Warren Buffett says this is how you stay financially healthy in the pandemic

沃伦·巴菲特说，这是你在大流行期间保持财务健康的方法

Warren Buffett isn't letting the pandemic get in his way.

沃伦·巴菲特(Warren Buffett)不会让疫情阻碍他的前进。

The 90-year-old investing legend has gotten both his COVID shots, and so has his longtime business partner, Charlie Munger, according to a report by Bloomberg.

据彭博社(Bloomberg)报道，这位90岁的投资传奇人物和他的长期商业伙伴查理·芒格(Charlie Munger)都接种了新冠肺炎疫苗。

Though Buffett wasn't able to immunize his company from the coronavirus economy, Berkshire Hathaway Inc. has been making a strong recovery. Profits were down 48% last year at the massive conglomerate, but earnings during the final quarter of 2020 jumped 23% from a year earlier.

尽管巴菲特未能让他的公司免受冠状病毒经济的影响，但伯克希尔哈撒韦公司(Berkshire Hathaway Inc.)一直在强劲复苏。这家大型企业集团去年的利润下降了48%，但2020年最后一个季度的利润同比增长了23%。

So, all in all, the billionaire businessman would seem to be weathering the crisis just fine. You can, too — if you follow his lead.

因此，总而言之，这位亿万富翁商人似乎安然度过了这场危机。你也可以，如果你跟随他的领导。

Here are six lessons from Buffett on how to protect your money as the pandemic hangs on.1. Pounce on low interest rates

以下是巴菲特给你的六条建议，教你如何在疫情持续之际保护好你的钱。抓住低利率，

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1599686 sv /伤风

With interest rates falling, Buffett says it's a great time to borrow.

随着利率的下降，巴菲特说现在是借款的好时机。

Buffett became one of the richest people on Earth by taking advantage of opportunities. In the last year he has been pointing out fantastic opportunities for borrowers, thanks to the Federal Reserve's response to the COVID crisis.

巴菲特抓住机遇，成为了世界上最富有的人之一。去年，他一直在指出，由于美联储对新冠病毒危机的应对，借贷者有极好的机会。

The Fed "did the right thing" by cutting a key interest rate almost to zero in response to the virus, Buffett says. The central bank continues to hold rates down, and that's helped keep other borrowing rates low.

巴菲特表示，美联储“做了正确的事”，将关键利率几乎降至零，以应对病毒。中央银行继续保持低利率，这帮助其他借贷利率保持在低水平。

"This is a very good time to borrow money, which means it may not be such a great time to lend money, but it’s good for the country that it’s a good time to borrow money," he said during Berkshire Hathaway's online shareholders meeting last May.

去年5月，他在伯克希尔哈撒韦公司(Berkshire Hathaway)的在线股东大会上表示:“现在是借钱的好时机，这意味着现在可能不是借钱的好时机，但这对国家是有好处的。”

How you can be like Buffett: If you're a homebuyer or homeowner and have a solid credit score, grab one of today's historically low mortgage rates while you can.

如何才能像巴菲特一样:如果你是一个购房者或房主，并且有一个可靠的信用评分，在你可以的时候抓住一个目前历史上最低的抵押贷款利率。

Though rates have been rising in recent weeks, you can find new and refinance mortgages at 3% or lower — if you shop around and compare mortgage offers from multiple lenders.2. Keep your guard up

虽然最近几周利率一直在上升，但如果你货比三家，比较多家贷款机构提供的抵押贷款，你会发现新的和再融资抵押贷款利率为3%或更低。保持警惕，

Sergey Nivens / Shutterstock

Sergey Nivens / Shutterstock

Buffett said a 'megacatastrophe' was coming.

巴菲特说，一场“巨大的灾难”即将来临。

They don't call Nebraska native Buffett the Oracle of Omaha for nothing. The multibillionaire told an interviewer in March of last year: "I've always felt a pandemic would happen sometime."

人们称内布拉斯加州的巴菲特为“奥马哈先知”，并不是没有原因的。去年3月，这位亿万富翁在接受采访时表示:“我一直觉得某天会发生一场大流行。”

In 2019, he warned his Berkshire shareholders in a letter that the world was due for a "megacatastrophe," some kind of "total surprise" that would dwarf the devastation from hurricanes Katrina and Michael.

