正文翻譯

How do I manage it if I want to learn singing, but I don't have money? The economic condition is very bad, and I don’t have a job. How do I deal with this situation?

如果我想學(xué)唱歌，但又沒有錢，我該怎么辦?經(jīng)濟形勢非常糟糕，我沒有工作。我該如何處理這種情況?

評論翻譯

Jay Bazzinotti
What are top advices about how to manage money?
1) Avoid easy credit and use it as infrequently as possible. Have only ONE credit card and pay it off in full WITHOUT FAIL every single month no matter how much you have to sacrifice to do it. Credit card debt is insidious and one of the easiest things to get into and one of the hardest to get out of. Avoid it as much as possible.
2) Make a budget and know where your money goes every month. Make sure your income covers your bills. Your mortgage is your most important bill. It must be paid beffore everything else. Your house is your most important asset. Never risk your house.

關(guān)于如何理財，最好的建議是什么?
避免輕易使用信用卡，盡量少用。只有一張信用卡，無論你為此付出多少代價，每個月都要還清。信用卡債務(wù)是陰險的，是最容易陷入的事情之一，也是最難擺脫的事情之一，盡量避免。
做一個預(yù)算，知道每個月你的錢都花到哪里去了。確保你的收入能支付你的賬單。你的抵押貸款是你最重要的賬單，必須先還這筆錢。你的房子是你最重要的資產(chǎn)，永遠不要拿你的房子冒險。

3) Put money into some kind of retirement investment every single month. The earlier you do this in life the more it will pay off when you retire. Learn and understand the "Rule of 72" which tells you how long it takes your money to double at a particular interest rate. You divide the interest rate into 72 and the result is typically the number of years it takes your money to double. At 10 percent it takes 7.2 yearss to double your money. 100 dollars saved when you are 20 becomes 700 dollars when you are 69.
4) Avoid gambling.
5) The stock market is gambling. There are almost never any sure things, hot tips, guarantees. Just because a stock falls doesn''t mean it can''t go lower, including all the way to zero. If you want to invest in the stock market use Vanguard S&P 500 Index funds. Nothing has beaten them over 20 years. Use dollar cost averaging and put the same amount in every month regardless of whether the stock market goes up or down. Do it every month . It''s the best way to invest in the stock market.

每個月都把部分錢投入到某種退休投資中。你在生活中越早這樣做，你退休時，回報就越大。學(xué)習(xí)并理解“72法則”，它告訴你在特定利率下需要多長時間才能翻倍。用72除以利率利率，結(jié)果通常是你的錢翻倍所需的年數(shù)。在10%的情況下，你需要7.2年的時間才能把錢翻倍。20歲時存下的100美元在69歲時變成了700美元。
避免賭博。
股市就是賭博。幾乎從來沒有任何確定的事情，熱點提示和保證都不可靠。僅僅因為一只股票下跌并不意味著它不能走低，包括一路跌至零。如果你想投資股市，可以投資Vanguard標準普爾500指數(shù)基金。20多年來，沒有什么能打敗它們。使用美元成本平均法，無論股市是漲是跌，每個月都要投入相同的金額。每個月都要做。這是投資股票市場的最佳方式。

6) If you can, purchase some real estate. No matter what, even if the value falls, you still have the property. The number one factor about land is that it is indestructible. That is one of the definitions of land. Do your research and if you can, buy a HOME, not an "INVESTMENT" that you plan on selling to make money. If it does appreciate, you''ve made out. If it doesn''t you still have a place to live. Remember when it comes to real estate, location is key -- a mediocre or even a rather poor house in a great neighborhood is almost always bettter than a great house in a bad neighborhood.
7) If you MUST take college loans take the absolute minimum you need and never, ever use the money frivolously -- a 20 dollar pizza ends up costing 80 dollars over 30 years.
8) Save money for a rainy day. Some experts say that you should have six months salary in cash (such as a money market) for emergencies. At a minimum have some cash on standby in a money market or easy to access and liquidate account for emergencies. An emergency WILL happen sooner or later -- it''s the nature of life.

如果可以的話，買一些房產(chǎn)。不管怎樣，即使價值下跌，你仍然擁有房產(chǎn)。土地的首要因素是它堅不可摧。這就是土地的定義之一。做研究如果可以的話，買一個家，而不是一個計劃出售賺錢的“投資”。如果它真的升值了，那你就成功了。如果沒有升值，你還有地方住。記住，當(dāng)談到房地產(chǎn)時，位置是關(guān)鍵——在一個好的社區(qū)里，一棟平庸甚至相當(dāng)糟糕的房子幾乎總是比在一個糟糕的社區(qū)里的一棟好房子更好。
如果你必須借大學(xué)貸款，那么就借你需要的最低限度的貸款，永遠不要輕率地使用這筆錢——一個原本20美元的披薩在30年內(nèi)最終要付出80美元的代價。
存錢以備不時之需。一些專家說，你應(yīng)該存下六個月的工資現(xiàn)金（比如貨幣市場）以備不時之需。至少在貨幣市場上有一些現(xiàn)金備用，或者在緊急情況下可以方便地提取和清算的賬戶。緊急情況遲早會遇到——這是生活的本質(zhì)。

9) Start a college fund for your child as soon as he is born. Encourage cash contributions from relatives instead of gifts that will go unused or forgotten. Contribute to it even in small amounts at least once a month.
10) Break bad and expensive habits and put the money into savings. A pack a day cigarette habit costs you over 3500 in a year. In an S&P Index fund that 3500 dollars could be worth over 100,000 dollars by the time you retire. The same goes for booze.
11) Avoid any investment scheme you don''t understand or can''t be made to understand easily. Anyone who tries to sell you an "investment vehicle" and can''t explain how it works to a fifth grader is conning you.

