Shuangxin family 3 forms of financing

While the men outside the home, home of the family model is very popular with some people respected, but in the modern metropolis, also is shuangxin family, the majority. Marital family overhead, its financing forms is also determined by shuangxin. Shuangxin family finance and common form has the following 3 types.

Average share type: couple from their incomes in the matching money in the joint account to cover daily living expenses and fees. Remaining income to decide how to use it. The advantage of this approach, marital expenses for family life, also have full for the disposal of the personal section; disadvantage is that income higher than when one party to another party, you may
Problems can arise, less income to less disposable income of the party aggrieved.

-Sharing ratio: proposed must cost the couple according to income ratio. 60% party revenue accounts for household income, give 60% its income, the remaining part of the free allocation. It has the advantage that, based on personal income of the spouses to share the family planning Association; disadvantage is that with the increase in income or expenditure, one party may be dissatisfied.

All together: husband and wife both revenue collection, to pay for the family and personal expenditure. Benefits of this approach is that, regardless of income level, and the two are equal, lower income will not be reduced by the Party of his or her disposable income; disadvantage is that this method make marital differences or disputes resulting from expenditures are divided.

Comprehensive analysis of shuangxin double income families will create illusion, or think their salaries run out there after others, as a result, more salaries did not increase their income, but more of a burden. In such cases, the spouses should control each other bad habits. Best opened two bank accounts to handle the payments. One is a joint account, that is, both husband and wife may withdraw accounts, both husband and wife from her earnings equal the money raised in the joint account to cover daily living expenses and fees. Second, their independent accounts of husband and wife, that only open an account can use. Open a separate account is the account the benefits of clear, if you have a special financial burden, such as alimony or living expenses of parents, separate account is also more convenient.

Home improvement financing heat round

Many people catch the Spring Festival, before the arrival the new House, home improvement market is booming. By China Merchants Bank launches a new financing way---\"home improvement\" hire service are all sought after. 70duojiabai residence in Changsha, in more than more than 30 cities and homes in the East of the shop, customers can enjoy the service.

It is understood that the services with 6 months interest-free payment period, payments up to 24 months. The extension service of China Merchants Bank credit card installment features, not limited to in-store selection of a single commodity, whole home decorating business, including floor installation fees, labor costs are paid in stages. By instalment of consumption pattern, only need to pay for current month consumption of one-twenty fourth, one-sixth, or the total sum, which exponentially increases the purchasing power of consumers.

Hundreds of housing-related charge, use of payments for \"packaged\" people have had a lot of home decoration, account for about a hundred homes about 10% of the home improvement business. This installment service is very popular with consumers, has a great potential for development, especially in the young couple are in the middle market, real estate investors interested.

Financing do \"two\" \"instead of\"

Several peers get together to exchange financial views, my personal opinion is: \"I don\'t know where the top and bottom of the housing market and the stock market? But I believe that real estate investment risk in increasing investment value in reducing; investment risk in the release of the stock market, investment value is increasing. Both in comparison, the medium and long term I\'m more optimistic about stock market investments. Both under the influence of national macroeconomic, and also foreign exchange market closely. Asset allocation, consider appropriate adjustments funds structure of real estate and stocks. \"Remember that finished in this period, everyone laughed, and said: you seem to say nothing. I think perhaps this seemingly unable to text, reflecting accepted my financial ways of thinking: financial analysis must always keep a broad perspective of investment, stick with extensive analysis method of contact.

A financial analysis, in addition to wide outside the Visual field to be wide. Concept inclusive, there is doubt, uphold, not listening, not blind faith. May wish to take the real estate investment talk about it.

In the discussions on House prices in the past, there are so few more mainstream. First, land cost theory: because the land rises, so houses on the land rises and estimate the price rises. Strange world where is the package is not paid on the sale? Because good real estate market, so certainly not lose? And thereby prove that house prices will certainly rise? This is a typical circular argumentation. Second, land scarcity theory: the land is non-renewable resources, Wu Yi XI Wei GUI, so land prices must rise. May estimate: original demolished the old house new House on the ground, floor several times, even if increased living area per household, original removed also the enough to live, how suddenly scarce land resources to it? Furthermore, scarcity of trends already, why is lifted now?

