I write a lot about personal finance. I hear a lot about how different employers are handling the current economic crunch and, lately, what I've been hearing makes me pretty uncomfortable about working for a long list of companies. Some employers are slashing benefits — effectively cutting their employees' salaries while inflation reduces their buying power.我寫了一些個(gè)人理財(cái)方面的文章,聽到很多關(guān)于雇主是如何處理當(dāng)前資金困難的事情。
I want to suggest entrepreneurship as an alternative, but I realize that it isn't a great option for everyone. I've been putting together a list of pros and cons in an effort to decide whether starting up a business is really a good idea for some people, especially in the middle of ongoing financial problems. I've tried to stick to financial and business issues while it's nice that many small business owners can spend more time with their families, I don't think that's the biggest issue for many folks considering entrepreneurship right now.我想建議把做企業(yè)主當(dāng)做一個(gè)選擇,不過,我知道這不是所有人的最佳選擇。我已經(jīng)列出利與弊的清單,盡力確定做生意對某些人來說是否真是個(gè)好主意,特別是在金融問題繼續(xù)發(fā)展之時(shí)。
我一直堅(jiān)持研究金融和商業(yè)問題,既然那些小生意人能有更多的時(shí)間和家人共度,我認(rèn)為對許多人來說馬上考慮做企業(yè)主不是最大的問題。The Pros 利1. If your employer is letting you go, offering early retirement or using another euphemism for firing you, it may be hard to find another job immediately. Being in business for yourself allows you to immediately start working on making money, rather than proofreading your resume.1. 如果雇主正要解雇你,提出讓你提前退休,或用其它委婉的說法解雇你,你可能很難馬上找到其它工作。
自己做生意能讓你立即開始工作賺錢,而不必一遍遍地給人看簡歷。2. Without the middleman (a.k.a. your employer) you can charge significantly more for your services — along the lines of what your employer was charging for your work.2. 沒有了中間人(也稱為雇主)你可以從自己的服務(wù)中獲取更可觀的效益——包括雇主從你的工作中獲取的利潤。
3. You don't have to go whole hog into running your own business. You can try out your business on a part-time, evenings and weekends, basis while still working your current job.3. 你不必須一心撲在自己的生意上,可以花部分時(shí)間,晚上或者周末試著做做生意,而主要精力還放在當(dāng)前的工作上。4. It can be easier to pick up overtime if you no longer have to get your manager to sign off on it. If you run your own business, overtime is a matter of finding another client or customer.4. 如果加班不必非要經(jīng)理簽字了,就能更容易得到加班費(fèi)。
如果自己做生意,加班是尋找新客戶和聯(lián)系老主顧的重要環(huán)節(jié)。5. The cost of working at home is much lower than for your employer: you don't have to pay to commute, you can eat inexpensively in your own kitchen and you only have to meet a dress code when you'll actually be seeing a client. And, while this isn't particularly noble, you can avoid the constant birthday parties, baby showers and other office events that constantly drain your time and your wallet.5. 在家工作比為雇主工作費(fèi)用低得多:你不必付交通費(fèi),還可以花很少的錢在家做飯吃,而且只有當(dāng)你確實(shí)要去見客戶的時(shí)候,才需要穿正裝。
即使這些都不特別重要,你還能逃避接連不斷的生日宴會、新生兒喜宴,以及其它不斷消耗你的時(shí)間和金錢的辦公室活動。6. Just about all of the expenses associated with your business are tax deductible. Running your own business can make your tax burden significantly lower — and a surprising number of things are considered business expenses, like conference registrations.6. 和你的生意有關(guān)系的一切費(fèi)用就只是扣除營業(yè)稅了。
經(jīng)營自己的生意能讓你的稅務(wù)負(fù)擔(dān)大大降低——像會議注冊這樣被視為業(yè)務(wù)費(fèi)用的事情多得驚人。The Cons 弊端1. While getting health insurance without an employer providing it isn't impossible, it can be pretty difficult — especially if you actually need. Pre-existing conditions can make it absolutely impossible to get health insurance on your own.1. 然而,雖然沒有雇主為你投保,也不是絕對上不了醫(yī)保,但可能會非常困難——尤其是已經(jīng)患病的人,根據(jù)預(yù)定的參保條件,要想靠自己得到健康保險(xiǎn)是完全不可能的。
2. With a job, if you aren't quite on the ball one week, you still get paid. But if you fumble on your own business, you can wind up losing money. Even if you have a contract, sometimes things can go very wrong. An employer absorbs those problems, but can you do that if you're on your 。