商业周刊:新冠疫情下的紧急财务计划指南(1)

Your Emergency Financial Planning Guide, Pandemic Edition

紧急财务计划指南（流行病版）

The lockdown has many people scrambling¹ for cash. Here's where to look.

封锁令许多人争先恐后地抢钱，这是我们要探讨的事情。

We do many things to try and ward² off future pain: Get annual physicals. Save for retirement³.Buy insurance.

我们做了很多事情，来避免未来遭受痛苦：每年做一次体检、为退休存钱、购买保险。

Drawing up plans to combat the financial devastation⁴ from a global pandemic hasn't been one of them.

制定应对全球大流行病造成的金融灾难的计划并不算作其中之一。

With careers and nest eggs suddenly seeming more fragile, many financial planning issues pushed to the side during a bull market take on new urgency.

随着职业和养老金突然变得更加不稳固，在牛市期间，许多被搁置一边的财务规划问题，变得更加紧迫。

"A lot of people have been going through life without a good pulse on their finances, because everything has kind of been working out,"

“很多人在生活中并未很好地了解理财，因为一切都规划好了，”

says financial planner Mitchell Kraus of Santa Monica, Calif.-based Capital Intelligence Associates.

加州圣莫尼卡的理财规划师米切尔·克劳斯表示，

"They're now questioning what they thought they knew and looking for unique solutions or for more details,

“他们现在开始质疑他们认为自己知道的事情，并寻找独特的解决方案或更多细节，

because solutions aren't as easy as they used to be."

因为解决方案不像以前那么容易了。”

Among the questions bubbling up: What are options for quickly building or beefing up an emergency fund?

在不断涌现的问题中：快速建立或加强应急基金有哪些选择？

What costs could be cut or trimmed if household income has been slashed—and cash flow was already stretched to cover college tuition and a mortgage or two?

如果家庭收入被大幅削减，现金流已经紧张到只够支付大学学费和一两笔抵押贷款时，有什么成本可以削减吗？

What can be done now to better prepare for an uncertain future?

现在，可以做些什么来更好地为不确定的未来做准备？

New federal measures offer temporary help with putting off certain bills or tapping tax-qualified savings⁵.

新的联邦措施提供了暂时的帮助，推迟某些法案或利用税收优惠式储蓄。

For those in dire⁶ need, these options may be a lifeline.

对于那些急需帮助的人，这些选择可能是救命稻草。

But if you have the luxury of enough cash flow for now, weighing the longer-term consequences of those moves is time well spent,

但是，如果你现在有足够的现金流，权衡这些举措的长期后果需要花费很多的时间，

as is exploring other ways to boost financial flexibility⁷.

探索其他增强财务灵活性的方法也是如此。

Borrowers with federally held student loans are getting immediate⁸ relief.

拥有联邦政府持有的学生贷款的借款人，能立即得到救济。

Payments are automatically suspended and interest waived⁹ until Sept. 30.

付款自动暂停，利息免除到9月30日。

You'll still owe the same principal, so you'll have to pay it later.

你还欠着同样的本金，所以以后还得偿还。

You can choose to continue to make payments, however, if you want to pay off the debt faster.

但是，如果你想更快地还清债务，可以选择继续还款。

The relief doesn't extend to private student loans.

这项救济并未扩展到私人学生贷款。

Some private lenders are allowing forbearance periods, with caveats¹⁰, but interest accrues¹¹.

一些私人放贷机构允许有一些附带附加说明的宽容期，但会产生利息。

1 scrambling   

v.快速爬行( scramble的现在分词 )；攀登；争夺；（军事飞机）紧急起飞

参考例句：

• Scrambling up her hair, she darted out of the house. 她匆忙扎起头发，冲出房去。 来自《现代英汉综合大词典》
• She is scrambling eggs. 她正在炒蛋。 来自《简明英汉词典》

2 ward   

n.守卫，监护，病房，行政区，由监护人或法院保护的人（尤指儿童）；vt.守护，躲开

参考例句：

• The hospital has a medical ward and a surgical ward.这家医院有内科病房和外科病房。
• During the evening picnic,I'll carry a torch to ward off the bugs.傍晚野餐时，我要点根火把，抵挡蚊虫。

3 retirement   

n.退休，退职

参考例句：

• She wanted to enjoy her retirement without being beset by financial worries.她想享受退休生活而不必为金钱担忧。
• I have to put everything away for my retirement.我必须把一切都积蓄起来以便退休后用。

4 devastation   

n.毁坏；荒废；极度震惊或悲伤

参考例句：

• The bomb caused widespread devastation. 炸弹造成大面积破坏。
• There was devastation on every side. 到处都是破坏的创伤。 来自《简明英汉词典》

5 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。

6 dire   

adj.可怕的，悲惨的，阴惨的，极端的

参考例句：

• There were dire warnings about the dangers of watching too much TV.曾经有人就看电视太多的危害性提出严重警告。
• We were indeed in dire straits.But we pulled through.那时我们的困难真是大极了，但是我们渡过了困难。

7 flexibility   

n.柔韧性，弹性，（光的）折射性，灵活性

参考例句：

• Her great strength lies in her flexibility.她的优势在于她灵活变通。
• The flexibility of a man's muscles will lessen as he becomes old.人老了肌肉的柔韧性将降低。

8 immediate   

adj.立即的；直接的，最接近的；紧靠的

参考例句：

• His immediate neighbours felt it their duty to call.他的近邻认为他们有责任去拜访。
• We declared ourselves for the immediate convocation of the meeting.我们主张立即召开这个会议。

9 waived   

v.宣布放弃( waive的过去式和过去分词 )；搁置；推迟；放弃（权利、要求等）

参考例句：

• He has waived all claim to the money. 他放弃了索取这笔钱的权利。 来自《简明英汉词典》
• I waived the discourse, and began to talk of my business. 我撇开了这个话题，开始讲我的事情。 来自辞典例句

10 caveats   

警告

参考例句：

• I would offer a caveat for those who want to join me in the dual calling. 为防止发生误解，我想对那些想要步我后尘的人提出警告。 来自辞典例句
• As I have written before, that's quite a caveat. 正如我以前所写，那确实是个警告。 来自互联网

11 accrues   

v.增加( accrue的第三人称单数 )；（通过自然增长）产生；获得；（使钱款、债务）积累

参考例句：

• If you put money in the bank, interest accrues. 如你将钱存于银行，则自然生息。 来自《现代英汉综合大词典》
• Interest accrues on a bank accout. 银行账户的利息在增长。 来自《简明英汉词典》