楼主:华分类 时间:2017年10月22日 20:07:52 点击:0 回复:0
When it comes to saving, no age-group has experienced a bigger change of heart than young adults.谈到存款,没有哪个年龄段的人比现在年轻的成年人在思想上经历了更大起伏。Measures of saving rates among young adults under 35 show they#39;re suddenly saving a whole lot more. According to Moody#39;s Analytics, one measure, the four-quarter moving average of the saving rate of young adults -- which smoothes out volatility -- started dropping in the late 1990s and hit roughly -15% in 2006 -- before climbing higher during the 2008 global financial crisis and its economic aftermath to over 5%. It#39;s now around 2% or 3%, as of the third quarter of 2012.衡量35岁以下成年人储蓄率的指标显示,他们突然开始疯狂存钱。据经济研究机构Moody#39;s Analytics统计,年轻人储蓄率的四季度移动均值从上世纪90年代末开始下滑,2006年达到负的15%左右,随后在2008年全球金融经济危机期间有所攀升,一度突破5%。截至2012年第三季度,年轻人储蓄率四季度移动均值约为2%或3%。该指标在一定程度上消除了波动性影响。No other age group has seen so violent a turn from borrowing to saving. ( See related article.) Sure, people between 35 and 44 also increased saving during the recession, but their about-face wasn#39;t as dramatic. Young people now save roughly as much as people 35 to 44 -- and nearly as much as those between 45 and 54.其他年龄段就没有出现如此强烈的从借钱到储蓄的态度变化。当然,35岁至44岁的人在经济不景气的时候也增加了储蓄,但他们的态度转变没有这么剧烈。年轻人目前在存钱方面与35岁至44岁年龄段差不多一样,甚至接近45岁至54岁年龄段的人。The trend suggests the recession may have made some young people more #39;risk averse,#39; economists#39; jargon for less willing to take risks by, say, borrowing. It#39;s likely that many young people are having a harder time getting credit, especially those with super- high student-loan burdens. But young adults are also seeing their incomes fall, and generally make less money than older people. So they may now -- post financial crisis and recession -- find themselves less able to service debt. That, in turn, may reduce their demand for credit.这个趋势表明,经济衰退可能令一些年轻人的“避险情绪”增加。这是经济学家使用的术语,指不太愿意通过借款等方式承担风险。一种可能的解释是,很多年轻人目前获得贷款的难度有所增加,特别是那些背负着超高学生贷款的年轻人。而同时,年轻成年人的收入也有所下降,整体来看他们赚的钱不如年龄较大的人多。如今,在金融危机和经济衰退过后,他们可能会发现自己的偿债能力减弱了,而这反过来又会影响他们的贷款需求。#39;Younger households were significantly dis-saving -- aggressively borrowing -- prior to the recession, but they are now saving at a healthy rate,#39; said Mark Zandi, economist at Moody#39;s Analytics.Moody#39;s Analytics的经济学家赞迪(Mark Zandi)说,年轻家庭在经济衰退之前曾非常反对储蓄,他们会大量借钱,但如今他们的储蓄率处在一个健康的水平上。#39;I think this clearly shows a significant increase in the risk aversion of younger households given the economic nightmare of the downturn and weak recovery,#39; he adds. #39;It is unclear how long this heightened risk aversion will last, but I suspect the last few years will have an indelible impact on how younger households think about their finances.#39;赞迪还说:我认为这明确显示,面对经济低迷和复苏乏力的噩梦,年轻家庭的避险情绪明显增加。他说:不清楚这种加剧的避险情绪会持续多长时间,但我怀疑过去几年对于年轻家庭的财务观会产生不可磨灭的影响。 /201303/230130While breaking off an engagement may help a couple dodge a messy divorce, it doesn#39;t always keep them out of the courtroom.虽然解除婚约可能会帮助两个人避开离婚时的纠葛,但并不意味着他们不会法庭上见。More than ,000 is spent on the average engagement ring.一般的订婚戒指都要花费5000美元以上。And deciding who gets to keep the ring when the big day gets called off is such a hotly-contested issue that most states have laws governing its ownership. 确定谁在订婚取消后保有戒指是一个极具争议的问题,几乎每个州都有法律来规定它的所属权。Some bitter lovers even take the case to court. 一些满腹怨怼的恋人甚至为此诉诸法庭。Colette DiPierro, 31, thought her broken engagement was behind her when she learned that her ex-fiancé Christopher Reinhold was suing, demanding the return of her ,500 diamond engagement ring.Colette DiPierro, 31岁,在了解到前未婚夫Christopher Reinhold 上诉要求她归还价值1.75万美元的订婚戒指时,认为自己不是婚约取消的过错方。They had dated for almost two years when Reinhold proposed in May 2009.在恋爱了接近2年的时间后,Reinhold于2009年5月向她求婚。 But the couple began to fight, often about money, and they split four months later, said DiPierro, a physician assistant in Staten Island, N.Y. 但是后来,这对情侣开始经常因为钱而争吵,并在4个月后他们分开了,DiPierro 如是说。她在纽约州史德顿岛做一名医生助理。The followingspring, he filed a lawsuit. 第二年春天的时候,他提起了诉讼。Reinhold and his attorney did not respond to requests for comment.Reinhold和他的律师没有回应记者的置评请求。