金融英語泛讀:讓你致富的八門大學課程

The Courses that Make You Rich in University讓你致富的八門大學課程

Is it common knowledge that school doesn't prepare you well for the real world?

Sure, you can get a good degree, find a well-paying job, work until you're in your 60s, and then retire to enjoy the life you've deferred for 40 years. However, that may not prove to be a successful life, a secure life, a financially sound life.A lot will depend on your outlook and your goals but know this：School doesn't prepare you well for achieving wealth or becoming an entrepreneur and it downright fails at teaching you how to be rich.Nevertheless, school is here to stay.For now.Thus, it helps to identify which classes are the most relevant and helpful for those of us looking to become rich entrepreneurs.There are, in fact, several courses that contain critical information and instruction that, if used correctly, will put you on your path to riches.

Accounting

Although this list is in no particular order, I think Accounting is, by far, the most important course to take if you want to succeed financially. Today's“credit crunch”illustrates that there are too many people who do not understand a balance sheet.Someone who walks into Best Buy and pays for a 47-inch plasma television with a credit card does not comprehend the difference between an asset and a liability.

Learning the difference between assets and liabilities, as well as concepts like inventory and cash flow, is essential if you intend on keeping your finances in order. Moreover, these concepts are crucial if you want to start your own business.The health of a business is reflected in its balance sheet and financial statement.As those numbers go, so does the business.Accounting will help you understand that cash flow is what helps a business succeed, and it is what helps you as an individual succeed.

Marketing

If you intend on making money from selling something（which, incidentally, is how any business makes money），then you need to learn how to find the right product. Marketing, in and of itself, is not selling.However, it helps you learn how to promote certain products and services.By taking Marketing, you can understand the process involved in figuring out what consumers want, focusing on a product that satisfies those desires, and the attempt at moving consumers toward that product.

Too often, products fail because their creators didn't bother to learn whether a market existed for that product. This process involves research and time, but, in the end, it can save a business thousands, if not millions, of dollars.As an entrepreneur, it can also save you valuable time and money.Find the market first, and then develop the product.

Economics

Understanding the production, distribution, and consumption of goods and services is essential if you want to take a big picture approach to business and investing. The current state of the U.S.economy is a combination of various factors（i.e.consumer over-spending, speculative real estate investing, fragile lending practices, a weakening dollar, low supply of oil, etc.）.

If you understand how the economy got to the point where it is today, it helps you identify where your money should be. You can pick out the right investments and turn away from the bad ones.You can identify which direction your business should go in, including whether to take advantage of certain trends or cut out excess inventory.

Economics is a vital ingredient in a person's financial education. The world is now a global marketplace, and the supply and demand of goods and services operate at that level.

Finance

Finance helps you understand how the time value of money works and how various investment vehicles operate. One of the keys to becoming rich is comprehending how money works when it's not in your hands.A finance course（preferably one geared towards entrepreneurship）will teach you what you need to know to reach this level of understanding.There might be some math involved, but it won't kill you.It'll just make you a stronger and more savvy investor.

Any American History Course

History can be boring. But if you look at history from a different viewpoint, it can open doors for you.The most valuable aspect of history is its ability to convey to us the mistakes of others.Studying history helps you learn from others mistakes so that, hopefully, you won't commit the same mistakes.

American history is filled with mishaps, wrong turns, and terrible decision-making, both at the national political level and at the business level. Look at these errors, and figure out how a better decision could have been made.

Writing and Composition

Succeeding as an entrepreneur requires that you be able to express yourself and your ideas. Whether it involves pitching an idea to an investor, writing a press release, or composing a business plan, entrepreneurs need to communicate.More often than not, this communication is done in writing.Basic composition and grammar skills can do wonders for your ability to convey your ideas and your mindset.

Any Literature Course

Literature, like history, contains valuable lessons that emanate from years of experience and wisdom. Why not draw on these sources of information?There is no limit to the topics covered by novels.Ernest Hemingway's books are full of inspirational messages.Oscar Wilde provides brilliant business advice.Henry David Thoreau is the master of teaching self-reliance.These books and others provide timeless principles of personal development and, just as important, wealth creation.Management

One of the problems with“bosses”is that they don't know how to manage people. If you want to own and run a business, you need to manage that business effectively and efficiently.An understanding of management concepts and learning different techniques and skills will not only make you likable, but they will also help you make more money.

學生通過學校的學習并不能掌握應對殘酷現(xiàn)實世界的技能，這是否已經(jīng)成為所有人的共識了呢？

當然，你可以通過上大學獲得一個好學位和一份高薪工作，接著工作到60歲，然后開始享受退休生活，享受遲來了40余年的那份安逸快活。但是，這并不能保證你就能過上成功、穩(wěn)定并且富裕的生活。你要明白，學校是不會在讓學生變富?；虺蔀橐幻髽I(yè)家方面下大功夫的，換句話說就是，學校在傳授學生如何變得富有這方面，是徹底的失敗者。

不過，目前學生還是要待在學校里學習的。尤其對于那些想成為富人的學生來說，學?？梢詭椭氵x擇一些最有幫助的相關課程。實際上，有些課程能夠提供十分關鍵的信息和指導。如果你能加以充分利用，那么財富就會在不遠處向你招手。

會計學

雖然排列的順序沒有特殊的意義，但是我覺得如果你想要獲得經(jīng)濟上的成功，那么會計必是首選的課程。當今的信用危機不正好說明了有很多人對保持收支平衡都很不在行嗎？人們在好購刷卡購買一臺47英寸等離子電視的時候還是分不清財產(chǎn)和負債的區(qū)別。

