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还记得CE: Teens在今年一月推出的人生规划专题吗？不少读者从中受到启发，产生了大大小小的梦想。在构思未来的时候，你是否想到一个切实的问题—梦想的启动资金在哪里？
随着经济发展和投资热潮，“你不理财，财不理你”的想法流传了开来，个人理财逐渐进入寻常百姓家—其中，以少年理财的推广尤其引人关注。无论你打算存钱买电脑或上大学，或者准备暑期打工积累经验，又或是希望将来投资创业，少年理财都是你不可或缺的人生一课。
Teenagers are definitely consumers in the first place. Every year they contribute billions of money to the economy. Never has a generation of young people spent so much money yet understood so little about how to manage it. Recent surveys show that most teens are facing financial illiteracy[文盲]. Studies indicate that these youths are likely to have more financial problems when they grow up.
Therefore, from America to China, governmental organizations and financial companies are making effort to educate teens about money management. For example, offerings of personal finance classes in high schools throughout the United States are growing. In many states, students will have to complete a semester[学期]-long personal finance class as a graduation requirement.
New Trend of Financial Camps
To the average kid, summertime means no school, vacation and camp. But there are groups of young people who are actually getting schooled during the summer, and they are having a great time. Welcome to “investment camp,”where young people learn to recognize stock market trends, invest in steady growth companies, recognize and minimize[减至最低] risks, and build a balanced and diversified [多样化] portfolio[投资组合].
“I really liked the format[安排] of the program. We attended workshops[研讨会] as a group, we ate meals and lived together in a dorm-like fashion, and we did interactive[互动的] games to make the learning fun,”says a camper.
There are dozens of camps around America that teach students how to invest, or even how to start a business. Such camps can help teens avoid some of the mistakes of their parents. Instead of spending what they earn, kids are taught how to handle their finance for the long-term. Most importantly, it is a real-life approach[方法] to help teens learn how to manage and grow their money.
Good Habit of Saving Money
Remember receiving your pocket money or allowance[定期给的钱] with a stern[严肃的] warning to save it, rather than blow[乱花钱] it all at the candy store? You don’t need to join any financial camp or investment club to know that the basic step of personal finance is saving money.
How much should you save? You actually may be able to save 100% of your money. Does that mean you should? Not at all. The best way to develop good saving habits is to make saving a regular part of your life, along with spending. Whenever some money gets into your hands, take your savings out immediately ?20%, for example. The beauty of this system is that once you誺e removed your savings, you’ve free to spend the rest.
Multi-way of Part-time Jobs
The most common way that most young people get money is through an allowance. Not every teen gets one, of course. However, there are more ways to get money.
One of them is selling things. If your closet is full of belongings that you no longer need or want, consider selling them. You could hold a yard sale注 in your neighborhood. You might even offer to sell other people’s knick-knacks[小玩意], for a small fee or a percentage of the price. Another option is selling items online, such as on eBay.
Another way, or perhaps the most obvious way to earn money is part-time or full-time summer jobs. There are many jobs you can find or create. You have more choices than just working at McDonald’s or babysitting:
★Pet-sitting. When someone in your neighborhood goes on vacation, there’s often a pet that needs looking after. Also, with people working longer and longer hours, some will pay you to visit their pets during the day and take them for a walk.
★ Working for your parents. If mom or dad owns a business, they might be able to use your help. Even if they work for a company, they may still be able to get you a part-time job there.
★Working in Department stores.A big perk[好处] with these jobs is that you often get to enjoy employee discounts[折扣] (which can be substantial[可观的], often 20-30% off) and commissions[提成] on items you sell.
★Being a computer guru[权威]. If you know enough about computers to create websites, you can make some good money. Meanwhile, many people buy computers and have a lot of trouble setting them up and trying to use them. Even if you have an intermediate[中级的] familiarity with computers, you might offer your services as a local computer consultant[顾问].
