英語資源頻道為大家整理的chinadaily雙語新聞：給應(yīng)屆畢業(yè)生的理財建議，供大家閱讀參考。
Congratulations, 2013 graduates. You did it! Now it's time to learn something really useful.
祝賀你們，2013屆的畢業(yè)生們。你們順利畢業(yè)了!現(xiàn)在該學(xué)點真正有用的東西了。
Having conquered all those classes, now you can move on to mastering the practical skill of managing money. Luckily, the economy is in better shape than it was a couple of years ago, and the overall unemployment rate for college grads is roughly half that of the total U.S. population, boding well for your job prospects.
在攻克了所有那些課業(yè)難關(guān)之后，現(xiàn)在你可以接著掌握理財方面的實用技能了。幸運的是，如今的經(jīng)濟狀況比幾年前好了，大學(xué)畢業(yè)生的整體失業(yè)率大約是全美總?cè)丝谑I(yè)率的一半，這對你的就業(yè)前景來說是一個好兆頭。
If you learn to manage a paycheck, spend less than you earn and stash away some money for later, you can put that education to good use, no matter what you choose to do.
如果你學(xué)會了管理薪水，量入為出，存一些錢以備將來之用，你就可以將所受教育學(xué)以致用了，不管你選擇做什么工作。
Here's some advice to get you on the right path.
下面是讓你走上正確之路的一些建議。
• Be nice to your parents. In addition to giving you a place to stay until you find a job, they might pay for your health insurance. If you have insurance under a student plan, it probably will end in mid-August. If you're not going to get coverage through a job by then, start working on other plans right away.
1. 善待父母。父母除了在你找到工作之前給你一個安身之處以外，可能還會為你的健康保險買單。如果你買的是學(xué)生險，保險可能會在八月中旬到期。到時如果你不能通過就業(yè)獲得保險，你要馬上開始購買其它保險。
Under the Affordable Care Act, young people can stay on a parent's health-insurance plan through age 25, but they need to re-enroll if they've been on a student plan. After you're hired for a job, it could take three months to qualify for insurance, so a parent's plan or a short-term health plan can be an option. (Short-term plans typically don't cover pre-existing conditions.)
按照現(xiàn)行的《平價醫(yī)療法案》(the Affordable Care Act)，年輕人一直到25歲都可以納入父母的醫(yī)療保險計劃，但是如果他們曾經(jīng)學(xué)生險，那就需要重新登記。在你找到工作以后，可能需要三個月以后才有資格享受保險待遇，因此你可以選擇參加父母的醫(yī)保計劃或者一個短期的醫(yī)保方案。(短期方案一般不會承保投保前已有的疾病。)
If your parents aren't a fallback, you might need to buy a short-term policy until January, when individuals will be able to buy conventional health insurance through new marketplaces, federal or state-run exchanges that offer standard health-insurance plans from various carriers. Open enrollment begins in October.
如果你的父母不能做你的靠山，你可能需要買一份保期到一月份的短期保險，到了一月份個人就可以通過新市場、聯(lián)邦或州經(jīng)營的交易所購買常規(guī)醫(yī)療保險了，這些交易所可以提供各家保險公司的標準醫(yī)療保險計劃。報名開放的時間是在10月份。
Whatever you do, don't skip getting insurance. Even those who are young and healthy need it, since a car accident or unforeseen illness can put you in a giant financial hole.
不管你選擇做什么工作，都不要遺漏了購買保險。哪怕是年輕、健康的人也需要它，因為一起車禍或無法預(yù)見的疾病都會讓你陷入巨大的財政困難。
• Reduce debt. An estimated two-thirds of today's graduates will leave with student loans, and the average borrower balance is almost $27,000. Debt is such a burden that it's worth scrimping for a few years, and even delaying graduate school, to pay off at least some of the debt. That will save you in interest costs and give you far more flexibility in your later twenties and beyond.
2. 減少債務(wù)。估計今天三分之二的畢業(yè)生離校時都會身背學(xué)生貸款，借款人的平均負債額接近27,000美元。債務(wù)是一個沉重的負擔(dān)，因此好幾年時間的節(jié)衣縮食，甚至推遲念研究生的計劃來償還至少部分的債務(wù)，都是值得的。那樣會節(jié)省你的利息成本，讓你在后二十年甚至更長的時間里有更大的靈活性。
Consider $20,000 in 10-year federal loans at 6.8% interest. The total monthly payments would be $230, and total interest would add up to about $7,600 over the loans' life. Paying just $20 a month extra will shorten the repayment period to nine years and save you $900 in interest over the life of the loans. Paying a total of $400 a month─what a car payment might be─will pay off the loans in five years and save more than $4,000 in interest.
看看一筆利率為6.8%的20,000美元的10年期聯(lián)邦貸款吧。如果每月的月還款總額是230美元，那么貸款期間支付的利息總額累計會達到7,600美元左右。如果每月多還款20美元，還款的年限就可以縮短到九年，整個貸款期間可以省掉900美元的利息。如果每月還款總額為400美元──可能也就是償還汽車貸款的數(shù)目──五年就可以還清貸款，節(jié)省的利息會超過4,000美元。
Congratulations, 2013 graduates. You did it! Now it's time to learn something really useful.
