Ten strokes of money management technique

We can not learn Balzac that miser Europe also Nige Lang Taiwan. Money is only part of life, how to make money and live more harmonious relationship? Quickly look at the following ten ways.

First, the province is provincial
The highest possible proportion of annuity payment, and better protect the retirement; pay the increase, not decrease their quality of life, while progressively increasing the amount of monthly savings; for automatic transfer business, bank or fund company automatically every month a percentage of salary assigned to savings or investment account.

Second, optimize the investment
First thought to the following questions: Do you expect long-term gains or short-term gains? How much risk can you bear? Whether other investment options?
The long term, stocks will undoubtedly bring greater benefits in the short term is to bear a greater risk. If you have recently need money, then reduce the stock investment.
Suggested that the total investment stock investment accounts for the percentage of individuals are: 100 minus age, with a conservative, moderate people who use 110 minus age minus the age of 120 aggressive person.
The funds allocated to different sized companies to diversify investment risk.

Third, debt relief
Behavioral economist Meir Statman said: "To remove the debt burden, is like trying to quit smoking." Only the idea enough, you have to completely change the potential negative spending habits. To develop a smart consumer card program, received the next bill, you'll have much more openly.
Cash payment does not work (for example, online payment), please use the debit card as a substitute. Credit card possession as far as possible at home (such as frozen in the ice).

Fourth, self-
Whether you want a raise, promotion, new job, or competent at their jobs, keep in mind that a universal truth --- not only accomplish the mission, but also compelling.
Overtime work, you get only the overtime, but not beyond anyone. Stand out the most effective strategy is to challenge the most difficult project to ensure that its your boss, company and industry makes sense to ensure you have the ability to fix it.
Develop detailed project plans to solicit comments and suggestions boss, team cohesion forces, and to share experience.

5, reasonable consumption
With the required list of items are listed with their families, and put on the most prominent position. Spending plan you see and feel better able to stimulate the motivation to make money. The price marked on the list, always remind myself that the target savings "gaps", a clear direction for.
To sell used goods, housing space, while clean-up target item "funding." Daily cost of reckoning. Encourage your child to the coins into piggy banks.

6, rainy day
Choose the right time, private lawyers agreed to answer the main question on the Wills: Who is the heir? Who is the custodian of the child? Who was appointed to act as executor?
Guardians of children shall meet the following conditions: good health, have some means, and similar to your values, and your children get along and are willing to become guardian.
Clearly in the will, the guardian should be how to raise children, how to allocate heritage, and the reasons for your decision.

7, integration time
CNN Money Channel latest poll shows that Americans in 2006's primary objective is "to devote more time to spend upon themselves and their families." The reason is not enough time, no more than two reasons --- you really busy, or you do not make good use of leisure time.
The most annoying and time-consuming to do those boring things? May wish to find someone to help. Such as part-time to pack for home, so nanny kids.
Simplify personal finance for processing. Pay by online banking, paying bills.
Substantial planning the perfect holidays, accelerated the pace of work. Do not forget holiday pay in advance for transportation and accommodations during the period.

8, stay healthy
Use skim or low-fat dairy products instead of full-fat dairy products; try not drink mixed drinks; increase in walking distance; less cigarette per day. Full use of personnel department of the medical examination of projects and fitness programs; if companies offer discounts sports cards, do not miss.
After a successful weight-loss or quit smoking, re-apply for life insurance, because healthy people is relatively lower premiums.

9, reasonable tax avoidance
A 2002 U.S. government study showed that nearly 2.2 million average American taxpayers to pay 438 dollars more revenue.
May wish to prepare a shoebox or a folder, all the effective instruments collect, prepare for the reasonable tax avoidance.

10, long-term planning
Your best investment plan has been developed, but with market ups and downs, the ideal configuration inevitably out of date. Therefore, periodically adjusting the proportion of investment projects, so "times."
Select a date, as revised investment plan year "adjustment date." Recalling the various investment projects in the last year of the "expression" and changes the way you can use the chart to indicate the funds. Income has been made to sell the stock. 10% lower than the expected return the item to be adjusted.






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