Family financial management in the 10 to the attention of the local

One, the issue of money when there are differences, it is necessary to realistically frank and good discussion and to hold in their hearts discontent, the consequences could be disastrous.

Two is the debt all together and see how many total, and then to develop ways to repay.

Three, solutions to common account or accounts of the issue of independence. As long as a consensus to choose what kind of account can be husband and wife can also open the third combined the two accounts to cover family expenses.

Four, the parties responsible for payment of specified accounts, bookkeeping, dealing with investment matters.

Five, we must clear the whereabouts of their money, even if your family is the arithmetic master, you must take the initiative to look to find out from the income and expenditure accounts.

Six is a little of your spouse or "carelessness" and not nagging, the two sides autonomy should have the freedom of disposable income.

The purchase of seven former valuables discuss with family members.

Eight is not the spouse in front of others to criticize the way the money.

Nine children and asked what to buy when the position of husband and wife to be consistent so as not to spoil the child.

Ten is often discussed in the objectives of the two best in the absence of selection pressure on financial issues to discuss when.

理财 标签: 家庭理财

Investment trust products that need to pay attention to several aspects

First, for optimization of the Trust. Although, after rectifying and standardizing the trust industry, the risk of significantly lower, but still concerned about their risk, especially in the classification management background, choice of quality is particularly important to the Trust, which is more robust to the investors trust products . Select the main reference for the Trust as follows: a trust company's financial indicators, including the registered capital, net assets, trust assets, net profit, etc.; the context of the major shareholder of a trust company, as the major shareholder of the private state-owned, state-owned shares as of the state-owned holding of.

Second, the higher the threshold of the trust fund products, poor mobility. The release of the product as a result of the trust can not exceed 200 limit, the higher the threshold of trust funds products, many of the threshold of the trust funds are products of 10 million yuan, and some even 100 million. Therefore, the trust products to investors for more funds.

Third, trust in the design, the use of trust property, management practices, as well as the risk of the trust property and security. Projects for the trust, the trust property the way the elements and other products, investors should also have a more detailed understanding of the key lies in understanding the risk factors and Trust Company as trustee of these risk factors control.
In view of this, investors should be based on their risk tolerance, liquidity preference and investment preferences and risk in the income between the grasp the scale, select the appropriate period, the appropriate degree of risk and liquidity products.

How can management do not blindly

More than the pursuit of financial management and the whole way, I would like to do everywhere, resulting in a decentralized capital, the end pieces which did not do a good job. Mr. Wang is the Chengdu in charge of a foreign business, the work of four years, the hands of small savings and investment is the desire; the only savings of 80,000 yuan, 25,000 yuan for the shares, with 05,000 yuan to stamp collectors, coin collectors to 10,000 yuan, 20,000 yuan for the purchase of the Fund. Recently, I heard the introduction of foreign currency bank and wealth management business, Mr. Wang has been the heart and ready to make trouble, then why not do it earning dollars? Mr. Wang's investment philosophy: eggs not in one basket, multi-try a variety of financial products in order to spread the investment risks. The so-called "Oriental Western light does not shine," one can always make money - this is a lot of people believe in the current financial management. But one year down, Mr. Wang, but it falls short of the investment performance, the stock market losses, the money did not have to move products, only make money open-end funds, but also to buy less. Mr. Wang has been that the risk is not spread it? Or how the investment fails, the proceeds might as well keep the bank?

Economic crisis of identity did not fall under the price of the three tips

First of all, the price does not take a sudden manner, but in the lower price before the first warm-up.
In order to increase the brand image of the inclusion of low-priced, brand image to avoid all of a sudden, great changes have taken place and unacceptable to consumers. Starbucks consumers from the past to break some stereotypes start brand. For example, the U.S. consumer is generally believed that Starbucks sold only high-end products, that is, sold more than 4 U.S. dollars per cup of coffee. In view of this situation, the guidance of the various branches of Starbucks on the coffee brewing division, told the guests take the initiative, the shop is actually an average price of drinks three U.S. dollars, and 90% of the drink prices are the following four U.S. dollars. In this way, when Starbucks launched low-priced consumer products will not be a surprise!

