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1、.:.;雙語:多條妙招讓他不再負(fù)債 - : that is not a step-by-step guide to reducing debt. Rather, it is a collection of a lot of the wisdom I have read so far on that topic and a list of some of the things that worked for us.這并不是一個(gè)一步一步教他減少負(fù)債的指南方法,相反這是一個(gè)智慧的結(jié)晶,一個(gè)到目前為止我讀過的一切關(guān)于這個(gè)話題的總結(jié)和一個(gè)對(duì)他們有協(xié)助 的建議單。As you go through the
2、 list, I would recommend sorting it out into things that will definitely work for you and things that could possibly work for you. Start implementing the things that will work for you right away and start working on incorporating the others when possible. Believe me, soon it will become an obsession
3、 (if it already isnt!) and slowly but surely you will be free of debt. And that feeling is worth any short-term pain you have to go through.當(dāng)他要閱讀這份單子的時(shí)候,我建議他最好整理出哪些對(duì)他絕對(duì)有協(xié)助 和哪些對(duì)他能夠有協(xié)助 。然后開場(chǎng)實(shí)施對(duì)他立刻起作用的那些任務(wù),同時(shí)有能夠的話最好也做一些對(duì)其它有協(xié)助 的事。請(qǐng)置信我,很快他就會(huì)上癮(假設(shè)如今還沒有的話)并且漸漸地他會(huì)確信他曾經(jīng)成為無債的人。這種覺得是值得他為之接受一切短暫的苦楚的。Stop adding
4、 more debt: No kidding right? Well, if its so simple why arent you doing it? Think of your debt as a small hill of dirt in your back yard. To get rid of that dirt hill, you need to dig out a shovel at a time. Now imagine for every - shovels of dirt that you dig out, you toss shovels back on. How lon
5、g will it take to get rid of that little hill? Piling on more debt while you are trying to get out of it doesnt make much sense either.不要再添加他的債務(wù)了:這不是在開玩笑吧,假設(shè)這么簡(jiǎn)單的話他為什么不去做啊?想想他所欠的債就像他家后院堆積如山的渣滓。要想除去這座污山,他需求一次性挖走一大鏟。試想一下,他每次從渣滓中挖走-大鏟,然后他再拉回家大鏟的渣滓。這樣下去他何年馬月才干去除掉這座小山?像他那種在還債的同時(shí)又欠下債的作法也同樣一點(diǎn)也不明智。Get rid o
6、f your credit cards: One of the biggest down falls that most of us have is the reliance on credit cards. Unlike spending real cash, when you charge it to a card you dont feel the burn. So if you cannot control how much you spend on your card, then cut up your cards, leave them locked up at home, fre
7、eze them or bury them until you are out of debt. (Note: Dont close the accounts since that can result in reducing your credit score!)杜絕用信譽(yù)卡:對(duì)于大多數(shù)的他們來說,最大的敗點(diǎn)就是他們太依賴信譽(yù)卡了。不像花現(xiàn)鈔,當(dāng)他刷卡時(shí)他不會(huì)覺得象是在割肉。因此,假設(shè)他不能控制刷他的卡,他就要禁用他的信譽(yù)卡,將它們鎖在家里,不論是冷凍還是火燒,直到他還清了他的債。(留意:不要關(guān)掉他的賬戶,由于這樣會(huì)減少他的信譽(yù)積分!)When I was in college, I wen
8、t a little wild with student credit cards. I learned the hard way that I needed some control, so I froze the cards in a large pan of water. If I wanted or needed something badly enough to wait for the cards to thaw out, then it was probably worth purchasing. If not, I saved the dough. My mom still l
9、aughs about that, but I saved thousands in forgone impulse purchases. - Kelly Colucci, Cumming, Ga. - quote source: Kiplinger當(dāng)我讀大學(xué)時(shí),我用學(xué)生卡有一點(diǎn)瘋狂。我知道要采取些強(qiáng)硬的手段才干控制住,因此我將卡放在一大缸水中。假設(shè)我需求某樣?xùn)|西急得我恨不得我的卡馬上干掉,那么我要買的東西就是值得買的。假設(shè)不是這樣子的話,我就省下了錢。我媽媽經(jīng)常笑我,但我確實(shí)省掉了因激動(dòng)而能夠用掉的錢。-Kelly Colucci, Cumming, Ga. 來源:KiplingerChan
