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美联储宣布加息，这是2015年全球最大的经济事件，也将对中国未来经济走势、投资机会产生巨大的影响。美联储宣布加息，从而结束持续七年的近零利率时代。
The Federal Reserve raised interest rates, which is 2015 the world's largest economy event. China will also have a huge impact future economic trends and investment opportunities. The Federal Reserve raised interest rates, ending seven years of near-zero interest rate era.
12月16日，据央行公布汇率中间价报6.4626，比上一个交易日贬值67点，续创4年新低，至此中间价已经连续八个交易日下跌，累计下跌775个基点。从12月4日算起，人民币对美元即期汇率从6.4020一路跌到了6.4610，8个交易日贬值了0.92%。
On December 16, according to central parity rate at 6.4626, by 67 points compared with the previous trading day. It continued to a 4-year low. This rate has been falling for eight consecutive trading days, fell 775 basis points. Starting from December 4, Yuan against the US dollar spot rate has dropped from 6.4020 to 6.4610, 8 trading days fall 0.92%.
美联储加息就犹如一柄“达摩克利斯之剑”，悬于全球金融市场之上，人民币也不例外。瑞银证券预计，2016年底人民币对美元报6.8，这意味着人民币对美元将贬值5%。
The Fed raising interest rates is like "the sword of Damocles", hanging above the global financial markets. Yuan is no exception. UBS Securities predicted Yuan at 6.8 to the dollar in late 2016, which meant that devaluation of the Yuan against the dollar to 5%.
人民币贬值，跟我有什么关系？可能很多网友都会这样问。其实，这跟我们的生活，还是大有关系的。
The devaluation of the Yuan have to do with me? Many users might have asked. In fact, that is influencing our life and is still a great deal.
人民币贬值，影响最大的就是有出国留学、出国旅游、出国购物、海外代购等需求的网友。数据显示，去年我国内地公民出境游突破1亿人次。以美国游为例，按人均消费5000美元计，人民币汇率从6.2跌到6.4，约增加花费1000元。
The devaluation of the Yuan is having the greatest effect on going abroad, foreign travel, shopping, overseas residents needs friends abroad. Data show that mainland China outbound travel exceeded 100 million passengers last year. United States tour, for example, per capita consumption of 5000 USD, RMB exchange rate dropped from 6.2 to 6.4, about increased costs 1000 Yuan.
所以，事实上，你口袋里的钱就这样悄悄地飞走了！那么，如何保护我们的“钱袋子”？
So, in fact, your pocket money away so quietly. So, how to protect the "money bag"?
对于国内大部分的老百姓来说，人民币波动的影响可能不是特别大；但是如果你有计划进行一些海外支出，例如海外的消费或者孩子将来出国留学等，那可能需要提前做一些准备。比如，可以考虑提前兑换一些美元；有海外消费需求的网友，可以考虑在消费时，多使用刷卡消费，回国后再还人民币。（作者：赵皓月综合报道 陈雨薇/译）
For most people, currency fluctuations may not be particularly great. But if you have to plan some overseas spending, for example, consumption abroad or their children to study abroad in the future, it may need to do some preparation in advance. For instance, you can consider advancing exchange some dollars. Users with overseas demand, consider at the time of consumption, greater use of consumer credit card, to return home after the Yuan.
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