Lesson 48 Planning a share portfolio规划股份投资状语从句 并列句

There is no shortage of tipsters around offering 'get-rich-quick' opportunities.

 there is a shortage of … ^缺乏…

• There is a shortage of food in the refugee camps.
• There is a shortage of nurses and doctors in this area.
• There is an acute shortage of clean drinking water in the affected area. ^{受灾地区严重缺乏清洁饮用水。}
• The company is experiencing a shortage of skilled labor. ^{该公司正经历熟练劳动力不足的问题。}
• Despite the rain, there is still a shortage of water in the reservoirs. ^{尽管下了雨，水库里仍然缺水。}

There is no shortage of … = there are plenty of … ^有的是…

• There was no shortage of helpers.
• There is no shortage of things to do in the town.
• New York is the ideal place for such an interesting study, because there is no shortage of tall buildings.There are plenty of high-rise windowsills to fall from!

tipster ^{n. someone who sells information about which horse is likely to win a race or which products or companies people should invest in 情报贩子;爆料人，内幕消息提供者}

• The financial journalist relies on anonymous tipsters for market information. ^{这位财经记者依靠匿名的爆料人获取市场信息。}
• Be wary of self-proclaimed tipsters who charge high fees for their advice. ^{要警惕那些自称爆料人，并对他们的建议收取高额费用的人。}
• A reliable tipster helped the police solve the case quickly. ^{一位可靠的内幕消息提供者帮助警方迅速破案。}

get-rich-quick ^{adj. enabling you to make a lot of money in a short time 迅速致富的}

• a get-rich-quick scheme
• She despised the get-rich-quick mentality of the 1980s.
• Avoid get-rich-quick schemes that promise unrealistic returns. ^{避免那些承诺不切实际回报的快速致富计划。}

But if you are a serious private investor, leave the Las Vegas mentality to those with money to fritter.

mentality ^{n. a particular attitude or way of thinking, especially one that you think is wrong or stupid 某种（错误的）心态或思维方式}

• a get-rich-quick mentality
• I can't understand the mentality of the people who are behind this kind of violence.
• You need to adopt a different mentality if you want to succeed in this field. ^{如果你想在这个领域成功，你需要采取不同的心态。}

fritter ^{v. to waste time, money, or effort on sth. small or unimportant 浪费（时间、金钱）;挥霍；将其消磨在…上}

• He frittered away a fortune on fast cars and gambling.
• Don't fritter away your precious time on trivial things. ^{不要把宝贵的时间浪费在琐碎的事情上。}
• He frittered away a huge fortune on gambling and expensive cars. ^{他把巨额家产都挥霍在赌博和名车上了。}

leave sth. to sb. ^{把某事留给某人处理/归某人}

• Please leave the cooking to me tonight; I feel like preparing a feast. ^{今晚请把做饭的事留给我；我想准备一顿大餐。}
• The complex decision should be left to the experts. ^{这个复杂的决定应该留给专家们去处理。}
• She decided to leave the matter to her lawyer for further action. ^{她决定把这件事留给她的律师作进一步处理。}

The serious investor needs a proper 'portfolio' -- a well-planned selection of investments, with a definite structure and a clear aim.

selection ^{n. 1. [U] the process of choosing sb./sth. carefully from a group of people or things 选择}

• selection criteria
• the selection of a football team

selection ^{n. 2. [C] number of selected items or people 挑选出的事项或人}

• selections from 18th century English poetry
• a selection of milk and plain chocolates

But exactly how does a newcomer to the stock market go about achieving that?

newcomer ^{n. someone who has only recently arrived somewhere or only recently started a particular activity 新来者，新手}

• a special award for the most promising newcomer

go about (doing) sth. ^{1. to start to do sth. 开始做某事}

• I want to learn German but I don't know the best way to go about it.
• The leaflet tells you how to go about making a will.
• How should we go about solving this complex ethical problem? ^{我们应该如何着手解决这个复杂的伦理问题？}
• He decided to go about the task in a completely different way. ^{他决定以一种完全不同的方式着手做这项任务。}
• Tell me how you plan to go about implementing the new security measures. ^{告诉我你打算如何着手实施新的安全措施。}

go about sth. ^{2. to do sth. in the way that you usually do 做自己常做的事;照常工作；继续做自己的事；各行其是}

