双语退休后增收的建议.docx

双语：助你退休后增收的七条建议2014年07月17日12:24??中国日报网? ???收藏本文?? ??双语：助你退休后增收的七条建议　　To live comfortably in retirement, you need to save until it hurts, says financial adviser and best-selling author Ric Edelman。　　People give lots of excuses for not saving for retirement, he says. They may be procrastinating, think they cant afford to save or fear losing money to bad investments, but they have to overcome those fears, because a financially secure future will be up to them, says Edelman, who has a new book on the topic,The Truth about Retirement Plans and IRAs。　　The CEO and founder of Edelman Financial Services, a firm with more than $12 billion in assets under management, Edelman has written eight personal finance books, including the best-selling The Truth About Money. Hes also a national radio and TV host。　　If youre not tucking money away for the future now, you can start by saving as little as $10 a paycheck or putting away half your next raise, he says. A small amount of money can produce massive amounts of wealth over time. The key is getting started.　　It used to be that people didnt worry about saving for their later years because many had pensions, and they didnt live as long as people do now, Edelman says. But we can no longer count on our employers, partly because they arent offering pensions, and we dont stay with one employer. Many people change jobs every few years.　　Most experts expect Social Security benefits will be lower in the future, he says. You cant count on your employer and you cant count on the government, therefore your retirement is up to you. That statement scares people, but in fact it should empower you, because its remarkably easy to achieve retirement savings success.　　身兼财政顾问和畅销书作家的瑞克·爱德曼说，为了在退休后生活舒适惬意，你需要“节省资金以备不时之需”。　　爱德曼说，人们给出许多理由解释不节省的原因。他们可能是借故推迟，认为面对糟糕的投资时不能应付过去或害怕失去资金。但是必须克服种种担心，因为“他们将来的财政安全就取决于此，”爱德曼说，针对此课题，他出版了一本新的图书，名叫《退休的真相》。　　作为爱德曼金融服务中心的首席执行官和缔造者，爱德曼已编著8本个人财务书籍，包括畅销书《金钱的真相》。他同样是国家电台和电视主持人。而他的公司管理有条，已拥有超过120亿的资产。　　如果还未为将来存储资金，那么你要开始此项工作了。例如