中文聖經網之咖啡小屋 http://blog.yam.com/chinesebiblecafe 喝咖啡 吃點心 聊信仰 http://www.chinesebible.org zh-tw blog.yam.com All Rights Reserved 做錢財的好管家 郭維國專欄 : 您想吃那一餐?午餐或晚餐 <span style="font-family: 細明體;"><o :p></o></span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">數週前我曾提到</span><span style="font-family: 細明體;">2006</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">年全美儲蓄率是負的</span><span style="font-family: 細明體;">1%. </span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">創下</span><span style="font-family: 細明體;">73</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">年來最糟記</span><span lang="ZH-TW" style="font-family: 細明體;">錄</span><span style="font-family: 細明體;">.</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">對許多年屆退休者而言</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">該如何應變</span><span style="font-family: 細明體;">? <o :p></o></span> <p class="MsoNormal"><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">根據美國威斯康辛大學麥迪森分校一項研究顯示</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">大</span><span lang="ZH-TW" style="font-family: 細明體;">多</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">數出生於</span><span style="font-family: 細明體;">1931</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">至</span><span style="font-family: 細明體;">1941</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">的人</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">約有</span><span style="font-family: 細明體;">80%</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">已做好妥善的退休準備</span><span style="font-family: 細明體;">.</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">主要是因為房價近年飛漲</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">房屋淨</span><span lang="ZH-TW" style="font-family: 細明體;">值大增</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">重新再貸款把房屋淨</span><span lang="ZH-TW" style="font-family: 細明體;">值</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">拿出來</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">再加上擁有股票及政府公</span><span lang="ZH-TW" style="font-family: 細明體;">債</span><span style="font-family: 細明體;">,<span lang="ZH-TW">公司提供的</span></span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">退休金</span><span style="font-family: 細明體;">(pension)</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">及健康</span><span lang="ZH-TW" style="font-family: 細明體;">褔</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">利</span><span style="font-family: 細明體;">,<span lang="ZH-TW">配合</span></span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">政府的社會</span><span lang="ZH-TW" style="font-family: 細明體;">褔</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">利</span><span style="font-family: 細明體;">(social security), </span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">退休應該不是問題</span><span style="font-family: 細明體;">.<o :p>&nbsp;</o></span></p> <p class="MsoNormal"><span style="font-family: 細明體;" /></span></p> <a href="http://blog.yam.com/chinesebiblecafe/article/8406476">(觀看全文...)</a> 數週前我曾提到2006年全美儲蓄率是負的1%. 創下73年來最糟記錄.對許多年屆退休者而言,該如何應變?

根據美國威斯康辛大學麥迪森分校一項研究顯示,大多數出生於1931至1941的人,約有80%已做好妥善的退休準備.主要是因為房價近年飛漲,房屋淨值大增,重新再貸款把房屋淨值拿出來,再加上擁有股票及政府公債,公司提供的退休金(pension)及健康褔利,配合政府的社會褔利(social security), 退休應該不是問題. 

