingovermoresovereigntytothebureaucratsinBrussels.Text（7）Morefundamentally,theeurozonehastoaddressthegreatdisparitiesincompetitivenessamongmembereconomies,whichrangefromeconomicpowerhouseslikeGermanyandFrancetobasketcases（經(jīng)濟(jì)癱瘓）likeGreece.Text（7）Thatwillentail（需要，帶來）difficultstructuralreformsincountrieslikeSpain,wherelaborlawshavelongfeatherbedded（任閑職）olderworkerswhileleavingahostof（許多，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當(dāng)前可為你的錢財(cái)所做的十件事From:TimeNov.7,2008byDANKADLEC

ProtectingYourFinancialFutureIntroductionSignsthatthecreditcrunch（信貸危機(jī)）isfinallyeasinghaveemergedthisweekasbigbanksarelendingtooneanotheragain.That’sgood.Butit’shardlyanall-clearshout（解除危險(xiǎn)的信號(hào)）.There’snotellingifthebudding（正發(fā)芽的；初露頭角的）recoveryincreditmarketswillstick,andatthispointarecessionappearsallbut（幾乎、差不多）certain.Soit’snottoolatetotakedefensiveaction.Hereare10thingstodorightnowtoprotectyourfinancialfuture.1.大量現(xiàn)金儲(chǔ)蓄HoldMoreCash1.HoldMoreCash一般情況下，當(dāng)市場經(jīng)濟(jì)失去控制，現(xiàn)金會(huì)居于主導(dǎo)地位。有效地存款方式或者貨幣市場基金可以幫助儲(chǔ)戶安全度過蕭條期，而不至于低價(jià)變賣家產(chǎn)。當(dāng)出現(xiàn)物價(jià)下降的情況時(shí)，存款可以使你處在有利的投資位置上，而且這種情況會(huì)比你想象中出現(xiàn)的快。Asalways,whenthingsgetnutty（堅(jiān)果的；古怪的、發(fā)瘋的）inthemarketscashisking.Ahealthycushion（墊子、坐墊；[俚]積貯、存款）inbankCDs（CertificatesofDeposit）ormoneymarketfundswillletyourideout（安然渡過、經(jīng)受得?。﹖heslumpwithouthavingtosellsassetsatfire-sale（減價(jià)出售）prices.Acushionwillalsoputyouinpositiontoinvestwhenthedownturn’sbottomisinsight—andthatcouldcomesoonerthanyouexpect.1.HoldMoreCash馬克海恩是辛辛那提投資顧問公司的財(cái)政策劃人，他說當(dāng)政府為了彌補(bǔ)經(jīng)濟(jì)危機(jī)造成的損失而采取特殊政策時(shí)，股票價(jià)格會(huì)呈走高趨勢，就像私人銀行中的分紅。這種趨勢已經(jīng)出現(xiàn)在美國和其它國家。MarkHenn,afinancialplanneratHarvestAdvisorsinCincinnati（辛辛那提）,saysthatstocksusuallygetaliftwhenthegovernmenttakesextraordinarystepstofixacrisis—liketakingownershipstakes（份額、獎(jiǎng)品）inprivatebanks.That’sbeingdonenowintheU.S.andothercountries.1.HoldMoreCash他承認(rèn)這并不令人感覺舒服，但是當(dāng)物價(jià)下降時(shí)購買力會(huì)增強(qiáng)。？？？“Itdoesn’tfeelcomfortable,”heconcedes（承認(rèn)）.