Knowing a jobprospect’s motivations is important for managers who are hiring. 对人事经理来说，了解候选人的动机是非常重要的。
During yourinterview, talk about how this position fits into your future plans and the ideas you haveabout your career, how it fits with your values, and what you would like tolearn from it. Talk about how you see yourself in relation to the company andwhat you believe you can bring to the position.在面试中，谈谈这个职位与你的未来计划、你对自己职业生涯的想法的相契合，谈论一下这份工作如何与你的个人价值观相符，以及你希望从中学到什么。谈论一下你如何看待与公司的关系，以及在这个岗位上你能为公司所做的贡献。
These kinds ofthoughts show who you are as a person, and go a long way toward giving thehiring manager an idea about how you might fit in the company’s culture andvalues. 这些想法可以丰富你的个人形象，而且有助于给人事经理一个你能够适合企业文化和价值观的印象。
Format: Some 18courses, including four electives,are spread out overevery other weekend in Chicago, with three residential weeks in Chicago, oneweek in Hong Kong, and one week in London
Format: Classesmeet every other week from Friday through Sunday in Evanston, IL, or once amonth from Thursday afternoon through Sunday noon in Miami, FL
The piketty problem why taxing the richwont solve-inequality
为何向富人征税不能解决贫富差距
It's not often thata lengthy economics book gets very much attention, but by now, many have heardof French economist Thomas Piketty's Capital in the Twenty-First Century.The685-page book has unexpectedly become a bestseller; Piketty analyzes hundreds ofyears of tax records throughout the world and arrives at a harsh reality: Therich are indeed getting richer.
一部长篇经济学的著作赢得大量关注这事可不常见，但现在，许多人听说过法国经济学家托马斯 皮凯蒂的著作《21世纪资本论》（Capital in the Twenty-First Century）。这部厚达685页的书籍意外地成为了一本畅销书。皮凯蒂分析了世界各地几百年来的征税纪录，得出一个严酷的事实：富人确实会变得更富有。
A lot of attentionhas been paid to incomes, but as Piketty highlights, the divide is much widerwhen it comes to wealth. While he has broadened the debate about inequality,what's often been missing from the discussion is what should we do about it?
At least in theU.S., the prescriptionshave overwhelmingly focused on raising incomes; hardly a day goes by when the media, a city mayor,or Washington lawmakers makethe case for raising workers' minimum wage. While that might helpequalize incomes, it does nothing to help Americans build wealth.
Piketty suggests levying a global wealthtax, but taxing the rich isn't necessarily the answer. What could help averageAmericans, particularly low-income households, are policies that help thembuild wealth by helping people to save more. This is an approach recently articulated by my NewAmerica Foundation colleague, William Elliott. In his report, "HarnessingAssets to Build an EconomicMobility System," he argues that the richest Americans alreadyenjoy extensive government subsidies on their savings. This year, the top 20%of income earnerswill capture two-thirds of the $140 billion in subsidies for retirement,according to estimates by the Congressional Budget Office.
皮凯蒂建议征收全球财产税，但征收富人税并不一定解决问题。能够帮助美国人、尤其是低收入家庭的是通过帮助他们存更多钱来积累财富的政策。这是近期由我在新美国基金会（New America Foundation）的同事威廉•埃利奥特提出的方式。在他的报告 “利用财产打造经济流动系统” 中指出，最富有的美国人已经因他们的储蓄而享受着大幅度的政府津贴。根据国会预算局的估计，今年美国1,400亿美元的退休补贴中，有三分之二将由收入最多的那20%的人获得。
Lower-income Americans don't have this type of support.In fact, they're explicitly discouraged from saving more if you look at rulesover federal food and income assistance programs that can make families withless than $1,000 in the bank ineligible to participate.低收入的美国人可没有这种支持。实际上，他们并不被鼓励存更多钱，如果你观察联盟的食品与收入支持项目的条例，会发现，银行存款低于1000美元的家庭都没有资格参与这些项目。
As a result, higher income families are rewarded forlong-term planning and investment and low-income families are penalized fordoing so. The point is that it takes money to make money, so how about makingsure that everyone starts out with some?
