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[阅读小分队] 【Native Speaker 每日训练计划】No.2857 经管

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发表于 5 天前 | 显示全部楼层 |阅读模式
内容:Angela Li 编辑:Winona Wu
Wechat ID: NativeStudy  / Weibo: http://weibo.com/u/3476904471



Part I: Speaker

Work After COVID
Cardiff Garcia, Jul 2020

Source: NPR
https://www.npr.org/2020/07/28/896472621/work-after-covid
[Rephrase 1, 08:51]
Part II: Speed

5 Steps to Gaining Financial Freedom

Do not mistake being comfortable for financial freedom, says Grant Cardone.
GRANT CARDONE, JUL 29, 2020

[Time 2]
If you grew up like me, you’ve been instilled with false beliefs and bad advice about money. The middle class is an unforgiving place to be for aspiring millionaires. As a society, we have been raised to believe that a $70,000 salary, a house in the suburbs, a couple of cars, and two-week vacation is living comfortably. Your parents are right; this kind of life is comfortable, it’s normal. After all, it’s what hundreds of millions of utterly average Americans are doing, and they’re perfectly happy, right?

However comfortable an average life may be, it’s certainly not freedom.

Comfort is commonly mistaken for freedom. Where the majority of American’s go wrong is taking money advice from those stuck in the middle-class, financial comfort zone, rather than those who have built wealth. Having been raised with a middle-class mindset towards money and lifestyle, I understand how difficult it is to break free of the restrictive thoughts that keep people from their potential. Because I’ve done it, I also know, step-by-step, how to break out of average and become financially free.

1. Embrace sales as a way of life


Selling impacts every person on this planet. Someone’s ability or inability to sell, persuade and negotiate directly influences their position or status in life. There is a person in this world selling every millisecond of every day.

You need to sell yourself to get the job you want, you need to convince your boss why you should get the raise you think you deserve, you need to persuade the car salesman to give you a discount, you need to sell your crush on saying yes to dinner, and the list goes on.

There is no limit to what and how much you can sell, and what you get in return is the commission. How good or bad you are at sales determines the life you lead. When you embrace sales as a lifestyle and begin to develop your skills in the area of sales, an immediate shift will take place. You’ll begin getting more of what you want more often, setting yourself up for a future of freewill.
[355 words]

[Time 3]

2. Become an asset

You can’t get to where you’ve never been by doing the things you’ve always done. If you want to reach higher levels in life, you’ll need to think, train, and perform at higher levels. To enhance your thinking, invest in books with quality information from credible authors. To improve your training, you must invest in proven programs and workshops created by the people who have already built the wealth you want and are who you strive to become. To enhance your performance, invest in personal coaching from these people, allowing yourself a closer look into the mindset and actions of the ultra-successful, and adopting them into your daily practice.

Invest in yourself first and become your greatest asset. If the economy crashes and your bank balances go to zero, all you’ll have left is yourself. When self-development is done correctly and continuously, the only resource you’ll need to prosper is you.

3. Expand your network


You’ve probably heard this a million times before: “It’s not X, it’s who you know.” The people you know, and who know you, will have an effect on the quality of your life; even if that effect is no effect. Yes, your life is impacted when it’s not being impacted. Make a list of ten people in your network, and ask yourself: Do they invest in your ideas? Can they introduce you to people who can? Are they more successful than you? Do they add to your life?


Someone in your circle who is not adding to your life, but not necessarily subtracting, is still having an impact on the overall state of your life. Rather than investing your time and energy into people who can help you expand, it’s being spent on people who play an inactive role in bettering your life and theirs. Discover who you want in your inner circle and devise a plan to meet them. When you have the right people in your corner, anything is possible.
[331 words]

[Time 4]

4. Save to invest

If you were raised middle-class like me, you were most likely taught to save money for a rainy day, keep funds tucked away for emergencies, or to put your money away to buy a house, car, or two-week vacation in Hawaii.

The problem with this is that once you spend the money, it’s gone. The money that you saved to buy the house or car is worth less than it was the day after you spent it. The same way your house and car depreciates, your two-week vacation in Hawaii is an experience that will fade from memory over time. When it comes to savings, there is no light at the end of the tunnel; the tunnel just ends.

The lessons I learned and applied from rich people to become rich myself was to save money to invest in appreciating, income-producing assets. Money should always come back to you. Rather than saving for the sake of saving, save your money to put it into smart investments that pay consistent returns for the rest of your life.

