<p>非常欣赏楼主的理财系列，呵呵，支持一下！</p>
<p> </p>
<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>mls2009</i>在2009-6-9 19:30:00的发言：</b><br/>
<p>非常欣赏楼主的理财系列，呵呵，支持一下！</p>
<p> </p></div>
<p>非常感谢！
<p>
<p>谈谈你的看法如何？我喜欢交流：）
<p> </p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><font face="Calibri">(</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">十四</span><span lang="EN-US"><font face="Calibri">)</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">家庭理财第二步之四——资产负债分析</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">要做“资产负债分析”，首先必须明确两个概念：资产与负债。什么是资产呢？引起现金流入的就是资产；什么是负债呢？引起现金流出的就是负债。（以上观点来自罗伯特</span><span lang="EN-US"><font face="Calibri">.</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">清崎——《穷爸爸</span><span lang="EN-US"><font face="Calibri">.</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">富爸爸》的作者）</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">资产有哪些呢？股票、基金、储蓄、债券、黄金、盈利的企业、租金超过月供还款额和相关费用之和的房产、保险等都是资产的表现形式；负债有哪些呢？个人借款、房屋贷款、企业贷款、汽车贷款、自住房屋、租金低于月供还款额和相关费用之和的房产等都是负债的表现形式。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">当我们的现金流不良——现金流为负、现金流为</span><span lang="EN-US"><font face="Calibri">0</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">或者现金流太少，而一方面短时间内收入无法改变或者改变空间有限，另一方面又不想压缩开支，还要将现金流调整到一个相对安全的状态，我们就必须调整资产和负债——也就是利用增加资产和降低的负债的办法将现金流调到理想的状态，以确保财务健康！</span></p>
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<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">生活现状分析可以帮助我们理解我们生活的内容是不是完全符合自己的意愿，是否有必要做出调整；财务现状分析则可以明确目前的财务现状是否健康，是否需要调整。做完这两步，理财工作就完成了吗？不，远远没有！人生是一条单行线——无法重来，人生不能一直工作——会有退休和身体不能满足工作要求的状况，所以我们还要对未来做出设想。而根据现状，为实现设想而设计的计划，就是理财活动的最终成果——理财方案！</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">下一节我们谈的是“家庭理财第三步——生活目标”，敬请关注与交流！</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><font face="Calibri">(</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">十五</span><span lang="EN-US"><font face="Calibri">)</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">家庭理财天龙八部之三——生活目标</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">生活目标是有阶段性的！就人生而言，有几个关键性的目标是必须的，那就是：人生目标、退休目标和</span><span lang="EN-US"><font face="Calibri">3</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">、</span><span lang="EN-US"><font face="Calibri">5</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">年的生活目标。人生目标，帮我们确定人生方向；退休目标，帮我们安享人生；</span><span lang="EN-US"><font face="Calibri">3</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">、</span><span lang="EN-US"><font face="Calibri">5</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">年的生活目标，帮我们开始行动，为我们享有美好的人生而奋斗。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: -18.75pt; mso-char-indent-count: 0; mso-list: l0="l0"level1="level1"lfo1"><span lang="EN-US" style="mso-bidi-font-family: 宋体; mso-bidi-theme-font: minor-fareast"><span style="mso-list: Ignore"><font face="Calibri">一、</font><span style="FONT: 7pt="7pt"'Times New="New"Roman'"> </span></span></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">人生目标如何设定呢？我介绍一个方法（大约是斯蒂芬</span><span lang="EN-US"><font face="Calibri">.</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">柯维在《高效人士的七个习惯》里介绍的）。它的操作方法是——</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri; mso-bidi-font-family: 'Times New="New"Roman'">洗过澡，躺在床上，进入梦乡之前在脑海中勾画这样一个场景</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">：</span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: 0cm; mso-char-indent-count: 0"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">在一个薄雾蒙蒙的早晨，你漫步</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri; mso-bidi-font-family: 'Times New="New"Roman'">在一条林荫路上，四周非常的安静，雾气打在脸上，湿湿的，非常惬意！走着走着，你发现田野里有一团黑影，慢慢的变清晰，噢，原来是一群人！</span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: 0cm; mso-char-indent-count: 0"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri; mso-bidi-font-family: 'Times New="New"Roman'">在这样的一个早晨，这群人在干什么呢？你很好奇地向人群走去。走到近处才发现，这群人的左臂上都带着黑纱——原来是在参加葬礼！</span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: 0cm; mso-char-indent-count: 0"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri; mso-bidi-font-family: 'Times New="New"Roman'">你分开人群，走到墓穴旁，看见了棺木里的人，你发现你很熟悉，好像在那里见过可一时又想不起来。