找一篇英文的有关个人理财的文章（高分）

financial management system,"financial plans and arrangements for the family."popular speakers ** that when you need to spend money when there ** enough money to give you flowers.financial management does not mean rich,reasonable arrangements for the family financial income and expenditure,to achieve a f**cal balance and protect the basic living expenses of the family ** the fundamental financial management.
many people think that financial management ** an investment,so that the appreciation of assets.th** ** a one-sided understanding.in fact,the true financial planning,including cash planning,investment planning,r**k management and insurance planning,children's education planning,real estate planning,estate planning,such as the eight content tran****sion.these programs are aimed at one purpose:to protect life.the protection of your basic life,the protection of your education,marriage,child education,retirement,d**ease prevention,etc.plan to h**e enough money to cover,but not financial imbalances.
to do a good job of financial planning,we must master the"seven elements":
1.the necessary liquidity.refers to the hands of the living h**e enough money,holding cash ** mainly to meet the daily expenses,prevention of emergencies and the need for speculation.family life,through the cash plan,with cash on hand to meet demand in the short term:the expected future cash expenditures(in the short term,such as the january-march)through a variety of s**ings,living to meet short-term investment instruments.bank demand deposits,notice deposits,and so the imf ** a relatively good cash management tool.we are all very familiar with the former,the bank deposit ** a new business,usually one weeks advance notice can be extracted after 1 week.monetary fund ** invested in money market funds,free of charge as a result,no interest tax,compared to the first 2 persons,a higher income.the r**k ** very **all,particularly suitable for the expected cash management.
2.reasonable consumer spending.the primary purpose of personal finance ** to make a reasonable financial position.as far as possible to reduce unnecessary expenses.real life and learn to s**e money and sometimes to seek a high return on investment than the easier to achieve financial goals.consumer spending through the planning,so that reasonable personal consumption expenditures,so that the structure of household income and expenditure balance.everyone should build their own itemized account in next financial expenses,the daily record of expenditure,(too trivial can not remember,but a total of than 10 recorded it should be)at the end of analys**,it ** necessary to look at those who are unnecessary.a long time,and will find out the laws of their own expenses,the budget next year,planning for the establ**hment of the family's expenses to prepare.liabilities now popular consumption,a certain proportion of the balance ** acceptable,but not excessive,otherw**e you can only become a sl**e to debt.generally accepted that the rate of household debt can not exceed 25%-30%,th** ** a security thread.
3.expectations in education.family members of the education in the share of household expenditure increasing,whether it ** their children's education,or adult-job education,are ind**pensable.families in need of early education planning,reasonable to ensure that the future ability to pay for themselves and their children's education costs,fully meet the individual(family)education expectations.the expenditure on education,the need to establ**h a dedicated account management,unless not allowed to,or not to move.can be done in the short-term investment,on their own,they can do short-term capital preservation investments,such as a variety of commercial bank set the yuan financial products;of their children,their children's education based on age,select the appropriate investment period,to do something in long-term investment.
4.comprehensive r**k protection.person's life,r**k ** everywhere,through the r**k management and insurance planning,will be brought about by the loss of accidents to a minimum,and better to **oid r**ks,to protect life.therefore,insurance ** necessary.in particular,only basic medical and pension insurance for the crowd,it ** necessary to buy a number of commercial insurance,as a supplement.choice of insurance,it ** best to vote for those kind of co-ex**tence.
5.reasonable arrangements to pay taxes.every citizen,paying taxes ** a legal obligation,but taxpayers often want to minimize their tax burden.white said the tax ** reasonable.to achieve th** goal,through a variety of business,investment,financial and other economic activities in the prior planning and arrangements make full use of tax concessions offered and differential treatment,appropriate to reduce or delay the spending of taxes and fees.reasonable business tax deductible investment projects,financial projects,the choice of tax-free varieties,are very necessary.
6.accumulate wealth.the increase in personal wealth ** possible through the"money"to achieve,but the absolute increase in wealth will be passed to achieve an increase in income.salary type of limited income,investment income has taken the initiative to achieve an even higher qualities,the rapid accumulation of personal wealth depends mainly on investment.after all,money can the"money".in accordance with financial objectives,personal investment and r**k tolerance,choose an effective investment program to determine a reasonable investment with a variety of species,bring investment income individuals or families,and and gradually become a personal or family income the main source,and ultimately reach the level of financial freedom.reality for the general population ** not a lot of investment products,stocks,funds,bonds,collection of financial products,gold,real estate,works of art and so on.investment there ** a principle that should not be unfamiliar.when you do not understand it,do not blindly to follow the trend,th** r**k may be considerable.
7.age.to the elderly,income-earning capacity has decreased,it ** necessary in young and middle-aged financial planning period so that the old age can lead to"a sense of security,end-worthiness,a feeling of happiness"with dignity,to aging self-reliance.th** ** also the home of a very important financial goals.people ra**e their children before the concept of old age are now outdated,and their children live their own lives,their burden ** also great,by they are unreliable and can only rely on their own.financial planning as soon as possible,to prepare for their own future enough money to enjoy their twilight years.