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What I wish I knew about money when I was 18 (Part I)

来源:FT中文网    2017-10-11 06:15

        Like many young people across the world, in little over a year, I will leave the comfort of my secondary school bubble, and embark on the next stage of my life — university.        像全世界的许多年轻人一样,再过一年多时间,我将走出中学时代这个“舒适的泡泡”,开启我人生的下一段旅程——大学时代。
        I hope that my hard work will reward me with a degree and the skills I need to land a great job that pays the bills (and a Manchester United season ticket).        我希望,我的努力学习能让我拿到一张大学文凭,并让我学会能够找到一份足以支付账单(以及曼彻斯特联队(Manchester United)的一张季票)的好工作所需要的技能。
        While I am full of excitement about the opportunities that lie ahead, I am also acutely aware that when I graduate, aged 21, I will be in the red by at least £40,000.        在我为未来的各种机会而满怀兴奋之际,我也清醒地意识到,当我于21岁大学毕业之时,我将身背至少4万英镑的债务。
        The fear of being so debt ridden is nauseating in itself. More worryingly, I don’t really know what to do about it — or what it means in the long term. And when I finally emerge into the world of work, how will I repay my debts and at the same time, make sure I have enough for a rainy day, plus start saving for a property and a pension?        为债务缠身操心本身就令人不悦。但是,更令人担心的是,我真的不知道该如何应对——或者说,长期而言,这些债务意味着什么。当我最终进入职场,我该如何偿还债务,与此同时,我该如何保证,在有不时之需时,我能有积蓄来应对,以及如何为了房子和养老金而储蓄?
        Although I consider myself to be switched on, I wouldn’t know where to start. But why would I? At school, little effort is made to ensure we know how to manage our finances and make the right decisions about money. I’m very fortunate to have parents who have encouraged and supported me — but not everyone is so lucky. And while there is loads of free information online, it is confusing and often contradictory.        虽然我自认为已跃跃欲试,但我不知道从何处着手。可是,为何会这样呢?在学校,我们几乎没有学到一点儿如何管理财务、就金钱做出正确决定的知识。我算是幸运儿,有父母的鼓励和支持——但不是每个人都这么幸运。虽然网上也有大量免费信息,但大多数信息都讲得不清楚,且经常自相矛盾。
        Nevertheless, we all need to take responsibility — and I’m trying to do my bit. When I was on work experience at the Financial Times last year, I pitched some ideas about how the FT could engage with secondary school students. The FT board liked my thinking. Now, every UK secondary school can sign up to get free access to FT.com and a weekly email of articles that will appeal to 16-19-year-olds.        因此,我们所有人都需要尽一份责任——我也要出一份力。当我去年在英国《金融时报》(FT)实习时,我提出了一些关于FT如何吸引中学生读者的想法。FT的董事会很喜欢我的想法。现在,每所英国中学都可以注册免费访问FT.com和收到每周以电子邮件发送的针对16 -19岁的年轻读者的文章。
        As young people, we have so many financial and political challenges to overcome in our future. To find solutions to these problems, we need to be much more engaged with the world of money — and the world of politics than we are now.        作为年轻人,我们未来要克服那么多的财务和政治挑战。要找到这些问题的解决办法,我们需要比现在更多地参与金钱世界和政治世界。
        I really hope my fellow sixth-formers across the country will take the initiative and use the FT to understand the world around them better, and make more informed money choices.        我真心希望,全英国中学六年级的同学们行动起来,利用FT更好地了解周围的世界,在金钱问题上,做出更加明智的选择。
        Working in the FT’s London office for three weeks this summer was a great opportunity to put this to the test. Claer Barrett, the FT Money editor, told me to ask the paper’s famous writers and commentators two questions: what was the best piece of financial advice they received when they were young, and what piece of financial wisdom they would pass on to young people like me.        今年夏天,我在FT伦敦办公室实习了三周,也是将这一计划付诸实施的绝佳机会。FT Money专栏的编辑克莱尔•贝瑞特(Claer Barrett)让我向本报知名撰稿人和评论员请教两个问题:一是他们在年轻时得到的最佳财务建议是什么?二是他们希望向我这样的年轻人传授什么样的理财智慧?
        So for all you sixth-formers, university goers and everyone else, here is a selection of thoughts which resonate with me and, hopefully, will be useful tips for you too.        对所有中学六年级的学生、大学生和其他人,希望下面这些引起我共鸣的想法能够有所帮助。
        Lionel Barber        莱昂内尔•巴贝尔(Lionel Barber)
        Editor, Financial Times        FT总编辑
