祝賀你們，即將畢業(yè)的學(xué)子！你們即將踏入社會(huì)，開始多姿多彩的生活。但是且慢，在開始新生活之前，請(qǐng)仔細(xì)考慮我給你們的建議，這些將幫助你們生活的更好。

    Congratulations, college class of 2008! You've earned your diplomas. Now it's time to get smart about the real world.

    Current projections say the job outlook for the class of 2008 isn't bad but it's not great either -- there is an increase in hiring compared to last year, but it's half of what was projected in the fall, and salary growth is mixed as well.

    The bad news: Research shows graduating into a recession has the potential to negatively affect your earnings in the long term.

    The good news: Surviving and thriving in an economic downturn boils down to managing your expectations and your finances wisely, which is a lesson with a lifetime's worth of value. Here are some areas to concentrate on.

    Find Housing You Can Really Afford

    租能負(fù)擔(dān)得起的房子

    The "New York Times" did a piece recently on finding your first New York City apartment.

    One of the men they profiled is a consultant who chooses to pay more than half of his after-tax income for an apartment in Manhattan. Despite the fact that his income (combined with a roommate's) satisfies the landlord, he is not showing good financial sense. You shouldn't spend more than 30 percent of your income on rent. If you need to split the rent eight ways, then do it. When you're young, living with lots of roommates can be a rite of passage, not to mention a fun way to get to know people and have a home base in a big city. 

    年輕時(shí)和許多室友一起住是一個(gè)成長(zhǎng)經(jīng)歷，而且這也是結(jié)識(shí)新伙伴、在大城市里有一個(gè)居住地的好辦法。

    Or try starting out in a not-so-big city. The most affordable rents, not surprisingly, are in states such as Kansas, Oklahoma, and Kentucky.

    不管在哪里，房租都是最好不要超過月收入的三分之一，否則的你的生活質(zhì)量會(huì)大打折扣、甚至可能出現(xiàn)財(cái)務(wù)危機(jī)。

    Take Care of Your Health

    照顧好自己

    Young people are the largest and fastest-growing group in the country without health insurance. That must be why I've been invited to several benefit parties for twenty- and thirty somethings who have unexpected medical expenses that they can't afford to pay for.

    Doctor's bills are bad for your wealth as well as your health -- they're a leading cause of bankruptcy and credit card debt.

    So if you don't have health insurance through your job -- or if you're still looking for a job -- here are a few options:

    如果你的工作不提供醫(yī)保，或者你還在找工作，以下是一些選擇：

    - In 30 states, you may be eligible for coverage under your parents' plan as part of a family rate, up to your mid 20s (in New Jersey, the limit is age 30). Find out more here.

    - You may also be eligible for low-cost coverage under a state or local plan for low-income adults, such as Healthy New York or Healthy San Francisco. Check your state's insurance department for details.

    - Consider a so-called catastrophic or major medical plan; these have the lowest monthly premiums and high deductibles, but they will pay off if the worst occurs.

    上述的三種情況在中國(guó)都不現(xiàn)實(shí)。如果你的工作沒有醫(yī)療保險(xiǎn)的話，你可以嘗試買一些費(fèi)用低的商業(yè)保險(xiǎn)，也會(huì)起到一定的作用。