5. Cash flow


When you’ve saved enough money to start investing, choosing where to put your money is the final step to your financially free future. Some put their money into the stock market, which in my opinion, is only a good option for two kinds of people: Those who have enough wealth to risk a lot of money, or those who have the time to constantly watch the market for fluctuations. Stocks are too volatile for my taste; too much chance, with very little monthly payout.

Good money can only be made in the stock market when one has enough of three things: Knowledge (could be in the form of a fiduciary), money, and luck. Lose access to even one of these three things, and your chances of losing money increase dramatically.
[313 words]

[Time 5]

Some invest in houses to flip or rent out. Renting single-family homes can produce positive cash flow but having a single tenant to depend on for payment is risky. If something happens to your tenant or in your tenant's life that affects their living situation, your unit immediately becomes vacant, and you don’t get paid unless you can quickly fill that vacancy. As long as the unit remains unoccupied, it depreciates.

I invest in multifamily apartment complexes. The reason I’ve chosen to put my money into apartments since I was 30 is because of their consistency in producing strong cash flow, month-after-month. Even if there are a handful of vacancies or tenants who are late on their payments, monthly income is still being generated from the remaining tenants.

The consistent cash flow that multifamily assets produce increases the value of these properties over time, priming them to be sold for much more than they were purchased for, or producing substantial lifelong income and generational wealth.

There’s enough wealth in the world for everyone, including you. Make the decision to become better every day than you were the day before, whether that means multiplying your income, being a better mother or father, or widening your social circle; always be improving.
[209 words]
Source: Entrepreneur
https://www.entrepreneur.com/article/352741


Boost morale with a virtual event
CRAIG BULOW, JUL 27, 2020

[Time 6]
For many organisations, the initial shock of lockdown and the challenges of operating with staff working from home, facilitating online meetings and keeping everyone connected will now seem rather old hat. But even if things are running relatively smoothly, one thing that we all struggle with when working remotely is that sense of social connection and bonding that comes with being in the same physical location as other people. As the old proverb - and Jack Nicholson - remind us, “all work and no play makes Jack a dull boy”.

Much as it would be great to lay on a summer party, away-day or team-building event, that isn’t likely to happen any time soon. With social distancing, people who are still self-isolating or cautious about going out too much, and parents who simply cannot ask someone else to have the children, in-person events aren’t really on the cards in the current circumstances.

But that doesn’t have to stop you giving your team an injection of fun. With a bit of imagination and ingenuity, it’s perfectly feasible to come up with virtual activities that can help boost wellbeing and morale. So to get you thinking, here are seven fun things you usually do in person that can also be done remotely.

Grown-up field trip


Most schools have a field trip in the summer, so why not your business? This relies on everyone using their phones, so make sure everyone has plenty of data and be prepared to pay for extra if necessary. Then set a date and time for the trip.

Your team can go to their local woods, nature trail, country park, river, park or beach. Keep everyone connected on their phones, coverage allowing, and they can go for a walk and share their experiences live. They can discuss and show what they see, the types of birds and plant life. They could even show a flower, shrub or tree to the team they haven’t seen before and see if anyone knows what it is.

As well as sharing how many fish have been caught by the anglers, the wildlife and the weather, they can talk about what the space means to them: did they grow up nearby, have a picnic with their other half when they were first dating, do they bring their kids or walk their dog here? A couple of hours where your team members can share their experiences can encourage better connections with nature - which is obviously beneficial for mental health - and work friends, but not talking about work.
[425 words]

[Time 7]

Remote workouts

While some gyms have opened for outside classes and others are putting in measures to reopen safely, this is another activity team members can get together to do remotely. Perhaps you could find an activity you think most of the group will enjoy, such as yoga, body balance or a HiiT workout and hire an appropriate instructor to take the team from the basics and progress them on, perhaps weekly, until they can all see an improvement.

Alternatively, if you have fitness bunnies on your staff maybe they can share their expertise, perhaps taking it in turns to share their tips on stretches, sit-ups, planks and so on. If a plan can be designed for those looking for that extra push to do exercise, this will be much easier when collectively engaged.
Zoom arts

If a gym workshop doesn’t appeal, what about a team dance? Many celebrities have made dance classes available online over lockdown, so why not take advantage of this to learn a routine to do together when you are finally reunited. The exercise will boost endorphins and could cause lots of laughter. Perhaps it could start a new hobby for some people. If you’re stuck for dance teachers, get in touch, we have some great teachers available who can bring their own music, routines and fun!

