Sushi Money 寿司的钱

Okay, the rebate check is in the bank and we’re going through the budget again.  I was shaking my head at the price of groceries and gas today, but it’s hard to see much of an economic slowdown by the amount of traffic out on the roads.  People must be cutting back though because everything has gone up in price recently. I’ve even heard some of the restaurants are struggling.好吧，回扣支票，是在世界银行和我们正在经历的财政预算案再次，我是动摇我的头在价格杂货和天然气的今天，但它的不难看出，许多经济增长放缓，由交通量列于道路，人们必须削减，虽然因为一切都已经在价格最近，我已经听到，甚至一些餐馆中挣扎。

We’re learning like never before how fuel prices really impact consumers and the needs of the family.  Simple things such as a trip to a nearby town are put off until really necessary, and I find myself driving a lot slower than I used to.  Some enterprising automaker should come up with a really efficient vehicle they call the Frugal. I’d call it our Family Frugal and drive it proudly around.  Not a very sexy name perhaps, but heck I’m all about practical efficiency these days.  Actually it sounds kind of like a Volkswagon… Das Familie Frugal.我们正在学习像以前从未如何燃油价格的真正影响消费者和家庭的需要。简单的事情，如去附近的一个城市是推迟到确有必要，我发现自己驾驶慢了很多，比我所用。一些积极进取的汽车制造商应该拿出一个真正有效的车辆，他们致电俭朴的，我要呼吁我们的家庭节约型和驱动器，它自豪地靠近。并不是一个非常性感的名字，也许，但赫克我的所有实际的效率，这些天来，其实它听起来种像一个大众… 之familie俭朴。

Ah but we use fuel for more than our vehicles.  We use propane fuel for some of our winter heating needs, and I usually fill the tank in late spring each year.  But with oil prices out of control, propane prices are crazy high too.  Do I fill the tank now, or wait until next fall or winter?  I’m inclined to wait and see if somebody… anybody , will do something about the rampant speculation in the oil markets out there.  At some point these high prices are bound to blow off.啊，但我们使用的燃料多，我们的车辆，我们使用丙烷燃料，我们的一些冬季取暖的需要，我通常会填补坦克在暮春每一年，但与油价失去控制，丙烷价格太疯狂高。我填补坦克，现在，还是等到明年秋天还是冬天？我倾向于拭目以待，看看如果有人…任何人 ，会做一些关于猖獗的投机活动，在石油市场的存在。在一些点，这些高价格的约束以打击小康。  It’s bad enough with gasoline, but the debate even involves diesel fuel supplies which are tighter and more expensive .  It’sa problem we need to solve because it affects everything- driving cars, trucking and transportation for goods, grocery prices, heating, etc, etc.它的够糟糕的汽油，但辩论，甚至涉及柴油燃料供应，这是严格的和更加昂贵 。这是我们的问题需要解决，因为它影响一切驾驶的汽车，卡车和运输的货物，杂货的价格，暖气，等等，等等。

Members of the House Transportation and Infrastructure Committee’s Highways and Transit Subcommittee generally agreed that diesel prices have risen faster than gasoline prices, and that increases are reflected in higher food and merchandise costs.下议院议员的交通和基础设施委员会的公路和过境小组委员会普遍同意，柴油价格上涨速度比汽油价格，并且增加，反映在较高的食物和商品的成本。 But they broke along party lines in suggesting ways to address the problem.”The conventional wisdom is that speculation provides liquidity to the market.但他们打破党派划线在暗示的方式来解决问题。 “传统智慧是投机提供了市场的流通量。 But when you have a huge entry of people who have no intention of taking delivery of a commodity but are merely interested in making money by bidding prices higher, that’sa different matter,” Rep. Peter A. DeFazio (D-Ore.), the subcommittee’s chairman, said in his opening statement.但是当你有一个庞大的入境的人谁无意采取提供一种商品，但都只是有兴趣赚钱的，由投标价较高， that'sa不同的事， “众议员彼得答：吉奥（ d-ore. ） ，小组委员会的主席说，在他的开幕发言。

But Tyson Slocum, energy program director at the consumer advocacy group Public Citizen, agreed with DeFazio that speculators are exerting an unhealthy influence on energy commodity markets.但泰森斯洛库姆，能源项目总监在消费者宣传小组，市民的公民，同意吉奥炒家施加一种不健康的影响，能源商品市场。 “A certain amount of speculation or hedging is essential. “一定数量的投机或套期保值是必不可少的。 But we have a financial bubble resulting from too much speculation.但我们有一个金融泡沫产生的太多猜测。 About 95% of the trades today do not involve taking delivery,” he said.约95 ％的行业，今天不涉及考虑交货， “他说。

DeFazio still was interested in the possible impact of speculators on oil prices.吉奥仍然很感兴趣，可能产生的影响，炒家对石油价格。 “What would it hurt to have trades no longer opaque and off the books?” “会有什么伤害，它有行业不再是不透明和小康的书籍” ？

I’ma pro-business, free market kind of guy, but when you have a critical commodity that drives every aspect of the national economic engine, how can we allow speculators and commodity investors to leverage investments in oil contracts that will never be delivered?  And if oil prices just keep going up, can the US economy and consumers even survive in that environment?我是亲商，自由市场种家伙，但是当你有一个关键的商品，驱动器的各个方面，国家经济的火车头，我们又怎能让炒家和商品投资者的杠杆投资在石油合同，将永远不能交付？ 如果石油价格不断上涨，可以对美国经济和消费者，甚至生存，在这种环境中？

Here’s one for you:  Just yesterday I was talking with the local propane company manager about fuel prices and my propane bill, and he spoke of a close friend who was a truck driver.  This guy regularly drove from the midwest roundtrip to the south and southwest, but his normal routine was to fill up his truck’s fuel tanks in Mexico! “Why does he do that?” I asked, and the answer was that truckers can buy a cheap $20 pass to cross the border to buy fuel and they pay half the price for gas and diesel that we pay in the US!这里的一为您：就在昨天，我是说与当地丙烷公司经理约燃油价格和我的丙烷条例草案，他谈到的亲密朋友谁是卡车司机，这家伙经常驱车从中西部地区的往返到南方和西南，但他是正常的例行填补他的车的油箱在墨西哥！ “他为何这样做呢？ ”我问，答案是，卡车司机可以买到便宜的20元，通过越境购买燃料和他们所支付的价格的一半天然气和柴油，我们的薪酬在美国！

Why does gasoline or diesel fuel cost half as much right across the border in Mexico than it does in the US? 为什么汽油或柴油燃料的成本多出一半的权利，越过边界，在墨西哥，比它在美国的呢？

I don’t know how accurate that is, but the propane company manager I spoke with said it was true.  Perhaps Mexico has more reserves for oil, more drilling, more refineries… oh, maybe that’s why it costs less?   Even so, should petroleum products be half-price just across the border?  If it is, then we’re doing something wrong here in the US  Hey, maybe we can tie in some of the immigation issues with cross-border agreements for oil or fuel?我不知道如何准确的是，但丙烷公司经理与我发言说，它是真实的，或许墨西哥有更多的储备石油，更多的钻井，更多的炼油厂…哦，也许这就是为什么成本更低？即使如此，应石油产品的一半价格刚刚越过边界？如果是的话，我们正在做的一些错误在这里，在美国嘿，也许我们可以配合，在一些对immigation问题与跨边界协定的机油或燃油？

