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银行个人理财战略中英文对照外文翻译文献随着全球化的深入推进，个人理财的重要性日益凸显。
在众多金融机构中，银行以其专业的服务和丰富的产品线成为了人们进行个人理财的首选。
本文将对银行个人理财战略的中英文对照外文翻译文献进行探讨。
银行个人理财战略是指银行为个人客户提供的一种全方位的财富管理服务，包括投资、储蓄、保险、信托等。
通过制定和执行个人理财战略，客户可以有效地进行财富的积累、保值和增值。
投资策略：根据客户的财务状况和风险承受能力，制定合适的投资策略，包括股票、债券、基金、房地产等。
储蓄策略：通过定期存款、通知存款、活期存款等方式，实现资金的保值和增值。
保险策略：为客户推荐合适的保险产品，如寿险、意外险、健康险等，实现风险的有效转嫁。
信托策略：为客户提供个性化的信托服务，满足其特定的财富管理需求。
了解客户需求：通过问卷调查、面谈等方式，了解客户的财务状况、风险承受能力、投资目标等。
制定理财方案：根据客户需求，制定个性化的理财方案，包括投资策略、储蓄策略、保险策略、信托策略等。
定期评估与调整：定期对客户的理财方案进行评估，根据市场变化和客户需求进行调整。
银行个人理财战略是现代社会中个人财富管理的重要组成部分。
通过制定和执行合适的个人理财战略，客户可以有效地进行财富的积累、保值和增值。
银行也需要不断地优化其个人理财服务，提高服务质量，满足客户的个性化需求。
在全球化的大背景下，对银行个人理财战略的中英文对照外文翻译文献进行探讨，不仅可以促进国内银行提升个人理财服务的水平，也可以帮助国内银行更好地走向国际市场，服务于全球客户。
随着经济的发展和人民收入水平的提高，个人理财业务逐渐成为银行业务的重要组成部分。
本文以中国建设银行个人理财业务为研究对象，对其战略进行研究，旨在提高该行个人理财业务的竞争力，更好地满足客户需求。
中国建设银行是我国五大国有商业银行之一，拥有丰富的金融资源和良好的品牌形象。
近年来，该行个人理财业务发展迅速，但也暴露出一些问题，如产品同质化严重、客户服务不到位等。
家庭理财模板合理规划家庭开支家庭理财模板：合理规划家庭开支在现代社会，家庭理财是一项至关重要的任务。
合理规划家庭开支不仅能够帮助我们更好地管理资金，还能为家庭的未来打下坚实的经济基础。
接下来，我将为您详细介绍一个家庭理财模板，帮助您有效地规划家庭开支。
一、设定明确的理财目标首先，我们需要明确家庭的理财目标。
这可以是短期的，比如为即将到来的假期储备资金；也可以是中期的，如购买一辆汽车；或者是长期的，例如为子女的教育储备资金、为自己的退休生活做准备。
明确的理财目标能够为我们的开支规划提供方向和动力。
例如，如果您的短期目标是在一年内储备 2 万元用于假期旅游，那么每月就需要预留约 1667 元。
如果中期目标是在三年内购买一辆 15 万元的汽车，每月则需要储蓄约 4167 元。
而长期目标如在 20 年后储备 200 万元用于退休，每月可能需要储蓄约 4167 元（假设年投资回报率为 5%）。
二、进行家庭财务状况盘点了解家庭的财务状况是规划开支的基础。
我们需要列出家庭的所有收入来源，包括工资、奖金、投资收益、租金收入等，并计算出每月的总收入。
同时，也要详细列出所有的支出项目，如房租或房贷、水电费、食品杂货、交通费用、保险费用、娱乐消费等，计算出每月的总支出。
通过比较总收入和总支出，我们可以清楚地了解家庭的收支状况。
如果收入大于支出，说明有一定的储蓄空间；如果支出大于收入，就需要思考如何削减开支或者增加收入。
三、制定预算在了解了家庭的财务状况后，我们可以开始制定预算。
预算是对未来一段时间内家庭收支的计划安排，它能够帮助我们控制开支，确保资金用在刀刃上。
首先，将支出分为固定支出和可变支出。
固定支出包括房租或房贷、水电费、保险费等，这些费用通常比较稳定，每月的金额变化不大。
可变支出包括食品杂货、娱乐消费、服装购买等，这些费用可以根据实际情况进行调整。
对于固定支出，我们按照实际金额进行预算。
对于可变支出，可以根据以往的消费情况和理财目标进行合理的估计。
家庭理财规划范文3篇Family financial planning model家庭理财规划范文3篇前言：个人简历是求职者给招聘单位发的一份简要介绍，包括个人的基本信息、过往实习工作经验以及求职目标对应聘工作的简要理解，在编写简历时，要强调工作目标和重点，语言精简，避免可能会使你被淘汰的不相关信息。
写出一份出色的个人简历不光是对找工作很有用处，更是让陌生人对本人第一步了解和拉进关系的线。
本文档根据个人简历内容要求和特点展开说明，具有实践指导意义，便于学习和使用，本文下载后内容可随意调整修改及打印。
本文简要目录如下：【下载该文档后使用Word打开，按住键盘Ctrl键且鼠标单击目录内容即可跳转到对应篇章】1、篇章1：家庭理财的职业生涯规划书2、篇章2：家庭理财的职业生涯规划书3、篇章3：家庭理财的职业生涯规划书制定好职业生涯规划书，家庭理财人员的成功必定会在前方。
以下是小泰精心推荐的一些家庭理财的职业生涯规划书，希望你能有所感触!篇章1:家庭理财的职业生涯规划书一、前言对每一位大学生而言，进入大学时一个人一生当中重要的里程碑，大学阶段为未来工作和生活做着相应的准备。
当今的社会，人们越来越重视自我的发展完善和实现，这要求我们对自己的未来做出一个全方位的统筹规划，帮助我们选择一条最正确的适合自己的道路。
二、自我分析1、个人成长（1）家庭环境分析、我生长在一个的普通的家庭，父亲对工作严谨细心、对事业积极进取、为人真诚善良。
母亲温柔娴淑、勤劳善良、心思细腻而有耐心。
（2）性格分析我是一个性格开朗乐观的人。
大多数人对我的评价是随和、踏实、做事有责任心。
对人真诚，对工作负责，具有较强的协调能力，对环境具有较强的适应能力。
我的兴趣爱好广泛，喜欢读书，有较广的知识面。
同时，擅长体育运动项目。
但是我的性格中还存在着缺点。
如自制力不够强。
有时立场不够坚定，容易优柔寡断。
做事情不够果断，2.能力优势（1）专业技能：微观经济学、宏观经济学、商务礼仪、国际贸易、市场营销学原理、经济数学。
家庭理财规划范本从您提供的情况来看，您是一名外资企业的工程师，月收入属于中等程度，虽然不是太高，但是您正处于事业蓬勃开展的阶段，收入应该会逐步上升。
您的妻子是一名医生，工作比较稳定，福利待遇应该也不错，但将来收入方面可能不会太多的进步。
您的孩子三个月后即将出生，从您提供的情况看，您每月的结余不算太多。
孩子出生后家庭支出会进一步进步，而且将来还要为孩子的安康、教育不断投入。
想必如何降低孩子成长费用缺乏的风险是您比较关注的问题。
您的家庭正处在稳定开展阶段。
之前您和妻子已经通过辛勤工作，积累了一定的经济根底，家庭正处于财富积累阶段。
您已经拥有了一套住房和一定的储蓄，而且您负债比较少，所以可以考虑进展一定的投资。
生活需要规划，财富需要打理，你不理财，财不理你。
在当今社会从传统储蓄型向投资理财时代转型的过程中，顺应潮流，积极投资，科学理财，才会拥有美妙的明天。
下面我们将对您的家庭财务及收支情况等作一个详尽的分析。
此根底上，从您和妻子的养老，孩子成长费用和投资方面提出一套可供参考的理财建议，希望能为您的家庭将来进步生活质量带来帮助。
