He don't play for respect

In family's assets appreciation

12:59, 2009-Jul-2 .. Link

Financing plan to analyze ' Part of the university) : (3)
4.In family's assets appreciation, more conservative to the gentleman, only invest in bank account and national gilt-edged bonds, it is insufficient to lead to the fact the appreciation of assets so, is going up in the front in the price constantly, the assets will shrink progressively. Propose it outside keeping deposit of 30,000 at first, deposit other some investment funds of money market; Secondly half of the surplus parts of revenue and expenditure handle the high-quality stock fund of investment market of a fixed quota every month, throw without fetching, insist for a long time it is a sum of big pension.
20,A generation of future will be an independent generation, a generation of floating, supporting one's parents and serving parents while living and giving proper burial after death will become a kind of extravagant hope progressively, so support parents or depend on oneself really a little. A method is the fixed investment funds proposed above, can shakeout the risk and benefit from national economy to go up wholly; Another one is to buy two copies of endowment insurance, insist on insuring for 20 years, a sum of money is for next life to live every year after guaranteeing to retire.
4.
Mr. Wang is the ordinary worker of the car factory, monthly income is 2500 yuan. The wife's unit is ineffective, laid off three years agoing. Found the job in the large sales field later, the monthly income is about 1500 yuan. What Mr.'s family of the king lived in is own and confidential, the area is not big.
Son of Mr. Wang junior college that Australia run a school jointly study in in one, for every year 10000 tuition, the living expense is 700 yuan every month. Actually the son could go to Australia to study abroad two years more after graduating, but considered the cost was too high to afford, Mr. Wang advises him to give up this chance very reluctantlily. But son close to, graduate, Mr. Wang think, must prepare one " hunt for a job fund " for him always : Including putting and putting the fee, asking someone to help to look for a job in interview " The fee of favor " Wait, it is estimated that 5000 yuan is essential.
Employment situation good nowadays, son junior college graduate quickly, work for whereabouts, and only according to his income, it has difficulty in to want to buy house within a few years. So Mr. Wang troublesome question how stay, pay the bill, come, purchase the room in the future for the son most at present. Mr. Wang invested in stock several years ago, there is 50,000 yuan for many years in deep set of stock market at present. In addition also there is deposit of about 150,000 yuan left in the family at present, but the room rate is skyrocketing in recent years, the money even down payment is not a little enough. Considering that will leave money a bit and support parents as oneself and wife, Mr. Wang's load is heavier.
Family annual income 50,000 family amount deposited 150,000 real estate confidential one other assets 50,000 of equity investment in debt to have no children, educate annual 1 expenditure temporarily. The financial situation of 80,000 yuan is analyzed: Family's annual income: 50,000 yuan; Fixed year expenditure: 30,000 yuan; Financial assets: The deposit of 150,000 yuan, 50,000 equity investment; Fixed assets: Since one set of houses; Family's responsibility: Support the son to look for a job, prepare the fund of bridal chamber, pension for son; The welfare is ensured: Couple two people have social insurance; The financing is proposed: The low-income household in Mr. Wang family belongs to, the responsibility based on a weak economy is heavy, it is difficult to increase income.
1.Mr. Wang have only oneself to be income fairly steady, wife play casual labourer to be income high, purchase the pressure of bridal chamber very largely for the son in the future. If on the other hand smooth, three people of the whole family can all have incomes with the work in the future, the pressure will reduce a lot of too, the question helps the son to analyze now which respect work, then go to compete for posts hard, or look for experts in some family property to instruct just a few, strive for and confirm the work as soon as possible. If the son's income is fairly all right, after steady period, proposed Mrs. Wang might as well consider what businesses with a small capital are done at home for a while, perhaps it is better than to go to the sales field and young people's competition.
2.People fight and earn money for the family, do not let the money have a good sleep at home either, have an opportunity to study some knowledge of managing money matters, familiar with some cut property product, can listen to opinion to manage money matters the expert too progressively, in this way family's assets can get the income higher than the fixed deposit progressively, or higher. Propose, understand some money market fund and hit short term bond fund these have transaction cost, income higher than deposit, nearly financial product without risk. 50,000 stocks need solving too, propose following up the theory of investment of major value, change, raise stock, poor performance stocks more and more like rubbish meeting for high-quality basket.
3.It is whole family heavy politics most for son not to obtain employment at present, study Australia don't think and then temporarily, prepare " the job hunting fund " ,It is very essential too to buy the indispensable dress, pack oneself carefully then hit out omni-directionally, go to the village fair, media's information, network recruit and various relations should be visited to, it is believed that time is not defeated by the person who is ambitious or tenacious of purpose, someone will be moved for you eventually.
4.About Mr. and Mrs. Wang's question of supporting parents, propose buying some endowment insurance, though there are pressures in the fund now, support parents to consider until when being without pressure, so it is necessary to just take this kind of forced saving way of the insurance to prepare for one's own supporting parents now, uncertain a lot, but in addition, one's own deposit and pension of the social insurance can solve the basic needs.
Tips: How does the low-income household throw dangerously?

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