Getsmartwithmoneybooks.doc

黃山英 07A班 48號Get smart with money booksWASHINGTON - There are some really good personal finance books on the shelves these days - volumes that can help you manage your money better, earn more on your investments, or plan a good retirement. But those books are surrounded by dozens of others that are less good - so choosing the right one becomes the key to success.A good money book is a great gift for yourself, especially if youve received any book-store gift cards during the holiday season. If not, try your local library.Heres an admittedly idiosyncratic roundup of some of the best of the current crop:Making the Most of Your Money by Jane Bryant Quinn (Simon & Schuster, $35). At 1,242 pages, this hardcover isnt just a financial book, its a fitness book, too. Do 10 reps lifting it over your head and youll build muscle. Read 10 pages, at random, anywhere in the book, and youll learn something smart about how to handle your finances. Quinn is, of course, the queen of personal finance writing and this newly updated classic covers everything from credit scores to interest rates to tuition to bond mutual funds. The advice is wise and consumerist, and you can use it like the encyclopedia that it is.10,000 Ways to Live Large on a Small Budget by the writers of Wise Bread (Skyhorse Publishing, $14.95), is a nice hands-on book for how to save money on everyday life. Wise Bread () is a frugal living website and this books includes lots of specific resources and tips on items like inexpensive romantic dates, cheap dinners, free health care and travel deals. Its a little less specific and more generic in its sections on investing. Alas, the publisher may have gone too far down the bargain route itself by having the book printed cheaply in China. Though attractively laid out, the volume has a stiff spine and is difficult to hold open.Stop Getting Ripped Off by Bob Sullivan (Ballentine books, $15). Sullivan blogs the Red Tape Chronicles for MSNB (/) and hes a wonderful pro-consumer storyteller. This book tackles banks, insurance companies, cell phone services and more. Learn the questions to ask and the deals to cut so you can stop being a patsy.Your Money Ratios By Charles Farrell (Avery, $26). Why not manage your family finances as you would a business? Farrell is a money manager who makes a convincing argument for that approach. He uses ratios more common in the business world, such as the debt-to-equity ratio and the capital to income ratio so that readers can figure out how they are really doing. The book is direct and numbers-focused, and offers answers to questions like How much should I be saving? and How much insurance do I need?Financial First Aid Kit 2009 by Nolo Press (Nolo, $24.79) is a collection of books and tools on DVDs. But it includes several of Nolos best-selling volumes including Credit Repair and The Busy Familys Guide to Money. Nolo () is a leader in self-help legal books, for good reason. Its books and tools are clearly written by attorneys who are comfortable with simple English, so you can follow directions through a home purchase or divorce, setting up a business, or any number of other financial and legal situations. Most include worksheets or fill-in-the-blanks legal forms, too. Browse the site for the book which best fits your needs. I Will Teach You To Be Rich by Ramit Sethi (Workman Publishing, $13.95). Sethi started as a 20-something blogger (/) and this book collects the best of his youth-oriented simple and smart advice. How to start and automate investing, save money on the big things like cars and weddings, beat the credit card companies at their own game. Little, boxy tips and charts make it easy to read, understand and use.The Smartest Retirement Book Youll Ever Read by Daniel R. Solin (Perigree, $21.95). Okay, maybe the title oversells this book a little bit. But its a decent introduction to the many issues retirees and near-retirees will have to face. Every chapter is only about two pages long and concludes with a bottom-line bit of advice. It covers how to plan pension distributions and withdrawals, where to get investment advice, how to manage reverse mortgages, annuities, long-term care, estate planning and more. After reading this, you might have to do more research to glean details on the individual topics covered, but this is a smart way to get started. 做一個明智的購書者華盛頓最近書店架子上擺上了不少的關(guān)于個人理財?shù)暮脮鼈兛梢詭椭愀玫毓芾砟愕腻X或為你的退休計劃出一份力。但是書中有好有劣，所以選擇正確的那一本成為成功的關(guān)鍵。一本好的理財書可以是一份送給自己的禮物，尤其是在你在節(jié)慶時期收到一些書券。如果沒有，不妨到當?shù)氐囊恍暾艺铱?。以下列出一些是當前公認的暢銷書的概況Jane Bryant Quinn寫的成分利用你的錢。這本1242頁的精裝書不僅僅是一本經(jīng)濟類的書,更是一本健身的書。拿著它做10次抬舉有利于塑造肌肉。隨意地讀10頁你會學到懂得如何處理你的財務(wù)狀況的智慧。當然,Quinn是寫個人理財書籍的女王，同時這本新書涉及的領(lǐng)域從信用分數(shù)利率、債券、基金到學費減免。這些建議是明智的,消費主義的,你可以把它作為一本百科全書看待。用小錢做大事的10000種方法由聰明的面包的作者一樣，是一本叫人在生活中如何節(jié)省一分一毛的優(yōu)秀的著作。聰明的面包是一個教人省錢的網(wǎng)站，而這本書教于你如何進行一次省錢的約會、餐會，免費的衛(wèi)生保健及節(jié)省旅游開支。它沒有那么詳細但投資的領(lǐng)域卻接近我們的生活。唉,出版商似乎過于討價還價就連在中國的印刷費也很低。雖然講得不錯，但卻不容易操作。不再被剝削作者Bob Sullivan。沙利文寫了一篇博文叫“繁文縟節(jié)史 “在MSNB(/)上,他是一個深受消費者喜愛的出色的說故事的人。這本書內(nèi)容涉及銀行、保險公司、手機服務(wù)等。