如何教孩子理财

 How To Teach Your Children Money Management

如何教孩子理财

In an uncertain economy, it’s important to provide young people with the tools they’ll need to make prudent¹ financial decisions. Here are The Onion’s tips for talking to your children about money management:

在一个不确定的经济环境中，为年轻人提供他们需要的理财工具很重要。下面就是“洋葱”为家长列出的帮助孩子理财的小贴士：

Provide your child invaluable² real-world experience by paying them below the poverty level for their manual labor³.

通过给孩子的体力劳动支付贫困线以下的报酬，给孩子提供体验真实世界的宝贵机会。

如何教孩子理财

Require a PowerPoint presentation detailing projected quarterly profits before you agree to invest any of your capital in powdered lemonade mix.

在你决定投资柠檬混合粉之前，要做一个季度利润ppt报告。

Simulate the free market by having all of your children compete for a single allowance.

通过让你的孩子们竞争独生子女费来模仿一个自由市场。

Demonstrate the importance of proper savings⁴ by repeatedly overdrawing⁵ your family’s checking account and suffering devastating⁶ ulcers⁷ as a result.

用不断透支家庭支票账户和承受严重溃疡的折磨，来证明适当存款的重要性。

Get your child excited about personal finance! Make some fun fake currency out of colorful construction paper and have your child put it in a pretend high-interest CD that they can’t touch for five years!

让你的孩子对个人理财感兴趣！用各色画纸做一些假币，让孩子把它们投到一个假设的高收益CD上，5年不能碰。 

It might seem like a lot of work now, but investing a little extra time will ensure you find the translation of Marx’s Das Kapital that’s right for your kids.

现在看起来可能有很多工作要做，但是投入一点额外时间就会让你的孩子发现马克思的《资本论》是很适合他们的。

Make sure you’re very clear with your college-bound teen about the long-term risks of accumulating credit card debt, as they’ll have to weigh your warnings against the benefits of Capital One T-shirts and Frisbees.

你要确保非常清楚自己上大学的孩子们的长期信用卡债务积累的风险。并且他们必须用你曾经给他们的警告来权衡买一件T恤和飞盘是否划算。

Personal accountability is key. Remind your child that although you pay their bills now, they won’t be 33 forever.

个人负责制是关键。要提醒你的孩子虽然你现在还为他们付账单，但他们不会永远是33岁。

1 prudent   

adj.谨慎的，有远见的，精打细算的

参考例句：

• A prudent traveller never disparages his own country.聪明的旅行者从不贬低自己的国家。
• You must school yourself to be modest and prudent.你要学会谦虚谨慎。

2 invaluable   

adj.无价的，非常宝贵的，极为贵重的

参考例句：

• A computer would have been invaluable for this job.一台计算机对这个工作的作用会是无法估计的。
• This information was invaluable to him.这个消息对他来说是非常宝贵的。

3 labor   

n.劳动，努力，工作，劳工；分娩；vi.劳动，努力，苦干；vt.详细分析；麻烦

参考例句：

• We are never late in satisfying him for his labor.我们从不延误付给他劳动报酬。
• He was completely spent after two weeks of hard labor.艰苦劳动两周后，他已经疲惫不堪了。

4 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。

5 overdrawing   

透支( overdraw的现在分词 )

参考例句：

6 devastating   

adj.毁灭性的，令人震惊的，强有力的

参考例句：

• It is the most devastating storm in 20 years.这是20年来破坏性最大的风暴。
• Affairs do have a devastating effect on marriages.婚外情确实会对婚姻造成毁灭性的影响。

7 ulcers   

n.溃疡( ulcer的名词复数 )；腐烂物；道德败坏；腐败

参考例句：

• Detachment of the dead cells produces erosions and ulcers. 死亡细胞的脱落，产生糜烂和溃疡。 来自辞典例句
• 75% of postbulbar ulcers occur proximal to the duodenal papilla. 75％的球后溃疡发生在十二指肠乳头近侧。 来自辞典例句