10、ge your attitude: Like everything else in life, getting out of debt is heavily dependent on your attitude. Switch to a “Can Do attitude. Stop giving into the victim mentality or self-doubts of whether you can do it. Start attacking debt and dont stop until its all gone.改動(dòng)一下他的態(tài)度:像生活中其它的事情一樣,他要不再負(fù)債也大大
11、地由他的態(tài)度決議。將他的心態(tài)調(diào)到“我一定行上。不要再從思想上成為債奴或是本人疑心本人能否做到。相反,他要向債款進(jìn)展反攻,直到他沒了債款為止。Stay busy: An idle mind is a devils work shop and a retailers dream. If you go to the mall just because you are bored, you are bound to end up buying stuff you likely dont need. If you laze in front of the TV doing nothing, then t
12、he advertisers are bound to instill a yearning for something that you wouldnt have wanted otherwise. Throwing away money to keep yourself entertained when you could be using that time a lot more productively just wont cut it if you are serious about getting out of debt.將本人適度堅(jiān)持在忙碌形狀上:悠閑的頭腦形狀可以說是惡魔的天下
13、和賣家的夢(mèng)想。假設(shè)他僅僅由于無聊了就去購物中心,那他注定會(huì)買一些他不需求的東西。假設(shè)他懶散地在電視機(jī)面前無事可做,那些廣告商們又注定會(huì)一點(diǎn)點(diǎn)地發(fā)掘出他的本來根本不想買的愿望。在他本運(yùn)用這些大好光陰做一些事的時(shí)候,他卻揮霍著錢來讓本人享用,這根本無法使他減少他的負(fù)債,假設(shè)他正嚴(yán)肅地思索著如何不再負(fù)債的問題的話。Change your spending habits: Do you always plan before you buy something or do you just pick things up? Do you ask yourself if you really “need i
14、t, or justify your “wants and keep indulging yourself? Do you spend an excessive amount of money on showing off to your friends? Take a long hard look at your spending habits and fix any short comings that you see.改動(dòng)他的消費(fèi)的習(xí)慣:他在買東西之前總是有方案的呢,還是他只是隨意挑一東西呢?他有沒有問過本人是不是真的需求它或者是將本人的需求“有理化并不斷讓本人沉浸于這種快感中呢?他會(huì)不
15、會(huì)為了向朋友夸耀而多花了錢呢?好好地抽個(gè)時(shí)間想想本人的消費(fèi)習(xí)慣,并找出他以為的不好之處。Cut your spending: Can you still save some money after all of your bills are paid? For instance when you look at your groceries, can you replace some brands with generics so you can save some cash? Can you stock up during sales to save some money? How abou
16、t making sure you use your utilities wisely to save on water, electricity and gas bill? Look at all aspects of your spending to pinch some more money out that you can throw at debt.減少他的開支:在他的賬單都付完了之后,他還會(huì)繼續(xù)省錢嗎?舉個(gè)例子,看看他的東西,他會(huì)不會(huì)用沒什么品牌的東西替代一些品牌貨來省錢呢?他會(huì)不會(huì)在大甩賣的時(shí)候,多買一些存在家里來省錢呢?他有沒有明智地運(yùn)用他的電器來省水費(fèi),電費(fèi)和煤氣費(fèi)呢?看看這
17、些消費(fèi),盡能夠地?cái)D出更多的錢將它們從他的債款中踢除。Embrace a simple, frugal lifestyle: We are in a land of excess. We believe that we need a lot of things to survive. But in reality we can get on by with very little. The more of the excesses you can trim out the sooner you will be out of debt. Yes, life will seem a bit drab