• The villagers were going about their business as usual.
• We enjoy staring at them entranced as they go about their business, unaware (we hope) of our presence.
• Despite the loud protest outside, most people in the office just went about their business. ^{尽管外面抗议声震天，办公室里的大多数人还是照常忙自己的事。}

Well, if you go to five reputable stock brokers and ask them what you should do with your money, you're likely to get five different answers, -- even if you give all the relevant information about your age, family, finances and what you want from your investments.

reputable ^{adj. that people consider to be honest and to provide a good service 声誉好的(有名望的)，值得信赖的 = reliable}

• Always choose a reputable company when making a large purchase. ^{进行大额采购时，务必选择一家声誉好的公司。}
• She studied at a highly reputable university in London. ^{她在伦敦一所声誉极高的大学学习。}
• To maintain a reputable business, honesty is crucial. ^{要维持一家有声望的企业，诚信至关重要。}

disreputable ^{adj. considered to be dishonest, bad, illegal etc. 名声差的，品行不端的}

• disreputable behavior
• a disreputable neighbourhood
• He was warned against associating with such disreputable characters. ^{他受到警告，不要与那些声名狼藉的人混在一起。}

broker ^{n. a person who buys and sells things, for example, shares in a business, for other people 经纪人，中间人，掮客}

• A stock broker can execute trades on your behalf and provide investment advice. ^{股票经纪人可以代表你进行交易并提供投资建议。}
• The real estate broker helped the couple navigate the complex legal paperwork for their new home. ^{房地产经纪人帮助这对夫妇处理了购买新房时复杂的法律文件。}
• Using an insurance broker allows you to compare policies from multiple companies at once. ^{通过保险经纪人，你可以一次性比较多家公司的保单。}
• The diplomat helped to broker a peace treaty between the two nations. ^{这位外交官协助斡旋了两国之间的和平条约。}
• He consulted a professional stock broker before making his first investment. ^{他在进行首次投资前咨询了一位专业的股票经纪人。}
• A good stock broker provides advice on buying and selling shares. ^{一位好的股票经纪人提供关于买卖股票的建议。}
• The firm employs several licensed stock brokers to manage client portfolios. ^{该公司雇佣了几位持牌股票经纪人来管理客户的投资组合。}

finances ^{n. [pl.] the money that an organization or person has, and the way that they manage it 经济状况}

• concerns about the company's finances
• She refused to answer questions about her personal finances. 

Moral? There is no one 'right' way to structure a portfolio.

Moral ^{寓意，教训}

• The Moral of the story is that honesty is the best policy. ^{这个故事的寓意是诚实是最好的策略。}
• The recent economic crisis offers a clear Moral about the risks of over-borrowing. ^{最近的经济危机为过度借贷的风险提供了一个明确的教训。}
• The film explores various ethical questions, but its final Moral is ambiguous. ^{这部电影探讨了各种伦理问题，但它最终的寓意是模糊的。}

structure ^{v.to arrange the different parts of sth. into a pattern or system in which each part is connected to the others 组织，计划 = organize}

• The exhibition is structured around three topics.
• software that helps users structure their work and their data
• It takes skill to properly structure a portfolio for maximum diversification. ^{适当地构建投资组合以实现最大化分散投资需要技巧。}
• Before you invest, you need to decide how to structure a portfolio based on your risk tolerance. ^{在你投资之前，你需要根据你的风险承受能力来决定如何构建投资组合。}
• His financial adviser helped him structure a portfolio that met his long-term goals. ^{他的财务顾问帮助他构建了一个满足他长期目标的投资组合。}

However, there are undoubtedly some wrong ways, and you can be sure that none of our five advisers would have suggested sinking all (or perhaps any) of your money into Periwigs.

undoubtedly ^{adv. 毫无疑问}

• That is undoubtedly true.
• Undoubtedly, public interest in folk music has declined.
• She is undoubtedly the best candidate for the position. ^{她毫无疑问是这个职位的最佳人选。}
• This painting is undoubtedly a masterpiece of the Renaissance period. ^{这幅画确凿地是文艺复兴时期的一件杰作。}
• The evidence shows undoubtedly that the defendant is guilty. ^{证据毫无疑问地表明被告是有罪的。}

adviser ^{n. a person who gives advice, esp. sb. who knows a lot about a particular subject 顾问}

