10 “rich people things”

向有钱人学习的10件事

Financial gurussay, “To become rich, do rich people things.” Here are ten ways you can startdoing “rich people things” and stop watching your hard-earned money flow out ofyour bank account.

金融大师说，“要变得富有，就做富人做的事”。这里是10条你可以开始做的“有钱人做的事”，停止让你辛苦赚来的钱从户头流走。

1. They get out ofdebt.

Duh, right? Debt isthe enemy to building wealth. Debt is Lord Voldemort. It will kill and destroyyour money. You should get rid of even small, monthly payments. Start byfiguring out exactly how much you owe, and decide what you’re going to tacklefirst.

1、有钱人脱离债务

呃，对吧？债务是打造财富的敌人。债务是伏地魔，它会掠杀你的金钱。你应该脱离债务，即使那只是每月支付的很小一笔钱。先确定地计算出你欠了多少钱，然后就着手解决它吧。

2. They know howmuch they save.

Do you know whatyour annual savings rate is? Rich people do. It doesn’t have to be exact, ordown to the penny, but you should know how much of your salary you usually saveor invest.

1、有钱人知道他们储蓄了多少

你知道自己的年储蓄率是多少吗？有钱人知道。这不需要多确切，或精细到每一分钱，但你应该知道你经常从工资中拿出多少来用于储蓄或投资。

3. They know howmuch they spend.

How much are yourmonthly utilities?How much do you usually spend at restaurants? By figuring out these things, youwill be able to find ways to save and invest more. So, track your spending overthe next couple months. After you’ve seen where your money is going, you willhave a better idea of what you can cut.

2、有钱人知道他们的花销是多少

你知道你每月的日常开销是多少吗？你会在外出就餐上花多少钱？搞清这些后，你就可能找到比以往储蓄和投资更多钱的办法了。所以，接下来几个月就尝试记下来你的开销吧。等你看到你的钱花在了哪，你就会更明白哪些你可以减掉开支。

4. They think long term.

Where do you want to be in 5, 10, or 20 years? Whereverthat is, you need to start planning for it today. Rich people don’t say thingslike, “I want new shoes, I’m going to spend the last of my paycheck on them.”They think long term about where they want to be, and they make savings goalsto get there.

1、有钱人想得更长久

5年、10年或20年后你想成为什么样子？无论在哪，你都要在现在开始为以后做打算了。有钱人不会说这些的话“我想要买双新鞋，支票簿上还有余钱，都花光得了。”有钱人想的是长期的目标，并且他们用储蓄来达到这个目标。

5. They make their money work for them.

My dream is to figure out how to make money while Isleep. Doesn’t that sound amazing? Well, rich people do that. They invest instocks, real estate, companies, etc. and make their money work for them.

2、有钱人让钱为他们工作

我的愿望是找到当我睡觉时依然能赚钱的办法。这听着不可思议吗？有钱人正在这么做。他们投资股票、房产、公司等，让钱为他们工作。

6. They diversify their income.

Nothing will make you feel more secure at work thanhaving another stream of income, and it will help your bank account, too.Having a few side hustles will make your bank account grow—and it gives youless time to spend your money, which increases your savings.

1、有钱人保持收入多样化

没什么比还有另外的收入流让人更有安全感了，而且这对你的存款也有好处啊。拥有其它收入不仅让你钱包更鼓，还让你花钱的时间也少了，这也能增加你的存款。

7. They aren’t afraid to get help.

It could be your brother, your sister, or even your bestfriend’s parents, but you should find someone who you think handles money well,and ask them how they do it. Also, there are a ton of great online resourcesyou should check out. In addition, you can go to financial planners and findout what they suggest. You’re probably not going to find all your answers inone spot, and that’s fine. Just keep searching until you find something thatworks for you.