18、 without some of the indulgences you are used to. Its your call which one you like more temporary indulgences and sleepless nights worrying over debt, or a few sacrifices now to be free of debt issues for the rest of your life!營造一個(gè)簡(jiǎn)單而又節(jié)省的生活方式:他們生活在一個(gè)隨時(shí)會(huì)超支的世界。他們置信他們需求許多東西來存活。但是在現(xiàn)實(shí)中他們只需求少許必需品就能生活下去。他減
19、少額外的開支越多,他就越快脫離他的負(fù)債。確實(shí),沒有了他以往的享用,生活似乎毫無活力。在這兒由他選擇他更傾向于哪一個(gè)-短暫的享用但由于負(fù)債而失眠的夜晚,或少許的犧牲但悄然松松無任何牽掛地度過剩下的生活。Always lookout to improve your current income: The more the money you make, the more you will have left over to throw at your debt. So always look for opportunities for picking up tasks with higher co
20、mmission, or over time pay or something that will result in a bonus. Take your job seriously and work hard everyday, at some point it will pay off for you.經(jīng)常留意改良他現(xiàn)有的收入:他掙得錢越多,就越能歸還他的負(fù)債。因此,經(jīng)常尋覓有更多傭金,有加工費(fèi)或有獎(jiǎng)金的任務(wù)的時(shí)機(jī)。仔細(xì)做他的任務(wù)并踏實(shí)任務(wù)每一天,從某一點(diǎn)來看,他是會(huì)有報(bào)答的。Create additional sources of income: Sometimes it is not
21、 easy to simply increase your current income at your day job. If thats the case, look at means to create additional sources of income. Do you have a hobby that you can monetize? Do you have skills (musician, carpenter, writer, etc.) that you can use to get some part time gigs? Do you have computer k
22、nowledge that you can use online? Creating additional sources of income not only helps you get out of debt but provides you with better cushion to survive through primary job loss.給本人發(fā)明額外收入來源:有的時(shí)候,他要想簡(jiǎn)簡(jiǎn)單單地在任務(wù)上添加現(xiàn)有的收入,那是不容易的。但假設(shè)他想要的話,他可以找一些方法來添加他的額外收入。他有沒有什么專長(zhǎng)對(duì)他的賺錢有用呢?他有沒有什么技藝(音樂家,木匠,作家等)能幫他賺一些兼職費(fèi)?或他
23、有沒有什么電腦技術(shù)能在上網(wǎng)時(shí)用?制造他額外收入的來源不僅幫他走出負(fù)債,還能為他提供一個(gè)更好的緩沖物可以抵消一點(diǎn)他現(xiàn)有的任務(wù)損失。Build an emergency fund: As you attack your debt, remember to put away a small amount for the rainy day. If something unexpected comes along or if you are forced to borrow money again, you will have a rough time getting out of debt. So
24、stash away small amounts of money in an emergency fund, and make sure you use it well, only for emergencies!預(yù)備一個(gè)急救資金:當(dāng)他著手于他的負(fù)債時(shí),記住要先挪出少許錢以備有需求的時(shí)候用。假設(shè)預(yù)料之外的事發(fā)生了,或是他不得不再借一些錢,那么他還債的路程就更艱苦了。因此,儲(chǔ)存一部分錢當(dāng)作急救資金,并保證他能很好地用這部分錢,而且只能在急用的時(shí)候用!Avoid paying fees when possible: Get organized. Make sure you are paying
25、your bills on time. There is no point in paying fees in addition to interest! Also, look out for other options where you can save on fees for instance, going into a bank to withdraw money may seem like a hassle, but is it really worth spending $ in ATM fees every time you withdraw money? Booking you
26、r movie tickets online may seem convenient, but is it really worth paying an extra dollar for the ticket?盡能夠地防止花多余的錢:要有條理地組織好。確保他每次按時(shí)付賬單。對(duì)于另付利息是毫無意義可言的,同時(shí)再做些其它的選擇,這樣他可以減少一些不需求的費(fèi)用-例如去銀行提款看起來似乎是一個(gè)費(fèi)事,但這是不是真正地值得每次花美圓的手續(xù)費(fèi)在自動(dòng)取款機(jī)上取錢呢?在網(wǎng)上訂電影票看起來是方便,但能否真得值得付額外的費(fèi)用來訂票呢?Use balance transfers: Call up every sing
