外国人最想和你聊的时事话题：学生如何理财

     It is urgent to strengthen frugality and set up the consciousness of manage finances in students.
     "增强大学生节俭意识，树立大学生理财观念"已是当务之急。
     Financial planning helps you keep your assets where they should be, in your own pocket.
     理财规划帮助你保有自己的财富.
     She is wise in money matters.
     她善于理财。
     Are you good at managing your money?
     你善于理财吗？
     She's not a very good manager she always spends more money than she earns.
     她不大会理财，总是入不敷出。
     When it comes to select a fund, you will always read "Past performance is not an indication of future results".
     每当你选择一支基金时，总会看到以下提示"过去的表现不能代表未来的发展。"
     The market undergoes great change from day to day.
     市场每天都会经历不停地变化。
     I have doubted those funds with bad stock performance.
     我不相信那些过去表现很差的股票。
     I really want to decrease the risk reach the minimum and achieve the maximum returns.
     我很想以最低的风险获得最高的利润。
     If you refuse to take risk, you can't have better returns.
     如果你不想承担风险，就不会有更高的回报。
     How do you deal with this money, deposit in the bank or do some investment?
     你打算如何处理这些钱，存到银行还是进行投资？
     Are you a "moonlight clan"?
     你是一个"月光族"吗？
     My mother always deposits the money in the bank.
     我妈妈通常把钱存到银行。
     Nowadays many people chose to withdraw money from bank and do investment.
     现在很多人都把自己的钱从银行取出来进行投资。
     Investing money to fund is safer than to stock.
     投资基金比投资股票更安全。
     The government encourages people to invest.
     政府鼓励公众投资。
     The students can gain extra income by doing part-time job, and avoid blind consumption, which can accumulate some savings.
     学生可以通过兼职获得额外收入，并且避免盲目消费，这样就可以获得一些储蓄。

     William: The interest rate decrease again, it will suffer a lost if deposit this money in the bank.
     威廉姆：利率又下调了，将钱存在银行将会遭受损失。
     Taylor: Everyone wants to be financial lose kill. You must invest your savings if you planed to become rich.
     泰勒：每个人都希望不受损失。如果你想变得富有就必须将储蓄进行投资。
     William: I'm thinking about buying stocks. It can be a good investment if I can manage well. What do you say?
     威廉姆：我正打算投资股票。如果操作得当将是一种很好的投资方式。你觉得呢？
     Taylor: I partly agree with you. Buying stocks is not difficult, but making money consistently from buying stock is very difficult. Even professionals don't find it easy. Did you ever buy any stock before?
     泰勒：我不完全赞成你的观点。买股票不是件困难的事情，但是能一直从股票中获得收益则非常困难。即使是专家也不容易。你以前买过股票吗？
     William: Never, but I bought the national debts.
     威廉姆：没有，但是我买过国债。
     Taylor: They're quite different. The national debts are the investment tool with much lower risk, while stock market is full of high risks.
     泰勒：他们是完全不同的。国债是一种低风险的投资工具，而股票市场则充斥着高风险。
     William: I know. Higher risk always accompany with high profit.
     威廉姆：我知道。高风险总是伴随着高收益。
     Taylor: That's true. In a word, be careful.
     泰勒：这倒是事实。总而言之，投资股票要小心。
     William: Anyway, people like us need help with investing.
     威廉姆：像我们这样的需要寻求投资帮助。
     Taylor: Why not do some online research? There are data, reports and discussion forums to educate people on how to invest. In addition, you need to visit an established website that offers stock charts.
     泰勒：为什么不上网查询？网上有数据、报告和论坛指导人们如何进行投资。此外，你还需要登录提供股市变化图的网站进行浏览。
     William: Wow, you sound very professional.
     威廉姆：哇，你看起来非常专业呢。
     Taylor: I just watched the investment TV program last weekend. It has become a very hot topic these days. Actually I am not even a beginner.
     泰勒：我只是上周末在电视上看了投资节目。股票投资已经成为这段时间的热门话题。实际上我还没有开始投资。
     William: Are you interested in buying stock? We can do it together.
     威廉姆：你有兴趣投资股票吗？我们可以一起做。
     Taylor: I'm a risk avoid person, I prefer the national debts or fund with lower risk.
     泰勒：我是个风险规避者，我更愿意选择国债或基金这些低风险的投资工具。
     William: Up to you.
     威廉姆：随你吧。