But with the economy still teetering on the edge of a recession, at least Alan Greenspan thinks that ” the worst of the credit crisis is behind us .”   But what about inflationary costs to consumers for fuel and grocery prices?  I’m really not sure what Congress is doing beyond posturing and looking at raising taxes. Is raising taxes on fuel and energy companies going to save consumers money? I don’t think so.但随着经济仍就摇摇欲坠的边缘，经济衰退，至少在格林斯潘认为， “ 最严重的信用危机的背后是我们 ” ，但什么通货膨胀的成本向消费者用于燃料和食品的价格呢？我真的不知道什么国会正在做超越的姿态和期待在加税。 是加税，对燃料和能源公司为了节省消费者的钱呢？我不这么认为。

I’m still calling for a US Energy Summit however.  We’re not going to get anywhere if people don’t stop pointing fingers.  They need to sit down and map out the issues- start taking proactive measures and move forward with a plan for the nation. 我仍然呼吁美国能源首脑会议 ，但我们不打算取得任何如果人们不停止指向手指，他们需要坐下来和地图出的问题上开始采取积极措施，向前迈进，与计划为民族。

But in other news at the homefront, we’re busy planting a garden this year.  A different kind of fuel for the family perhaps, and another way to live a little more frugally.  With a little bit of space, how hard is it really to grow a few vegetables?  Especially tomatoes, but this year we’re even planting corn.  It’s much cheaper to grow your own, but admittedly it does take some effort to get started.  But if we’re successful and have enough veggies, it will cut down on the grocery bill.  And we hope to freeze and put up some of the extra to last into winter.  Now if I could figure out how to grow our own fuel for the cars we’d really be doing well.但在其他新闻在homefront ，我们正在忙碌的种植园，今年不同种燃料的家庭，也许，和另一种方式生活，多一点节衣缩食，随着一点点空间，如何努力是真的增长数的蔬菜？尤其是西红柿，但今年我们正在种植玉米，甚至它的便宜得多增长自己的，但无可否认，的确需要一些努力，即可开始使用，但如果我们想要成功，并有足够的蔬菜，它将削减对食品杂货条例草案。我们希望冻结，并提出一些额外去年冬天到现在如果我能弄清楚如何成长，我们自己的燃料汽车，我们要真正做好。

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In a long-awaited move, the Federal Reserve is setting out new consumer-friendly regulations intended to reign in credit card companies from overzealous and even unfair lending practices by financial institutions.在一个期待已久的举动，美国联邦储备委员会是订定新的消费友好的规例，打算统治在信用卡公司从过于甚至不公平的做法，贷款金融机构。

The crackdown on credit card companies is finally taking a proactive approach to protecting consumers and reversing practices that have appeared overly greedy in recent years.  I’ma strong defender of free market economics and fair business practices, but too many credit card companies have lost their way in terms of serving clients’ needs, and instead have appeared nearly predatory in their approach to credit card account management. 严厉打击信用卡公司是最后采取积极主动方式保护消费者和倒车的做法，出现了过于贪婪，近年来，我强烈捍卫自由市场经济和公平的商业做法，但太多的信用卡公司已失去方式而言，服务的客户的需求，反而出现了近掠夺他们的做法，以信用卡帐户管理。

“The proposed rules are intended to establish a new baseline for fairness in how credit card plans operate,” said Ben Bernanke, chairman of the Federal Reserve, which regulates many US banks. “拟议的规则是打算建立一个新的基准，为公平，如何信用卡计划的运作，说： ”贝南克，联邦储备局主席，规管许多美国银行。 “Consumers relying on credit cards should be better able to predict how their decisions and actions will affect their costs.” “依靠消费者对信用卡应能更好地预测他们如何决定及行动将会影响他们的成本” 。

And that’s the bottom line for many of consumers, a desire for clarity and a credit card agreement that isn’t changed at will by a company seeking higher profits.   I’ve noticed in some of my credit card statements that they are spelled-out more, and explained a little better than in years past, which is nice to see. But clarity in Disclosures Alone Won’t Solve Credit Card Issues according to Fed Chairman Ben Bernanke .这是底线，很多消费者来说，渴望的清晰度和信用卡协议，这是没有任何改变，将会由一间公司寻求更高的利润。我发现在我的一些信用卡报表，他们的拼字-更多信息，并解释略优于在过去几年里，这是尼斯看到，但清晰的披露，仅将不会解决信用卡的问题，根据美联储主席伯南克 。

“Twenty-five years ago, less than half of all American families had a general purpose credit card. “二十五年前，不到一半的所有美国家庭一般用途信用卡。 Since then, the number of consumers holding such cards and the amount of outstanding credit card debt has grown significantly.自那时以来，许多消费者持这种卡及未偿还信用卡债务已显着增长。 The development of credit scoring and implementation of risk-based pricing have made credit cards available to more people.发展信用评分和实施基于风险的定价作出了信用卡提供给更多的人。 In addition to serving as a source of needed credit, consumers benefit from the convenience credit cards offer as a payment mechanism.”此外，服务的一个来源，需要信用，为消费者带来实惠，方便的信用卡，提供作为付款机制“ 。

“The rapid growth in the use of credit cards, and a corresponding increase in the complexity of available products, has reduced the transparency of the industry, Mr. Bernanke said at an open meeting of the Fed board. “快速增长，信用卡的使用，并相应地增加的复杂性可用的产品，减少了透明度，该行业的先生，贝南克表示，在一次公开会议上的联储公开市场委员会。 For that reason, federal banking regulators need to make improvements to give consumers “greater control” over their accounts.”出于这一原因，联邦银行监管机构需要作出改善，让消费者“更大的控制权”户口“ 。

Of course the banking industry and lobbyists do not agree:当然，银行界及游说团体，不同意：

“The Federal Reserve’s proposal is an unprecedented regulatory intrusion into marketplace pricing and product offerings,” said Edward Yingling, chief executive of the American Bankers Association. “美国联邦储备委员会的建议，是一项前无古人的规管闯入市场定价和产品组合，说： ”何承天玲，行政长官的美国银行家协会。

With any new set of regulations there are some risks.  Government may overstep the bounds of balanced market dynamics and impose too many rules and binding regulations on institutions.  Those banking institutions may simply change their business practices in a negative way, avoiding regulatory issues and not making credit available to consumers as they have done in the past.与任何订定新规例也有一些风险，政府可能超越的界限，均衡的市场动态和施加太多的规则和约束力的规章的机构，这些金融机构可能根本改变他们的经营手法，在一个负面的方式，避免监管问题，而不是使信贷提供给消费者，因为他们过去所做的那样。

“Card industry representatives have been quick to warn that the passage of new legislation or additional regulation could hurt all credit card carriers.” “卡行业的代表已迅速地警告说，通过新法例或规例的额外可能会伤害所有的信用卡运营商” 。

