商業(yè)英語培訓(xùn)班有很多，選課時最重要的是先體驗后選擇。這里向大家推薦必克英語和美聯(lián)英語，純歐美外教一對一教學(xué)，固定外教模式。這兩個機構(gòu)是專門為從事商務(wù)貿(mào)易的學(xué)員開發(fā)的商務(wù)英語口語課程，匯集了與商務(wù)工作有關(guān)的各種商務(wù)情景，如逾期付款、商談租賃、工作氣氛、生產(chǎn)能力、商務(wù)談判、海外合作、策劃會議等，通過實際訓(xùn)練掌握商務(wù)英語口語。
Yes, times are tough. The big banks are on life support. Home prices are in the pits. The stock market's tanked. Unemployment's way, way up.
And … uh-oh. How are you doing? What about your home? Your investments? Your job?
How safe is it? What's the worst that can happen to you?
We put that question to the expert -- Joshua Piven, author of the best-selling 'Worst-Case Scenario Survival Handbook' series. His tongue-in-cheek answer is not pretty: 'You lose your job, you run out of savings or a safety net, have to sell [your] home, it's a down market and you can't sell your house, you move, pull the kids out of school, it's not easy to get another job and your whole lifestyle has to change.
'Then there's homelessness, maybe spiraling alcoholism, and then living on the side of the train tracks.'
Ugh. More people are facing an extended period of joblessness and the potential financial difficulties that go along with it.
Unemployment hit 7.6% last month, with 11.6 million people out of work, and the number of people experiencing joblessness for more than six months has continued to increase, growing to more than 2.6 million in January, according to the Bureau of Labor Statistics.
As jobless rates go up, duration usually follows, says Katharine Abraham, a University of Maryland economist.
With the Federal Reserve forecasting that the unemployment rate could hit 8.8% this year, the number of people unemployed for longer stretches of time is expected to increase as well.
Conventional wisdom has long called for you to stash away up to six months of living expenses to carry you through a financial emergency or job loss. But with more job hunts lasting longer than half a year, backup funds can dwindle, and you will have to make more and more tough financial choices.
'It may be painful to think about bad things happening, but you have to make sure you are budgeting appropriately and living below your means,' says Liz Davidson, CEO of Financial Finesse, a financial-education firm.
Here are some things to keep in mind, starting now:
While You're Working
--Double that emergency fund. One way to do this is by making minimum payments on your credit cards. That runs counter to the usual advice, but for those worried about losing a job, these aren't usual times. Take the remaining money you would use to pay off the whole bill and stash it in a money-market or high-interest savings account, suggests June Walbert, a financial planner with USAA, which mainly serves military members and their families.
--Consider downsizing your living quarters. For example, after business began to slow at Saxon Anderson's teeth-whitening kiosk at a Los Angeles area mall, the 26-year-old downgraded from a nice single apartment to a house with five roommates.
--Since it's easier to get credit while you're employed, look into opening another credit card or a home-equity line of credit as a precaution in case money becomes hard to access if you are unemployed. But use this credit only as a last resort.
When the Word Comes Down
--File for unemployment benefits immediately, says Linda Robertson, a senior financial planner with Financial Finesse. A severance package from your employer could delay your eligibility, but 'so many of the unemployment offices are overwhelmed right now and are behind,' she says.
--Call your landlord or lender if your layoff results in immediate financial instability. Ask about deferred-payment plans for rent or find out if your lender offers programs to restructure any loans, says Ms. Robertson. If you're financially stable, you may still want to alert your landlord or lender to your employment situation in case you have trouble making future payments.
--Look into all your health-insurance options. The government made some modifications to the federal COBRA law, which allows people to extend their previous coverage, but know that this isn't always the most affordable plan. Young and healthy? A high-deductible plan might still be more affordable.
The First Six Months
--Develop a bare-bones budget -- and stick to it -- so your severance or emergency funds will last as long as possible.
--Prioritize your debts. When the bills come, pay the big ones -- such as rent or mortgage, utilities and car payments -- before making minimum payments on your credit cards, suggests Ms. Robertson.
