如何應對經(jīng)濟困境（一）
How do I manage it if I want to learn singing, but I don''''t have money? The economic condition is very bad, and I don’t have a job. How do I deal with this situation?
譯文簡介
如果我想學唱歌，但又沒有錢，我該怎么辦?經(jīng)濟形勢非常糟糕，我沒有工作。我該如何處理這種情況?
正文翻譯
How do I manage it if I want to learn singing, but I don't have money? The economic condition is very bad, and I don’t have a job. How do I deal with this situation?
如果我想學唱歌，但又沒有錢，我該怎么辦?經(jīng)濟形勢非常糟糕，我沒有工作。我該如何處理這種情況?
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What are top advices about how to manage money?
1) Avoid easy credit and use it as infrequently as possible. Have only ONE credit card and pay it off in full WITHOUT FAIL every single month no matter how much you have to sacrifice to do it. Credit card debt is insidious and one of the easiest things to get into and one of the hardest to get out of. Avoid it as much as possible.
2) Make a budget and know where your money goes every month. Make sure your income covers your bills. Your mortgage is your most important bill. It must be paid beffore everything else. Your house is your most important asset. Never risk your house.
關(guān)于如何理財，最好的建議是什么?
避免輕易使用信用卡，盡量少用。只有一張信用卡，無論你為此付出多少代價，每個月都要還清。信用卡債務是陰險的，是最容易陷入的事情之一，也是最難擺脫的事情之一，盡量避免。
做一個預算，知道每個月你的錢都花到哪里去了。確保你的收入能支付你的賬單。你的抵押貸款是你最重要的賬單，必須先還這筆錢。你的房子是你最重要的資產(chǎn)，永遠不要拿你的房子冒險。
4) Avoid gambling.
5) The stock market is gambling. There are almost never any sure things, hot tips, guarantees. Just because a stock falls doesn''t mean it can''t go lower, including all the way to zero. If you want to invest in the stock market use Vanguard S&P 500 Index funds. Nothing has beaten them over 20 years. Use dollar cost averaging and put the same amount in every month regardless of whether the stock market goes up or down. Do it every month . It''s the best way to invest in the stock market.
每個月都把部分錢投入到某種退休投資中。你在生活中越早這樣做，你退休時，回報就越大。學習并理解“72法則”，它告訴你在特定利率下需要多長時間才能翻倍。用72除以利率利率，結(jié)果通常是你的錢翻倍所需的年數(shù)。在10%的情況下，你需要7.2年的時間才能把錢翻倍。20歲時存下的100美元在69歲時變成了700美元。
避免賭博。
股市就是賭博。幾乎從來沒有任何確定的事情，熱點提示和保證都不可靠。僅僅因為一只股票下跌并不意味著它不能走低，包括一路跌至零。如果你想投資股市，可以投資Vanguard標準普爾500指數(shù)基金。20多年來，沒有什么能打敗它們。使用美元成本平均法，無論股市是漲是跌，每個月都要投入相同的金額。每個月都要做。這是投資股票市場的最佳方式。
7) If you MUST take college loans take the absolute minimum you need and never, ever use the money frivolously -- a 20 dollar pizza ends up costing 80 dollars over 30 years.
8) Save money for a rainy day. Some experts say that you should have six months salary in cash (such as a money market) for emergencies. At a minimum have some cash on standby in a money market or easy to access and liquidate account for emergencies. An emergency WILL happen sooner or later -- it''s the nature of life.
