One kind of popular statements
5:38 AM, 2.7.2009
.. Link
The financing is asked and answered ' Part of primary school) : (2)
But the author thinks: If annual 40,000 yuan hits 30,000 times, invest in the fixed income variety: The education type of the bank manages money matters and deposits, funds of money market, hits short term bond fund, national debt, enterprise's debt, buy-back and can pay the insurance of the tuition etc. in the future, invest in risky stock, stock type fund, will all help this family to shorten and raise the time that the education expenses in the future of the foot child need at other 10,000 yuan.
5.Q: One kind of popular statements lets now " Not so good as spending money in early education saving up money for children " ,It means that lets the child study a little more speciality except compulsory education, more competitive in the future. I was developed from the child's natural instincts while as a child, begin to produce the crisis awareness under this kind of main trend to the future of him too now. But of today training class charge expensive all after class, come down, equal to, pay more one tuition one year. The annual income of husband and me is less than 100,000 altogether, there is housing loan on the body, the money that the family can budget is very limited, in this case, " tuition " outside this share ,How should we manage money matters?
A: To this kind according to the author " Educate extraly " For many years observe,pay this the kinds of educations parents,income for child, but it is varied to run various " Educate extraly " School and teacher. Called " Educate extraly " ,Because such education is surplus, useless. Just think the basic education of China is so sturdy, students have acquired a specialty from study extraly, the skill in wielding the 18 kinds of weapons is mastered allly, then world prestigious universities such as Harvard, Yale, Stamford, Cambridge, Oxford,etc. should be all Chinese students, foreign students may not even have seat while wanting to enter. However, the fact is that " the skill in wielding the 18 kinds of weapons is mastered allly " Chinese student every year can enter by these worlds the famous schools is the very few, it is as rare as phoenix feathers and unicorn's more horn to create the outstanding one. I often have an opportunity to meet and endure to the fullest extent " Educate extraly " Student come company application position,feel the many but unureal in knowledge in the brothers in these, aim too high, the psychology is impetuous, I have never dared to give the position of the company to these people.
I think a little " Educate extraly " Such as the mathematics and music ' Play the violin, play the piano) The development in the future is beneficial to the child, but the skill in wielding the 18 kinds of weapons should be studied allly, it is minor to go to the village fair on class " Educate extraly " Not only lose more than gain but also tire the people and drain the treasury, it is the best financing that does not pay this kind of tuition.
6.Q: The child enters and lodges and makes the high school to study this year, a lot of things begin to learn to take care of oneself, the burden of wife and I is much lighter. The child is not at home at ordinary times, our vacant time increased too. And the career of wife and I has certain foundations, begin to enter and develop one steadily, the family income is being neared to the peak value too. Our nearly 300,000 family annual incomes at present, could you tell me that " it is unoccupied and rich to have " in this Life stage,ways to manage money positive on it any suitable,can last we in accumulating by more wealth during these years, is educating in the university for the child and development in the future ready?
A: It is set up on the foundation with steady family income and expenses that the positive type manages money matters. Unless nearly 300,000 of annual incomes, it is annual for expenses propose control within 60,000 yuans,at ordinary times at family can a always on the alert cash. In 225,000 of annual surplus, should take out 75,000 yuan and use for paying the insurance premium every year, buy the life insurance, healthy, unexpected business insurance for couple and kinsfolks. Remaining fund, 2/3 invest in stock, stock type fund and and used for returning the monthly bank loan of real estate mortgage as the down payment buying the real estate. Last 1/3, should invest in the fixed income variety.
Chapter four University: Bei Bei " Excellent " University student margin
First, who check for future fund of Bei Bei?
Bei Bei has read and entered university, those days, mother will laugh too while really dreaming.
But outside the excitement, mother begins to initiate and worry about for the expenses of Bei Bei's university again, having seen the news that university students dropped out of school because of being unable to pay the tuition more, mother has a premonition, in four years when connect, Bei Bei's education expenses will still become the heavy head of expenses of the whole family.
Under the desk lamp of the night, mother is doing accounts for Bei Bei: The tuition of university is 7500 yuan every year, dormitory fee of 1200 yuan, the book dues of 500 yuan, the incidentals of 300 yuan. Give Bei Bei the pocket money of 500 yuan each month, and then change a mobile phone for him - -That is too old before. Calculate, come like this, start a new term, use 1 at least only, 2000, this exclude Bei Bei meal fee in school also. What's more Bei Bei can't read the undergraduate course of a second-rate university even if finish, he will pursue the master degree and go abroad, is still going to marry and buy house in the future Take the place of his plan at all, OK? How much will this cost? Which ten thousand? Hundreds of thousands? Who can count clearly
"Bei Bei, what do you plan to do after graduation from university? " Mother asks.
"Make money! "
"How to earn? "
"Oh, I don't know "
Study in Bei Bei of university to the next to know nothing, his speciality was the marketing just, blame day incantation ground for one calculus, line shape algebra topic every day, until how oneself is each month arrange 500 clear. Have often arrived yet at the end of the month, has had the nerve to want with mother. How can soft-hearted mother refuse, can't let children have no money to have a meal after all.
Think in Nobel Prize for economics winner Bake's study on situation of operating of the family economies, if the child, to cost which the enough family of compensation paid of benefit that the family offers, this child is only equivalent to a piece of durable consumer goods for parents, what parents received from child is only psychological satisfaction. If the child can bring benefit added extra to family and parents, this child is equivalent to that one produces products durably, can produce the appreciation of value, certainly parents hope one's own child can become the overbalanced treasure.
Parents would not like to admit one's own child is talentless, just like Mrs. Ou, the son is future successful personages in her eyes, firmly believe that so long as is letting him study and do the question constantly, can get the high-quality child.
In order to enable the son to know how to treasure and pay, mother thought of an idea that very night - -Hold family's meeting! Is the topic " who comes to check for Bei Bei's future fund? ! "
At the meeting, mother, father have put forward one's own schemes respectively.
{ Last Page } { Page 6 of 15 } { Next Page }
|
About Me
Links
office furniture manufacturer
Welding Machine
sony ericsson w205i
office furniture
Point of Sale
Pet Shop
apple iphone 3g s 16gb
Categories
Recent Entries
top treasures of Tibet
Mine is wished
It is lonely to sample
What musical instrument
A tennis coach says to students
Friends
|