对家庭财务现状进展剖析是家庭理财规划的起点。
假设没有安康的财务现状，那么一切美妙的将来都无从谈起。
根据您的家庭财务报表，我们为您绘制了相关比例构造饼图，并做出了各项构造图的分析，详细如下表1：家庭资产负债图1：家庭资产构造图1）家庭资产构造分析您的家庭资产构造比较简单，流动性资产（定期存款）占6%，这意味着即使发生一些意外情况家庭也能凭借流动性资产维持一定时间的开支。
但是这样的资产构造显得比较保守，我们认为您可以适当转移一部分流动性资产做一些投资。
表2：家庭月度收支状况表（不考虑年度收支工程）表3：家庭年度收支状况表图2：家庭年度收支情况2）家庭收支情况您的年度支出中，日常生活费用占34%，房贷支出占21%，旅游、养育小孩和人情支出及其它各占11%，保姆工资占8%，保险费占4%。
家庭理财规划书1. 背景介绍我们是一家由父母、子女组成的中产阶级家庭，生活稳定，目前没有严重的债务负担。
然而，在面对未来的教育、养老、应急等需求时，我们意识到需要制定一份家庭理财规划书，以确保我们的财务状况持续稳定，并能够更好地应对未来的需求。
2. 资产目标我们的资产目标是实现财务自由，即拥有足够的可支配资金来满足我们的各项需求，包括：子女教育、养老、投资、旅行、购房等。
我们希望通过明确的目标和合理的规划，实现长期财务稳定和增值。
3. 收入与支出我们将仔细分析和评估我们的收入情况和支出情况，以确定可供投资和储蓄的额度。
我们将制定一个详细的家庭预算，包括每月的固定支出和灵活支出，以确保收支平衡。
4. 储蓄与投资为了实现财务目标，我们将优先考虑储蓄和投资。
我们计划在每月收入的15%用于紧急储蓄和长期储蓄。
紧急储蓄将用于不可预见的突发事件，例如医疗费用、意外费用等。
长期储蓄将用于养老金计划和重大投资。
5. 子女教育储备计划我们非常重视子女的教育，希望他们能够接受良好的教育，为未来的发展打下坚实的基础。
为此，我们计划每月将一定比例的收入用于子女教育储备。
我们还计划定期评估和更新教育储备计划，确保资金的合理运用和有效增值。
6. 养老计划我们要为自己的养老做好充分的准备。
我们计划建立养老金账户，并每月定期向该账户存入一定比例的收入。
我们也会考虑投资养老保险等金融工具，以增加养老金的积累和保值。
7. 投资计划我们计划将一部分资金用于投资，以期望获得更高的回报。
我们会通过深入研究和咨询专业人士，选择适合我们风险承受能力和投资目标的投资产品。
我们会定期评估投资组合，并根据市场情况进行适当调整。
8. 风险管理我们了解投资存在一定的风险，也明白我们的决策可能会受到经济环境、市场波动等因素的影响。
因此，我们计划建立紧急备用金作为风险防范措施，并购买足够的保险，以保障我们在意外情况下的财务安全。
9. 定期评估与调整我们意识到财务状况和需求会随着时间的推移而发生变化。
家庭理财规划建议书家庭理财规划建议书篇一：家庭理财规划建议书理财规划建议书致：王先生幸福之家 XX理财工作室成员：X X 目录第一部分：致王先生家的信函------------------------------------------------------------------------- 3第二部分：客户基本信息和基本财务数据------------------------------------------------------4 一：家庭基本信息--------------------------------------------------------------------------------------4二：当前家庭基本财务数据信息和诊断------------------------------------------------------------ 41、当前家庭资产负债状况---------------------------------------------------------------------------- 4 2、当前年薪等收入赋税表----------------------------------------------------------------------------5 3、当前年收入支出综合分析------------------------------------------------------------------------- 5第三部分：理财目标、风险分析和假设条件-----------------------------------------------------7 一：家庭理财规划目标------------------------------------------------------------------------------- 7二：风险偏好评估------------------------------------------------------------------------------------- 7三：假设条件及计算依据----------------------------------------------------------------------------7 第四部分：专项理财规划--------------------------------------------------------------------------------8 一：总分析及房产规划------------------------------------------------------------------------------- 8二：保险保障规划-------------------------------------------------------------------------------------- 9三：子女教育规划------------------------------------------------------------------------------------- 9四：旅游规划---------------------------------------------------------------------------------------------10五：退休养老规划-------------------------------------------------------------------------------------- 10六：赡养老人------------------------------------------------------------------------------------------- -10七：购车计划----------------------------------------------------------------------------------------------10 八：盈余规划---------------------------------------------------------------------------------------------10第五部分：风险提示---------------------------------------------------------------------------------------- 15第六部分：免责条款--------------------------------------------------------------------------------------- 15第七部分：反馈和检测----------------------------------------------------------------------------------- 15第一部分：致王先生一家的信函尊敬的王先生：非常感谢您们对我们工作的支持和信任。
