給畢業(yè)生的建議英語
祝賀你們，即將畢業(yè)的學(xué)子!你們即將踏入社會(huì)，開始多姿多彩的生活。接下來，小編給大家準(zhǔn)備了給畢業(yè)生的建議英語,歡迎大家參考與借鑒。
給畢業(yè)生的建議英語
Current projections1 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 earnings2 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
租能負(fù)擔(dān)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 consultant3 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 rite4 of passage, not to mention a fun way to get to know people and have a home base in a big city. 年輕時(shí)和許多室友一起住是一個(gè)成長經(jīng)歷，而且這也是結(jié)識(shí)新伙伴、在大城市里有一個(gè)居住地的好辦法。
Or try starting out in a not-so-big city. The most affordable5 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過月收入的三分之一，否則的你的生活質(zhì)量會(huì)大打折扣、甚至可能出現(xiàn)財(cái)務(wù)危機(jī)。
Take Care of Your Health
照顧好自己
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 bankruptcy6 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醫(yī)保，或者你還在找工作，以下是一些選擇：
- In 30 states, you may be eligible7 for coverage8 under your parents' plan as part of a family rate, up to your mid9 20s (in New Jersey10, 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 premiums11 and high deductibles, but they will pay off if the worst occurs.
上述的三種情況在中國都不現(xiàn)實(shí)。如果你的工作沒有醫(yī)療保險(xiǎn)的話，你可以嘗試買一些費(fèi)用低的商業(yè)保險(xiǎn)，也會(huì)起到一定的作用。
剛畢業(yè)的學(xué)生腦子里一定要有一個(gè)清楚的理財(cái)計(jì)劃，不然很可能會(huì)因?yàn)槠鹦教汀?dǎo)致你入不敷出、債臺(tái)高筑。
Start a Debt Freedom Campaign
負(fù)債行動(dòng)
Got student loans and credit card debt to pay off? One tactic1 that's worked for a lot of readers is to start a debt freedom blog. Use an online calculator to figure out a date by which you want to be debt free, and a realistic monthly sum to save -- say, -- that will get you there. Then, post about your progress as a way of keeping yourself to that promise.
See this personal finance blog aggregator for lots of great suggestions and models for your blog.
Get Rewards for Saving and Budgeting Online
從在線理財(cái)中獲得的好處
Personal finance sites marketed to GenDebt are growing every day, and anything that starts the saving habit is a good idea.
At Billeo.com, you can build your credit score by simply paying bills. SmartyPig.com, a startup, offers retail2 rewards and a relatively3 high interest rate for saving online, with a fun, social format4; Wachovia's Way2Save and the site whatareyousavingfor.com, sponsored by a credit union in North Carolina, offer similar savings5 rewards.
擴(kuò)展：面試中最糟的錯(cuò)誤
Hiring managers don't want to hear a lot of things during an interview -- confessions1 of a violent past, a cell phone ring, a toilet flush. Yet job seekers have committed these interview gaffes2 and worse, according to CareerBuilder.com's annual survey of the worst interview mistakes.
招聘經(jīng)理不希望在面試時(shí)聽到太多東西——比如對過去“暴力行為”的懺悔、手機(jī)鈴聲、沖廁所聲。可是根據(jù)CareerBuilder網(wǎng)站對最糟糕面試錯(cuò)誤的調(diào)查顯示，求職者們在面試中都犯過這些錯(cuò)誤，甚至更糟的錯(cuò)誤。
Hiring managers say don't offer personal details that can be controversial during an interview.
招聘經(jīng)理稱不要在面試中透露具有爭議性的個(gè)人細(xì)節(jié)。
Odd behavior isn't the only way to ruin your chances of landing a job.
古怪的行為并不是唯一會(huì)導(dǎo)致你得不到工作的原因。
When hiring managers were asked to name the most common and damaging interview mistakes a candidate can make, 51 percent listed dressing3 inappropriately.
51%的招聘經(jīng)理認(rèn)為穿著不當(dāng)是面試者最常見最具破壞力的錯(cuò)誤。
Forty-nine percent cited badmouthing a former boss as the worst offense4, while 48 percent said appearing disinterested5.
49%的招聘經(jīng)理認(rèn)為說前雇主的壞話是最壞的錯(cuò)誤;48%則認(rèn)為是應(yīng)試者對工作態(tài)度冷淡。
Arrogance6 (44 percent), insufficient7 answers (30 percent) and not asking good questions (29 percent) were also top answers.
傲慢(44%)、回答問題不充分(30%) 及沒有提出好的問題 (29%) 也被認(rèn)為是最糟的幾個(gè)錯(cuò)誤。
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給畢業(yè)生的建議英語