祝賀你們，2013屆的畢業(yè)生們。你們順利畢業(yè)了!現(xiàn)在該學(xué)點真正有用的東西了。
Having conquered all those classes, now you can move on to mastering the practical skill of managing money. Luckily, the economy is in better shape than it was a couple of years ago, and the overall unemployment rate for college grads is roughly half that of the total U.S. population, boding well for your job prospects.
在攻克了所有那些課業(yè)難關(guān)之后，現(xiàn)在你可以接著掌握理財方面的實用技能了。幸運的是，如今的經(jīng)濟狀況比幾年前好了，大學(xué)畢業(yè)生的整體失業(yè)率大約是全美總?cè)丝谑I(yè)率的一半，這對你的就業(yè)前景來說是一個好兆頭。
If you learn to manage a paycheck, spend less than you earn and stash away some money for later, you can put that education to good use, no matter what you choose to do.
如果你學(xué)會了管理薪水，量入為出，存一些錢以備將來之用，你就可以將所受教育學(xué)以致用了，不管你選擇做什么工作。
Here's some advice to get you on the right path.
下面是讓你走上正確之路的一些建議。
• Be nice to your parents. In addition to giving you a place to stay until you find a job, they might pay for your health insurance. If you have insurance under a student plan, it probably will end in mid-August. If you're not going to get coverage through a job by then, start working on other plans right away.
1. 善待父母。父母除了在你找到工作之前給你一個安身之處以外，可能還會為你的健康保險買單。如果你買的是學(xué)生險，保險可能會在八月中旬到期。到時如果你不能通過就業(yè)獲得保險，你要馬上開始購買其它保險。
Under the Affordable Care Act, young people can stay on a parent's health-insurance plan through age 25, but they need to re-enroll if they've been on a student plan. After you're hired for a job, it could take three months to qualify for insurance, so a parent's plan or a short-term health plan can be an option. (Short-term plans typically don't cover pre-existing conditions.)
按照現(xiàn)行的《平價醫(yī)療法案》(the Affordable Care Act)，年輕人一直到25歲都可以納入父母的醫(yī)療保險計劃，但是如果他們曾經(jīng)學(xué)生險，那就需要重新登記。在你找到工作以后，可能需要三個月以后才有資格享受保險待遇，因此你可以選擇參加父母的醫(yī)保計劃或者一個短期的醫(yī)保方案。(短期方案一般不會承保投保前已有的疾病。)
If your parents aren't a fallback, you might need to buy a short-term policy until January, when individuals will be able to buy conventional health insurance through new marketplaces, federal or state-run exchanges that offer standard health-insurance plans from various carriers. Open enrollment begins in October.
如果你的父母不能做你的靠山，你可能需要買一份保期到一月份的短期保險，到了一月份個人就可以通過新市場、聯(lián)邦或州經(jīng)營的交易所購買常規(guī)醫(yī)療保險了，這些交易所可以提供各家保險公司的標準醫(yī)療保險計劃。報名開放的時間是在10月份。
Whatever you do, don't skip getting insurance. Even those who are young and healthy need it, since a car accident or unforeseen illness can put you in a giant financial hole.
不管你選擇做什么工作，都不要遺漏了購買保險。哪怕是年輕、健康的人也需要它，因為一起車禍或無法預(yù)見的疾病都會讓你陷入巨大的財政困難。
• Reduce debt. An estimated two-thirds of today's graduates will leave with student loans, and the average borrower balance is almost $27,000. Debt is such a burden that it's worth scrimping for a few years, and even delaying graduate school, to pay off at least some of the debt. That will save you in interest costs and give you far more flexibility in your later twenties and beyond.
2. 減少債務(wù)。估計今天三分之二的畢業(yè)生離校時都會身背學(xué)生貸款，借款人的平均負債額接近27,000美元。債務(wù)是一個沉重的負擔(dān)，因此好幾年時間的節(jié)衣縮食，甚至推遲念研究生的計劃來償還至少部分的債務(wù)，都是值得的。那樣會節(jié)省你的利息成本，讓你在后二十年甚至更長的時間里有更大的靈活性。
Consider $20,000 in 10-year federal loans at 6.8% interest. The total monthly payments would be $230, and total interest would add up to about $7,600 over the loans' life. Paying just $20 a month extra will shorten the repayment period to nine years and save you $900 in interest over the life of the loans. Paying a total of $400 a month─what a car payment might be─will pay off the loans in five years and save more than $4,000 in interest.
看看一筆利率為6.8%的20,000美元的10年期聯(lián)邦貸款吧。如果每月的月還款總額是230美元，那么貸款期間支付的利息總額累計會達到7,600美元左右。如果每月多還款20美元，還款的年限就可以縮短到九年，整個貸款期間可以省掉900美元的利息。如果每月還款總額為400美元──可能也就是償還汽車貸款的數(shù)目──五年就可以還清貸款，節(jié)省的利息會超過4,000美元。