There are multiple ways: Senator RonWyden (D-Ore.) has recently voiced his support for a universalsavings accounts for children, modeled on the ASPIRE Act. ASPIRE would provide all childrenborn in the U.S. with a $500 savings account that could be put toward the cost ofcollege, buying a home, or retirement. Up to $2,000 could be deposited into theaccount annually on a tax-free basis, and lower-income families would qualifyfor a federal match of up to $500 a year. Representative Joe Crowley (D-N.Y.)has supported a similar approach.这也有很多方法解决，俄勒冈州的参议院罗恩•怀登最近表示，他支持“立志法案“（ASPIRE Act，The America Saving for PersonalInvestment, Retirement, and Education Act），立志法案将为所有出生在美国的孩子提供一笔500美元的储蓄户头，以作为以后读大学、买房子的费用、或当作退休金使用。每年放入这个户头里的钱最高2000美元可以不用缴税，低收入家庭也可以按照联邦标准，每年向其中最多存入500美元。纽约州的代表乔•克劳利也支持类似的方式。
There are certainly other measures that need to take place to make surethat an approach like that is successful, such as getting rid of asset limitsthat cast savingsas a liability in the minds of low-income families, as well as helping familiesbuild a financial cushion in the form of flexible savings, as the FinancialSecurity Credit would do.
As Piketty rightly observes, the continued consolidation of wealthis deeply problematic.This is true on a macroscale as well as in the day-to-day lives of families trying to make ends meet and get afew steps ahead. Replacing our flawed public policies that exacerbate this problemwith a system that facilitatesthe creation of new wealth would go a long way toward allowing more Americansto share in such a powerful driver of economic success.
The New YorkUniversity professor, who predicted the housing bust and financial crisis, hasbeen upping his economicoutlook recently. Speaking at the annual SALT hedge fund conference inLas Vegas on Wednesday morning, Roubini said that many of the risks in the global economy havereceded. Also helping, U.S. investors no longer seem worried about politicaltrouble overseas.
Roubini said theEuropean Union and the Euro were looking a lot stronger than a year ago. Healso said "Abenomics" appears to be working in Japan, and the risk ofa recession has receded there. But the biggest improvement, Roubini thought, istaking place in the U.S. The deficit has shrunk and Washington appears to havecalled a truce.
The discussion --which also included former Fed Governor Laurence Meyer, Schiff, the formerprime minister of Greece George Papandreou, and politician-turned-MorganStanley-employee Harold Ford -- turned to deflation. Schiff said deflationcould be good for the U.S. Roubini called that notion nonsense. He said the Fedhad done a good job ending the threat of deflation or a slowdown. 会议讨论的主题转向通缩，参与讨论的还包括美联储（Fed）前理事劳伦斯•迈耶、经济学家彼得•希夫、希腊前总理乔治•帕潘德里欧以及政治家出身的摩根士丹利（Morgan Stanley）雇员哈罗德•福特。希夫称通缩对美国有益，鲁比尼称此观点是荒谬的，他说，美联储终止了来自通缩或一场经济减速的威胁是对的。（美联储在终结通缩或经济放缓的威胁方面做得很好。）
她理财 App
保险精选
Reasons You Wantthe Job.
你想要这份工作的原因
Knowing a jobprospect’s motivations is important for managers who are hiring. 对人事经理来说，了解候选人的动机是非常重要的。
During yourinterview, talk about how this position fits into your future plans and the ideas you haveabout your career, how it fits with your values, and what you would like tolearn from it. Talk about how you see yourself in relation to the company andwhat you believe you can bring to the position.在面试中，谈谈这个职位与你的未来计划、你对自己职业生涯的想法的相契合，谈论一下这份工作如何与你的个人价值观相符，以及你希望从中学到什么。谈论一下你如何看待与公司的关系，以及在这个岗位上你能为公司所做的贡献。
These kinds ofthoughts show who you are as a person, and go a long way toward giving thehiring manager an idea about how you might fit in the company’s culture andvalues. 这些想法可以丰富你的个人形象，而且有助于给人事经理一个你能够适合企业文化和价值观的印象。
18
Top 10 executive MBA programs
全球10大在职MBA项目排行榜
1.Booth school ofChicago University
Index: 100.0
2013 Rank: 2
Total program cost:$168,000
Format: Some 18courses, including four electives,are spread out overevery other weekend in Chicago, with three residential weeks in Chicago, oneweek in Hong Kong, and one week in London
Length of program:21 months
Enrollment: 511
Average age: 37
Average years ofwork experience: 12 years
1、芝加哥大学布斯商学院
指数：100.0