家庭理财规划方案家庭理财一直是我们生活中不可忽视的重要部分。
合理的家庭理财规划可以帮助我们实现财务自由、规避风险、保证生活质量等目标。
而一个有效的家庭理财规划方案应该包括以下几个方面的内容：储蓄、投资、风险管理、退休规划等。
首先，储蓄是家庭理财的第一步。
在家庭收入中，我们应该尽量将一部分作为储蓄。
建议可以按照“10%规则”，即每个月将收入的10%作为储蓄。
这笔储蓄可以用于应急备用金、购买大件消费品、子女教育等。
其次，投资是提升家庭财富的重要途径之一。
投资可以分为股票、债券、房地产、基金等多种形式。
在投资之前，我们应该明确自己的投资目标、风险承受能力和投资知识水平。
建议可以选择通过指数基金等低风险、长期增值的投资方式进行投资。
同时，风险管理也是家庭理财中必不可少的一环。
我们可以购买保险来保障我们的家庭财务安全。
例如，家庭财产险、人身意外伤害险、重大疾病保险等。
此外，我们还可以定期进行家庭财务风险评估，及时整理账单、检查保险合同等。
最后，退休规划也是家庭理财中不可忽视的一环。
我们应该根据自身的年龄、收入、支出等因素，制定合理的退休规划。
建议可以通过养老金、投资等方式进行退休储备，以保证退休后的生活质量。
在制定家庭理财规划方案时，我们还应该注意以下几点：1.家庭成员共同制定规划：家庭成员之间应该一起参与制定家庭理财规划，共同商讨和决策，以保证家庭成员的利益最大化。
2.明确目标和时间：在制定家庭理财规划时，我们应该明确目标和时间框架，以便合理安排资金和投资方向。
3.定期评估和调整：家庭理财规划并不是一成不变的，我们应该定期进行评估和调整，根据实际情况进行相应的调整和改善。
4.理性投资，避免冲动消费：在投资和消费时，我们应该保持理性，避免冲动消费和盲目投资，以免造成财务损失。
5.寻求专业咨询：在制定家庭理财规划时，我们可以考虑寻求专业咨询，如理财师等，以获得更专业的建议和指导。
总之，家庭理财规划方案是一个综合性的、长期性的工作，需要我们全面考虑家庭收入、支出、风险偏好等因素。
家庭理财规划书家庭理财规划书FAMILY FINANCE PLANNING理财师：王蓓妍财务12032012209107192015-01-01目录一、客户基本情况（一）家庭基本情况（二）理财目标二、理财假设三、家庭财务报表四、家庭情况分析和诊断（一）家庭生命周期和生涯分析（二）家庭财务指标分析（三）家庭保险需求分析（四）家庭风险特征分析（五）敏感度分析五、家庭财务规划总体设计（一）资金需求分析（二）资金供给分析六、家庭保障计划（一）紧急预备金（二）家庭保险规划七、子女教育金规划八、购换房规划九、退休养老规划十、投资规划建议（一）家庭现有投资品分析（二）市场现有投资品种分析及建议（三）资产配置及相关投资建议十一、理财规划可行性分析十二、免责申明十三、结束语一、客户基本情况（一）家庭基本情况（二）理财目标1、希望为太太和女儿配置一些商业保险，降低家庭的财务风险。
2、约定在5 年内（即2015年前）还清朋友借款20 万元，并希望在2015年底以80万元购买单位经济使用房一套。
3、希望2015年时，女儿可以进好一些的民办初中，并早日为他储备好大学的教育金。
4、计划三年后换车，购买一辆30 万元的家用轿车。
5、计划在退休前，筹得夫妻两人的养老金150 万元。
理财目标二、理财假设1、预期通货膨胀率 =等于生活支出增长率，即 4%；2、预计每年收入成长率为5%；3、预计每年学费增长率为5%；4、预期未来房商业贷款基准利率（5 年期以上）为6%；5、公积金贷款基准利率（5 年期以上）为4%；6、每年房价增长率等于通货膨胀率；7、预期工作期间投资报酬率为8%，预期退休后:投资报酬率为4%。
8、预计寿命为80岁。
三、家庭财务报表家庭收支储蓄表项目金额工作收入205000 其中：薪资收入205000 其他工作收入0 减：生活支出92600 其中：子女教育金支出12000 家庭生活支出36000 其他生活支出44600 工作储蓄112400 理财收入44400 其中：利息收入14400 资本利得0其他理财收入30000 减：理财支出38146.71 利息支出36946.71 保障型保险保费支出1200其他理财支出0理财储蓄6253.29 储蓄118653.29四、家庭情况分析和诊断（一）家庭生命周期和生涯分析方先生今年38岁，方太太37岁，女儿12岁正上小学六年级，是标准的三口之家，家庭成员固定。
家庭理财模板合理规划家庭开支家庭理财模板：合理规划家庭开支在现代社会，家庭理财变得越来越重要。
一个合理的家庭理财规划可以帮助我们更好地管理收入和支出，实现财务目标，提高生活质量，并为未来的不确定性做好准备。
本文将为您介绍一个家庭理财模板，帮助您合理规划家庭开支。
一、设定明确的财务目标首先，我们需要明确家庭的财务目标。
这可以包括短期目标，如购买一辆新车、进行一次家庭旅行；中期目标，如为子女储备教育基金、装修房屋；长期目标，如为退休生活积累资金等。
明确的财务目标将为我们的理财规划提供方向和动力。
在设定目标时，要确保它们是具体、可衡量、可实现、相关和有时限的（SMART 原则）。
例如，“在两年内储蓄 10 万元用于购买一辆新车”就是一个符合 SMART 原则的目标。
二、了解家庭收入和支出接下来，我们需要对家庭的收入和支出有一个清晰的了解。
这包括每月的固定收入，如工资、租金收入等；以及各项支出，如食品、住房、交通、教育、娱乐等。
可以通过记录家庭收支流水账的方式来收集这些信息。
坚持记录几个月后，您就能对家庭的收支情况有一个较为准确的了解。
同时，还可以将支出分为必要支出（如房租、水电费、食品等）和可选支出（如旅游、娱乐、购物等），以便更好地进行分析和控制。
三、制定预算根据家庭的收入和支出情况，制定每月的预算。
预算是对未来一段时间内家庭收支的计划安排，它可以帮助我们控制开支，避免超支。
在制定预算时，要优先满足必要支出，然后根据财务目标和实际情况合理安排可选支出。
对于每项支出，都要设定一个合理的预算额度，并尽量严格遵守。
例如，如果您的家庭月收入为 15000 元，必要支出为 10000 元，那么剩下的 5000 元可以用于储蓄、投资和可选支出。
您可以将 2000 元用于储蓄，1000 元用于投资，剩下的 2000 元用于娱乐、购物等可选支出。
四、储蓄和投资储蓄是家庭理财的重要组成部分。
每月要设定一定比例的储蓄目标，将一部分收入存起来，以应对突发情况和实现长期财务目标。