2、有钱人不怯于寻求帮助

可能是你的兄弟姐妹、或你最好朋友的父母，总之你你找到你觉得善于理财的某人士，向其请教一下做法吧。而且，网上也有这方面海量的信息，你可以查看一下。作为补充，你也可以向理财师咨询，听下他们的建议。你可能不会在一处找到所有你要的答案，这很正常。继续搜寻，直到你找到适合你的有效办法。

8. They figure out goals for their money.

有钱人有自己的财富目标

You need goals. You need something to strive for at everystep of your financial journey. Are you working on getting out of debt? Thenyou should have a big “get out of debt goal.” You should also break down yourbig goal into smaller pieces. For example, “pay off a credit card, pay off$5,000 in student loans, or pay off half of your car.” By making these smallergoals you will stay motivated to getting to your bigger goal.

你需要目标。你需要在你的财富之路的每一阶断都为之奋斗的目标。你是为摆脱债务而努力吗？那你应该有一个远大的“摆脱债务之目标”。你应该将你的大目标分成小的目标。比如，付清信用卡，还上5000美元的学生贷款，或付清一半车贷。通过这些小的目标，你将更有积极性去接近你的更大目标。

9有钱人认识到致富需要一个过程

一夜暴富不太可能，但通过制定计划并且坚持下去，总有一天你会致富的。

10. They don’t want what other people have.

You know the couple with the amazing house? You know thegirl with the awesome car? Most of them aren’t rich. They may have goodincomes, but they’re most likely buried in payments. Trying to get these thingswill make you the same way. You will be buried in payments, but you won’t bemaking progress on your net worth. Decide what you want more, wealth or things?

10.有钱人不想拥有别人想要的

你知道那对拥有豪宅的夫妻吗？你知道那位有辆酷车的女孩？他们中的大部分并不富裕。他们可能有好的收入，但他们极有可能欠了大笔的债。尝试拥有这些东西可能会让你变得与他们一样。你将因此欠下好多债务，却不会使你的总资产有任何长进。想想你想要什么吧，财富还是物件？

Honeywell CEO: How America can compete withChina

美国拿什么和中国拼？

During the mid1800’s, we eclipsed the UK economically because of population growth and dynamism. We encouragedbusiness, a strong working ethic,and innovation (some stolen from the UK). During this century, China may eclipse the US as theworld’s biggest economy. While some might point to the unsustainability ofChina’s political system, it is very different than it was 50 years ago or 20years ago. China may have more issues to deal with (corruption, wealthdisparity, state owned enterprises, pollution, and ghost cities to name a few),but they have shown tremendous capability to evolve their system and addresstheir issues. We are standingstill.

19世纪中叶时，依靠人口增长和活力，我们的经济超越了英国。我们鼓励商业，强烈的职业道德，还有创新（一些是我们从英国偷来的）。在本世纪，中国可能超越美国成为世界上最大的经济体。可能有些人会指出中国的政治体系不够有持续性，它与50年或20年前已然不同。中国可能有很多问题需要处理，比如腐败、贫富不均、国企、污染、或鬼城等等，但中国已经展示出惊人的能力，来进化其制度、解决其问题。而我们在固步自封。

This is not a caseof is China “good” or is China “bad,” rather it’s a case of China “is.” Atcurrent growth rates, in about 25 years China will be the world’s largesteconomy and will still have a lower GDP per capita, meaning more growth is possible..这不是一个中国“好”或中国“坏”的论题，而是有关中国的客观情况。以现在的增长速度，用不了25年，中国将成为世界第一大经济体，并且其人均GDP依然处于较低水平，这也意味着更多增长的可能。

