The financing is asked and answered
Postado em 2/7/2009 em 04:38 AM
The financing is asked and answered ' Part of primary school) : (1)
1.Q: I private entrepreneur, though income considerable, expenditure translate than the ordinary family odd times too. And the daughter goes abroad early, the high school reads abroad, the expenses of 150,000 of every year are more surprising. As regards my input in education on daughter at present, guarantee that general education deposit and education insurance can be offered is all obviously not enough. And small-scale individual enterprise grant the loan difficult, circulating fund concern life and death, it puts a large sum of money into to be improper even deposit money. Could you tell me how I should adjust the family finance mode, should pay this kind of situation better?
A: Company's assets are that company's assets, personal assets are personal assets, even if is company assets of the main fact of individual enterprise, there are essential differences as own assets, can't count together. Only when the chief commander of individual enterprise invests in the profit that the company produces supports the family to use while taking and going home, this part of fund is not reinvested, we confirm this sum of money is charged to individual or family's assets.
Education expenses of child cut, comply with individual and expenses in the assets of family, but mention " guarantee that general education deposit and education insurance can be offered is all obviously not enough " in the question, and small-scale individual enterprise grant the loan difficult, circulating fund concern life and death, it puts a large sum of money into to be improper even deposit money, " ,I believe it is this enterprise that has not mainly distinguished company's fund and personal fund, fund want, stay in enterprise keeping, producing need, education funds in child spend need. It neither accords with the principle of allocating a fund for its specified purpose in the accounting standard to arrange the fund like this, will run into child need, pay, study time-consuming, fund take, have money awkward situation of turnover enterprise just. Thus, company financing have small enterprise grant the loan method come, deal with, but personal education funds have education deposit,etc. means of management of personal money raised, must guard against a style two to use.
2.Q: My daughter's achievement is outstanding, but the psychology of the examination is not always good enough. All of us think she do in the test, enter key high school have no question, she brought into abnormal play never expect high school entrance examination, actually, have not reached the standard grade. In order to raise a entrance by now " The support " ,Our completely wounded brain with ordinary income. The daughter studies in the high school now, I am very afraid that will present the same situation until college entrance examination, could you tell me how we should got one ready during these years " The reserve fund of the risk " ,In to go to school, plan unable to help her smoothly if wishing to implement child?
A: How to get one ready " The reserve fund of the risk " ,It invests to be a risk only ' Fixed income) Obtain money incomes to solve with the risky financial product. Make the investment at first having capital, in addition it meet fixed income products interest rate low, the income is limited, the risk products have a chance to obtain the high income, but the possibility losing money exists, question of there is no income to ensuring etc.. Can find the red excellent method of fairy and prepare one as one wishes " The reserve fund of the risk " It is unlikely.
However, this sum of " reserve funds of the risk " Real for use,the getting not normal and can enter more by university support to give school when not failinging in college entrance examination for should pay by childing, buy the roll, buy the expenses of the diploma. The use of the money is not only suspected of violation, but also the not morals. It is seen that foolish with the author, this sum of " reserve funds of the risk " Do not raise. Child's achievement at ordinary times is outstanding, just the psychology of the examination is not always good enough, just influenced the full play of the normal level. In fact, what the child really needs is that someone guide the approach tense mood while overcoming the examination, give full play to one's own normal level, make good achievements and enter the university with right titles and proper words, but not depend on " The support " . May make children give up and keep forging ahead to change the experience of the key high school hard with the support, anyway have parents to produce" Settle " Dependent mentality. So, have money that make " the reserve fund of the risk " with it ,It would be better, spend money, help child practise how overcome, have an examination nervous, can consider, go to a doctor psychologist. It is believed that child's examination has brought into normal play, not only can step into the door of institution of higher education openly and aboveboardly, still can help the next high support of the province of parents.
3.Q: High school at my child does not have, study in the vocational technical school. Her tuition is a little bit higher than that of other children at present, and consider she goes to school for time short, work too early, so much expenses in the future of child plans to stand up ahead of time. The present annual income stability of our family is about 200,000 yuan, and there is idle fund of nearly 300,000 yuan. Could you tell me that if think that begins for daughter's employment in the future now ' For instance replenish to her and rent house or purchase the car outside) With the marriage plan, how should we adjust the family finance plan?
