金融英語(yǔ)泛讀:讓你致富的八門大學(xué)課程

The Courses that Make You Rich in University讓你致富的八門大學(xué)課程

Is it common knowledge that school doesn't prepare you well for the real world?

Sure, you can get a good degree, find a well-paying job, work until you're in your 60s, and then retire to enjoy the life you've deferred for 40 years. However, that may not prove to be a successful life, a secure life, a financially sound life.A lot will depend on your outlook and your goals but know this：School doesn't prepare you well for achieving wealth or becoming an entrepreneur and it downright fails at teaching you how to be rich.Nevertheless, school is here to stay.For now.Thus, it helps to identify which classes are the most relevant and helpful for those of us looking to become rich entrepreneurs.There are, in fact, several courses that contain critical information and instruction that, if used correctly, will put you on your path to riches.

Accounting

Although this list is in no particular order, I think Accounting is, by far, the most important course to take if you want to succeed financially. Today's“credit crunch”illustrates that there are too many people who do not understand a balance sheet.Someone who walks into Best Buy and pays for a 47-inch plasma television with a credit card does not comprehend the difference between an asset and a liability.

Learning the difference between assets and liabilities, as well as concepts like inventory and cash flow, is essential if you intend on keeping your finances in order. Moreover, these concepts are crucial if you want to start your own business.The health of a business is reflected in its balance sheet and financial statement.As those numbers go, so does the business.Accounting will help you understand that cash flow is what helps a business succeed, and it is what helps you as an individual succeed.

Marketing

If you intend on making money from selling something（which, incidentally, is how any business makes money），then you need to learn how to find the right product. Marketing, in and of itself, is not selling.However, it helps you learn how to promote certain products and services.By taking Marketing, you can understand the process involved in figuring out what consumers want, focusing on a product that satisfies those desires, and the attempt at moving consumers toward that product.

Too often, products fail because their creators didn't bother to learn whether a market existed for that product. This process involves research and time, but, in the end, it can save a business thousands, if not millions, of dollars.As an entrepreneur, it can also save you valuable time and money.Find the market first, and then develop the product.

Economics

Understanding the production, distribution, and consumption of goods and services is essential if you want to take a big picture approach to business and investing. The current state of the U.S.economy is a combination of various factors（i.e.consumer over-spending, speculative real estate investing, fragile lending practices, a weakening dollar, low supply of oil, etc.）.

If you understand how the economy got to the point where it is today, it helps you identify where your money should be. You can pick out the right investments and turn away from the bad ones.You can identify which direction your business should go in, including whether to take advantage of certain trends or cut out excess inventory.

Economics is a vital ingredient in a person's financial education. The world is now a global marketplace, and the supply and demand of goods and services operate at that level.

Finance

Finance helps you understand how the time value of money works and how various investment vehicles operate. One of the keys to becoming rich is comprehending how money works when it's not in your hands.A finance course（preferably one geared towards entrepreneurship）will teach you what you need to know to reach this level of understanding.There might be some math involved, but it won't kill you.It'll just make you a stronger and more savvy investor.

Any American History Course

History can be boring. But if you look at history from a different viewpoint, it can open doors for you.The most valuable aspect of history is its ability to convey to us the mistakes of others.Studying history helps you learn from others mistakes so that, hopefully, you won't commit the same mistakes.

American history is filled with mishaps, wrong turns, and terrible decision-making, both at the national political level and at the business level. Look at these errors, and figure out how a better decision could have been made.

Writing and Composition

Succeeding as an entrepreneur requires that you be able to express yourself and your ideas. Whether it involves pitching an idea to an investor, writing a press release, or composing a business plan, entrepreneurs need to communicate.More often than not, this communication is done in writing.Basic composition and grammar skills can do wonders for your ability to convey your ideas and your mindset.

Any Literature Course

Literature, like history, contains valuable lessons that emanate from years of experience and wisdom. Why not draw on these sources of information?There is no limit to the topics covered by novels.Ernest Hemingway's books are full of inspirational messages.Oscar Wilde provides brilliant business advice.Henry David Thoreau is the master of teaching self-reliance.These books and others provide timeless principles of personal development and, just as important, wealth creation.Management

One of the problems with“bosses”is that they don't know how to manage people. If you want to own and run a business, you need to manage that business effectively and efficiently.An understanding of management concepts and learning different techniques and skills will not only make you likable, but they will also help you make more money.