This is not to say China’s growth will continue uninterrupted. Somethingcould go awry. Italso doesn’t mean we should stop objecting to issues like cyber security,territorial disputes and intellectual property issues.这并不是说中国的增长将地直持续下去。有些地方也会出错。这也并不意味着我们要停止反对譬如网络安全、领土争端以及知识产权等议题。We need to accomplish two goals. The first is to develop a strongcommercial relationship with China similar to what we’ve been able to do withthe UK in the 200 years since we last fought them in a war and the 150 yearssince we worked to keep them neutral during the U.S. Civil War. It’s nevereasy. The second (which supports the first) is to have our own Americancompetitiveness agenda. Economic size represents population times productivity(defined as GDP per capita). We will never have more people than China so weneed to focus on always being the most innovative and productive country onEarth. There is an Economic Olympics going on now and we can’t just focus onbeating the other Americans on our team. We need Republicans and Democratsworking together. There is truth to arguments on both sides of each issue. Weneed to find that common ground and act.我们需要完成两个目标。第一是要与中国构建一个强有力的经济联结，正如我们与英国所建立的关系一样。自从我们在英美战争中战胜英国后，在过去的200年里，我们与英国一直有良好的商业关系，同时在150年前国家内战时，我们也使英国保持了中立的立场。这并不容易。第二个目标（也支持着第一个目标）是打造美国自己的竞争力。经济规模代表着人口乘以生产能力（即人均GDP的定义）。我们不可能比中国有更多的人口，所以我们需要一直专注于成为全世界最具创新力、最多产的国家。现在正在进行着经济的奥林匹克竞赛，而我们不能只专注于将与我们同组的其他美国人打败。我们需要让共和党与民主党携手合作，双方在每个议题上的各自争论都有道理，我们需要找到共同点，一起行动。

Government doesn’t just regulate business, it enables it.Business is the source of productivity and our standard of living. We have alot of strengths to buildupon. Good, smart regulationis important to set minimum standards and enabling is important to foster thatdynamism essential to a growing economy that provides the jobs andopportunities we all want to see.政府不仅仅要调控监管经济，它更要保持经济的正常运行。经济是生产力以及我们生活水准的源头。我们有很多可以依赖的力量。良好的、明智的监管对于设立最小标准是很重要的，而保持经济正常运行对于培养经济增长所需的推动力有着关键作用，而经济增长将提供就业和更多机遇，这是所有美国人希望看到的。

There are eight areas the U.S. government should enablenow. First is resolving our debt. We can’t successfully compete with a badbalance sheet. We have a bad balance sheet that is getting worse, not better.The estimates don’t forecast any recessions, which will of course make themworse. Using current forecasts, at about the same time China’s GDP eclipses theU.S., our debt will exceed 100% of our GDP. Is that the legacy we want to leaveour kids and grandkids? Second is rebuilding our crumbling infrastructure.Third is more math and science education at all levels. We need more engineers,not more lawyers and financial engineers. Fourth is immigration reform.美国的政府现今有八个方面要解决。第一是解决我们的债务。我们不能与糟糕的资产负债表论输赢。我们现在的资产负债表很糟，而且还在变得更糟而非更好。估算没有预测到任何衰退，衰退当然会使情况更糟。根据现在的预测，随着中国的GDP超过美国，美国的债务会100%超过其GDP。这是我们想留给子孙的遗产吗？第二是重建我们破碎的基础设施。第三是对所有阶段的学生加强数学和科学的教育。我们需要更多的工程师，而非更多律师与金融工程师。第四是移民制度改革。

Fifth is tort reform. The tort system is important toaddress social inequities, but it also needs to be fair to the companies thatprovide investment and jobs. Sixth is a well-funded, patent system with fasteracknowledgment of patents and resolution of disputes. Seventh is an energypolicy that encourages efficiency and production of more energy (traditionaland economically viablerenewables). Eighth is Free and Fair Trade. The President needs TradePromotion Authority (TPA) to foster trade agreements that support U.S. jobs.Trade agreements are unlikely to move forward without it, and both opponentsand proponents of trade know that.第五是侵权法改革。侵权法对于解决社会不平等具有重要意义，但它也需要公平对待提供着投资和工作岗位的公司。第六是资金充足的专利制度，可以提供更快的专利认证和纠纷解决。第七是能源政策，用以鼓励效率和生产更多能源（包括传统能源和经济上可行的可再生能源）。第八是自由和平等的贸易。美国总统需要贸易促进权以促进贸易条约，支持美国就业。如果没有贸易促进权，将无法达成贸易条约，贸易的反对者与支持者对此都心知肚明。

