Sushi Money 寿司的钱

Do you think you’re pretty smart financially speaking?  Or at least comfortable with most financial issues that affect consumers?  Well the fact that you’re reading this article says that you’re way ahead of most people in America.  Financial literacy speaks to the knowledge and experience one may have regarding personal financial management and practices.  It is an increasingly important issue in our society because we continue to empower people to take control of their future financial well-being…  those who do so have the ability to provide financial wellness for their families, their children’s futures, and security in retirement.  Each year we learn of new financial products and tools available to consumers to improve their financial future… Roth and traditional IRA’s, the new Roth 401(k), even regular 401(k)’s… brokerage and mutual fund accounts, credit scoring, credit card use, 529 plans… on and on.  Twenty years ago, many of these products were not available, especially to younger members of society.  Now college students are offered credit cards at every turn, and credit scores are used for approval of every type of loan origination.你认为你很漂亮聪明的财政来说，又或至少与最舒适的财务问题影响到消费者？以及事实，即您正在阅读此文章说，您前进的道路上的大多数人都在美国。金融扫盲发言知识和经验，一可能有关于个人财务管理和做法，这是一个日益重要的问题在我们的社会，因为我们继续赋予人民权力，以采取控制其未来的金融福祉…这些谁这样做，有能力提供财政健康，为他们的家庭，其子女的期货和安全的退休生活，每年我们学习新的金融产品和工具，向消费者提供，以改善其财务未来…罗斯和传统IRA的，新罗斯401 （ k ）计划，即使是经常的401 （ k ）奇摩…经纪及共同基金帐户，信用评分，信用卡的使用， 529计划…就和对。二十年前，许多这些产品无法使用，尤其是年轻的社会成员。现在学院学生所提供的信用卡，动辄和信用分数是用于批准，每一类贷款的起源。

The strength and advantage of these tools is in opportunity and choice.  We have the ability to establish brokerage and mutual fund accounts, retirement accounts and so much more… technology has enabled the individual to make decisions and choose actions previously unavailable except to many professionals.  But this choice comes at a price… one that requires informed decision and knowledge, and the cost of admission is the time we spend learning how to function effectively within the sphere of financial choice.   Just think of… almost everything we do financially requires knowledge.  There are as many ways to “learn” as there are people perhaps, but I like to think of three primary ways:的实力和优势，这些工具是在机会和选择。我们有能力建立经纪及共同基金帐户，退休帐户和这么多更多… …技术，使个人作出决定和选择的行动，以前无法除了很多专业人士。但这种选择在一个价格… 1 ，需要作出明智的决定和知识，以及成本入场时间，我们花在学习如何有效地发挥其作用与金融领域的选择。试想想…几乎是我们所做的一切财政需要的知识。有很多方法“学习”有人也许，但我想想到的三个主要方面：

1.  First there is “book learning” or academic knowledge.  We can read, study, examine and devour as much information as possible from books, the internet and other people. 1 。首先，是“图书学习”或学术知识，我们可以阅读，研究，审议和吃掉尽可能多的信息，从书籍，互联网和其他人。 “Book learning” is important because it is one way we can learn from the knowledge, experience, mistakes and success of other people.  We can read and think about how things function or the most efficient way to do something. “图书学习”是重要，因为它是一个方法，我们可以学习的知识，经验，错误和成功的其他人，我们可以阅读和思考如何的东西，功能或最有效的方式做一些事情。

2.  Next there is training… “OJT” or on-the-job training, systematic training, specific programs and how-to sessions, hands-on practice, etc.  Training is very helpful because it provides practice, rehearsal and reflecting on how things can be accomplished effectively.  We also learn from other people through training or discussion.  Mentors can help us reflect and understand in different ways, and training allows us to “play house” without potential hazards or pitfalls, and without the hardship of failure.  Certainly training encompasses academic learning as well as the third type of learning: 2 。下次有培训… … “在职培训” ，或-在职培训，有系统的训练，特定的程序，以及如何向会议，免提实践，等训练是非常有帮助的，因为它提供了实践，排练和反映就如何事情可以完成有效，我们也学习其他人通过培训或讨论。导师可以帮助我们了解和反映不同的方式，和培训，让我们“玩家”没有潜在危险或陷阱，并没有困的失败。当然，训练包括学术，以及为第三种类型的学习：