• a financial adviser 
• a special adviser to the President on foreign affairs

would ^表推测

• It's no use talking to Henry ― he wouldn't understand. ^推测现在
• Where would he have hidden the keys? ^推测过去

suggest doing sth. ^{建议做某事}

• Joan suggested asking her father for his opinion.

sink ^{v. to spend a lot of money on sth. 花大笔钱(打水漂的钱)}

• They sank their entire savings into their house.
• Many investors made the mistake of sinking all their money into volatile tech stocks. ^{许多投资者犯了把所有钱投入波动性科技股的错误。}
• He regretted sinking so much money into the failing startup. ^{他后悔把这么多钱投入到这家失败的初创公司。}
• Be cautious about sinking your money into projects with unproven business models. ^{对于把钱投入商业模式未经证实的项目的行为要保持谨慎。}

periwig ^{n. a type of white wig with curls that people wore in the past 长假发}

• 'Periwigs' is the name of a fictitious company.

fictitious ^{adj. invented by sb rather than true 虚构的}

• All the places and characters in my novel are fictitious.
• The account he gives of his childhood is fictitious.

So what should you do? We'll assume that you have sorted out the basics -- like mortgages, pensions, insurance and access to sufficient cash reserves. 

sort out ^{v. 1. to find an answer to a problem or mystery 弄清楚，搞明白}

• Investigators are still trying to sort out why the accident happened.
• Before starting a business, you must have sorted out the basics of financing and legal structure. ^{在创业之前，你必须理清融资和法律结构的基本事项。}
• Once we have sorted out the basics of the schedule, we can move on to the details. ^{一旦我们把日程的基本事项理清了，我们就可以继续讨论细节了。}
• It took a few days for the new employee to get sorted out the basics of the company's internal system. ^{这位新员工花了好几天才把公司内部系统的基本事项弄清楚。}

sort out ^{v. 2. to arrange or organize sth. that is mixed up or untidy, so that it is ready to be used 将…分类整理好}

• We need to sort out our camping gear before we go away.

sort out ^{v. 3. to separate one type of thing from another 从…中挑出来}

• I've sorted out the papers that can be thrown away.
• At least sorting out the things she should have discarded years ago was now being made easier for her.

basics ^{n. [pl.] the most important and necessary facts about sth., from which other possibilities and ideas may develop 基础知识， 基本原理 ， 基本原则}

• the basics of computer programming
• This range of books for young children covers basics like the alphabet and numbers
• To learn a new language, you must first master the basics of grammar. ^{学习一门新语言，你必须先掌握语法的基本要点。}

access ^{n. 1.（使用某物或接近某人的）机会或权利 (have access to …)}

• Students must have access to a good library.
• Only high officials have access to the president.

access ^{n. 2.（接近或进入某地的）方法，通道 (access to …)}

• The only access to the farmhouse is across the fields.
• Students are given access to the university library resources. ^{学生被赋予获得大学图书馆资源的途径。}

reserve ^{n. [C usu. pl.] a supply of sth. kept to be used if it is needed 储备}

• $10 million in cash reserves
• dwindling oil reserves
• It is prudent to maintain sufficient cash reserves for emergencies. ^{保持足够的现金储备以应对紧急情况是谨慎的做法。}

You should then establish your own individual aims.

establish one’s own aims ^{确立某人的目标}

• One should establish his own aims in early years if he means to make achievements in his life. 
• The company decided to establish clear aims for the next fiscal year. ^{公司决定为下一个财政年度确立明确的目标。}
• Before starting any project, it is crucial to first establish your aims. ^{在开始任何项目之前，首先确立你的目标至关重要。}
• She took a moment to reflect and establish her personal aims for the coming decade. ^{她花了一些时间反思并确立了她未来十年的个人目标。}

individual aims ^个人目标

• The career coach helped the client define his individual aims and aspirations. ^{职业教练帮助客户确定他的个人目标和抱负。}
• While working as a team, members should not forget their individual aims. ^{在团队合作的同时，成员不应忘记他们的个人目标。}
• Setting realistic individual aims is the first step toward self-improvement. ^{设定切合实际的个人目标是自我提升的第一步。}