外文文献翻译译文一、外文原文原文：one for the money guide to family financeIn the welfare session of the April 1975 general conference, Elder Marvin J. Ashton, a member of the Council of the Twelve, delivered the address from which this booklet is adapted. President Sp encer W. Kimball endorsed Elder Ashton’s message when in the same meeting he stood and said: “I have been thinking of many things since we came to this meeting. I endorse what Brother Ashton has said. I think if I were starting with a young family, I would want to get the twelve points explained by Brother Ashton and follow them explicitly myself and teach my children and my family and everybody with whom I came in contact. It is basic. All my life from childhood I have heard the Brethren saying, ‘Get out of debt and stay out of debt.’ I was employed for some years in the banks and I saw the terrible situation that many people were in because they had ignored that important counsel. “I agree with all that Brother Ashton has said . . . with regard to family financing in the home. Every family should have a budget. Why, we would not think of going one day without a budget in this Church or our businesses. We have to know approximately what we may receive, and we certainly must know what we are going to spend. And one of the successes of the Church would have to be that the Brethren watch these things very carefully, and we do not spend that which we do not have.”Recently I had the opportunity to visit with a choice young couple. They were to be married within the week. Their eyes sparkled in anticipation of the important event and with evidence of their continuing love for one another. Both had the advantages of college education, good homes, and cultural experiences. It was delightful to share their personalities, plans, and potentials. Their courtship already seemed appropriately launched on an eternal basis. During our interview, their responses to only one question gave me concern. I hope my anxieties and suggestions caused them toreassess their pending part nership. To the question, “Who is going to manage the money in your marriage?” she replied, “He is, I guess.” He responded, “We haven’t talked about that yet.” These comments surprised and shocked me. How important are money management and finances in marriage and family affairs? May I respond, “Tremendously.” The American Bar Association has indicated that 89 percent of all divorces can be traced to quarrels and accusations over money. Others have estimated that 75 percent of all divorces result from clashes over finances. Some professional counselors indicate that four out of five families are strapped with serious money problems.May I at this time hasten to emphasize the fact that these marriage tragedies are not caused simply by lack of money, but rather by the mismanagement of personal finances. A prospective wife could well concern herself not with the amount her husband-to-be can earn in a month, but rather with how he (and she) will manage the money that comes into their hands. Money management should take precedence over money productivity. A prospective husband who is engaged to a sweetheart who has