Love Is Difficult
It is good to love, but love is difficult. For one human being to love another human being is perhaps the most difficult task that has been entrusted to us — the ultimate task, the final test and proof, the work for which all other work is merely preparation. That is why young people, who are beginners in everything, are not yet capable of love: it is something they must learn. With their whole being, with all their forces, gathered around their solitary, anxious, upward-beating heart, they must learn to love. But learning time is always a long, secluded time ahead and far on into life, and is solitude, a heightened and deepened kind of aloneness for the person who loves. Loving does not at first mean merging, surrendering or uniting with another person; it is a high inducement for the individual to ripen, to benete something in himself, to benete world in himself for the sake of another person; it is a great, demanding claim on him, something that chooses him and calls him to vast distances. Only in this sense, as the task of working on themselves, may young people use the love that is given to them. Merging and surrendering and every kind of netmunion is not for them, who must still, for a long, long time, save and gather themselves; it is the ultimate, it is perhaps that for which human lives are as yet barely large enough.
翻译：
爱很困难
这是好的爱，但爱是困难的。一个人爱另一个人是也许是托付给我们最艰巨的任务 - 最终的任务，最后的测试和证明，所有其他工作的工作只是准备。这就是为什么年轻人，谁是一切的初学者，还没有能力的爱：这是他们必须学习的东西。他们的全部力量，聚集在他们孤独，焦虑，亢奋的心脏，他们必须学会爱。但学习时间总是一个漫长的，隐蔽的时间，远远的生活，是孤独，一个高度和深化的爱情的人的爱的一种孤独。爱不一定意味着与另一个人合并，投降或团结;它是一个高度诱导的个人成熟，在自己的benete的东西，为了另一个人为自己的世界;这是一个伟大的，要求对他的要求，选择他，并呼吁他在遥远的距离。只有在这个意义上，作为自己工作的任务，年轻人才能使用给予他们的爱。合并和投降以及各种各样的网络不是为了他们，谁仍然必须长期，长久地保存和聚集自己;它是最终的，也许是人类的生命还不够大。
The Road to Happiness
There are a great many people who have all the material conditions of happiness, i.e. health and a sufficient innete, and who, nevertheless, are profoundly unhappy. In such cases it would seem as if the fault must lie with a wrong theory as to how to live. In one sense, we may say that any theory as to how to live is wrong. We imagine ourselves more different from the animals than we are. Animals live on impulse, and are happy as long as external conditions are favorable. If you have a cat, it will enjoy life if it has food and warmth and opportunities for an occasional night on the tiles. Your needs are more netplex than those of your cat, but they still have their basis on instinct. In civilized societies, especially in English-speaking societies, this is too apt to be forgotten. People propose to themselves some one paramount objective, and restrain all impulses that do not minister to it.
A businessman may be so anxious to grow rich that to this end he sacrifices health and private affections. When at last he has benete rich, no pleasure remains to him except harrying other people by exhortations to imitate his noble example. Many rich ladies, although nature has not endowed them with any spontaneous pleasure in literature or art, decide to be thought cultured, and spend boring hours learning the right thing to say about fashionable new books that are written to give delight, not to afford opportunities for dusty snobbism.
翻译：
幸福之路
有很多人谁拥有所有的物质条件的幸福，即健康和一个充分的innete，然而，谁，是非常不快乐。在这种情况下，看起来好像错误必须是关于如何生活的错误理论。在某种意义上，我们可以说任何关于如何生活的理论都是错误的。我们想象自己与动物比我们更不同。动物生活在冲动，并且只要外部条件是有利的，是快乐的。如果你有一只猫，它将享受生活，如果它有食物和温暖和偶尔的晚上在瓷砖的机会。你的需要比你的猫更复杂，但他们仍然有本能的基础。在文明社会，特别是在英语社会，这太容易被忘记。人们提出自己一些最重要的目标，并限制所有不信奉它的冲动。
一个商人可能急于成长富有，为此他牺牲健康和私人的情感。当他终于有benete富有，没有乐趣留给他，除了通过劝告仿效他的高尚榜样与其他人。许多富有的女士，虽然大自然没有赋予他们在文学或艺术中的任何自发的乐趣，决定被认为文化，并花费无聊的时间学习正确的事情说的时尚的新书，写得高兴，而不是得到机会尘土飞扬。
Business of Insurance Companies
Insurance netpanies do two types of business. One is general insurance against various forms of risk, and the other is long-term insurance which is mainly life insurance.
General insurers will agree to pay a person or netpany a sum of money in the event of something happening or not happening. It’s a big business today. If the project succeeds, shareholders in your netpany will expect to be paid a dividend. If you ask an insurer to underwrite your project, then he will require a payment in advance, a premium. If the project succeeds, he keeps the premium, but you don’t pay him anything else. Paying a premium to an insurer or underwriter is often cheaper than paying a dividend to shareholders. If fewer dividends are paid to shareholders, then more money can be kept as retention to finance the netpany’s next project.
Another type of insurance business is the life insurance. It differs basically from general insurance in that it is based not on risk but on certainty — the certainty that each of us will one day die. Life insurance is the basis of pension funds which provide for retirement and guard against other contingencies such as ill-health, but is best seen by the financial economist as a means of collecting many small savings to put together into large investments, in short, as a form of intermediation.
翻译：
保险公司业务
保险公司做两种类型的业务。一种是针对各种形式风险的一般保险，另一种是长期保险，主要是人寿保险。
一般保险人将同意在发生或不发生事件的情况下向某人支付一笔款项。今天是一个大生意。如果项目成功，您公司的股东将被期望支付股息。如果您要求保险公司承保您的项目，那么他需要提前支付一笔保险费。如果项目成功，他保持溢价，但你不给他任何东西。向保险公司或承销商支付保费通常比向股东支付股利便宜。如果向股东支付的股利较少，那么可以将更多的资金作为保留，以资助网络公司的下一个项目。
另一种类型的保险业务是人寿保险。它基本上与一般保险不同，它不是基于风险，而是基于确定性 - 我们每个人有一天会死亡的确定性。人寿保险是养老基金的基础，它为退休提供保险，防范其他紧急情况，例如健康状况不佳，但金融经济学家最好将其视为收集许多小额储蓄以便汇总成大型投资的手段，简而言之，中介的一种形式。