★Using your skills. Think about what you’ve good at, and try to teach others ?adults or children. Besides subjects you are good at, you might offer piano lessons, painting lessons, or dancing lessons. If you play an instrument, perhaps you could play at weddings or other events. If you enjoy arts and crafts[手工], you might make jewelry[首饰] or other items and sell them. If you write, you could try to sell articles to magazines and newspapers.
首先青少年无疑是消费者。他们每年都为社会经济贡献数十亿的财富。从没有哪代人能花如此多钱，却对如何理财如此无知。最近的调查显示大多数青少年正面临“理财文盲”的问题。研究发现这些年轻人长大以后会遇到更多财政上的问题。
因此，从美国到中国，各政府机构和理财公司都在努力教育青少年如何理财。例如在美国各地，提供个人理财课程的高中不断增多。在许多州，学生必须完成一个学期的个人理财课程才能达到毕业要求。
新潮夏令营
对一般的孩子来说，夏日意味着不用上学、放假和夏令营。但有不少年轻人要在夏天上学，还乐此不疲。欢迎来到“投资夏令营”，年轻人在这里了解股市趋势，投资稳定增值的公司，认识风险并将其减至最低程度，并且建立均衡、多元化的投资组合。
“我非常喜欢夏令营的项目安排。我们以团队的形式参加研讨会，一起吃饭，一起过住宿生活，我们还会玩互动游戏，让学习妙趣横生，”一位参加者这样说道。
全美国有数十个教育学生如何投资甚至创业的夏令营。这些夏令营能帮助青少年避免重蹈其父母的理财覆辙。孩子们在这里学习如何进行长期理财，而不再是将收入花得一干二净。最重要的是，这种夏令营能通过现实生活教育青少年如何管理财富并让财富增值。
储蓄好习惯
你还记得拿到零花钱的时候被严正警告要存起来，不要全花在糖果店吗？不需要参加任何理财夏令营或者投资社团，你也知道个人理财的基础就是储蓄。
你应该存多少钱？事实上，你也许可以把全部钱都存起来。那是否意味着你就应该这样做呢？一点也不。养成良好的储蓄习惯的最佳办法就是让存钱和花钱一样，成为你生活固定的一部分。每当你手头有一点钱，马上从中拿出要储蓄的部分—例如20％的钱。这种办法的好处在于一旦你把要存的钱拿了出来，剩下的就可以自由消费了。
多途径兼职
部分年轻人得到财富最常见的方式便是来自零花钱。当然，不是每个青少年都能拿到零花钱，但赚钱还有其它的方法。
其中一个方法就是卖东西。如果你的柜子里满是你不需要或者不想要的东西，考虑把它们卖出去吧。你可以在你家附近搞一个“后院卖场”。你甚至可以通过收取一点费用或者售价的百分之几的方式给别人摆卖他们的小玩意。另一个选择就是将东西拿到网上卖，例如易趣网。
另外一个—或者也是最显而易见的赚钱方法就是做兼职或全职的暑期工。你可以发掘或者创造数不胜数的工作。你其实有更多选择，而不仅仅是在麦当劳打工或者帮人照看小孩：
★宠物保姆。当你家附近有人要出去度假时，常常有宠物需要照顾。同样的，在人们工作时间越来越长的情况下，有些人会付钱让你在白天照看他们的宠物以及带它们去散步。
★为父母打工。如果你的爸爸妈妈自己当老板，他们或许能让你帮忙。即使他们在公司上班，他们还是可能帮你在那里找到一份兼职。
★店员。这类职业的一大好处就是你常常可以享受到员工折扣（折扣额可能相当可观，一般有七到八折），还能通过卖出的商品提成。
★电脑高手。如果你对电脑有足够了解，懂得制作网站，你就可以赚到不错的收入。同时，许多买电脑的人不懂得如何组装或使用。即使你对电脑只有中等程度的了解，你也可以提供本地电脑顾问服务。
★发挥才能。思考一下你擅长的东西，尝试给别人上课—无论是成人或者儿童。除了你擅长的科目，你还可以教别人弹钢琴、绘画或者跳舞等。如果你会一门乐器，也许你可以在婚礼或者其它活动上演奏。如果你喜欢艺术和手工，也许你可以出售自己制作的首饰等小东西。如果你擅长写作，你可以尝试向杂志或者报纸投稿。
随着经济发展和投资热潮，“你不理财，财不理你”的想法流传了开来，个人理财逐渐进入寻常百姓家—其中，以少年理财的推广尤其引人关注。无论你打算存钱买电脑或上大学，或者准备暑期打工积累经验，又或是希望将来投资创业，少年理财都是你不可或缺的人生一课。
Teenagers are definitely consumers in the first place. Every year they contribute billions of money to the economy. Never has a generation of young people spent so much money yet understood so little about how to manage it. Recent surveys show that most teens are facing financial illiteracy[文盲]. Studies indicate that these youths are likely to have more financial problems when they grow up.