凝神打量了一番后，天呀，棺木里躺着的的不就是自己吗？</span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: 0cm; mso-char-indent-count: 0"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri; mso-bidi-font-family: 'Times New="New"Roman'">你环顾四周，猛然发现周围的人</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">很熟悉：</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri; mso-bidi-font-family: 'Times New="New"Roman'">你的父母、你的爱人、你的孩子、你的兄弟姐妹、你的老师、你的同学、你的领导、你的同事、你的邻居</span><span style="FONT-FAMILY: 宋体; mso-bidi-font-family: 'Times New="New"Roman'">┅┅</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri; mso-bidi-font-family: 'Times New="New"Roman'">。这时棺木已经被盖上盖子，大家开始向墓穴里填土，每个人填土的同时，都会回忆与你的过往，都会给出他对你的评价</span><span style="FONT-FAMILY: 宋体; mso-bidi-font-family: 'Times New="New"Roman'">┅┅</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri; mso-bidi-font-family: 'Times New="New"Roman'">你从他们的嘴里听到了什么呢？</span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: 0cm; mso-char-indent-count: 0"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri; mso-bidi-font-family: 'Times New="New"Roman'">——你听到的，就是你想给对方留下的印象，也就是你希望在对方的心目中为自己画的像！</span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: 0cm; mso-char-indent-count: 0"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri; mso-bidi-font-family: 'Times New="New"Roman'">这个方法，连续运用一个月左右，你就会得出自己的人生图像，这幅图像就是自己的人生目标。沿着它前行，我们的生活就会比较快乐，比较潇洒，也比较心安理得。</span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: 0cm; mso-char-indent-count: 0"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: -18.75pt; mso-char-indent-count: 0; mso-list: l0="l0"level1="level1"lfo1"><span lang="EN-US" style="mso-bidi-font-family: 宋体; mso-bidi-theme-font: minor-fareast"><span style="mso-list: Ignore"><font face="Calibri">二、</font><span style="FONT: 7pt="7pt"'Times New="New"Roman'"> </span></span></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">退休目标。</span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: 0cm; mso-char-indent-count: 0"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">要确定退休目标，现要确定退休的定义，那什么是退休呢？退休就是对社会不再负有责任或义务，可以完全按照自己的想法去生活的阶段，在这个阶段，咱们应该想干什么就干什么，在时间上、社会责任上不受任何约束。</span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: 0cm; mso-char-indent-count: 0"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">退休目标的设定要确定：退休的年龄，退休后的生活等内容。</span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: 0cm; mso-char-indent-count: 0"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">退休年龄按中国目前的社会标准是</span><span lang="EN-US"><font face="Calibri">55</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁，或者是</span><span lang="EN-US"><font face="Calibri">60</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁；其实这退休年龄是完全可以个性化的：定义为</span><span lang="EN-US"><font face="Calibri">45</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁、</span><span lang="EN-US"><font face="Calibri">50</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁，或者</span><span lang="EN-US"><font face="Calibri">65</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁、</span><span lang="EN-US"><font face="Calibri">70</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">岁完全由你决定。</span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: 0cm; mso-char-indent-count: 0"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">退休后的生活是你需要认真考虑的。除了一些刚性的需求，比如衣食住行、物业费、水电煤气费用、医疗费用外，是不是还要有兴趣爱好、旅游计划、学习计划、社团计划等等。这些事需要你认真思考并确定的——绝不是说说而已。</span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: -18.75pt; mso-char-indent-count: 0; mso-list: l0="l0"level1="level1"lfo1"><span lang="EN-US" style="mso-bidi-font-family: 宋体; mso-bidi-theme-font: minor-fareast"><span style="mso-list: Ignore"><font face="Calibri">三、</font><span style="FONT: 7pt="7pt"'Times New="New"Roman'"> </span></span></span><span lang="EN-US"><font face="Calibri">3</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">、</span><span lang="EN-US"><font face="Calibri">5</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">年的生活目标</span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: 0cm; mso-char-indent-count: 0"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">为了实现最终的人生目标和退休目标，我们就要从现在开始努力，那么</span><span lang="EN-US"><font face="Calibri">3</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">、</span><span lang="EN-US"><font face="Calibri">5</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">年的生活目标就是我们开始努力的第一阶段。