你的理财方式属于哪种?

Eric Schurenberg is the managing editor of money magazine in this August issue, in which this quiz appears, you are here to tell us what we might find. Why is it so important to come up with your money personality type?

Eric Schurenberg: Well, you know because people are just not rational about their money, you can't just say well you are always gonna do the smart thing because you'll think it through, instead the way you handle money is governed by behavior patterns, by your irrational¹ thought, by your emotions, as so knowing the kind of prejudices that you go into money decisions with will help you make the right decisions, and avoid the same old mistakes.

Ok, so after you take this quiz, you should find out if you're a guardian², that's, this discipline is the key to security, is guardian the best thing to be?

Well, It's the one that most people are, most Americans are, is it the best thing to be. Well,you know, like all money types, there are good types and bad types. You have a lot of self-discipline if you're a guardian, ohh, financial security matters a lot to you, on the other hand, you are likely to be a little too conservative , and make choices that don't get you sometimes you have to take risks in the market to get ahead.

Exactly.

And if you get mostly Cs , if your answer are mostly Cs to our short pop quiz there, you are a guardian. On to the next one, the next personality type is an idealist, I think that's probably what I am, because money just isn't the top priority .

That's right, you are more concerned with helping³ other people, and that's a good thing too for lots of reason, and doing fun stuff matters a lot too. But you know that's a good thing , it' also a good financial thing, because if you are not that concerned about money you are not chasing every squiggle of the stock market, and making decisions based on really short term thing; on the other hand if you don't have a financial plan , you may not reach your goals, so something you wanna pay attention to.

OK! So, if your answer are mostly Bs, you are an idealist. ok what's next, Brian? I couldn't hear you: Artisans, this is interesting, Artisans, which I wouldn't figure to be a money personality type , so if your answers are mostly As, you are an artisan , what's an artisan?

Artisans are people who are...they're willing to take risks, they go on gut⁴ instinct a lot. That’s a pretty good thing too. Sometimes you can, if you are willing to take risk, you buy a lot of stocks, and that sort of thing, you do...it works out for you in the long-run, on the other hand, artisans are not the type to do a series of long term financial plan, and so sometimes they have to put things into place like automatic savings⁵ plans so that they get that kind of a regular financial planning thing going.

Ok, Rational, what Chad?

If you said A to one of those questions, that was the one that said you strongly agree that financial advisors⁶, you know, are great or whatever the quest of term was, right?

I think so , I can't remember though, but good point, Eric saying you are right, Chad, Chad's always right, isn't he?and it kind of makes me nauseated⁷ .

If your answers are mostly Ds, you are a rational personality money type. That seems to me the best way to be.

Well, it has its strengthes and it has its weaknesses too. Rationals believe cool reason prevails and it means that you take a lot of satisfaction out of putting complex financial plans into place. That's a good thing for obvious reasons. The bad side is that you tend to think that you can outsmart the market, and the market is not a rational place, so soon that can get you into trouble.

Eric Schurenberg from the Money magazine, thank you so much. If you wanna know more, if you wanna take this quiz, it's in Money magazine and the August issue. And you can learn a lot about yourself and possibly make yourself some money too.

1 irrational   

adj.无理性的，失去理性的

参考例句：

• After taking the drug she became completely irrational.她在吸毒后变得完全失去了理性。
• There are also signs of irrational exuberance among some investors.在某些投资者中是存在非理性繁荣的征象的。

2 guardian   

n.监护人；守卫者，保护者

参考例句：

• The form must be signed by the child's parents or guardian. 这张表格须由孩子的家长或监护人签字。
• The press is a guardian of the public weal. 报刊是公共福利的卫护者。

3 helping   

n.食物的一份&adj.帮助人的，辅助的

参考例句：

• The poor children regularly pony up for a second helping of my hamburger. 那些可怜的孩子们总是要求我把我的汉堡包再给他们一份。
• By doing this, they may at times be helping to restore competition. 这样一来, 他在某些时候,有助于竞争的加强。

4 gut   

n.[pl.]胆量；内脏；adj.本能的；vt.取出内脏

参考例句：

• It is not always necessary to gut the fish prior to freezing.冷冻鱼之前并不总是需要先把内脏掏空。
• My immediate gut feeling was to refuse.我本能的直接反应是拒绝。

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 advisors   

n.顾问，劝告者( advisor的名词复数 )；（指导大学新生学科问题等的）指导教授

参考例句：

• The governors felt that they were being strung along by their advisors. 地方长官感到他们一直在受顾问们的愚弄。 来自《现代汉英综合大词典》
• We will consult together with advisors about her education. 我们将一起和专家商议她的教育事宜。 来自互联网

7 nauseated   

adj.作呕的，厌恶的v.使恶心，作呕( nauseate的过去式和过去分词 )

参考例句：

• I was nauseated by the violence in the movie. 影片中的暴力场面让我感到恶心。
• But I have chewed it all well and I am not nauseated. 然而我把它全细细咀嚼后吃下去了，没有恶心作呕。 来自英汉文学 - 老人与海