--If money starts getting tight, consider further downsizing your home or selling any nonessential cars, electronics, jewelry or other valuables, says Dan Houston, president of retirement and investor services at Principal Financial Group.
Six Months and Beyond
--De-invest. Start by looking for securities you might liquidate in nonretirement accounts. Potential tax write-offs could help make the losses easier to stomach. 'If they've got a capital loss, they can write that off against any gains,' says Ms. Robertson. 'Or they can write off up to $3,000 of a capital loss against any other income.'
--Then tap your Roth IRA. Money grows tax-free in these retirement accounts, and you can usually withdraw contributions with no tax liability. 'That should be one of your measures of last resort, because we want that money to remain in that tax shelter,' says Ms. Walbert.
--Keep your hands off your traditional IRA or 401(k) until the very last moment. 'You'll not only have to pay taxes on those withdrawals, but you'll also pay penalties,' says Mr. Houston. 'You'll lose all of the compounding interest and yield. Plus, the probability of you replacing those dollars down the road is pretty remote, since the tendency for most is to spend instead of replace.'
確實，目前時世艱難。大銀行要靠政府救命，房價一落千丈，股市萎靡不振，失業(yè)率高得離譜。
對了...還有，你怎么樣？你的住房怎么樣？你的投資怎么樣？你的工作怎么樣？
你是否覺得很安心？你覺得自己將會遇到的最糟糕的事情是什么？
我們把這個問題交給一位專家來解答，他名叫喬舒華?皮文(Joshua Piven)，是《教你如何度過難關(guān)》(Worst-Case Scenario Survival Handbook)一書的作者。他的回答不太好聽：“你沒了工作，沒了存款或應(yīng)急資金，只能把房子賣掉，但市場不好，賣不出去，你只能搬家，讓孩子休學(xué)，新工作也很難找，你只好徹底改變自己的生活方式?！?br>“然后你價格可能就會無家可歸，可能就會酗酒度日，可能就只能住在鐵軌旁邊?！?br>確實，越來越多的人正面臨長期失業(yè)的問題，以及隨之而來的拮 。
根據(jù)美國勞動統(tǒng)計局(Bureau of Labor Statistics)的資料，2009年1月，美國失業(yè)率高達7.6%，有1,160萬人失業(yè)，失業(yè)時間在6個月以上的人數(shù)持續(xù)增長，1月份超過了260萬人。
馬里蘭大學(xué)(University of Maryland)的經(jīng)濟學(xué)家商務(wù)英語凱薩琳?阿芭拉多少錢價格漢姆(Katharine Abraham)說，失業(yè)率上升時，失業(yè)持續(xù)期通常也會隨之變長。
根據(jù)美聯(lián)儲(Federal Reserve)預(yù)測，2009年，美國失業(yè)率可能高達8.8%，而且更多的人會面臨更長時間的失業(yè)。