(觀看全文...) ]]> http://blog.yam.com/chinesebiblecafe/article/8406476 理財投資 Sun, 25 Feb 2007 09:20:46 +0800 做錢財的好管家/ 郭維國專欄 - 我們又創記錄了 <p class="MsoNormal"><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;" /><span lang="JA" style="font-family: &quot;MS Mincho&quot;;"></span><span style="font-family: 細明體;"><o :p></o></span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">美國商業部月初報告顯示</span><span style="font-family: Batang;">,</span><span style="font-family: 細明體;"> 2006</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">年全美儲蓄率是負的</span><span style="font-family: 細明體;">1%. </span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">創下</span><span style="font-family: 細明體;">73</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">年來最糟記</span><span lang="ZH-TW" style="font-family: 細明體;">錄</span><span style="font-family: 細明體;">.</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">而</span><span style="font-family: 細明體;">2005</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">年全美儲蓄率是負的</span><span style="font-family: 細明體;">-0.4%,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">也就是</span><span lang="ZH-TW" style="font-family: 細明體;">每賺</span><span style="font-family: 細明體;">$100<span lang="ZH-TW">元</span>,<span lang="ZH-TW">卻花了</span>$100.40<span lang="ZH-TW">元</span>.<span lang="ZH-TW">表</span></span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">示</span><span lang="ZH-TW" style="font-family: 細明體;">每</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">年都在透支</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">且還在惡化中</span><span style="font-family: 細明體;">. </span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">儲蓄率的算法是個人</span><span lang="ZH-TW" style="font-family: 細明體;">稅後收入</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">減去花費</span><span style="font-family: 細明體;">. </span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">從</span><span lang="ZH-TW" style="font-family: 細明體;">歷史的角度來看</span><span style="font-family: 細明體;">,<span lang="ZH-TW">全年</span></span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">儲蓄率是負的僅發生過</span><span style="font-family: 細明體;">4</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">次</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">分別是</span><span style="font-family: 細明體;">1932,1933,2005 </span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">和</span><span style="font-family: 細明體;">2006.</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">在經濟大蕭條時期</span><span style="font-family: 細明體;">, </span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">有四分之一的人失業</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">許多家庭為了付房</span><span lang="ZH-TW" style="font-family: 細明體;">租及買食物</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">而</span><span lang="ZH-TW" style="font-family: 細明體;">無法</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">儲蓄</span><span style="font-family: 細明體;">. </span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">去年的儲蓄率是負的主要是因為經濟發展良好</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">利息低</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">房價近年飛漲</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">房屋淨</span><span lang="ZH-TW" style="font-family: 細明體;">值大增</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">有些人</span><span lang="ZH-TW" style="font-family: 細明體;">認為不需要</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">再為退休</span><span lang="ZH-TW" style="font-family: 細明體;">省</span><span lang="ZH-TW" style="font-family: SimSun;">錢了</span><span style="font-family: 細明體;">.</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">重新再貸款把房屋淨</span><span lang="ZH-TW" style="font-family: 細明體;">值</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">拿出來</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">大肆購買</span><span style="font-family: 細明體;">.</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">僅僅去年再貸款總金額高達九千億美元</span><span style="font-family: 細明體;">. </span><span lang="ZH-TW" style="font-family: SimSun;">另</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">一原因是傳統上存錢最多的富人</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">由於房價及股價大漲</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">資</span><span lang="ZH-TW" style="font-family: 細明體;">產</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">淨</span><span lang="ZH-TW" style="font-family: 細明體;">值</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">大增</span><span style="font-family: 細明體;">,</span><span lang="ZH-TW" style="font-family: 細明體;">不需要</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">再</span><span lang="ZH-TW" style="font-family: 細明體;">省</span><span lang="ZH-TW" style="font-family: SimSun;">錢了</span><span style="font-family: 細明體;">.</span><span lang="ZH-TW" style="font-family: SimSun;">他</span><span lang="ZH-TW" style="font-family: &quot;MS Mincho&quot;;">們的花費超</span><span lang="ZH-TW" style="font-family: SimSun;">過目前收入</span><span style="font-family: 細明體;">.</span></span></p> <a href="http://blog.yam.com/chinesebiblecafe/article/8047474">(觀看全文...)</a> 美國商業部月初報告顯示, 2006年全美儲蓄率是負的1%. 創下73年來最糟記錄.而2005年全美儲蓄率是負的-0.4%,也就是每賺$100元,卻花了$100.40元.表示每年都在透支,且還在惡化中. 儲蓄率的算法是個人稅後收入減去花費. 從歷史的角度來看,全年儲蓄率是負的僅發生過4次,分別是1932,1933,2005 和2006.在經濟大蕭條時期, 有四分之一的人失業,許多家庭為了付房租及買食物而無法儲蓄. 去年的儲蓄率是負的主要是因為經濟發展良好,利息低,房價近年飛漲,房屋淨值大增,有些人認為不需要再為退休省錢了.重新再貸款把房屋淨值拿出來,大肆購買.僅僅去年再貸款總金額高達九千億美元. 另一原因是傳統上存錢最多的富人,由於房價及股價大漲,資產淨值大增,不需要再省錢了.他們的花費超過目前收入.

(觀看全文...) ]]> http://blog.yam.com/chinesebiblecafe/article/8047474 理財投資 Sat, 10 Feb 2007 04:16:10 +0800