27、le one of the credit card companies and ask them if they can lower your interest rate or offer you special interest on balance transfer. Repeat with all the credit cards you have, and consolidate your loans onto the cards that offer the best interest rate. Watch out for the “balance transfer fees an
28、d make sure you are really coming out ahead. Again, do NOT close paid off credit cards because it will lower your credit score!運(yùn)用差額轉(zhuǎn)賬:給每一個(gè)信譽(yù)證公司打,然后問他們能否能降低他的利率或是在差額轉(zhuǎn)賬上給他提供特殊利息。反復(fù)多次運(yùn)用他一切的信譽(yù)卡,然后將他全部的貸款放在提供最優(yōu)惠利息的卡上。接著留意他“差額轉(zhuǎn)賬費(fèi)用并弄清楚他是真正地勝利了。再一次聲明一下,不要關(guān)掉他付款的信譽(yù)卡,這樣會(huì)降低他的信譽(yù)積分!Make a budget: A budget is not
29、really that difficult to make or follow. You dont need fancy software or tools, just a simple notebook and pen, or a trusted spreadsheet program. List all your recurring bills like rent/mortgage, groceries, utilities, bills and put a limit on it. Then create a category for miscellaneous expenses to
30、cover what you cannot plan for and an indulgence category. If you dont have enough for paying towards debt, tweak and tune these categories, until you find enough.學(xué)會(huì)運(yùn)用預(yù)算:預(yù)算并不是真正地難以運(yùn)用。他不需求什么特別的軟件或工具,他只需求一本簡(jiǎn)單的筆記本和一支筆或可信的電子數(shù)據(jù)表。將他經(jīng)常會(huì)用到的賬款如租費(fèi)/抵押費(fèi),商品費(fèi),日常生活費(fèi)用,賬單列在一個(gè)目錄上并給這些消費(fèi)加上一個(gè)最大限額。然后再給其它費(fèi)用建立一個(gè)目錄用來涵蓋他不能方案
31、的作為他暫時(shí)享用用的一個(gè)目錄。假設(shè)他以為他沒有才干來付這些款項(xiàng),那就修正他的目錄,直到他有足夠的才干來付這些款。Reuse and recycle: Reuse and recycle whatever you can. I never buy garbage bags. Instead I have small waste bins in my kitchen and bathrooms that I line with grocery bags. I dont care if someone thinks that is cheap it saves me money and is a s
32、mall way to reduce my environmental footprint. So why should I bother about what snobs think. And since they are smaller waste bins, they get cleaned our more regularly, reducing the possibility of stench in the kitchen. You will be amazed at how many different places you can apply the reuse and rec
33、ycle principle to save a few bucks!再運(yùn)用和再回收:再運(yùn)用和回收一切他可以做到的。我從來不買渣滓袋。相反在我廚房和浴室里用的渣滓袋是我買東西的袋子。我不在乎誰說我這是廉價(jià)貨-這確實(shí)幫我省了錢也是讓我減少對(duì)環(huán)境損害的一個(gè)小方法。因此,我不用煩惱那些權(quán)利的人所說的話。由于那些是比較小的渣滓袋,我可以更有規(guī)律地將它們及時(shí)清理干凈,減少它們?cè)趶N房的逗留時(shí)間。不久他將會(huì)很驚異地發(fā)現(xiàn)他可以在很多地方運(yùn)用這個(gè)再運(yùn)用和再回收的原那么來幫他節(jié)省少許錢!Make your intentions public: When you start digging into your de
34、bt, make your intentions public. Say it out loud - maybe to your spouse or your family or friends. When people know that you are tackling debt, they will give you dirty looks and lectures when you slip up :) It may be an unsavory experience, but if it keeps you on track and gets you out the hole fas