2013年排名：2
课程总花费：16.8万美元
课程安排：共约18门课程，包括4门选修课，每隔一个周末在芝加哥上课，学员在芝加哥住校学习3周，在香港和伦敦分别学习1周。
课程长度：21个月
注册人数：511
学员平均年龄：37岁
平均工作年限：12年
2. Wharton schoolof Pennsylvania university
Index: 97.8
2013 Rank: 1
Total Program Cost:$181,500 in either Philadelphia or San Francisco
Format: AlternatingFriday-Saturday classes, with an initial week-long meeting and a week-longinternational study seminar
Length of program:24 months
Enrollment: 424
Average age: 33 inPhiladelphia, 36 in San Francisco
Average years ofwork experience: 10 in Philadelphia, 12 in San Francisco
GMAT平均分：700分
2. 宾夕法尼亚大学沃顿商学院
指数： 97.8
2013年排名：1
课程总花费：18.15万美元，在费城或旧金山学习
课程安排：周五周六交替上课，学期开始时会有为时一周的会议，和一周的研讨学习班。
课程长度：24周
注册人数：424人
学员平均年龄：费城班33岁，旧金山班36岁
平均工作经验：费城班10年，旧金山班12年
GMAT（研究生管理专业入学考试）平均分：700分
13.The Kelloggschool of northwestern university
Index: 96.6
2013 Rank: 3
Total Program Cost:$176,600
Format: Classesmeet every other week from Friday through Sunday in Evanston, IL, or once amonth from Thursday afternoon through Sunday noon in Miami, FL
Length of program:22 months
Enrollment: 388
Average age: 37
Average years ofwork experience: 12
3. 西北大学凯洛格商学院
指数：96.6
2013年排名：3
课程总成本：17.66万美元
课程安排：伊利诺州埃文斯顿校区授课时间为每隔一周的周五至周日；佛罗里达州迈阿密校区每月上一次课，时间为周四下午至周日中午
课程长度：22周
注册人数：338人
学员平均年龄： 37岁
平均工作经验： 12年
19
The piketty problem why taxing the richwont solve-inequality
为何向富人征税不能解决贫富差距
It's not often thata lengthy economics book gets very much attention, but by now, many have heardof French economist Thomas Piketty's Capital in the Twenty-First Century.The685-page book has unexpectedly become a bestseller; Piketty analyzes hundreds ofyears of tax records throughout the world and arrives at a harsh reality: Therich are indeed getting richer.
一部长篇经济学的著作赢得大量关注这事可不常见，但现在，许多人听说过法国经济学家托马斯 皮凯蒂的著作《21世纪资本论》（Capital in the Twenty-First Century）。这部厚达685页的书籍意外地成为了一本畅销书。皮凯蒂分析了世界各地几百年来的征税纪录，得出一个严酷的事实：富人确实会变得更富有。
A lot of attentionhas been paid to incomes, but as Piketty highlights, the divide is much widerwhen it comes to wealth. While he has broadened the debate about inequality,what's often been missing from the discussion is what should we do about it?
很多人关注的是收入，但正如皮凯蒂强调的是，当论及财富时，贫富差距的鸿沟要大得多。尽管他拓宽了关于贫富差距的争论，但书中的讨论往往会忽略一个问题，就是我们对此该做些什么？
At least in theU.S., the prescriptionshave overwhelmingly focused on raising incomes; hardly a day goes by when the media, a city mayor,or Washington lawmakers makethe case for raising workers' minimum wage. While that might helpequalize incomes, it does nothing to help Americans build wealth.
至少在美国，提升收入成为压倒性的处方。几乎天天可以听到媒体上说，某市长或华盛顿立法者提高工人最低工资的情况。但这也许有助于均等收入，但这无助于帮美国人积累财富。
Piketty suggests levying a global wealthtax, but taxing the rich isn't necessarily the answer. What could help averageAmericans, particularly low-income households, are policies that help thembuild wealth by helping people to save more. This is an approach recently articulated by my NewAmerica Foundation colleague, William Elliott. In his report, "HarnessingAssets to Build an EconomicMobility System," he argues that the richest Americans alreadyenjoy extensive government subsidies on their savings. This year, the top 20%of income earnerswill capture two-thirds of the $140 billion in subsidies for retirement,according to estimates by the Congressional Budget Office.
皮凯蒂建议征收全球财产税，但征收富人税并不一定解决问题。能够帮助美国人、尤其是低收入家庭的是通过帮助他们存更多钱来积累财富的政策。这是近期由我在新美国基金会（New America Foundation）的同事威廉•埃利奥特提出的方式。在他的报告 “利用财产打造经济流动系统” 中指出，最富有的美国人已经因他们的储蓄而享受着大幅度的政府津贴。根据国会预算局的估计，今年美国1,400亿美元的退休补贴中，有三分之二将由收入最多的那20%的人获得。
Lower-income Americans don't have this type of support.In fact, they're explicitly discouraged from saving more if you look at rulesover federal food and income assistance programs that can make families withless than $1,000 in the bank ineligible to participate.低收入的美国人可没有这种支持。实际上，他们并不被鼓励存更多钱，如果你观察联盟的食品与收入支持项目的条例，会发现，银行存款低于1000美元的家庭都没有资格参与这些项目。
As a result, higher income families are rewarded forlong-term planning and investment and low-income families are penalized fordoing so. The point is that it takes money to make money, so how about makingsure that everyone starts out with some?
