老外新年理财建议.docVIP

老外新年理财建议 　　The turning of the calendar is both arbitrary and powerful. Each day is just another day, but when the year resets we feel like the slate is cleaned and we can begin anew. 　　Here are five ideas to help you get a good start for 2010--not just a new year, but the start of a new decade. 　　日历牌的翻页既随意又意义重大。日子一天天地过去,但新的一年到来时,我们的感觉却是翻开了全新的一页,可以重新开始。 　　以下五点建议可以帮助你2010年有个良好的开端,不只为新的一年,而且为下一个新的10年。 　　 　　1. Set up a savings plan. 制定攒钱计划 　　Ever since the financial tsunami swept all before it in September 2008, many people have saved furiously. Thats a good thing, but theres a temptation to lose that discipline once the storm clouds start to break. 　　While the economy remains fragile and many people are still out of work, signs of recovery are becoming more and more apparent. Among your New Years resolutions include a savings goal that is a function of your regular income, even if its not a large amount of money. Maintaining the discipline is crucial. The amount of savings can grow over time. 　　2. Build a rainy-day fund. 建立一只应急基金 　　Advice on how to save for retirement or your kids college is plentiful. Less plentiful is guidance on what kind of rainy-day fund you should have. 　　A rainy-day fund, which your savings plan can feed, should cover about six months of income. Its a form of personal insurance, valuable in these rapidly changing times. 　　This fund should be kept in safe and easy-to-tap assets. Laddering certificates of deposit out six months is one way. 　　That means buying CDs of one month, two months, etc. to six months. As each CD matures you buy another six-month CD to keep the ladder in place. 　　3. Migrate to a debit card or to plastic that must be paid each month. 改用每个月必须还款的借记卡或其他银行卡。 　　Cutting up credit cards makes a lot of sense and eliminating all credit-card debt makes even more sense. The interest rates associated with credit-card debt can easily overwhelm the returns you can get elsewhere. 　　But the world is moving away from cash at