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第一节：一路笑到达尔文银行
别动你的储蓄金
也许我们应该为勇敢的祖先及其基因遗产感到自豪，但如果我们大多数人行动起来更像一个吝啬鬼而不是胜利的洞穴女时，我们会更加快乐。为了在拥有电冰箱和有政府做担保的银行的工业世界里活得富裕红火，我们还是需要骗一骗我们古老的基金。
Perhaps we should be pround of
ancestors and genes inherited from them, but if we acted more like
cheapskate ( miser, pinchfist, screw, skinflint, tightwad) than a
winning cavegirl, we would have been more happy. If we want to be
more rich in the industry world with refrigerator and government
insured banks, we'll have to cheat our ancient genes.
由于进化过程要求我们把看到的东西消费掉，所以最成功的储蓄技巧就是把钱藏起来，让它远离我们的视线。如果让自己感到贫穷，我们就可以使自己过度消费的本能变得节俭一些。一个众所周知的技巧就是少带现金。这样做，我们起码可以小小地愚弄一下自己的基因，让它认为没有太多多余的钱要消费。
Procedure of evoluation urges us to
spend what we have seen, so the most succesful saving skill is
hiding our money to be far away from our line of
sight. If we think we are poor we can change our
instinct of
extravagance into austerity. A
well-known skill is less cash carried with us. To do this, at least
we can make fool of our genes who feels as if we had not enough
money to spend.
在《飞越封锁线》（The
Border）这部电影中，杰克.尼科尔森回家后发现房子里放满了昂贵的新家具。当他问花了多少钱时，他妻子回答说：“不要担心付钱的事情...我开了一个按揭帐户！”使用信用卡的危险之一就是我们交出去的不是感觉很有价值的东西，如冷冰冰的现金，所以人家要钱时我们并没有感觉是在花钱。对于追求节制的您来说，信用卡不如借记卡，借记卡不如付现金，而付现金又不如不花钱。
In the film
of The Border, when he returned home,
Jack Nikelson found many expensive furnitures in his house. When
asked how much they cost, his wife said:" Don't worry about the
money... I've opened a mortgage account!" The danger of using
credit card is that we don't think we are spending
something valuable such as frosty cash, therefore, when someone
asks us to pay we are not aware of spending. If you are seeking to
be austerity, you'd better use debit card rather than credit card,
cash rather than debit card, or spend nothing than carry cash with
you at all.
许多人发现这种花招的另一种变通方式很有用，那就是建立多个银行帐户。取钱不那么方便的哪一个帐户能用来存钱，而更常用的帐户，一般是经常帐户，每个月有固定的转帐次数。储蓄帐户也应该越隐蔽越好。例如，可以在另一个州开这个帐户，而在本州没有联网的自动柜员机或借记卡；或者至少在一个自动柜员机离我们很远的银行里开户。
Many people find that an alternative
of this stunt, to open more than one account, is
very useful. Choose an unconvenient account in a
bank from which you can't fetch your money easily while a
frequently used account, which always be a current account, have
fixed transfer times every month. The account should be the more
covert the better. For example, you can open the account in another
state which has no networked cashpoint nor debit card in your
state, or at least whose cashpoint is very far away from you.
容易让我们拿到钱的途径就是我们的敌人。也许有些讽刺意味，但是事实上最好的银行可能是取款尽可能困难的银行。比方说，我们可以选择这么一个帐户，利率很高，但是每次交易的收费都令人咋舌。
The way easy for us to get the money
is our enemy. Sacarstic as it is, but in fact, the best bank is the
most difficult to get money from. For example, we can choose such a
bank that the interest rate is very high but the fee is extremly
expensive each time.
人们带到这个世界来的本能并不能使我们采取适宜的金融行为。我们大多数人需要学习，而学习过程经常充满了痛苦。...
The instinct given to us when we were
given birth to the world does not always brings us
proper financial actions. Most of us need to study and the
procedure of study always full of pain.
...
