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1、GMAT考试写作指导:Issue写作范文八十更多英语考试-GMAT考试-请点击这里获得80. Whetheranindividualsavestoolittleorborrowstoomuchdependsonthepurposeandextentofeitheractivity.Whileappropriateandprudentinsomecircumstances,eithercanbeirresponsibleinexcess.Theevidencesuggeststhat,onbalance,peopletodaytendtobor
2、rowirresponsiblyandareonthebrinkofsavingirresponsiblyaswell. Traditionally,savingisviewedasavirtue,whileborrowingisconsideredavice.However,justtheoppositemaybetrueundercertaincircumstances.Foregoingsavinginfavorofimmediatespendingmayattimesbewelljustified.Aserioushobbyist,fo
3、rexample,maybejustifiedinforegoingsavingtospendmoneyonahobbythatprovidesgreatjoyandfulfillment—whetherornotitalsogeneratesincome.Arelativelyexpensiveautomobileisjustifiableiftheadditionalexpenseprovidesaddedsafetyfortheownerandhisfamily.Andforegoingsavingisappropriate,andoftennece
4、ssary,for"rainyday"medicalemergenciesorunanticipatedperiodsofunemployment.Borrowingcanalsobeprudent—iftheloanisaffordableandappliedtowardasoundlong-terminvestment. Weresavingandborrowinglimitedtothesetypesofscenarios,Iwouldaverthatpeopletodaysaveandborrowresponsibly.However,th
5、eevidencesuggestsotherwise.Americansnowpurchaseoncreditfarmoreexpensiveautomobiles,relativetoincome,thaneverbefore—vehiclesthatarefarmorethanwhatisneededforsafetransportation.Excessivecredit-carddebt,anothertypeofunjustifiableborrowing,isatrecordlevels—andrising—amongAmericanhouse
6、holds.Doesthebaby-boomers'currentpenchantforretirementinvestingcompensatefortheseexcesses?Probablynot.Thistrendisfueledbyunrealisticexpectationsoffuturereturns;itmaytherefore,escalatetospeculationand,atitsheight,widespreadleveraging—i.e.,borrowing.Suchspeculationismoresuitedtohigh
7、lysophisticatedinvestorswhocanwellaffordtolosetheirentireinvestmentthantoaverageAmericansandtheirnesteggs. Inconclusion,whilepeopleseemtobesavingaggressivelytoday,theirinvestmentchoicesandconcomitanthighspendingandborrowinglevelscallintoquestiontheassertionthatweareindeeda"nat
8、ionofsavers."本文章由吃喝玩乐网http://www.