财经大讲堂3--个人理财基本概念课件.pptVIP

* * * * * * * Picking a Career Getting a Job选择你的生涯与工作 Find a career path for the rest of your life: 为你的人生找到一个生涯的路线 Work that is enjoyable and satisfying 找一个可以乐在工作以及可以得到满足的工作。 Adequate financial support 可以提供适当的财务支持的工作。 Balance between work and personal life 可以在工作与个人生活间找到平衡的工作。 Building Job Security确保自己的工作保障 Keep up with education and new skills. 持续不断的进修以及新技能 Do good work. 做好工作。 Match your image to that of the company. 给人正确的印象与公司的价值观一致的 Know and use the power structure. 了解并利用权力结构。 Take new assignments and make others aware of your work. 接受新任务同时让你的努力工作可以被看到。 Be loyal and supportive of your boss. 对老板忠诚，而且要支持你的老板。 Learn to network, in case you need another job. 建立人际网络，当你需要其他工作时用得到。 Your Income: What Determines It?什么决定你的所得 Earnings determine standard of living. 所得决定生活水平。 Education is the key factor in etermining income level. 教育是决定所得水平的重要因素。 Marriage also seems to be a factor, in that 85% of wealthy households are headed by a married couple. 婚姻也是重要因素，百分之八十五的有钱人都结过婚。 Education教育 70% of wealthy householders finished college. 70%的富有家庭都完成大学教育。 It may be the best single investment you will ever make! 教育是你所做最好的投资! The 15 Principles of Personal Finance个人理财的15个原则 Principle 1: The Risk-Return Tradeoff 原则1：风险和报酬的权衡。 Principle 2: The Time Value of Money 原则2：时间的价值 Principle 3: Diversification Reduces Risk 原则3：多角化以降低风险 The 15 Principles of Personal Finance (cont’d)个人理财的15个原则(续) Principle 4: All Risk is NotEqual 原则4：不是所有的风险都是一样。 Principle 5: The Curse of Competitive Investment Markets 原则5：完全竞争的投资市场的诅咒。 Principle 6: Taxes Affect Personal Finance Decisions 原则6：租税影响个人的理财决策。 The15Principlesof Personal Finance (cont’d)个人理财的15个原则(续) Principle 7: Stuff Happens, or The Importance of Liquidity 原则7：流动性的重要。 Principle 8: Nothing Happens Without a Plan 原则8：如果没有计划，什么事都不会发生。 Principle 9: The Best Protection is Knowledge 原则9：知识是最好的保障。 The15Principles of Personal Finance (cont’d)个人理财的15个原则(续) Principle 10: Protect Yourself Against Major Catastrophes 原则10：在灾难中保护自己。 Principle