我们最有效的储蓄机制之一就是把钱藏起来。是想躲谁呢？躲我们自己，或者更精确一点儿，躲的是我们最冲动的那部分基因。
...
The most effective method of saving
is hiding the money we have. Whom on earth do we want to hide out?
It's ourself, and more accurately, the most impulsive genes we have
that we need to hide out.
...
如果您有了一份工作，你就已经通过社会保障的形式把一部分钱从您眼前藏起来了。虽然这不是专门在存钱，但可以帮我们把钱存起来以备退休以后使用。本质上说，我们挣得越多，退休以后政府付给我们的就越多。虽然社会保障的弊病很明显，它还是减轻了那些上了年纪的美国人的贫困状况。这个项目刚实施时，65岁以上的人时美国人最贫穷的群体，但是现在他们成了最富有的群体。
If you have a job, you have hidden a
part of your money from you by the social insurance sysytem. Though
you are not saving money on purpose but this will help us saving
the money for use after our retirement. Essentially, the more we
earn, the more the government will pay us after our retirement.
Though insurence has obvious disadvantages, it has
relieved the poverty of the old-aged Americans. At the beginning of
the plan the American people about 65 years old was the poorest of
all but now they have become the richist group.
还有一个行之有效的存钱方法，其成功之处恰恰在于它不像在存钱，那就是置办东西。虽然60岁的美国人平均只有8，300美元金融资产，退休人员的家庭财产却超过了3.5万美元。如果还不上钱，抵押的东西就会让人搬走。可是令人称奇的是，即使不怎么样的储蓄者也能够积攒起足够的东西而避免破产。
There is another effective way of
saving, the key of which to be successful is
that it doesn't look like saving but buy
belongings.Though Americans of 60
years old averagely have only 8,300 dollars of financial
belongings(financial property), the family belongings(property) of
the retired people exceed 35,000 dollars. If they can't
pay the debt, the belongings will be taken away.
Surprisingly, even those who are
not so good savors can accumulate enough property
to avoid bankruptcy .
20世纪80年代，波姬.小丝（Brooke
Shields）曾为卡尔文.克来恩（Calvin
Klein）牛仔装做了一系列活泼俏皮的广告。其中之一是，“要是我有了钱，就去买Calvin
Klein，要是还有啥剩下的，我就用来付房租。”成功的储蓄之道也有这么一点儿似乎离经叛道的优先考虑。
In eighty's of 20th
century, Brooke Shields had been advertised for Calvin Klein in a
series of vivid program. One of them said, "If I had money
I will buy Calvin Klein, and if I had some margin,
I will pay the rent with them." The way to
successful saving also has a priority which seems like rebeling of
othodoxy like this.
善于储蓄者则说：“我要有了钱，就把一些存起来。要是还剩下一点儿钱，我会拿去买吃的住的。”有了钱以后，人们会先存起一部分，然后再考虑其它需要。只要存的钱数目固定，并以抵押支付或工资削减的形式加以要求，多数人还是能保持收支平衡。但如果把买东西省下来的钱再拿来储蓄的话，结果往往是根本无钱可存。
A good savor will say: "If I have
some money, I'll save a little, and if there's some margin, I'll
buy some food and house." When they have money, people will save
some of them and consider something else. Only if the sum saved is
fixed and insured by means of mortgage debt
or deduction of salary, most of them can balance their income and expenses. But if they
want to save after spending，they'll always find
nothing left.
建立自动存款机制是一件非常痛苦的事情。但是几乎每个人都能熬过去，并适应了新的收入情况。抵押权和秘密共同基金对富人不过是锦上添花，而对我们这些并不富裕的人来说又意味着什么呢？
这里的窍门是在合适的时候增加存钱的数量。例如，我们加薪后可以提高加入退休帐户的比例，这么一来我们带回家的钱还是以前那么多，我们尽可以发发牢骚，但知道靠以前那个工资数也能过日子，因为我们以前就是这么过来的。
It's painful to set
up a automatic saving mechanism. But nearly everyone can get over
it to get used to his new income. Mortgage holding and secret
common fund are simply
the icing on the cake for the rich, but what they
mean to us who are not so rich enough?