In addition, simple explanation to urban construction policy, also intentionally or unintentionally confused concept, were unable to cut through the policy fog by investors who believe in and follow. Data show income can be doubled within a few years, while a house price now your, again in a few years is not expensive, so you want to buy a House as early as possible.

Here we can mention two facts are questioned. Fact one: different income in different populations of the community, then, even if overall income doubled, nor does it mean that different income levels of population growth. Fact two: within a few years if there are other investment products yields more than real estate, why hurry to buy a House now? It seems that every theory has its unique perspective, but has limitations. Only a fully inclusive, to critically question, can we not generalization, making the analysis more close to the truth, have a value.

Two people who control the money, three philosophy of learning

Two people get married, and lived a happy life. Of course support the happy one is income for two. Just my own two people suddenly form a family, if money is simply merged it? How to pipe good money for two? Is worth Oh.

Financial management of a: consumption, storage, investment, three-pronged

This form of finance people who happen to be reflected under the pressure of modern urban life and a unique set of hedonism, sense of adventure in one of the emotional characteristics.

People love to enjoy, sufficient economic conditions they live do not need to tighten their belts, can fully meet the basic clothing, food, housing, and transportation back to further improve their quality of life. Buy a car, travel to facilitate the life of this kind the consumer moves, adding fun has become the ideal for many families.

By the influence of traditional Chinese culture, people still believe that \"man has no foresight, there shall be immediate worries\" this sentence. In the case of life \"definitive refutation\", many people taking part in a fixed monthly income from the money as bank savings, have not only is the pursuit of a modest profit, more is the guarantee to property and life.

Modern man will spend money and saving money also causes the \"money begets money\", \"compound interest\". They are not content with making \"dead money\", trading stocks, lottery, operating the second industry as diverse so that people may money rolling in, \"a fortune overnight\" means business is himself attracted investment of the public eye.

Husband Mr CHENG 54 departments of a company Manager monthly salary of about 20,000 wife Lady 51 old Gu financial officers around $ 8,000 per month for a newspaper son Cheung 23 New Zealand students

Mr CHENG and his wife money income in the fierce competition in the community is the leader, and their philosophy of is help them conduct life, vigor.

Married for 24 years, they will at least come up with their respective monthly income five to two-thirds into the same account, used for daily consumption of family life, big spending and savings together. For example, in recent years, they moved from small two-room house in more than 100 square meters of three rooms and two halls, has a private car, sending her son to New Zealand to study this part of the cost savings depends on a couple of years is hard.

\"Help establish, minor differences\", in addition to these common consumer, their remaining money, is used to meet personal needs. Way more friends and socializing are, as a Manager, he inevitably often pay for customer; Gu Lady is like trading stocks, most of the petty money into the stock market, she said that the change is not the most important, how important is to pulling off a peace of mind.

Comments on the financial management Division: in General, Chen way of managing money is still desirable. But pay attention to two points: one is to control the investment amount, the second is to pay attention to the risk, risk management measures, if the investments had fallen through and affects basic life, gain.

Financial management of the second: eat bought insurance ran out

This method of financing will often be used \"off the end of the coffin\" in a nutshell. But now more and more families, they are happy to do this \"off the end of the coffin\", they entrusted personal safety insurance Foundation, and then eat ran out, if xiaoxiao voluminous!

Yiqian, lack of material resources, causes people\'s consumption concept are more likely to \"conservative\" and now, material supply, consumer attitudes are gradually \"open\", and even understand the meaning of money is to improve lives, enjoy life, rather than like a miser, while watching a Jinshan yinshan. Modern parents more and more \"in\", consumer attitudes are also becoming more advanced, such a philosophy of \"good\" or \"bad\" evaluation?

Husband du 36 Deputy Manager of a food shop Madam Lee 36 about $ 5,500 per month his wife edited a magazine about $ 3,000 per month daughter Qi Qi 10 pupils

Du and his wife, not only in implementing the AA system on economic management, and in addition to the deposit fee for her daughter, income is spent each month lasts. The middle-aged couple without their age usually some awareness of preventive measures, but much like the prevalence of young white-collar workers in \"Moonlight.\" reasons, the couple spoke with reason.

