PASSAGE SEVENTY-FOUR Piggy bank strategy 1.Wealth starts with a goal saving a dollar at a time. Call it the piggy bank strategy. There are lessons in that time-honored coin-saving container. 2.Any huge task seems easier when reduced to baby steps. I f you wished to climb a 12,000-foot mountain, and could do it a day at a time, you would only have to climb 33 feet daily to reach the top in a year. 3.If you want to take a really nice trip in 10 years for a special occasion, to collect the 15, 000 cost, you have to save 3.93 a day. 4.If you drop that into a piggy bank and then once a year put$1, 434 in a savings account at 1% interest rate after-tax, you will have your trip money. 5.When I was a child, my parents gave me a piggy bank to teach me that, if I wanted something, I should save money to buy it. 6.We associate piggy banks with children, but in many countries, the little containers are also popular with adults. Europeans see a piggy bank as a sign of good fortune and wealth. 7.Around the world, many believe a gift of a piggy bank on New Year’s Day brings good luck and financial success. Ah, but you have to put something in it. 8.Why is a pig used as a symbol of saving? Why not an elephant bank, which is bigger and holds more coins? 9.In the Middle Ages, before modern banking and credit instruments, people saved money at home, a few coins at a time dropped into a jar or dish. 10.Potters made these inexpensive containers from an orange-colored clay called “pygg”, and folks saved coins in pygg jars. The Middle English word for pig was “pigge”. 11.While the Saxons pronounced pygg, referring to the clay, as “pug”, eventually the two words changed into the same pronunciation, sounding the “i” as in pig or piggy. 12.As the word became less associated with the orange clay and more with the animal, a clever potter fashioned a pygg jar in the shape of a pig, delighting children and adults. 13.The piggy bank was born. Originally you had to break the bank to get to the money, bringing in a sense of seriousness into savings. While piggy banks teach children the wisdom of saving, adults often need to relearn childhood lessons. 14.Think about the things in life that require large amounts of money—college education, weddings, cars, medical care, starting a business, buying a home, and fun stuff like great trips. 15.So when you have money, take off the top 10%, put it aside, save and invest wisely. 第七十四篇 存钱罐策略 1.财富始于一次节省一美元的目标。我们可以把它称为“存钱罐策略”。在那个历史悠久的存钱罐里,我们可以学到很多东西。 2.任何艰巨的任务在简化成小步时似乎都更容易。如果你想爬一座12,000英尺高的山,这可以一天内做到,或者你可以每天只需要爬33英尺就能在一年内到达山顶。 3.如果你想在10年后为一个特殊的场合进行一次真正美好的旅行,为了收取15,000美元的费用,你必须每天节省3.93美元。 4.如果你把这些钱放进存钱罐里,然后每年存1434美元到一个税后利率为1%的储蓄账户里,你就有了旅行用的钱。 5.当我还是个孩子的时候,我的父母给了我一个储蓄罐,告诉我,如果我想要什么东西,我应该存钱去买。 6.我们把存钱罐和孩子联系在一起,但在许多国家,这种小容器也很受成年人的欢迎。欧洲人把存钱罐看作是好运和财富的象征。 7.在世界各地,许多人相信在新年第一天收到储蓄罐的礼物会带来好运和经济上的成功。但你得放点东西进去。 8.为什么猪被用作拯救的象征?为什么不建一个更大、能存放更多硬币的大象银行呢? 9.在中世纪,在现代银行和信贷工具出现之前,人们在家里存钱,每次把几个硬币扔进罐子或盘子里。 10.陶工们用一种叫做“pygg”的橙色粘土制作这些便宜的容器,人们把硬币保存在pygg罐子里。猪的中古英语单词是“pigge”。 11.虽然撒克逊人把pygg(指粘土)读成“pug”,但最终这两个单词变成了相同的发音,听起来像pig或piggy中的“i”。 12.随着这个词与橙色粘土的联系越来越少,越来越多地与动物联系在一起,一位聪明的陶工制作了一个猪形状的pygg罐,让孩子和大人都很高兴。 13.储蓄罐诞生了。最初,你必须倾家荡产才能拿到钱,这给储蓄带来了一种严肃的感觉。当储蓄罐教会孩子们储蓄的智慧时,成年人往往需要重新学习童年的经验。 14.想想生活中那些需要大量金钱的事情,大学教育、婚礼、汽车、医疗、创业、买房,以及像旅行这样有趣的事情。 15.所以当你有钱的时候,把那10%的钱存起来,明智地储蓄和投资。 |
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