ADM-201 dump PMP dumps pdf SSCP exam materials CBAP exam sample questions

为什么穷人的生活成本更高? – 译学馆
未登录,请登录后再发表信息
最新评论 (0)
播放视频

为什么穷人的生活成本更高?

Why It's More Expensive To Be Poor

Most people are not super wealthy,
大多数人并非大富大贵
but we all have an idea what it might be like to be a wealthy person.
但我们多少都对富人的生活有大致的概念
We watch them on TV, we follow them on Instagram,
我们在电视上看他们 在Ins上关注他们
we read their blogs and autobiographies.
我们阅读他们的博客和自传
Unfortunately, that awareness of how the other half lives
不幸的是 我们并不像了解富人生活一样
doesn’t happen much in the other direction.
了解穷人生活
Though many of us have probably described ourselves
尽管我们中的许多人有时会称自己为
as “broke” or “poor” at one point or another,
“破产者”或“穷人”
very few have an understanding of what real poverty feels like.
却很少有人知道真正的贫穷是什么感觉
And it’s not just a matter of having less money.
真正的贫穷不仅仅是拥有更少的钱
Once you get below a certain threshold,
一旦穷到一定程度
a whole new set of rules apply that
会有一套全新的规则
actually make day-to-day life more expensive.
使他们的日常生活更加昂贵
If you’ve never struggled with real poverty,
如果你从未经历过真正的贫穷
you might not be aware of the many hidden costs and financial traps that conspire
你可能不会知道许多隐性的生活成本和金融陷阱
to keep poor people poor.
都是使穷人一直贫穷的原因
It’s very hard to make your way through modern life
不使用基本金融服务
without access to basic financial services
如活期存款 自动提款和个人支票等
like checking accounts, ATMs and personal checks.
是很难过现代生活的
But the less money you have,
但是你拥有的钱越少
the more these things will cost you.
这些基本金融服务的花费反而越高
That’s because banks make their profits
那是因为银行通过用你的钱
by accruing interest on your money.
积累贷款利息来获利
So if your account balance is too low, usually under $1,500,
因此 如果你的账户余额过低 通常低于1500美元
they won’t consider you a profitable client anymore,
银行便不再认为你是能带来利润的客户
and they’ll make you pay for their basic services in the form of a monthly fee.
并让你按月缴纳基础服务费
And heaven help you if you go below zero.
如果你的账户余额为负 只有上帝帮助你
Each overdraft incurs a charge of about $ 35, and
每笔透支收取约35美元费用
many banks will deliberately reorder your transactions for the day, from biggest to smallest,
许多银行会故意从大到小重新排列当天的交易
to drive you into the red more quickly and rack up as many overdraft fees as possible.
导致你在更短的时间变为赤字 以尽可能多地收取透支费用
If a bank is willing to extend you credit at all,
如果一家银行愿意向你提供信贷
the terms will be much less favorable
那么条件将远不如
than for someone with a rosier financial history.
那些有更好的金融记录的人
You’ll pay more money in interest every month,
你每个月都会付更多的利息
and any late payments means more penalties and fees.
任何迟交都意味着更多的罚款和费用
Even cash can be more expensive
如果你没有那么多钱的话
if you don’t have much of it.
即使使用现金也可能更贵
If you withdraw $100 from
如果你从自动取款机
an out-of-network ATM,
取款100美元
that $ 3 fee equates to a 3 % service charge.
支付的那3美元费用相当于3%的服务费
But if you can only
但如果你一次
afford to take out 20 bucks at a time,
只能拿出20块钱
you’re essentially paying a 15 % charge to access
你就得付15%的费用
your own money.
才能拿到你自己的钱
Taken together, this means
总的来说 这意味着
that a poor person might end up paying hundreds or thousands
一个穷人一年可能支付上百甚至上千美元
of dollars a year for services that wealthier people virtually enjoy for free.
来获得富人几乎是可以免费享受的服务
It’s no wondering then, that a lot of low-income people avoid banks altogether —
难怪许多低收入人群干脆避开银行
but even that comes
但即便是这样
at a steep price.
也要付出高昂的代价
Cashing a paycheck without a bank account costs money.
在没有银行账户的情况下兑现薪水是要花钱的
Buying a money
买一张汇票
order to pay your electric bill costs money.
来付电费是要花钱的
And if that bill is due in just a couple days? Well,
如果账单几天后就到期怎么办?
you can either get hit with a late fee,
好吧 你可能会收到滞纳金
or FedEx it — an extra expense that someone
或者使用联邦快递来邮寄汇票
with a debit card and an internet connection never has to worry about.
这是一项额外的开支 拥有借记卡和互联网的人从来不用担心
If you think that dealing with credit card debt is bad,
如果你认为使用信用卡是不好的
thank your lucky stars you’ve
感谢你的幸运星
never dealt with a payday or car title lender.
你从未与发薪日或汽车租赁公司打交道
These businesses are often the only recourse
对于没有信用卡的人来说
for people without credit cards,
这些业务往往是唯一的选择
and their interest rates reach upwards of 800 % annually!
且他们的年利率达到800%以上
Not only does it cost more to borrow and spend money,
