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疫情下,如何避免失业和财务危机

疫情下,如何避免失业和财务危机

CHRIS TAYLOR 2020年03月25日
你能做的是,脚踏实地,一步一步地采取一些具体的措施,来尽可能地保障你的饭碗和财务安全。本文是专家们的一些建议。

面临眼下的疫情,人们会产生不同形式的恐惧——很多都是非理性的恐惧,如疯狂囤购卫生纸;但有些恐惧是理性的。

比如担忧饭碗不保,担忧财务麻烦。

我们正处于前所未遇的境况,新冠病毒疫情所引发的经济衰退有可能会带来长久而严重的影响。你可以恐惧,但此时你更应该做的,是设法稳固已有的一切,准备好应对糟糕的情况,同时主动做点什么,来改善你的职业前景和避免陷入财务危机。

“做好失业准备,是所有人平时也应该做的一件事情,但这一次的恐慌不同于以往。”迈阿密资产管理公司Kaufman Rossin Wealth的理财规划师查尔斯·萨克斯指出,“随着各行各业的运转被阻断,全球各地同时出现生产活动的放缓,规模之大、范围之广前所未见。人们不再随随便便就能重新找到工作了。”

从研究数据来看,的确如此。穆迪分析公司的最新研究显示,目前,美国经济中有近8000万个工作岗位处于中高等风险状态——该数字占全国工作岗位总数的一半以上。其中,高风险岗位占2700万个,涉及旅游、交通运输、石油、酒店等多个你也可能想到的行业。

也许,新冠病毒疫情最令人不安的是,它仿佛一个在不断扩大势力范围,且让人看不见摸不着的敌人,你会觉得无能为力,完全拿它没办法。面对这些负面情绪,你能做的是,脚踏实地,一步一步地采取一些具体的措施,来尽可能地保障你的饭碗和财务安全。以下是专家们的一些建议:

更新在线简历

工作多年的员工放在网上的简历很可能已经过时。如果你是这一类员工,那么你要做的第一步是,更新简历,添加上近几年的各类工作履历:完成的培训项目,完成的任务,参加过的行业会议,新增的技能,等等。

即使你现在的饭碗很稳定,也要这么做,因为你是在为一个未知的未来做准备,而不是在对你自己公司的财务前景做出判断。“我甚至告诉我的团队要随时更新简历,”热门求职网站Indeed人力资源高级副总裁保罗·沃尔夫说道,“要是想自己的简历变得鲜活有生命力,就得养成定期更新的习惯。”

指点:把你的LinkedIn主页开放给招聘人员访问,这样即便你没有在主动寻找工作,你也能进入行业猎头的视线范围。

提升自我,别有工作就志得意满

如果你是名资历丰富的员工,你可能没那么积极主动地去发展新技能,也不怎么主动请缨接下高难度的任务。从今天开始,你应当做出改变了。例如,参加员工发展计划,考取技能证书,接下别人不想接的项目。这样的员工,雇主才十有八九会留下来。

据LinkedIn称,目前最吃香的硬技能包括区块链、云计算、分析推理和人工智能。最受欢迎的软技能则包括创意、说服力、合作能力和适应能力。你可以利用像LinkedIn Learning (https://www.linkedin.com/learning)这样的学习资源,来培养自己的那些技能。

注意:许多公司都在转向远程办公,但别以为这样就可以趁机偷懒,放慢工作节奏。“最重要的两点是绩效和敬业度,”沃尔夫表示,“你得确保自己能够做到准时参加所有的远程会议,参与工作讨论,按时完成所有的任务和目标,及时向领导汇报工作情况。”

采取财务行动

每个人都应该有应急金,当中预留三到六个月的生活支出,以应付不时之需。如果你没有,那么你首先要做的就是这件事。“应急金就是为像现在这样的情况而准备的,” 纳什维尔理财规划师肖恩·梅尔比说道,“在你还能领薪水的时候,就应该准备应急金。”