如果可以的話，買一些房產(chǎn)。不管怎樣，即使價值下跌，你仍然擁有房產(chǎn)。土地的首要因素是它堅不可摧。這就是土地的定義之一。做研究如果可以的話，買一個家，而不是一個計劃出售賺錢的“投資”。如果它真的升值了，那你就成功了。如果沒有升值，你還有地方住。記住，當談到房地產(chǎn)時，位置是關(guān)鍵——在一個好的社區(qū)里，一棟平庸甚至相當糟糕的房子幾乎總是比在一個糟糕的社區(qū)里的一棟好房子更好。
如果你必須借大學貸款，那么就借你需要的最低限度的貸款，永遠不要輕率地使用這筆錢——一個原本20美元的披薩在30年內(nèi)最終要付出80美元的代價。
存錢以備不時之需。一些專家說，你應該存下六個月的工資現(xiàn)金（比如貨幣市場）以備不時之需。至少在貨幣市場上有一些現(xiàn)金備用，或者在緊急情況下可以方便地提取和清算的賬戶。緊急情況遲早會遇到——這是生活的本質(zhì)。
10) Break bad and expensive habits and put the money into savings. A pack a day cigarette habit costs you over 3500 in a year. In an S&P Index fund that 3500 dollars could be worth over 100,000 dollars by the time you retire. The same goes for booze.
11) Avoid any investment scheme you don''t understand or can''t be made to understand easily. Anyone who tries to sell you an "investment vehicle" and can''t explain how it works to a fifth grader is conning you.
孩子一出生，就為他設立一筆大學基金。鼓勵親屬給現(xiàn)金，而不是那些會被閑置或遺忘的禮物。即使是小額現(xiàn)金，每月至少存一次。
改掉壞的和花錢的習慣，把錢存起來。一天一包煙的習慣一年要花掉你3500多元。在標準普爾指數(shù)基金中，到你退休時，3500美元的價值可能超過10萬美元，酒也是如此。
避免任何你不理解或不容易理解的投資計劃。任何試圖向你推銷一種“投資工具”的人，卻不能向一個五年級學生解釋它是如何運作的，那他就是在欺騙你。
13) The older you get after the age of 35 you should be investing more money in US bond funds. They NEVER lose value. It''s easy to invest online using I bonds from U.S. Department of the Treasury. Open and account and put the minimum in. Some experts say that you should increase the percentage of money you save in bonds one percentage point every year until you retire. Many older people were destroyed when their 401Ks crashed in 2008. That didn''t happen to bonds.
14) Many people will talk about the chipping away of earnings through taxes and inflation. You can minimize this by using a good and trusted accountant. Shop around, talk to them and pick the right guy. He can help you minimize your tax burden far more than HR Block or doing it yourself with tax software, especially if your tax situation becomes more complex as you mature. This is not always true but it is often true.
千萬不要買新車，總是買一輛二手車。新車幾乎不保值。所有的車輛都是在貶值的資產(chǎn)，包括船、露營車、汽車、卡車、摩托車等等。要想在一輛“經(jīng)典”或“古董”汽車上實現(xiàn)收支平衡，需要大量的投資和工作。
35歲以后年齡越大，你應該把更多的錢投資于美國債券基金。它們永遠不會失去價值。在線投資美國財政部的I類債券很容易，開立賬戶存入最低金額就行。一些專家說，在退休之前，你應該每年將存在債券上的錢的百分比提高一個百分點。許多老年人的401k計劃在2008年崩潰時被毀，債券沒有發(fā)生過這種情況。
許多人會談論稅收和通貨膨脹導致的收入減少的問題。你可以通過聘請一位優(yōu)秀且值得信賴的會計師來最大限度地減少這種情況。貨比三家，和他們談談，選對人。他可以幫助你減少你的稅務負擔，遠遠超過HR Block或自己用稅務軟件，特別是如果你的稅務情況隨著你的成熟而變得更加復雜。這并不總是正確的，但通常是正確的。
16) All advice, even this, should be viewed with caution. No advice applies to everyone or every situation. You have to take into account your own personal situation. You need to set goals and determine how you will achieve them, especially at retirement time. You cannot count on Social Security, at most you will get the equivalent of about 25,000 dollars a year in the US