穷人不仅仅是借钱和花钱成本更高
but what you spend it on is often more expensive!
花钱的对象也通常更为昂贵
If you have to feed a family
如果你不得不靠吃紧的预算养活一个家庭
on a tight budget, buying in bulk at a supermarket
在超市大批量地购物
is usually the best option — but not one available to many poor people.
通常是最佳选择 但对许多穷人来说并不可行
Even if they had the
即便他们有现金
cash on hand to buy weeks’ worth
一次买几周的食物
of food in one trip, how is someone who depends on
可如何让一个坐公交的人
public transportation supposed to get it home?
带着沉重的食物回家呢
On their lap on the bus?
在公交上把东西都放大腿上吗
Big food retailers — ones with enough purchasing power to offer low prices —
有足够能力提供低价的大型食品零售商们
are notorious for
以规避贫民区
avoiding poor neighborhoods,
而臭名昭著
and people who live in these so-called “ food deserts ”
生活在这些所谓“食品沙漠”中的穷人们
often lack the mobility to cruise around town bargain-hunting.
往往不能在城里四处逛以买到便宜货
Instead
相反
They’re stuck with local convenience and corner stores, whose prices are much higher.
他们困在当地的便利店和街角商店中 而那里的价格要高得多
Or
又或者
They rely on fast food, which can seem cheap in comparison,
他们依赖看似较便宜的快餐
but is actually more expensive than cooking at home
但实际上没有在家里做饭划算
to say nothing of the long-term health risks.
更别提存在长期的健康隐患了
Rent can also be more expensive.
租房也可以更昂贵
Most landlords require a security deposit between $500 and $1000
许多房东会收取500到1000美元的保证金才能入住
to move in–an impossible sum for people barely scraping by.
对于勉强过日子的人来说根本支付不起
In that case,
在这种情况下
your only option (other than homelessness) might be a low-end extended stay motel,
你的唯一选择(假设你不是无家可归的人)大概就是住一个低端的延长住宿的汽车旅店
which typically don’t require deposits,
这通常不需要押金
but cost way more than an apartment in the long run.
但长远来看成本远远超过一套公寓
And they often lack amenities
而且它们往往缺乏厨房用具和洗衣机等
like kitchen appliances and laundry that save apartment-dwellers time
可以节省公寓居住者时间和金钱
and money.
的便利设施
They say “ time is money, ” and the less money you have,
人们说“时间就是金钱”
the more time you have to
你拥有的钱越少
spend on everyday tasks.
你花在日常事务上的时间就越多
Waiting at the bus stop, waiting at the laundromat, waiting at
在公交车站前等待 在自助洗衣店内等待
over crowded clinics and public offices.
在人满为患的诊所和公共办公室里等待
This leaves much less free time to take care of one’s family,
这样就没有那么多的空闲时间来照顾自己的家庭
pick up extra work,
接额外的工作
or strategize a way out of poverty.
或制定一个脱贫计划
It gets worse. Inflation,
事情变得更糟了 通货膨胀
the general increase in prices,
即总体物价上涨
tends to hit things like food, gas,
往往会对食品 汽油和房租之类的东西
and rent the hardest.
造成最严重的冲击
The lower your income, the greater percentage of it goes
你的收入越低 这些东西所花费成本
to those costs,
的比例就越大
so a poor person will see their year-over-year expenses go up at a higher rate
因此一个穷人将看到他的年开支增长速度
than a wealthy person.
比富人更快
All these pressures take a toll on one’s psyche
这些都会给穷人的心理带来负面压力
that only makes things worse.
只会让事情变得更糟
Imagine having to constantly make tough decisions
假设你需要不断作出艰难的选择
about where to spend your last few dollars:
权衡该如何花剩下的一点钱
Pay the water bill or buy food for dinner?
是交水费还是买晚饭?
Put gas in the car or see the doctor?
是给车加油还是看医生?
This relentless burning of mental energy leads to a deterioration
这种对精力的不间断消耗
in the quality of one’s judgement
导致一个人的判断质量下降
a phenomenon psychologists call “decision fatigue.”
心理学家把此类现象称为“决策疲劳”
It is why someone might visit a payday lender when they know it’s a bad idea —
这就是为什么穷人都知道发薪日贷款不好 却依然趋之若鹜
they’re so exhausted
他们太累了
that they’ll settle for a quick fix even
只想着能先快速安顿下来
if it will lead to more problems down the road
即便未来贷款会导致更多的问题
Closely related to decision fatigue is the “scarcity trap”,
和”决策疲劳”密切相关的是“稀缺陷阱”
which is our tendency
它是指我们倾向于
to fixate on the resources that we have the least of,
把注意力集中于我们拥有的最少的资源上
to the point that we lose sight of the big picture.
以至于忽略了全局
Running low on diapers, for instance,
比如 孩子的纸尿片快用完了
can create a feeling of panic
会让家长产生恐慌感
that compels a poor mother to buy 6 months worth of Huggies —
这迫使一个贫穷的母亲屯上半年的好奇牌纸尿裤
only to realize afterwards
但后来才意识到
that she didn’t set aside enough money for rent.
她没有足够的钱来交房租
Some might think that poor people just need to work harder and spend smarter.
有些人可能会认为 穷人只需要更努力工作 更理性消费
Well

