I write a lot about personal finance. I hear a lot about how different employers are handling the current economic crunch and, lately, what I've been hearing makes me pretty uncomfortable about working for a long list of companies. Some employers are slashing benefits — effectively cutting their employees' salaries while inflation reduces their buying power.我写了一些个人理财方面的文章,听到很多关于雇主是如何处理当前资金困难的事情。
最近听到的一些,令我感到为一个又一个的公司工作很让人难受。许多雇主大幅度削减利润——实际上是在通货膨胀降低了购买力的时候,削减雇员工资。
I want to suggest entrepreneurship as an alternative, but I realize that it isn't a great option for everyone. I've been putting together a list of pros and cons in an effort to decide whether starting up a business is really a good idea for some people, especially in the middle of ongoing financial problems. I've tried to stick to financial and business issues while it's nice that many small business owners can spend more time with their families, I don't think that's the biggest issue for many folks considering entrepreneurship right now.我想建议把做企业主当做一个选择,不过,我知道这不是所有人的最佳选择。我已经列出利与弊的清单,尽力确定做生意对某些人来说是否真是个好主意,特别是在金融问题继续发展之时。
我一直坚持研究金融和商业问题,既然那些小生意人能有更多的时间和家人共度,我认为对许多人来说马上考虑做企业主不是最大的问题。The Pros 利1. If your employer is letting you go, offering early retirement or using another euphemism for firing you, it may be hard to find another job immediately. Being in business for yourself allows you to immediately start working on making money, rather than proofreading your resume.1. 如果雇主正要解雇你,提出让你提前退休,或用其它委婉的说法解雇你,你可能很难马上找到其它工作。
自己做生意能让你立即开始工作赚钱,而不必一遍遍地给人看简历。2. Without the middleman (a.k.a. your employer) you can charge significantly more for your services — along the lines of what your employer was charging for your work.2. 没有了中间人(也称为雇主)你可以从自己的服务中获取更可观的效益——包括雇主从你的工作中获取的利润。
3. You don't have to go whole hog into running your own business. You can try out your business on a part-time, evenings and weekends, basis while still working your current job.3. 你不必须一心扑在自己的生意上,可以花部分时间,晚上或者周末试着做做生意,而主要精力还放在当前的工作上。4. It can be easier to pick up overtime if you no longer have to get your manager to sign off on it. If you run your own business, overtime is a matter of finding another client or customer.4. 如果加班不必非要经理签字了,就能更容易得到加班费。
如果自己做生意,加班是寻找新客户和联系老主顾的重要环节。5. The cost of working at home is much lower than for your employer: you don't have to pay to commute, you can eat inexpensively in your own kitchen and you only have to meet a dress code when you'll actually be seeing a client. And, while this isn't particularly noble, you can avoid the constant birthday parties, baby showers and other office events that constantly drain your time and your wallet.5. 在家工作比为雇主工作费用低得多:你不必付交通费,还可以花很少的钱在家做饭吃,而且只有当你确实要去见客户的时候,才需要穿正装。
即使这些都不特别重要,你还能逃避接连不断的生日宴会、新生儿喜宴,以及其它不断消耗你的时间和金钱的办公室活动。6. Just about all of the expenses associated with your business are tax deductible. Running your own business can make your tax burden significantly lower — and a surprising number of things are considered business expenses, like conference registrations.6. 和你的生意有关系的一切费用就只是扣除营业税了。
经营自己的生意能让你的税务负担大大降低——像会议注册这样被视为业务费用的事情多得惊人。The Cons 弊端1. While getting health insurance without an employer providing it isn't impossible, it can be pretty difficult — especially if you actually need. Pre-existing conditions can make it absolutely impossible to get health insurance on your own.1. 然而,虽然没有雇主为你投保,也不是绝对上不了医保,但可能会非常困难——尤其是已经患病的人,根据预定的参保条件,要想靠自己得到健康保险是完全不可能的。
2. With a job, if you aren't quite on the ball one week, you still get paid. But if you fumble on your own business, you can wind up losing money. Even if you have a contract, sometimes things can go very wrong. An employer absorbs those problems, but can you do that if you're on your 。
首先,建议你即使不用学德语,德国人从小学开始接受英语教育,十分愿意用英语谈生意。
(我曾在两家德国的跨国公司工作,自认深悉) 其次,西班牙语是世界最通用的第二语言(而不是法语、葡萄牙语),美国人学西班牙语就像我们学英语一样普及。中南美洲的大部分国家也以西班牙语为法定语言。
可以认真考虑! 阿拉伯语我不太看好,除非你是到中东去做生意的,否则,你到一个欧洲的地方,找个跟你对侃阿拉伯语的人都不多。相反,西班牙语和英语在欧洲倒是非常通行。
但是还有一个建议:你的英文一定要过硬!不仅对学期他欧洲语言有利,在你的另一门外语不流利的情况下,这是个最重要,最直接的补充! 在我们看不上眼的东欧,人民的语言素质非常之高,比如波兰,人民普遍会讲英语、德语、俄语(当然更会波兰语);西欧的话,比利时、荷兰、瑞士等富庶的中小国家人人至少会讲法语、德语、英语、荷兰语之中的三种。 =================================================== 另外,你是打算到哪里去做生意?也许我可以给你更进一步的帮助! 。
声明:本网站尊重并保护知识产权,根据《信息网络传播权保护条例》,如果我们转载的作品侵犯了您的权利,请在一个月内通知我们,我们会及时删除。
蜀ICP备2020033479号-4 Copyright © 2016 学习鸟. 页面生成时间:2.541秒