职场新概念英语（48）

【#新概念英语# #职场新概念英语（48）#】《新概念英语》是1997年由外语教学与研究出版社和培生教育出版中国有限公司联合出版的一套英语教材。作为一套世界闻名的英语教程，以其全新的教学理念，有趣的课文内容和全面的技能训练，深受广大英语学习者的欢迎和喜爱。进入中国以后，《新概念英语》历经数次重印，以大限度地满足不同层次、不同类型英语学习者的需求。©为您整理了以下内容，仅供参考。希望可以帮助到您！如果您想要了解更多相关内容，欢迎关注©！

【篇一】毕马威有关调查发现 中国CEO欢迎技术*

More than 90% of CEOs in China are confident about the growth outlook of their companies, a higher percentage than their global counterparts, a survey from KPMG showed last Tuesday.

KPMG's survey, which gathered responses from 1,261 CEOs worldwide, including 125 from China, revealed that over the next three years, two-thirds of China CEOs are predicting growth of 2% or more, while over the next year, 97% plan to increase their headcount, both ahead of their global peers.

"Focusing on innovation - including new products or services and ways of doing business" - was selected by most Chinese CEOs (64%) as a high-priority growth initiative over the next three years.

Other top growth initiatives are "increasing penetration in existing markets" (62%) and "penetrating new verticals" (47%), according to the survey.

Rather than focusing on mergers and/or acquisitions, China CEOs are planning to deliver on these growth initiatives by scaling up their own business operations and processes (60 percent), entering into collaborative partnerships/joint ventures (39 percent) and undertaking large-scale business model transformations (35 percent).

Compared with last year, more China CEOs (65 percent in 2017 vs 52 percent in 2016) expect their companies to be transformed into a significantly different entity over the next three years, driven by adopting new technologies; new business and operating models; and adopting new processes.

【篇二】译文

毕马威上周二发布的一项调查显示，中国逾90%的首席执行官(CEO)对自己企业的增长前景抱有信心，这一比例高于其全球同行。

毕马威的这项调查收集了全球1261名CEO的回复，其中包括125名中国CEO。调查显示，2/3的中国CEO预计未来3年企业增长将达到2%或以上；97%的中国CEO计划在下一年增加雇员数量，这两个比例均高于全球同行。

根据调查，大多数中国CEO(64%)选择把"专注于创新，包括新产品/服务及经营方式"，作为未来3年的高优先级的增长计划。

其他主要的增长计划还有"增加对现有市场的渗透"(62%)和"进入新的领域"(47%)。

相比起关注兼并与收购，中国CEO们正在计划通过扩张自身业务运作和流程（60%）、建立协作的合作伙伴关系/合资企业（39%）和进行大规模商业模式转型（35%）来实施这些增长计划。

与去年相比，受到采用新技术、新的商业和经营模式以及新流程的推动，更多的中国CEO（2017年65%，2016年52%）预期其企业在未来三年会实现显著转型。

【篇三】美国的职场新人如何支配自己的收入

instein once said that the most powerful force in the universe was compound interest.

No one is in a better position to harness this force than those who have just started earning a regular salary. But popular wisdom tells you that it is just this demographic that has a tough time saving. Salaries are typically lower.

Here’s how that paycheck gets divvied up across the nation.

1. Housing (31.9%)

Among households in this age group, 61% are renting.

The average rent/mortgage check is $894 per month（60% of the total cost on housing）. Obviously, this figure will vary widely based on location.

The rest of the balance of housing money is devoted to utilities, household supplies, furniture, and appliances.

2. Transportation (16.3%)

This includes monthly payments for the purchase of new/used cars, which runs roughly $296 per month.

Last year, an average of $204 per month was spent on gasoline.

The rest is used on maintenance, insurance, and “other vehicle expenses.”

3. Healthcare (4.9%)

Here’s where it really pays to be young.

Healthcare spending is one of the only categories that consistently inches upward throughout life.

Of this total, 70% is used to cover insurance premiums, which likely means that employers are chipping in a significant percentage of the total cost of coverage.

4. Food (12.1%)

Typically, 45% is spent on eating out.

Meats, fish, eggs, fruits, and vegetables make up over 40% of the money that is spent monthly for food at home.

5. Entertainment (4.4%)

When you think about it, it’s a pretty good deal when you’re able to spend as much on entertainment as you do on healthcare.

I should note that these figures include the costs of pets, TVs, hobbies, and any type of event you might attend.

