学校要教学生的五件事(2/6)

The first thing is personal finance. Every week or so, there always seems to be a new article in CNN, USA Today, or Yahoo about young adults struggling with debt, whether it be from credit cards or loans in general. High interest rates, hidden fees, not consolidating debt-these terms and concepts are mostly unknown to young adults and because of that ignorance, they tend to make big errors in judgment. Credit score is another big thing. A lot of young adults don't bother to check up on it to make sure there are no errors with it. Your credit score is your report card in the real world and it comes into play when you're buying a car, renting your first apartment, and even when you're getting a job. Protect that at all costs. Learn what drives your credit score down. Learn what drives your credit score up. Check up on it every now and then to ensure nothing is wrong with it.

首先是个人理财。CNN，《今日美国》，还有雅虎差不多每周都会出一则有关于年轻人欠债的报道，这些人通常因信用卡或者贷款债务缠身。年轻人对高利率，隐藏开销以及非合并债务这些名词几乎毫无概念，而且由于这方面的无知使得他们在判断的时候往往犯了致命的错误。信用评分也是不可忽视的。许多年轻人不厌其烦地对此核实就是为了确保它没有出错。你的信用评分代表着你在现实社会中的信誉报告单。当你需要买车，第一次租房甚至找工作的时候它便开始发挥作用。不惜一切代价保护你的信用。弄明白为什么你的信用评分会降低，为什么会上升。时不时地核实一下以确保万无一失。