生活英語聽力文章：投資理財(cái)?shù)拿孛芙^招

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　My Top Investment Tip

　　我最好的投資技巧

　　Over the last couple of years I have seen far too many people I know personally lose ALL of their money. In some cases, their net worth was in the millions and they lost everything- even their marriages.

　　在過去的幾年中,我看到太多的我了解的人個(gè)人失去了他們所有的錢。在某些情況下,他們的凈資產(chǎn)是數(shù)百萬,他們失去了一切,甚至婚姻。

　　One of the best ways to learn how to be successful is to observe the behavior of others. There is a lot to be gained by analyzing both their good and bad examples. When it comes to investments, I have learned a lot more by watching people make bad decisions than good decisions.

　　學(xué)習(xí)如何成功最好的方法之一是觀察他人的行為。通過分析他們的好的和壞的例子有很多收獲，當(dāng)談到投資,我通過觀察人做出糟糕的決策而不是好的決策中學(xué)到了很多。

　　Most of the people I am referring to are in their 40’s and 50’s. Typically, they saved money for years through modest investment strategies and then got too aggressive.

　　我指的大多數(shù)人在40和50歲間的。通常,他們多年來通過適度的投資策略存錢,然后玩過火了。

　　Warren Buffet’s number 1 investment advice: don’t lose money. His number 2 tip is: read number one. While this sounds simple and may be great advice, none of the people who lost everything planned to do so. In fact, if you were to ask them what they thought their odds were of losing everything, they would have said ZERO.

　　股神巴菲特的第一投資建議:不要賠錢。他的第二個(gè)建議是:遵守上條建議。雖然這聽起來很簡單,可能是偉大的建議,沒有一個(gè)人失去了一切計(jì)劃這么做。事實(shí)上,如果你問他們認(rèn)為導(dǎo)致他們失去一切的什么,他們會(huì)說沒有。

　　Most of the people I have described lost their money in Florida residential real estate investments. Their rational for their investment seemed reasonable. Never in recorded history has Florida’s home values declined. Given this statistic you can see why so many people had confidence in buying Florida real estate.

　　我所描述的大多數(shù)人失去了他們的錢是在佛羅里達(dá)住宅房地產(chǎn)投資。他們理性的投資似乎是合理的。歷史上從未有佛羅里達(dá)的房屋價(jià)值下降。鑒于這種統(tǒng)計(jì)可以看出為什么那么多人有信心在佛羅里達(dá)買房地產(chǎn)。

　　As a result of the numerous poor investment decisions I’ve made over the years combined with observing the bad investment decisions of others, there is one rule that I will NEVER break as long as I live. I will NEVER invest more than 10% of my net worth in any one investment, except for my primary residence.

　　結(jié)合多年來觀察別人的不良投資決策，由于許多失敗的投資決策,只要我還活著，有一個(gè)規(guī)則,我永遠(yuǎn)也不會(huì)打破，我永遠(yuǎn)不會(huì)投資超過10%的凈值的任何一個(gè)投資上,除了我的主要居所。

　　By capping any one investment at 10% of your net worth, the most you can lose is10% if something terrible happens to that investment. That will be a bad day, but not as bad as it would be if you lost 100%.

　　通過限制任何一個(gè)投資你的凈資產(chǎn)的10%的投資,如果有可怕的事情發(fā)生，最可以失去10%的投資。這將是一個(gè)糟糕的一天,但總比你損失了100%要好。

　　My belief in limiting any one investment at 10% is so strong that I have asked my estate-planning attorney to add a clause to my trust documents. It provides that in the event of my death, at no time can more than 10% of the assets be invested in any one investment. This is my way of making sure my wife and/or children don’t make this serious mistake.

　　我的信條是通過限制投資超過10%的凈利率如此強(qiáng)烈以至于我已經(jīng)要求我的房產(chǎn)規(guī)劃律師信托文件添加一個(gè)條款。它提供了我在世的一些事,沒有超過10%的資產(chǎn)可以投資于任何一個(gè)投資。這是我的方式保證讓我的妻子和/或孩子不犯這個(gè)嚴(yán)重的錯(cuò)誤。

　　I realize this topic is a sensitive one and different from all the other little things I have shared with you so far. But if this little thing keeps you from losing a large chunk of your hard earned money, this may turn out to be the most important lesson of all.

　　我知道這是一個(gè)敏感的話題,不同于到目前為止我已經(jīng)與你共享其他所有的小事情。但如果這小東西會(huì)使你失去一大塊辛苦掙來的錢,這可能是最重要的一課。

　　One of the best investment decisions you can ever make is to say NO!

　　最好的投資決定你能說“不”!