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投资理财貼士Stach

我丈夫与我在一家信用联盟的储蓄帐户□存有11,500美金,利息是1%,没有余款底限的限制。因为过去我们的收入不稳定,所以喜欢这个帐户的灵活性。现在我们的收入趋于稳定了,就注意起金融市场的帐户计画来。银行认为我们应该把现有的储蓄帐户转成金融市场帐户,因为这样作可以使我们赢得1.25%的利率,余款的底限则为1,000美金。 对我来说,这些利率都有些低,然而,我们还没到把钱投入股票市场的时候。我听说一般的银行利息给的更多,但是对余款底限的要求更高,还会有更多的限制等等。我们是把钱留在信用联盟,赚取1.25%的利率好呢?还是将钱转到付息更高的金融机构□好呢?” 你对于现时银行利率低的说法是正确的... >Full Story

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  • Header Image 为孩子投资 Invest for Kids “我们在圣诞节为四个孙子女购买股票己经有十年了,股票面额由00至,000不等。由于经纪佣金涨得太厉... >more

  • Header Image 购物狂 Shopping Frenzy 有一种正在横扫全国的传染病:采购、工作过度、压力紧张、和借贷…所有病症都指向这种会威胁你婚姻与家庭... >more

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贷款 世界 压力 关系 预算 傅家理 投资 女人 男人 财务 人生 婚姻 性与爱 家庭 职业

忙!忙!忙! Holiday Stress

不论你下过多少次决心,节庆总是使人忙!忙!忙!父母不仅是希望自己能享受清靜的佳节,更希望孩子们能有个美好的假期。如果你真的希望在假期中多花时间跟家人相处—请注意参考以下的建议并时常回顾,将会帮助你控制预算,减轻节庆的压力,并且让你有时间跟家人和孩子们享受佳节。 避免多次和不必要的采购。 采用以下的一些方法可以帮助避免最后一分钟的花费和压力,像是临时需要邻居聚会的礼物或是忘了大伯父的礼物等状况。了解自己可能乱花钱的地方和如何集中意志,将会帮助你节省节庆的花费。... >Read More



有效管理时间 Effective Time Management

By 译者:钱珊丽 过去二十几年,我讲授如何管理时间的次数,已超过二千次,其中有共通之处,便是围绕在「保持平衡」的核心观念上。成功地管理自己的时间,并无关使用那些方法或工具,一如「待办清单」或是那种为平衡日常收支而使用的预算编列技巧。假如一开始在生活已经失衡,我们很容易就陷入失败的命运;事实上,成功的时间管理法则,通常与我们所忽略的事大有关连。 在此我列举了七项「导致失衡」的最佳途径: 忽视自身健康 睡眠时间不够或品质不佳;不肯花时间做运动;外加饮食失衡。(如今百分之九... >Read More



新婚夫妇钱观 Newly Wed Financial

你坠入了情网,现在可能正计划著要与那个很特殊的他携手共度余生。你俩正手挽著手,讨论著将来生育几个孩子,是否继续从事职业,甚至连未来房子的完美模样都谈到了。在一起沟通这些想法固然重要,可你别忘了还有个题目需要谈到,因为,它将是婚姻失败的主要原因。 维系任何一桩美满婚姻的重要因素,就是夫妻双方有能力共同处理好钱财问题。这可能是个极大的挑战。想一想,如果让任何两人生活在一起,你几乎可以打赌他们的金钱观会有所不同。一方也许会认□钱就是购物用的,对另一个人来说,金钱就意味著地位。... >Read More



谈金钱也浪漫 Romantic Money

By卡若琳.殴Caroline Overfield, 译者:文山 什麽是美满婚姻的基本要素?浪漫?沟通?真爱?想当然决非是俗气的金钱,对不对? 大多数人都同意金钱并不能制造出一个美好的婚姻。不过,根据婚姻辅导专家指出:金钱确实是不幸婚姻的一大元凶。英国的家庭关系协谈服务「关系基金会」 在1998年的调查显示:在全英国里,金钱是导至绝大多数夫妻龃龉的第一大项。美国的婚姻专家也认同:金钱是许多离婚案件的主要导火线。而且并非缺乏金钱才造成问题。 相信否?你对钱财的态度比你拥有... >Read More



单亲妈妈Single Mom

一个带著15 、12、6岁三个孩子的单亲妈妈有可能留在家中不去工作吗? □我没有挣钱的技能、没有学位、也没有存款。孩子们的父亲有限的赡养费,根本不够我们用。我只知道不能让孩子们觉得他们有个又疲劳又压力重重的妈妈,我觉得很亏欠他们,孩子们应该得到更好的生活。~苏Sue 有很多人有类似苏的情形。因为每年都有超过百万的夫妻离婚,约有三分之一的家庭是单亲家庭。根据Raise the Nation的统计,现约有一千三百万的单身父母在扶养著约两千万的儿童。据估计只有差不多1/4的儿... >Read More



父债必须子还吗?Inherit Debt

“我孩子们的生身父亲嗜酒成性。他有些很久以前的医疗费帐单,到现在还没付清;只是因为怕医院找他麻烦,才每月交个十块钱左右。如果他去世了,那还债的责任是不是就落到孩子们身上了?他没什么财产,甚至都没有保险付他自己的葬礼费用。而且他现在身体很差。我女儿已经接手他的支票本,从他的残障福利收入里付他的帐单了。女儿问我时,我说我不觉得孩子们该对没还清的债负责,但我想还是尽量问清楚的好。”―玛格丽 有人曾说,你应该在死前最后一分钟花光口袋里的最后一块钱。这的确是个有意思的想法,但恐怕... >Read More



短期贷款须知 Payday Loan

问题:我有几笔短期贷款不能偿还。我已经努力了几年,可是只有足够的钱付清利息。如果我从我的401K退休金□提款付清这些贷款,我省下的利息足够我每个月把401K□提出的钱再补回去。这样我在年终报税时需要缴纳20%的401K预支处罚金吗?我已经吸取了教训,再也不会陷入短期贷款的陷阱了。我认为这类短期贷款应该被非法化。□ 蜜雪 短期贷款又被人们叫做现金预支贷款,支票预支贷款,延期支票贷款或者延期抵押支票贷款。联邦贸易委员会也把它们叫做“超贵现金” 。大约有超过10,000家短期... >Read More


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