Comedy could also be a great team activity. Perhaps you could all vote on a classic comedy sketch, a live stand up performance or an episode of a series. Share it with the group and watch together or separately and then chat online to discuss the best bits.

Music is also a great way to destress and connect with others. Perhaps start a remote choir where you can all sing the same song together. It doesn’t matter if you’re not the next Taylor Swift or Shawn Mendes, singing also makes you feel good and relieves stress. Perhaps there are a few musicians in your company? A Zoom session to show and share their talents with others is another great way to build connections and talk about something other than work. Or just get each team member to share their all-time favourite track or the one song that always cheers them up. Whatever you choose, music is powerful.
[378 words]

[Time 8]

Remote wine tasting

If all that talk of activity is making you thirsty, why not try a remote wine tasting. Get the team to buy a bottle or two of the same wine and chat online about what they think of it. When that’s over, some small talk as you might have at an in-person event, is bound to lead to some giggles, especially if they “forget to spit the wine out”! And it means partners and housemates can also join in the fun.

We like this idea so much that Corporate Away Days has partnered with a well-established wine event organiser who can bring selections of wines to your door with optional extras like cheese to accompany. They even have a fun quiz to take part in alongside the tasting – and all of it can be done remotely with no need to get together in-person.
Zoom cooking

For those who are more into food than drink, online cooking can also be tremendous fun. Much like the dancing, there are plenty of celebrities offering excellent classes, information and recipes for you to try at home. Getting the team together on Zoom or Facetime to cook a chosen dish, bake a cake or create their own whilst judging the end result on presentation - knowing that they all taste delicious – creates a Master Chef show that has never been easier to win.

If you need some help or inspiration, we offer cooking classes with all the ingredients delivered to your door and a master cook from an award-winning cookery school taking you through each step on Zoom.
Gaming together

I’m sure a lot of parents will tell you that their tween- and teenagers have kept in touch playing games online. But gaming is not just for kids! In today’s world most homes will have a games console of some description, either in the back of a cupboard or in the loft, if not under the telly.
[325 words]

[The Rest]

Whether it’s the latest XBOX, Playstation or even more interactive Nintendo Wii, now is the perfect time to dust off that console and select some games or sports to offer up some healthy competition within your team. The latest models allow people to play interactively with each other. Is it F1, Tennis, Football, Minecraft, Chess, Scrabble? The list goes on, and a league leader board can even be set up to motivate those joining in the fun.
Golf and cycling

Of course, not all activities have to be remote. As the lockdown restrictions continue to be eased, there are options for us to get together in twos and later in smaller groups. Now is a great time to build teams that logistically can meet with bikes or a set of clubs and enjoy timeless banter and exercise either on the golf course or checking out cycle routes close to homes. As long as social distancing is maintained, this is a great way to improve skills and fitness levels until bigger teams can enjoy an organised company away day.

Not all these options will be right for every team or every team member. If one of them isn’t sporty or doesn’t drink, for example, try encouraging them to join in a way that is comfortable for them. However, there is little point forcing them if they really don’t want to. Try to mix and match your activities and ask your team for their feedback.

Whatever activities you choose to undertake, I’m confident it can only be a good thing for you as individuals, a team and a business.
[267 words]
Source: Management.Issues
https://www.management-issues.com/opinion/7410/boost-morale-with-a-virtual-event/

Part III: Obstacle


Reimagining Capitalism in the Shadow of the Pandemic
REBECCA M. HENDERSON, JUL 28, 2020

[Paraphrase 9]
A friend asked me recently if we would ever “get back to normal.” It’s a question we’re all asking ourselves. Suddenly things we once took completely for granted — having dinner in a busy restaurant, being able to give a friend a hug — seem like distant luxuries.

I, for one, hope I’ll be able to do both of these things soon. But otherwise, I hope we never, ever go back. Six months ago, it was “normal” for the richest 1% to own more than 40% of U.S. wealth — and for the richest 5% to take home nearly a third of all the income, while 40% of Americans would need to borrow, sell something, or not be able pay a $400 expense. Six months ago it was “normal” for nearly a quarter of the U.S. civilian workforce to be unable to take a day of paid sick leave and for us to feel comfortable tolerating the systemic oppression and exclusion of Black Americans. Six months ago, the fact that we were moving far too slowly to decarbonize the world’s economy, opening ourselves up to potentially catastrophic climate change, was more or less okay. I don’t want to go back to a world where the political system is flooded with money, where 70% percent of the population believes that the system only works for insiders, and where interest groups control the policy agenda.