如果你的公司提供員工股票購買計劃（ESPP），你不利用它是愚蠢的。我總是對那些不投資ESPP的人感到驚訝。每年你的錢幾乎總是有15% - 20%的免費收益，如果你馬上兌現(xiàn)，就像得到了一筆獎金。如果你的公司是一只藍籌股，你可以考慮讓錢積累起來；如果不是，就把股票變現(xiàn)，投資于指數(shù)基金。一位副總裁告訴我的最好的事情之一是“有時候你必須把它變成現(xiàn)金。”股票不是真正的錢。它們是金錢的希望。只有當你賣掉它們時，你才能得到真正的錢，永遠不要忘記這一點。我有一些朋友憑借他們的股票投資組合建造了價值數(shù)百萬美元的房子，當21世紀初科技泡沫破滅時，他們最終住進了車里，有時你必須把它變成現(xiàn)金。另一方面，我曾經(jīng)把我累積的思科公司ESPP股票變現(xiàn)后買了一棟房子。
所有的建議（包括這些建議），都應該謹慎看待。沒有任何建議適用于所有人或每種情況。你必須考慮到你自己的個人情況。你需要設定目標，并決定如何實現(xiàn)這些目標，尤其是在退休時。你不能指望社會保障，在美國，你每年最多能得到相當于2.5萬美元的收入。
Why do plumbers earn so much?
A couple months ago I had a major plumbing problem in my kitchen. (I’m describing the problem as “major” because the final bill was $1480.)
I called my plumber—who makes $100,000 annually. He said it wasn’t something he was interested in doing and gave me the phone numbers for a couple other plumbers who might be willing to help.
It took me a week and a dozen phone calls to get the job done properly. It turned out to be four manhours of work. The parts couldn’t have cost $20.
The trades are alive and well. Baby Boomers are retiring in droves and leaving their high paying jobs unfilled. I had a good chat with the plumber who finished the job for me. According to him 70% of all master plumbers will be retired by 2022, and they can’t find anybody to hire.
為什么水管工能掙這么多錢?
幾個月前，我廚房的水管出了嚴重問題。（我把這個問題描述為“重大”問題，因為最終賬單是1480美元。）
我打電話給我的水管工，他年收入10萬美元。他說他不太喜歡做這些工作，并給了我其他幾個可能愿意幫忙的水管工的電話號碼。
我花了一個星期，打了十幾個電話才解決好問題。結(jié)果是四個小時就處理完了。這些零件可能不值20美元。
這些行業(yè)的需求很大。嬰兒潮一代正在成群結(jié)隊地退休，留下了高薪職位空缺。我和幫我完成工作的水管工聊得很開心。據(jù)他說，到2022年，70%的水管工將退休，屆時會雇傭不到人的。
What is one thing you will never do in your life?
Uttering a certain idiom in Telugu, which is an insult to womanhood.
When we were children, whenever somebody uttered a lie, all children would shout “Abadham chepite aada pillalu pudataru”
Meaning of the above idiom is “if you tell a lie, girl children will be born to you”.
This idiom implied that since lying is a bad thing, the consequence will be a bad thing (a girl child being born).
Without thinking much about the meaning, I too used to frequently use this idiom.
When I grew up into a teen, I realized that the idiom was an insult to myself.
I never uttered it again.
I will never utter it again, the rest of my life.
什么是你一生中永遠不會做的事？
在泰盧固語中使用某個成語，這是對女性的侮辱。
當我們還是孩子的時候，每當有人撒謊，所有的孩子都會大喊“Abadham chepite aada pillalu pudataru”
上面這個成語的意思是“如果你說謊，你就會生女孩”。
這個成語的意思是，既然撒謊是壞事，那么結(jié)果就是壞事（生女孩）。
我過去常常使用這個成語，但沒有多想它的意思。
當我十幾歲的時候，我意識到這個成語是對自己的侮辱。
我就再也沒有說過。
我這輩子都不會再說了。
What is something that you have to do to become a good singer?
