STEP7: regularly review results
As long as the basis of prior, affair, subsequently control will the financial investment instructions a integration, you can find out about financial management process regularly review where the importance of the results.
Beforehand control: setting financial goals, the steps on the elaboration of its objectives.
The following questions to help you:
A measure of goal setting is reasonable?
There are in line with your own personal milestones of life?
The alternative to achieve goals?
You can examine steps?
Matter in bookkeeping, ” “ control: is it in the control.
You can record from your own accounting have to know you personally in the daily life of the State of the operation of the money and when you find cash flow exceptional condition, you can know and make contingency at any time.
Control: scheduled to be completed after the event when the results of the review of gain or loss is another stage of planning will need to refer to the important information.
STEP8: forward stock market investment strategies
Stock market investment target that you want to have periodic
If you are in the stock market investment is a green hand on, it is recommended that you first set the target is placed in the Hang Seng index constituents of blue-chips do half a year to the one-year investment.Due to the large blue-chip companies share capital, the share price would be difficult to speculation, characterised by a higher, the company's financial information transparent than other listed companies and the return on investment in the stock market since suitable for future advanced training as a novice.
STEP9: discussion groups and financial management
With the rise of the network, has a Web site that provides many small investors can make use of tools such as online analysis software, the company's financial statements and research reports, etc.In fact, on the most effective tools at the retail level is the Forum and the chat room.Through the Forum, you may be expressed or understand others for some of the views of the stock-related events, absorbing what do you think the arguments of a spam confidence level is higher.In the chat room, all three, five gathering information users can be used interchangeably to discuss personal experiences in the field of financial management, etc.
STEP10: policy changes as
Personal finance is not a fixed formula, with the older, financial goals and policies are also different.Economists FrancoModigliani proposed by the life-cycle assumptions determine personal financial objectives and strategies has a guiding role.
Franco pointed out that life in youth and senile, since there is no inevitable working ability, expenditure is greater than revenue.As regards the Prime positive Mong ability to work and for the future (senile) make going to, so the corresponding increase in income and savings, so its investment strategy should also respond
2009年11月29日星期日
Civilians make money become a millionaire ten steps
STEP5: to develop good habits of financial management
It's never too much, the $ 1,000 a piece of money is not enough
Life financial management at first most common way is to force yourself to save money every day to save money for the carrying case, and this is a good idea to save some money tube is transparent, and record every day.Transparent to save money is to make you inspect the effectiveness of financial management, the record is just a formality but let you get into the habit.When your daily savings accumulated over time, up to a certain number, followed by a thin to deposit this tip of the day, you can gradually into the habit of saving money money management itself.
The habit of bookkeeping, training
Life in the second step in financial management is to develop the habit of the book entry.The benefits of the book entry is that you can know that every day you spend money where, in financial need to reduce expenditure, we know where the dirty deed.On many computer software such as Microsoft Money, and so on, can help you with analysis information daily, so the book entry bookkeeping, in modern life is no longer is exhausting but does not make sense.
STEP6: investing in the Fund and start
Why is the beginning of the investment fund from buying? that's not what you want to give it to the experts in finance from the Fund? we actually stand for finance and investment still firm ” “ own finance and investment, but just a lot of investment instruments have investment threshold, so we had to temporarily ” “ to sacrifice part of the cost of the investment fund companies first borrower's waistline of experts, to their own financial investment in the future.
For example, the lowest in the stock market in public investment is 1,000 shares of stock, but there are a lot of merit-based, the prospect of the stock market is a face value of $ 30,000, which makes a lot of just the first steps in fiscal management and want to invest in the stock market at shy person.Although there are also some stock a market value of less than $ 10,000, but these stocks have become a threat to 10 cents ” or “ “ the femoral penny stock ” and finally are dividends, share price fell.However, investment funds you can avoid “ more egg and put it in a basket, because ” Fund itself is going to be a certain degree of diversification to evade the risk.
It's never too much, the $ 1,000 a piece of money is not enough
Life financial management at first most common way is to force yourself to save money every day to save money for the carrying case, and this is a good idea to save some money tube is transparent, and record every day.Transparent to save money is to make you inspect the effectiveness of financial management, the record is just a formality but let you get into the habit.When your daily savings accumulated over time, up to a certain number, followed by a thin to deposit this tip of the day, you can gradually into the habit of saving money money management itself.
The habit of bookkeeping, training
Life in the second step in financial management is to develop the habit of the book entry.The benefits of the book entry is that you can know that every day you spend money where, in financial need to reduce expenditure, we know where the dirty deed.On many computer software such as Microsoft Money, and so on, can help you with analysis information daily, so the book entry bookkeeping, in modern life is no longer is exhausting but does not make sense.