Instead, I want to reimagine capitalism, or at least our current version — the one that is obsessed with the short term and that doesn’t believe that business needs to care about the health of our society or our institutions. Doing so is the best way to ensure both businesses and our society prosper in the decades ahead.
The Pandemic’s Challenges — and Opportunities

Capitalism is one of the great inventions of the human race — an unparalleled source of prosperity, opportunity and innovation. We won’t solve the problems that we face without it. To solve inequality, we need good jobs — and lots of them. To solve climate change, we need (among other things) to transform the world’s energy, transportation, and agricultural systems. Only the relentless pressure of the free market can drive this kind of transformative innovation at scale.

In this context, the pandemic is both a massive challenge and an opportunity. A challenge because more than a half a million people have died, the global economy has been massively disrupted, and tens of millions of people have lost their jobs. A challenge because the combination of deep economic disadvantage — at the beginning of May nearly 61% percent of Hispanic and 44% of Black households had experienced a job or wage loss due to the corona virus, for example, compared with 38% percent of whites — and the killings of George Floyd, Ahmaud Arbery, Breona Taylor and countless others have brought anger and calls for justice to our streets. The world will almost certainly be poorer, more divided, and more fearful in 2021 than it was in 2019.

It’s an opportunity because it has also shown us so vividly what is wrong. Inequality is no longer simply an abstract idea. It’s a reality that many “essential” workers must show up even when they’re sick because they have no savings and no paid leave. That racism is not something that was solved by the civil rights movement. As the skies clear and early research suggests that the reduction in fossil fuel pollution is saving lives, the costs of continuing to rely on dirty energy have become much more tangible. Watching states bid against each other for vital medical equipment while the federal government fumbles its response to the virus has made the reality of our broken politics very clear.

The pandemic has reminded us that we stand and fall as a society and that the welfare of the poorest among us is integral to everyone’s welfare. It has shown us that planning for the future is essential and that, when the chips are down, a capable, responsive government is a necessity, not a dirty word. We’ve learned that when we must do something, we can: Fundamental change no longer seems impossibly out of the reach.

We can do better. We already have the resources and the knowledge we need to build a more equitable, sustainable capitalism. But to get there, business will have to change how it understands its role in the world (and in the U.S. in particular) — and how it thinks about government.
A New Path Forward

While free markets are an unparalleled source of prosperity and freedom, the free market can only take us where we need to go if externalities such as carbon pollution are properly priced, if there is genuine freedom of opportunity, and if the rules of the game are such that competition is free and fair. Markets do not police themselves; they must be balanced by transparent, capable, democratically accountable governments.

Today — in large part due to the rise of shareholder primacy, the increasing role of money in politics, and the systematic attack on government as a necessary or effective institution — that balance is largely absent. As a result, one of the fastest routes to profitability is often to persuade politicians to write the rules in your favor. Firms feel free to dump greenhouse gases into the atmosphere, for example, while spending hundreds of millions of dollars to lobby against carbon regulation. We’re even seeing this dynamic in the U.S. government’s response to the pandemic: It’s increasingly clear that an uncomfortably large share of the benefits from the recent stimulus has gone to very large firms and to very wealthy individuals.

I’m not suggesting that firms neglect their duty to their shareholders. Focusing on profitability is essential if a company is to thrive in today’s brutally competitive market. But profit maximization has always been a means to an end, justified by the idea that when markets are genuinely free and fair, there’s good reason to believe they lead to both prosperity and freedom.

But when markets are no longer held in check by governments that can police the rules of the game, appropriately control externalities, or provide the public goods necessary to support real opportunity, they become too powerful for their own good. The chaotic and uneven pandemic response we are experiencing today flows directly from 30 years of treating government as something that should be “drowned in the bathtub.”

Now more than ever, I believe firms have not just a moral duty to contribute to the health of the institutions that keep our society strong and our capitalism genuinely free and genuinely fair, but also an economic interest in doing so. We need to rebuild our democracy, strengthen our public conversation so that it’s firmly based on facts and mutual respect, commit with everything we have to building an inclusive society for everyone, and yes, find ways to rediscover the importance of democratically accountable, capable, responsive government.