These are partly a matter of personal circumstances, partly a matter of psychology.

partly a matter of ^{部分是...的问题}

• His success is partly a matter of luck and partly a matter of hard work. ^{他的成功部分是运气的问题，部分是努力工作的问题。}
• The complexity of the solution is partly a matter of technical constraints and partly a matter of budget limitations. ^{解决方案的复杂性部分是技术限制的问题，部分是预算限制的问题。}
• The public's perception of the issue is partly a matter of media representation and partly a matter of personal experience. ^{公众对这个问题的看法部分是媒体呈现的问题，部分是个人经验的问题。}

a / the matter / question of … ^{…的事儿/问题}

• … it looks very much as if sleeping is not simply a matter of giving the body a rest.
• Education in the wilderness is not a matter of monetary means.
• It is a question of pride as much as anything else.
• … but as soon as the question of prestige arises, …
• If it is not a question of resting the body, then perhaps it is the brain that needs resting?
• Overcoming stage fright is often more a matter of psychology than skill. ^{克服怯场往往更多是一个心理学问题而不是技能问题。}

For instance, if you are older you have less time to recover from any major losses, and you may well wish to boost your pension income.

may / might / could well … ^{used to say that sth. is likely to happen or is likely to be true （某事） 可能（发生或是真的）}

• Over the years one may well become an authority on one's hobby and will very probably be  asked to give informal talks to little gatherings and then, if successful, to larger audiences.
• Apart from moral considerations this is a stupid method of training, for it produces a resentful animal who at a later stage may well turn man-killer.
• … and the railway of the future may well be the 'hovertrain', …
• Indeed, it may well be that those whose work is their pleasure are those who most need the means of banishing it at intervals from their minds.
• Another patient might equally well complain that her neighbours were combining to slander her and persecute her, and yet one might be cautious about believing this statement.
• Given the traffic, you may well wish to leave earlier than planned. ^{考虑到交通状况，你很可能希望比计划更早离开。}

wish to do sth. (fml.) = want to do sth. = like to do sth.^{（正式/委婉）想要做某事}

• This is the point I wish to emphasize.
• I wish to speak to the manager, please. ^{我想和经理谈谈。（多用于正式商务、法律或服务场景）}

boost ^{v. to increase or improve sth. and make it more successful 增加，提高，促进}

• The new resort area has boosted tourism.
• The government introduced policies to boost the local economy. ^{政府出台了政策来促进当地经济。}

recover from ^{从...中恢复}

• It took him a long time to recover from the severe flu. ^{他花了很长时间才从重感冒中恢复过来。}
• The company is slowly recovering from the financial downturn. ^{这家公司正在缓慢地从经济衰退中恢复过来。}
• The patient is expected to fully recover from the surgery within a week. ^{预计患者将在一周内完全从手术中恢复。}

So preserving your capital and generating extra income are your main priorities.

priority ^{n. [C] sth. important, that must be done first or needs more attention than anything else 优先的事物}

• Health insurance will be our top priority.
• Being a parent is her first priority.
• Finishing the report and preparing the presentation are our main priorities this week. ^{完成报告和准备演示文稿是我们本周的主要优先事项。}

preserving capital ^{保全/保存资本}

• The main goal of conservative investors is preserving capital. ^{保守型投资者的主要目标是保全资本。}
• The foundation is focused on preserving capital while supporting charitable causes. ^{该基金会致力于保全资本，同时支持慈善事业。}
• A low-risk investment strategy is essential for preserving capital in volatile markets. ^{在波动性市场中，低风险投资策略对于保全资本至关重要。}

generating extra income ^{创造额外收入}

• He took on a part-time job for the purpose of generating extra income. ^{他找了一份兼职工作，目的是创造额外收入。}
• Investing in dividend stocks is a way of generating extra income. ^{投资股息股票是一种创造额外收入的方式。}
• The side project proved successful in generating extra income for the team. ^{这个副业项目在为团队创造额外收入方面取得了成功。}