Like sports, practice is key to singing. The vocal cords are muscles that require training to be used properly. Of course, anyone can belt out a song in the car at full blast, but not everyone can do it in tune.
To become a good singer, you should definitely invest in hiring a vocal coach. In addition, breathing exercises are essential to singing. Knowing how to use different parts of your diaphragm and lungs to acquire air will assist you from singing purely from your throat (You can hurt yourself that way!)
I hope this helps!
要成為一名好歌手，你必須做些什么？
和運動一樣，練習是唱歌的關(guān)鍵。聲帶是需要訓練才能正確使用的肌肉。當然，任何人都可以在車里開足馬力大聲唱歌，但并不是每個人都能做到音準。
要想成為一名好歌手，你絕對應該花錢請一位聲樂教練。此外，呼吸練習對唱歌是必不可少的。知道如何使用橫膈膜和肺部的不同部位來獲取空氣，將有助于你避免純粹用喉嚨唱歌（那樣你會傷害自己?。?br /> 我希望這能有所幫助！
原創(chuàng)翻譯：龍騰網(wǎng) http://nxnpts.cn 轉(zhuǎn)載請注明出處
Can anyone become a good singer?
Yes, anybody can, depending on the amount of dedication and practice that he or she is willing to commit to. However, your goals must be gradual and realistic. If you expect yourself to become a good singer overnight, it is not going to happen. Improve yourself gradually and the results will come in no time.
First and foremost, you must constantly train your ears since 80 percent of your intonation is governed by your hearing. This is a very important aspect of musicianship, since you can have a good tone of voice and still sound bad if your hearing is not sensitive enough. When I first started singing, I trained my pitch recognition by playing an instrument (guitar in this case), and when I joined a community choir, my vocal coach kept engraining in me every week solfeggio as one of the useful tools (in non-technical terms, solfeggio is basically your do-re-mi-fa-so-la-ti-do) to train relative pitch. With these two tools, I can deal with more difficult songs with chromatics and weird interval changes.
任何人都能成為一名好歌手嗎?
是的，任何人都可以，這取決于他或她投入的程度和練習的次數(shù)。然而，你的目標必須是漸進的和現(xiàn)實的。如果你期望自己一夜之間成為一名好歌手，那是不可能的。逐步提高自己，結(jié)果很快就會到來。
首先，你必須不斷訓練你的耳朵，因為你語調(diào)的80%是由你的聽覺控制的。這是音樂才能的一個非常重要的方面，因為如果你的聽力不夠靈敏，你的語調(diào)可能很好，但聽起來仍然很糟糕。當我剛開始唱歌的時候，我通過演奏一種樂器（在這種情況下是吉他）來訓練我的音調(diào)識別技能，當我加入社區(qū)合唱團時，我的聲樂教練每周都會把視唱練耳作為訓練相對音高的有用工具之一（在非技術(shù)術(shù)語中，視唱練耳基本上就是你的do-re-mi-fa-so-la-ti-do）。有了這兩個工具，我可以應付更難的歌曲（音階和音程會存在一些奇怪的變化)。
Last but not the least, constant practice is needed. I was stressed by my vocal coach to warm up and sing at least half an hour everyday (done correctly of course). Accordingly, my vocals improved rapidly in the next few months. The best way to practice, in my opinion, is to record yourself since your voice often sounds different in your ears when compared to others. Through the recording, you can spot your flaws and improve on them.
