【每日阅读训练第四期——速度越障6系列】【6-18】经管

猫咪团团

团团最近被工作缠的左支右拙的，实在没有精力保证小分队的作业能按时发给大家。所以，团团可能要离开小分队一段时间，有没有同学愿意接替团团加入小分队工作组的？有意者请站短我或者铁板神猴。

【速度】
SMART SPENDING
How to Save $2,500 a Year on Lunch
Most workers eat lunch out at least once a week. It's convenient and maybe even fun. But if you simply stop going to the deli or pizza shop you can retire on the savings. The trick is getting set up. Here's how.
By Dan Kadlec | @dankadlec | August 29, 2012 | 5

【计时1】
For years—no, decades—I’ve marveled at the lunch habits of my friends and colleagues. Where did they get the money to eat out every day? And even if they earned decent incomes, why did they choose to spend them this way?
I still don’t have answers, but at least I’ve found a soul mate. In her book What Are You Doing for Lunch, author Mona Meighan tries to talk sense into the lunch-out crowd, playing up not only the high cost of eating out but the poor nutrition as well. She says brown bagging can cut your weekly lunch cost by 80% and makes it easy to stay away from things like pizza and cheeseburgers.
Meighan is by no means the first to calculate the costs of eating lunch out. A recent survey in Canada found that 60% eat lunch out at least once a week and spend $7 to $13 each time. But many of those eat out at least three times a week, and at the $10 midpoint spend $1,500 a year. Those who eat out every workday spend $2,500 a year.
Your costs may vary. Based on this calculator, if you live, say, in New York, and spend $15 a day on lunch instead of brown bagging at a cost of $3 per day, you’ll save $31,200 over 10 years. If you invest your savings over that period at 2% you’ll earn $3,307.11 in interest for total net gain of $34,507.11.
This is math that every worker, especially young ones starting their careers, should consider. Annual lunch savings of $2,000 gets you half of what you need to contribute enough to your 401(k) plan to get the full company match, assuming a $34,000 salary and typical 50% match up to 6% of pay. By starting at age 22, that level of lunch savings in a 401(k) could grow at 7% a year to $640,828.71 at age 62–just because you bring your lunch to work.

[329 words]

【计时2】

On top of that, you’ll save time and may be able to finish work earlier or use your lunch hour to exercise, run personal errands or pay bills. But the real bonus is that you’ll be eating healthy and be in control of your calorie, fat, sugar and salt intake. Here are some sample lunch savings from Meighan’s book:
? Peanut butter, apple and granola wrap Cost to make: $1. Restaurant price: $4.50. Eat that just once a week and you will save $168 in a year. Your actual savings over a more typical restaurant meal of $10 would come to $450 a year. A similar savings all five days would come to $2,250 a year. Meanwhile, you are consuming just 473 calories (and a fraction of the fat) vs. nearly 700 calories with a cheeseburger and fries.
? Basil and tomato on wheat Cost to make: $1. Restaurant price: $5. Annual savings (eating once per week): $192. Annual savings over a $10 lunch: $450. Calories: 273.
? Chicken salad on wheat Cost to make: $3.50. Restaurant price: $7.50. Annual savings: $192. Annual savings over a typical $10 lunch: $450. Calories: 299.
Meighan’s book is full of such recipes and advice on how to get organized. You can also get started here. It will take a little work to change your habits, and the savings may not be as great if you have access to a company cafeteria. But if you are on a budget, brown bagging is an easy way save money—and your waistline.
[256 words]



CAREER STRATEGIES
Just How Underemployed Is Gen Y?
By Dan Schawbel | @danschawbel | August 29, 2012 | 17

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Gen Y is in a bind. This group of 18- to 29-year-olds has been told they must go to college in order to find a decent job. Yet upon graduating, few jobs are available to young people — and those that are open often don’t require a college degree.
Earlier this year, The Atlantic pointed to data indicating that 53% of recent college grads were either jobless or underemployed. Underemployment is of course better than unemployment, but many of the jobs new grads are taking don’t pay well enough to make much of a dent in student loan debt. The average college graduate owes roughly $25,000 in debt, and the total student loan debt is now greater than a trillion dollars.
Graduates are being forced in large numbers to take non-professional jobs until they can find ones tied to the career they’d been preparing for. A new study by my company, Millennial Branding, and the on-demand compensation data and software firm PayScale gives a good indication of how underemployed Gen Y truly is. We gathered information related to where Gen Y workers were most likely employed, what skills they were likely to have, where they aspire to work, what majors had the best (and worst) choice of jobs, and more.

