10 to the financial recommendations of young people

For young people, the current downturn in the credit market, stock and property markets, there are a great opportunity may be. Hands itch it? Look at the Americans give you the following financial recommendations. Faced with today's volatile situation, most young people twenties should do? If you use one word to sum up, it is "investment" - the money into a pension account and the stock market, the buyers pay down payment shall, to invest in their own learning skills and knowledge ... ... Although it is difficult to invest in one step, especially if your income in general, but they end up with a return on investment. 1. Automatic investment. If your company 401k plan (a kind of by employees, employers establish a common payment of old-age insurance system), then how much to pay as much as possible to how much to pay. If you do not, then they have drawn up a "pension plan", the money deposited in personal retirement accounts (allowing individuals to deposit part of after-tax income, investment income account to enjoy duty-free treatment), set the amount of monthly deduction . 2. Add the stock market the money.阳光总在风雨后, the stock market as soon as the situation improved, usually picked up very quickly. 2008 stock market downturn, you have the opportunity to buy at very low prices. You do not need to learn what stocks to invest: to find a low-fee mutual fund companies, such as the United States Fidelity Investment Group and pilot investments, to buy from them a low-cost, diversified investment in index funds. 3. The establishment of savings accounts, each has a little income on the deposit money into. Buyers can use it to pay the first payment, post-graduate education, buy a new car or the cost of marriage. Put it on your checking account the bank is located, such transfers easier. 4. Even if you do not like the work now, they have to start building their own careers by. Areas in your network, to join professional associations, to participate in conferences and training courses, self-learning skills, enhance their competitiveness. 5. To establish a good credit record. If you do not have credit cards, one on the left. If so, to ensure repayment on time each month. Only buy this card or you can afford to pay much-needed things, and the repayment period of each month to pay off all arrears. 6. If the unit does not give you medical insurance, then buy their own one. If the income just enough to make ends meet, the legs fall to such a small accident so that you may sometimes be unbearable embarrassment. If you have medical insurance, you may be better at certain times of care. For young people, medical insurance is not expensive. 7. Long mind some aspects of the property market. This is perhaps not the best time to buy a house, but now the opportunity to really good, but this situation should be a period of time. Can now look at the situation of the properties for sale, calculate the loan amount, ask yourself how much money can afford, like what kind of house. 8. Institute of financial management. If you started investing from the twenties, you can not keep up with Buffett, his teens began to invest. But you go to when 35-year-old can be quite an experience, then there is a lot of time, the use of accumulated financial management skills to make money. You can take your time, but it has been done to learn. 9. Delayed the time to enjoy. You may feel like a long time has not been a real adult life, but the best student and then a few years to buy furniture, car别开new, rather than粗茶淡饭often下馆子, watching movies online rather than to cinemas, provided it price of alcohol beverages rather than to expensive club ... ... it will ultimately benefit you. 10. For help.勒紧裤腰带even if you cash on hand may not be enough to buy a house at the same time investment in the pension account. Do not forget your parents and grandparents, they may be valuable in these things help.