“We are deeply concerned that these rules will result in less competition, higher consumer prices, fewer consumer choices, and reduced consumer access to credit cards,” said Yingling, the banking industry advocate. “我们深感关切的是，这些规则将导致在不到竞争，更高的消费价格，减少消费者的选择，并降低消费者获得信用卡，说： ”玲，银行界主张。 In short, everyday consumers will bear the real cost of these proposals.”在短期内，每天的消费者将承担的实际成本这些建议“ 。

“Americans with shabby credit histories, for example, may no longer have similar access to credit. “美国人与简陋的信贷史，举例来说，可能不再有类似的获得信贷的机会。 At the same time, consumers with good credit could soon find themselves facing higher interest rates.”在同一时间内，消费者与良好的信用可能很快就会发现自己面临着较高的利息“ 。

Do you agree?  I see their point, but I also think the banking industry is protecting its own at this point.  Certainly businesses are in business to make money, and they should do so as they deem appropriate….您同意吗？我看到他们的论点，但我也认为银行界是保护自己在这一点上，当然企业在业务上要赚钱，他们应该这样做，因为他们认为适当的… … 。 within the bounds of the legal and regulatory structure.  But in this case, many consumers and now politicians and leading economists believe that the financial institutions have overstepped their bounds, unfairly targeting consumers.认真遵守法律和规管架构，但在这种情况下，许多消费者和现在的政治家和领导经济学家认为，金融机构已经超越了他们的范围内，针对消费者的不公平。

We will always walk a balance between too little and too much regulatory structure in business markets.  But in this case, I personally believe it was time that government stepped in to look at consumers’ interests compared to the financial profit incentives of the banking industry.  Sometimes the balance becomes skewed, and perhaps this is a small step to swing the pendulum back toward consumers’ interests.我们将始终走之间的平衡太少，太多的规管架构在商业市场，但在这种情况下，我个人认为，这是时间，政府加强在看消费者的利益相比，财政的利润激励机制的银行界。有时平衡变得倾斜，也许这是一小步，以摆动钟摆回对消费者的权益。

Besides, with today’s lending climate during the credit crunch, banking and financial institutions have lost a lot of credibility in terms of managing risk, and consumers are paying the price for their market turmoil induced by many of these same institutions.  By saying “credit may not be available to consumers” is stretching the truth when credit is really no longer available to a certain segment of consumers anyway at this point.此外，与今天的气候贷款期间，信贷紧缩，银行和金融机构已经失去了很多的公信力而言，风险管理，和消费者付出代价，为他们的市场风暴，诱导许多这些同样的机构。说“信贷可能不向消费者提供“是伸展的真相时，信用是真的不再可用，以某一部分消费者无论如何，在这一点上。

As Congress examines the issue , time will tell how these regulations impact the banking industry overall.  Somehow I believe they’ll do just fine and find new ways to make money while lending money.作为国会审查的问题 ，时间会告诉如何将这些法规的影响，银行界的整体。某种程度上，我相信他们会做只是罚款和找到新的方法来赚钱，而贷出款项。

Depending on the rules that are adopted, credit card companies would be prohibited from: 视乎有关规则，如获通过，信用卡公司将被禁止从：

• Making deceptive offers of credit without spelling out terms and limitations;制作欺骗性的优惠信贷，没有列明的条款及限制;
• Placing unfair time constraints on payments.配售不公平的时间限制就付款。 A payment would not be deemed late unless the borrower is given a reasonable period of time, such as 21 days, to pay;付款将不会被视为逾期，除非借款人给予一段合理的时间内，如在21天内支付;
• Allocating payments unfairly among balances with different interest rates;分配不公平的支付之间的平衡与不同的利率;
• Retroactively raising interest rates on pre-existing balances when a change in credit status occurs;溯及既往，提高利率就预先存在的余额时，改变在信用状况发生;
• Assessing very high fees for exceeding credit limits solely because of a hold placed on the account;评估非常高的费用，超过信用额度上限，纯粹是因为持有放置在帐户;
• Unfairly charging consumers security deposits and fees when issuing credit or making credit available;不公平的收费，消费者的安全和存款收费时，发行的信用卡或决策提供信贷;
• Unfairly computing balances using double-cycle billing;不公平的计算结余用双循环的帐单;
• Prohibit overdraft fees because of additional “holds” when using debit card (such as when purchase gasoline).禁止透支的费用，因为额外的“搁置”时，使用借记卡（例如当购买汽油） 。

It will be interesting to see what rules are ultimately adopted and applied, and how credit card companies react.  In some cases I expect credit card accounts may be cancelled or frozen without additional steps by consumers.它将会有趣的，看看有什么规则，最终都是通过研究和应用，以及如何信用卡公司的反应。在某些情况下，我期望信用卡帐户可能会被取消或冻结没有额外的步骤，由消费者。 But the banking and financial institutions cannot lash out without consequences to their own businesses.  While they are in business to make a profit, they are also in the customer service business.  There will always be another company willing to take customers who are not happy with their current bank or lending institution.但银行和金融机构不能拉什出来的后果，以自己的企业。虽然他们在业务上赚取利润，他们还表现在客户服务的业务。都会有另一家公司愿意采取的顾客是谁不乐意与他们目前的银行或贷款机构。

Is this the long-awaited Credit Card Bill of Rights for consumers?   Not quite, and the Consumer Federation of America is calling for even greater regulation:这是期待已久的信用卡人权法案为消费者？不大，和美国消费者联合会的呼吁，甚至更大的规例：

“We commend federal regulators for taking an important first step to stop credit card companies from pumping up their profits by using hidden traps and tricks that drive up the amount of debt consumers owe,” said Travis B. Plunkett, legislative director of the Consumer Federation of America. “我们赞扬联邦监管机构采取的第一个重要步骤，以阻止信用卡公司从抽水了他们的利润由使用隐藏的陷阱，花样不断推动起来的债务金额，消费者有责任，说： ”查维斯乙宾吉，立法主任消费者协会美利坚合众国。 “We urge Congress to focus on enacting a permanent law that curbs abusive practices not addressed in this proposal.” “我们敦促国会把重点放在制定一部永久法律，限制滥用的做法不解决，这项建议” 。

If I had the ear of the card company executives, I would advise them to jump right onboard this consumer-friendly train, and even make a huge PR effort to show what they are doing to help consumers.如果我有耳朵卡公司主管，我会提醒他们的权利，跳转上，这与消费者的友好列车，甚至作出了巨大的公关努力，以显示自己在做什么，以帮助消费者。 Bottom line?  Consumers want a credit card agreement that is fair and steady, and not at risk of changing overnight by a company who can assess fees and charges at will.  Perhaps in response to increased regulation we’ll see a trend toward term limited credit cards, with fixed contracts?   Hard to say, but I don’t think those offers will stop coming in the mailbox anytime soon.底线？消费者想要一张信用卡的协议是公平和稳定，而不是在风险转变在一夜之间由一间公司谁可以评估收费将可能在反应增加的规管，我们会看到一个倾向，任期有限的信贷卡，与固定合同？难说，但我不认为这些优惠将停止未来在信箱随时很快。