Du Pont believed that the introduction of AA on the economic system, is a very democratic practice. Because every family member is a separate entity, even couples, should not interfere in each other\'s economic ownership. This is not a strange or regard SB. as an outsider, but a mutual respect. Such respect is not only reduce a lot because of financial differences caused friction, more cultivated a tacit understanding between him and his wife.

Du Pont family of three running all kinds of insurance procedures every year, this can be regarded as a disguised form of savings, compared to save banks, return on investment is small, great. As for how to spend money, du feel that many people consume concept lags behind, because no clear meaning of money. Money itself without any effects, if you don\'t use it for the exchange of goods, like waste paper, only when it can meet the needs of the people, the real dotted the purpose of life is reached, money is necessary.

Therefore, du hard to earn, also have to spend, eat, use cannot be sloppy and his wife, from the clothing, jewellery to cosmetics, everything was brand. In their eyes, my daughter has its own life, do everything possible to pave the way for her to bypass, but would nourish her reliance on psychological. Therefore, life is very important, treat yourself is also important.

Comments on the financial management Division: Mr du has a practice particularly worthy of praise, it is the insurance awareness of modern people should be necessary. However, we believe that a family should still have a certain balance of funds in case of sudden situations occur, because that is

The insurance protection, claims will take time, and suddenly happen, do you wait? Therefore, in the premise of not affecting the actual standard of living, we recommend that every family should have a fixed balance each month.

Financial management of three: save save save, save a practical

This form of financing that is dominated by deposits, consumer subsidiary, will each spend as much as possible on the blade, to compression elastic expenditure to achieve the objective of increasing savings. Of course, every expend to does not mean that you want to go back on the blade frugally borders on self-flagellation too far, but in the case of objective conditions allow, promote virtues of diligence and thrift, pursuit of a relatively simple life, a good business in the consumer, in order to get results of value for money.

Husband 52 years a factory workers \' monthly salary of around $ 1700 wife Ms Yang 49 employees of a hospital to be back around $ 1200 per month daughter rain 22 year old college students

Although economic conditions are not superior, but is good at finance and his wife were arranged in good order, enjoyable life.

Mr Zhang is a typical \"man in Shanghai\", since their marriage, the monthly wages collected a lot of ground to the wife, unless there are special circumstances, part he will leave for reserve. Occasional accidents, Mr Zhang capsule strapped inevitably attracted friends made fun of for a while, he was haobujieyi, said the couple\'s money is in a pocket.

However to say money that wives must be master. Total incomes of less than 3,000 dollars a month, remove the rate was relatively stable in water, and other miscellaneous fees, living expenses are controlled at around 25 dollars a day, all the rest of the money put in the Bank, he also has nearly one-second of the income. Little overhead, days not constraints, mobile phones, computers, home DV, is not less than the most modern equipment. How to spend money to buy affordable? That usually had a hobby, is visiting the second-hand market. Who says cheap is no good, many of the newest high-tech products, often go hand prices will destroy several fold. Picked in the second-hand market of more advanced, the eight or nine new, inexpensive commodity, which made him among the friends get \"gold rush\" fame.

Do the life, Be Frank and Open person. Mr Cheung said that he had worked hard to save money for life to daughter, they had no opportunity to spend does not matter, this can easy live your mood is more important than any enjoyment.

Comments on the financial management Division: a family is a family of methods, I think Mr Zhang is from their family\'s economic conditions, find the right financial management. For General double-wage families, buying insurance is all the more important, and particular attention to the protection of insurance so that, even if there is anything, it will not significantly affect quality of life for families. In addition, in the era of one-child \"for the children to work\" parents have more and more, treat their children\'s future, parents had better communication and children, rather than simply help them accumulate wealth than to inculcate a rational concept of financial management.

\"Middle-class family in\" positive investment

Family: wife Sun was liberal lecturers, monthly income between $ 4,000 to $ 6,000. Is an engineer, monthly income of around $ 10,000. Family spends about $ 3,000 per month each year, children and their education costs $ 13,000 to expenditures. Total assets of more than 1.2 million families, of which 650,000 yuan deposits and Government bonds, Fund and stock of $ 50,000. They currently live value set of rooms more than 400,000 worth of old building in the city, was about to borrow money to buy a bigger house.