everything would do well to take yet another look and see if she has money management sense.In the home, money management between husband and wife should be on a partnership basis, with both parties having a voice in decision- and policy-making. When children come along and reach the age of accountability, they too should be involved in money concerns on a limited partnership basis. Peace, contentment, love, and security in the home are not possible when financial anxieties and bickerings prevail. Whether we are anticipating marriage or are well into it, today is the time for all of us to review and repent as necessary to improve our money management skills and live within our means.As proper money management and living within one’s means are essential in today’s world if we are to live abundantly and happily, may I make some recommendations for improved personal and family financial management. The following twelve points will help each of us achieve this goal, I believe.1. LEARN TO MANAGE MONEY BEFORE IT MANAGES YOUA bride-to-be would do well to ask herself, “Can my sweetheart manage money? Does he know how to live within his means?” These are more imp ortant questions than, “Can he earn a lot of money?” Financial peace of mind is not determined by how much we make, but is dependent upon how much we spend.New attitudes and relationships toward money should be developed constantly by all couples. After all, the partnership should be full and eternal. Management of family finances should be mutual between husband and wife in an attitude of openness and trust. Control of the money by one spouse as a source of power and authority causes inequality in the marriage and is inappropriate. Conversely, if a marriage partner voluntarily removes himself or herself entirely from family financial management, that is an abdication of necessary responsibility.2. LEARN SELF-DISCIPLINE AND SELF-RESTRAINT IN MONEY MATTERSLearning how to discipline oneself and exercise constraint where money is concerned can be more important than courses in accounting. Young couples should recognize that they cannot immediately maintain the same spending patterns and life-style as that to which they were accustomed as part of their parents’ family. Married couples show genuine maturity when they think of their partner’s and their family’s needs ahead of their own spending impulses. Money management skills should be learned together in a spirit of cooperation and love on a continuing basis. A disgusted husband once said, “I think that in life money talks, but when my wife gets hold of it, all it ever says is ‘good-bye.’ ” To the husband who says his wife is the poorest money manager in the wo rld, I would say, “Look in the mirror and meet the world’s poorest teacher-trainer.” We live in a self-indulgent, me-oriented, materialistic society. Advertisements entice young buyers by demonstrating how easy it is to get credit and buy on time. Interestingly, no ads focus on the glamour of paying the money back, nor do they mention how long or hard it is to do just that—especially with the unavoidable