“Butnow’sthetimetobuywhilethingsareonsale.”Treadslowlyifyoudojumpbackin,though,andbeforeyougobargainhunting（買便宜貨）firstbuildyourcashpositiontoatleastayear’sworthoflivingexpenses,longerifyouareretired.2.FindSomethingtoCut2.FindSomethingtoCut減少開支是建立現(xiàn)金安全網(wǎng)的最有效方式。在家庭中，你可以輕松地省去很多項(xiàng)開支，例如，干洗費(fèi)，外出就餐開支和家政服務(wù)開支。也許你還可以因?yàn)楦嗟年P(guān)注為財(cái)政服務(wù)所付的費(fèi)用而節(jié)省的更多。改變?yōu)榈唾M(fèi)用的股票基金指數(shù)。Eliminatingexpensesisthesurestroutetobuildingacashsafetynet.Therearemanycostsyoucaneasilyhack（劈、砍）awayatyourhome—drycleaningbills,dinnersout（外出就餐、出去吃飯）,domestichelp（家政助理、女傭人）.Yetyoumaybeabletosaveevenmore,andpainlessly（沒有痛苦地）,bypayingcloserattentiontothefeesyoupayforfinancialservices.Switchtoalow-feestockindexfund.2.FindSomethingtoCut確保你在核對賬目時(shí)有透支保護(hù)，而不至于在你使用另一個(gè)銀行的自動(dòng)取款機(jī)時(shí)費(fèi)用會(huì)上升。再評價(jià)你的安全保險(xiǎn)需要。如果你已經(jīng)戒煙或減輕體重可以相當(dāng)于在另一個(gè)保險(xiǎn)單上有意義的折扣。如果你已償還清抵押所借的款項(xiàng)或者孩子們已經(jīng)獨(dú)立生活，你就可以減小你的保險(xiǎn)責(zé)任范圍。每個(gè)月的結(jié)余總計(jì)達(dá)數(shù)百美元。Makesureyou’vegotoverdraftprotection（透支保護(hù)）onyourcheckingaccountandaren’tneedlesslyringingupfeesbyusinganotherbank’sATMs.Reassessyourlifeinsuranceneeds.Ifyou’vequitsmokingorlostalotofweightyoumaybeeligibleforameaningfuldiscountonanotherpolicy（保險(xiǎn)單）,andifyou’vepaidoffthemortgageorthekidshavelefthomeyoumaybeabletoreduceyourcoverage（保險(xiǎn)責(zé)任范圍）.Thesavingscouldadduptohundredsofdollarsamonth.3.PayDownDebt3.PayDownDebt這看起來似乎是一項(xiàng)無法抵抗的任務(wù)，所以每一次要集中在一項(xiàng)上完成。首先從用最小的平衡來償還你的信用卡開始。一旦你償還清你所欠的賬務(wù)，你就會(huì)感覺很輕松。接著用最高的利率來選擇信用卡，根據(jù)不同的利率來選擇不同的消費(fèi)貸款。你會(huì)從哪得到錢呢？如果你加薪了，你可以還車貸，或者還學(xué)生貸款，或者可以從一些常規(guī)的花銷中解脫，這些并沒有什么區(qū)別，這都取決于貸款的減少。Itmayseemlikeanoverwhelmingtask,sodoitbyfocusingononepieceatatime.Startbypayingoffyourcreditcardwiththesmallestbalance.You’llfeelempoweredonceyou’vecleanedthatslate.Thenmovetothecardwiththehighestinterestrate,andthenontoconsumerloanswithvariablerates.Wherewillyougetthemoney?Ifyougetaraise,orpayoffacarorstudentloanorbecomefreefromsomeotherregularexpensedon’tspendthedifference—dedicateittodebtreduction.4.MakeSureYourMoney

