祝贺你们,即将毕业的学子!你们即将踏入社会,开始多姿多彩的生活。但是且慢,在开始新生活之前,请仔细考虑我给你们的建议,这些将帮助你们生活的更好。
Congratulations, college class of 2008! You've earned your diplomas. Now it's time to get smart about the real world.
Current projections say the job outlook for the class of 2008 isn't bad but it's not great either -- there is an increase in hiring compared to last year, but it's half of what was projected in the fall, and salary growth is mixed as well.
The bad news: Research shows graduating into a recession has the potential to negatively affect your earnings in the long term.
The good news: Surviving and thriving in an economic downturn boils down to managing your expectations and your finances wisely, which is a lesson with a lifetime's worth of value. Here are some areas to concentrate on.
Find Housing You Can Really Afford
租能负担得起的房子
The "New York Times" did a piece recently on finding your first New York City apartment.
One of the men they profiled is a consultant who chooses to pay more than half of his after-tax income for an apartment in Manhattan. Despite the fact that his income (combined with a roommate's) satisfies the landlord, he is not showing good financial sense. You shouldn't spend more than 30 percent of your income on rent. If you need to split the rent eight ways, then do it. When you're young, living with lots of roommates can be a rite of passage, not to mention a fun way to get to know people and have a home base in a big city. 年轻时和许多室友一起住是一个成长经历,而且这也是结识新伙伴、在大城市里有一个居住地的好办法。
Or try starting out in a not-so-big city. The most affordable rents, not surprisingly, are in states such as Kansas, Oklahoma, and Kentucky.
不管在哪里,房租都是最好不要超过月收入的三分之一,否则的你的生活质量会大打折扣、甚至可能出现财务危机。
Take Care of Your Health
照顾好自己
Young people are the largest and fastest-growing group in the country without health insurance. That must be why I've been invited to several benefit parties for twenty- and thirty somethings who have unexpected medical expenses that they can't afford to pay for.
Doctor's bills are bad for your wealth as well as your health -- they're a leading cause of bankruptcy and credit card debt.
So if you don't have health insurance through your job -- or if you're still looking for a job -- here are a few options:
如果你的工作不提供医保,或者你还在找工作,以下是一些选择:
- In 30 states, you may be eligible for coverage under your parents' plan as part of a family rate, up to your mid 20s (in New Jersey, the limit is age 30). Find out more here.
- You may also be eligible for low-cost coverage under a state or local plan for low-income adults, such as Healthy New York or Healthy San Francisco. Check your state's insurance department for details.
- Consider a so-called catastrophic or major medical plan; these have the lowest monthly premiums and high deductibles, but they will pay off if the worst occurs.
上述的三种情况在中国都不现实。如果你的工作没有医疗保险的话,你可以尝试买一些费用低的商业保险,也会起到一定的作用。
The Thoughtful Warden故事
英文名著精选阅读:《小妇人》第二章:圣诞快乐 第4节
英文名著精选阅读:《小妇人》第四章:负担 第12节
英文名著精选阅读:《傲慢与偏见》第二十七章
Thedogandthewolf狗和狼
Two Holes for the Dogs
Senior Class
历史上的黑色星期五:大事记盘点
双语美文:我笔下的奇异世界
I Want Her to go Nuts
[英文]美国高校排名新榜单 哈佛位列第一
THE BUCKWHEAT故事
The Ass and the Lapdog
A Call from a Frog
英文名著精选阅读:《红字》第二十一章(下)
圣诞节的菜谱:圣诞西式烤火鸡怎么做
英文小短文精选(8)
The Dog, the Cock, and the Fox
The Two Brothers
The Cat and Mouse in Partnership
英语小笑话:到底谁欠谁的钱?
The Magic Swan
The Reform School Board故事
The Ant and the Chrysalis
万圣节英语手抄报图片:Jack O'Lanterns in Beijing
英文名著精选阅读:《小妇人》第三章:劳伦斯家的男孩 第4节
Thehorseandtheass
圣诞节的室内装饰:圣诞树的由来
英文名著精选阅读:《红字》第三章(下)
英文名著精选阅读:《傲慢与偏见》第八章 第4节
不限 |
英语教案 |
英语课件 |
英语试题 |
不限 |
不限 |
上册 |
下册 |
不限 |