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Even with a challenging economy and dynamic swings in stock prices, the market has begun to advance over the last couple of months.  While the US economy teeters on the edge of recession, is it really that bad out there?即使是一个具有挑战性的经济和动态波动，股票价格，市场已开始提前在过去数个月。而美国经济在报章杂志的边缘，经济衰退，是否真的坏了吗？ That certainly depends on your individual situation, but for the most part we’re managing to get by, even with gas and commodity prices that are out of control.  Interest rates have dropped quite a bit and that’s provided some relief to homeowners with ARM loans.这当然取决于您的个人情况，但对于大多数的一部分，我们正在设法得到的，即使是与气体和初级商品价格正在失去控制。利息率已下降了不少位，这提供了一些纾缓自置居所与ARM的贷款。

But is the Fed finished cutting rates ?  Many experts believe so, and that from here will be a long pause to allow the economy to work its way back into growth mode.  Maybe the Fed Has Bought Enough Anti-Recession Insurance for now.  But we’ve got to put our money to work somewhere, and for most of us that means staying invested even in difficult times.但是美联储结束降息 ？许多专家认为，所以，并从这里将是一个长期暂停，让经济工作的方式回到增长方式，也许美联储已经买了足够的反衰退保险 ，现在，但我们都有把我们的钱某处工作，并为我们大多数人即在下榻的投资，即使在困难的时期。

The amount of negativity about the economy and markets have been amazing this past year, and Jason Zweig’s near-contrarian view offers some good advice for Why Acting Bearish is a Dumb Move .金额约负经济和市场已惊人的过去这一年，和Jason茨威格的近反转的看法提供了一些很好的意见为什么署理看跌是一个哑巴动议 。

“This has been one ferocious stock market. “这一直是一个凶恶的股票市场。 Not only has Wall Street been flirting with a bear market - conventionally defined as a 20% decline in the major indexes - but we’re now in “the second-worst eight-year period for stocks since the 1930s,” says money manager Martha Ortiz of Aronson Johnson & Ortiz in Philadelphia.”不仅华尔街一直调情与熊市-传统上被界定为2 0％的跌幅，主要股指-但我们现在在“第二最严重的8年期间股票自2 0世纪30年代，说： ”钱经理玛莎奥尔蒂斯的阿伦森约翰逊＆奥尔蒂斯在费城“ 。

“…a growing chorus of bears thinks that the worst is yet to come and that investors should get out of the market. “ … …越来越多的合唱熊认为，最坏的还在后头，以及投资者应退出市场。 After all, everyone knows stocks will keep sagging since it’s obvious the economy is sinking into recession, right?”毕竟，大家都知道，股市将继续低靡，因为它的明显的经济陷入衰退，对不对？ “

“Even if the economy is headed for real trouble, don’t assume that your portfolio is too. “即使经济是走向真正的麻烦，不要以为您的投资组合是太。 Larry Swedroe, director of research at Buckingham Asset Management, notes that the US economy has experienced 11 recessions since World War II.拉里斯威德罗，研究部主任在白金汉宫资产管理指出，美国经济经历了11个经济衰退自第二次世界大战以来。 From the first day of those economic contractions to the last, stocks still managed to deliver average gains of 7.1% vs. 5.1% for cash.”从第一天开始，这些经济收缩到最后，股票仍设法提供的平均收益7.1 ％ ，与5.1 ％的现金“ 。

Bottom line?  Stay invested, stay long, and focus on living positively each day.  It’s not always easy to do, but I try to tune out the economic noise, and remember what’s important at home and with family.   If there’s something I’ve learned from this almost-recession and high gas and grocery prices, it’s that we really don’t need a lot of the things we spend money on.底线？逗留投资，留长，把重点放在积极的生活每一天。它的并不总是很容易做到，但我尝试调出经济噪音，并记住什么是最重要的在家里与家人，如果有奇摩的东西我已经学会从这个几乎衰退和高瓦斯和杂货的价格，它的，我们真的不需要很多的东西，我们花费金钱。

Cutting back spending and becoming more frugal isn’t that difficult.  I don’t know about you, but when I save money or do something more efficiently, it really makes me feel good in other areas of my life.  It helps me to focus on the important aspects of life, and the goals I have for personal growth.  I’m not tied to worries or stress about the market, and how my retirement funds are doing.削减开支和回变得更加俭朴的是并不困难。我不知道你，但是当我节省金钱，或做一些更有效率，是否真的使我感到很好，在其他领域是我一生的，它可以帮助我把重点放在对重要生活的方方面面，和目标，我个人成长，我不是绑的忧虑，或强调有关市场，以及如何我的退休基金正在做的。

It’s about improving the quality of our lives and experience versus the quantity of something that is always changing. 它的关于质量的提高我们的生活和经验的银两数量的东西，这是永远改变。

Laura Rowley describes it very well as feeling blessed . 劳拉rowley形容得很好，因为感觉有福了 。

“Money can certainly buy us a measure of freedom or security, but money itself is none of those things. “钱当然可以购买我们的一项措施自由或安全，但金钱本身是没有这些东西。 If we think money is security, we’ll never amass enough to feel secure.如果我们认为钱是安全的，我们永远不会积聚足够的安全感。 If we think it’s freedom, we’ll never earn enough to be free.”如果我们认为它的自由，我们永远赚取足够的可免费“ 。

“Once we remove the emotional baggage, we can acknowledge that money is just one component to achieve our goals instead of an all-encompassing solution. “一旦我们删除的情感包袱，我们可以承认，钱只是其中一个组成部分，以实现我们的目标，而不是一个包罗万象的解决办法。 If freedom is a value, we have to ask which people, qualities, and experiences have made us feel most free in the past: Where do I need to live to be around those people?如果自由是一种价值，我们要问的人，素质，经验，使我们觉得最自由，在过去：我在哪里需要活到周围的那些人呢？ What should I do for my work, and how should I spend my leisure time?我应该怎么做我的工作，我应该如何度过我的闲暇时间？ How much money do I need to help me create a life with those qualities and experiences?多少钱我是否需要帮我创建一个生活与那些素质和经验？ Being as specific as possible about how to manifest these qualities in our lives will keep us from running on the hedonic treadmill.”正在尽可能具体如何体现这些特质在我们的生活将让我们从上运行的快感跑步机“ 。

“… long-term flourishing requires discipline, persistence, hard work, faith, and, most important, pursuing goals that are close to your heart and based on your personal gifts.” “ … …长期蓬勃发展的需要纪律，毅力，勤奋工作，信念，最重要的是，追求的目标是贴近您的心，并根据您个人的礼物” 。

When we take time to appreciate what we do have in our lives, we begin to understand more about ourselves, our relationships and where we want to go.  It’s an essential part of the process of discovery, not only for whatever personal gifts we possess, but for the direction of the journey itself.当我们需要时间来欣赏我们做什么都在我们的生活中，我们开始了解更多关于我们自己，我们的关系，而我们想要去的，它的重要组成部分的过程中发现，不仅为个人，无论我们的礼物拥有，但对于方向的征程本身。