Secondly, through the introduction of new low-priced products to drive down prices, rather than the direct price of the original product.
According to the survey, the deterioration in economic circumstances, the enterprise if the price, 70% of the consumers that the brand will usually too high a price; 62% of consumers feel that the price of the product is about to expire or the backlog of. No price for the brand, 64% of consumers think that products must be very popular; the same 64% of consumers think that products have a very good value.
This tells us, if the direct price, unless it is to deal with inventory, or else consumers will doubt the value of products, which will inevitably affect the consumer's impression of the brand. Motorola V3 mobile phone fast early to spend a lot of price let consumers buy high-priced hurt deeply. The Starbucks is to avoid this situation, it is through the three states in the United States were 50 customers on track to record them at home and the details of the restaurant to eat breakfast, 3.95 U.S. dollars to develop a preferential Breakfast, consumers 1.2 U.S. dollars than the original savings.

Third, as far as possible to maintain the inherent consumers, follow them to change, rather than easy access to other market segments.
Brand enterprises fundamentally depends on the enterprises in which a group of consumers for services, when the enterprises to enter new market segments, they often mean an increase of new customers, which will enable customers to believe that his or is not the object of business services, corporate brand image and thus be blurred.
Therefore, in the case of financial crisis, Starbucks consumers through existing research, identify one of the most vulnerable to the impact of financial crisis, a change in consumer behavior and customer base. For example, Starbucks found that price-sensitive are only occasionally to a Starbucks consumer, the impact of the financial crisis, they may remove these consumer. Therefore, the Starbucks on the adoption of new low-priced products, as well as members of a discount the way to reduce consumer costs, and thus retain them as much as possible.

Standard & Poor's index plunged 1.37%

U.S. stocks opened lower today after all the way down, after both fell below -1%. The three major indexes closed slightly before the rebound, as of the close, the three major stock indexes mixed decline. Which Standard & Poor's index plunged 1.37 percent led by the three major indexes.

May ISM services sector index to 44.0, slightly lower than market expectations of 45.0, but better than the 43.7 percent in April. Although the index still shows that services in the shrinking, but the speed of contraction has slowed down for three consecutive months.

April factory orders increased 0.7 percent, an increase of 0.9 percent below expectations.

The latest data show that the job market remains weak, but also signs of a turn for the better. ADP employment report showed the number of unemployed in May to reach 532,000 people, only a little higher than expected.

As of the close, the Dow Jones Industrial Average fell 65.63 points to 8,675.24 points, or 0.75 percent, the Nasdaq composite index fell 10.88 points to 1,825.92 points, or 0.59 percent, the Standard & Poor's 500 Index dropped 12.98 points , to 931.76 points, or 1.37 percent.

Released yesterday by signing into house sales index push Tuesday S & P 500 closed at an important technical significance of the 200-day MA above.

Credit Suisse will be the end of the stock market strategist at S & P 500 target is expected to remain at 920 points value, but that is no longer the stock holdings, saying the recent significant increases in bond yields have reduced the investment value of the stock market.

Credit Suisse strategist, said bond yields rise on part of the economic recovery resulted in a threat to mortgage rates by 10 basis points each, down 1% on the price. They said that the reason why the bond market good investment because they believe the market value of investment has already begun.

10-year bond yields fell 4 basis points at 3.57 percent; the beginning of this year, slightly higher than the 2 percent rate of return. Bond yields and prices were the reverse movement.

Published today in overseas countries generally positive economic data, the Australian reported that the rate of economic growth than expected; the United Kingdom reported that service sector activity for 13 months the first time since expansion.

The U.S. dollar against both the yen and the euro exchange rate rose.

