white collar, middle-income groups are often assumed to be a social stabilizers and consumption of the main force, is the mainstay. Now, “ House slave ” 、 “ bus slave ” let the white collar middle “ slave ” plus,en, pressure, and a “ slave ” words enough to let the white collar middle weighed down.
“ subtraction ” early repayment
current CPI high interest rate hike later monthly burden heavier. A loan of $ 500,000, the 20-year period, equal installments on a monthly principal and interest payments, for example, if the benchmark interest rate calculation, February 9, 2011 6.4% before interest rates interest rates, monthly for $ 3698.49; 6.6% after interest rate interest rates, monthly increase to $ 3757.36, compared to interest rates for months after spending over $ 58.87. Not good in some leisure capital investment channels have the option of early repayment, compare car loan and mortgage interest rates, select the first or high loan interest rate. The major bank prepayment policies vary, normally required in advance, and pay damages to the individual bank needs.
“ addition ” Trojan leisure capital
in Trojan when leisure capital, can be considered into the money market, not just in the form of Bank term deposits. Money market fund is a cash management tool for high quality, basic is equivalent to the Bank, in the profitability than bank savings, superior liquidity deposit, purchase, redeem and convenient, not affected by early interest income.
“ subtraction ” protection of live
rational use of credit cards, not overly excessive consumption. Using the account, do not get their money lost in shady. Not forget to buy myself a copy of the necessary insurance, protection of the quality of life. For young people, due to the instability during the period, the main risk from accidental injury. It is recommended to select additional accident insurance life insurance on a regular basis. &Amp;ldquo; addition ” multi-channel investment
2010 years of sovereign debt crises makes a sharp depreciation of the euro, while the Japan earthquake triggered the nuclear crisis, was upset by people on the market. Therefore in long-term investment spot gold can be configured as a defensive investment. But because of the gold itself cannot be interest-bearing, proposed no more than 10% of the family assets; part can also be configured asset diversification into consumer themes Fund theme funds, inflation deflation and a pair of special financial fund products.