3.  Finally, there is Experience.  Perhaps no other tool or method of learning something is as effective as personal experience.  When we find success with something we do… we remember it.  When we see failure, we remember that.  Our mind, body and spirit remember the things we learn from our own experience in the world.  That’s how babies and children learn.  They kick, crawl, mimic, toddle, and walk and run with one experience providing knowledge and understanding as leverage for the next.   They babble and learn language through practice and observation… through their experience they receive feedback to modify behavior over time.  Without experience, we would not understand the give-and-take of life, and what works or does not work for us.  We must have experience to learn, to understand and to succeed.   Yet experience, or “just doing it” can also be a difficult way to learn.  Some people do not learn in any other way, and they go from experience to experience, sometimes back-tracking or falling down, and sometimes taking shortcuts or succeeding without really knowing why.  I would submit that learning only by experience is not the optimal method of learning, but on the contrary can be hazardous to both personal and financial well-being over the long-term.   Some people are unwilling to look at other ways to learn, but I believe we must be open to learning in as many ways as possible. 3 。最后，有经验，或许没有任何其他工具或方法，学习的东西是一样有效的个人经验，当我们找到成功的东西，我们做的… …我们没有记错的话，当我们看到失败，我们记得。我们的脑海，身体和精神，记住的东西，我们从我们自己的经验，在世界上，这是如何的婴儿及儿童学习，他们踢，检索，模仿， toddle ，步行和运行的经验，提供一个认识和了解，作为杠杆，为下一步。他们babble和学习的语言，通过实践与观察…透过他们的经验，他们收到的反馈意见修改的行为，随着时间的推移，没有经验，我们是不会明白给予和采取的生活方式，什么工程或不为我们工作，我们必须有经验的学习，理解和成功，但经验，或“只是做”也可以是一项艰巨的学习方式，有些人不学习以任何其他方式，和他们从经验中的经验，有时回-跟踪或倒下，有时采取捷径或接替没有真正知道为什么我会提交的学习，只有经验是不是最佳的学习方式，相反却可以危害个人和金融福祉超过长期长远的，有些人不愿意看其他方式来了解，但我相信我们必须开放学习作为在许多方面尽可能。

“Experience keeps a dear school…. “的经验，不断一位亲爱的学校… … 。 but fools will learn in no other.”   Benjamin Franklin但阿斗将学习在没有其他“ 。本杰明富兰克林

So where am I going with all this?  I’m advocating a position for increasing financial literacy in society, especially among children and young people.  Everything we will do in our lives revolves around the use of money in one form or another.  The ability to take control of our lives and futures hinges on the use of money.  The ability to “choose” our way in the world and the education, career and lifestyle we desire revolves around the use of money.  For those who disagree, and believe the use of money is not important to their life I say “good for you… wait a few years.”  The use of money itself is a lifestyle choice- in that I agree.  But money is simply a tool like any other resource in our life.  In and of itself, it does not bring happiness or misery.  Yet its use as a tool may or may not bring happiness depending on the choices one makes when using it.  But having it means we have the ability to choose in far more ways than not having it.那么，我会与这一切？我主张的立场，为增加财政识字，在社会，特别是儿童和青年当中，一切我们将尽我们的生活围绕使用金钱的一种或另一种形式。能力采取控制我们的生活及期货事务监察，取决于使用的金钱。能力“选择”的方式，我们在世界上和教育，职业和生活方式，我们的愿望是围绕使用金钱。对于那些谁不同意，并相信使用金钱并不重要，他们的生活，我说“好你…等待几年。 ”使用金钱本身是一种生活方式的选择-在这我同意，但金钱只不过是一个工具，像任何其他资源在我们的生活。在和它本身并不带来幸福或痛苦，但其利用作为一种工具，可能会或不会带来幸福，视乎有关的选择之一，使得时使用它。不过，话虽如此，它意味着我们有能力选择在目前更多的办法比没有它。