</span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: 0cm; mso-char-indent-count: 0"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">这一目标的设定是要结合人生目标和现实的生活状态加以适度调整来完成的。这一部分讲述起来比较困难，但却是理财咨询中最关键的环节！</span></p>
<p class="MsoListParagraph" style="MARGIN: 0cm="0cm"0cm="0cm"0pt="0pt"18.75pt; TEXT-INDENT: 0cm; mso-char-indent-count: 0"><span lang="EN-US" style="mso-ascii-font-family: Calibri; mso-fareast-font-family: 宋体; mso-hansi-font-family: Calibri; mso-bidi-font-family: 'Times New="New"Roman'"><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">下一节，我们来谈“家庭理财天龙八部之四——财务目标”，敬请关注与交流！</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><font face="Calibri">(</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">十六</span><span lang="EN-US"><font face="Calibri">)</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">家庭理财天龙八部之四——财务目标</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">财务目标是为生活目标服务的。财务目标就是根据自己的生活目标而计算出来的财务需求，财务目标的制定就是财务需求的数字表达——这是一个计算过程！如同生活目标一样，财务目标也可分为“人生财务目标”、“退休时的财务目标”和“阶段性财务目标”等等。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">财富是生不带来、死不带走的身外之物。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">“人生财务目标”是具有战略性、方向性的，因此在“家庭理财”活动中具有很强的指导意义！对财富有特殊爱好和追求的人的财务目标可能是“多多益善”，而我们大多数人的财富目标大体相同，那就是：够花就行——但由于人的生活状态和生活品质的不同，所以财务目标也大不相同。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">“退休时的财务目标”兼具战略和战术特点，是财务目标中非常重要的一项。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">“阶段性的财务目标”完全是战术上的，是我们制定“理财方案”的基础！在理财实践中，建议大家制定</span><span lang="EN-US"><font face="Calibri">3</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">年或者</span><span lang="EN-US"><font face="Calibri">5</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">年的财富目标——在这样的时间长度内，完成一个相对合理的理财目标，成功概率是非常高的。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">财富目标没有太多理论上的东西，完全是要通过计算来确定的！这是会不会算，愿意不愿意算，习不习惯算的问题。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">这里面有一个难题，就是对“通货膨胀”的考虑。在一般情况下，我建议大家先不要考虑这个问题，原因有两点：一、通货膨胀率比较难以估计和确定；二、对于大多数没有理财经验的人，理财活动已经比较复杂，在开始时就不要再增加难度了，否则“畏难情绪”的不断滋生，可能会影响到脆弱的理财动力。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">下一节我们来谈“家庭理财天龙八部之五——理财方案”敬请关注与交流。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><font face="Calibri">(</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">十七</span><span lang="EN-US"><font face="Calibri">) </font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">家庭理财天龙八部之五——理财方案</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">理财方案就是制定好理财步骤</span><span lang="EN-US"><font face="Calibri">,</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">，以及如何完成这些步骤的计划。理财方案的作用是“确保我们做的事情是正确的！”。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">理财方案要做的是“在尽可能满足现实财务需求的前提下，调整现在的财务分配结构，以实现</span><span lang="EN-US"><font face="Calibri">3--5</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">年的财务目标，为退休后的财务目标奠定坚实基础。”</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">理财方案的形成是一个循环往复的过程。因为理财方案的形成就意味着要对收入、支出、资产、负债等方面的加以调整，这些调整势必会对个人喜好、生活习惯等生活要素产生影响。因此，必须协调好理财方案与个人喜好、生活习惯三者之间的关系，也就是需要调试。这个调试过程不是一蹴而就的，是必须经过反复研究，才能最终确定的。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">“理财方案”的制定，是需要理财规划人员帮助的，他们对理财活动的深刻理解与专业技术能够帮助我们设计出真正的“既符合我们未来目标，又能尽可能满足现实需要”的合理的理财方案。而这样一个理财方案则是我们实现财务目标的基础！</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">下一节我们来谈“家庭理财天龙八部之六——忠实执行”，敬请关注与交流：）</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><font face="Calibri">(</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri">十八</span><span lang="EN-US"><font face="Calibri">) </font></span><span style="FONT-FAMILY: 宋体; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri">家庭理财天龙八部之六——忠实执行</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri">很多人下决心健身——制定了健身计划、办好了健身卡，可结果是不久之后，健身卡就躺在抽屉里休息，直至实效；很多人下决心减肥——参与了饮食计划、运动计划等等，可结果基本是看见喜欢的放不下筷子，运动坚持不了几天，身材依旧；方案好坏是一方面，能否执行好时另一方面！