2019年，他在一封信中警告伯克希尔哈撒韦公司的股东，世界将面临一场“巨大灾难”，某种“完全的意外”，将使卡特里娜飓风和迈克尔飓风造成的破坏相形见绌。

Buffett wrote that the monster disaster would lead to massive losses for his company, which is big in insurance (it owns Geico and other carriers) — but Berkshire would be ready for business the next day, he said.

巴菲特写道，这场巨大的灾难将给他的公司带来巨大的损失，他的公司在保险行业规模很大(它拥有Geico和其他运营商)，但他说，伯克希尔将在第二天就准备好运营。

How you can be like Buffett: You, too, can be ready for whatever comes — by buying life insurance, to provide financial protection for your loved ones. Sales of policies for family breadwinners have spiked during the pandemic.

如何才能像巴菲特一样:你也可以为任何可能发生的事情做好准备——购买人寿保险，为你所爱的人提供财务保护。在大流行期间，为养家糊口的家庭提供的保单销量大幅上升。

You can easily go online and find multiple life insurance offers tailored to your family’s needs and costing as little as $1 a day for $1 million in coverage.3. Don't carry credit card balances

3.你可以很容易地在网上找到多种适合你家庭需要的人寿保险，每天只需1美元就能获得100万美元的保险。不要携带信用卡余额

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Krakenimages.com上面

Buffett says if you're carrying credit card debt, get rid of it

巴菲特说，如果你有信用卡债务，那就摆脱它

As the crisis has caused layoffs to skyrocket, some Americans have found themselves forced to pile on more credit card debt.

随着金融危机导致失业人数激增，一些美国人发现自己被迫积累了更多的信用卡债务。

Turning to credit cards because of financial hardship is one thing, but Buffett says some people use plastic as "a piggy bank to be raided."

因为经济困难而求助于信用卡是一回事，但巴菲特说，有些人把信用卡当作“存钱罐来突击检查”。

During the virtual shareholders meeting, he talked about a friend who came into a windfall and asked for advice on what to do with it. She also had credit card debt — at 18% interest.

在那次虚拟的股东大会上，他谈到一个朋友发了一笔横财，并向他征求如何处理这笔钱的建议。她还有信用卡债务，利息为18%。

"If I owed any money at 18%, the first thing I’d do with any money I had would be to pay it off," Buffett said he told her. "You can’t go through life borrowing money at those rates and be better off."

巴菲特说他告诉她:“如果我欠了18%的债，我拿着钱做的第一件事就是把钱还清。”“以这样的利率借钱一辈子，你不可能过得更好。”

How you can be like Buffett: When credit card debt becomes overwhelming, one first step toward getting rid of it is to roll it into a debt consolidation loan.

如何才能像巴菲特一样:当信用卡债务变得难以承受时，摆脱它的第一步是将其并入债务整合贷款。

You'll simplify your bills and slash yout interest costs, to help pay off the debt faster. Instead of 18%, you might find yourself paying as little as 5.95% APR.4. Do your homework with stocks

你会简化你的账单，减少利息成本，帮助更快地还清债务。你可能会发现4月4日只需支付5.95%，而不是18%。你在股票上做功课了吗

Pradpriew / Shutterstock

Pradpriew /伤风

Buffett has gotten out of airline stocks because of COVID-19.

由于COVID-19，巴菲特已经退出了航空股。

The coronavirus has ravaged entire industries, including retail, restaurants and entertainment. Buffett decided the damage to one particular sector was more than he could bear as an investor.

新冠病毒已经摧毁了整个行业，包括零售业、餐饮业和娱乐业。巴菲特认为，一个特定领域的损失超出了他作为投资者所能承受的范围。

"The airline business — and I may be wrong, and I hope I’m wrong — changed in a major way," he told his shareholders. That was how he explained why Berkshire sold off all the airline stocks it owned.

他告诉股东:“航空公司业务发生了重大变化——我可能是错的，我希望我是错的。”这就是他解释为什么伯克希尔出售所有航空公司股票的原因。

Buffett says people have been discouraged from flying, so "the world has changed for the airlines."