Therefore, from America to China, governmental organizations and financial companies are making effort to educate teens about money management. For example, offerings of personal finance classes in high schools throughout the United States are growing. In many states, students will have to complete a semester[学期]-long personal finance class as a graduation requirement.
New Trend of Financial Camps
To the average kid, summertime means no school, vacation and camp. But there are groups of young people who are actually getting schooled during the summer, and they are having a great time. Welcome to “investment camp,”where young people learn to recognize stock market trends, invest in steady growth companies, recognize and minimize[减至最低] risks, and build a balanced and diversified [多样化] portfolio[投资组合].
“I really liked the format[安排] of the program. We attended workshops[研讨会] as a group, we ate meals and lived together in a dorm-like fashion, and we did interactive[互动的] games to make the learning fun,”says a camper.
There are dozens of camps around America that teach students how to invest, or even how to start a business. Such camps can help teens avoid some of the mistakes of their parents. Instead of spending what they earn, kids are taught how to handle their finance for the long-term. Most importantly, it is a real-life approach[方法] to help teens learn how to manage and grow their money.
Good Habit of Saving Money
Remember receiving your pocket money or allowance[定期给的钱] with a stern[严肃的] warning to save it, rather than blow[乱花钱] it all at the candy store? You don’t need to join any financial camp or investment club to know that the basic step of personal finance is saving money.
How much should you save? You actually may be able to save 100% of your money. Does that mean you should? Not at all. The best way to develop good saving habits is to make saving a regular part of your life, along with spending. Whenever some money gets into your hands, take your savings out immediately ?20%, for example. The beauty of this system is that once you誺e removed your savings, you’ve free to spend the rest.
Multi-way of Part-time Jobs
The most common way that most young people get money is through an allowance. Not every teen gets one, of course. However, there are more ways to get money.
One of them is selling things. If your closet is full of belongings that you no longer need or want, consider selling them. You could hold a yard sale注 in your neighborhood. You might even offer to sell other people’s knick-knacks[小玩意], for a small fee or a percentage of the price. Another option is selling items online, such as on eBay.
Another way, or perhaps the most obvious way to earn money is part-time or full-time summer jobs. There are many jobs you can find or create. You have more choices than just working at McDonald’s or babysitting:
★Pet-sitting. When someone in your neighborhood goes on vacation, there’s often a pet that needs looking after. Also, with people working longer and longer hours, some will pay you to visit their pets during the day and take them for a walk.
★ Working for your parents. If mom or dad owns a business, they might be able to use your help. Even if they work for a company, they may still be able to get you a part-time job there.
★Working in Department stores.A big perk[好处] with these jobs is that you often get to enjoy employee discounts[折扣] (which can be substantial[可观的], often 20-30% off) and commissions[提成] on items you sell.
★Being a computer guru[权威]. If you know enough about computers to create websites, you can make some good money. Meanwhile, many people buy computers and have a lot of trouble setting them up and trying to use them. Even if you have an intermediate[中级的] familiarity with computers, you might offer your services as a local computer consultant[顾问].
★Using your skills. Think about what you’ve good at, and try to teach others ?adults or children. Besides subjects you are good at, you might offer piano lessons, painting lessons, or dancing lessons. If you play an instrument, perhaps you could play at weddings or other events. If you enjoy arts and crafts[手工], you might make jewelry[首饰] or other items and sell them. If you write, you could try to sell articles to magazines and newspapers.