About 75% of world GDP and 95% of the world’s populationare outside the US. Trading nations have benefitted for centuries. Composition of world GDPis changing significantly and we need to position our country to benefit.Twenty years ago the U.S. was 27% of world GDP; in 2010 it was 26%; and by2030, it will be 24% according to Global Insight. Other developed countrieswere 50% in 1990, 41% in 2010, and will be 29% by 2030. Developing countries(in large part led by China) have grown from 23% in 1990 to 33% in 2010 andwill be 47% by 2030. In other words, developing economies will be about half ofworld GDP in 20 years. We have to be in there forging relationship now.约75%的全世界GDP和约95%的世界人口在美国之外。贸易型国家已经受益了几个世纪。构成世界GDP的要素已经发生了显著变化，我们应该将我们的国家安置于受益的位置。20年前，美国在世界GDP中占比27%，在2010年，占比26%，到2030年时，依据环球透视，占比将是24%。其他发达国家1990年时占比50%，2010年时占比41%，在2030年时将占比23%。发展中国家（主要以中国为首）由1990年的23%增至2010年的33%，截止2030年时将升至47%。换言之，发展中的经济体将在20年内占到全世界GDP的一半。我们必须从现在开始培养与发展中国家的关系。

The choice is simple … and stark. Are we so focused on our entitlements and ourarguments that we’ve forgotten what made us great – that is, hard work, mathand science, technical skills, a dynamic economy, a sense of purpose, relying on ourselves andnot blaming others, taking personal ownership of our future, and being able toindividually act in our self interest while not forgetting our collectivepurpose.选择很简单，也很突出。我们是否太过专注于我们应享受的权利与争执，而忘记了使美国成为伟大的根本：努力工作，数学与科学，科学技术，一个动态的经济，目标意识，自强不息而非怨天尤人，对自己的未来负起责任，去行动，为着自己的利益也不忘记集体的目标。

Some people in the world, and some countries even,believe our time has passed. That a once great economic and military power hastaken the first steps on the path to decline; that we cannot resolve ourinternal differences to make the difficult choices needed as a society; thathaving achieved greatness, we’ve forgotten what got us here … and can no longeract.世界上有些人，甚至一些国家，认为美国的时代已经过去。曾经强大的经济和军事力量已经开始没落，我们无法解决内部的分歧，作出一个社会所必要的困难选择；我们曾经成就了伟大，但我们已然忘却了那些成就了我们的东西，并且，我们不再有所行动。

I do believe our form of government is the best there is.It has proven over 200 years to be the most sustainable and responsive tochange, appealing tothe basic need for freedom and inclusion that resides in every person. We must never forgetthough, that the long-term stability of our system and our belief in theenduring strength of our system cannot be an excuse to not act when confrontedby great changes in the world. We shouldn’t wait for the crisis to focus on ourcollective purpose. We need to start acting now. We need government that pullstogether, rather than one that pulls apart.我深信，我们的政体是现存的最好政体。在过去200多年，它已经证明了是最可持续、对改变最为响应的政体，它满足了每个人心底对自由和包容最基本的诉求。我们必须永不忘记，我们体系的长期稳固性、和我们对这个体系持久强度的坚信，绝不能成为我们在面对世界发生着巨变时依然不作为的借口。我们不能等到危机来时才去关注我们的集体目标。我们需要现在开始行动。我们需要团结合力的政府，而非一个搞分裂的政府。

12 Ways To Get Paid To Travel The World

在旅途中赚钱的12种方法

With airfare risingmore than 10% in the past five years and hotel rooms going for exorbitantprices, conventional tourism has become more challenging to do affordably.过去5年，飞机票价涨了10%，而酒店价格也直线上升，这让传统的旅行变得更难承受。