任何额外的现金流或年度加薪、税款退还等都能充实你的现金储备。在这个动荡不安的经济时期,这不仅仅能缓解你的焦虑,还能避免更多灾难性的后果,比如不得不动用你的退休金来偿付当前的生活费用。

注意:梅尔比建议,“建立信用额度,无论是房屋净值贷款、个人信用额度还是信用卡。”如非必要,不要动用这些信贷工具——它们只是备着以防万一,让自己在最糟糕的情况发生时也能保证一日三餐温饱。

调整预算计划

聪明的家庭有时会做两种预算:一种用于正常时期;另一种用于经济拮据时期,如被裁员或两份收入变成一份的时候。也许,现在是时候启用后一种预算计划,防患于未然。

“先把你的支出分成两类:哪些是必要支出——诸如食品杂货、房租或者房贷的核心支出——哪些是非必要支出?”劳德代尔堡财富管理公司Harbor Crest Wealth的理财规划师迈克尔·亨尼斯指出,“这样,你就可以知道维持日常基本生活大概需要多少钱。然后,就开始削减支出项目。”

这可能意味着,在经济前景变明朗之前,要减少每月的固定支出,如改用价格实惠些的有线电视套餐,取消一些订阅;也要推迟大额支出计划,如房子大幅装修,换新车。你原本计划花在春游上的钱,或许应当改为归入应急金。

实话实说:没有人真正知道接下来会发生什么。但是,采取所有的这些步骤,你就能更好地应对当前的难关。

“人们之所以感到焦虑不安,很大程度上是因为失去了对日常生活的控制。”梅尔比说道,“但如果你能制定出一个可执行的计划,以防最糟糕的情况发生,那么你的焦虑感就会消失。如果最糟糕的情况没有发生呢?那下一次危机你就能更好地应对了。”(财富中文网)

本文编辑对原文有修改

译者:万志文

面临眼下的疫情,人们会产生不同形式的恐惧——很多都是非理性的恐惧,如疯狂囤购卫生纸;但有些恐惧是理性的。

比如担忧饭碗不保,担忧财务麻烦。

我们正处于前所未遇的境况,新冠病毒疫情所引发的经济衰退有可能会带来长久而严重的影响。你可以恐惧,但此时你更应该做的,是设法稳固已有的一切,准备好应对糟糕的情况,同时主动做点什么,来改善你的职业前景和避免陷入财务危机。

“做好失业准备,是所有人平时也应该做的一件事情,但这一次的恐慌不同于以往。”迈阿密资产管理公司Kaufman Rossin Wealth的理财规划师查尔斯·萨克斯指出,“随着各行各业的运转被阻断,全球各地同时出现生产活动的放缓,规模之大、范围之广前所未见。人们不再随随便便就能重新找到工作了。”

从研究数据来看,的确如此。穆迪分析公司的最新研究显示,目前,美国经济中有近8000万个工作岗位处于中高等风险状态——该数字占全国工作岗位总数的一半以上。其中,高风险岗位占2700万个,涉及旅游、交通运输、石油、酒店等多个你也可能想到的行业。

也许,新冠病毒疫情最令人不安的是,它仿佛一个在不断扩大势力范围,且让人看不见摸不着的敌人,你会觉得无能为力,完全拿它没办法。面对这些负面情绪,你能做的是,脚踏实地,一步一步地采取一些具体的措施,来尽可能地保障你的饭碗和财务安全。以下是专家们的一些建议:

更新在线简历

工作多年的员工放在网上的简历很可能已经过时。如果你是这一类员工,那么你要做的第一步是,更新简历,添加上近几年的各类工作履历:完成的培训项目,完成的任务,参加过的行业会议,新增的技能,等等。

即使你现在的饭碗很稳定,也要这么做,因为你是在为一个未知的未来做准备,而不是在对你自己公司的财务前景做出判断。“我甚至告诉我的团队要随时更新简历,”热门求职网站Indeed人力资源高级副总裁保罗·沃尔夫说道,“要是想自己的简历变得鲜活有生命力,就得养成定期更新的习惯。”