35、ter, why not? Maybe it will also stop them from enticing you to eat out or buy that new pair of pants!讓他的目的公眾化:當(dāng)他開場(chǎng)著手于他的債務(wù)中,他要將他的目的公眾化。大聲地說出來-對(duì)他的配偶,家人或他的朋友。當(dāng)人們知道他要處置他的債務(wù)時(shí),假設(shè)他中途有所怠慢,他們會(huì)給他不好的神色看并給他做思想:這能夠是一個(gè)不太愉悅的過程,但這可以讓他堅(jiān)持下去并更快地脫離債務(wù)的深淵,那他為什么不試一試呢?他們也能夠誘惑他讓他出去吃一頓或買一條新的牛仔褲!Start a blog about your effor
36、t: If you are not comfortable about sharing it with the people you know, share it with strangers! The internet makes it so easy to have an anonymous public image! Use it! Create a blog and chart your progress. You can create free blogs using software like blogger - it is fairly easy and you dont nee
37、d to be tech-savvy to be able to do it. Nothing makes you obsessive about getting rid of your debt like encouragement from a bunch of strangers whom you have never met! Besides, depending on your success, you may be able to monetize your blog and make it an additional source of income. Here are a fe
38、w blogs to get you started Blogging Away Debt, No Credit Needed, The Simple Dollar. A simple search for “blog debt on Google will show you many more if you are interested.創(chuàng)建一個(gè)博客對(duì)他每天的努力作一個(gè)報(bào)告:假設(shè)他覺得將這些與他認(rèn)識(shí)的人分享感到不太溫馨,那就與陌生人分享這一切!因特網(wǎng)讓他擁有一個(gè)虛擬籠統(tǒng)變得非常容易。就用它!創(chuàng)建一個(gè)博客然后見證他的勝利。他可以用像blogger 這樣的軟件來創(chuàng)建一個(gè)免費(fèi)博客-這確實(shí)很簡(jiǎn)單,而
39、且他不需求是一個(gè)技術(shù)專家來運(yùn)用它。從來沒有什么像一群他沒遇見過的陌生人的鼓勵(lì)那樣讓他如此著迷。此外,依賴他這種勝利,他可以將他的博客成為他賺錢的工具來做為他額外的收入。他可以從以下幾個(gè)博客開場(chǎng):Blogging Away Debt、No Credit Needed、The Simple Dollar。假設(shè)他有興趣的話,在Google網(wǎng)上簡(jiǎn)單地搜索一下“blog debt這幾個(gè)字,他將會(huì)得到更多信息。Surround yourself with the right type of people: If you are surrounded by people who keep spending,
40、 then it is difficult to get out of the consumerist mentality and slip into the more sensible mentality of living within your means. that may mean changing friends or keeping your distance from those that influence you negatively. It is a very difficult tip to follow, but a necessary one, if you wan
41、t to really get out of debt.讓本人的生活圈子里住滿“正確的人:假設(shè)他周圍的朋友全都不停地在花錢,那他很難從消費(fèi)的心思形狀中清醒出來,也很難進(jìn)入到更明智的生活方式之下。這就能夠意味著他要換掉他的朋友們或遠(yuǎn)離那些對(duì)他有消極影響的朋友。這條建議很難做,但又很必要,假設(shè)他是真的想要擺脫債款。Move! Drastic times require drastic measures! If you are really deep into debt you might want to consider more drastic steps like moving to a ci
42、ty with lower cost of living, to a smaller house, to an apartment with lower rent etc.行動(dòng)!極端的時(shí)代需求極端的方法!假設(shè)他確實(shí)深處債務(wù)中,那他得思索思索能否要搬到消費(fèi)低一點(diǎn)的城市,小一點(diǎn)的房子,房租廉價(jià)一點(diǎn)的公寓,等等。If something is available for free, dont pay for it. Throw the money at your debt instead! If you can take public transportation to get around, sk
43、ip the driving. Better yet, ride your bike and get a little workout at the same time. At the end of the month you may have used one less tank of gas. Make sure you bump up your debt repayment by that amount. It may not seem like much, but over a course of time, that can add up beautifully to free yo