结果，高收入家庭从长期计划与投资中获得回报，而低收入家庭这样做却会被罚。重点是有钱才会生钱，所以如何保证每一个家庭都能有一些钱来开始致富呢？
There are certainly other measures that need to take place to make surethat an approach like that is successful, such as getting rid of asset limitsthat cast savingsas a liability in the minds of low-income families, as well as helping familiesbuild a financial cushion in the form of flexible savings, as the FinancialSecurity Credit would do.
当然，还需要施行其它举措来保证这一办法获得成功，比如取消资产限制，让低收入家庭将储蓄看作可靠的手段，同时帮助每个家庭建立一个以灵活储蓄为形式的财务缓冲垫，比如新美国基金会推出的金融安全信用制度（Financial Security Credit）。
As Piketty rightly observes, the continued consolidation of wealthis deeply problematic.This is true on a macroscale as well as in the day-to-day lives of families trying to make ends meet and get afew steps ahead. Replacing our flawed public policies that exacerbate this problemwith a system that facilitatesthe creation of new wealth would go a long way toward allowing more Americansto share in such a powerful driver of economic success.
就如皮凯蒂所正确观察到的，财富的持续巩固会带来深远的问题。无论是从宏观上看还是从家庭日复一日精打细算往下过，都是如此。我们有缺陷的、使贫富差距更恶化的公共政策正被取消，代之的是可以促进新的财富产生的体系，从而使更多美国人可以分享到经济成功的强大驱动力。
19
Nouriel Roubini: Call me Dr. Boom
请叫我繁荣博士
Nouriel Roubini,the famously negative economist, says it may be time to change his nickname.
著名的悲观经济学家努里尔•鲁比尼说，是时候给他换一个绰号了。
The New YorkUniversity professor, who predicted the housing bust and financial crisis, hasbeen upping his economicoutlook recently. Speaking at the annual SALT hedge fund conference inLas Vegas on Wednesday morning, Roubini said that many of the risks in the global economy havereceded. Also helping, U.S. investors no longer seem worried about politicaltrouble overseas.
鲁比尼是纽约大学教授，他曾成功预言了房地产破产和金融危机，最近对经济前景表达了积极的展望。在周三早晨SALT对冲基金于拉斯维加斯的年会上他演讲时说道，全球经济的诸多风险已然消退。而且利好的是，美国的投资者们对于海外的政治问题似乎不再担忧了。
"Next to himyou should call me Dr. Boom," said Roubini, referring to Peter Schiff,another economic forecaster onthe panel.
鲁比尼说：“我现在坐在他旁边，你们可得叫我繁荣先生了”，他指的是参会的另一位经济预测家皮特西夫。
Roubini said theEuropean Union and the Euro were looking a lot stronger than a year ago. Healso said "Abenomics" appears to be working in Japan, and the risk ofa recession has receded there. But the biggest improvement, Roubini thought, istaking place in the U.S. The deficit has shrunk and Washington appears to havecalled a truce.
鲁比尼表示，欧盟与欧元表现要比去年强劲许多。他也提到“安倍经济学”显示出在日本正发挥着作用，经济衰退的风险也已经消退。不过他认为，美国取得的进展最大，其财政赤字缩小了，华盛顿似乎也已进入“休战期”。
The discussion --which also included former Fed Governor Laurence Meyer, Schiff, the formerprime minister of Greece George Papandreou, and politician-turned-MorganStanley-employee Harold Ford -- turned to deflation. Schiff said deflationcould be good for the U.S. Roubini called that notion nonsense. He said the Fedhad done a good job ending the threat of deflation or a slowdown. 会议讨论的主题转向通缩，参与讨论的还包括美联储（Fed）前理事劳伦斯•迈耶、经济学家彼得•希夫、希腊前总理乔治•帕潘德里欧以及政治家出身的摩根士丹利（Morgan Stanley）雇员哈罗德•福特。希夫称通缩对美国有益，鲁比尼称此观点是荒谬的，他说，美联储终止了来自通缩或一场经济减速的威胁是对的。（美联储在终结通缩或经济放缓的威胁方面做得很好。）