A: Rent house or purchase car and employment and seem outside that there is not an inevitable connection, I crook the index for work 10 and five years since stepping out that day of school door, have not purchased the car so far, has been enjoying high speed and facility of modernized means of transportation such as the subway, light railway all the time, never feel that there is not self-provided car that there is any influence on the work. Has never rented house outside too, the drawing rooms of room one two living so far after marriage are even that couple two people struggled and bought together, it has not cost one fen of parents of both sides.
The protagonist of this question can continue carrying on oneself and paying attention to the wealth plan already existingly, don't bear, needn't consider the expenses that children rented house or purchased the car outside either. Child obtain employment, can set up one plan of managing money matters by oneself, weigh routine need, use car really carefully? Is it necessary to rent house outside? According to the income situation, do things within the limits of one's own resources and arrange for one's own several matters such as marriage,etc. of purchasing the car, renting house, buying house, parents can offer disposable help while buying house in it. The young swallow has one day when oneself soars in the blue sky after all, child's economic independence as soon as possible that parents should make, there is one's own financing that is planned.
4.Q: We are salary families, the income, about 80,000, although is not many very steady, and has not exchanged houses and bought the plan of the car at the moment, there is no loan to bear. The son studies in the school at public expense, the tuition still can be undertaken a part by the education insurance, so our burden is not very heavy at present. Though the child is still young, we talk over at length, or hope he will go abroad to study in the future. All deposit of family is placed on the bank now, though does not feel so very rational, but afraid blind investment will be risky. Could you tell me that if wants to raise the education expenses in the future of the foot child under guaranteeing the steady prerequisite, the next one of the family manages money matters " The five-year-plan " How to arrange?
A: Child in the future what expense charge that raises the foot education? Been praising highly all the time with the author " Go in courses of China, graduate student, doctor abroad in basic education " Education order,it last total it spend in the 300,000 yuan about. Family annual income 80,000, annual surplus estimate, have 40,000, can raise the educational expenses of foot 7 year while being such.
1.Q: I private entrepreneur, though income considerable, expenditure translate than the ordinary family odd times too. And the daughter goes abroad early, the high school reads abroad, the expenses of 150,000 of every year are more surprising. As regards my input in education on daughter at present, guarantee that general education deposit and education insurance can be offered is all obviously not enough. And small-scale individual enterprise grant the loan difficult, circulating fund concern life and death, it puts a large sum of money into to be improper even deposit money. Could you tell me how I should adjust the family finance mode, should pay this kind of situation better?
A: Company's assets are that company's assets, personal assets are personal assets, even if is company assets of the main fact of individual enterprise, there are essential differences as own assets, can't count together. Only when the chief commander of individual enterprise invests in the profit that the company produces supports the family to use while taking and going home, this part of fund is not reinvested, we confirm this sum of money is charged to individual or family's assets.
Education expenses of child cut, comply with individual and expenses in the assets of family, but mention " guarantee that general education deposit and education insurance can be offered is all obviously not enough " in the question, and small-scale individual enterprise grant the loan difficult, circulating fund concern life and death, it puts a large sum of money into to be improper even deposit money, " ,I believe it is this enterprise that has not mainly distinguished company's fund and personal fund, fund want, stay in enterprise keeping, producing need, education funds in child spend need. It neither accords with the principle of allocating a fund for its specified purpose in the accounting standard to arrange the fund like this, will run into child need, pay, study time-consuming, fund take, have money awkward situation of turnover enterprise just. Thus, company financing have small enterprise grant the loan method come, deal with, but personal education funds have education deposit,etc. means of management of personal money raised, must guard against a style two to use.
2.Q: My daughter's achievement is outstanding, but the psychology of the examination is not always good enough. All of us think she do in the test, enter key high school have no question, she brought into abnormal play never expect high school entrance examination, actually, have not reached the standard grade. In order to raise a entrance by now " The support " ,Our completely wounded brain with ordinary income. The daughter studies in the high school now, I am very afraid that will present the same situation until college entrance examination, could you tell me how we should got one ready during these years " The reserve fund of the risk " ,In to go to school, plan unable to help her smoothly if wishing to implement child?