指点:把你的LinkedIn主页开放给招聘人员访问,这样即便你没有在主动寻找工作,你也能进入行业猎头的视线范围。

提升自我,别有工作就志得意满

如果你是名资历丰富的员工,你可能没那么积极主动地去发展新技能,也不怎么主动请缨接下高难度的任务。从今天开始,你应当做出改变了。例如,参加员工发展计划,考取技能证书,接下别人不想接的项目。这样的员工,雇主才十有八九会留下来。

据LinkedIn称,目前最吃香的硬技能包括区块链、云计算、分析推理和人工智能。最受欢迎的软技能则包括创意、说服力、合作能力和适应能力。你可以利用像LinkedIn Learning (https://www.linkedin.com/learning)这样的学习资源,来培养自己的那些技能。

注意:许多公司都在转向远程办公,但别以为这样就可以趁机偷懒,放慢工作节奏。“最重要的两点是绩效和敬业度,”沃尔夫表示,“你得确保自己能够做到准时参加所有的远程会议,参与工作讨论,按时完成所有的任务和目标,及时向领导汇报工作情况。”

采取财务行动

每个人都应该有应急金,当中预留三到六个月的生活支出,以应付不时之需。如果你没有,那么你首先要做的就是这件事。“应急金就是为像现在这样的情况而准备的,” 纳什维尔理财规划师肖恩·梅尔比说道,“在你还能领薪水的时候,就应该准备应急金。”

任何额外的现金流或年度加薪、税款退还等都能充实你的现金储备。在这个动荡不安的经济时期,这不仅仅能缓解你的焦虑,还能避免更多灾难性的后果,比如不得不动用你的退休金来偿付当前的生活费用。

注意:梅尔比建议,“建立信用额度,无论是房屋净值贷款、个人信用额度还是信用卡。”如非必要,不要动用这些信贷工具——它们只是备着以防万一,让自己在最糟糕的情况发生时也能保证一日三餐温饱。

调整预算计划

聪明的家庭有时会做两种预算:一种用于正常时期;另一种用于经济拮据时期,如被裁员或两份收入变成一份的时候。也许,现在是时候启用后一种预算计划,防患于未然。

“先把你的支出分成两类:哪些是必要支出——诸如食品杂货、房租或者房贷的核心支出——哪些是非必要支出?”劳德代尔堡财富管理公司Harbor Crest Wealth的理财规划师迈克尔·亨尼斯指出,“这样,你就可以知道维持日常基本生活大概需要多少钱。然后,就开始削减支出项目。”

这可能意味着,在经济前景变明朗之前,要减少每月的固定支出,如改用价格实惠些的有线电视套餐,取消一些订阅;也要推迟大额支出计划,如房子大幅装修,换新车。你原本计划花在春游上的钱,或许应当改为归入应急金。

实话实说:没有人真正知道接下来会发生什么。但是,采取所有的这些步骤,你就能更好地应对当前的难关。

“人们之所以感到焦虑不安,很大程度上是因为失去了对日常生活的控制。”梅尔比说道,“但如果你能制定出一个可执行的计划,以防最糟糕的情况发生,那么你的焦虑感就会消失。如果最糟糕的情况没有发生呢?那下一次危机你就能更好地应对了。”(财富中文网)

本文编辑对原文有修改

译者:万志文

In stressful national moments like these, there are different types of fear—irrational fear based on panic, like buying vast quantities of toilet paper, and rational fear based on evidence and common sense.

Your fear for your job and finances is legitimate.

We are in uncharted waters here, and the effects of a coronavirus-related economic slowdown could be prolonged and significant. That doesn’t mean you should freak out—but it does mean you should shore up what you have, prepare for bad outcomes, and take active measures to improve your career outlook and bulletproof your finances.

“Preparing for job loss is something that all people should be doing all the time, but this recent scare is different,” says Charles Sachs, a financial planner with Miami’s Kaufman Rossin Wealth. “There is a simultaneous global slowdown of work on an unprecedented basis, as entire industries shut down. You can no longer just walk across the street and get rehired.”