學習質(zhì)疑和交易的事宜，可避免人們在生活中成為受騙者。錢的比率 作者Charles Farrell。為什么不把管理家庭財政當做是做生意一樣呢？Farrell在這方面是一個有可信的經(jīng)理人。他比做生意的人更常用比率，例如債資比例，資本與收入比率，知道這些能讓人們明白他們究竟在做什么。這本書語言直接并有許多數(shù)據(jù)支持，比如它會告訴你究竟存多少錢及為保險該支出多少。2009財政急救藥箱 作者Nolo Press。它集書與DVD于一體。它包括了Nolo其他的一些暢銷書信用修復與忙碌家庭的財政指導。Nolo無疑是一位出色的叫人進行自助的引導者。這些書和DVD的內(nèi)容很清晰，語言簡潔。因此你能輕松處理家庭采購，離婚，做生意，金融數(shù)字及法律事務(wù)。如何致富 作者Ramit Sethi。Sethi是一個20左右的博客。這本書匯集了最受年輕人喜歡及明智的建議。不借助于使用信用卡緩解金錢壓力，在一些事務(wù)中，例如車子和婚禮中，它教予個人如何開始投資,節(jié)省金錢。附有小技巧和圖表,容易閱讀、理解和運用。你讀過的最棒的關(guān)于退休的書籍 作者Daniel R. Solin。好的,也許這書名有點吹噓。但它非常適合那些退休或是臨退休的人。書中每一章大約兩頁長，在每一章結(jié)尾附有建議。它涉及如何分配你的退休金和存款，哪里可以獲取投資建議，如何應(yīng)對反向貸款，養(yǎng)老金，終生保險，資金計劃等等。讀過之后，你或許要發(fā)更多時間去研究及收集適合自己的規(guī)劃，但這絕對值得。Why Christmas is getting increasingly popularKindergarten children, invited by an office buildings property department, sing carols on Christmas Eve at the building in Beijing December 24, 2009.AgenciesIf you visit southern cities in China nowadays, you can feel an overwhelming Christmas atmosphere everywhere. Santa toys are hanging from store windows; decorated Christmas trees are sparkling inside hotels and restaurants, and pedestrians are walking along the street with Santa toys in their hands.Why does such a foreign festival as Christmas become so popular? I think it is basically because it has a cultural tradition and a human touch. Just imagine how excited kids will be when a smiling Santa knocks at the door and distributes gifts; and how romantic lovers will feel when they are receiving roses from each other. Its not strange that the holiday is getting increasingly popular among young people.Although some traditional Chinese festivals also have rich cultural traditions, they are too closely related to eating. For example, the presents of the spring festival are usually preserved ham, and eating moon cakes is always the theme of the Mid-Autumn Festival. The winter solstice is a time to slaughter chickens and ducks. However, more and more Chinese people, especially younger ones, have lost interest in food. In comparison, people may be more jealous of those young children who receive a gift they have always wanted during Christmas. It is not necessarily a bad thing to celebrate a foreign festival, nor should we label it as foreign worshipping. And we should not feel too nervous about our own tacky holidays. With rising living standards, its natural for people to seek more healthy lifestyles. As a country with a long history and brilliant culture, how can we make our traditional holidays most tasteful? How can we design elegant and practical gifts? And how can we create a healthier and more entertaining festival culture?These things seem like trivial thoughts, yet they concern the development of the spiritual civilization. Six last-minute suggestions to add sparkles to your Christmas spiritWinter wonderland fun From Olympic stadium to racetrack, the multi-functional Birds Nest has obtained a new identity just in time for Christmas and this one is much cooler. The Birds Nest is hosting its own winter Olympics, offering visitors the chance to ice skate, ski, and explore the National Stadium filled with snow.Price: 120 yuan on the weekdays, 180 yuan on the weekendsParty timeFor some, Christmas is a family event. For others, its a reason to get wild and spread some Christmas cheer. For those who are looking for a wild time, Beijing has several bars hosting Christmas parties.Partygoers wishing to engage in a more nostalgic noel jam can listen to 80s tunes at the Alfa bars 80s Jingle Bell Rock party. The bar is offering free cocktails to those in red and for ladies until midnight. Party starts at 9 pm and goes all night long.Price: freeAdd: 6 Xingfu Yicun, GongtiBy now, its safe to say that most are getting bitter from the biting cold. Step outside the mentality of winter by attending The Boat bars Tropical Xmas party. They are gifting guests two cocktails and finger foods for the 100-yuan entry fee.Price: 100 yuanAdd: 8 Liangmahe South Road, SanlitunReligion (English service)Christmas Day Mass is an integral part of celebrating Christmas. Beijing caters to Christians of most denominations by offering Christmas Masses in English.The Eastern Cathedral, 74 Wangfujing Dajie; English service at 4 pmXuanwumen Church, 141 Qianmenxi Dajie; English services at 10:30 am, 1:30 pmStaying warm Rest in the comfort of your own home by hosting a Christmas Movie Marathon with family and friends. Watching Christmas classics such as A Christmas Story and National Lampoons Christmas Vacation is an especially frugal choice if youve just spent a fortune on a fancy Christmas Eve dinner.Price: freeFamilyOne of the most memorable Christmas day activities most Western children remember is going on holiday drives to check out the crazy neighbors Christmas decorations. Wander and gaze at the second largest LED screen in the world as it casts cheerful glows over Christmas trees at The Place shopping mall. It is possibly one of the most decorated areas in Beijing and for those who have never been there, the screen itself is enough to bring joy.圣誕節(jié)為