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时尚双语:大学可能会让你致富的8门课程

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Is it common knowledge that school doesn't prepare you well for the real world?

Sure, you can get a good degree, find a well-paying job, work until you're in your 60s, and then retire to enjoy the life you've deferred for 40+ years. However, that may not prove to be a successful life, a secure life, a financially sound life. A lot will depend on your outlook and your goals but know this: School doesn't prepare you well for achieving wealth or becoming an entrepreneur and it downright fails at teaching you how to be rich.

Nevertheless, school is here to stay. For now. Thus, it helps to identify which classes are the most relevant and helpful for those of us looking to become rich entrepreneurs. There are, in fact, several courses that contain critical information and instruction that, if used correctly, will put you on your path to riches.

If you're in college, about to start college, or looking to take some classes, here is a list of college courses that could help make you rich. (I focused on college because (a) college provides the most variety in course selection, and (b) college is generally the time when individuals realize what they want to do with their lives.)

Accounting

Although this list is in no particular order, I think Accounting is, by far, the most important course to take if you want to succeed financially. Today's "credit crunch" illustrates that there are too many people who do not understand a balance sheet. Someone who walks into Best Buy and pays for a 47-inch plasma television with a credit card does not comprehend the difference between an asset and a liability.

Learning the difference between assets and liabilities, as well as concepts like inventory and cash flow, is essential if you intend on keeping your finances in order. Moreover, these concepts are crucial if you want to start your own business. The health of a business is reflected in its balance sheet and financial statement. As those numbers go, so does the business. Accounting will help you understand that cash flow is what helps a business succeed, and it is what helps you as an individual succeed.

Marketing

If you intend on making money from selling something (which, incidentally, is how any business makes money), then you need to learn how to find the right product. Marketing, in and of itself, is not selling. However, it helps you learn how to promote certain products and services. By taking Marketing, you can understand the process involved in figuring out what consumers want, focusing on a product that satisfies those desires, and the attempt at moving consumers toward that product.

Too often, products fail because their creators didn't bother to learn whether a market existed for that product. This process involves research and time, but, in the end, it can save a business thousands, if not millions, of dollars. As an entrepreneur, it can also save you valuable time and money. Find the market first, and then develop the product.

Economics

I regret never taking Economics in college. Understanding the production, distribution, and consumption of goods and services is essential if you want to take a big picture approach to business and investing. The current state of the U.S. economy is a combination of various factors (i.e., consumer over-spending, speculative real estate investing, fragile lending practices, a weakening dollar, low supply of oil, etc.).

If you understand how the economy got to the point where it is today, it helps you identify where your money should be. You can pick out the right investments and turn away from the bad ones. You can identify which direction your business should go in, including whether to take advantage of certain trends or cut out excess inventory.

Economics is a vital ingredient in a person's financial education. The world is now a global marketplace, and the supply and demand of goods and services operate at that level.

Finance

It's tax season, and several people you know are probably receiving refund checks in the mail from the Internal Revenue Service. If you're excited about receiving a refund check, you probably never took a finance course. Receiving a refund is a way for you to lose money. The government withheld money from your paychecks and held that money for a year without paying you any interest. It's like giving someone an interest-free loan. Thus, your money sat in the government's hand and lost value during that time.

Finance helps you understand how the time value of money works and how various investment vehicles operate. One of the keys to becoming rich is comprehending how money works when it's not in your hands. A finance course (preferably one geared towards entrepreneurship) will teach you what you need to know to reach this level of understanding. There might be some math involved, but it won't kill you. It'll just make you a stronger and more savvy investor.

Any American History Course

History can be boring. But if you look at history from a different viewpoint, it can open doors for you. The most valuable aspect of history is its ability to convey to us the mistakes of others. Studying history helps you learn from others mistakes so that, hopefully, you won't commit the same mistakes.

American history is filled with mishaps, wrong turns, and terrible decision-making, both at the national political level and at the business level. Look at these errors, and figure out how a better decision could have been made. Then, apply that realization to today's world and to your own trajectory. How can you apply what you learned from these mistakes to your own entrepreneurial experiences?

Writing and Composition

Succeeding as an entrepreneur requires that you be able to express yourself and your ideas. Whether it involves pitching an idea to an investor, writing a press release, or composing a business plan, entrepreneurs need to communicate. More often than not, this communication is done in writing. Basic composition and grammar skills can do wonders for your ability to convey your ideas and your mindset.

Just glance around at the number of blogs across the Internet and you will see a lot of bad writing. It's an instant turnoff and preempts any evaluation of the content of your writing. Good writing, on the other hand, draws in a reader, and it gives you a shot at selling someone on your content. In other words, it helps you get in the door.

Any Literature Course

Literature, like history, contains valuable lessons that emanate from years of experience and wisdom. Why not draw on these sources of information? There is no limit to the topics covered by novels. Ernest Hemingway's books are full of inspirational messages. Oscar Wilde provides brilliant business advice. Henry David Thoreau is the master of teaching self-reliance. These books and others provide timeless principles of personal development and, just as important, wealth creation.

Management

One of the problems with "bosses" is that they don't know how to manage people. If you want to own and run a business, you need to manage that business effectively and efficiently. This process requires dealing and communicating with people and delegating tasks and decisions to employees. An understanding of management concepts and learning different techniques and skills will not only make you likable, but they will also help you make more money.
-Robert

重点单词   查看全部解释    
credit ['kredit]

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n. 信用,荣誉,贷款,学分,赞扬,赊欠,贷方

联想记忆
supply [sə'plai]

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n. 补给,供给,供应,贮备
vt. 补给,供

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combination [.kɔmbi'neiʃən]

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n. 结合,联合,联合体

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communicate [kə'mju:nikeit]

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v. 交流,传达,沟通

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liability [.laiə'biliti]

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n. 责任,可能性,债务,不利因素,倾向

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convey [kən'vei]

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vt. 传达,表达,运输,转移
vt.

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operate ['ɔpəreit]

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v. 操作,运转,经营,动手术

 
communication [kə.mju:ni'keiʃn]

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n. 沟通,交流,通讯,传达,通信

 
instruction [in'strʌkʃən]

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n. 说明,须知,指令,教学

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glance [glɑ:ns]

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v. 一瞥,扫视,匆匆一看,反光,闪烁,掠过

 


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