But what if youcould travel and not spend a dime? What if you could even get paid?但如果你能不花一个子儿的去旅行，会是什么样呢？或者甚至你能边旅行，还能获得收入，怎么样？

Many would jump atthe opportunity to experience new cultures, traverse through beautifullandscapes, and satisfy their insatiable wanderlust.很多人会高兴的跳起来吧，能够有这个机会去体验全新的文化，可以穿过美丽的景色，可以满足永无止境的流浪癖。

We’ve compiled 12ways for just about anyone to get their golden ticket to spending weeks, oryears, in exotic lands while earning some cash.下面是我们整理的12种方法，可以让每个人在异域度过数周或数年的机会，同时还能赚到钱。

1. Become A Tour Guide

Leading tours through some of the world's most iconic and historicplaces sounds like a dream come true. It can offer tons of variety, dependingon how you approach it. Do you become a tour guide in one dream place —say,Paris! —and lead hordes of tourists through the Louvre, the Bastille, and theEiffel Tower? Or do you lead groups on longer trips that go through a series ofdestinations?

1.  成为一名导游

在世界最具标志性和历史性的景点做导游听起来像梦想被实现了。带团有很多种方式，取决于你如何策划。比如成为一名导游，在一个梦想中的地方，比如，巴黎！领着一队游人穿行于卢浮宫，巴士底狱，还有艾菲尔铁塔？或者你想领队更长的旅途，更多的目的地？

Either one can be a solid way to make a living and seenew cultures. There are a few cons, though. Guides who stay in one locationwill likely be working freelance, which may mean uneven paydays and a lack of job security. Someguides give free tours and try to use their personalities to get tips fromgenerous tourists.任何一种方法都既能赚钱也能看不同风景。但是也有一些条件。在一些地方，做导游通常是自由职业者，这意味着收入不稳定、工作无保障。一些导游免费带团，利用他们的人格魅力来得到来自慷慨游客的小费。

Longer-term guides may be lucky enough to get a contractor a full-time gig from a touring company, which adds stability but means theywill be the one dealing with all the logistics, planning, and headaches thatcome with trying to manage a group of cranky tourists for weeks at a time.

长期的导游如果幸运的话可能会得到旅游公司的长期签约或是做全职，这样有稳定性，但也意味着需要一个人应付所有后勤、策划，以及几周内要管理忍受一队难搞的旅客。

2. Go WWOOF'ing

WWOOF, or Worldwide Opportunities on Organic Farms, isnot a traditional business. Volunteers go for a set period to work on a farmwith like-minded travelers in exchange for accommodation and home-cooked meals.The terms are flexible with WWOOFers staying as long or little as they want,and the opportunities are plentiful. While you'll have to pay your own way tofly to the farm, once you are there, there are plenty of people who can offer aride to the next destination.

2、去有机农场作志愿者

WWOOF，有机农场并非一种传统的商业。志愿者与其他抱同样想法的旅客在农场工作一段时间，用工作换取住宿和家庭餐。有机农场的工作条约很灵活，时间可长可短，而且机会很多。你需要自己付机票钱到达农场，但一旦你到达那里，有很多人愿意载你到下一个目的地。

3. Teach English

If you're looking for adventure in a foreign land, one ofthe most accessible and lucrative ways to get there is by taking up a jobteaching English. Jobs in Asia, the Middle East, and Latin America areabundant, and most of them do not require that you speak the native language.

While not all schools require it, a certification forTeaching English as a Foreign Language (TEFL) can make you a more desirablecandidate. Salaries can be as high as $36, 000 a year in Japan or $45, 000 inthe United Arab Emirates.

3、教英语

如果你想去国外旅行，一个最经济便利的方法是找一份在当地教英语的工作。这样的工作在亚洲、中东和拉美有非常多，而且大多数工作也并不需要你讲当地的语言。虽然并非所有学校都需要，但如果你拥有英语教师资格证（TEFL）可以让你更具竞争力。在日本的年薪高达3.6万美元，而在阿联酋更高，是4.5万美元。