Why? We cannot decarbonize the world’s energy supply without government regulating fossil fuel emissions and providing positive incentives to embrace low carbon solutions. Yes, individual firms can provide better jobs — paying employees a decent wage and providing ongoing training, among other necessary steps — but we’ll only successfully address inequality and racism at scale through structural reform, if we can do things like: provide quality education and health care to everyone, no matter their parents’ income; raise the minimum wage; and find ways to give employees more power as they negotiate with increasingly powerful firms. Most fundamentally, we’ll only rebuild trust in the political system, and with it a government that is genuinely responsive to ordinary people, if we can get money out of politics and stop tolerating business’s attacks on government. These attacks are often framed in terms of defending the free market, but too often are simply attempts to block the action we need to build a more equitable society.

Collective action — a sustained effort by coalitions of firms — could make a huge difference in helping to drive this kind of institutional change. Firms are already working together to solve some of the world’s toughest problems. A third of the world’s invested capital is already committed to insisting that the firms in their portfolios plan for the challenge of climate change. Businesses across the world are increasingly coming to realize that democratically accountable, freely elected, capable governments are critical to long term economic health — and are willing to say so in public. But they need to do more.
[1410 words]
Source: Harvard Business Review
https://hbr.org/2020/07/reimagining-capitalism-in-the-shadow-of-the-pandemic





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发表于 5 天前 发自手机 Web 版 | 显示全部楼层
OB:13' 48
发表于 4 天前 发自 iPhone | 显示全部楼层
OB:12’11[1410W]
发表于 4 天前 | 显示全部楼层
Speak
Effective technology to help people work remotely.
Longer lasting underappreciated work not got enough attention.
Label market report shows 4 consequences:
1. More tele presidency (bring robot to do human’s work)
2. Urban desertification (got premium run away)
3. Small business struggling
4. Automation will be applied more and more
Market will be adjust to the situation, but the adjustment take times.

Time2 [355 words] 2:25
Comfort is not freedom. How make the middle class get out of the comfort zone?
1. Selling themselves
Selling themselves with strong purpose and confidence to convince the new boss to get a new updated job

Time3 [331 words] 1:52
2. trade yourself as an asset.
If you want to level your life, you must be prepared for that. Take some actions like training yourself, gain advanced education, reading quality books etc.
3. expand your network
Its not X, it is who you know.
Identify the key person who may help you make expand your network, have more impact on others. When you have the right people on the corner, anything is possible.

Time4 [313 words] 2:08
4. save to invest.
Don’t save money and spend for vacation, car. Invest on something witch will bring you continuous income.

5. cash flow
Stock market is good for two types of people, one is rich so they don’t worry about the loss of money. Another one type is you must have enough time to watch the market and follow the trend. The stock market is very risky and volatile.

Time5 [209 words] 1:30

Part III: Obstacle [1410 words] 10:33
发表于 4 天前 | 显示全部楼层
has this ripple effect
that's kind of a double whammy for these workers.
ladder up to the middle-skilled work
the federal government fumbles its response to the virus has made the reality of our broken politics very clear.
发表于 3 天前 | 显示全部楼层
urban,density,crowded,wealthier, who left, slowed to come back, struggling before the pandemic, escalator, problematic, crucial, get premium, demaged, small business closed, capital, keep going, big company, than small business pay, survived, labor market, automating, environment too dangerous, adjust, stimulus, speed that adjustment,

5 steps to gaining financial freedom
[Time2]1’39
[Time3]1’24
[Time4]2’10
[Time5]0’55
The author argues that comfort doesn’t mean freedom and if you want to become financially free, you need to break your obsolete mindsets. And here are several suggestions provides by the author. First, embrace sales as a way of life. Selling everything you want to the one you want such as selling yourself to get the job you want and you will find the charm of the selling, which will immediately pay you return. Then he lists several other tips including saving to invest and expanding your network. I believe gaining financial freedom is the aim of majority people who are struggle for their life.

Depreciate: to (cause sth to) lose value, especially over time
If you grew up like me, you’ve been instilled with false beliefs and bad advice about money
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T2:2'11''
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Money should always come back to you. Rather than saving for the sake of saving, save your money to put it into smart investments that pay consistent returns for the rest of your life.
T4:1'51''
T5:1'11''
T6:1'20''
T7&the rest:1'44''
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T2 2'16''
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