In this case, you'd probably construct a portfolio with some shares (but not high risk ones), along with gilts, cash deposits, and perhaps convertibles or the income shares of split capital investment trusts.

construct ^{v. to form sth. by putting different things together 构建，构成，形成}

• You must learn how to construct a logical argument.
• a well-constructed novel
• The financial analyst advised us on how to construct a portfolio balanced between growth and stability. ^{金融分析师就如何构建一个在增长和稳定之间平衡的投资组合向我们提供了建议。}
• She learned to construct a portfolio by spreading her investments across different sectors. ^{她通过将投资分散到不同行业来学习构建投资组合。}
• To mitigate risk, it is important to construct a portfolio that includes a mix of asset classes. ^{为了减轻风险，构建一个包含混合资产类别的投资组合是很重要的。}

share ^{n. [C] any of the equal parts into which the capital of a business company is divided, giving the holder a right to a portion of the profits 股份}

• People in China are eager to buy shares in new businesses. ^{中国民众热衷于购买新企业的股票。}
• Shares were floated at 585p. ^{股票最初上市价为5英镑85便士。}
• The shares have halved in value. ^{股价已经跌了一半。}

along with ^{used for mentioning additional people or things that are also included or involved in sth. 还有…；和…一起}

• Ramos was arrested along with eleven other men.
• Dunne was murdered, along with three guards.
• A little later, a man came along with a biscuit which occupied the whole boot of his car.
• The prize included a trophy along with a significant monetary award. ^{奖品包括一座奖杯以及一笔可观的奖金。}
• She attended the conference along with her colleagues from the research department. ^{她和她的研究部门的同事一起参加了会议。}
• The package contained the product along with a detailed instruction manual. ^{包裹里有产品以及一份详细的说明书。}

gilt ^{n. [C] a stock or share that is gilt-edged 金边证券(英国国债)}

gilt-edged stocks or shares do not give you much interest (=additional money) but are considered very safe as they are sold mainly by governments

• A failed gilt auction, in particular, could send sterling tumbling. ^{特别是镀金拍卖失败，很可能导致英镑贬值。}
• Mr Islam reckons overseas investors have been buying around 30% of recent gilt issuance. ^{Islam认为海外投资者购买了大约30%的金边债券。}
• The British inflation-linked gilt that is due to mature in 2016 trades on a negative real yield. ^{英国2016年到期的通胀挂钩金边债券的实际收益率也是负值。}
• Investors often buy gilts for their low risk and stable income. ^{投资者通常购买金边债券，因为它们的低风险和稳定收入。}

deposit ^{n. an amount of money that is paid into a bank account 存款}

• I'd like to make a deposit into my savings account.
• We have $500. Will it be enough for a deposit? ^{我们有500元。够不够作押金？}
• Every act of honesty is a deposit into your personal bank account and will build strength. ^{诚实的行为像一笔储蓄金，会存入你的个人银行账户并建立你的诚信度。}
• He kept a large portion of his savings in secure cash deposits. ^{他把大部分储蓄放在安全的现金存款中。}

trust ^{n. an organization that manages money or property so that it can help other people or organizations 信托公司}

• Housing trusts help to provide houses for people who are not well off.
• He had set up two charitable trusts.  ^{他已经成立了两家慈善信托机构。}
• The money will be placed in a trust fund for her daughter. ^{这笔钱将投入到为她女儿设立的信托基金里。}

Bull markets are born on pessimism, grow on skepticism, mature on optimism, and die on euphoria. -（Sir John Templeton）

If you are younger, and in a solid financial position, you may decide to take an aggressive approach -- but only if you're blessed with a sanguine disposition and won't suffer sleepless nights over share prices.

solid ^{adj. financially sound 殷实的}

• However, if your company is on solid financial ground, it may be safe to do so. ^{如果你的公司有雄厚的财政基础，那提出加薪也是很安全的。}
• Its sovereign wealth funds can buy shares in solid European non-financial and financial companies. ^{中国主权财富基金可以购买欧洲财务稳健的非金融及金融企业的股票。}
• He was determined to give his family a secure and solid base. ^{他决心为他的家庭打下一个坚实牢固的基础。}

position ^{n. the situation that someone is in, esp. when this affects what they can and cannot do 地位，处境，状况}