Indeed, almost 80 million jobs in the U.S. economy are at moderate or high risk, according to new research from Moody’s Analytics—more than half of the total jobs in the country. The 27 million high-risk jobs include sectors you might expect, like tourism, transport, oil, and hospitality.

Perhaps the most unsettling thing about the coronavirus is that it involves a spreading and invisible enemy, which foments a personal sense of helplessness. You can deal with those feelings by focusing on small, concrete steps to safeguard your career and your money. Some advice from the experts:

Update online profiles

For longtime staffers, odds are your online résumé probably has cobwebs on it. Step one is to update it with everything you’ve been up to in recent years: training programs completed, tasks accomplished, industry conferences attended, fresh skills added to your repertoire.

Do this even if your current job seems solid, because you’re preparing for an unknown future, not making judgments about your own company’s financial prospects. “I even tell my own team to keep their résumés updated,” says Paul Wolfe, senior VP of human resources for popular jobs site Indeed. “You want it to be a living and breathing document and get into the rhythm of updating it on a regular basis.”

Insider tip: Mark your LinkedIn profile as open to recruiters, which will get you on to the radar of industry headhunters even if you’re not actively looking.

Cement yourself in your current position

If you’re a veteran employee, it’s likely that you haven’t been as proactive as you should have been in developing new skills or volunteering for tough assignments. That should end today. Take advantage of employee development programs, acquire skills certificates, and take on the projects that no one else wants, which will make employers much less likely to let you go.

Top in-demand hard skills right now include blockchain, cloud computing, analytical reasoning, and artificial intelligence, according to LinkedIn. Meanwhile the top-ranked soft skills are creativity, persuasion, collaboration, and adaptability. You can brush up on those skills with resources like LinkedIn Learning (https://www.linkedin.com/learning).

A side note: Since many companies are pivoting to remote working, don’t take the occasion to ease back on the throttle. “Performance and engagement are key,” says Wolfe. “Make sure you’re attending all virtual meetings, contributing to the conversation, hitting all the deadlines and objectives, and keeping your leaders informed.”

Take financial action

Everyone should have a so-called emergency fund, consisting of enough to cover three-to-six months’ expenses to tide you over in times of turmoil. If you don’t have one, that is now your No. 1 priority. “This is what emergency funds are made for,” says Shaun Melby, a Nashville financial planner. “Build that cash emergency fund while you are still receiving a paycheck.”

Any extra cash flow or annual raise—or perhaps your tax refund, which is upcoming if you expect one—goes into shoring up that reserve. That will not only ease your anxiety as we enter this choppy economic period, but will also stave off more catastrophic errors, like having to raid your retirement funds to pay for the present.

A related note: “Establish lines of credit, whether they are home equity, personal lines, or credit cards,” advises Melby. Ideally, don’t tap them at all—just have that access to credit ready, if worse comes to worse and you need them to put food on the table.

Revise your budget

Smart households sometimes have two budgets: one for normal times, and a leaner one for financially stressful moments, such as when a layoff hits and two incomes are reduced to one. It might be time to invoke the second, as a preemptive strike.

“Break down your expenses: What is absolutely vital—your core expenses like food from the grocery store, or your rent or mortgage—and what is discretionary?” asks Michael Hennessy, a financial planner with Harbor Crest Wealth in Fort Lauderdale. “That gives you a baseline for your sustainable, survivable expenses. It’s a good idea to start dialing back spending.”

That could mean reducing monthly fixed costs, such as switching to a more modest cable package or canceling a few subscriptions, and putting off major spending plans, like a big home renovation project or a new car, until the nation’s economic picture becomes clearer. Perhaps the money that you were planning to spend on spring break goes straight into the emergency fund instead.

Let’s be honest: Nobody really knows what’s coming. But take all of these steps, and you will be better equipped to ride out the storm.

“Much of the anxiety people feel is because of things being out of their control,” says Melby. “But if you can create an actionable plan in case the worst happens, then that anxiety you feel will dissipate. And if the worst doesn’t happen? Then you’re better prepared for the next crisis.”

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