新概念第四册课文翻译及学习笔记：Lesson48

新概念第四册课文翻译及学习笔记： Lesson48【课文】Firstlistenandthenanswerthefollowingquestion.听录音，然后回答以下问题。Howdoestheolderinvestordifferinhisapproachtoinvestmentfromtheyoungerinvestor?Thereisnoshortageoftipstersaroundoffering'get-rich-quick'opportunities.Butifyouareaseriousprivateinvestor,leavetheLasVegasmentalitytothosewithmoneytofritter.Theseriousinvestorneedsaproper'portfolio'--awell-plannedselectionofinvestments,withadefinitestructureandaclearaim.Butexactlyhowdoesanewcomertothestockmarketgoaboutachievingthat?Well,ifyougotofivereputablestockbrokersandaskthemwhatyoushoulddowithyourmoney,you'relikelytogetfivedifferentanswers,--evenifyougivealltherelevantinformationaboutyourage,family,financesandwhatyouwantfromyourinvestments.Moral?Thereisnoone'right'waytostructureaportfolio.However,thereareundoubtedlysomewrongways,andyoucanbesurethatnoneofourfiveadviserswouldhavesuggestedsinkingall(orperhapsany)ofyourmoneyintoPeriwigs*.Sowhatshouldyoudo?We'llassumethatyouhavesortedoutthebasics--likemortgages,pensions,insuranceandaccesstosufficientcashreserves.Youshouldthenestablishyourownindividualaims.Thesearepartlyamatterofpersonalcircumstances,partlyamatterofpsychology.Forinstance,ifyouareolderyouhavelesstimetorecoverfromanymajorlosses,andyoumaywellwishtoboostyourpensionincome.Sopreservingyourcapitalandgeneratingextraincomeareyourmainpriorities.Inthiscase,you'dprobablyconstructaportfoliowithsomeshares(butnothighriskones),alongwithgilts,cashdeposits,andperhapsconvertiblesortheincomesharesofsplitcapitalinvestmenttrusts.Ifyouareyounger,andinasolidfinancialposition,youmaydecidetotakeanaggressiveapproach--butonlyifyou'reblessedwithasanguinedispositionandwon'tsuffersleeplessnightsovershareprices.Ifyourecognizeyourselfinthisdescription,youmightincludeacoupleofheadygrowthstocksinyourportfolio,alongsideyourmorepedestrianinvestments.Onceyouhavedecidedonyourinvestmentaims,youcanthendecidewheretoputyourmoney.Thegoldenrulehereisspreadyourrisk--ifyouputallofyourmoneyintoPeriwigsInternational,you'resettingyourselfupasahostagetofortune.*'Periwigs'isthenameofafictitiouscompany.INVESTOR'SCHRONICLE,March231990【Newwordsandexpressions生词和短语】portfolion.投资组合tipstern.(以提供证券投机等内部消息为主的)情报贩子LasVegasn.拉斯韦加斯fritterv.挥霍，浪费reputablen.享有声望的brokern.经纪人financen.资金，财源mortgagen.抵押贷款pensionn.养老金priorityn.优先权giltn.金边证券(高度可靠的证券)convertiblen.可换证券sanguineadj.乐观的headyadj.令人陶醉的alongsideprep.在旁边，和一起pedestrianadj.平淡无奇的，乏味的【课文注释】1.get-rich-quick迅速发财致富2.fritterv.挥霍，浪费fritterawayv.浪费(时间等)3.goabout从事，做例句：Shewentaboutherworkquiteascheerlesslyasusual.她和往常一样十分郁闷地着手做她的事。Despitethethreatofwar,peoplegoabouttheirworkasusual.尽管战争一触即发，人们仍像平时一样工作。Couldyoupleaseinformmehowtogoaboutcontactingalawyer?请您告诉我怎样去联络律师?4.Periwigs*是一个假想中公司的名字5.sortoutthebasicssortout①整理例句：Shespentawholeafternoonsortingoutherstamps.她花了整整一个下午整理邮票。Theysortedoutthedataandcardedthem.他们将资料加以整理并编制成卡片。②选出例句：Sortoutthingsyouwanttokeepandthroweverythingelseaway.把你要保存的东西拣选出来，其余的扔掉。③解决例句：Letusleavethatcoupletosortthemselvesout.我们让那一对夫妇自己解决他们之间的问题吧。④惩罚例句：Ifyoudon'tstopthatnoise,I'llcomeinandsortyouout.如果你们还在那里吵吵闹闹，我就进来惩罚你们。 ⑤分类 例句：Theysortoutitemsthatcanberecycled.他们分类出可以回收的垃圾.6.thebasics这里指基本情况、基本要素7.cashreserves现金储备8.boostv.①提高例句：Thisnewtechniquewillboostfoodproduction.这种新工艺将会提高食品产量。②增加例句：Thepublicationofthisbookboostmyconfidence.这本书的出版增强了我的信心。③鼓励例句：Thechangeofmanagementhasboostedmoralethroughoutthecompany.管理层的变更使整个公司士气大振。④举起例句：BoostmeupthetreeandI'llgettheapple.把我托上树,我就能摘到那只苹果了。⑤为...做宣传例句：Theylaunchedacampaigntoboostnewfashions.他们发起了一项推销新式时装的广告运动。9.theincomesharesofsplitcapitalinvestmenttrusts分割资本投资信托公司的所得股splitcapitalinvestmenttrusts分割资本投资信托公司10.sanguineadj.乐观的例句：Heisnotverysanguineaboutourchancesofsuccess.他对我们成功的机会不太乐观。Wearesanguinethatweshallbesucceeding.我们自信会成功。11.Ifyourecognizeyourselfinthisdescription如果你觉得你的情况是这样的话。12.pedestrianadj.①徒步的例句：Weenjoyallpedestrianactivities.我们喜欢所有的步行活动。Theyoughttostopatthepedestriancrossing.他们该停在人行横道上。②缺乏想像的例句：Hewasratherapedestrianstudent.他原是个相当平常的学生。Wepresentthisapproachinapedestrianversion.我们用平铺直叙的方式介绍这个方法。 n. 行人 【参考译文】 我们周围不乏情报贩子，向人们提供迅速发财致富的机遇。但是，如果你是一个认真的私人投资者，就把拉斯韦加斯的心态留给那些有钱可供挥霍的人。认真的投资者需要一份正规的投资组合表-- 一种计划很周密的投资选择，包括你的投资结构和明确的目标。但是一个股票市场的新手又如何能做到这一点呢 ? 如果你去向5位有威望的股票经纪人咨询，询问你应该如何使用你的资金，你可能得到 5种不同的答复，

,即便你提供了有关于你的年龄、家庭、财源和你想从投资中获得好处的信息。这是个道德问题吗?没有一种完全“正确”的方法来排列这种投资组合，然而，却毫无疑问地有几种错误的方法。可以相信5位经纪人中不会有人建议你把全部(或一部份)资金投入佩里威格斯公司。那么你该怎么做呢?我们假定你已把基本情况弄清楚了，如抵押贷款、养老金、保险金和动用现金储备的机会。然后，你一定要建立起自己的目标。这里一方面是个所处的环境，另一方面是个心理学的问题。比如说，如果你年纪较大，你从重大投资损失中恢复过来的时间就较少，你就很希望能够提高你的养老金收入。因此，你的首要任务就是保护你的资金和引发额外的收入。在这种情况下，你大概想制定一份