【文章內容簡介】 y at your debt instead! If you can take public transportation to get around, skip the driving. Better yet, ride your bike and get a little workout at the same time. At the end of the month you may have used one less tank of gas. Make sure you bump up your debt repayment by that amount. It may not seem like much, but over a course of time, this can add up beautifully to free you from debt a lot sooner.如果有的東西可以不要錢,那就不要付它,而讓這些錢花在償還你的債務上!如果你可以用公共交通工具去某個地方,那就不要開汽車。最好是騎自行車,同時還能健身。在月底你用的汽油就可能少于一油箱。確保你用這些錢來償還一些負債。這看起來似乎不太多,但長時間下去,你就可以完美地并更快地償還所有的債款。Always pay more than the minimum payment toward your debt. If you only pay minimum payments, you will be old and gray before you pay off a the debt. Here is a calculator that shows the true cost of paying minimum. For example, if you only pay the minimum payment on a credit card loan of just $1000, at an APR of 18%, then it will take you around 13 years to pay off that debt. In that time you would have paid $1, in interest. That is more than the principal borrowed! Imagine how much worse it is with larger loans. So always try to make more than the minimum payments if you are serious about getting rid of debt.經常在償還你的債款時,多付一點你能承受的最低量。如果你只是一味地每次償還最低量,那你直到老的那天才會還清所有的債。下面就每次只付最低量做的一個計算。例如,你信用卡上欠了1000美元,你僅付最低量,大概 18%來償還,那你要花13年來還債,而這段期間,。這比你借的本金還要多。試想一下,如果欠了更多的債,那是多么地嚴重。因此,如果你是認認真真地對待還債這件事,那你最好試著每次償還你能付的最低量的多一點的金額。Don’t hesitate to take help from loved ones: When you are down and battling with debt, if loved ones offer to help don’t hesitate to accept. This could be in cash or kind. For instance, can your mother baby sit your kids so you can save some money that is spent on daycare and apply it to your debt? Can your parents loan you some money at low or zero interest that will help you reduce the amount you pay in debt? If you are just starting out, can you move back with your parents for a few months and throw the rent money towards your debt? These may be very tough but they can save you several years of slaving to pay off your debt.不要猶豫接受來自你親人的幫助:當你處于劣勢并與債款作斗爭時,如果你的親人為你提供幫助,你不要猶豫地去接受。這種幫助不僅體現(xiàn)在現(xiàn)金上也體現(xiàn)在關愛上。比如,你的媽媽是否可以照顧你的孩子,這樣你就可以省掉一筆花在照顧上的錢而可以將這些錢花在債務上?你的父母是否能以低率或免率來借你一筆錢來減少你在債款上付的錢?如果你是剛搬出去住的,你能否搬回去和你父母住來免掉房租費?這些可能讓你很為難,但這確可以幫你省好幾年來還債。Make it automatic/manual: I know that’s ambiguous, but pick what works for you. If it hurts you every month to go over the bills and make the payments, then just set up automatic payments so that a fixed portion of your ine goes towards paying debt. Your sole responsibility then is to make sure that your bank balance stays above the required amount and to avoid overdraft fees. On the other hand, if it gives you pleasure to watch your debt shrink and motivates you to keep at it, then make it manual. Pay your bills by yourself each month.自動化或手動化還債:我知道這很模棱兩可,但選擇一個對你最適用的。如果每個月去查賬款付款讓你覺得很麻煩,那就設定一個自動每月付款,這樣你收入中的一個定額就會自動地拿去償還債款。你唯一的任務就是去確認一下你銀行的余額仍處在最低點之上,免得要去付透支費。