The secret here is increase the sum
to save in proper time. For example, we can increase the rate of
the retirement account when we get a increase in
salary. So the money we take home is as much as
before. We can just complain about it but we know we can do with(bear) the previous
salary for we did it
before.
随着政府财政节余的增加，也有可能再过几年我们会减税。要真是这样的话，那可是另一个增加储蓄的绝佳时机。同样，有了意外之财的话，象税率降低和得到馈赠，最好是赶紧进行投资。
If the finance margin of the
government increases we will benifit from decrease of taxation.
This is another excellent oppertunity
to increase our savings. Similarly, if we get some extra money such
as reducing of tax rate or obtaining the presentation, the best
thing to do is to invest at once.
《隔壁的百万富翁》（The Millionaire
Next
Door)一书描写了普通人是如何致富的。结论令人吃惊，因为书中认为，大多数人之所以富起来，不是因为他们比一般人挣钱多，而是由于花得少。比如说，百万富翁会多等上一年才把他们明显并不时髦的轿车替换掉，而且有可能戴天美时（Timex）手表而不是劳力士。
《The millionaire Next Door》has
described how the ordinary people has become rich. The conclusion
is surprising that most people become rich not because they earn
more but that they spend less. For example, a millionaire will wait
for a year to change their obviously unfashionable
car and perhaps he has a Timex instead of Rolex.
存更多钱
为什么我们存钱要费那么大的劲儿，而做其它事情却易如反掌？答案是，那些和数千代人的生存繁殖休戚相关的行为，我们学起来不费吹灰之力。我们只在不能靠本能来对付那些古老的问题时，才会认真学习。有一个生动的例子，那就是看小孩子是怎样对危险物品做出反应的。
Why we
feel so difficult to save while so easy to do
other things? The answer is that those actions related tightly to
our survival and propergate in thousand of years are easily to
learn. Only on those problems we can't solve by
instinct shall we study hard. There is an
interesting example (vivid example)how
children will act towards
dangerous things.
把装满子弹的枪放进围栏里，小孩们会象拿着其它玩具那样玩儿，咯咯地傻笑，还有可能把枪放进嘴里。与此形成鲜明对比的是，把一个玩具蛇放到围栏里，他们会惊恐地缩起来。给任何一个年龄段的人看一条蛇，或者仅仅是一幅画，都会引起他们强烈的反应，如出一身冷汗或者心跳加速。不管是美国人，英国人，日本人，澳大利亚人还是阿根廷人，反应都一个样儿，甚至当地没蛇的爱尔兰人都如此。
为什么我们本能地怕蛇而不是怕枪？在1998年，遭枪杀的美国人有3万多，而被蛇咬死的人不到两打。在美国，让雷电击中的比率是被蛇咬死的8倍。然而，蛇却造成了人们最强烈的本能反应之一。
Why we are instinctively scared of
snakes instead of guns? In the year of 1998, Americans killed to
death are more than 30,000 while those bitten to death are less
than 2 dozens. In the United States, those who shocked to
death by lightning is 8 times of bitten by snakes.
But snakes have caused one of the strongest instictual
reactions.
......
It is reasonable that we should be
scare of gun and don't care about snake respectively. But we are in the contrary by
nature(by birth). Think it over and so it explains. The
genes which can cause the scare has been inherited from our
ancestors like any other genes. When humanbings lived on hunting
and collection, many people were bitten to death by snakes while
someone killed by gun only happened recently. So we are disgusted
of our ancient enemies, the snakes. Some
quadrumana(Primates) have also been bitten to
death by snakes so they have the
same genes of abhorrence genes. Even adault
chimpanzees and mokeys who have stayed in zoos all
life and have never seen a snake are scared about crawlers
instictively like us. On sight of snakes they will immediatly be
frightened and dysphoric.
......
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