isSafe4.MakeSureYourMoney

isSafe近來，聯(lián)邦政府增加了社會(huì)團(tuán)體中每個(gè)成員的儲(chǔ)蓄金額，保證從十萬美元提高到二十五萬美元。但是這已經(jīng)引起無限保障的討論。所以不必困惑。更重要的是，這是在擔(dān)保額中最基礎(chǔ)的加薪，可能只會(huì)持續(xù)到2009年的年底。所以如果你想在一個(gè)單一的團(tuán)體中合并儲(chǔ)蓄，在一年多的時(shí)間里你可能會(huì)改變這這個(gè)過程。Thefederalgovernmentrecentlyraisedtheamountofdepositsperpersonperinstitutionthatitwillguaranteeto$250,000from$100,000.Butithadbeendiscussingalimitlessguarantee.Sodon’tbeconfused.Moreimportant,thisisatemporarybump（碰撞；腫塊；增加、加薪）incoverage（擔(dān)保額）thatmaylastonlythroughtheendof2009.Soifyouconsolidatedepositsinasingleinstitutionyoumayhavetoreversetheprocessinlittlemorethanayear.4.MakeSureYourMoney

isSafe為了保持事情的簡單化就得遵循原有的規(guī)定，在任何一個(gè)社會(huì)團(tuán)體中應(yīng)該保持不多于10萬美元的額度，至少應(yīng)該清楚更高的限制保持長久。政府保證考慮到經(jīng)紀(jì)人賬戶的安全問題，不會(huì)有任何改變Tokeepthingssimplejustplaybytheoldrules—keepnomorethan$100,000inanyoneinstitution,atleastuntilitbecomesclearthatthehigherlimitwillbemadepermanent.Therehavebeennochangestogovernmentguaranteesregardingsecuritiesheldinabrokerageaccount（經(jīng)濟(jì)人賬戶）.4.MakeSureYourMoney

isSafe每個(gè)人現(xiàn)金儲(chǔ)蓄的額度為10萬美元，而像股票和基金的額度則可高達(dá)50萬美元。注意：政府并沒有保證反對投資的流失，你所擁有的安全會(huì)在現(xiàn)行的市場價(jià)格中返還給你自身。Thelimitis$100,000ofcoverageoncashdepositsandupto$500,000onothersecuritieslikestocksandbonds.Note:thegovernmentdoesnotguaranteeagainstinvestmentlosses;onlythatthesecuritiesyouownwillbereturnedtoyouatprevailingmarketpricesshouldyourbrokerfail.5.國際多樣化DiversifyInternationally5.DiversifyInternationally你應(yīng)該讓你的結(jié)余一直保持增長，將一些現(xiàn)金轉(zhuǎn)入短期的安全儲(chǔ)蓄。現(xiàn)在持有一些海外的股票和基金比原來更加重要。如果經(jīng)濟(jì)危機(jī)加深，那么政府的開支會(huì)變的異常龐大，以至于美元貶值，利率上升。海外股票持有者也將不會(huì)避免其損失，但是至少他們會(huì)給予一個(gè)緩沖。Youshouldalwayshaveyoursavingsspreadamonglarge,mediumandsmallstocks,bonds,andhavesomecashstowed（裝載、裝進(jìn)）inasafeshort-termsecurity.Nowit’smoreimportantthanevertoholdsomeforeignstocksandbondsaswell.Ifthecrisisdeepens,thecostscouldprovesostaggering（驚人的、巨大的、龐大的）tothegovernmentthatthedollarwillplungeandinterestrateswillrise.Foreignholdingswon’tbeimmunetothefallout,butthey’llatleastofferabuffer（減輕、緩沖）.6.對抵押所借款項(xiàng)再提供資金RefinanceYourMortgage6.RefinanceYourMortgage不管相信與否，在近幾周以來，長期的利率一直攀升，使得抵押所借的款項(xiàng)有所增長。但是，隨著政府注入大量的資金，長期的利率可能會(huì)繼續(xù)攀升。基金交易者擔(dān)心美元的主導(dǎo)地位會(huì)被削弱，產(chǎn)生通貨膨脹。Believeitornot,long-terminterestrateshaveactuallybeenclimbinginrecentweeks,makingmortgagesmoreexpensive.That’sodd（奇怪的、古怪的）giventhelikelyrecessionahead.Butlong-termratescouldcontinuetoclimbasthegovernmentpumpsmoneyintotheeconomyandbondtradersworryaboutaweakerdollarandinflationalittlefurtherdowntheroad.6.RefinanceYourMortgage如果你負(fù)擔(dān)著一個(gè)利率不穩(wěn)定的抵押所借款項(xiàng)，利率在一兩年內(nèi)忽升忽降，你最好不要禁錮在一個(gè)三十年的固定利率中，甚至它高于你現(xiàn)在所付的利率。Ifyousaddled（馬鞍、負(fù)擔(dān)）withavariable-ratemortgagewheretherateissettojumpinayearortwoyoumaybebetterofflockingina30-yearratetoday,evenifit’shigherthantherateyouarecurrentlypaying.7.避免恐慌Don'tPanic7.Don'tPanic世界末日曾經(jīng)來臨過一次。我確信并不是這樣。這就意味著股票基金、真實(shí)的財(cái)產(chǎn)、工作和商業(yè)活動(dòng)都會(huì)逐漸的回彈。和多年前瘋狂購買抵押所借款項(xiàng)的股票相比，現(xiàn)在變賣資產(chǎn)是一個(gè)錯(cuò)誤的決定。Theendoftheworldonlycomesonce.I’mprettycertainthisisn’tit.Thatmeansthatstocksandbondsandrealestateandjobsandbusinessactivitywillallbouncebackeventually.Sellingassetsnowmightprovetobeanevenworsedecisionthanbuyingbankstocksattheheightofmortgagemania（狂熱、著迷）acoupleyearsago.7.Don'tPanic評價(jià)你能承受多少風(fēng)險(xiǎn)，可以從股票經(jīng)常性下跌百分之十或規(guī)律性下降百分之二十或偶然下降高于百分之三十看出。在長期的過程中，你的風(fēng)險(xiǎn)意識(shí)會(huì)增強(qiáng)。如果你不能短期內(nèi)運(yùn)轉(zhuǎn)你在市場中的份額，你就應(yīng)該設(shè)立一個(gè)財(cái)產(chǎn)分配：百分之六十的股票，百分之三十的基金，百分之十的現(xiàn)金，這種分配方式是相當(dāng)保守的。Reassesshowmuchriskyouarecomfortablewith,recognizingthatstocksgodown10%often,20%withsomeregularityandmorethan30%occasionally.