Insurance, health and accident insurance of Mr Michael Suen, the sum insured is $ 100,000; Sun wife\'s hospitalization, illness and accident insurance sum insured for $ 200,000. Not to children to buy health insurance and accident insurance, but to children education fund $ 14,000 certificates, marriage payments of $ 20,000. Pensions themselves after the age of 55 $ 2000/month, lifelong protection gold-$ 80,000, and so on. Recently, has been cooperating with Sun wife insurance agent said to her: \"\' life form \' will have to adjust, life insurance premium is the price\" hurry she was cheap to buy insurance for his family.

Financial planning

The couple are professionals who have specialized knowledge of a subject, future revenue will be profitable and stable. With respect to the existing rich assets, family burden is not heavy, purchase desire is also reasonable. Therefore, customer\'s actual ability to take risks, strong financial first perfect family risk protection, and then the gold assets and his children\'s education and their pensions.

1. Premiums not less, Xianzhong correctly. Insurance protection and financial-two categories. Prevention-risk guarantee insurance is indispensable for families, financial-insurance you should guarantee perfect before it can be considered. Although Sun wife families spent a lot of money to take out insurance, but at least is complete protection.

For a family, the biggest financial risk is the main creator of deceased of income, leading to survivors \' loss of economic resources to sustain a normal life. For Sun Jia, need to Sun as the insured, buy death insurance (including life insurance and health insurance, accident insurance death benefit in part), its amount should be equal to the survivors \' reasonable living, education, endowment spending even a number of years. Therefore, such a sum of money should be at least $ 500,000 of investment, currently he has some coverage of death only $ 100,000, increased, as appropriate.

2. \"Life tables\" modify and premium is not determined. Life tables also known as \"mortality form\" reflects the probability of survival probabilities of different ages, death and life expectancy. As life expectancy, if one element only mortality rates, life table modifications may indeed result Endowment life insurance prices, but also make death life insurance prices. But apart from mortality, life insurance products also depends on the price of insurance company investment income rates and cost rates to two major elements, as competition in the insurance industry and development, constant optimization of these two elements are more likely to lead to life insurance costs.

Therefore, from the \"life tables\" modify perspective, and does not determine the premiums of change in the future. Buy insurance too concerned about price, irrational practices are trifles.

3. Down payment of the purchase and home due to not using, you can buy money market funds issued in the near future, can be used at any time, and slightly higher than the interest gains.

4. In view of the Sun jiaxiu risk appetite strong, remaining assets into more risky assets, in exchange for higher returns. Stock market, real estate investment can focus.

Family into long-term desire more money to step

Families earning $ 15,000, want to buy a House would like to send their daughters to go abroad or want to travel each year. This special fi similar family zhizhao step-family into a long-term financial management.

Family assets table: House: worth 500,000 yuan around stock: market 70,000 yuan around family monthly payments table: monthly income: 15,000 yuan monthly expenditures: for building 3,000 yuan children Shang kindergarten: 1000 Yuan living: 1000 Yuan hydropower gas, Miscellaneous: 600 Yuan raising car costs: 1000 Yuan other miscellaneous expenditure: 2000 Yuan expenditures total: 8,600 Yuan monthly surplus: 6,400 Yuan purse does not drum wishes many Wu Mr a three mouth, daughter 4 aged.

Mr Wu\'s objectives are: hope daughter after graduating from junior high school to study abroad, and before doing so again for a house in the urban area, to facilitate the work, and to have sufficient funds to travel once a year (about cost of 10,000 yuan/times).

Mr Wu calculation according to Mr Wu\'s ideas on the financial goals, a total of three charges. Education funding, funding of the purchase and travel funds. Now Mr NG surplus of $ 6,400 per month, assuming that daughter 16 years of high school abroad, investment period 12 years, accumulated a total of $ 921,600. We\'ll take a look at Mr Wu\'s goal total of how much money, to high school and College 7 years abroad, conservative estimated cost of $ 700,000, purchased a 80 square meters room conservatively estimated 500,000 yuan in the urban area, travel cost $ 10,000 annually a total of 120,000, the three pieces required to cost a total of $ 1.32 million. This does not include emergency funding and planning insurance funds. Therefore, Mr Wu family financial situation and plan expenses have greater access to his life.

