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1、外文翻译原文Finance,PersonallySpeakingMaterialSource:www.onlinemag.netAuthor:MarydeeOjalaThatit’sbeenatougheconomicclimatethesepastfewyearsisundeniable.Punditsdebatedwhetherwewereinaglobalrecessionoranactualdepression.Wehadacreditcrunch,thebailoutsoflargecompaniesbynationalgovernments,andcorporatebankru
2、ptcies.Jobsdisappeared;industriesshrunkdrastically;housingpriceswentintofreefall;andconsumerspendingdriedup.What’sanareaofgrowth?Giveadviceonpersonalfinance.Nowadays,peoplethinkmoreabouttheirpersonalfinances.Nolongerdoesmoneyjustcomerollingin.Investmentslosevalue.Furloughdaysandsalarycutsmeanlessd
3、isposableincome.Pricesgoup.Wherewillpeoplefindthemoneyforretirement,foreducatingtheirchildren,forbasiclivingexpenses?Whatabouthowtohandlemedicalexpenses?Isthistherighttimetobuyahouse?Whatinvestmentsarerecession-proof,ifany?Whatmoneymanagementtechniquesactuallyprovidetangiblebenefits?Canyouaffordav
4、acation?What’sthebestwaytoputtogetherabudget?Whenthinkingofonlineresourcestohelpanswerquestionssuchasthese,toprovidefinancialguidance,andtocreatesensiblefutureplanning,it’seasytobecomeoverwhelmed.Everyoneandhisbrother,maybeeventhefamilydog,wantstogiveadviceonpersonalfinance.Thetroubleis,thosebitso
5、fadvicecanvarytremendouslyfromonesourcetoanother.Thefirstthingtorecognizeisthatpersonalfinanceisjustpersonal.Advicethatisrelevanttoasingle25-yearoldpersonwillbeinappropriateifappliedtoamarried65-yearoldperson.Existingconditionscanaffectthevalidityofpersonalfinanceadvice.Someonewhohaslivedinthesame
6、houseforyearsandhaspaidoffthemortgageisinaverydifferentfinancialsituationfromsomeoneofthesameageandincomebracketwhojustboughtahomeandislookingatmortgagepaymentsstretchingout30years.Secondly,personalfinanceisoftengovernedbywhereyoulive.Ifyou’reinacountrythathasnationalhealthcare,youdon’thavethesame
7、financialconsiderationsformedicalcareasyouwouldinacountrythatlacksnationalhealthcare,suchastheU.S.Stock-pickingtipsforyourpersonalportfolio,however,usuallytranscendnationalborders.Adviceaboutpersonalfinanceoftenc