Yettheyhavealwaysgonehigherinthelongrun.Ifyoujustcan’ttakethenear-termgyrations（rotation回轉(zhuǎn)、回旋）youhavetoomuchinthemarketandshouldsettleonanassetallocationyoucanlivewith—60%stocks,30%bonds,10%cashisfairlyconservative.7.Don'tPanic為了避免出現(xiàn)更大的錯(cuò)誤，每六個(gè)月就要重新整合投資。即賣出上漲和買入下跌的基金，現(xiàn)金及股票來保證分配目標(biāo)。當(dāng)價(jià)格低迷時(shí)，是執(zhí)行定期定額策略的好時(shí)機(jī)——每月或每季度定期把大量的資金投入到預(yù)期的股票基金中。Toavoidmakinganybigmistakes,rebalanceyourportfolio（投資組合）everysixmonths—sellingwhathasrisenandbuyingwhathasfallentokeepyourbondsandcashandstockexposureatyourtargetallocation.Withpricesdepressed,thisisagoodtimetostartadollar-cost-averaging（平均成本法；定期定額）strategy—investingasetamountofmoneyintoapredeterminedstockfundeverymonthoreveryquarter.8.檢查你的信用卡匯率CheckYourCreditCardRate8.CheckYourCreditCardRate近年來，信用卡公司可以很容易的提高你的利率，即使你僅錯(cuò)過一次償還的機(jī)會(huì)。這樣的話，你就要給信用卡公司打電話并核對你的費(fèi)用，你也可以反復(fù)的要求他們把你當(dāng)前的費(fèi)用轉(zhuǎn)換到更優(yōu)惠的利率范圍。但這樣的請求并不總是奏效，而信用卡公司又不想失去和你的業(yè)務(wù)往來，尤其是你有一個(gè)良好的信用紀(jì)錄。如果你僅錯(cuò)過一次按期付款的機(jī)會(huì)，你就不會(huì)有太大的麻煩。Inrecentyearsithasbecomemucheasierforcardcompanies（信用卡公司）toquietlyraiseyourinterestrateifyoumissevenasinglepayment.Callthemandfindoutyourrate,andifyou’vebeendinged（鳴鐘；反復(fù)說）askthemtoreverttothemorefavorableratethatyoubeganwith.Itdoesn’talwayswork,butcardcompaniesdon’twanttoloseyourbusiness,especiallyifyouhavearecordofpaying.Ifyoumissedjustonepaymentyoushouldhavenotrouble.9.檢查你最近銀行和經(jīng)紀(jì)人業(yè)務(wù)記錄的準(zhǔn)確性CheckYourMostRecentBankandBrokerageStatementforAccuracy9.檢查你最近銀行和經(jīng)紀(jì)人業(yè)務(wù)記錄的準(zhǔn)確性CheckYourMostRecentBankandBrokerageStatementforAccuracy