        I have a phobia of debt. I couldn’t bear to see my debt increasing and throughout my life I’ve not taken on very much debt at all. I took on this attitude from my father, who grew up in the 1930s during the Depression. I’ve been a saver because I’ve always liked to have scope to manoeuvre if things go wrong. I believe in savings and I don’t like debt. In fact, I was so risk averse that I didn’t buy any shares until I was 40. This was probably a mistake, but I wasn’t educated about the stock market. I see a value in investing because as people get older you really need to care about your pension, and saving and investing is really important.        我有债务恐惧症。我不能忍受看到我的债务在不断增加,所以,我这一辈子基本上没有借过很多债。我的这种金钱观来自我的父亲,他是上个世纪三十年代大萧条时期长大的一代。我一直在坚持储蓄,因为,我一直希望,如果出现问题,我总有个回旋的余地。我认为应该储蓄,讨厌债务。事实上,我非常厌恶风险,在40岁前从未买过股票。这可能是一个错误,但我当时没有接触有关股票市场的知识。我认识到投资的价值,是因为随着年岁的增长,我们都需要关注自己的养老金,而储蓄和投资是非常重要的手段。
        I did work in the holidays, my parents did not just give me money. I worked in a valve factory, for Sainsbury’s in Victoria and in Germany as a student. I also worked in the Sarsons Vinegar factory in Vauxhall — six weeks of carting vinegar around in barrels. No fun with glandular fever, but I did it just to earn money.        我还在放假时打过工,因为父母也不是什么钱都给我。当学生时,我曾在一家阀门厂工作过,也在伦敦维多利亚广场附近的和德国的森宝利超市(Sainsbury’s)打过工。我还在伦敦沃克斯豪尔(Vauxhall)地区的Sarsons醋厂工作过六周,每天的工作就是用车子搬运一桶桶的醋。我当时患了腺热,所以这份工作一点也不有趣,但为了赚些钱我还是在做。
        Young people have to understand that they need skills. Have something to offer an employer — learn a language or become a coder. You need to have something where the employer understands you have something special. Also, do your best to get some financial independence. Don’t just expect your parents to give you money.        年轻人必须明白,他们需要有一技之长。他们要有雇主想要的东西——学会一门语言或会编写程序。你需要有一些让雇主认为你有特别之处的东西。另外,要尽力实现财务独立,不要老是期望父母给你钱。
        Martin Wolf        马丁•沃尔夫(Martin Wolf)
        Chief economic commentator, Financial Times        FT首席经济评论员
        The best piece of advice I ever received? That’s simple: get the best education possible. And that would also be the financial wisdom I would pass on to young people. Otherwise, I don’t think I ever received any financial advice. It is a topic I simply didn’t think about (and nor did anybody I knew).        我获得过的最佳建议?很简单:获得尽可能好的教育。这也是我想传给年轻一代的财务智慧。除此之外,我觉得,我没有获得过任何财务方面的建议。这是一个我压根儿没想过的话题(我认识的所有人也都没有想过)。
        But my mother had an instinct: buy property. That worked for her. I might add that my parents were born in 1910 and 1918: so they were children of the Great Depression. They were as a result very cautious and thought stocks and shares were incomprehensible and dangerous. All their friends felt the same: financial markets were simply what caused mayhem. And now we know they were basically right!        但是,我的母亲好像有这方面的直觉:买房!她的这一策略大获成功。我想说的是,我的父母分别生于1910年和1918年,所以他们是大萧条时期长大的孩子。因此,他们非常谨慎,认为股票难以理解,也非常危险。他们的所有朋友都持同一看法:金融市场就是制造混乱的元凶。我们现在也明白了,他们的看法基本是对的。
        Neil Woodford        尼尔•伍德福德(Neil Woodford)
        Head of investment, Woodford Investment Management        伍德福德投资管理公司(Woodford Investment Management)投资主管
        The best financial lesson I learnt was to question the notion that markets are efficient. Economics is the study of human behaviour as much as anything else and I’m not sure this can be explained in the same way that you can describe how ice crystals are formed.        我学到的最佳财务课程就是质疑市场是有效率的这一说法。经济学其实是研究人类行为。我认为,我们无法像解释水如何结成冰那样解释人类的行为。
        I believe the best way to add value is to focus on fundamentals (by which I mean the real performance of a business and the real activity in the economy) and focus on value, not price. In the short term the market can be profoundly inefficient, and obsessed with things that have very little relevance to the long-term success of a company or an economy.        我认为,能够实现增值的最佳方法就是关注基本面(我指的是企业的实际表现和经济中的实体经济活动)和价值(而不是价格)。简而言之,市场可能会深度缺乏效率,会过度关注与一家公司或一个经济体的长期成功关联度非常低的东西。

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