I wish you all the best and keep singing because it is a fun activity! :)
其次，我的聲樂教練總是告訴我（我也一直在學習），你必須確保你不是用喉嚨唱歌，而是用橫膈膜控制氣息。確保你的音調(diào)盡可能地不緊張，因為過多不必要的緊張會造成音質(zhì)不佳，也會降低你在整首歌中保持正確音高的機會。良好的氣息控制能力還提供了平衡、共振的音質(zhì)，你的聲音將毫不費力地投射到整個房間，而不會有任何不必要的損耗。
最后但并非最不重要的是，需要不斷的練習。我的聲樂教練給我施加了壓力，要求我每天至少熱身半小時（當然是正確的）。因此，在接下來的幾個月里，我的聲音進步很快。在我看來，最好的練習方法是記錄自己的過程，因為與其他人相比，你的聲音在你的耳朵里聽起來往往不同。通過錄音，你可以發(fā)現(xiàn)自己的缺點并加以改進。
我祝你一切順利，繼續(xù)唱歌，因為這是一項有趣的活動！
My brother (Danyal Qureshi) and I have been working on starting a business. At first, I didn't like it at all.
Because we’re starting an online business, we did a lot of coding. Danyal, for some weird reason, loved it. I had to force myself to code. After a while, my dad realised I wasn’t really enjoying it. He also decided that coding is just one skill you need for an online business - there are still many others.
So now, I learning sales and marketing. I like talking to people, and I’m learning new things. Marketing incorporates lots of designing, which I like doing. I’m also playing to my strengths a lot more.
We both like what we’re doing and contribute to the business in our own way. I’m also working a lot better because I don’t have to force myself to do it anymore.
My dad says passion has a lot to do with ego. And it seems to make sense - I’m making a lot of progress in sales and marketing, which is why I love it, and Danyal’s good at coding, which is probably why he loves it.
我和哥哥（丹雅爾·庫雷希）一直在努力創(chuàng)業(yè)。一開始，我一點也不喜歡。
因為我們要開始在線業(yè)務，所以我們寫了很多代碼。出于某種奇怪的原因，我哥哥很喜歡這項工作。我不得不強迫自己編碼。過了一段時間，我爸爸意識到我并不是很喜歡它。他還認為編碼只是在線業(yè)務所需的一項技能，還需要很多其他技能。
現(xiàn)在，我學習銷售和市場營銷。我喜歡與人交談，我正在學習新事物。市場營銷包含了很多設計，我喜歡做這方面工作。我也在發(fā)揮我的優(yōu)勢。
我們都喜歡自己正在做的事情，并以自己的方式為公司做出貢獻。我的工作也有效率多了，因為我再也不用強迫自己去做了。
我爸爸說激情和自我有很大關(guān)系。這似乎是有道理的——我在銷售和營銷方面取得了很大進步，這就是我喜歡它的原因，而我哥哥擅長編碼，這可能也是他喜歡它的理由。
原創(chuàng)翻譯：龍騰網(wǎng) http://nxnpts.cn 轉(zhuǎn)載請注明出處
Is 13 too late to start dancing and singing?
Nope. I'm not a dancer, but I'm 13 and learning to sing. It's a bit of a battle, but it's better to start now before you get older. It's really fun too! I'd suggest hiring a voice coach and joining chorus in school (if yours has one) and/or a choir at your local church or other place of worship if you're religious.
13歲開始跳舞和唱歌太晚了嗎？
不會，我不是舞者，但我13歲了，正在學習唱歌。這有點像一場戰(zhàn)斗，但最好在你變老之前就開始，這也很有趣！我建議雇傭一名聲樂教練，在學校加入合唱團（如果你的學校有的話），如果你信奉宗教，在當?shù)亟烫没蚱渌Y拜場所加入合唱團。
Why can't I ever stay consistent to my goals and routine?
I have had the same problem for many years and have finally started overcoming it. For me the solution including using the concept of "mini-habits", having someone in my life I could share my progress with DAILY, and having easy access to the materials that I needed to accomplish my task.
