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You know the smartest things to do with your money. But what are the worst moves? What should you avoid? 自己的钱该怎么打理才最明智，对此你一定心知肚明。但是你知道最糟糕的做法是什么吗？哪些是你应该避免的呢？ Weirdly enough, they are things that a surprising number of people are still doing─even though they probably know, in their heart of hearts, how foolish they really are. 奇怪的是，那些应该避免的事情却有很多人仍然在做，而且人数之多让人瞠目──尽管这些人在内心深处可能很清楚自己的做法实际上有多愚蠢。 Any list is going to be incomplete. But here are five to avoid. 想把这些蠢事一个不落地全列出来恐怕不可能。不过我们可以试着列出其中的五件。 1. Reaching for yield 1. 追求高收益率 What this country needs is a good 5% certificate of deposit. Instead the collapse in interest rates, and the Federal Reserve's policy of keeping them down for as long as possible, is driving people crazy─especially people who need to generate income from their investments. 美国这个国家需要的是收益率能够达到5%的定期存单。然而，这里有的只是利率的一降再降，以及联邦储备委员会(Federal Reserve)尽量将利率维持在低位的政策，这样的现状逼得人们愈加疯狂──对于那些需要从投资中获取收益的人而言尤其如此。 | 
