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Les'son 11    fi`nan'cial administra'tion
第十一课 财务管理
First, depos'it mon'ey: The success'ful` per'sonage must depos'it mon'ey. 
一、储蓄:成功人士一定要储蓄。
The rich man is a host of the wealth.
财主就是财富的主人。
Sa'ving, the wealth works for you.
存钱,财富为你工作。
Not saving, you work for the wealth.
不存钱,你为财富工作。
A'fter ma'king mon'ey you giv'e your`self' a part(save) first, then pay oth'er peo'ple (consume'). 
赚到钱后,先给自己一部分(存钱),再付给其他人(消费)。
 
Sec'ond, the fi`nan'cial rec'ord`: The new def`init'ions of the as'sets` and debt. 
二、财务记录:资产、负债的新定义。
As'sets`: Som'ething let the cash flow in'to` your poc'ket. Such as the house rented out. 
资产:能让现金流入你口袋的东西。如出租的房子。
Debt: Som'ething let your cash flow out. Such as the house you are liv'ing in, you hav'e to pay the fee for in'frastruc'ture man'agement.
负债:让你的现金流出去的东西。如居住的房子,要付物业管理费。
 
Third, contro'l the expen'diture: Gen'erally the in'com'e is large, the expen'ses is large too.
三、控制支出:一般收入大,开支也大。
The in'com'e of each month is nev'er enough' for the expen'diture.
每个月的收入永远不够花。
Success'ful` per'sonage lives with plan and budg'et. 
成功人靠计划、预算过生活。
The i'ron rule of man'aging mon'ey: The expen'diture doesn"t be grea'ter than the in'com'e forev'er. 
理财铁律:支出永远不要大于收入。
 
Fourth, the def`init'ion of rich: You hav'e mon'ey to spend without' work. It can be divi'ded in'to` 6 ki'nds of situa'tions: 
四、富有的定义:不用工作就有钱花,分6种情况: 
1. Econ'omy protec'tion: The bank depos'it has min'imum cost of liv'ing 2 months. 
1、经济保护:银行存款有2个月的最低生活费。
If the min'imum cost of liv'ing is 500 yuan each month, the depos'it will reach 1000 yuan.
如果每个月最低生活费500元,则存款1000元。 
2. E`conom'y secur'ity: The bank depos'it has min'imum cost of liv'ing 6 to 18 months. 
2、经济安全:银行存款有6至18个月的最低生活费。
Not rea'ching the e`conom'ic secur'ity, you can"t make invest'ment and buy top-grade clo'thing. 
在没有达到经济安全时,不能投资、买高档服装、旅游等。 
3. E`conom'y in`depen'dence: The in'terest of depos'it can pay min'imum cost of liv'ing by. 
3、经济独立:银行存款利息能支付最低生活费。
Cal'cula`ted by the month depos'it rate of 5 years--0.1875%, if you want to obtain in'terest of 500 yuan per month, you must depos'it 340,000 yuan orig'inally.
按五年存本取息存款月利率0.1875%计算,每月要获得500元利息,必须存入34万元。 
4. E`conom'y vig'or: Depos'it in'terest is 20% high'er than the min'imum cost of liv'ing.
4、经济活力:存款利息高于最低生活费的20%。 
5. Econ'omy free'dom: Depos'it in'terest rea'ches the i`dea'l cost of liv'ing. 
5、经济自由:存款利息达到理想生活费。
If the i`dea'l cost of liv'ing is 10,000 yuan ev'ery month, your depos'it will reach 6,670,000 yuan. 
如果每月理想生活费为1万元,则银行存款要达到667万元。 
6. To'tal econ'omy free'dom: Depos'it in'terest is 20% high'er than the i`dea'l cost of liv'ing. 
6、经济完全自由:存款利息高于理想生活费的20%。
The e`conom'ic in`depen'dence is more impor'tant than face and debt. 
经济独立比面子、债务更重要。
You should make more mon'ey in mo'st short time, and reach e`conom'ic in`depen'dence. 
要在最短的时间赚更多的钱,达到经济自由。
 
Fifth, wealth protec'tion: You should keep your wealth. Do'n"t let your mon'ey pa'ss by. 
五、保护财富:要保存财富,不能做过路财神。
You can look for fi`nan'cial consul'tant for guide.
你可以找财务顾问指导。
 
Sixth, wealth crea'tion --Val'ue` meth'od: You should create' your own val'ue`. 
六、创造财富--价值法:要创造自身的价值。
Helping oth'ers to create' prof'its, your own in'com'e will increase'. 
帮助别人创造利润,自己的收入就会增加。
It is ve'ry dif'ficult to want the boss to raise the sal'ary without' val'ue` or con`tribu'tion. 
没有价值,没有贡献,要老板加薪是很难的。
 
Sev'enth, increase' the wealth -- Invest'ment meth'od.
七、增加财富--投资法。
It depen'ds on invest'ments to increase' the wealth. The main invest'ments are as fol'lows : 
增加财富靠投资,主要投资有: 
1. Bank depos'it: Without' risk, the in'terest is low, and it is slow to increase' the wealth.
1、银行存款:无风险,利息低,增加财富慢。 
2. Insur'ance: Without' risk, the in'com'e is high, and gov'ernment doesn"t lev'y tax to the in'com'e. 
2、保险:无风险,收益高,对收益不征税。
It is the best proj'ect for long-term invest'ment. 
保险对长期投资是最好的项目。
I'd like to desig'n the best invest'ment scheme of insur'ance for ev'erybod`y and make you get the lar'gest wealth. 
我愿意为大家设计最佳的投资保险方案,使你获得最大的财富。 
3. The stock: It has a big risk. The in'com'e is high if you op'erate` well. 
3、股票:风险大,操作得好收益大。 
4. The real estate': it"s risky. The in'com'e is rel'atively high if you op'erate` well. 
4、房地产:有风险,操作得好收益较大。
 