STEP6: investing in the Fund and start
Why is the beginning of the investment fund from buying? that's not what you want to give it to the experts in finance from the Fund? we actually stand for finance and investment still firm ” “ own finance and investment, but just a lot of investment instruments have investment threshold, so we had to temporarily ” “ to sacrifice part of the cost of the investment fund companies first borrower's waistline of experts, to their own financial investment in the future.
For example, the lowest in the stock market in public investment is 1,000 shares of stock, but there are a lot of merit-based, the prospect of the stock market is a face value of $ 30,000, which makes a lot of just the first steps in fiscal management and want to invest in the stock market at shy person.Although there are also some stock a market value of less than $ 10,000, but these stocks have become a threat to 10 cents ” or “ “ the femoral penny stock ” and finally are dividends, share price fell.However, investment funds you can avoid “ more egg and put it in a basket, because ” Fund itself is going to be a certain degree of diversification to evade the risk.
Civilians make money become a millionaire ten steps
STEP3: learning investment
Mentioned before ” “ financial independence refers to a liability, in addition to malignant “ control benign liabilities and learning investment ”.In fact, financial independence is just a concept of established, in implementation of financial independence before you have a lot of preparatory work, including learning financial knowledge is the most important task.
Engaged in rational investment
What is a rational investments put simply is “ investors understand the connotation of the investment objectives and its underpaid after being done ” investment behavior.Why is it that financing would like to stress the importance of rational investment? because bad investments can lead to serious liabilities! rationality, correct investment community, we are ” “ “ income is greater than the expenditure ” widened, so that your financial truly independent, and can help you achieve the goal of life.
Expert financial it?
The financial management over to expert concept is correct, as the expert can dedicate financial management, which are in the work of more resources and tools that can effectively improve your investment income, these are the advantages of financing of experts.But we're their learning financial knowledge? because you put the money to the financing of experts, the expert ” “ financial confidence, and determine the “ finance ” experts will be your greatest interest for the ultimate purpose of financial management, the last also determines the investment will give you money when you specify back to you in your pocket.If you have a full grasp, then your own learning financial knowledge is necessary.
STEP4: setting the personal financial objectives and carrying out the plan
Setting financial goals
The best is the goal of financial management, calculate your own monthly how much money can be saved, to select what is the investment return of investment instruments and how much time is expected to achieve their objectives.Therefore, we recommend you first aim had better not set too high, the time in 2-3 years.
Achieve financial goals
After you have personal financial goal setting, how can you in the shortest possible time to achieve this target? without considering other complex factors, the general financial goals and reached the following variables:
Personal that quantify the amount that quantify the amount can be divided into time or multiple input
Rate of return on investment tools investment instruments can be divided into deposit, funds, bonds, stocks, futures, and bullion.The higher the rate of return on investment, relative risk.
Time the time value of money is there, the longer the time and have received the reward.
Therefore, the most basic qualifiers to first determine your individual input, and then choose the amount of investment instruments.In addition, the rate of return on investment tools to more than inflation, and finally the accumulated over time, you can reach the setting financial goals.
Mentioned before ” “ financial independence refers to a liability, in addition to malignant “ control benign liabilities and learning investment ”.In fact, financial independence is just a concept of established, in implementation of financial independence before you have a lot of preparatory work, including learning financial knowledge is the most important task.
Engaged in rational investment
What is a rational investments put simply is “ investors understand the connotation of the investment objectives and its underpaid after being done ” investment behavior.Why is it that financing would like to stress the importance of rational investment? because bad investments can lead to serious liabilities! rationality, correct investment community, we are ” “ “ income is greater than the expenditure ” widened, so that your financial truly independent, and can help you achieve the goal of life.
Expert financial it?
The financial management over to expert concept is correct, as the expert can dedicate financial management, which are in the work of more resources and tools that can effectively improve your investment income, these are the advantages of financing of experts.But we're their learning financial knowledge? because you put the money to the financing of experts, the expert ” “ financial confidence, and determine the “ finance ” experts will be your greatest interest for the ultimate purpose of financial management, the last also determines the investment will give you money when you specify back to you in your pocket.If you have a full grasp, then your own learning financial knowledge is necessary.
STEP4: setting the personal financial objectives and carrying out the plan
Setting financial goals
The best is the goal of financial management, calculate your own monthly how much money can be saved, to select what is the investment return of investment instruments and how much time is expected to achieve their objectives.Therefore, we recommend you first aim had better not set too high, the time in 2-3 years.