interest added on.3. USE A BUDGETEvery family must have a predetermined understanding of how much money willbe available each month and the amount to be spent in each category of the family budget. Checkbooks facilitate family cash management and record-keeping. Carefully record each check when written and balance the checkbook with the monthly bank statement. With the exception of buying a home, paying for education, or making other vital investments, avoid debt and the resulting finance charges. Buy consumer durables and vacations with cash. Avoid installment credit, and be careful with your use of credit cards. They are principally for convenience and identification and should not be used carelessly or recklessly. The use of multiple credit cards significantly adds to the risk of excess debt. Buy used items until you have saved sufficiently to purchase quality new items. Purchasing poor-quality merchandise almost always ends up being very expensive.Save and invest a specific percentage of your income. Liquid savings available for emergencies should be sufficient to cover at least three months of all essential family obligations. Every LDS family should file honest and timely tax returns.Please listen carefully to this—and if it makes some of you feel uncomfortable, it is on purpose: Latter-day Saints who ignore or avoid their creditors are entitled to feel the inner frustrations that such conduct merits, and they are not living as Latter-day Saints should! Bankruptcy should be avoided, except only under the most unique and irreversible circumstances, and then utilized only after prayerful thought and thorough legal and financial consultation.4. TEACH FAMILY MEMBERS EARLY THE IMPORTANCE OF WORKING AND EARNING“In the sweat of thy face shalt thou eat bread” is not outdated counsel. It is basic to personal welfare. One of the greatest favors parents can do for their children is to teach them to work. Much has been said over the years about children and monthly allowances, and opinions and recommendations vary greatly. I’m from the “old school.” I believe children should earn their money needs through service and appropriate chores. Some financial rewards to children may also be tied to educational effort and the accomplishment of other worthwhile goals. I think it is unfortunate for a child to grow up in a home where the seed is planted in the child’s mind th at there is afamily money tree that automatically drops “green stuff” once a week or once a month.5. TEACH CHILDREN TO MAKE MONEY DECISIONS IN KEEPING WITH THEIR CAPACITIES TO COMPREHENDBased upon appropriate teaching and individual experience, children should be responsible for the financial decisions affecting their own money and suffer the consequences of unwise spending. “Save your money” is a hollow pronouncement from a parent to a child. “Save your money for a mission, bicycle, doll house, troussea u, or car” makes understandable sense. Family unity comes from saving together for a common, jointly approved purpose. In our home we found it unifying to have a child save for a major project; then, when the