[VOA经济报道] Economics Report - Teaching Young People about Personal Finance

[VOA经济报道] Economics Report - Teaching Young People about Personal Finance

http://news.iciba.com/200904/601473.html

 

April is National Financial Literacy Month in the United States. As the country faces a deep recession, Americans are paying closer attention to personal finance. Some critics partly blame the crisis on Americans' low savings rate and high personal debt.

在美国4月是全国金融扫盲月。由于该国面临严重的经济衰退，美国正在密切注意个人财务。一些批评将该危及部分归咎于美国人的储蓄率低和高的个人债务。

 

pay closer attention to 密切注意     personal finance 个人财政

blame指责, 责怪, 归咎于

blame for   因…怪罪, 责怪(某人) 

Don't keep blaming your little sister for your bad behavior.

Blame on 把责任推给…

They blamed the failure on John.

 

But efforts to increase financial knowledge have grown in the last ten years. Government, community and business leaders have pushed for teaching young people about the importance of saving, budgets and the true cost of credit.

在过去十年，就增加财政知识的努力已经有所增加。政府，社区和商界领袖，推动年轻人了解存款、预算和实际费用信贷的重要性。

 

In the last ten years 在过去时间。

Budget预算   Rising budget deficit is beginning to bite.

 

The Jump$tart Coalition for Personal Financial Literacy is based in Washington, D.C. It is an organization of about one hundred eighty groups, government agencies and businesses. Its goal is to provide financial knowledge to children and young adults before they get into debt.

Jump$tart 个人财政普及公司的总部设在华盛顿，这是一个包含政府机构和企业大约180个会员的组织机构，其目标是在儿童和年轻人有债务之前提供财务知识。

 

is based in 设在…地方. Government agencies 政府部门   Its goal is .. 其目标是

 

Jump$tart's Executive Director Laura Levine says many young people misuse credit cards without meaning to. She says they often start by making the lowest payment required. Over time, their credit limit is increased, but they do not pay off their debt. Laura Levine says young people can take on more debt than they can deal with.

Jump$tart 的执行董事劳拉Levine说，许多年轻人毫无意识的滥用信用卡。她说，他们往往首先确定所需的最低付款。随着时间的推移，他们的信用额度有所增加，但他们不偿清债务。劳拉Levine说，青年人承担了比他们能够偿还的更多的债务。

 

misuse 滥用   over time 时间推移  deal with 面对，对付， 处理

 

The government says forty-five percent of college students have credit card debt. The average amount owed is more than three thousand dollars.

政府据说，有百分之45的大学生有信用卡债务。他们平均欠款金额超过三千美元。

 

High credit limits are especially dangerous for college students. John Ninfo is a bankruptcy judge in Rochester, New York. He started the Credit Abuse Resistance Education Program.

高的信用卡额度对大学生来说是尤其危险，Jone Ninfo 是一名破产法官在纽约的 Rochester . 他开始了信用滥用抵抗教育计划

 

bankruptcy 破产   rupture  n, vt&vi破裂, 裂开; 决裂, 断绝 

 

It provides resources on its Web site for parents, teachers and students about financial issues. Judge Ninfo says he often sees people in their late twenties seeking bankruptcy protection in court. He says the combination of credit card debt and big student loans is burying young people in debt and driving many of them to bankruptcy.

对家长，教师及学生对金融问题, 它在其网站上提供的资源。法官Ninfo说，他经常看到20岁的人们在法庭上寻求破产保护。他说，信用卡债务中心和大学生贷款正在葬送青年人的并且会导致他们中的许多人破产。

bury  埋葬  He felt lonely after he buried his good friend.  

 

The results of bad credit can be serious. Seventy percent of employers look at the credit histories of job candidates. In some fields, like law enforcement, bad credit means you cannot get a job.

不良信贷可能引发严重的后果，百分之七十的雇主看应聘者的信用记录。在一些领域，比如执法，信用不良意味着你不能找到工作。

Job candidates 应聘者 ，求职者。 Enforcement = emforce + ment 执行

 

 

Former President George Bush formed the President's Advisory Council on Financial Literacy last year. That group has called for students at all grade levels to receive financial education.  Currently, only seventeen states require personal finance to be taught at least as part of other courses.

前总统布什去年在财政普及部门内，设置了一个总统咨询委员会，这个组织已经要求全年级的学生要解释理财教育，现在，只有十七个州要求个人理财作为和其他学科一样的学科去学习.

 

NOTE: 翻译还是很欠缺呢，有些句子是意思明白，但是就是不顺，主要是涉及到一些语法中的从句，结构怎么处置，这部分应该多加联系，通过看双语内容，以及通过句意分析来达到更加精确 !