For example, I decided I wanted exercise to become a daily part of my life. In the past I'd go to the gym for an hour every day for about a week and then quit. I would repeat the cycle periodically. I stumbled upon a book (I think it's called mini-habits) and it said to require yourself to do a ridiculously small amount of whatever it is you want to incorporate in your life and do that small amount of activity every day. I decided to try it because obviously going to the gym for an hour was not working for me. My small commitment to myself was to walk one mile every day. I have done this consistently for three months without missing a day. I just don't have an excuse not to do it. The great thing is often times I walk more than a mile! But I ALWAYS walk a mile. Today I walked four miles because I went to a state park with a friend. I text my friend, she acknowledges my feat and I feel happy. I also have a treadmill in my living room. If you put some thought into it, I'm sure you could find a way to incorporate whatever it is you want to do this way. Start small, be consistent.
為什么我總是不能堅持我的目標和慣例?
多年來，我一直遇到同樣的問題，并最終開始克服它。對我來說，解決方案包括使用“微習慣”的概念，在我的生活中有一個人，我可以每天分享我的進步，并且可以很容易地獲得完成任務所需的材料。
例如，我決定讓鍛煉成為我日常生活的一部分。在過去，我會每天去健身房鍛煉一個小時，堅持一周左右，然后就放棄了。我會定期重復這個循環(huán)。我偶然發(fā)現(xiàn)了一本書(我想它叫《微習慣》)，書中說，無論你想在生活中融入什么，都要要求自己每天做很少的事情，每天做很少的活動。我決定嘗試一下，因為去健身房一個小時顯然是我堅持不下去的。我對自己的小小要求是每天走一英里。三個月來，我一直在做這件事，沒有錯過任何一天。我完全沒有理由不去做。最棒的是我經(jīng)常走一英里以上！但我總是會至少走一英里。今天我走了四英里，因為我和一個朋友去了一個州立公園。我給我的朋友發(fā)短信，她承認我的成就，我感到很高興。我的客廳里還有一臺跑步機。如果你仔細想想，我相信你可以找到一種方法，把你想做的事情融入其中，從小處著手，始終如一。
Can anyone learn how to sing or do you have to have a good voice?
Yes, anyone can learn how to sing.
Some start worse at singing than others, some start better. In general everyone can get to the same level eventually, and with enough practise.
The voice in controlled by muscles so it can be trained. Thinking of learning to singing as somewhere between a sport, a language. Of course the performance and singing part is more like an art form, an emotional expression.
I've taught beginners who have progressed quicker than full-time professionals. And some beginners now sing better than the professionals. Pop music is a funny thing.
每個人都能學會唱歌嗎?還是說你必須有一副好嗓子?
是的，任何人都可以學會唱歌。
有些人開始唱歌比其他人差，有些人開始唱得更好?？偟膩碚f，只要經(jīng)過足夠的練習，每個人最終都能達到相同的水平。
聲音由肌肉控制，因此可以進行訓練。把學習唱歌看作是一項運動，一種語言。當然，表演和演唱更像是一種藝術(shù)形式，一種情感表達。
我教過那些比全職專業(yè)人士進步更快的初學者。一些初學者現(xiàn)在比專業(yè)人士唱得更好。流行音樂是一件有趣的事情。
In my view singing is a natural talent. Learning means improvising your singing skills, knowing more about music. First approach some guru, find more info about how to take forward. Visualise yourself learning and singing, the Universe or the Lord will arrange everything for you. If you are good in singing even now, you can start a Youtube channel, make efforts to reach wide audience through Social media. You can start earning.
You don't need too much of money to learn and practice singing. Street singers carrying EkTara is the best example which shows that you hardly need money for singing.
在我看來，唱歌是一種天賦。學習意味著即興發(fā)揮你的歌唱技巧，更多地了解音樂。首先聯(lián)系一些專家，找到更多關(guān)于如何進步的信息。想象自己在學習和唱歌，宇宙或上帝會為你安排一切。如果你現(xiàn)在就唱得很好，你可以創(chuàng)建油管頻道，努力通過社交媒體接觸廣泛的觀眾，之后就可以開始賺錢了。
你學習和練習唱歌不需要太多的錢。背著拉弦鼓的街頭歌手就是最好的例子，這表明你唱歌幾乎不需要花錢。