没有行动就不会有结果——这句话同样适用于“理财”！</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri">如何能够提高执行效果？建议成立理财小组！如同几个人一起健身坚持的效果会比较好一般，几个人一起在一起参与“理财活动”，效果会比较好。依我的经验，</span><span lang="EN-US"><font face="Calibri">3</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri">个人以上就可以了！举例说明一下：甲、乙、丙三个人一起进行“理财”，对于“甲”来说，“乙”来提醒，丙来监督；对于“乙”而言，“丙”来提醒，“甲”来监督；对于“丙”而言，“甲”来提醒，“乙”来监督。这样三个人都有操作，互相提醒，互相监督，执行的效果就会好一些：）</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri">师父领进门，修行在自身！理财是现代人生活的必修课，是与身体健康同等重要的人生基础。近几年，健康已经逐渐成为了一种时尚、成为了一种流行，成为一种生活必须；不久以后，理财也必将如此——成为一种时尚、成为一种流行，成为一种生活必须！</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri">先人一步，把握先机，让我们一起成为时代的宠儿、骄子和弄潮儿吧：）</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri">下一节我们谈“家庭理财天龙八部之七——方案调整”，敬请关注与交流！</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><font face="Calibri">(</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">十九</span><span lang="EN-US"><font face="Calibri">)</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">家庭理财天龙八部之七——方案调整</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">如同团队运作流程</span><span lang="EN-US"><font face="Calibri">P</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">、</span><span lang="EN-US"><font face="Calibri">D</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">、</span><span lang="EN-US"><font face="Calibri">C</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">、</span><span lang="EN-US"><font face="Calibri">A</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">中的</span><span lang="EN-US"><font face="Calibri">C</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">—</span><span lang="EN-US"><font face="Calibri">check</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">一般，理财方案也是需要检查并调整的。方案调整一般分为两类：一类是定期调整，另一类是临时调整。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">定期调整——是指每年至少要调整一次。在一年之后，不但年龄变化了，收入可能也变化了，家庭结构可能也变化了，对生活的要求可能也发生变化了，等等——这些都是导致每年需要重新做一次理财规划的原因。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">临时调整——是指现有“理财方案”的设计条件发生改变，而必须做出的调整。这类调整包括：贷款（房贷、车贷）的还清（将抵还款额）、孩子的出生、老人的过世、升职（加薪、兼职）等导致的收入增加、额外奖金（彩票、绩优奖金等）、遭受疾病或意外、突然的经济损失等等。凡此种种，一旦发生，我们必须对现有的“理财方案”加以调整，以有效应对变化。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">下一节我们谈“家庭理财天龙八部之八——理财习惯”，敬请关注与交流！</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><font face="Calibri">(</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">二十</span><span lang="EN-US"><font face="Calibri">) </font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">家庭理财天龙八部之八——理财习惯</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">知道了，不做不会有结果；做了，持续不了也不会有结果；必须持续做、形成习惯，你要的结果才会发生！</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">理财要养成那些习惯呢？其实很简单，我归纳为</span><span lang="EN-US"><font face="Calibri">9</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">个字：年规划、月报表、周新闻。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">年规划——即每年作一次理财规划。所谓“富足源于理财，理财始于规划”！没有规划就谈不上理财，帮助员工理财也主要是帮助员工做好理财规划——因为这部分工作是需要专业人士提供帮助的。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">月报表——每月完成一次“收入状况表”、“收入分配表”、“资产负债表”。其中的工作重点是“收入分配表”不但要做好，而且要按照表上的提示作相应的动作。这一部分一旦学会，完全可以独立操作！倒是可以让参加者互相扮演操作者、提醒着、监督者，以帮助养成习惯——养成习惯真不是件容易事儿：）</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">周新闻——每周看一次新闻。除非有特殊事件，一般一周内的财经新闻、消息看一次，就大体了解了，这样既不至于落伍、又不至于花费过多的时间。</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">除此之外，与专业的、可信赖的理财专业人士建立长期关系是必要的，因为理财始贯穿一生的活动！同健康一样同等重要，理财是一个人参与社会活动的另一个重要基础！这也是为什么帮助员工规划理财始可以赢得员工“心”的良方，是可以提高员工工作热情的有效方法！</span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span lang="EN-US"><o:p><font face="Calibri"> </font></o:p></span></p>
<p class="MsoNormal" style="MARGIN: 0cm="0cm"0cm="0cm"0pt"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">到本节为止，“家庭理财天龙八部</span><font face="Calibri"> </font><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin">”就全部介绍完了，下一节我们对全文做一个综述，本篇文章也就结束了，让我们共同来期待“综述”吧：）</span></p>