隨著金融服務(wù)行業(yè)合并和收購的步伐加快使得薄弱機(jī)構(gòu)進(jìn)入到強(qiáng)者的行列。鑒于過去一個(gè)月的動(dòng)蕩-盡管你謝天謝地祈求遠(yuǎn)離這種可能-你的發(fā)言可能包含一個(gè)錯(cuò)誤。如果你不及時(shí)糾正，你的機(jī)構(gòu)就會(huì)被接管，你將要在一個(gè)漫長和艱難的情況下通過新聞界給股東退錢。Thepaceofmergersandtakeoversinthefinancialservicesindustryhasquickenedasweakinstitutionsfallintothearmsofstrongerones.Giventheupheaval（大動(dòng)蕩、大變動(dòng)）ofthepastmonthit’spossible—though,thankfully,farfromlikely—thatyourstatementmaycontainanerror.Ifyoudonotcorrectitpromptlyandyourinstitutionistakenoveryouwill,atbest,havealonganddifficultcasetopresstogetyourmoneyback.10.貸方BeaLender10.貸方BeaLender如果由于某種原因，你會(huì)發(fā)現(xiàn)自己錢充裕，而周圍的人卻資本匱乏，你可以憑借優(yōu)勢采取延長貸款給朋友，家人甚至是第三方。銀行是吝嗇的，通過維珍金融公司和信貸俱樂部為你開創(chuàng)了全新的點(diǎn)對點(diǎn)貸款市場。Ifforsomereasonyoufindyourselfflush（沖刷；臉紅；錢充裕）whileeveryonearoundyouisstarvedforcapital,takeadvantagebyextendingaloantoafriend,familymemberorevenathird-party.Banksarebeingstingy（小氣的、吝嗇的）,whichcreatesopportunityforyouinthefairlynewP2P(peer-to-peer)loanmarket（對等貸款市場、點(diǎn)對點(diǎn)貸款市場）pioneered（開發(fā)、始創(chuàng)）byVirginMoney（維珍金融公司）andLendingClub.10.貸方BeaLender

這些通常是家庭成員的車輛延長完整記錄和抵押貸款的優(yōu)惠稅率計(jì)征。但如果在一段時(shí)間內(nèi)你認(rèn)為股票是死錢，且不看好貨幣市場基金收益率，你可以透過這個(gè)金融市場的新領(lǐng)域放出更有優(yōu)勢的利率貸款。Theseareoftenvehiclesforextendingfamilymembersfullydocumented（備有證明文件的）andcollateralized（抵押）loansatafavorablerate.Butifyouthinkstocksaredeadmoneyforawhileanddon’tlikethelooksofpaltry（微不足道的、不重要的）moneymarketfundyields,youmaybeabletodobetterofferingamarket-rateloanthroughthisnewfrontieroffinance.Explanation（1）定期定額（DollarCostAveraging）策略要求投資者每月買固定金額的股票或者基金，而不管股票或者基金的價(jià)格如何。很多人都有亂花錢的習(xí)慣，特別是年輕人。如果你采用定期定額投資策略，就有強(qiáng)制儲(chǔ)蓄的功能。在每月發(fā)工資后，你做的第一件事，就是為自己的將來“儲(chǔ)蓄”，不然，錢可能不知不覺就花掉了。Explanation（2）LendingClub是另一個(gè)私人借貸服務(wù)的社會(huì)化網(wǎng)絡(luò)應(yīng)用，與FYGO、Prosper、Wonga類似，沒有銀行這一類大型機(jī)構(gòu)的介入，完全基于網(wǎng)站內(nèi)的信用體系，在用戶之間進(jìn)行私人借貸，并且大部分的交易其利息都要遠(yuǎn)低于銀行所能提供的貸款利息。從今年上半年的同類網(wǎng)站發(fā)展與動(dòng)態(tài)來看，這一類的網(wǎng)站大有發(fā)展前景。Text5FeelingtheSqueeze?感覺到你的收入縮水了嗎？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（抽水機(jī)、打氣筒，這里指加油站）.Washingtonisworried,becauseinflationcansnowballwhenfearofrisingpricesgetseveryonebehavinginawaythatpushespricesyethigher.Leftuntreated,itcanchokeoff（悶死、勒死）economicgrowth.Text（2）TheFederalReserve（美國聯(lián)邦儲(chǔ)備，中央銀行）,whichmayhavestartedthatballrollingwhenitpumpedmarket-savingliquidityintotheeconomyearlierthisyear,nowisexpectedtobeginraisinginterestratessoontotampdown

（pressdowntightly搗實(shí)、夯實(shí)）thatfeverish（發(fā)燒的；興奮的、狂熱的）feeling.Text（3）Soitcouldgetworsebeforeitgetsbetter,aspolicymakerstrytosqueezethoseinflat