學(xué)生通過(guò)學(xué)校的學(xué)習(xí)并不能掌握應(yīng)對(duì)殘酷現(xiàn)實(shí)世界的技能，這是否已經(jīng)成為所有人的共識(shí)了呢？

當(dāng)然，你可以通過(guò)上大學(xué)獲得一個(gè)好學(xué)位和一份高薪工作，接著工作到60歲，然后開(kāi)始享受退休生活，享受遲來(lái)了40余年的那份安逸快活。但是，這并不能保證你就能過(guò)上成功、穩(wěn)定并且富裕的生活。你要明白，學(xué)校是不會(huì)在讓學(xué)生變富裕或成為一名企業(yè)家方面下大功夫的，換句話說(shuō)就是，學(xué)校在傳授學(xué)生如何變得富有這方面，是徹底的失敗者。

不過(guò)，目前學(xué)生還是要待在學(xué)校里學(xué)習(xí)的。尤其對(duì)于那些想成為富人的學(xué)生來(lái)說(shuō)，學(xué)?？梢詭椭氵x擇一些最有幫助的相關(guān)課程。實(shí)際上，有些課程能夠提供十分關(guān)鍵的信息和指導(dǎo)。如果你能加以充分利用，那么財(cái)富就會(huì)在不遠(yuǎn)處向你招手。

會(huì)計(jì)學(xué)

雖然排列的順序沒(méi)有特殊的意義，但是我覺(jué)得如果你想要獲得經(jīng)濟(jì)上的成功，那么會(huì)計(jì)必是首選的課程。當(dāng)今的信用危機(jī)不正好說(shuō)明了有很多人對(duì)保持收支平衡都很不在行嗎？人們?cè)诤觅?gòu)刷卡購(gòu)買一臺(tái)47英寸等離子電視的時(shí)候還是分不清財(cái)產(chǎn)和負(fù)債的區(qū)別。

如果想要使你的財(cái)政狀況保持有序，你就需要對(duì)這兩者間的差別，還有貨物清單及現(xiàn)金流這些概念有所了解。此外，當(dāng)你想自己創(chuàng)業(yè)時(shí)，這些概念也很重要。生意的好壞都會(huì)在收支平衡表和財(cái)政結(jié)算表中有所反映。如果這些表上的數(shù)據(jù)不夠理想，那么你的生意也不會(huì)好到哪兒去。通過(guò)學(xué)會(huì)計(jì)學(xué)，你會(huì)知道現(xiàn)金流的保有能使你取得生意上的成功，進(jìn)而幫助你取得人生的成功。

市場(chǎng)營(yíng)銷

如果你想要從銷售（這也是絕大多數(shù)公司賺錢的方式）中賺到錢，那么你就得學(xué)會(huì)找到合適的產(chǎn)品。市場(chǎng)營(yíng)銷從本質(zhì)上來(lái)說(shuō)并不等于銷售，不過(guò)它會(huì)讓你學(xué)會(huì)怎樣去推銷產(chǎn)品和服務(wù)。通過(guò)學(xué)習(xí)市場(chǎng)營(yíng)銷，你就會(huì)明白消費(fèi)者想要什么樣的商品，把精力集中到能讓消費(fèi)者滿意的商品上，并試著讓他們對(duì)那件產(chǎn)品有購(gòu)買的欲望。

產(chǎn)品不暢銷，通常都是因?yàn)槠渖a(chǎn)商事先沒(méi)有調(diào)查和確定這件產(chǎn)品的市場(chǎng)前景。雖然在這個(gè)過(guò)程中既要做市場(chǎng)調(diào)查又要消耗一些時(shí)間，不過(guò)卻能幫公司省掉成千上萬(wàn)，甚至百萬(wàn)、千萬(wàn)美元的損失。對(duì)于一位企業(yè)家來(lái)說(shuō)，它還可以幫忙節(jié)省許多寶貴的時(shí)間和金錢。因此，首先要認(rèn)真調(diào)研市場(chǎng)，其次才是著眼于產(chǎn)品本身。

經(jīng)濟(jì)學(xué)

如果想全面了解投資與生意，那你就得對(duì)貨物和服務(wù)的生產(chǎn)、分配以及消費(fèi)這些方面有所了解。當(dāng)前美國(guó)的經(jīng)濟(jì)狀況是由多種因素造成的，例如消費(fèi)者的過(guò)度消費(fèi)、房地產(chǎn)的投機(jī)猖獗、過(guò)于脆弱的借款機(jī)制、美元的疲軟，以及石油供應(yīng)不足等。了解經(jīng)濟(jì)發(fā)展的態(tài)勢(shì)，會(huì)讓你看清投資方向。進(jìn)而，你就可以避免錯(cuò)誤的投資并找到正確的投資領(lǐng)域。此外，你還能清楚地洞察到自己生意的未來(lái)走向，比如你是應(yīng)該緊跟當(dāng)前的風(fēng)頭增加貨源，還是應(yīng)該清理積壓商品，等等。

經(jīng)濟(jì)學(xué)在個(gè)人的金融教育中是一個(gè)不可或缺的因素。當(dāng)今世界已經(jīng)變成了一個(gè)全球市場(chǎng)，所有的貨物及服務(wù)的供求都在這個(gè)大市場(chǎng)中進(jìn)行。

