失败的原因在于:
1.篇幅太长,因为大部分为在职工作者,时间有限
2.奖励的人太少(可考虑多奖励几名,分一二三等之类的)
原文由 newshadow 发表:
虽然英语水平不行,不过为表示对版主的支持,我还是翻译一段生活化的好了.
Debt repayment
It’s important to pay down consumer debt such as credit cards or personal loans. If you have several cards or consumer loans, concentrate on the one with the highest interest rate. Paying this
off f irst means you will spend the least on interest charges over time. But don’t rush to pay down that 30-year fixed-rate mortgage, or those low-rate taxadvantaged student loans. Depending on how you’ve got your money invested, you may be better off putting extra money into your retirement accounts than paying down these debts.
The savings rate should be at least 10% of gross pay, but more is better.Because they don’t have some of the financial obligations of other postdocs—family members paid off three-fourths of their education loans as a wedding present 13 years ago; the rest they paid off themselves while still in graduate school—they should be able to put 15% of their income into permanent savings, and possibly more. The more they save now, the less they’ll have to save later.
还债
偿还消费债务诸如信用卡和个人贷款很重要。如果你有好几张信用卡或者消费贷款,集中还掉利率最高的。首先还清这个意味着你以后将付最少的利息。但是不要冲动地付清那种三十年固定利率的贷款或者那些低利率的有利税率的学生贷款。比起还掉这些债务,将钱投资,更有利于你往退休金帐户中赚更多的钱。
储蓄至少应该占工资总额的10%,越多越好。因为他们不象其他博士后那样有金融债务,13年前家里人还掉了3/4教育贷款作为他们结婚礼物,剩下的他们还在毕业学校时就还清了债务-他们的长期储蓄应该能达到收入的15%,而且可能更多。他们现在存得越多,日后不得不节约的地方就越少。