Is money the reason for the journey?   Not by a long shot.  But it certainly helps.  A little balance and reflection helps even more.  Growing our money, like growing our lives, takes time and staying invested.  Money provides a lot of things in life, but it can’t buy long term happiness.  Money is simply a tool to take along the journey.  Sure it’s important, but if we forget our goals and what’s important in our lives, then we really haven’t gone anywhere have we?是金钱的原因的征途上？而不是由一个长期开枪，但它肯定有帮助。少许的平衡与思考，有助于甚至更多。日益增长的我们的钱，越来越像我们的生活，需要时间和下榻的投资。金钱，提供了很多东西，在生活，但它并不能购买长远的幸福。钱，只不过是一个工具，采取沿的征程。确保它的重要，但如果我们忘记了我们的目标和什么是最重要的在我们的生活，那么我们真的没有去任何地方有我们呢？

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When is the last time you’ve had a retirement health check-up?  There’sa lot of information out there to help answer questions we have about saving and investing for retirement (or during retirement).  But if you’re like most people, some of that information is pretty confusing.  Have you considered meeting with a professional to look at where things stand?  Research data shows that more Americans are doing something to prepare for retirement than ever before, which is very good news.   But at the same time, we’re also very concerned about our future retirement .当是最后一次，你已经退休的健康检查呢？有很多资料，指出有帮助回答问题，我们所拥有的关于储蓄与投资，为退休（或退休期间 ） ，但如果您最喜欢的人，其中一些资料是相当混乱。你考虑与会议的专业看看那里的东西的立场？研究数据显示，更多的美国人正在做一些准备退休比以往任何时候都，这是一个非常好的消息，但同时时间， 我们也非常关心我们的未来的退休生活 。

Concerned about the troubled economy, rising health care costs and falling home values, Americans’ confidence in being able to afford a comfortable retirement fell at a record rate over the past year, sinking to its lowest level since 2001.关心经济的困扰，增加医疗成本下降，家庭的价值观，美国人的信心，能够负担得起舒适的退休生活的跌幅创纪录的速度在过去的一年里，沉到最低水平，自2001年以来。

”This year’s results show a very dramatic reduction in the public’s confidence about having a comfortable retirement,” said Dallas Salisbury, president of the nonpartisan Employee Benefit Research Institute, which has conducted a comprehensive Retirement Confidence Survey with the research firm Mathew Greenwald and Associates for 18 years. “今年的结果显示，一个很显着减少在公众的信心，有一个舒适的退休生活，说： ”达拉斯梳士巴利，总统的党派雇员福利研究所，进行了全面的退休信心调查与研究公司马修格林瓦德公司及联营公司为18年。

“In an encouraging sign, this year’s survey found that 47 percent of workers say they or their spouses have tried to calculate how much money they will need for a comfortable retirement. “在一个令人鼓舞的迹象，今年的调查发现，有47 ％的工人说，他们或其配偶有试图计算多少钱，他们将需要有一个舒适的退休生活。 That figure is up considerably from the low point of 29 percent 1996 and slightly higher than 43 percent in 2007.”这个数字是相当大，从最低点的29 ％ ， 1996年和轻微高于43 ％在2007年“ 。

“As before, the 2008 survey found that doing a retirement savings calculation - even if it’s just a rough estimate - is particularly effective at changing behavior: 44 percent of those who calculated a savings goal changed their retirement planning, and of those, 59 percent started saving or investing more.” “和以前一样， 2008年调查发现，做了退休储蓄计算-即使这只是一个粗略的估计-是特别有效的改变行为：4 4 ％的受访者谁计算的储蓄目标，改变了自己的退休生活规划，以及这些， 59 ％开始储蓄或投资更多“ 。

“Still, savings levels are modest. “但是，储蓄水平是温和的。 Almost half (49 percent) of all workers report savings and investments of less than $50,000, and 22 percent have no savings at all, the survey found.”几乎有一半（ 49 ％ ）所有工人的报告，储蓄和投资的少于$ 50000 ，和22 ％ ，没有储蓄，在所有，调查发现“ 。

So we know it’s important to keep saving and investing, and putting money away for retirement.  In fact, that’s the single biggest thing we can do to improve our retirement situation- save more money on a regular basis.因此，我们可以知道它的重要的是要储蓄与投资，并把钱离退休。事实上，这是最大单一事，我们可以做的，以改善我们的退休情况， 节省更多的钱定期的基础上。

One way to do that is to open your own retirement fund.  More people are doing so than ever before,  and The New York Times takes a closer look at this too in A Stalwart of Retirement Planning: The IRA方法之一，这样做是要开放自己的退休基金。更多的人这样做，比以往任何时候都和纽约时报需细看这也是在一个坚定的退休规划：爱尔兰共和军

So if you’ve already got a retirement plan in place, is it something you can fall back on (ie borrow money from) before retirement?  Yes, that’s possible.  But it’sa risky move to borrow from your retirement plan whether that’s an IRA or your 401(k).因此，如果你已经得到的退休计划在地方，是它的东西，您可以依傍（即借钱） ，退休前 ？没错，就是那个的可能，但它是险棋借用从您的退休计划是否这是一个爱尔兰共和军或您的401 （ k ）计划。

In my view that’s the last place you ever consider borrowing money from, and if you don’t have to, then simply don’t do it because many people never pay it back :在我认为的最后的地方，你有否考虑借钱，如果您还没有到，那么根本没有这样做 ，因为很多人从未支付回 ：

“Nearly one-third of adults who have prematurely withdrawn funds from their retirement products said they cannot pay them back, and 45% said they either cannot pay back the funds or have not begun to do so, according to a recent Wall Street Journal Online/Harris Interactive Personal Finance.” “近三分之一的成年人谁也过早地撤回资金，从自己的退休生活的产品说，他们无法支付他们回来，和45 ％的人说他们要么不能回馈基金，或没有开始这样做，根据最近的华尔街日报在线/哈里斯互动个人理财“ 。

“Even among the highest income earners surveyed—making more than $75,000—more than one-quarter of respondents said they cannot pay back their premature withdrawals.” “即使是最高收入的受访决策以上七五○○○美元-四分之一以上的受访者表示他们无法支付回到他们过早撤回” 。

“Those ages 45 to 54 are less likely to be able to pay back their premature withdrawals, and those ages 18 to 34 were more likely to be currently making payments.” “那些年龄45至54不太可能，以便能够回馈他们的过早退出，和那些年龄18至34岁，比较有可能被目前正在付款” 。

Retirement planning is about a lot of things, but most importantly it’s about having enough money to fund our needs when we are older.退休规划是约了很多事情，但最重要的，它的大约有足够的钱基金我们的需要，当我们老年人。 Sometimes those needs change- especially when our family situation changes. Keeping the retirement money straight can sometimes be a challenge, but it’s important to consider how marriage, divorce, death or job changes impact your retirement plan.有时这些需求的变化，特别是当我们的家庭情况的变化。 保持退休的钱直 ，有时可以是一个挑战，但它的重要的是要考虑如何结婚，离婚，死亡或就业的变化影响您的退休计划。