金融學(xué)

金融學(xué)會(huì)幫你理解錢的時(shí)間價(jià)值以及不同投資機(jī)構(gòu)的運(yùn)行方式。要想發(fā)財(cái)，關(guān)鍵之一就是要了解：當(dāng)錢不在你手上的時(shí)候，它們是如何運(yùn)作的。金融課程——最好是針對(duì)如何管理企業(yè)的課程，會(huì)教你怎樣達(dá)到那樣的理解層次?；蛟S這會(huì)涉及數(shù)學(xué)，但并不會(huì)太難。相反，它會(huì)讓你成為一名更強(qiáng)、更有悟性的投資人。

任意一門美國(guó)歷史課

歷史可能很枯燥。但是如果你能換一個(gè)角度去看待它，你就會(huì)得到很多有用的啟示。你能從歷史中看到他人所犯的錯(cuò)誤，這是它最有價(jià)值的地方。此外，對(duì)歷史的學(xué)習(xí)能夠讓你避免再犯前人所犯過(guò)的錯(cuò)誤。

美國(guó)歷史充斥著許許多多的災(zāi)難、錯(cuò)誤的轉(zhuǎn)折，以及可怕的決定——不論是政治的還是經(jīng)濟(jì)的。你要做的，就是研究這些錯(cuò)誤，并找出更好的解決辦法。

寫作

要想成為一名成功的企業(yè)家，你必須具有表達(dá)自己的觀點(diǎn)以及表達(dá)自己的能力。因?yàn)闊o(wú)論是要向投資者表述一個(gè)構(gòu)思、起草記者會(huì)文稿，還是擬訂一份商業(yè)計(jì)劃書，你都需要與別人溝通，而且大多數(shù)情況下，這種溝通都是通過(guò)書面形式完成的。當(dāng)你在表達(dá)自己的觀點(diǎn)和想法時(shí)，熟練掌握基本的寫作以及語(yǔ)法技巧能讓你事半功倍。

任意一門文學(xué)課程

文學(xué)和歷史一樣，飽含了前人留下的寶貴經(jīng)驗(yàn)和才智。鑒于此，為什么不將這些寶貴資源充分利用呢？小說(shuō)所涵蓋的主題是不受任何限制的。歐內(nèi)斯特·海明威的小說(shuō)的內(nèi)容能激發(fā)人們的靈感。奧斯卡·王爾德會(huì)提供十分獨(dú)到的、精辟的商業(yè)建議。亨利·戴維·梭羅則是教人自助自立的大師級(jí)作家。這些書能夠提供的原理古今通用，不僅可以促進(jìn)個(gè)人發(fā)展，還能幫助你創(chuàng)造財(cái)富。

管理學(xué)

老板們的一個(gè)通病，就是不知道如何管理好自己的員工。如果想要經(jīng)營(yíng)一門生意，你必須能高效高速地處理問(wèn)題。當(dāng)你對(duì)管理的理念有所了解，又掌握了多種應(yīng)對(duì)方法和技巧之后，你這個(gè)老板就會(huì)變得人見(jiàn)人愛(ài)，而且還能賺到更多的錢。

實(shí)戰(zhàn)提升

核心單詞

downright['daunrait]adv.完全地，徹底地

accounting[?'kaunti?]n.會(huì)計(jì)；會(huì)計(jì)學(xué)

inventory['inv?ntri]n.存貨清單；存貨盤存

emanate['em?neit]v.發(fā)源

財(cái)經(jīng)知識(shí)一點(diǎn)通

信用危機(jī)（credit crisis）

信用危機(jī)的主要表現(xiàn)是：商業(yè)信用和銀行信用遭到破壞，大批銀行倒閉，商業(yè)信用需要減少，借貸資本的需要大大超過(guò)供給，利息率急劇上升。

現(xiàn)金流（cash flow）

一般是針對(duì)企業(yè)而言的，所以現(xiàn)金流是指某一段時(shí)間內(nèi)企業(yè)現(xiàn)金流入和流出的數(shù)量，比如企業(yè)銷售商品、提供勞務(wù)、出售固定資產(chǎn)、向銀行借款、上市等，都會(huì)取得現(xiàn)金，形成現(xiàn)金流入；購(gòu)買原料、支付工資、構(gòu)建固定資產(chǎn)、對(duì)外投資、償還債務(wù)等，都需要支付現(xiàn)金，從而形成企業(yè)的現(xiàn)金流出。

翻譯練習(xí)

ls it common knowledge that school doesn't prepare you well for the real world?

Too often, products fail because their creators didn't bother to learn whether a market existed for that product.

lf you want to own and run a business, you need to manage that business effectively and efficiently.