I started out in life believing I didn’t need to worry about money, but just find a job or career I really enjoyed, and the rest would fall into place.  I was absolutely right… to a point.  What I learned (through experience) was that what I loved or really enjoyed was adventure, exploration, learning new things, and employing my knowledge and abilities in many different ways.  What I also learned was that money really helps you do those things.  I also learned my choices and desires changed over time.  I could not see at age 22 that twenty years later at age 42 I would desire a home and lifestyle for my family and children that provided current and future financial security.   Maybe I should have looked that far ahead, but who does so in their 20’s?!  Did I understand what I was doing when I purchased my first home?  Absolutely not… even though I made a valiant effort to read a few books.  Did I know what I was doing when I opened my first brokerage account (or second or third)?  Nope.  Did I know what I was doing when I bought my first car?  Double nope.  What could have helped was greater financial literacy and knowledge…   but it just didn’t “seem” that complicated then.  I think it is a lot more complicated now.  For those at the lower ends of the socio-economic spectrum financial literacy can make a world of difference for financial management, savings, spending, credit and debt.  I believe more people will be helped economically if we can educate them to using money in productive ways, and avoiding negative behaviors surrounding the use of money.我开始了在生活中，以为我没有需要担心金钱，但只是要找一份工作或职业生涯中，我真正享有的，其余的将下降到地方，我是绝对正确的…到一个点是什么，我知道（通过经验）是我所喜爱的或真正享有的是冒险，探索，学习新事物，并雇用我的知识和能力在许多不同的方式。什么，我也学到的是，金钱真的可以帮助您做这些事情，我还了解到，我的选择和愿望改变，随着时间的推移，我不能看到，在22岁这二十年在稍后的42岁，我的愿望，一个家和生活方式对我的家庭和儿童提供当前和未来的金融安全，也许我应该看过这遥遥领先，但谁做因此，在其20的吗！我明白我正在做我购买了我的第一家？绝对不是…即使我作出了英勇的努力，读几本书，难道我知道我是这样做，当我打开我的第一经纪帐户（或第二次或第三次） ？不会。我知道我正在做我买我的第一辆车？双重不会。什么可以帮助是更大的财政识字率和知识… …但它只是没有“似乎”复杂然后，我认为这是一个复杂多了，现在，对于在较低的两端社会经济频谱财务扫盲可以作出世界的差异，财务管理，储蓄，消费，信贷和债务，我相信更多人会帮助在经济上，如果我们可以教育他们用钱在生产方式，避免消极的行为，周围的使用金钱。

Today there is an article on from Yahoo/CBS Marketwatch where a recent study indicates that Few Consumers Really Know Real Estate .   The article talks about how conumers are not really prepared to make knowledgeable decisions regarding real estate.今天有一篇文章，就从Yahoo / CBS MarketWatch的地方最近进行的一项研究表明，数消费者真正了解房地产 。文章会谈有关如何conumers并非真的准备作出有见识的决定，关于房地产。

David Berenbaum, executive vice president with the National Community Reinvestment Coalition, states that “Purchasing a home is the single most important financial transaction of your lifetime, and most people are ill prepared today for that transaction.” “We need to ensure that the laws and the disclosure requirements are very clear and actively enforced.” 朱berenbaum ，执行副总裁与全国社区再投资联盟 ， 国家“购买一个家是唯一最重要的金融交易你的一生，大多数人生病的准备，今天的交易” ， “ 我们需要确保的法律和披露的规定是十分明确和积极执行“ 。

I would also submit that we need to educate consumers better in every area of personal finance, not simply real estate.  To that end, many States and organizations have begun programs to help educate the younger members of society.  Many state education requirements now include personal finance management as a class for high school seniors.   And many college programs incorporate financial literacy as electives or other classes.  When I think of my youngest son… he won’t be heading to college until around 2020, and I wonder how different the world of personal finance will be.  If the past twenty years have been any indication he will have a lot to learn!  And I’ll keep learning as well… hopefully not always the hard way.我也提出一点，我们需要教育消费者更好地在各个领域的管理个人财务，并非单纯房地产。为达到这一目的，许多国家和组织已开始计划，以帮助教育年轻的社会成员。许多国家教委的要求，现在包括个人财务管理作为一类高中的老人。和许多高校的程序纳入财政扫盲作为选修或其他班的时候，我觉得我的最小的儿子…他将不会前往学院，直到2020年左右，我不知道如何不同的世界个人财务会，如果在过去二十年一直任何迹象显示他将有很多学习！我会继续学习，以及…希望并不总是努力的方式。

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