巴菲特说，人们不鼓励乘坐飞机，因此“对航空公司来说，世界已经改变了。”

How you can be like Buffett: Investors who do their homework have been rewarded during the pandemic as the stock market has marched to new all-time highs. Today's investing apps can help you make smart choices.

如何才能像巴菲特一样:在疫情期间，当股市飙升至历史新高时，做足功课的投资者得到了回报。今天的投资应用程序可以帮助你做出明智的选择。

One popular app allows you to round up your purchases and invest your spare change, in portfolios that automatically rebalance to the market's ups and downs.5. Stick to your long-term plan

有一款颇受欢迎的应用程序可以让你把购买的东西集中起来，把多余的钱投资在投资组合中，根据市场的涨跌自动重新平衡投资组合。坚持你的长期计划

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事情/伤风

Buffett says stay on target with your financial goals.

巴菲特说，保持你的财务目标。

Warren Buffett says he's confident the U.S. economy will bounce back from the COVID recession.

沃伦·巴菲特表示，他相信美国经济将从COVID - 19衰退中反弹。

"Despite some severe interruptions, our country’s economic progress has been breathtaking," he writes, in his annual letter to shareholders released last weekend. "Our unwavering conclusion: Never bet against America."

他在上周末公布的致股东的年度公开信中写道:“尽管出现了一些严重干扰，但我国经济的发展令人惊叹。”“我们坚定不移的结论是:永远不要赌美国输。”

But Buffett also has said no one knows what's going to happen, so investors should brace themselves for a potentially long recovery. He says they'll get a good result if they hold onto stocks long-term.

但巴菲特也曾表示，没有人知道会发生什么，因此投资者应该做好准备，迎接潜在的长期复苏。他说，如果他们长期持有股票，就会得到好的结果。

How you can be like Buffett: Financial planning services are more affordable and convenient than you might think, and can help you sit tight and stay focused with your investments.

如何才能像巴菲特一样:财务规划服务比你想象的更实惠、更方便，而且可以帮助你按住不动，专注于你的投资。

Today, you can connect with a certified financial planner online and inexpensively, to keep you on track toward your long-term goals6. Demand help if you need it

现在，你可以在网上联系注册理财规划师，而且费用不高，这样就能保持你朝着长期目标前进。如果你需要帮助，就请求帮助，

BUNDITINAY / Shutterstock

BUNDITINAY /伤风

Buffett says the coronavirus has thrust the U.S. into an "economic war," and many small businesses have become casualties. He has urged Congress to provide more help.

巴菲特表示，冠状病毒已将美国推入一场“经济战争”，许多小企业已成为受害者。他敦促国会提供更多帮助。

"We’ve shut down a lot of people in this particular induced recession and others are prospering, and I think the country owes it to the really millions of small businesspeople," Buffett told CNBC in December..

去年12月，巴菲特在接受CNBC采访时表示:“在这次特别的经济衰退中，我们让很多人关门大吉，而其他人却在兴旺发达。我认为，这个国家应该感谢数百万小企业主。”

A COVID-19 rescue package approved in late December included funding for $284 billion in new "paycheck protection" small business loans. President Joe Biden's relief plan that's now before Congress would provide $15 billion in grant money for more than 1 million hard-hit businesses.

去年12月底批准的COVID-19救助方案包括为小型企业提供2840亿美元的新“工资保障”贷款。乔·拜登总统的救助计划目前正提交国会，该计划将为100多万家遭受重创的企业提供150亿美元的拨款。

How you can be like Buffett: If you're a business owner or a family breadwinner in financial distress, look for sources of relief — and take advantage of what's out there.

你如何能像巴菲特一样:如果你是一个企业主或家庭经济困难，寻找救济的来源-并利用现有的。

That means, for example, if you've got federal student loan debt, don't make payments until October, when the government's moratorium is currently scheduled to end. Private loans can be refinanced at today's sharply lower interest rates.

这意味着，例如，如果你有联邦学生贷款债务，在10月份之前不要还款，此时政府的延期还款计划已经到期。私人贷款可以在今天大幅降低的利率下进行再融资。