Poll: Who do you think should keep the ring?投票:你认为谁应该保有这枚戒指呢?According to DiPierro, she held onto the ring because he hadn#39;t repaid her for his share of ,000 worth of living expenses. DiPierro声称她不愿意还回戒指,是因为男方没有偿还他应付的价值4万美元的生活开销。Their deal: she had paid for rent, food, car payments and other bills while Reinhold saved for the ring.他们的约定:她付房租、食物、车贷和其他账单,而Reinhold则攒钱买戒指。;I helped him save so I felt that I was holding onto the ring for collateral,; she said. ;我帮助了他存钱,所以我觉得有必要保留戒指作为抵偿,”她说。Laws vary by state, but many consider the ring a ;conditional gift; until the couple says ;I do,; -- meaning that regardless of who gets cold feet, the ring must be returned to the person who bought it, said Alton Abramowitz, a New York-based attorney and president of the American Academy of Matrimonial Lawyers. 不同州的法律有所不同,但很多人认为戒指在情侣说“我愿意”之前都属于“有条件赠与”,--意思就是不管谁先临阵退缩,戒指都必须归还给购买的人,Alton Abramowitz是这样说的,他是总部位于纽约的美国婚姻律师协会的律师兼会长。But it#39;s not always that simple。但事情往往没有那么简单。A New York judge ruled in 2006 that a woman could keep her 3.4-carat diamond engagement ring because her ex had not yet been divorced from his previous wife when he proposed. 一位纽约法官在2006年裁定一名妇女可以保有她的3.4克拉钻石订婚戒指,因为她的前未婚夫在求婚时没有和其前妻离婚。The Montana Supreme Court, meanwhile, has shot down the conditional gift theory entirely, ruling that the ring is the rightful property of its recipient.同时,蒙大拿州高级法院彻底推翻有条件赠与的论据,规定戒指属于受赠人的合法财产。In certain states, determining who gets the ring rests on who called off the wedding.在某些州,戒指归谁所有要看是谁取消了婚礼。And, to complicate matters further, some states treat an engagement ring given on a holiday differently than one given on a non-holiday.而且,使问题更加复杂化的是,有些州将在节日赠送的婚戒与非节日赠送的婚介区别对待。In DiPierro#39;s case, because the ring was given to her on her birthday, she argued that it should be hers to keep.在DiPierro的案件中,由于戒指是在生日时收到的,所以她辩称戒指应该归她所有。Related: How to ask a friend to pay you back 相关话题:如何让朋友还钱New York State law was on her side, said George Muscato, a Lockport, N.Y.-based attorney who recently represented a female client in an engagement ring-related suit. He did not represent DiPierro. 纽约州的法律偏向于她那边, George Muscato这样说。George是纽约州洛克波特市的一名律师,他曾是一起订婚戒指相关的诉讼案中一名女性客户的代表律师。但他不是DiPierro的代理律师。;If you give her that ring on a holiday like Christmas or Valentine#39;s Day or her birthday, then you are making a gift to her as a present [that is] unconditional,; he said. “如果你在诸如圣诞节、情人节或她的生日等节日里送给她戒指,那么你就是将其作为非有条件性的礼物送给她的。”他说。But as legal proceedings dragged on for more than a year, DiPierro said she ultimately agreed to a financial settlement with Reinhold. 但是介于法律诉讼已经拖了一年多的时间,DiPierro最终同意与Reinhold进行财务和解。While she#39;s glad her time in court is behind her, DiPierro said it drastically changed her perspective on money and romantic relationships. DiPierro说,虽然她很高兴在法庭上时自己是有利的一方,但它也极大地改变了自己对金钱和恋爱关系的看法。;I guess, in some cases, I was naive,; she said. ;Money became very complicated in every future relationship.; “我想,自己在有些方面太过天真了,”她说,“在未来的每段关系中,处理金钱都会变得很复杂。” /201303/232362A Man of Actions一个言出必行的人A crowd of student was gathered on the campus of Oxford University. “You can have no doubt,” shouted a young man excitedly, “that if the Dean does not take back what he said to me this morning, I’ll leave Oxford this very evening!”一群学生聚在牛津的校园里,一个年轻人情绪激动地叫道:“毋庸置疑,如果那个家伙不收回他今早  对我说的话,我今晚就离开牛津。”A buzzing noise followed. “What a man of actions!” one said in admiration. “How should we support him and learn from him!” said another.下面一片喧哗。“真是个言出必行的人。”一个人艳羡地说。另一个说:“我们要持他、学习他。”Suddenly, a girl asked, “What did the Dean say to you, Hob?”突然,一个女孩问道:“那家伙对你说什么了,霍波?”He bent and whispered to her, “Well,er#8226;#8226;#8226;er#8226;#8226;#8226;Miss Rose, er#8226;#8226;#8226;he told me to get clean away from Oxford this very evening!”他弯下腰小声说:“哦,呃…呃…,罗斯,呃…他说要我今晚从牛津滚出去。” /201302/225014

这是关于一个女孩、女人、女性的成长漫画On A Claire Day:亲情、友情、爱情;家庭,朋友、婚姻,工作,生活……一切的一切~今日嘱咐:其实,万圣节就是最大的西方传统Cosplay节!只不过Cos那些动漫人物,就太普通了;直接Play你老板试试看……!译者:koogle /201306/243726

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