Getsmartwithmoneybooks.doc

黄山英 07A班 48号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. 做一个明智的购书者华盛顿最近书店架子上摆上了不少的关于个人理财的好书它们可以帮助你更好地管理你的钱或为你的退休计划出一份力。但是书中有好有劣，所以选择正确的那一本成为成功的关键。一本好的理财书可以是一份送给自己的礼物，尤其是在你在节庆时期收到一些书券。如果没有，不妨到当地的一些书店找找看。以下列出一些是当前公认的畅销书的概况Jane Bryant Quinn写的成分利用你的钱。这本1242页的精装书不仅仅是一本经济类的书,更是一本健身的书。拿着它做10次抬举有利于塑造肌肉。随意地读10页你会学到懂得如何处理你的财务状况的智慧。当然,Quinn是写个人理财书籍的女王，同时这本新书涉及的领域从信用分数利率、债券、基金到学费减免。这些建议是明智的,消费主义的,你可以把它作为一本百科全书看待。用小钱做大事的10000种方法由聪明的面包的作者一样，是一本叫人在生活中如何节省一分一毛的优秀的著作。聪明的面包是一个教人省钱的网站，而这本书教于你如何进行一次省钱的约会、餐会，免费的卫生保健及节省旅游开支。它没有那么详细但投资的领域却接近我们的生活。唉,出版商似乎过于讨价还价就连在中国的印刷费也很低。虽然讲得不错，但却不容易操作。不再被剥削作者Bob Sullivan。沙利文写了一篇博文叫“繁文缛节史 “在MSNB(/)上,他是一个深受消费者喜爱的出色的说故事的人。这本书内容涉及银行、保险公司、手机服务等。学习质疑和交易的事宜，可避免人们在生活中成为受骗者。钱的比率 作者Charles Farrell。为什么不把管理家庭财政当做是做生意一样呢？Farrell在这方面是一个有可信的经理人。他比做生意的人更常用比率，例如债资比例，资本与收入比率，知道这些能让人们明白他们究竟在做什么。这本书语言直接并有许多数据支持，比如它会告诉你究竟存多少钱及为保险该支出多少。2009财政急救药箱 作者Nolo Press。它集书与DVD于一体。它包括了Nolo其他的一些畅销书信用修复与忙碌家庭的财政指导。Nolo无疑是一位出色的叫人进行自助的引导者。这些书和DVD的内容很清晰，语言简洁。因此你能轻松处理家庭采购，离婚，做生意，金融数字及法律事务。如何致富 作者Ramit Sethi。Sethi是一个20左右的博客。这本书汇集了最受年轻人喜欢及明智的建议。不借助于使用信用卡缓解金钱压力，在一些事务中，例如车子和婚礼中，它教予个人如何开始投资,节省金钱。附有小技巧和图表,容易阅读、理解和运用。你读过的最棒的关于退休的书籍 作者Daniel R. Solin。好的,也许这书名有点吹嘘。但它非常适合那些退休或是临退休的人。书中每一章大约两页长，在每一章结尾附有建议。它涉及如何分配你的退休金和存款，哪里可以获取投资建议，如何应对反向贷款，养老金，终生保险，资金计划等等。读过之后，你或许要发更多时间去研究及收集适合自己的规划，但这绝对值得。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.圣诞节为