[209 words]

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Here are the study’s major findings, which shed light on the state of today’s young workers:
They are graduating into poor-paying retail jobs. Our study found that over 63% of Gen Y workers have a bachelor’s degree, but the most commonly reported jobs for Gen Y don’t necessarily require a college degree. What’s ironic is that in order to compete for professional jobs in this economy, a B.A. is usually required, yet when everyone has one, it’s hard to stand out. The most common jobs for Gen Y workers include Merchandise Displayer, Clothing Sales Representative, and Cell Phone Sales Representative. You can bet that Gen Y would much rather have a professional job linked to their major than settle for a job at the mall that, in theory, a teenager could do.
They love working at technology companies. We found that the top-ranked companies for Gen Y are all tech companies that offer a high degree of job satisfaction, low job stress, high pay, flexibility, and meaningfulness of job. Qualcomm, Google and Medtronic were at the top of the list. Gen Y has not only demonstrated a propensity to use loads of technology as consumers, but young people today also like how tech companies treat their employees. Many of them offer telecommuting, they are fast paced, always innovating and allow them to work on meaningful projects that have an impact on society. High salaries don’t hurt either.

[237 words]

【计时5】

They prefer working at small companies over larger ones. Millennials bristle in work atmospheres that are rigid and bureaucratic, which is how many big companies operate. Gen Y tends to be attracted to smaller companies because the environment is more flexible, and they are more likely to be given additional responsibilities and feel like they are part of something in high-growth mode. The highest concentration of Gen Y workers are at small companies with less than 100 employees (47%), followed by medium companies that have between 100 and no more than 1,500 employees (30%), and the fewest work in large companies with more than 1,500 employees (23%).
They are social media savvy. To no surprise, Gen Y are masters of the social media universe. The most common Gen Y skills are focused on online marketing and social media, such as blogging, social media optimization and press releases. While most Gen Ys have profiles and are actively on social media, many don’t understand how to use the tools for business purposes. Despite this, they are very interested in working in social media for companies because they are passionate about the tools.
They are very entrepreneurial. Gen Y sees successful entrepreneurs, such as Mark Zuckerberg, and want to emulate their success. They see the best path to a successful career as starting a business that has a purpose. Relative to other generations, Gen Y is 1.82 times more likely to major in Entrepreneurial Studies, which was rarely ever offered as a major a few decades ago. More and more colleges are offering entrepreneurship classes in order to take advantage of Gen Y’s entrepreneurial ambitions.
For the time being, however, when many of these entrepreneurial young people graduate, they are more likely to be collecting a meager hourly wage from behind a cash register than they are to be starting businesses.
[308 words]


【越障】

The global economy
Summertime blues
The slowdown is spreading around the world
Sep 1st 2012 | from the print edition

[attachimg=290,430]105517[/attachimg]

NOT for the first time, the recent behaviour of financial markets has been at odds with economic fundamentals. The living has been easy on American and European stock exchanges this summer, despite plenty of gloomy data. Investors may have been placing too much faith in the capacity of central banks to counteract economic weakness.
The global economy expanded by just 2.8% in the year to the second quarter, according to The Economist’s measure of world GDP (see chart). That is the slowest rate since the end of 2009, when recovery from savage recession in the wake of the financial crisis was getting under way. The most perturbing aspect of the current slowdown is that the weakness is so widespread, affecting emerging economies as well as rich countries.