Family into long-term financial step this special fi Pudong Development Bank fiscal Division Ying Li study in detail the case of Mr Wu. She believed that Mr Wu is very typical in Shenzhen, two incomes, has entered a family of three not long ago, belongs to the family into. Families in this period, revenue rising spending continues to increase, to balance the budget, appreciation was particularly important to achieve wealth. Comprehensive consideration of Mr Wu\'s objectives should be in the following order: financial security planning > contingency fund arrangements > children\'s education planning > house plan > other targeted planning > cash flow management to overall arrangements for financial planning.

Analysis of Mr Wu\'s assets, fixed assets and financial assets, have been acquired. But only stocks of financial assets, is single, and risky. Experts suggest that $ 70,000 stock if it is not losing money, may be appropriate to cash in part as other investments. Mr NG monthly spending as a share of revenue 57%, larger than the relative, not conducive to the accumulation of wealth, should therefore be to reduce unnecessary expenses, such as other miscellaneous expenditure.

Financial security first is the first step family finance financial security planning. Insurance is the main means of achieving financial security goals. Since he and his wife are pillars of the family, you should buy a certain amount of life insurance and accident insurance. Amount roughly to the premise of life of children no longer need for help, assuming that daughter 23 years of independence, there is 19 years, household spending $ 100,000 a year, $ 1.9 million total insured amount required, the sum insured in proportion to their income than do distributed between husband and wife, as he and his wife younger, most of the accident insurance, supporting a certain amount of life insurance. In addition, Mr Wu is for room proposed purchase home insurance products. Insurance costs can be controlled more than $ 10,000 a year.

Emergency funding necessary emergency fund is to support the family when the accident occurred a rainy day. Its amount is 3~6 times the General day-to-day expenditures per month for the family. To ensure the flexibility of its drawn, General of the Fund in the form of savings deposit. Proposed part he extracted from future income on the one hand, or stock cash as an emergency fund, on the other hand from the existing monthly expenditure part throttle. Emergency funds can be placed in 3~4 million, after family emergency fund, should promptly make up from the daily accumulation of income or wealth back to the original level.

Education planning early Mr NG kids now 4 years old, to its high school, about 12 years, children in high school and College for 7 years, if the annual average cost of $ 100,000 (conservative estimate), a total of $ 700,000. Expected average annual yields of 7% (medium), since he does not have an existing capital investment, now started should invest $ 2,990 monthly. To achieve 7% yield in the next 12 years, it is recommended that portfolio for the savings (or money market funds) 20%, 10% bonds, Fund 45%, stock 25%. This approach to investing for the average investment cost method, that is, to a fixed amount each month to buy stocks or funds or bonds, buy when the prices of investments decreased by some, rose less and buy some. Such investment can reduce the investment effort, and purchased in batches can reduce the price of investments held by the average.

Long-term investment to buy a house price 6,000 yuan per square meter in the urban area, a conservative estimate of three area needs around 80 square meters, the required amount is $ 500,000. A 5-year investment period, estimated the average annual rate of return 6%, $ 6,527 Mr NG monthly investment, obviously insufficient. Proposed to extend the investment period is 10 years, is expected to average annual rate of return 7%, Mr Woo investment $ 2,747 per month, same investments and education planning.

Cash flow management moderate he is now a monthly savings of $ 6,400, to accumulate education and Housing Fund to carry out insurance planning, total investment of $ 6,570 per month, which does not include the emergency funds, and tourism. And education demand and purchase capital estimates are conservative, can fully shows that Mr Wu\'s lack of cash flow, should be adjusted financial goals. Recommendations from several aspects to consider: reduced monthly expenditure; possibility of letting the children finished high school and then went abroad, and save costs, and extend the investment period; such as the acquisition of new premises, old real estate liquidations; $ 10,000 a year tourism plan is not considered for the time being, for the required insurance planning.

In addition, the expert suggested that Mr Wu

Year financial plan should be a check according to changing circumstances make the necessary adjustments.