Achieve financial goals
After you have personal financial goal setting, how can you in the shortest possible time to achieve this target? without considering other complex factors, the general financial goals and reached the following variables:
Personal that quantify the amount that quantify the amount can be divided into time or multiple input
Rate of return on investment tools investment instruments can be divided into deposit, funds, bonds, stocks, futures, and bullion.The higher the rate of return on investment, relative risk.
Time the time value of money is there, the longer the time and have received the reward.
Therefore, the most basic qualifiers to first determine your individual input, and then choose the amount of investment instruments.In addition, the rate of return on investment tools to more than inflation, and finally the accumulated over time, you can reach the setting financial goals.
Civilians make money become a millionaire ten steps
STEP1: ” “ their firm resolve to start money management
Most people are of the view that the concept of “ “ finance ” is equivalent to not spend money on ”, which in turn will reduce the financial management to enjoy consumption and quality of life.
Lovers to enjoy the thrill of consumption for young people is inevitably ” “ finance to resist the idea that finance ” “ on this matter, it first.
This is a fact? answer must be in the negative.Young people don't like financing or do not know the financial management, the main reason people ignored ” and “ “ money ” differences.Taken all know truth “ money can always involves savings is called “ ”, Moneymakesmoney, ” “ “ money money chase ” ” ” “ people rather than chasing ” “ money have been far more efficient and effective.
So how do you spend money chase? first of all, of course, to have the first barrel gold “ ” — — a sum of money easy mother, and then the mother with this sum of money money money producing child.But this “ the first barrel to gold what should ”? we are often ” “ a clearance sale,
“ free annual fee credit card ” and other incentive for our desire to go spend money, time and time again and again missed savings “ the first barrel gold ” best time.So you must make up its mind ” “ their financial success can only be to constitute the first step to financial management.
STEP2: exclude malignant liabilities for the control of benign liabilities
If you have already made up his mind your own financial management, the next step is to do is put your own financial independence.The ” “ financial independence refers to exclude liability, “ control of benign and malignant liability, ” learning investment.
Malignant liabilities shall control's liabilities, such as illness, injury, car accidents, and so on, these events liability are malignant.In this case, if you bought insurance can reduce accidental loss caused by convicted, so as to exclude malignant debt.So the financial independence of the first step is to buy a fit insured accident hazards arising from financial loss should be shifted to the insurance company will put you in.
Benign liabilities is what you can control's liabilities, such as the cost of living and entertainment expenses, children's educational expenses, housing loans, etc.In other words, you can decide on their own monthly living expenses, you can decide to live with their parents, or to move out after her marriage to buy a house or had children, etc.
Most people are of the view that the concept of “ “ finance ” is equivalent to not spend money on ”, which in turn will reduce the financial management to enjoy consumption and quality of life.
Lovers to enjoy the thrill of consumption for young people is inevitably ” “ finance to resist the idea that finance ” “ on this matter, it first.
This is a fact? answer must be in the negative.Young people don't like financing or do not know the financial management, the main reason people ignored ” and “ “ money ” differences.Taken all know truth “ money can always involves savings is called “ ”, Moneymakesmoney, ” “ “ money money chase ” ” ” “ people rather than chasing ” “ money have been far more efficient and effective.
So how do you spend money chase? first of all, of course, to have the first barrel gold “ ” — — a sum of money easy mother, and then the mother with this sum of money money money producing child.But this “ the first barrel to gold what should ”? we are often ” “ a clearance sale,
“ free annual fee credit card ” and other incentive for our desire to go spend money, time and time again and again missed savings “ the first barrel gold ” best time.So you must make up its mind ” “ their financial success can only be to constitute the first step to financial management.
STEP2: exclude malignant liabilities for the control of benign liabilities
If you have already made up his mind your own financial management, the next step is to do is put your own financial independence.The ” “ financial independence refers to exclude liability, “ control of benign and malignant liability, ” learning investment.
Malignant liabilities shall control's liabilities, such as illness, injury, car accidents, and so on, these events liability are malignant.In this case, if you bought insurance can reduce accidental loss caused by convicted, so as to exclude malignant debt.So the financial independence of the first step is to buy a fit insured accident hazards arising from financial loss should be shifted to the insurance company will put you in.
Benign liabilities is what you can control's liabilities, such as the cost of living and entertainment expenses, children's educational expenses, housing loans, etc.In other words, you can decide on their own monthly living expenses, you can decide to live with their parents, or to move out after her marriage to buy a house or had children, etc.
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