[attachimg=290,299]105516[/attachimg]

The most fragile economy in the rich world is that of the troubled euro area, where GDP shrank by 0.2% (an annualised decline of 0.7%) in the second quarter, leaving it 0.4% smaller than a year earlier. Beset by fears about a possible Greek exit and a bigger bail-out for Spain (which this week received a rescue request of its own, from Catalonia’s regional government), the euro zone is sliding ever deeper into the mire. A composite index of output in manufacturing and services from Markit, a research firm, based on purchasing-manager reports in July and August, is pointing to a further fall in GDP in the third quarter.
The big bright spot within the 17-country area has been Germany’s continuing strength. Its economy, which makes up over a quarter of the euro zone’s output, expanded by 0.3% in the second quarter, leaving it 1% bigger than a year earlier. But the German light is dimming, too. A business-climate survey conducted by Munich’s Ifo Institute for Economic Research found expectations for the next six months at their lowest since mid-2009.
The euro zone’s troubles are hurting other rich countries. Bolstered by reconstruction work following the catastrophic earthquake and tsunami of March 2011, the Japanese economy grew by 3.5% in the year to the second quarter. But the value of exports to the European Union fell by a startling 25% in the year to July. On August 28th the government highlighted the risk to recovery from a further slowdown in overseas economies.
America has been doing a lot better than Europe. In the second quarter its GDP grew at an annualised rate of 1.7%, according to revised figures published on August 29th. But the recovery has been slowing: growth is down from 2% in the first quarter and 4.1% in late 2011. Although there are signs that the housing market is at last coming up for air—home prices rose by 1.2% in the year to the second quarter—consumer confidence fell sharply in August.
Making matters worse, the slowdown is also affecting emerging economies. Among the four BRIC countries (Brazil, Russia, India and China), Brazil’s fall from grace has been particularly marked: its growth in early 2012 was anaemic. A wider slowdown in Latin America is under way as Chinese demand for commodities from the region slackens.
Flagging imports suggest that China’s slowdown will prove to be more severe than previously expected. The country’s exporters are also having a hard time. In August new export orders for manufacturers were at their weakest since March 2009, according to Markit. Chinese GDP grew by 7.6% in the year to the second quarter, its slowest rate since the financial crisis. Industrial production grew by only 9.2% in the year to July, well down on the 14% rate a year ago. The Shanghai stockmarket, which has plumbed a three-year low, reflects this sense of weakness.
In contrast, rich-country stockmarkets have been buoyant over the summer. During the past month American equity prices rose by 4%; European stockmarkets were even more sunkissed, gaining an impressive 6%. The rallies are now petering out, perhaps because investors are becoming more realistic about what central banks can truly deliver.
On August 31st Ben Bernanke, chairman of America’s Federal Reserve, was expected to offer some clues about the direction of the country’s monetary policy at an annual pow-wow for central bankers in Jackson Hole, Wyoming. Even if he were to hint at a third bout of quantitative easing, another round of QE seems likely to have less impact on American growth than the previous two.
This way to the hard landing
One central banker who won’t be in Jackson Hole is Mario Draghi, president of the European Central Bank (ECB). He cancelled his trip because of his workload ahead of a crucial meeting of the bank’s council on September 6th. Markets are eagerly awaiting what he has to say after that meeting. The single most important reason why they regained their vim over the summer was Mr Draghi’s pledge on July 26th that the ECB was “ready to do whatever it takes” to save the euro. Mr Draghi has laid out a framework for renewed purchases of government bonds, but a host of crucial details remain to be resolved. Even if he can present a proper plan in early September, which some doubt, investors may be disappointed at what emerges—not least because Jens Weidmann, head of the influential German Bundesbank, has stepped up his opposition to bond purchases.
The disappointing rich-world recovery following the financial crisis has shown that central banks cannot by themselves reboot debt-burdened economies. The endless euro saga has demonstrated that a lasting solution to debt crises requires bold political action. Financial markets forgot those lessons over the summer; they may soon have to relearn them.
[948 words]

Fighting小虾米

沙发~~
1'30
1'03
1'22
1'13
1'43

越障：
6'33
Global economy shrank.
Only Germany in Euro zone is better than the year ealier.
Euro zone's troubles are hurting other rich countires and developing contries.
America is better than before, but grow rate is down.
Chinese GDP slowly grew.
The central banks can not recover by themselves, and require bold political action.