And with new laws, new financial products and a lot of people looking ahead at retirement, it’s no wonder that more of us turn to a financial professional for help .与新的法律，新的金融产品和有很多人在展望未来的退休，这怪不得我们更多的谈金融专业人士协助 。

“Over the last few decades, much of the responsibility - and risk - of on-the-job retirement investing has shifted to employees. “在过去的几十年里，大部分的责任-和由此带来的风险-对- -就业退休投资已转移到雇员。 Fewer workers have traditional defined benefit pensions.少工人之间有着传统的确定给付退休金。 And while many employees still have defined contribution plans, such as matching 401(k) plans, they handle their own saving and investment decisions.”而不少雇员仍然有界定供款计划，如匹配的401 （ k ）计划，他们处理自己的储蓄和投资的决定“ 。

“Here’s the problem: For most of us, do-it-yourself planning leads to needless mistakes and financial loss. “这里的问题：对我们大多数人，自己动手规划，导致不必要的失误和金钱上的损失。 That’s because most of us aren’t investment professionals, and we need expert help to reach our goals.这是因为我们大多数人没有投资的专业人士，我们需要专家的帮助，以达到我们的目标。 This becomes painfully obvious in a rocky economy and stock market, like the one we’re experiencing now.”这成为痛苦的明显在岩石嶙峋的经济和股市一样，一个我们所遇到的现在“ 。

“And there’s one other painful truth: Most people just don’t want to be bothered. “有一个其他痛苦的真理：大多数人只是不想理会。 Only 19 percent of 401(k) plan participants make a trade of any kind in their accounts in a given year, according to research from employee benefits consulting firm Hewitt Associates.只有19 ％的401 （ k ）计划参与者作出贸易任何形式在他们的帐户在某一年，根据研究，由雇员福利咨询公司翰威特咨询公司。 That suggests more than 80 percent of us just aren’t paying attention.”这表明， 80 ％以上的，我们只是不重视“ 。

I’m certainly not about frequent trading inside a 401(k) plan per se, but the point is valid in that many people are not even thinking about the choices they have in their retirement plans, or making new choices when life situations change.我当然不会对频繁交易的内401 （ k ）计划本身，而是点是有效的在这方面，很多人甚至不思考的选择，他们有他们的退休计划，或作出新的选择时，生活情况的变化。

Some of the choices in 401(k) plans are limited, and some plans have too many choices to understand easily.  But some plans do offer a more flexible target retirement option that rebalances automatically based on age.  Do you know what your options are within your 401(k) plan?  Do you know how your retirement funds are allocated?  If you’ve been at your employer for 15 years, is it time to rebalance the investments within your 401(k)?一些选择在401 （ k ）计划是有限的，一些计划有太多的选择，理解容易，但做一些计划提供了更灵活的目标退休的选项rebalances自动基于年龄。你知不知道什么您的选项都在你的401 （ k ）计划？你知不知道如何您的退休基金分配？如果您一直在你的雇主，为15年来，现在是时候重新平衡投资，您的401 （ k ） ？

So by not paying attention, the article indicates that we might need to make some active choices over the years for how our money is managed within the 401(k) plan.  Can you do that yourself?  Sure, it’s possible.  But if you are counting on that 401(k) plan to be your primary income or supplement during retirement, then maybe it’s worth it to consult with a professional.  A good financial planner or investment professional can help simplify the process and validate the best choices out of the options available.  When it comes to our retirement, that’sa pretty good idea.  After all, most of us get an annual check-up with a doctor.  Why should our financial health be any different?因此， 不重视，文章显示，我们可能需要作出一些积极的选择，多年来为我们的钱如何管理内部的401 （ k ）计划，你能这样做，您自己？肯定的是，它的可能，但如果你是票就表示， 401 （ k ）计划将您的主要收入或补充退休期间，那么，也许这是值得的谘询与专业。良好的财务规划或投资专业可帮助简化的过程和验证的最佳选择出于对可供选择的方案。当谈到我们的退休， that'sa心中有数，毕竟我们大多数人获得的年度检查，与一名医生，为什么要我们的财务状况有任何不同？

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It’s amazing how high fuel prices have gone this year.  In short, like many Americans, I’ve simply had enough of paying so much for gas.  Honestly, it’s such a total waste of money don’t you think?它的惊人有多高燃油价格已在今年。总而言之，像许多美国人，我已经受够了，根本支付了这么多气。老实说，它的这样一个总浪费金钱不你觉得呢？ The quality of the ride we’re getting at $3.50 a gallon for driving doesn’t feel any better than it did at $2.25 a gallon.  For the increased price of fuel there is no additional satisfaction or more importantly, no contribution to a greater good gained from paying more to do the same thing with a gallon of gas.  It’s actually worse, and a waste of money.  And that’s the rub for most of us.高质量的乘坐我们得到的3.50美元一加仑的驾驶感到身体不适，任何优于它在2.25美元一加仑。为增加燃料的价格是没有额外的满意或更重要的是，没有任何的贡献，更大的好所得的支付更多的做同样的事情，与一加仑的气体，它的其实更糟的是，和浪费金钱。和的摩擦对我们大多数人。

So what am I doing about it?  Personally we’ve already drastically reduced our vehicle use, and are investigating more fuel efficient cars for the future.  But that really doesn’t change much in the face of rising prices, except maintaining the status quo.  And I just don’t think the status quo is good enough anymore. I was looking back over the past 12 months and was surprised that we were paying almost a dollar less per gallon for several months last year.  Then in late summer, prices began a slow climb, spiking after the new year and reaching an average of $3.50 a gallon this week.那么，我做了呢？个人，我们已经大大减少了我们的汽车使用，现正调查更省油的车，为未来的，但真的没有太大变化，在面对价格上涨，除维持现状。我只是不认为现状是不够好了，我回首过去的12个月，并感到惊奇的是，我们付出了近1美元少，每加仑数个月，去年则在夏末，价格开始缓慢攀升，扣球后，新的一年里和深远的平均3.50美元一加仑 ，这周。

So now, with a humble voice from the wilderness, I’m calling for an Energy Summit for Congress, the Administration and leading oil company experts to sit down and begin devising a strategy to take the nation out of the grip of oil dependence .  Not a new theme, but has any legislator or administration official proposed anything constructive in the face of oil price inflation?  Sure oil company executives have been called on the carpet to testify before Congress, but to what end?  Grandstanding by politicians to make us think they’re doing something? Do we realistically think companies that are in business to make a profit should start to not work to make a profit? Is that going to benefit our economy and those who need the fuel these companies produce?  Does anyone really think that making oil companies the scapegoats will solve America’s oil dependence problems?   More importantly, has the SEC or any governing body investigated the impact of energy sector speculation or the influence that the rise of sovereign wealth funds have had on market dynamics?所以现在，一个谦卑的声音从旷野中， 我要求一个能源首脑会议的国会，政府和领导油公司的专家坐下来，并开始制定一项战略，采取国家出于对掌握石油的依赖 。不会一个新的主题，但有任何立委或政府官员提出的任何建设性的，在面对石油价格的通货膨胀？确保油公司高层一直对所谓的地毯前作证，国会，但到什么结束？哗众取宠的政治家使我们相信他们'重新做一些呢？我们切实认为公司是在业务上，以赚取利润，应开始不工作，以赚取利润呢？就是要造福我们的经济和那些谁需要的燃料，这些公司生产？没有人真的认为使油公司的代罪羔羊，将解决美国的石油的依赖问题呢？更重要的是，已证交会或任何理事机构调查的影响，能源部门的猜测或影响的兴起， 主权财富基金已对市场动态呢？

