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怎样才会变得富有?  

2009-05-03 13:18:48|  分类: 默认分类 |  标签: |举报 |字号 订阅

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中文博主按:我的美女同事,给我很好的建议,让我戒烟。哈,让我想到姜育恒的一首歌《戒烟如你》。美女同事有很好的欣赏品味,她推荐的电影,几乎都是我没有看过的。

Monday, May 21, 2007


How to Become Rich 

怎样才会更加富有

美女同事[译]



What does it take to become wealthy? Before you answer, let's review a few facts. The first one is no surprise:

怎样才能变得富有?在回答这个问题之前,让我们看看几则事实。第一个事实不会让人意外:

Itseems that the smarter you are, the more you tend to earn. For each IQpoint you have above someone else's IQ, you'll earn between $200 and$600 more.

似乎一个人越聪明,就能挣得越多。比别人每多一分IQ,就会多挣$200$600。


But this one is more surprising: People with high IQ do not end up with more wealth.

但是下面这个现象让人有些吃惊:高IQ的人未必更富有。

Wewho are smarter than the average bear (I'm including myself and you)would reasonably assume, then, that smarter people would end upwealthier. But that was not suggested by the study. Instead, peoplewith higher IQs and incomes tended to spend more, maxing out creditcards and paying bills late.

比一般人要聪明的我们(包括我自己和你们),有理由假设,越聪明的人越富有。但是,研究证明并非如此。相反,高IQ、高收入的人倾向于花得更多,信用卡刷到爆,账单还得最晚。


The above two quotations are from a summary of research conducted by Ohio State economics professor Jay Zagorsky. Here is another result from a different study of Professor Zagorsky:

以上两句引用来自Jay Zagprsly的研究总结,他是俄亥俄州立大学的经济学教授。下面是Zagorsky教授的另一个结论,出自一项不同的研究:

Overweight Americans who lose a lot of weight also tend to build more wealth as they drop the pounds.

那些超重的美国人,在减肥的过程中,体重减得越多,财富积累得越多。


And yet another Zagorsky fact:

Zagorsky还发现了另一个事实:


Regression results show lower net worth is associated with smoking, after holding constant a variety of demographic factors.

回归结果表明,保持其他各类人口因素不变,抽烟与更低的净财富有关。


Finally, recall this lesson:

最后,回忆下这篇文章:


Stephen F. Venti of Dartmouthand David A. Wise of Harvard concluded that the primary reason fordifferences in retirement assets was differences in propensities tosave. It is not unusual to see low-income households with high savingsrates holding more financial assets at retirement than high-incomehouseholds who saved a smaller fraction of their income.

达特茅斯的Stephen F. Venti和哈佛的David A. Wise有个结论,退休资产存在差异的主要原因在于,储蓄倾向的不同。高储蓄率的低收入家庭,比那些不太愿意储蓄的高收入家庭,在退休时拥有更多的金融资产,这种现象并不少见。


Theneoclassical theory of distribution teaches us that a person's earningsdepend on his or her productivity. But earnings are not the same aswealth. The accumulation of wealth is mostly about the ability to exertself-control.

分配的新古典理论告诉我们,个人的收入依赖于其生产力。但是,收入并不等同于财富。财富的积累多半与自我控制的能力有关。

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