it’s true that improving your financial situation requires these things,
好吧 改善你的财务状况确实需要做到这些
it also requires
可还需要
having at least a little bit of extra cash to move around,
至少有一点额外的现金来周转
and access to decent spending options.
以及拥有适当的消费选择
If you can’t choose where you shop, where you live,
如果你无法选择你的购物地点 你住的地方
or where you bank, you become a
或者你的银行
captive customer to predatory businesses.
你就是商家眼中的理想猎物
If you don’t have any extra money to save, invest,
如果你根本没有多余的钱来储蓄 投资
or budget, you can’t make a financial plan.
或者预算 你就无法制定财务计划
And when are you supposed to think about
当你忙着扑灭今天的大火时
tomorrow when you’re constantly putting out today’s fires?
哪还有时间想着明天怎么过呢
Next time you describe yourself as “ broke”,
下次 当你自嘲为“破产”
remember that having just a little bit of
可得记住 有哪怕一点回旋的余地
wiggle-room is infinitely better than having none at all.
总比什么都没有强的多
It can make all the difference
如果你想改善你的财务状况
if you‘re trying to improve your financial situation.
一点点回旋余地就会有很大不同
So if you do have that wiggle-room,
所以 如果你的确拥有小小的财务余地
be thankful and don’t waste it!
要心存感激 不要浪费它
And that’s our two cents!
这就是本期《两分钱》
Missing one payment can quickly spiral into a pit of debt.
忘记支付一笔账单可以让人迅速陷入债务困境
Has this ever happened to you and were you able to escape it?
你经历过这件事吗?那你摆脱困境了吗?
Share your story in the comments.
在评论中分享你的故事吧

发表评论

译制信息
视频概述

为什么穷人的生活成本反而更高?这要从银行的基本金融服务和穷人的隐性生活成本说起

听录译者

收集自网络

翻译译者

大头

审核员

审核员DB

视频来源

https://www.youtube.com/watch?v=aLwRZibUqL0

相关推荐