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This REVIEW: a new generation of young people to learn to pay more attention than their parents family financial planning, especially in the financial crisis and the current U.S. debt has shrunk, the lesson to tell me that we, after the money values ​​of 90 tend to be more rational consumption.

North Youth Cai Jing

new generation of young people to learn to pay more attention than their parents family financial planning, especially in the U.S. debt crisis, the lesson to tell me that we, after the money values ​​of 90 tend to be more reasonable consumer.

using the This financial management how to cultivate it? Getting money is not a good way off, the children always have a few pocket money, school farther away, the road will inevitably be useful to place. Friend said, you try my way, the normal fixed monthly amount of pocket money. If she wants some of the non-essentials, small pieces firmly rejected, large and useful to her, you give her credit.

loans: a fixed monthly pocket money a child as her fixed income.

you buy something based on her, and her communication to determine the repayment period, monthly for the amount due a certain amount of money interest. Thus, in agreement, while only things she wants to meet the desire to do what she did not know and can avoid spending money.

case: son like football, a game he wanted to live Guo’an, friends to make 200 yuan a ticket. Friends that watch itself is no problem, but the ticket value is relatively high. So she said to his son, tickets are $ 200, mother to lend to you, you 200 yuan per month in pocket money to lose $ 20, ten months to pay off, more a month as interest deduction.

children to think a bit, feeling less 20 yuan a month will not unduly affect their spending, to pay a month as interest is reasonable. In this way, mother and son to reach a consensus, the son looked at football, his mother nurtured him financial management habits. From there then, as long as children have large requirements, up to one year loan period, he will be able to measure the ability to undertake, not to determine credit loans.

contrast, after the U.S. financial culture of the Road 90

U.S. 90 after the money and financial management concepts and knowledge about the situation

investment and financial knowledge to understand and master specific projects related to knowledge the proportion of shopping to find cheap items on the know how to write a check 66% 60% know the difference between debit and credit cards to learn how to budget 60% 57% know how to protect personal information on the network know how to build a good 50% 38% of the financial credibility of clear bank checking account balance is calculated on 35% can read the monthly bank and credit card accounts table to know how to manage credit card 35% 35% know how to calculate credit card interest rates and about 31% of the cost of credit card credit score meaning 31% know how to pay personal income tax 22% of the known 401 (k) retirement plan features 17%
American teenagers want to know the knowledge of finance and investment finance and investment knowledge

share of all adult proportion What kind of insurance to buy 62% of how to invest to make capital gains 61% personal income tax to pay provincial taxes on 53 percent of the reasonable ways and means of saving 51% on how to obtain larger loans to finance 49% of how to manage credit card 43% of budget 40% How to protect yourself on the Internet personal information 40%
U.S. 90 after the financial crisis a lot of lessons learned. The first lesson, more than half of the respondents said that in life it is important that there is enough emergency money to deal with unexpected things happen. Lesson two is that the economy is good, well-off family life, people will spend money freely, earn dare take this fact is not desirable. Lesson three is to understand the consequences of borrowing without Jie Du is very serious, if not the amount of feed as a family is easy to fall into a debt crisis.

young people to earn money for most of the United States, 90 people described themselves as 73% of respondents said that having adequate emergency savings, economic hard times will not prevent the trouble is very important. 90 U.S. savings has two main objectives, the first in order to build on the college expenses, and second, to the emergency. On average, the average amount of savings of young people interviewed for the $ 966.

save money: Many young people in the United States will be the beginning of high school to work on weekends or holidays, the ability to foster self-reliance and habits of the other, more extensive contact with the community to understand the social . In the young people surveyed, 67% of people with work experience, 59% of the people at the get some pocket money from their parents. On average, young workers can earn $ 1,631 a year,home loans, and get pocket money from their parents out of approximately $ 852 per year. There are some young people still in high school during the period of borrowing, 28 percent of the youths interviewed to parents, students and friends to borrow money, the average amount of $ 252 borrowing money.

a windfall if the fall from the sky, such a prize, the parents gave a lot of money, U.S. 90 will spend the money to do? Survey results are very interesting, if not more than the amount of money, most people will choose to spend the money. If the amount is high, most people will put money up for university education. For example to get $ 500, 60% of 90 said they would use the money to buy popular items such as clothing, electrical appliances, only 40% of people said would save up the money. Conversely, if the money is $ 5,000 received, eight young people will save up the money, only 20% of people said they would spend the money. Most youngsters

savings account

many businesses regard the youth as consumer spending power in most of the crowd, in fact, not because young people themselves can spend, and is what the children are now parents are willing to spend money, are willing to spend. From the food, wear, use, and from investment in education to the modern high-tech products, parents of the child’s requirements are often responsive. Parents of children American families far less investment in big Chinese parents, but in modern technology products on the rate of American children have the opportunity to enjoy higher.

average, U.S. 90 is $ 18.5 per week pocket money, mainly to buy snacks. 84% of U.S. teenagers own cell phone, 76% of people have iPod and MP3. 66% of young people have their own computer, 46% of people have their own TV. The United States is a car of the Kingdom, so 16 to 18-year-olds are not the lowest percentage of car ownership, 27% of people own their own cars, of course, most parents will buy a car, and often the parents as a child 16 years old birthday dedication of love. In the savings and financial products, 54 percent of the 90 United States to open bank savings account, 42% of people hold credit cards or debit cards, 33% of people in the bank to open a checking account. (Integrated Network Case)

in Wuwei City, according to the National Women’s random survey , 94.4% of the loans increased women’s income over $ 5,000 . People were blown away by this

Information Office of Gansu Provincial Government held a press conference on August 10 , said Gansu women small secured loans has exceeded 100 billion yuan , completed five months ahead of target this year . Gansu became the first province exceeded 100 billion yuan .

August 2009 , was identified as secured financial interest loans women small work since the pilot provinces , Gansu Province, seize the opportunity , efforts to promote women’s Gansu Province, the rapid development of small loans work . Currently, Gansu Province has accumulated to support the employment of 266,800 urban and rural women’s entrepreneurship , driven 1.6 million people to get rich. Not only a great solution to women’s entrepreneurship, employment problems, increased women’s income , improve the family status of rural women , more urban and rural industrial development into a strong financial motivation . Borrowed money , women have built a growing focus on the characteristics of contiguous , large-scale breeding base , make an inventory of the private capital , attract more capital, technology and projects a rich , more of the party.

the same time, Gansu Province,home loans, discount women’s micro- finance loans guaranteed work development, but also promoted the work of small loans , Gansu Province of extraordinary development. As of the end of June this year , Gansu Province has a total grant small loans 12.67 billion yuan .

the end of July this year , Gansu Province has a total payment of women small loans 10.263 billion yuan . Which, in 2009 issued $ 500 million loan , has been the central government discount 20.26 million yuan ; 2010-2011 first quarter of 6.263 billion yuan discount loan application has been submitted to the Ministry of Finance , the central government will be subsidized 255 million. In addition , in 2009 5.44 billion loan lending , have been scheduled full repayment , repayment rate of 100 %.