给毕业生的建议 (续)
刚毕业的学生脑子里一定要有一个清楚的理财计划，不然很可能会因为起薪太低、导致你入不敷出、债台高筑。Start a Debt Freedom Campaign
负债行动
Got student loans and credit card debt to pay off? One tactic that's worked for a lot of readers is to start a debt freedom blog. Use an online calculator to figure out a date by which you want to be debt free, and a realistic monthly sum to save -- say, $50 -- that will get you there. Then, post about your progress as a way of keeping yourself to that promise.
See this personal finance blog aggregator for lots of great suggestions and models for your blog.
Get Rewards for Saving and Budgeting Online
从在线理财中获得的好处
Personal finance sites marketed to GenDebt are growing every day, and anything that starts the saving habit is a good idea.
At Billeo.com, you can build your credit score by simply paying bills. SmartyPig.com, a startup, offers retail rewards and a relatively high interest rate for saving online, with a fun, social format; Wachovia's Way2Save and the site whatareyousavingfor.com, sponsored by a credit union in North Carolina, offer similar savings rewards. 不知道该找什么样的工作？想考虑继续读书？仔细想想吧！也许会有更好的选择。
Consider a Hot or Green Career
考虑更热门或绿色的职业
Education and health services top the list of employment sectors with the biggest and fastest growth, and with significant public spending in these areas, they'll still be hiring, even in a shrinking economy.
"Green jobs" are another broad area where I see big opportunities. The UN reported that the environmental industry created 5.3 million jobs in 2005.
Green jobs range widely -- from scientists developing renewable energy technologies, to engineers, lawyers, green architects and designers, and even organic farmers and gardeners.
Recycling, waste management, and remediation are special growth areas, along with renewable energy. Senator Barack Obama(D-IL), for one, has proposed $150 billion in federal investments to create even more green jobs.
You can find dedicated listings of green jobs at sites such as sustainablebusiness.com, greenjobs.com, and treehugger.com.
Be Flexible and Optimistic
乐观、灵活
An interesting nuance to the research on recession and income: One study found that "graduating in a recession leads workers to start at smaller and lower-paying firms, and they catch up by switching jobs more frequently than those who graduate in better times." 经济不景气时毕业的学生起薪通常较低，但之后他们会频繁跳槽、赶上那些在繁荣时期毕业学生的薪水。
At first, the study by the National Bureau of Economic Research found, recession grads can take a hit in earnings of up to 9 percent compared to boom-time graduates, but those losses are made up over time by trading up more often. So while you're working hard at making yourself indispensable at your first job, don't get too comfortable. Keep an eye out for new companies, positions, and industries that might lead you toward your passion.
One last point: In the past, recessions have led to bumps in grad school enrollment because staying in school looks preferable to jumping into a dicey job market. I would urge any new grads to get a couple of years of work experience under their belts and research their field thoroughly before rushing back to school and taking on more student loans. 在经济不景气的时期，研究生考试也会变得竞争激烈，这是因为看起来多读几年书要比投身一个不确定的就业市场要好。这里建议毕业生们最好能积累几年工作经验、充分研究自己的领域后再回学校读书，因为读书可能意味着承担更多的贷款。
But whatever you do, don't stop learning new skills, developing your particular talents, and keeping an open mind about opportunities. That's what will make you indispensable -- no matter how the economy is doing. 学习
回复 3# 的帖子
izy ,are you a student ?:qq82] 我对钱一贯把握得不错只不过近几年来 为了交际 养成了一些坏习惯而已了:lol
回复 5# 的帖子
bad habit??what's that? :lol :lol页:
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