6. Pensions and Social Security (9.8%)

As you’ll see at the end, though, even with reduced benefits in the future, Social Security can play a key role in your retirement.

7. Education (2%)

Many will argue that this number should be higher. After all, the graduation is only a beginning. Your career just started and there's a lot of skills to acquire if you wanna get promoted and paid better.

8. Other (9.3%)

This covers a lot of different categories: clothes, alcohol, personal care products, cigarettes, donations, and even alimony payments. Lump all of them together and this is what you get.

That leaves the average household of 2 people with $423 per month.

This may sound like a lot or a little, depending on your point of view. But let’s put it in perspective. This is equivalent to saving $5,076 per year.

If we assume that a couple, aged 30, is able to put away this much every month until they retired at age 67, adjusted for inflation, and assuming a return of 9% (just below the stock market’s historical average), they would have an equivalent of $484,000 in their nest egg come retirement time.

Obviously, not everyone who reads this will represent the “average” household for this age group. There’s tons of variability.

If nothing else, a key takeaway should be that if you want to super-charge your savings, focus on the Big Three of housing, transportation, and food to leverage your efforts.

【篇四】译文

爱因斯坦曾经说过：宇宙中强大的力量就是复利。

而那些刚刚开始拿薪水的人，就是能从这股力量中获利的人了。但是，众所周知，这恰好就是那群不擅长存钱的人。而且他们的工资通常也不算高。

以下是一个普通美国人对自己收入的支配情况：

住房——占总收入的31.9%

在这个年龄的人当中，61%的人是租房住的。

他们平均每月的租金或房贷是894美元（占住房总花销的60%）。不过显然，这个数字随着地区不同而不同。

而住房花销中剩下的那部分，用在了水电燃气、日用品、家具和各种小物件上面。

交通——占总收入的16.3%

这包括买车的钱以及车贷平均到每月的花销，大概是296美元。（这对于中国的毕业生来讲不太一样，毕竟在中国还是以公共交通为主）

去年，在汽油上的平均花销是204美元。

其他的部分花在了维护费用、保险以及其他交通花销上。

健康——占总收入的4.9%

这就是年轻真正的好处。（健康方面可以少花钱）

健康是一个随着年龄增长而花销变大的门类。

而这里面的70%是花在了健康保险上面，所以基本上可以说是用人单位覆盖了里面的大部分。（在中国的普遍情况就是公司交掉一半）

饮食——占总收入的12.1%

一般来讲，这其中的45%是花在了外出就餐上面。

而在家吃的那一部分花销里，肉、鱼、鸡蛋、水果、蔬菜等食材占据了40%。（剩下的可能是零食吧）

娱乐——占总收入的4.4%

仔细想一下的话，娱乐的花销可以和健康花销等量，还是一件挺划算的事。

我要指出，这部分花销包括了宠物、电视、兴趣爱好以及其他一切你可能参与的活动。

社保、养老金——占总收入的9.8%

你们终会明白的，虽然这些东西以后的价值会变低，但社保在你退休之后还是举足轻重的。（在中国，这部分一般是公司在发薪前就代缴了，而公司负担其中大部分）

教育——占总收入的2%

很多人都觉得这一部分应该更高一些。毕竟，毕业只是一个新阶段的开始。你的职业生涯才刚刚起步，如果你想升职加薪的话，还有不少技能要学。

其他——占总收入的9.3%

这一部分包含很多门类：服装、酒、个人护理产品、烟、慈善捐赠甚至赡养费。把它们全部加起来就是你能自由支配的那一部分了。（能存下来的大值）

这对于一般的家庭（两口人）来说，就是每月423美元（约合人民币2800元）

这在你看来可能算多，也可能算少。不过且让我们用不偏不倚的视角来看看，这相当于每年5076美元（约合人民币34000元）。

如果我们假设，一对30岁的夫 妻，每月能存下这么多钱，一直存到67岁退休，然后假设他们的投资回报率是9%（刚好低于股票市场历史回报率的平均值），再算上通货膨胀，那他们在退休的时候就会有一笔484,000美元的财富（约合人民币326万元）。

不过显然，并不是所有读这篇文章的人都恰好是这个年龄段中的平均水平，变量是非常多的。

但抛开一切不谈，重要的一点建议是：如果你想让你的积蓄发挥大的价值，你应该着重在住房、交通、饮食这三个大头上面精打细算。

（新东方在线 - 新概念英语课程体验）