Eighth, four ki'nds of sources of the in'com'e
八、收入的四种来源。 
1. Em`ploy`ee': Help oth'ers to work. He works for the mon'ey. 
1、雇员:帮助别人工作,为钱工作。
There are few, rel'atively stead'y in'comes. It is dif'ficult to make a lot of mon'ey. He has'n"t mon'ey or time. 
收入少,较稳定,不容易赚大钱,没钱没时间。 
2. Profes'sional: He helps himself' to work.
2、自由职业者:帮自己工作。
He has in'com'e without' up'per lim'it. His time is free, and he can man'age himself'. 
收入无上限,时间自由,自我管理。
The bus'ier he is, the high'er in'com'e he gets. He has mon'ey but has no time. 
收入越高越忙,有钱没时间。 
3. En`trepreneur': Let oth'ers help him to work. The in'com'e does not hav'e up'per lim'it. 
3、企业家:找别人帮自己工作,收入无上限。
His time is free. The high'er the in'com'e is, the more success'ful` he is, and he is more relax'ed. He is rich and free.
时间更自由,收入越高越成功,越轻松。有钱有时间。 
4. Inves'tor: Make mon'ey with mon'ey. He is the mo'st relax'ed. He is rich and free. 
4、投资者:用钱赚钱。最轻松,有钱有时间。
 
Ni'nth, know how to enjoy' the wealth: Giv'e your`self' a reward' or enjoy'ment if reach goals. 
九、知道怎样享用财富:达到目标给自己一个奖励、享受。
 
Tenth, share the wealth: Contrib'ute` mon'ey, and take 10% of the in'com'e out to do`nate'. 
十、分享财富:捐款,拿出收入的10%来捐赠。
The mon'ey do`na'ted out will be recip'rocate`d. 
捐出去的钱是会有回报的。
 
The case: 
案例: 
1. Buy the insur'ance: My goal is to reach econ'omy free'dom. The in'com'e of my invest'ment will reach 10,000 yuan ev'ery month. 
1、购买保险:我的目标是达到经济自由,即每月由投资产生的收入达到1万元。
If depos'it mon'ey to get in'terest, cal'culate`d by the month depos'it rate of 5 years--0.1875%, you must depos'it 6,670,000 yuan orig'inally.
如果存款得利息,按五年存本取息存款月利率0.1875%计算,要存入667万元。
You will get the in'terest of 12500 yuan per month, deduct' 20% of the in'terest tax, there are 10000 yuan left.
每月得到利息12500元,扣除20%的利息税,还剩10000元。
The in'terest of the bank is cal'culate`d by the sim'ple in'terest.
银行的利息是按单利计算。
Name'ly the in'terest will not produce' in'terest agai'n.
即利息不会再产生利息。
It is ve'ry slow to increase' the wealth for long-term depos'it.
长期存款,财富增加很慢。
The div'idend of insur'ance is cal'culate`d accor'ding to com'pound` in'terest.
投资保险得红利是按复利计算。
Com'pound` in'terest is that in'terest produce' in'terest agai'n.
复利即利息再产生利息。
The com'pound` in'terest of long-term invest'ment increase's the wealth quick'ly.
长期投资复利增加财富是很快的。
For exa'mple, it is the mo'st low-priced trade to buy U.S.A.'s Man`hat'tan.
比如,购买美国曼哈顿岛是最廉价的交易。
Dutch'man bought Man`hat'tan with the jew'el of 24 dol'lars in 1562.
1562年荷兰人用价值24美元的珠宝首饰购买了曼哈顿岛。
How`ev'er, if uses 24 dol'lars for invest'ment, cal'culate`d by the com'pound` in'terest of 8% an'nual, these 24 dol'lars will turn in'to` 28,000 bil'lion dol'lars by 1995.
但是,如果将24美元用于投资,以8%的年复利率计算,到1995年这24美元就会变成28万亿美元。
It can buy the real estate' of Man`hat'tan agai'n with this mon'ey.
用这笔钱也可以把曼哈顿的房地产重新买下来。
So the div'idend of the insur'ance of long-term invest'ment is far grea'ter than depos'it in'terest.
所以,长期投资保险的红利远远大于存款利息。
There are man'y ki'nds of insur'ance. Som'e is for the pur'pose of div'idend, som'e is for un'expec'ted in'jure and som'e is for the serious disea'se.
保险的种类很多,有些以分红利为主要目的,有些以意外伤害为主要目的,有些以大病治疗为主要目的。
You should choose the insur'ance for shar'ing out bo'nus as pur'pose. 
要选择以分红为目的的险种。
The cus'tomer that wants to un`derstand' in de'tai`l may con'tact` with me. 
需要详细了解的顾客可以和我联系。 
2. Buy real estate'"s: choose the house with low price and good envir`onmen'tal loca'tion. 
2、购买房地产:选择房价低,环境地段较好的房子。
Invest' 20% of the price as the first-phase pay'ment. Pay oth'er 80% by instal'ments. 
投资房价的20%为首期付款购买,其余80%分期付款。
Then hire out the house to require' the house rent, the rent must be grea'ter than the in'terest of instal'ment pay'ment by more than twice. 
然后将房子出租,要求房屋租金大于分期付款利息的两倍以上。 
3. Cur'rent account' depos'it at the bank is no low'er than the i`dea'l cost of liv'ing for one year.
3、银行活期存款不低于一年的理想生活费。 

 

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