amount was achieved, we matched it with a predetermined percentage. Incentives are a powerful force in motivating and achieving desired behavior.6. TEACH EACH FAMILY MEMBER TO CONTRIBUTE TO THE TOTAL FAMILY WELFAREAs children mature, they should understand the family financial position, budget and investment goals, and their individual responsibility within the family. Encourage inexpensive fun projects, understandable to the children, that contribute to a family goal or joy. Some families miss a tremendous financial and spiritual experience when they fail to sit together, preferably during family home evening, and each put in his share of the monthly amount going to the son or daughter, brother or sister, who is serving in the mission field. When this monthly activity is engaged in all at once, he or she becomes “our” missionary, with pride becoming a two-way street.7. MAKE EDUCATION A CONTINUING PROCESSComplete as much formal, full-time education as possible, including trade schools and apprentice programs. This is money well invested. Based on potential lifetime earnings, the hours spent in furthering your education will be very valuable indeed. Use night school and correspondence classes to further prepare. Acquire some special skill or ability that could be used to avoid prolonged unemployment. The ability to do basic home and auto repairs can frequently be helpful, as well as a sourceof family savings. Periods of unexpected unemployment can happen to anyone. We should not allow ourselves, when we are out of work, to sit back and wait for “our typ e of job” if other honorable interim employment becomes available.8. APPROPRIATELY INVOLVE YOURSELF IN AN INSURANCE PROGRAMIt is most important to have sufficient medical, automobile, and homeowner’s insurance and an adequate life insurance program. Costs associated with illness, accident, and death may be so large that uninsured families can be financially burdened for many years.These few points and suggestions are not intended to be allinclusive or exhaustive. Rather, it is hoped that a need has been brought to the surface for our serious consideration. We need to recognize and be aware of these basic guidelines for wise money management.God help us to realize that money management is an important ingredient in proper personal welfare. Learning to live within our means should be a continuing process. We need to work constantly toward keeping ourselves free of financial difficulties. It is a happy day financially when time and interest are working for you and not against you.Money in the lives of Latter-day Saints should be used as a means of achieving eternal happiness. Careless and selfish uses cause us to live in financial bondage. We can’t afford to neglect personal and family involvement in our money management. God will open the windows of heaven to us in these matters if we will but live close to him and keep his commandmentsSource:Elder Marvin J. Ashton,1992 “one for the money guide to family finance” .Journal of Financial Planning.April.pp.20-25.二、翻译文章译文：一个家庭理财指南在1975年4月大会福利会议上，阿什顿，一个十二理事会成员，发表了这本小册子。
