华尔街的赚钱经 投资捷径与陷阱(8)

Don't Ignore Common Sense

不要忽视常识

Much heartbreak in the recent past has stemmed from an ignorance of common sense. Fraudsters promising¹ overabundant returns snookered many investors². Some people viewed housing and the stock markets as never-can-lose gambits. Others spent far more than they had.

最近令人心碎的事大部分源于对常识的忽视。骗子承诺的过于丰厚的回报涯骗了很多投资者。有些人认为房市和股市是只赚不赔的买卖，有些人则入不敷出。

Personal finance, at its heart, boils down to common sense. You have to eliminate your high-cost debt and get on a budget. You must save for retirement³. And you need to make sure that you own a home you can afford and enjoy, as opposed to seeing it as a get-rich-quick scheme.

个人理财归根到底是常识的问题。你必须消除高成本负债，进行预算。你必须为退休攒钱。你还要确保自己拥有一座负担得起、又可以享受的房子，而不是把房子看成是一个一夜暴富的工具。

In short: Be prudent⁴, save money, invest wisely. Getting back to these very basics will help all of us rebuild our portfolios⁵ and set sail for a better day.

简而言之要谨慎、攒钱、明智地投资。回归这些基本点将帮助我们所有的人重建投资组合，迎接更美好的生活。

1 promising   

adj.有希望的，有前途的

参考例句：

• The results of the experiments are very promising.实验的结果充满了希望。
• We're trying to bring along one or two promising young swimmers.我们正设法培养出一两名有前途的年轻游泳选手。

2 investors   

n.投资者，出资者( investor的名词复数 )

参考例句：

• a con man who bilked investors out of millions of dollars 诈取投资者几百万元的骗子
• a cash bonanza for investors 投资者的赚钱机会

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 prudent   

adj.谨慎的，有远见的，精打细算的

参考例句：

• A prudent traveller never disparages his own country.聪明的旅行者从不贬低自己的国家。
• You must school yourself to be modest and prudent.你要学会谦虚谨慎。

5 portfolios   

n.投资组合( portfolio的名词复数 )；（保险）业务量；（公司或机构提供的）系列产品；纸夹

参考例句：

• Price risk arises in non-trading portfolios, as well as in trading portfolios. 价格风险中出现的非贸易投资，以及在贸易投资组合。 来自互联网
• How do we fatten our portfolios and stay financially healthy? 我们怎样育肥我们的投资结构和维持财政健康呢？ 来自互联网