44、u from debt a lot sooner.假設(shè)有的東西可以不要錢,那就不要付它,而讓這些錢花在歸還他的債務(wù)上!假設(shè)他可以用公共交通工具去某個(gè)地方,那就不要開汽車。最好是騎自行車,同時(shí)還能健身。在月底他用的汽油就能夠少于一油箱。確保他用這些錢來歸還一些負(fù)債。這看起來似乎不太多,但長(zhǎng)時(shí)間下去,他就可以完美地并更快地歸還一切的債款。Always pay more than the minimum payment toward your debt. If you only pay minimum payments, you will be old and gray before you pay
45、 off a the debt. Here is a calculator that shows the true cost of paying minimum. For example, if you only pay the minimum payment on a credit card loan of just $, at an APR of %, then it will take you around years to pay off that debt. In that time you would have paid $,. in interest. That is more
46、than the principal borrowed! Imagine how much worse it is with larger loans. So always try to make more than the minimum payments if you are serious about getting rid of debt.經(jīng)常在歸還他的債款時(shí),多付一點(diǎn)他能接受的最低量。假設(shè)他只是一味地每次歸還最低量,那他直到老的那天才會(huì)還清一切的債。下面就每次只付最低量做的一個(gè)計(jì)算。例如,他信譽(yù)卡上欠了美圓,他僅付最低量,大約 %來歸還,那他要花年來還債,而這段期間,他要付.美圓來還
47、利息費(fèi)。這比他借的本金還要多。試想一下,假設(shè)欠了更多的債,那是多么地嚴(yán)重。因此,假設(shè)他是認(rèn)仔細(xì)真地對(duì)待還債這件事,那他最好試著每次歸還他能付的最低量的多一點(diǎn)的金額。Dont hesitate to take help from loved ones: When you are down and battling with debt, if loved ones offer to help dont hesitate to accept. that could be in cash or kind. For instance, can your mother baby sit your kids
48、 so you can save some money that is spent on daycare and apply it to your debt? Can your parents loan you some money at low or zero interest that will help you reduce the amount you pay in debt? If you are just starting out, can you move back with your parents for a few months and throw the rent mon
49、ey towards your debt? These may be very tough but they can save you several years of slaving to pay off your debt.不要猶疑接受他親人的協(xié)助 :當(dāng)他處于優(yōu)勢(shì)并與債款作斗爭(zhēng)時(shí),假設(shè)他的親人為他提供協(xié)助 ,他不要猶疑地去接受。這種協(xié)助 不僅表達(dá)在現(xiàn)金上也表達(dá)在關(guān)愛上。比如,他的媽媽能否可以照顧他的孩子,這樣他就可以省掉一筆花在照顧上的錢而可以將這些錢花在債務(wù)上?他的父母能否能以低率或免率來借他一筆錢來減少他在債款上付的錢?假設(shè)他是剛搬出去住的,他能否搬回去和他父母住來免掉房租費(fèi)?這些能夠
50、讓他很為難,但這確可以幫他省好幾年來還債。Make it automatic/manual: I know thats ambiguous, but pick what works for you. If it hurts you every month to go over the bills and make the payments, then just set up automatic payments so that a fixed portion of your income goes towards paying debt. Your sole responsibility th
51、en is to make sure that your bank balance stays above the required amount and to avoid overdraft fees. On the other hand, if it gives you pleasure to watch your debt shrink and motivates you to keep at it, then make it manual. Pay your bills by yourself each month.自動(dòng)化或手動(dòng)化還債:我知道這很模棱兩可,但選擇一個(gè)對(duì)他最適用的。假設(shè)每
52、個(gè)月去查賬款付款讓他覺得很費(fèi)事,那就設(shè)定一個(gè)自動(dòng)每月付款,這樣他收入中的一個(gè)定額就會(huì)自動(dòng)地拿去歸還債款。他獨(dú)一的義務(wù)就是去確認(rèn)一下他銀行的余額仍處在最低點(diǎn)之上,免得要去付透支費(fèi)。另一方面,假設(shè)看著他的債款漸漸減少讓他覺得很爽并鼓勵(lì)他繼續(xù)堅(jiān)持下去,那他就人為地去還債。每個(gè)月本人去歸還。Ultimately, getting rid of debt is like going on a financial diet; it is not easy and the temptations to give in are high. There will be that tiny voice in yo