一費用直以來，人們都有一個西北旺商務(wù)英語培訓(xùn)多少錢常識，家里要準(zhǔn)備6個月的生活費用，用來應(yīng)急和防備失業(yè)。然而，越來越多的人要花半年以上的時間才能找到新工作，因此應(yīng)急資金可能不夠，你不得不更加節(jié)衣縮食。
“做最壞的打算也許很痛苦，但你一定得精打細(xì)算，量入為出，”一家財務(wù)培訓(xùn)企業(yè)Financial Finesse的首席執(zhí)行官麗茲?大衛(wèi)森(Liz Davidson)說道。
下面列出你現(xiàn)在就要注意的事項：
如果你還有工作
--將應(yīng)急旺資金增加一培訓(xùn)倍，其中一個辦法是每個月的信用卡帳單只付低還款額。這種做法可能和慣常的財務(wù)建議不同，但對那些擔(dān)心失業(yè)的人來說，現(xiàn)在并非慣常時期。把這樣節(jié)省下來的錢投資于貨幣市場或高利率存款，聯(lián)合服務(wù)汽車協(xié)會(USAA)的金融規(guī)劃師朱恩?沃伯特(June Walbert)建議道。USAA主要向軍人及其家庭提供服務(wù)。
--考慮降低住房標(biāo)準(zhǔn)。舉例而言，薩克森?安德森(Saxon Anderson)在洛杉磯地區(qū)一個購物商場里經(jīng)營一個牙齒增白小店，由于生意開始轉(zhuǎn)淡，26歲的安德森從一個不錯的單身公寓搬出來，和五個人合租了一棟房子。
--你有工作的時候，更容易得到銀行信貸。因此，看看能不能再辦一張信用卡，或用房子做抵押申請貸款，以防失業(yè)后難以借到資金；但這些信貸額度只有等萬不得已才能使用。
如果商務(wù)英語費用你已經(jīng)失業(yè)
--你應(yīng)該馬上申請失業(yè)救濟，F(xiàn)inancial Finesse公司的資深金融規(guī)劃師琳達?羅伯森(Linda Robertson)說道。由于公司給你支付了解雇賠償，因此你還不具備馬上領(lǐng)取救濟金的資格，“但現(xiàn)在許多就業(yè)辦公室都擠滿了申請救西北旺商務(wù)英語培訓(xùn)費用濟金的人，所以還是早點排隊的好，” 羅伯森說道。
--如果你失業(yè)后個人的經(jīng)濟狀況馬上變得捉襟見肘，那就應(yīng)該給你的房東或貸款人打電話，詢問房東能否延緩支付房租，或貸款人能否提供債務(wù)重組的選擇，羅伯森說道。即使你經(jīng)濟上還算穩(wěn)定，你也可以把失業(yè)的情況告訴房東或貸款人，以防今后付款出現(xiàn)困難。
--研究一下自己的醫(yī)療保險方案。政府修改了“統(tǒng)一綜合預(yù)算協(xié)調(diào)法案”(COBRA)，允許失業(yè)者繼續(xù)維持以前的醫(yī)療保險，但你要知道，以前的醫(yī)療保險不一定是西北培訓(xùn)經(jīng)濟的方案。如果你還年輕，身體不錯，就可以考慮高自付額醫(yī)療保險, 從而節(jié)省費用支出。
失業(yè)的頭六個月
--制定一個節(jié)儉到家的預(yù)算，并堅決予以執(zhí)行，這樣你的解雇賠償或應(yīng)急資金能用得更久一些。
--把個人債務(wù)按優(yōu)多西北旺商務(wù)英語培訓(xùn)價格少錢先次序排列。羅伯森建議，帳單寄到家時，先支付大筆金額的單子，比如房租、房貸、公共事業(yè)費或車貸等，然后再支付低還款額的信用卡帳單。
--如果你手頭越來越緊，可以考慮搬到更小的房子去住，或者賣掉可有可西北無的汽車、電器、珠寶或其他貴重物品，Principal Financial Group退休金及投資者服務(wù)部的負(fù)責(zé)人丹?休士頓(Dan Houston)說道。
失業(yè)六個月以上
--收回投資。先把非退休金帳戶中的證券套現(xiàn)，如果是虧旺損賣出，虧損部分也許可以抵扣個人所得稅，從而讓你感覺好受一點?！叭绻霈F(xiàn)資本損失，納稅時可以與資本利得相互抵消，” 羅伯森說，“也可以選擇用資本損失抵扣其他收入項目的稅額，高不超過3,000美元?！?br>--然后考慮從Roth個人退休金賬戶(Roth IRA)中取錢。這些退休帳戶的投資收益是免稅的，而且支取時通常不需要納稅。“這是你山窮水盡后才能動用的錢，因為這些資金能夠享受免稅待遇，”沃伯特說道。
--除非萬不得已，否則不要動用IRA或401(k)這類個人退休帳戶的錢。“如果提前支取，你不但要納稅，還要支付罰金，”休士頓說?！疤崆爸∵€會使你喪失所有復(fù)利和投資收益。此外，你今后重新把錢補進退休帳戶的可能性很低，因為大多數(shù)人一般有錢就花掉了，而不會用來補充退休帳戶?！?
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