新潮实用英语第二册 Unit four原文对照翻译.docx

新潮实用英语第二册 Unit four原文对照翻译Text A Finance Is for Everyone 1 If youre considering an investment to support your future, youre thinking in terms of finance. Maybe its on our minds 24/7. After all, we need money to survive, and most of our lives is spent on making it. Not just stockbrokers or bankers or investors. 如果你在考虑为未来投资，你就是在从理财的角度思考问题。理财意识可能每时每刻都占据着我们的头脑。毕竟，我们生存需要金钱，我们人生的大部分都用在挣钱上, 不仅仅只是股票经纪人、银行家或投资人。 2 The thing is, finance is really for everyone. If youve got money, then you have to involve your brain in the act of finance or money managing to get the most bang for your buck. Otherwise, you will wonder where in the world the money went. 事实上，理财确实适用于每一个人。如果你有了钱，那么你必须得考虑理财或金钱管理来使你的钱财增值。否则你会对这些金钱究竟何去何从了感到茫然。 3 The best time to start learning about finance is the time you start to receive money. Think about it. When you received a check in the mail from your grandma as your birthday present, werent you already thinking of what you were going to spend it all on? 开始学习理财的最佳时间是你开始收到钱的时候。试想，当你从邮件里收到奶奶给你的作为生日礼物的支票时，你不是已经在想如何把这笔钱全部花掉吗？ 4 That is the essence of finance, although that very act may have been insensible and financially disagreeable; hey, you were just a kid, after all. Maybe you were a smart kid, one who knew how money goes. Maybe youve hid it in your secret place. Maybe you started to go into business by selling lemonade (although maybe you drank more than half of it too). Maybe you gave some away to your favorite charity. Yup, that was finance too. We all know better now, dont we? 那就是理财的本质，虽然那种行为可能是无意识的，从理财角度看也并非恰当。嗨，你毕竟只是个孩子。也许你是个聪明的孩子，一个对金钱有所了解的孩子。也许你把这笔钱藏在一个秘密的地方。也许你开始卖柠檬汁做生意（虽然你也可能把一多半柠檬汁都喝了）。也许你把一部分钱捐给了你最喜爱的慈善事业。是的，那也都是理财。现在我们都知道得更多，不是吗？ 5 It hasnt changed much; we go out to make money, we spend some, we save some, until we have enough to make a couple of major purchases such as homes or vacations. Only we know a bit more. And weve understood more of the finance jargon that sometimes rolls on the tongue. 一切并没有太多改变。我们出去挣钱，花一些，存一些，直到我们攒了足够的钱可以消费大件商品，比如房屋或度假。唯一的差别是我们知道得更多了，我们知道了更多绕舌的理财术语。 6 Investments. Assets. Loans. Benefits. Mortgage. Insurance. Knowledge is power, as they say, and knowledge on how to finance will lead you to finance greater amounts of money in the future. So study up. Take finance management classes. Follow the stock market. Listen in on discussions. 投资、资产、贷款、利润、抵押、保险。正如人们所言，知识就是力量，如何理财的知识会引领你在将来管理更多的钱财，为此开始用功学习吧。参加理财课程。追随证券市场。收听理财讨论。 7 Finance also includes self-discipline. Sometimes you have to keep yourself from small pleasures in order to gain the bigger more important things. Finance means that you need to set your priorities straight. Sacrifice may seem like a lot at the moment but the end will justify the means. 理财也包括自律。有时你必须克制微小的喜悦以便获取更大更重要的东西。理财意味着你要调整优先考虑的项目。也许在当时看来损失很多，但最终事实会证明决策的正确。 8 Finance is planning ahead, for your future, for your futures future, for your financial safety and stability. Because it is a very difficult thing to get by in this world without the proper resources. It is preparation for the unknown. Managing your finances means decreasing the number of worry lines on your face. 理财就是事先计划, 为了你的将来，为了你将来的将来，为了你资产的安全和稳定。因为没有相当的资源在如今这个世界上生活是非常艰难的。这是未雨绸缪。理财意味着减少你脸上的皱纹。 