• This may be illustrated by comparing the position of a nation with that of a private business enterprise.
• She’s in the enviable position of being able to choose who she works with.
• When two of your best friends argue it puts you in a very awkward position.
• Future historians will be in a unique position when they come to record the history of our own times.
• The company is in a solid financial position, reporting high profits this quarter. ^{该公司财务状况稳固，本季度报告高额利润。}
• Before investing, make sure you are in a solid financial position with no outstanding debts. ^{在投资之前，确保你的财务状况稳固，没有未偿债务。}
• Even after purchasing the new equipment, the business remained in a solid financial position. ^{即使在购买了新设备之后，该企业的财务状况仍然保持稳固。}

approach ^{n. a method of doing something or dealing with a problem 方式，方法，手段}

• This book takes an unorthodox approach to art criticism.
• He decided to adopt a different approach and teach the Bible through story-telling.
• The marketing team decided to take an aggressive approach to capturing the new market segment. ^{营销团队决定采取激进策略来抢占新的细分市场。}
• Taking an aggressive approach to investment usually involves high risk for potentially high reward. ^{对投资采取激进的方法通常涉及高风险以获取潜在的高回报。}
• The coach advised the team to take a more aggressive approach in the second half of the game. ^{教练建议球队在下半场采取更激进的策略。}

be blessed with sth. / sb. ^{be fortunate in having sth. / sb. 幸运地拥有（带有“上天眷顾”的感激色彩）}

• He is blessed with excellent health.
• We're blessed with five lovely children. 
• She is blessed with both beauty and brains. ^{她很幸运，才貌双全。}
• She is blessed with natural intelligence and great patience. ^{她有幸拥有天生的智慧和极大的耐心。}

sanguine ^{adj. happy and hopeful about the future = optimistic 乐观的}

• She was her usual sanguine self.
• Josh was less sanguine about the situation in the eastern region of the country.

disposition ^{n. [C, usually sing.] the natural qualities of a person’s character 性情，性格}

• to have a cheerful disposition
• people of a nervous disposition
• His sanguine disposition helped him remain positive even during difficult times. ^{他乐观开朗的性格帮助他在困难时期保持积极。}

suffer ^{v. experience or undergo sth. unpleasant  经历或遭受不愉快之事}

• We suffered huge losses in the financial crisis.
• Company reputation might suffer. ^{公司声誉可能受损。}
• Do you suffer from constipation? ^{你便秘吗？}

over ^{prep. because of or concerning sth. 因为，关于}

• an argument over money
• a disagreement over the best way to proceed
• The project manager would often suffer sleepless nights over tight deadlines. ^{项目经理经常因为紧迫的截止日期而夜不能寐。}

If you recognize yourself in this description, you might include a couple of heady growth stocks in your portfolio, alongside your more pedestrian investments.

might ^{modal v. used to suggest politely what someone should do (建议)或许...;不妨...}

•  It might be a good idea to put those plants in the shade.
• If you need more information, you might try the Internet.

a couple of … ^{a small number of things 几个，两三个}

• I left the bag in the hall and Robert and I went into the living-room where we talked for a couple of hours.
• I saw a couple of men get out. ^{我看见有两个男人出去了。}
• We went there a couple of years ago. ^{我们几年前去过那里。}
• Please give me a couple of days to review the documents thoroughly. ^{请给我两三天时间来彻底审查文件。}

heady ^{adj. swift and violent 迅猛的}

• a heady growth
• a heady current
• Investing in heady growth stocks carries high volatility but the promise of substantial returns. ^{投资高增长型股票具有高波动性，但有可观回报的承诺。}
• He shifted a portion of his assets into heady growth stocks, aiming for quick capital appreciation. ^{他将部分资产转移到高增长型股票中，目标是快速资本增值。}
• Experienced traders are always on the lookout for the next big heady growth stocks. ^{经验丰富的交易员总是在寻找下一个大的高增长型股票。}

alongside ^{prep. 1. next to or at the side of sth. 在…旁边}

• A police car pulled up alongside us.
• Seeing a cake flying through the air, a lorry-driver who was drawing up alongside the car, pulled up all of a sudden.