Toll Brothers (TOL) and Hovnanian Enterprises (HOV) are two real estate builders reported quarterly losses suffered. Toll loss of 83.2 million U.S. dollars company, Hovnanian loss 118.6 million U.S. dollars.

Aetna (AET) shares fell 9 percent, after the insurance company announced a lowered earnings in 2009.

Mining equipment maker Joy Global (JOYG) was up 6% pre-set, after the company announced that profit grew 67 percent year-on-year.

Overseas stock market Wednesday. Asian stock markets generally higher, China's stock market closed at a new high of 10 months; by promoting positive economic data, the Australian stock market rose 1.6%.

European stock markets in commodity futures and banking plate manufacturers plate performance, the pan-European Dow Jones Stoxx 600 Index fell 1.1%.

TARP to repay the financing help U.S. financial institutions

Federal Reserve Monday (June 1) that the 19 has just been completed for the pressure of the big banks to test the new requirements for these banks from the United States prior to the return of non-performing assets of the Ministry of Finance to obtain relief program (TARP) loan, you must first prove that their ability to issue additional common stock through a public fund-raising, and adequate capital adequacy ratio, and a number of conditions be approved.
The impact of this new requirement, two passed before the pressure test, was that there was no financing needs of financial institutions, announced that it would issue new shares immediately. The two institutions, including JPMorgan Chase Bank (hereinafter referred to JP Morgan Chase) and the United States credit card giant American Express Company (American Express).
This shows that the U.S. government for the United States for an early resumption of banking institutions can "free" will be the implementation of stringent requirements.
JP Morgan Chase announced that June 1, will be issued to a total value of five billion U.S. dollars of new shares, the United States is expected to be time to start June 2 pricing. JP Morgan before the end of June in the hope that the U.S. Treasury to pay off 25 billion U.S. dollars to repay the TARP, to restore not subject to government intervention in his capacity as an independent bank.
American Express also announced on the same day, will issue a total of 500 million U.S. dollars of new shares, 3.4 billion U.S. dollars for the return of the borrower of the TARP. Since then, Morgan Stanley on June 2 also announced the public offering of ordinary shares of 2.2 billion U.S. dollars.

How the selection of index funds

"Over" the need to
Sub-fund the cost of a one-time costs and continuing costs. Including the cost of continuing the Fund's management fees and custodian fees. 8 funds, Bo, when the cost of continuing the rich the highest, 1.18%; Cathay Pacific in Shanghai and Shenzhen CSI 300 and 300 sustained Jiashi the lowest cost, only 0.6%. Since the performance difference is very small, therefore the cost of investors in the rate of "over" is still very necessary. If as a long-term investment, the cost of continuity between the nuances that may ultimately lead to significant differences in income.
In addition to costs, the Fund's investments also include a one-time costs. Such as the adoption of open-end funds invest in a one-time costs including the purchase fee and redemption fee. 8 largest fund redemption rates were 0.5%, while the maximum application rates are 1.2% and 1.5% respectively.
Excellent back-end charges
8 funds, the South Shanghai and Shenzhen 300, 300 in Shanghai and Shenzhen Dacheng charges in addition to front-end also provides back-end charging systems. Front-end means that the application fee must be paid on application fees, application fees and the cost of back-end only when the payment of the redemption fund.
There are two major advantages of back-end charges: first, application rates will be held by the Fund with reduced growth time. Back-end funds holding more than a certain period of time fee, purchase costs can be completely exempt. Held by the Fund in Shanghai and Shenzhen 300 South for more than 5 years, 300 in Shanghai and Shenzhen Dacheng hold more than 3 years did not have the back-end fees; Second, if the asset value, even in the case of the same rate the back-end fees can also increase the revenue due to the purchase cost of fees and charges in the case of back-end can still generate revenue.
However, both cases the back-end fees without advantage: time is too short to hold, purchase, the number of large funds.
For long-term investors, the preferred choice of management fees and custodian fees lower the Fund; in investment, the direct comparison of sites and fund the purchase of the rate banks; in the same conditions, the choice of back-end fund fees.