问题：最后一句要relearn的是什么东西？

spencerX

谢谢团团一直以来的辛苦工作。

1’19
1’08
50’’
1’10
1’27

6’09
Point: Weak economy in the world
1. The economy in the world in gloomy
2. Situation is wealthy countries.
1) Europe: Biggest problem: the break-out of Greek and bail-out of Spain. The GDP is low.
Germen’s condition is better than other European countries; however, the growth rate of this country is lower than before.
2) Japan: Because of the natural disaster, the economy of Japan slackens.
3) USA: The situation of USA is better than other wealthy countries—GDP is growing. But it also suffers from some problems.
3. The weak economy has also affected emerging market.
1) BRIC: The growth in these four countries has been slowed down, especially Brazil-which has low export because of China’s low demand.
2) China: two things: low export/ lower growth rate (stock market can be the evidence)
4. Stock market of other countries.
5. J Hole. The president of ECB didn’t suffer from J hole.
6. Many people realize that the centre bank can do nothing more than what they do now. The most important factor to save the economy is the political action. A lot of people forget what they from before, but they will soon relearn that.

miffyhui

占
只能空着了！用word写的，还没来得急保存，电脑就自动关机了！居然没有自动保存，昏~

莽莽要上7

thanks for posting！
Speed：
2‘13
1’24
This article talks about that people can save their money by making lunch  themselves. A statistical report containing some figures is provided to support this point. The saved costs are in different amounts because of places people live. The fresh men should consider this way to save their money at the beginning of their careers.
1'25
1'19
1'03

Obstacle:
6'25
It talks about the weak economy in the world. The world economy expanded at a lowest rate. Then the article shows the poor economic situation in different countries, such as Europe, Japan, China; Compared with countries mentioned above, US has a raised GDP but still suffer some problems.

我心匪席

占位，lz辛苦了~

2’06

Dinning out for lunch will cost more, and people will take more junk food. Young people who just start careers should consider about taking lunch into work, saving more money.

1’51

Bring lunch to work, not only save money but also benefit one’s health. M’s book states some receipts info. about the money savings, the calories consumed.

1’35

Gen Y who went to college to get a decent job after graduation, however, why they graduated, to pay for the loan debt, they were usually underemployed.

1’38

Most Gen Y got a college degree, but the jobs offered to them did not require a college degree, such as sales in shopping mall. Gen Y would like to work in high-tech company, such as Google and Medtronic.

1’42

Gen Y prefer small company to larger ones, in small company, the environment is more flexible. And they focus on internet and social media. They get more interested in entrepreneurship.

越障忘计时了= =

Global economy slows down further.

Euro area suffers the most, where GDP shrank by 0.2%.

Germany is a bright light in 17-country area. Its economy index is still strong. But the expectation for the next 6 months is low.

Rich countries were affected by euro’s trouble. Japan’s import to European countries has decreased 25%. Although America is doing better than European countries, housing prices increase, consumer confidence fell.

BRIC is slow down too. The imports from Brazil, Latin America and China all decreased, for the demand shrank.

Chairman of AFR in America will offer Q3, but it will not get more benefits than previous two.

Markets waited for Central Bank’s plan, but it may not reboot economies in Europe.

风静静

最近做的都有点慢，不过都能差不多懂~·
2:24
the math calculation of the cost of eating outside
cost more and less nutrition

1:43
2:12
2:05
2:15
9:20
in this summer, the world's economy, no matter rich countries or emerging contries, has suffered a decline.

kathy0911

团团辛苦了！！！！

SPEED
2:21
1:21
1:17
1:25
1:51


Obstacle
6:36

铁板神猴

团团的工作正式交接给spencerX了，撒花~~ 泪送……

让我练练英语……

D. Tuan has handed the Thursday position honorably over to SpencerX, so, just clapping, applauding! and crying for and missing D. Tuan~~

rhesusmonkey

2'02''
1'29''
1'28''
1'22''
1'49''

6'22''