Take care to look at how the end of the year award "money begets money".

<P> Many people get before the end of the year award, are contemplating how to spend this year-end awards, travel, shopping, your parents will choose a project of some people, there are some people consider how to spend this money wisely, .reasonably configured to money "students" of money. .Experts said that financial management must start from the bit of life, the abundant use in a financial year-end awards or bright. .</ P> <P align=center> </ P> <P> several thousand to as many as thousands of year-end award has brought us joy, but also the financial capacity of our present challenges. .Take care of year-end awards, you can make money, "students" of money; care is not good, not only can not appreciate, but also may be devalued. .How to make money year-end awards, "students" money? .</ P> <P> First of all, like to take this opportunity to sort out what the current financial situation, for example, current assets, liabilities, how much, how last year's investment income, etc.; Subsequently, the development of a new year's financial plan and financial goals, such as ., what the new year will be important to consumer spending, how much financial gain is expected; Finally, financial plan and financial objectives under the selection of specific methods and tools of financial management. .</ P> <P> in the choice of financial management and products, be sure to invest in China in 2008 financial market, the opportunities and risk analysis. .Traditional stocks, funds, bonds, financial products and other financial instruments may be new in 2008, the performance is still an important reference for public finance and investment. .In addition, in 2008 the public could also consider a number of asset securitization business, this type of income higher than the national debt. .</ P> <P> end of the year award though generally at the beginning of a one-time payment, but experts warned the public is best not to put the money in the beginning of all for some illiquid investment because, as the market situation changes, may be .will yield better products constantly available, so the public can choose to buy with part of the end of the year award temporary money market funds, to be the right time to do other investments. .</ P> <P>, of course, depending on family circumstances, different amount of bonus the way care is different. .We collected a few typical cases, readers want to reference. .</ P> <P> end of the year awards about 5,000 </ P> <P> financial figures: Miss Fang, 26 years old </ P> <P> foreign staff </ P> <P> equivalent to the first of this year's year-end awards .13 months salary, about 5,000 </ P> <P> Family: Miss Fang is single, annual income of about 6 million, not buyers, but the recent purchase plans. .Currently 5 million bank deposits, in addition to 3 million purchase of money market funds. .</ P> <P> financial plan: In addition to taking into account their social security than no security, Miss Fang intends to use to select some part of year-end awards for their commercial insurance; the remainder continue to buy money market funds, as the purchase of Fund .reserve. .</ P> <P> financial advice: buy some commercial insurance is necessary for the other lady, but she is currently single, not too many family responsibilities and burdens of a medium level of income, taking into account the needs and protection of her .affordability, priority should be to purchase some personal accident insurance and critical illness insurance. .</ P> <P> to Miss Fang's current economic strength, buyers still have some difficulties, even if the down payment can be solved, but the repayment pressure remains high. .In view of Miss Fang was still young, you could take some money to "recharge" to improve their own abilities and qualities for promotion and salary increase for future chips, which the other lady, perhaps the most valuable investment. .</ P>.