另一方面,如果看著你的債款漸漸減少讓你覺得很爽并激勵你繼續(xù)保持下去,那你就人為地去還債。每個月自己去償還。Ultimately, getting rid of debt is like going on a financial diet。 it is not easy and the temptations to give in are high. There will be that tiny voice in your head that says, “what’s the point of money if you can’t enjoy life?” But if you are in debt, and constantly worrying about it, you are in fact enslaved to your financial miseries. Unless you make some sacrifices, it is unlikely that you will be able to get out of it. Not all of these tips will work for you, so pick what does and stick to it! 總之,脫離債款就像是減錢的肥。這一點也不容易,你所遇到的誘惑也是很大的。有一個小小的聲音總是在你的頭腦你回蕩,“如果不可以享受生活,那錢還有什么用呢?”但是你如果欠債,并不斷地擔心著,那你實際上就成了錢奴。如果你不做出一點犧牲,你是不可能脫離債谷的。不是所有的建議對你都是有用的,所以你要挑出幾個并堅持做下去。人力資源術語英漢對照出自 MBA智庫百科() 人力資源管理：(Human Resource Management ，HRM) 人力資源經理：( human resource manager) 高級管理人員：(executive) 職業(yè)：(profession) 道德標準：(ethics) 操作工：(operative employees) 專家：(specialist) 人力資源認證協(xié)會：(the Human Resource Certification Institute，HRCI) 外部環(huán)境：(external environment) 內部環(huán)境：(internal environment) 政策：(policy) 企業(yè)文化：(corporate culture) 目標：(mission) 股東：(shareholders) 非正式組織：(informal organization) 跨國公司：(multinational corporation，MNC) 管理多樣性：(managing diversity) 工作：(job) 職位：(posting) 工作分析：(job analysis) 工作說明：(job description) 工作規(guī)范：(job specification) 工作分析計劃表：(job analysis schedule，JAS) 職位分析問卷調查法：(Management Position Description Questionnaire，MPDQ) 行政秘書：(executive secretary) 地區(qū)服務經理助理：(assistant district service manager) 人力資源計劃：(Human Resource Planning，HRP) 戰(zhàn)略規(guī)劃：(strategic planning) 長期趨勢：(long term trend) 要求預測：(requirement forecast) 供給預測：(availability forecast) 管理人力儲備：(management inventory) 裁減：(downsizing) 人力資源信息系統(tǒng)：(Human Resource Information System，HRIS) 招聘：(recruitment) 員工申請表：(employee requisition) 招聘方法：(recruitment methods) 內部提升：(Promotion From Within ，PFW) 工作公告：(job posting) 廣告：(advertising) 職業(yè)介紹所：(employment agency) 特殊事件：(special events) 實習：(internship) 選擇：(selection) 選擇率：(selection rate) 簡歷：(resume) 標準化：(standardization) 有效性：(validity) 客觀性：(objectivity) 規(guī)范：(norm) 錄用分數線：(cutoff score) 準確度：(aiming) 業(yè)務知識測試：(job knowledge tests) 求職面試：(employment interview) 非結構化面試：(unstructured interview) 結構化面試：(structured interview) 小組面試：(group interview) 職業(yè)興趣測試：(vocational interest tests) 會議型面試：(board interview) 組織變化與人力資源開發(fā) 人力資源開發(fā)：(Human Resource Development，HRD) 培訓：(training) 開發(fā)：(development) 定位：(orientation) 訓練：(coaching) 輔導：(mentoring) 經營管理策略：(business games) 案例研究：(case study) 會議方法：(conference method) 角色扮演：(role playing) 工作輪換：(job rotating) 在職培訓：(onthejob training ，OJT) 媒介：(media) 企業(yè)文化與組織發(fā)展 企業(yè)文化：(corporate culture) 組織發(fā)展：(organization development，OD) 調查反饋：(survey feedback) 質量圈：(quality circles) 目標管理：(management by objective，MBO) 全面質量管理：(Total Quality Management，TQM) 團隊建設：(team building) 職業(yè)計劃與發(fā)展 職業(yè)：(career) 職業(yè)計劃：(career planning) 職業(yè)道路：(career path) 職業(yè)發(fā)展：(career development) 自我評價：(selfass