首先青少年无疑是消费者。他们每年都为社会经济贡献数十亿的财富。从没有哪代人能花如此多钱，却对如何理财如此无知。最近的调查显示大多数青少年正面临“理财文盲”的问题。研究发现这些年轻人长大以后会遇到更多财政上的问题。
因此，从美国到中国，各政府机构和理财公司都在努力教育青少年如何理财。例如在美国各地，提供个人理财课程的高中不断增多。在许多州，学生必须完成一个学期的个人理财课程才能达到毕业要求。
新潮夏令营
对一般的孩子来说，夏日意味着不用上学、放假和夏令营。但有不少年轻人要在夏天上学，还乐此不疲。欢迎来到“投资夏令营”，年轻人在这里了解股市趋势，投资稳定增值的公司，认识风险并将其减至最低程度，并且建立均衡、多元化的投资组合。
“我非常喜欢夏令营的项目安排。我们以团队的形式参加研讨会，一起吃饭，一起过住宿生活，我们还会玩互动游戏，让学习妙趣横生，”一位参加者这样说道。
全美国有数十个教育学生如何投资甚至创业的夏令营。这些夏令营能帮助青少年避免重蹈其父母的理财覆辙。孩子们在这里学习如何进行长期理财，而不再是将收入花得一干二净。最重要的是，这种夏令营能通过现实生活教育青少年如何管理财富并让财富增值。
储蓄好习惯
你还记得拿到零花钱的时候被严正警告要存起来，不要全花在糖果店吗？不需要参加任何理财夏令营或者投资社团，你也知道个人理财的基础就是储蓄。
你应该存多少钱？事实上，你也许可以把全部钱都存起来。那是否意味着你就应该这样做呢？一点也不。养成良好的储蓄习惯的最佳办法就是让存钱和花钱一样，成为你生活固定的一部分。每当你手头有一点钱，马上从中拿出要储蓄的部分—例如20％的钱。这种办法的好处在于一旦你把要存的钱拿了出来，剩下的就可以自由消费了。
多途径兼职
部分年轻人得到财富最常见的方式便是来自零花钱。当然，不是每个青少年都能拿到零花钱，但赚钱还有其它的方法。
其中一个方法就是卖东西。如果你的柜子里满是你不需要或者不想要的东西，考虑把它们卖出去吧。你可以在你家附近搞一个“后院卖场”。你甚至可以通过收取一点费用或者售价的百分之几的方式给别人摆卖他们的小玩意。另一个选择就是将东西拿到网上卖，例如易趣网。
另外一个—或者也是最显而易见的赚钱方法就是做兼职或全职的暑期工。你可以发掘或者创造数不胜数的工作。你其实有更多选择，而不仅仅是在麦当劳打工或者帮人照看小孩：
★宠物保姆。当你家附近有人要出去度假时，常常有宠物需要照顾。同样的，在人们工作时间越来越长的情况下，有些人会付钱让你在白天照看他们的宠物以及带它们去散步。
★为父母打工。如果你的爸爸妈妈自己当老板，他们或许能让你帮忙。即使他们在公司上班，他们还是可能帮你在那里找到一份兼职。
★店员。这类职业的一大好处就是你常常可以享受到员工折扣（折扣额可能相当可观，一般有七到八折），还能通过卖出的商品提成。
★电脑高手。如果你对电脑有足够了解，懂得制作网站，你就可以赚到不错的收入。同时，许多买电脑的人不懂得如何组装或使用。即使你对电脑只有中等程度的了解，你也可以提供本地电脑顾问服务。
★发挥才能。思考一下你擅长的东西，尝试给别人上课—无论是成人或者儿童。除了你擅长的科目，你还可以教别人弹钢琴、绘画或者跳舞等。如果你会一门乐器，也许你可以在婚礼或者其它活动上演奏。如果你喜欢艺术和手工，也许你可以出售自己制作的首饰等小东西。如果你擅长写作，你可以尝试向杂志或者报纸投稿。