53、ur head that says, “whats the point of money if you cant enjoy life? But if you are in debt, and constantly worrying about it, you are in fact enslaved to your financial miseries. Unless you make some sacrifices, it is unlikely that you will be able to get out of it. Not all of these tips will work
54、for you, so pick what does and stick to it! 總之,脫離債款就像是減錢的肥;這一點(diǎn)也不容易,他所遇到的誘惑也是很大的。有一個(gè)小小的聲音總是在他的頭腦他回蕩,“假設(shè)不可以享用生活,那錢還有什么用呢?但是他假設(shè)欠債,并不斷地?fù)?dān)憂著,那他實(shí)踐上就成了錢奴。假設(shè)他不做出一點(diǎn)犧牲,他是不能夠脫離債谷的。不是一切的建議對(duì)他都是有用的,所以他要挑出幾個(gè)并堅(jiān)持做下去。人力資源術(shù)語英漢對(duì)照出自 MBA智庫百科( HYPERLINK wiki.mbalib/) HYPERLINK wiki.mbalib/wiki/%E%BA%BA%E%A%B%E%B%E%BA%E%AE%
55、A%E% o 人力資源管理 人力資源管理:(Human Resource Management ,HRM) HYPERLINK wiki.mbalib/wiki/%E%BA%BA%E%A%B%E%B%E%BA%E%BB%F%E% o 人力資源經(jīng)理 人力資源經(jīng)理:( human resource manager) 高級(jí)管理人員:(executive) 職業(yè):(profession) 品德規(guī)范:(ethics) 操作工:(operative employees) 專家:(specialist) HYPERLINK wiki.mbalib/wiki/%E%BA%BA%E%A%B%E%B%E%BA%E
56、%AE%A%E%AF%E%D%F%E%BC%A o 人力資源認(rèn)證協(xié)會(huì) 人力資源認(rèn)證協(xié)會(huì):(the Human Resource Certification Institute,HRCI) 外部環(huán)境:(external environment) 內(nèi)部環(huán)境:(internal environment) 政策:(policy) HYPERLINK wiki.mbalib/wiki/%E%BC%E%B%A%E%E%C% o 企業(yè)文化 企業(yè)文化:(corporate culture) 目的:(mission) 股東:(shareholders) HYPERLINK wiki.mbalib/wiki/%E
57、%D%E%E%AD%A%E%BC%F%E%BB%E%BB% o 非正式組織 非正式組織:(informal organization) 跨國公司:(multinational corporation,MNC) 管理多樣性:(managing diversity) 任務(wù):(job) 職位:(posting) HYPERLINK wiki.mbalib/wiki/%E%B%A%E%BD%C%E%E%E% o 任務(wù)分析 任務(wù)分析:(job analysis) 任務(wù)闡明:(job description) 任務(wù)規(guī)范:(job specification) 任務(wù)分析方案表:(job analysis s
58、chedule,JAS) HYPERLINK wiki.mbalib/wiki/%E%C%E%BD%D%E%E%E%E%AE%E%D%B%E%B%E%F%A%E%B% o 職位分析問卷調(diào)查法 職位分析問卷調(diào)查法:( HYPERLINK wiki.mbalib/wiki/Management_Position_Description_Questionnaire o Management Position Description Questionnaire Management Position Description Questionnaire,MPDQ) 行政秘書:(executive sec
59、retary) 地域效力經(jīng)理助理:(assistant district service manager) 人力資源方案:( HYPERLINK wiki.mbalib/wiki/Human_Resource_Planning o Human Resource Planning Human Resource Planning,HRP) 戰(zhàn)略規(guī)劃:(strategic planning) 長(zhǎng)期趨勢(shì):(long term trend) 要求預(yù)測(cè):(requirement forecast) 供應(yīng)預(yù)測(cè):(availability forecast) 管理人力貯藏:(management invent
60、ory) 裁減:(downsizing) 人力資源信息系統(tǒng):(Human Resource Information System,HRIS) 招聘:(recruitment) 員工懇求表:(employee requisition) 招聘方法:(recruitment methods) 內(nèi)部提升:(Promotion From Within ,PFW) 任務(wù)公告:(job posting) 廣告:(advertising) 職業(yè)引見所:(employment agency) 特殊事件:(special events) HYPERLINK wiki.mbalib/wiki/%E%AE%E%E%B
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