A: How to get one ready " The reserve fund of the risk " ,It invests to be a risk only ' Fixed income) Obtain money incomes to solve with the risky financial product. Make the investment at first having capital, in addition it meet fixed income products interest rate low, the income is limited, the risk products have a chance to obtain the high income, but the possibility losing money exists, question of there is no income to ensuring etc.. Can find the red excellent method of fairy and prepare one as one wishes " The reserve fund of the risk " It is unlikely.
However, this sum of " reserve funds of the risk " Real for use,the getting not normal and can enter more by university support to give school when not failinging in college entrance examination for should pay by childing, buy the roll, buy the expenses of the diploma. The use of the money is not only suspected of violation, but also the not morals. It is seen that foolish with the author, this sum of " reserve funds of the risk " Do not raise. Child's achievement at ordinary times is outstanding, just the psychology of the examination is not always good enough, just influenced the full play of the normal level. In fact, what the child really needs is that someone guide the approach tense mood while overcoming the examination, give full play to one's own normal level, make good achievements and enter the university with right titles and proper words, but not depend on " The support " . May make children give up and keep forging ahead to change the experience of the key high school hard with the support, anyway have parents to produce" Settle " Dependent mentality. So, have money that make " the reserve fund of the risk " with it ,It would be better, spend money, help child practise how overcome, have an examination nervous, can consider, go to a doctor psychologist. It is believed that child's examination has brought into normal play, not only can step into the door of institution of higher education openly and aboveboardly, still can help the next high support of the province of parents.
3.Q: High school at my child does not have, study in the vocational technical school. Her tuition is a little bit higher than that of other children at present, and consider she goes to school for time short, work too early, so much expenses in the future of child plans to stand up ahead of time. The present annual income stability of our family is about 200,000 yuan, and there is idle fund of nearly 300,000 yuan. Could you tell me that if think that begins for daughter's employment in the future now ' For instance replenish to her and rent house or purchase the car outside) With the marriage plan, how should we adjust the family finance plan?
A: Rent house or purchase car and employment and seem outside that there is not an inevitable connection, I crook the index for work 10 and five years since stepping out that day of school door, have not purchased the car so far, has been enjoying high speed and facility of modernized means of transportation such as the subway, light railway all the time, never feel that there is not self-provided car that there is any influence on the work. Has never rented house outside too, the drawing rooms of room one two living so far after marriage are even that couple two people struggled and bought together, it has not cost one fen of parents of both sides.
The protagonist of this question can continue carrying on oneself and paying attention to the wealth plan already existingly, don't bear, needn't consider the expenses that children rented house or purchased the car outside either. Child obtain employment, can set up one plan of managing money matters by oneself, weigh routine need, use car really carefully? Is it necessary to rent house outside? According to the income situation, do things within the limits of one's own resources and arrange for one's own several matters such as marriage,etc. of purchasing the car, renting house, buying house, parents can offer disposable help while buying house in it. The young swallow has one day when oneself soars in the blue sky after all, child's economic independence as soon as possible that parents should make, there is one's own financing that is planned.
4.Q: We are salary families, the income, about 80,000, although is not many very steady, and has not exchanged houses and bought the plan of the car at the moment, there is no loan to bear. The son studies in the school at public expense, the tuition still can be undertaken a part by the education insurance, so our burden is not very heavy at present. Though the child is still young, we talk over at length, or hope he will go abroad to study in the future. All deposit of family is placed on the bank now, though does not feel so very rational, but afraid blind investment will be risky. Could you tell me that if wants to raise the education expenses in the future of the foot child under guaranteeing the steady prerequisite, the next one of the family manages money matters " The five-year-plan " How to arrange?
A: Child in the future what expense charge that raises the foot education? Been praising highly all the time with the author " Go in courses of China, graduate student, doctor abroad in basic education " Education order,it last total it spend in the 300,000 yuan about. Family annual income 80,000, annual surplus estimate, have 40,000, can raise the educational expenses of foot 7 year while being such.
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