alongside ^{prep. 2. together with or at the same time as sth./sb. 与…在一起；与…同时}

• Charles spent a week working alongside the miners.
• Traditional beliefs still flourish alongside a modern urban lifestyle.
• The new software works seamlessly alongside the existing database system. ^{新软件与现有数据库系统无缝协同工作。}

Once you have decided on your investment aims, you can then decide where to put your money.

decided on / upon ...  ^{to choose sth. or sb. after thinking carefully 决定了，选定了(考虑之后选择)}

•  Have you decided on a date for the wedding?
• After seeing all the candidates we've decided on this one.
• They finally decided on the color scheme for the new living room. ^{他们最终决定了新客厅的配色方案。}
• Have you decided on the venue for the company's annual party yet? ^{你决定好公司年会的场地了吗？}
• After much deliberation, the committee decided on the proposal with the lowest environmental impact. ^{经过深思熟虑，委员会决定了环境影响最低的提案。}

put ^{v. invest 投资}

• put her money in / into the company
• Where do you think is the safest place to put your money during an economic recession? ^{你认为在经济衰退期间，投入你的资金最安全的地方是哪里？}
• She decided to put her money into real estate rather than the volatile stock market. ^{她决定把资金投入房地产而不是波动的股票市场。}
• Financial advisors often recommend not to put all your money in one type of asset. ^{财务顾问经常建议不要把所有的钱投入一种资产。}

The golden rule here is (to) spread your risk -- if you put all of your money into Periwigs International, you're setting yourself up as a hostage to fortune.

golden rule ^{very important principle which should be followed when performing a particular task 重要的原则，金科玉律}

• The golden rule in playing tennis is to watch the ball closely.
• The golden rule of programming is to keep the code simple and clean. ^{编程的金科玉律是保持代码简洁明了。}
• In customer service, the golden rule is always to listen to the client's needs. ^{在客户服务中，基本原则是始终倾听客户的需求。}
• Treat others as you would like to be treated yourself; that is the golden rule. ^{待人如待己；这就是金科玉律。}

spread ^{v. if you spread a risk, you invest in several different things so that if one fails you do not lose everything 分散（风险）}

• Smith spread his financial risk by investing in a wide range of businesses.
• The best way to spread your risk is by diversifying your investments across different markets. ^{分散风险的最佳方式是将你的投资分散到不同的市场。}
• To spread your risk, don't rely solely on one client for your business revenue. ^{为了分散风险，不要仅仅依赖一个客户来获取你的业务收入。}
• Financial planners always advise clients to spread your risk across various asset classes. ^{财务规划师总是建议客户将风险分散到各种资产类别。}

set oneself up as sb. ^{regard oneself as or claim to be the specified type of person 将自己当做或称为某种人;受制于某事；为某事所累}

• He likes to set himself up as an intellectual.
• politicians who set themselves up as moral authorities
• By betting all his savings on one horse, he was setting himself up as a hostage to fortune. ^{通过把所有的积蓄都赌在一匹马上，他使自己成为了命运的玩物。}

hostage to sth. ^{If you say you are a hostage to sth., you mean that your freedom to take action is restricted by things that you cannot control 受制于…的人}

• With the reduction in foreign investments, the government will be even more a hostage to the whims of the international oil price.
• The government's economic policy is being held hostage to rising oil prices. ^{政府的经济政策正受到油价上涨的掣肘。}

笔记历程

• 2023年 4 月 23 日：开始为正在读小学三年级的娃学习英语而记录笔记。
• 2023年 7 月：完成了《新概念第一册》的笔记内容。
• 2024年 7 月：完成了《新概念第二册》的笔记内容。
• 2024年 12 月：完成了《新概念第三册》的笔记内容。
• 2025年 5 月之前：重新梳理并整理了第 1~3 册的笔记。
• 2025年 9月~2026 年 4 月 21 日： 完成了《新概念英语第四册》的笔记内容，耗时 3 年约 200 多万字的全套《新概念》笔记完成了。

By Kowk (于2026年4月21日上午11点)