商业周刊:新冠疫情下的紧急财务计划指南(1)（在线收听）

Your Emergency Financial Planning Guide, Pandemic Edition

紧急财务计划指南（流行病版）

The lockdown has many people scrambling 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 ward off future pain: Get annual physicals. Save for retirement.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 devastation 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 savings.

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 dire 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 flexibility.

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 immediate 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 waived 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 caveats, but interest accrues.

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。