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零花钱帮助孩子们学会理财

所属:听力板块 作者:crystal156 阅读:1925 次 评论:0 条 [我要评论]  [+我要收藏]

小编摘要:《富爸爸穷爸爸》的作者罗伯特清崎说:“如果你不教孩子金钱的知识,将会有其他人取代你。”这听起来或许有点危言耸听。但是,孩子们确实需要理解财富的价值和力量。

 

这里是美国之音慢速英语经济报道。
This is the VOA Special English Economics Report.
许多孩子通过零花钱开始懂得金钱的价值。其目的是让孩子在犯财务错误代价尚不高的年龄从零花钱中学到经验。
Many children first learn the value of money by receiving an allowance. The purpose is to let children learn from experience at an age when financial mistakes are not very costly.
父母给孩子自由支配的零花钱的数额各家不同。时机是另一个需要考虑的问题。有些孩子每周得到零花钱,还有些孩子每月得到零花钱。
The amount of money that parents give to their children to spend as they wish differs from family to family. Timing is another consideration. Some children get a weekly allowance. Others get a monthly allowance.
任何情况下,家长都必须明确知道孩子们把钱准备花在什么地方。
In any case, parents should make clear what, if anything, the child is expected to pay for with the money.
起初,年幼的孩子可能会在拿到零花钱后很快花完。如果他们这样做了,他们就能历经艰难学到开支必须有预算。通常建议家长们在下次发放零花钱的日期前,不要再给孩子更多钱。
At first, young children may spend all of their allowance soon after they receive it. If they do this, they will learn the hard way that spending must be done within a budget. Parents are usually advised not to offer more money until the next allowance.
这样做的目的是让孩子们知道,预算需要在支出和储蓄之间做出选择。年龄稍大一点的孩子可能已经懂得存钱来应付较大的开支,像衣服或电子产品。
The object is to show young people that a budget demands choices between spending and saving. Older children may be responsible enough to save money for larger costs, like clothing or electronics.
很多曾写过零花钱相关主题的人表示,付钱让孩子干家务并不是个好主意。家务是家庭生活的正常组成部分。
Many people who have written on the subject of allowances say it is not a good idea to pay your child for work around the home. These jobs are a normal part of family life.
但付钱让孩子在家附近做额外工作则是有用的。它可以帮助孩子理解业务是如何运作的。
Paying children to do extra work around the house, however, can be useful. It can even provide an understanding of how a business works.
零花钱给孩子提供一个机会来体验用钱可以做什么事情。他们可以把零花钱以礼物或物品的形式捐给慈善事业。也可以购买自己想要的东西。或者存起来,甚至可以投资。
Allowances give children a chance to experience the things they can do with money. They can share it in the form of gifts or giving to a good cause. They can spend it by buying things they want. Or they can save and maybe even invest it.
储蓄帮助孩子明白,昂贵的目标需要作出牺牲:必须削减开支为未来打算。
Saving helps children understand that costly goals require sacrifice: you have to cut costs and plan for the future.
要求孩子将部分零花钱存起来还可以开启孩子们未来储蓄和投资的大门。许多银行提供帮助儿童和青少年了解个人理财的服务。
Requiring children to save part of their allowance can also open the door to future saving and investing. Many banks offer services to help children and teenagers learn about personal finance.
储蓄账户是了解复利的一个很好的方式。
A savings account is an excellent way to learn about the power of compound interest.
复利是指连本带息计算利息。例如,以2%的利息存入一美元,存期为两年。第一年你可以获得2美分的利息。第二年,你将获得1美元2美分的2%的利息,以此类推。这看上去似乎不多,但随着时间推移数额也不少。
That may not seem like a lot. But over time it adds up.Compounding works by paying interest on interest. So, for example, one dollar invested at two percent interest for two years will earn two cents in the first year. The second year, the money will earn two percent of one dollar and two cents, and so on.
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2011-08-02 11:34 编辑:crystal156
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