孩子一出生，就為他設(shè)立一筆大學(xué)基金。鼓勵親屬給現(xiàn)金，而不是那些會被閑置或遺忘的禮物。即使是小額現(xiàn)金，每月至少存一次。
改掉壞的和花錢的習(xí)慣，把錢存起來。一天一包煙的習(xí)慣一年要花掉你3500多元。在標準普爾指數(shù)基金中，到你退休時，3500美元的價值可能超過10萬美元，酒也是如此。
避免任何你不理解或不容易理解的投資計劃。任何試圖向你推銷一種“投資工具”的人，卻不能向一個五年級學(xué)生解釋它是如何運作的，那他就是在欺騙你。

12) Never buy a new car. Always buy a used car. New cars are almost never worth the money. All vehicles are depreciating assets including boats, campers, cars, trucks, motorcyles and so on. It takes a great deal of investment and work to even break even on a "classic" or "antique" automobile.
13) The older you get after the age of 35 you should be investing more money in US bond funds. They NEVER lose value. It''s easy to invest online using I bonds from U.S. Department of the Treasury. Open and account and put the minimum in. Some experts say that you should increase the percentage of money you save in bonds one percentage point every year until you retire. Many older people were destroyed when their 401Ks crashed in 2008. That didn''t happen to bonds.
14) Many people will talk about the chipping away of earnings through taxes and inflation. You can minimize this by using a good and trusted accountant. Shop around, talk to them and pick the right guy. He can help you minimize your tax burden far more than HR Block or doing it yourself with tax software, especially if your tax situation becomes more complex as you mature. This is not always true but it is often true.

千萬不要買新車，總是買一輛二手車。新車幾乎不保值。所有的車輛都是在貶值的資產(chǎn)，包括船、露營車、汽車、卡車、摩托車等等。要想在一輛“經(jīng)典”或“古董”汽車上實現(xiàn)收支平衡，需要大量的投資和工作。
35歲以后年齡越大，你應(yīng)該把更多的錢投資于美國債券基金。它們永遠不會失去價值。在線投資美國財政部的I類債券很容易，開立賬戶存入最低金額就行。一些專家說，在退休之前，你應(yīng)該每年將存在債券上的錢的百分比提高一個百分點。許多老年人的401k計劃在2008年崩潰時被毀，債券沒有發(fā)生過這種情況。
許多人會談?wù)摱愂蘸屯ㄘ浥蛎泴?dǎo)致的收入減少的問題。你可以通過聘請一位優(yōu)秀且值得信賴的會計師來最大限度地減少這種情況。貨比三家，和他們談?wù)劊x對人。他可以幫助你減少你的稅務(wù)負擔(dān)，遠遠超過HR Block或自己用稅務(wù)軟件，特別是如果你的稅務(wù)情況隨著你的成熟而變得更加復(fù)雜。這并不總是正確的，但通常是正確的。

15) If your company offers an ESPP you would be foolish NOT to take advantage of it. I am always amazed by people who do not invest in ESPP. It''s almost always a free 15 - 20 percent earnings on your money every year and it''s like a getting a bonus if you cash out right away. If your company is a blue chip you might consider letting the money accrue; if not, cash in the stock and invest it in Index Funds. One of the best things a VP ever told me was "Sometimes you have to make it real." Stocks are NOT real money. They are the HOPE of money. You only get real money when you sell them. NEVER FORGET THAT. I had friends building million dollars homes on their stock portfolios who ended up living in their cars when the tech bubble burst in the early 2000s. Sometimes you have to make it real. On the other hand, I once paid cash for a house I bought with my accrued Cisco ESPP stock.
16) All advice, even this, should be viewed with caution. No advice applies to everyone or every situation. You have to take into account your own personal situation. You need to set goals and determine how you will achieve them, especially at retirement time. You cannot count on Social Security, at most you will get the equivalent of about 25,000 dollars a year in the US

如果你的公司提供員工股票購買計劃（ESPP），你不利用它是愚蠢的。我總是對那些不投資ESPP的人感到驚訝。每年你的錢幾乎總是有15% - 20%的免費收益，如果你馬上兌現(xiàn)，就像得到了一筆獎金。如果你的公司是一只藍籌股，你可以考慮讓錢積累起來；如果不是，就把股票變現(xiàn)，投資于指數(shù)基金。一位副總裁告訴我的最好的事情之一是“有時候你必須把它變成現(xiàn)金?！惫善辈皇钦嬲腻X。它們是金錢的希望。只有當(dāng)你賣掉它們時，你才能得到真正的錢，永遠不要忘記這一點。我有一些朋友憑借他們的股票投資組合建造了價值數(shù)百萬美元的房子，當(dāng)21世紀初科技泡沫破滅時，他們最終住進了車里，有時你必須把它變成現(xiàn)金。另一方面，我曾經(jīng)把我累積的思科公司ESPP股票變現(xiàn)后買了一棟房子。
所有的建議（包括這些建議），都應(yīng)該謹慎看待。沒有任何建議適用于所有人或每種情況。你必須考慮到你自己的個人情況。你需要設(shè)定目標，并決定如何實現(xiàn)這些目標，尤其是在退休時。你不能指望社會保障，在美國，你每年最多能得到相當(dāng)于2.5萬美元的收入。