Financial 財務(wù)

* Saving. Spend less than you earn. It’s such a simple maxim, and yet very few young adults understand it or know how to follow it. Teach your child from a young age to put part of money he receives or earns in the bank. Teach him how to set a savings goal, and save for it, and then purchase whatever it is he was saving for.
儲蓄：量入為出是一句簡樸的格言，然而只有極少數(shù)的青年人理解并知道如何遵循它。從小就讓孩子將他的一部分零花錢存入銀行，教導(dǎo)他如何設(shè)定儲蓄目標，如何達成該目標，然后便可購買他想要的物品。

* Budgeting. Many of us dread this task as adults, and suffer because of it, because we lack the understanding and skills necessary to make budgeting a breeze. Teach them simple budgeting skills, and what’s involved, and they won’t have problems as an adult. You could wait until teenage years to do something like this — but it’s a good thing because this shows them why basic math is necessary.
預(yù)算：許多成年人害怕做預(yù)算，并為此飽受折磨，這是因為我們?nèi)狈ψ鲱A(yù)算所需的知識和技能。教導(dǎo)孩子簡單的預(yù)算技能，以及相關(guān)的知識，讓他們成年后不在面臨預(yù)算的煩惱。你可以等到孩子十幾歲再教他們這些知識，這是一個很好的機會來展示為什么他們需要了解數(shù)學基礎(chǔ)知識。

* Paying bills. Give them bills to pay and have them pay it on time, online or in the real world. Learn how to write a check, paper and online, and how to make sure that you’re never late with bills again — either pay them immediately or automatically.
支付：讓孩子們支付賬單，并確保他們按時支付，不論是在線支付還是實地完成。讓他們學習如何寫支票，包括紙張支票和在線支票；確保不會延誤賬單——可以通過馬上支付或者自動支付來完成。

* Investing. What is investing and why is it necessary? How do you do it and what are different ways of doing it? How do you research an investment? How does it compound over time? This is a good conversation to have with your teen.
投資：什么是投資，為什么必須進行投資？你是如何進行投資的，有哪些不同的投資手段？你是如何研究投資項目？復(fù)利如何發(fā)揮時間威力。這些都是和你孩子交談的極佳話題。

* Frugality. This is something to teach them from an early age. How to shop around to get a good deal, to compare between products of different prices and quality, to make things last and not waste, to cook at home instead of eating out too much, to control impulse buying. When we go out and do a shopping spree, including before Christmas, we are teaching them just the opposite.
節(jié)?。?/b>這是從小就應(yīng)該教會他們的事情。如何去貨比三家，比較不同的價格和質(zhì)量，對物品重復(fù)利用、減少浪費，在家煮食而不過多在外就餐，控制購物沖動。當我們外出瘋狂購物，即便是圣誕節(jié)前，也會為孩子樹立了一個壞榜樣。

* Credit. This is a major problem for many adults. Teach them the responsible use for credit, and how to avoid it when it’s not necessary, and how to avoid getting into too much debt, and how to use a credit card responsibly.
債務(wù)：許多成年人都面臨債務(wù)問題。要教導(dǎo)孩子借貸的責任，如何避免不必要的債務(wù)，如何避免過多舉債，如何可靠地使用信用卡。

* Retirement. Is it better to work hard and retire or to take mini-retirements throughout life? That’s a personal question, but your child should be aware of the options and the pros and cons of each, and how to do each. Why it’s important to start investing in retirement when you’re young, and how much of a difference that can make through compound interest. How to do it automatically.
退休：努力工作到退休年齡，還是“迷你退休”（即工作一段時間，享受一段時間），哪種更好？這是見仁見智的問題，但是你的孩子應(yīng)該知曉有這些選擇，它們的利弊所在，以及如何具體實施。告訴你的孩子年輕時候就開始投資的重要性，復(fù)利所帶來的巨大差別，以及如何讓投資自動化。

* Charity. Why this is an important use of your money, and how to make it a regular habit. This should be not only a financial issue, but a social one. Show them how to volunteer their time and effort as well.
慈善：告訴孩子從事慈善的重要性，以及如何養(yǎng)成做慈善的習慣。這不僅僅是一個財務(wù)問題，也是一種社會活動。你應(yīng)示范如何將時間與精力投入到慈善活動中。

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