小七木瓜
理财，英文名为 Financing ，属于一个金融范畴的专业术语，具体是指个人对自己对的财务资金进行管理，旨在为了实现使财务保值、甚至于增值的目的。理财一般可以依据理财主体的不同，分为公司理财、机构理财、个人理财以及家庭理财等等类型。
1、回顾自己的资产情况：投资者在进行投资理财的时候，需要考虑自身的存量资产以及未来预期收入；
2、设定理财目标：投资者在进行理财投资的时候，需要合理安排好自己的理财时间、设定理财目标；
3、明确风险类型：投资者在进行投资理财的时候，需要考虑到主、客观等各种因素的影响；
4、资产分配战略性：投资者在进行投资理财的时候，需要对自己现有的资产进行合理的分配。除此以外，投资者还需要考虑投资的品种、投放价值以及投资时机的选择。
地球是个圆曲奇
理财指的是对财务进行管理，人们的生活与理财密切相关。那么你知道理财用英语怎么说吗?现在跟我一起学习关于理财的英语知识吧。
financing
manage money matters
企业理财 Enterprise Financing ; enterprise management of money matters ;
理财商数 FQ ; MQ ; Financial Intelligence Quotient
理财业务 Project Ten Investment ; Financial Services ; Wealth management ;
精明理财 smart money ; MoneySense ; Money Compass ; Money
轻松理财 XP ; Easy Money
优先理财 Priority Banking
青年理财 MMBiz ; My Money Business
理财市场 financial markets ; wealth management market ; finance market ;
1. Which bank offers you the service that best suits your financial needs?
哪家银行提供的服务最适合您的理财需求?
2. We'll help you look after your finances.
我们将会帮您理财。
3. He is good at managing money matters.
他很会理财.
4. You should refuse to meet anyone who cold calls with an offer of financial advice.
你应该拒绝和那些贸然打电话提供理财建议的陌生人见面。
5. Many financial planners now recommend against ever fully paying off your home loan.
现在许多理财专家不建议人们把住房贷款全部还清。
6. Some people may manage their finances badly and therefore have to go short of essentials.
有些人可能极不善于理财，因而不得不缺衣少食地将就过活。
7. She's not a very good manager, she always spends more money than she earns.
她不大会理财, 总是入不敷出.
8. You could end up committed to yet another savings scheme and none the wiser about managing your finances.
你可能最终又会把钱投入另一个储蓄计划，在理财方面丝毫没有变得明智些。
9. He got the position on the strength of his skill in finance.
他凭着自己的理财本领得到了这个职位.
10. Everybody in Detroit knew that Chrysler was run by financial men.
在底特律,人人都知道克莱斯勒公司是由善于理财的人经营的.
11. Cowperwood's innate financial ability did not reassure Stener in this hour.
柯帕乌天赋的理财才能在这时候却不能再鼓舞斯坦纳的信心.
12. The great artists of finance like Morgan and Rockefeller weren't deflected.
象摩根和洛克菲勒这样伟大的理财家是不会被引入歧途的.
13. This is prudent finance, not unsound finance.
这是谨慎的理财 方法 , 而不是不健全的理财方法.
14. His wife is a prudent manager of money.
他妻子是一位审慎的理财人.
15. The seven hundred, by his process of handling, had only carried them into June.
由他来理财, 那700块钱只将他们维持到了6月份.
The savings mistakes range from directly buying company stock to not saving for retirement.Here are the worst savings mistakes that you may be making:
存钱的误区有很多，包括直接购买公司股票、放弃存储退休金等。下面列举一些大家可能正在迈入的存钱误区：
1.You don't have a savings account.
1.没有储蓄账户
Just 51 percent of American families have a savings account, according to the Fed's survey. Having a savings account is critical for being able to save over the long term.
根据美联储调查，仅有51%的美国家庭拥有储蓄账户。从长远考虑，拥有储蓄账户对于存钱非常重要。
2.You aren't saving for retirement.
2.放弃储蓄退休金
Only 35 percent of families have an employer retirement plan, 28 percent of them have an individual retirement account (IRA), and 13 percent have both types of accounts, according to the Fed's survey.
根据美联储调查显示，仅有35%的美国家庭可以享受企业养老金计划，28%的家庭拥有私人养老金账户(IRA)，13% 的家庭两种都有。
3.You have bought a few stocks directly from the stock market.
3.直接从股市购进股票
29 percent of families directly hold one stock, and 53 percent of families directly hold 2 to 9 stocks, according to the Fed's survey. People that aren't investing for a living are likely to lose money by buying individual stocks because they are being outsmarted by professional traders, high-frequency traders, and professional investors that have studied companies' fundamentals closely. Diversification, on the other hand, insulates you from individual companies' mistakes and allows you to benefit from the economy's general growth.
根据美联储调查显示，29%的家庭直接持有一支股票，53%的家庭直接持有2到9支股票。为投资获利而购买个股很容易赔钱，因为一般人很难胜过专业人士，这些职业操盘手、高频交易员和职业投资人早已把各个公司的经营状况仔细研究过了。从另一方面来讲，多元化的投资方式会让你免受私人企业失误的牵连，而且会让你享受整体经济增长所带来的好处。
4.You chose your bank because it is close to you, not because of what it has to offer.
4.选择银行只为方便，而不是它为你所带来利益。
46 percent of households said they chose the location of their checking account because of the "location of their offices," according to the Fed's survey. Convenience is good, but it's even better to not have to pay crazy fees.
根据美联储调查显示，46%的家庭表示他们选择存款银行的依据是“公司所在地”。方便固然很好，但是如果还不用缴纳高额的费用岂不是更好。
5.You don't have a checking account.
5.没有活期存款
10 percent of families do not have a checking account, 59 percent of whom are in the bottom income quintile, 51 percent are headed by someone younger than age 45, and 66 percent of whom were minorities, according to the Fed's survey. Having a checking account is important for keeping track of your finances.
根据美联储调查显示，全国10%的家庭没有活期存款，其中的59%都是收入最低五分之一家庭，另外51%为年龄在45岁以下人口，在这群人中，66%为少数裔。拥有活期存款对于保证自己的财政状况非常重要。
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