9 So if youve got money, if youre planning to make money, or if youre thinking about money, well then, youre thinking about finance. Just keep in mind not just to think about finance, but to think about it wisely, too. 因此如果你有了钱，如果你正计划着挣钱，或你正想着钱，那么你就在考虑理财。记住不仅仅要考虑理财，更要富有智慧地去考虑理财。 Text BInvesting Mistakes to Avoid 1 Contrary to popular belief, you dont have to allow banks, bosses or investment professionals to push your money in directions that you dont understand. Whether you are starting out or retirement is around the corner, learn how to ensure you will have the money you need. 与通常的理念不同，你不必让银行、老板或投资专家把你的钱投在你不熟悉的领域里。无论你是刚刚起步或即将退休，开始学习如何确保你会拥有你所需的钱财吧。 2 Before plunging into the market, the wise investor must engage in some truthful self-examination with regard to a few fundamental questions, such as can I afford to lose this money completely. There is no guarantee that you will make money from investments you make. But if you get the facts about saving and investing and follow through with an intelligent plan, you should be able to gain financial security over the years and enjoy the benefits of managing your money. 在投入市场前，明智的投资者一定要就一些基本问题进行真实的自我测试。比如我能否承受完全失去这些钱。没人能保证你会从投资中获利。但如果你掌握了储蓄和投资的知识并按照明智的计划进行下去，你会得到长期的资产安全并享受到理财的得益。 3 Its up to you to read about and learn about investing if youre going to manage your own money. When you invest, youre trying to increase your income, build the value of your assets, or both and keep your money safe. 如果你打算自己管理钱财，如何阅读、学习投资知识全由你自己定夺。当投资时，你试图使收入增加，以提高资产的价值，并且还要使钱财安全。 4 To accomplish all of this you also need to learn the mistakes to avoid. Here are four that you should be aware of. 为了达到以上目标你还需要学习如何避免错误。这里是四条你要注意避免的错误。 5 Spreading your investments too thin. Like everything in life, diversification can be taken too far in fact. Many people are doing more damage than good in their effort to diversify. Pick a few good investments and follow them. 投资面太广。就如生活中的万物，事实上多样化也有可能被强调过了头。许多人投资时尽可能多样化以致过犹不及。挑选一些好的投资产品, 坚持投资。 6 Not accounting for time. The type of asset in which you invest should be chosen based upon your time frame. Regardless of your age, if you have capital that you will need in a short period of time do not use this money for your investment account. Use only money that you can stand to lose. 没有考虑时间限度。你所投资资产类型选择应基于你的投资时间框架。无论你的年龄如何，如果是你短期内需要用的资本，你不应用来投资，只用那些你能承受损失的钱投资。 7 Frequent trading. Buying and selling every few days or even weeks can cost you and cut into your investment fund broker fees and you can make mistakes when you do this. I can name ten investors on the Forbes list, but not one person who made their fortune from frequent trading. When you invest, your fortune is tied to the fortune of the company. You are a part-owner of a business; as the company develops, so do you. Hence, daily quotations are of no interest to him because he has no desire to sell. Over time, his intelligent decision will pay off handsomely as the value of his shares appreciates. 频繁交易。每隔几天甚至几周频繁进行买卖需支付经纪人交易费, 减少了你的投资收益,在交易过程中你也可能犯错误。我能说出福布斯排行榜上十位投资者的名字,但他们没有人是通过频繁交易获得财富的。你投资时,你的财富与公司的财富相关联。你是公司的所有者之一,随着公司兴旺,你也兴旺。因此,他对每日的股价并不感兴趣,因为他并不想出售股票。日久天长,随着他股票的增值,他明智的决定会有可观的收获。 8 Fear based decisions. The biggest mistakes are usually fear based. Many