如果想要使你的財政狀況保持有序，你就需要對這兩者間的差別，還有貨物清單及現(xiàn)金流這些概念有所了解。此外，當你想自己創(chuàng)業(yè)時，這些概念也很重要。生意的好壞都會在收支平衡表和財政結算表中有所反映。如果這些表上的數(shù)據(jù)不夠理想，那么你的生意也不會好到哪兒去。通過學會計學，你會知道現(xiàn)金流的保有能使你取得生意上的成功，進而幫助你取得人生的成功。

市場營銷

如果你想要從銷售（這也是絕大多數(shù)公司賺錢的方式）中賺到錢，那么你就得學會找到合適的產(chǎn)品。市場營銷從本質上來說并不等于銷售，不過它會讓你學會怎樣去推銷產(chǎn)品和服務。通過學習市場營銷，你就會明白消費者想要什么樣的商品，把精力集中到能讓消費者滿意的商品上，并試著讓他們對那件產(chǎn)品有購買的欲望。

產(chǎn)品不暢銷，通常都是因為其生產(chǎn)商事先沒有調查和確定這件產(chǎn)品的市場前景。雖然在這個過程中既要做市場調查又要消耗一些時間，不過卻能幫公司省掉成千上萬，甚至百萬、千萬美元的損失。對于一位企業(yè)家來說，它還可以幫忙節(jié)省許多寶貴的時間和金錢。因此，首先要認真調研市場，其次才是著眼于產(chǎn)品本身。

經(jīng)濟學

如果想全面了解投資與生意，那你就得對貨物和服務的生產(chǎn)、分配以及消費這些方面有所了解。當前美國的經(jīng)濟狀況是由多種因素造成的，例如消費者的過度消費、房地產(chǎn)的投機猖獗、過于脆弱的借款機制、美元的疲軟，以及石油供應不足等。了解經(jīng)濟發(fā)展的態(tài)勢，會讓你看清投資方向。進而，你就可以避免錯誤的投資并找到正確的投資領域。此外，你還能清楚地洞察到自己生意的未來走向，比如你是應該緊跟當前的風頭增加貨源，還是應該清理積壓商品，等等。

經(jīng)濟學在個人的金融教育中是一個不可或缺的因素。當今世界已經(jīng)變成了一個全球市場，所有的貨物及服務的供求都在這個大市場中進行。

金融學

金融學會幫你理解錢的時間價值以及不同投資機構的運行方式。要想發(fā)財，關鍵之一就是要了解：當錢不在你手上的時候，它們是如何運作的。金融課程——最好是針對如何管理企業(yè)的課程，會教你怎樣達到那樣的理解層次?；蛟S這會涉及數(shù)學，但并不會太難。相反，它會讓你成為一名更強、更有悟性的投資人。

任意一門美國歷史課

歷史可能很枯燥。但是如果你能換一個角度去看待它，你就會得到很多有用的啟示。你能從歷史中看到他人所犯的錯誤，這是它最有價值的地方。此外，對歷史的學習能夠讓你避免再犯前人所犯過的錯誤。

美國歷史充斥著許許多多的災難、錯誤的轉折，以及可怕的決定——不論是政治的還是經(jīng)濟的。你要做的，就是研究這些錯誤，并找出更好的解決辦法。

寫作

要想成為一名成功的企業(yè)家，你必須具有表達自己的觀點以及表達自己的能力。因為無論是要向投資者表述一個構思、起草記者會文稿，還是擬訂一份商業(yè)計劃書，你都需要與別人溝通，而且大多數(shù)情況下，這種溝通都是通過書面形式完成的。當你在表達自己的觀點和想法時，熟練掌握基本的寫作以及語法技巧能讓你事半功倍。

任意一門文學課程

文學和歷史一樣，飽含了前人留下的寶貴經(jīng)驗和才智。鑒于此，為什么不將這些寶貴資源充分利用呢？小說所涵蓋的主題是不受任何限制的。歐內斯特·海明威的小說的內容能激發(fā)人們的靈感。奧斯卡·王爾德會提供十分獨到的、精辟的商業(yè)建議。亨利·戴維·梭羅則是教人自助自立的大師級作家。這些書能夠提供的原理古今通用，不僅可以促進個人發(fā)展，還能幫助你創(chuàng)造財富。

管理學

老板們的一個通病，就是不知道如何管理好自己的員工。如果想要經(jīng)營一門生意，你必須能高效高速地處理問題。當你對管理的理念有所了解，又掌握了多種應對方法和技巧之后，你這個老板就會變得人見人愛，而且還能賺到更多的錢。

實戰(zhàn)提升

核心單詞

downright['daunrait]adv.完全地，徹底地

accounting[?'kaunti?]n.會計；會計學

inventory['inv?ntri]n.存貨清單；存貨盤存

emanate['em?neit]v.發(fā)源

財經(jīng)知識一點通

信用危機（credit crisis）

信用危機的主要表現(xiàn)是：商業(yè)信用和銀行信用遭到破壞，大批銀行倒閉，商業(yè)信用需要減少，借貸資本的需要大大超過供給，利息率急劇上升。

現(xiàn)金流（cash flow）

一般是針對企業(yè)而言的，所以現(xiàn)金流是指某一段時間內企業(yè)現(xiàn)金流入和流出的數(shù)量，比如企業(yè)銷售商品、提供勞務、出售固定資產(chǎn)、向銀行借款、上市等，都會取得現(xiàn)金，形成現(xiàn)金流入；購買原料、支付工資、構建固定資產(chǎn)、對外投資、償還債務等，都需要支付現(xiàn)金，從而形成企業(yè)的現(xiàn)金流出。

翻譯練習

ls it common knowledge that school doesn't prepare you well for the real world?

Too often, products fail because their creators didn't bother to learn whether a market existed for that product.

lf you want to own and run a business, you need to manage that business effectively and efficiently.