As much as I believe that the the US is being driven towards a greater economic crisis due to energy impacts, my frustration is really a personal issue. Which is due to the simple fact that the engine of the US economy is ultimately distilled into the basic economic units of individuals and families as consumers.   We are the spending sparks of economic activity that drives this great machine, and our ability to do so is being damaged with each passing day.虽然我认为，美国正在推动的迈向一个更大的经济危机，由于能源的影响，我的挫折感实在是一个个人的问题。这是因为一个简单的事实，该引擎的美国经济最终是蒸馏纳入基本经济单位，个人和家庭作为消费者，我们是消费火花，经济活动的推动这一伟大的机器，我们有能力这样做，无非是被破坏，与日新月异。

A few weeks ago I took a short poll asking if high gas prices have affected people’s driving habits .  After a fairly small response, more people indicated that gas prices only affected them “a little”, while the others said “a lot.”  But gas prices really had only been higher for a couple of months.  I’m willing to bet more people would indicate “a lot” today, and over the next few months as fuel prices remain higher.  Have you changed your driving habits?几个星期前我曾在短期内调查要求，如果油价居高不下，影响了人们的驾驶习惯 。后一个相当小的反应，更多的人表示，天然气价格不仅影响了他们的“小” ，而别人说： “很多。 “但天然气价格真的只有较高的数个月。我愿意打赌，更多的人会表示： ”很多： “今天，在未来数月，由于燃油价格仍然较高。你改变您的驾驶习惯？

It’s not just fuel prices though- it’s also the economic costs passed on to consumers because of fuel prices, and higher commodity prices that are causing turmoil across the nation.   So I’m the first to admit that fuel prices and grocery prices affect our family’s choices every single day.  And I feel fortunate, because technically we can afford to drive our cars, commute to work and do what is necessary each day.  So consumers are starting to feel pinched ?  I think that’s an understatement.它不只是燃油价格虽然-这也是经济成本转嫁到消费者，因为燃油价格，和较高的商品价格是造成风暴，在全国范围内，所以我首先承认，燃油价格和杂货店价格影响我们家庭的选择，每一天。我感到非常幸运，因为在技术上我们可以负担，以推动我们的车，通勤工作和做是必要的每一天，所以消费者也开始觉得压紧的呢？我认为的1轻描淡写。

With higher prices something else is given up to accomplish the same tasks.  We don’t go out and eat or visit new places as often as we used to.  And we won’t be traveling as much this year as last year.  We even cancelled a longer vacation we had already planned for the summer because of fuel costs.  We take fewer trips to the store, and the discretionary funds we normally spent on nice-to-have items or entertainment in the past are being used for basic needs such as food and putting gas in the tank to get to work.与较高的价格的东西，否则就是放弃来完成相同的任务，我们不走出去，吃，或访问新的地方，往往是因为我们用。和我们将不会前往多，今年与去年，我们甚至取消了较长的休假，我们已计划在今年夏天，由于燃料成本，我们采取少前往商店，并酌情资金，我们通常用在尼斯到有项目或娱乐，在过去被用于等基本需要作为食物，以及将天然气在坦克去工作。

But there are many other families who can barely afford to get to work or put food on the table each day.  I’ve read of some who may not have the money to pay for gas for a trip to the doctor or hospital.但也有许多其他的家庭，谁可以勉强有能力去工作，或把食物放在桌上，每一天，我已经读过的一些谁未必有资金，以支付为气去医生或医院。 Many Americans live in rural areas and must travel extensively to get to work and fulfill basic needs.  High fuel prices hurt those who must travel greater distances especially hard.  This nation is larger than most nations in the world- and driving long distances is something we are accustomed to.  We are not accustomed to enormous prices for gas to be able to get to the doctor or the grocery store.许多美国人生活在农村地区旅行，必须广泛地去工作和履行的基本需要。燃油价格这样高昂，谁伤害了那些必须前往更远的距离，尤其是辛苦。这个民族是大于大多数国家在世界上和驾驶长途跋涉是值得我们习惯了，我们不是习惯了巨大的价格为气体，以便能够获得向医生或杂货店。

So is the government doing enough?   Is Congress and the President’s administration taking these issues seriously enough?Perhaps what really bothers me is that maybe they’ve collectively looked at it and simply shrugged, without really putting a plan together to do something about it.  The US says oil prices are too high , but no one seems to have any idea what to do about it.  Instead, we push for biofuel production and increase demand for oil.  Yet biofuel production soaks up oil supplies and is being blamed for increasing hunger across third world nations as it drives up commodity prices, challenging the ability of support organizations and governments to get food supplies to people in need.因此，是政府做得不够？是国会和总统的政府采取这些问题严重是否足够？或许才是真正困扰我的是，也许他们已经集体研究它，只是耸耸肩，没有真正把一项计划，共同做一些工作。 美国说，石油价格过高 ，但似乎没有人有任何的想法怎样做它，我们反而推动生物燃料生产和增加对石油的需求，但生物燃料生产吸收的石油供应，是被指责为增加饥饿横跨第三世界国家 ，因为它的驱动器的商品价格，富有挑战性的能力，支持组织和各国政府，以获得粮食供应有需要的人。

So what is going to solve the oil conundrum?   Do we not have the technology and ability to find more oil and ramp up production?  Or do we lack the collective will as a nation to do what’s necessary, simply remaining dependent on other nations for our oil needs and paying whatever the market demands?  Tapping the Strategic Reserve isn’t going to solve anything over the long term either.  I simply think we can do more as a nation to support the American family’s needs at home, that would also serve to strengthen the US economy for the long term.因此，是怎么回事，以解决石油难题？我们不具备的技术和能力，以找到更多的石油和坡道生产，还是做我们缺乏的集体意志，因为一个民族要做什么的必要，只需在余下的依赖于其他国家为我国石油的需求和支付，无论市场的需求呢？窃听战略储备是不会解决任何超过长期要么我只是认为我们可以做更多的作为一个国家支持美国家庭的需要，在家里，也将加强美国经济的长远目标。

My hope is that we’ll see Congress and the Administration get together an conduct an Energy Summit to put a plan in place that will support the nation’s needs.  New energy, alternative energy, new research, and yes- more oil to fulfill the nation’s needs.  One day perhaps we’ll find the holy grail that relieves our dependence on oil.  But the US economy is tied to oil for countless needs right now and we risk being economically crippled for too many years if we don’t start working together more aggressively.我希望的是，我们将看到对国会和政府一起进行的一项能源首脑会议上提出一项计划，在地方， 将支持国家的需要。新能源，替代能源，新的研究，并有更多的石油，以满足国家的需要。一天，也许我们可以找到圣杯认为，缓解我国对石油的依赖，但美国经济是联系在一起的石油，为无数需要的权利，现在我们经济的风险正在削弱太多年，如果我们不'吨开始一起工作，更积极。

