2009-Jul-2 - the child studies |
Financing plan to analyze ' Part of primary school) : (5)
4.Q: Our family annual income is 100,000 yuan, the child studies in the primary school run by the local people at present. Educate the plan that saves to children according to me, there is a gap of 10 to 150,000 yuan at present. Our family granted the loan several years ago and bought a bridal chamber, and hired out the old room, the original idea is to want to be adopted " In order to rent and raise the loan " Tactics,it is but later on for loan rate go up, only reach housing loan the halves of the monthly mortgages income that rooms old hire out, there is housing loan expenditure of more than 2,000 yuan every month, this influences us to give children the progress of saving. In addition my husband has been speculating in shares intermittently all the time, but compensate and earn more little. I want to advise him to give up investing in stock, change some saner ways to manage money. What suggestions well ask having?
A: With the house property policy of the country at present, unless is out of absolute necessity, it is a very unwise move to buy house now; Live alone one, hire out one, raise with room room the second best plan; Except living alone, sell the house of investment, it is the best plan to leave the bag as Ann. It is the second best plan that protagonist adopts the subject under discussion at present, but after loan rate goes up, the income hired out in old room only reaches half of the monthly mortgage of the housing loan, there is housing loan expenditure of more than 2,000 yuan every month, raise the room and plan to fail with the room, the family of investment in property is burdensome, the second best plan has been turned into a very unwise move.
Solve this problem, only a method: Sell old room remedy educational gap of deposit, surplus money at one time return the loan of the bridal chamber. Do it in this way, return loan to analogous to amount of money at one time not only can solve the problem of the educational expense shortfall but also, have shorten the refund time under the high interest rate environment, has saved much loan interest, can be said to be and killed two birds with one stone.
5.Q: The annual income of our family is about 120,000, among them wife and I each contribute half. The money of the family is basically kept and arranged by me, my method is to spend half leaving half: I.e. the tuition studying in the primary school with daily expenses and son of writer's front yard of 60,000 yuan, living cost; Other 60,000 yuan part exists definitely, bring the investment funds partly. A colleague tells me to allocate a sum of money to come recently, specially reserve for money of the child's education. But I think our family still has certain deposit at present, it is enough for the ones that deal with the child to basically educate, is there this kind " Allocate a fund for its specified purpose " Necessity?
A: The annual expenses of three member family is 60,000 yuan, 5,000 for every month on average, the expenses is too big. Even count as the child's education expenditure, the expenses of every month of three member family is suitable for 3500 yuan, the annual expenses should not exceed 42000 yuan. Can save 78000 yuan every year like this.
Allocate, as educational gold, it allocates a fund for its specified purpose to be should be all right in the future partially specially among deposit, but " educational gold " It's time even more " The education fund " . Fund need operation, give birth to through money money solve child educational expenditure problem of expense in the future. If educational gold put there in, just accumulate month by month briefly, appreciation is limited, I think I specially set up instead of having a false reputation, influence the investment return, such special fund is really unnecessary to set up, " educational gold " that it would be better to reserve planning Make the investment together with other fund, draw for being proper as required when there is educational expense expenditure when the time comes.
6.Q: It has my own long-cherished wish to go abroad to study all the time, but we do not have this kind of chance that time, so I place hoping on child. For this reason, I send the daughter to a primary school run by the local people featuring English to study specially, in order to study abroad in the future abroad for her early will be ready. It has been to RMB products that are educated at home that I have noticed most education up till now paying attention to the property product, if I want to evade the risk of exchanging rate fluctuate, hope to study abroad to raise a sum of foreign currency abroad in the future for the child as soon as possible, is there pointed education to pay attention to the property product available?
A: Have cared slightly the people of the exchange rate questions of RMB all know: 1 exchange rate against RMB drop to 8.11 by 8.27 original will it be July 21 2005, RMB appreciate by 2% quickly, and during several months, RMB are in the small size appreciation state. China's economy, through the high-speed development of more than 20 years, including value to get unprecedented promotion inside of RMB, the simple a word is that RMB have been already very costly, the exchange rate to U.S. dollar has already been demoted and can't demote. But for many years in order to guarantee the low cost of the export product of our country and price advantage, it makes it unable to appreciate to suppress RMB artificially. The hole that RMB appreciate is opened on July 21, in very long period in the future, RMB will be in the course appreciating continuously
Evade exchange rate risk while being what is called, say, want currency to evade hand devalue because of exchange rate change accurate; If possess the surging currency in the hand, as change of the exchange rate being more and more costly, such an exchange rate risk is not needed evading. RMB will appreciate continuously, it increases the wealth day by day to possess RMB, so can investing in comfortable educate and cut the property product by domestic RMB now, reasonable wealth income that products make the investment, also can enjoy exchange rate appreciation that change brings, good job that really kills two birds with one stone. Wait until the child goes abroad to study, it is not late to change RMB into U.S. dollar when the time comes, totally it is unnecessary to raise a sum of foreign currency for looking for the foreign currency to educate and pay attention to the property product earnestly now.
Chapter three Middle school: Cost chosen |
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