We are better than this dependence, and we need a little more forward thinking by our elected leadership.  We’ve put off the energy debate for so many years it’s now come back to haunt us.  Whether we enter or are in a recession now is beside the point. Consumers are spending more on fuel and food, and less on everything else.  And I think it’sa threat to our nation’s economic viability over the long term. That’s simply got to change.我们是比这更好的依赖，我们需要多一些前瞻性思考我们的选举产生的领导。我们已经提出过的能源辩论了这么多年，它的现在回来困扰着我们，无论我们进入或正处于一个经济衰退现在是旁边的点，消费者正花费越来越多的关于燃料和食物，并减少对一切。和我认为这威胁到我们国家的经济可行性，就长期而言，这只是必须改变。

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Is there a subtle change taking place in the direction of the markets, and maybe the economy?  I’ve noticed a few writers here and there that are looking ahead, rather than dwelling on the banking crisis and every negative event that may affect the economy.   During any overzealous expansion there’s going to be contraction.  But there’s still many who have jumped on the doom and gloom bandwagon and are still focusing on what’s “wrong” with everything.是否有一个微妙的变化正在发生的方向，市场，也许经济呢？我发现几个作家在这里和那里是展望未来，而不是住家对银行业危机和每一个负面事件可能影响经济在任何过于扩张的将会收缩，但仍然有许多谁跳就灭亡和忧愁潮流，而且还在重点放在什么的“错”与一切。

It’s pretty evident that we face some stark challenges right now.  Between housing, industry layoffs, lending woes, and energy and commodities prices, the American consumer is taking it on the chin.  I tend to be very supportive of our elected officials intentions, even if they don’t get very much accomplished at times.  But with escalting gas and grocery prices, I really wonder if everyone from the President on down really understands how these challenges are affecting families across the nation this year.它的相当明显，我们所面对的一些严酷的挑战权。之间的房屋，工业裁员，贷款的疾苦，能源和商品价格，美国消费者是考虑它放在下巴，我往往会非常支持我们的民选官员的意图，即使他们没有获得很大的成就，在时代，但与escalting气体和杂货的价格，我真的想知道，如果人人都从总统就下来真的懂得这些挑战影响到家庭，全国今年。

Certainly it’s not a typical year.  It’s an election year for the nation’s highest offices, and we’re going to continue to hear what’s “wrong” with the direction of the country for many more months.   But even with the challenges we face, I think smart money looks a little more forward than that, and plans for days of positive growth and opinion once again.当然，这不是一个典型的一年。这是一个选举年，为国家的最高处，我们将继续听到什么的“错”的方向与该国的许多个月，但即使是与我们面临的挑战，我认为聪明的钱看起来有点更具前瞻性的比，并计划在数天的正增长和舆论再次。

We’ve seen some forward thinking recently with strong upward moves in the markets in recent weeks.  Leading indicators have not been all bad and equity valuations in some areas have become so attractive that investors are looking for bargains and positioning funds for the years ahead.  Donald Luskin says the Recovery is Already Underway and that “the worst is over.”我们已经看到一些前瞻性思考，最近强劲上升的动作，在市场在最近几个星期。领先指标尚未全是坏事和公平估价，在一些地区已成为有吸引力，使投资者正在寻找便宜的资金和定位为未来的岁月。唐纳德卢斯金说，经济复苏已在进行 ，并且“最严重的是超过” 。

“Industrial production was reported as rising 0.3% last month, when it was expected to have declined. “工业生产据报道，作为上升0.3 ％ ，上个月，当它预期有所下降。 That’sa key recession indicator — and it’s just not indicating. that'sa衰退的关键指标-和它的正义不显示。 The high-tech component of industrial production has been especially strong, currently at all-time highs.  And then there are the markets themselves.高科技的组成部分，工业生产一直特别强劲，目前在所有的时间历史新高。 ，然后有市场本身。 Since the panic bottom a month ago yesterday, the S&P 500 has returned 7.1%.由于恐慌，底部的一个月前，昨天，标准普尔500指数已恢复百分之七点一。 The best-performing sectors have been financials, energy and materials, indicating that the credit crisis is mending and that fundamental forces of growth are strong.”表现最佳的行业已金融，能源和材料，这表明信用危机是修补和基本经济增长的力量是强大的“ 。

“The bears hang onto every little scrap of evidence coming out of the financial and housing sectors to bolster their case that we’re already in a recession and headed for a depression. “熊坑上的每一个小废料的证据走出来的金融和住房部门，以加强他们的情况，我们已经在经济衰退和为首的一个抑郁症。 Doesn’t any of this good news count for anything?”没有任何好消息指望什么“ ？

Laura Rowley takes a more historical look referencing economic research that sees the current economic downturn as a normal response to a financial crisis.  While she indicates we may have some time still to get through it, long term investors should stay the course: 劳拉rowley需要更多的历史看参照经济研究认为，目前经济低迷的一种正常反应，以金融危机的同时，她表明，我们可能有一段时间，仍然获得通过它，长期投资者应留的过程：

“What does history imply for individual investors, who are more worried than ever about making it through retirement? “什么历史意味，为个人投资者，谁更担心的比以往任何时候都约，使通过退休？ “If you’re there for the buy-and-hold , long-term view, it’sa very different world,” says Reinhart. “如果您有，为买进持有 ，长远来看，这是非常不同的世界，说： ”赖因哈特。 “These booms and busts do happen, but unless you really invested very poorly you do have the ability to ride these things out.” “这些吊杆和胸围做的事，但除非你真的投入了非常不好，你有能力渡过这些东西出来” 。

Of course if you’re facing great changes in your life such as trying to pay for the mortgage, looking for a new job, or looking at retirement sooner than later, then it’s hard to sit on the side of optimism right now.   But I think it’s important to be rational and pragmatic, as opposed to letting the stress of worry and fear of the unknown influence your life.当然，如果你正在面临着巨大的变化，在您的生命如试图以支付按揭贷款，寻找一份新工作，或从退休迟早比晚通好，那么它的努力坐于一边，乐观的权利。但我认为这是非常重要的是理性和务实，作为反对让应力的担心和恐惧，对未知会影响您的生活。

The media doesn’t help with all the catastrophic announcements of doom and chaos, and story after story of people going through hard times.   Is it really that bad for everyone?  No.  But it is bad for some people, and we empathize and try to help where we can, while doing our best to keep our own financial lives in order.媒体不利于与所有的灾难性短片厄运和混乱，故事后的故事，人们经历困难的时刻。是否真的那么差，为大家呢？号，但它是坏对于一些人来说，和我们同情和尝试以帮助那里我们可以，而尽最大努力保持我们自己的财务生活在秩序。

For those of us facing retirement in the short term, keeping the financial house in order may take more effort than we thought.   Laura Bruce from Bankrate.com provides a good overview of the retirement perspective in Retiring in a Bad Economy: Are You in Trouble ?   While the intro is a little alarmist, it probably increases readership.  That’s actually a good thing because this article has some excellent ins