Sushi Money 寿司的钱

Are you a confused investor?  I think we all are sometimes… in the world of money there is always something to learn.  Economics, finance and investing are not static topics, especially as countless laws change every year.  But if the research we read about is true, then as many as half of all Americans find the investing process confusing.   In this Bankrate article, they ask “ is the other half lying? “  It’s an excellent point, and probably close to the truth.  Many people don’t realize how complex investing and retirement planning really is, and take much for granted throughout their lives, all the while paying a lot more than they should in fees and other charges.  No surprise, I’ve done the same thing for years.你是混淆了投资者？我想大家都有时…在世界上的金钱，始终存在学到一些东西。经济学，金融和投资是不是静态的话题，特别是无数的法律，改变每年，但如果研究我们从报章上得知是真的话，那么多达一半的美国人找到投资的过程中混淆。 bankrate在这方面的文章，他们要求“是另一半说谎 ？ ： ”这是一个很好的点，并可能接近真理，很多人都不要吨，实现多么复杂，投资及退休规划真的是，并采取更是理所当然的整个生命，所有的同时，付出了很多，比他们更应该在收费和其他费用。毫不奇怪，我已经做了同样的事，年。

But at some point, in order to acheive any degree of tangible retirement security, you have to start asking questions and begin finding the right answers.  While so many Americans stay confused, guess who benefits?  The financial services industry.  I’m all for businesses making a fair profit, but not at the expense and ignorance of the people the industry supposedly serves!  And who benefts the least?  Those who least understand what they are getting into.  The segment of the population that is at the lowest socio-economic levels.  Is that surprising?但在一些点，为了实现任何程度的有形的退休保障，你必须开始发问，并开始寻找合适的答案。同时，使许多美国人留困惑，猜测谁是受益者？金融服务行业。我的全部企业决策一个公平的利润，但不能以牺牲和无知的人，业界理应服务！和谁benefts最少？那些谁，至少明白他们是进入。人口群体，这是最低的社会经济各级，这是不足为奇的？ Probably not… education is the key to so much in our society, and it’s no different where investing and saving for retirement is concerned.大概不会…教育的关键是这么多，在我们的社会，它的没有什么不同的地方投资，为退休而储蓄是关注。

“In short, it is the lower- to middle-income segment of American society that is in the greatest need of financial planning and investment advice; however, the industry is simply not equipped to deal with this population of underserved people.”  John Grable, Kansas State University “总之，这是较低的中等收入部分的美国社会，就是在最需要的财务规划和投资方面的建议;不过，业界根本不具备处理这个人口不足的人。 ”约翰grable ，在堪萨斯州立大学

It’s really all about financial literacy.  Just as reading, writing and arithmetic are the fundamentals at elementary school for our children, financial literacy can serve as leverage for understanding and succeeding in the areas of investing and retirement planning.  Can you do it alone?  Certainly.  But it’s not a simple proposition.  It requires regular education and research, as well as age-old discipline to stay with it.  Some statistics in the article above cite that only 32 percent of investors in America have an IRA.  And only 23 percent have both an IRA and a 401(k)!   According to the Employee Benefit Research Institute (EBRI), the Individual Retirement Account is the single most popular retirement savings vehicle in the country.  Just not enough people are using one, or starting soon enough if they do!它的真正所有有关的财务知识，正如读，写和算术是基本面在小学为我们的儿童，金融扫盲可以作为杠杆的理解和成功的在以下领域的投资及退休规划。你能这样做，仅？当然，但它不是一个简单的命题，它需要定期的教育和研究，以及历史悠久的纪律，以保持与它。一些统计数字，在文章中举出以上，只有32 ％的投资者在美国有一个爱尔兰共和军。只有23 ％ ，均爱尔兰共和军和401 （ k ）计划！根据该雇员福利研究所 （ ebri ） ，个人退休帐户是唯一最流行的退休储蓄的车辆在该国，只是没有足够多的人所使用的一，或开始不久不够的，如果他们这样做！

When you look at the numbers, it’s actually somewhat scary.  People are starting to realize that they must take charge of their financial future, but we’re not saving nearly enough .  It takes a great many years to accumulate sufficient retirement assets to provide a self-sustaining source of income.  Social Security is counted on by far too many for far too much.  It will probably be around during our lifetimes, but it’s not going to give someone a secure retirement without something else to supplement the income need.   Take a look at this 2007 chart from the EBRI:当你看到的数字，它实际上有点可怕，人们开始认识到他们必须采取负责其财务未来，但我们并不节省近不够 ，它需要一个伟大多年累积足够的退休资产提供一个自我维持的收入来源。社会保障是算就远远超过太多，太多，它可能会围绕在我们的有生之年，但它不打算给某人一个安全的退休，没有其他补充收入的需要。采取看看这个2007图表从ebri ：

Nearly half of all US workers report savings and investment totals of less than $25,000.近一半的美国工人的报告，储蓄和投资总额少于二点五万美元。 And almost 25% of US workers and retirees report having no savings and investments at all!  Admittedly, many of these numbers are skewed to the younger population with older workers normally having more savings assets.  But it’s still not pretty.  We can do something about that… take charge personally and start planning for our future today.  Read and learn, share knowledge with family or friends, and think about the vision you have for the years ahead. Besides, what is it really about?  It’s about investing in ourselves . Getting there financially just takes knowledge, time and a little discipline along the way.  Of course, if you read this far you’re probably way ahead of the pack.  But as we take a few more steps to secure our retirement, maybe we can help someone else learn to do the same.几乎25 ％的美国工人和离退休人员的报告后，没有储蓄和投资在所有！诚然，许多这些数字是倾斜向年轻人口与年纪较大的工人，通常有更多的储蓄资产，但它仍然不漂亮。我们可以做的一些有关这…亲自负责，并开始规划为我们今后的今天。阅读和学习，分享知识与家人或朋友，并认为对你有抱负，为未来的岁月。此外，什么是真的呢？它的约投资于自己 。 快到那里财政只需知识，时间和少许的纪律在前进的道路上。当然，如果你读了这个迄今为止您可能前进的道路上的包装，但由于我们采取以下几个步骤，以确保我们的退休，也许我们可以帮助别人学习同样这样做。

Why are there so many “doom and gloomers” coming out of the closet?  It seems like the more we read about some problem in the economy, or concern over housing, interest rates, etc. that some supposed “expert” is all over the news explaining themselves, sort of like “I told you so!”  It reminds me of Shakespeare’s Hamlet… “The Lady doth protest too much, me thinks.”   While these experts try to tell us how to protect ourselves in the coming recession, or worse, they seem to have a half-smile on their faces.  Do these people want the US economy to fail?  Do they want people to lose their jobs and have to struggle to find income for their family?  Do they want our political leaders to just give up working to solve problems?  Do they want the US to look like a repentant beggar in the eyes of the world?   I’m really not sure what they want, but so many of them seem to ”bear their cross” with pride in explaining the financial challenges of others.  I don’t disagree that we have a great deal of challenge ahead of us, or many of the reasons we are faced with these challenges today.  But this is where we are!  Why is it necessary to wallow in the morass of doom and gloom?为什么有这么多的“厄运和gloomers ”走出来的壁橱？好像越多，我们从报章上得知的一些问题，在经济，或关注房屋，利息等一些假定的“专家”是全国各地新闻解释自己，有点像“我告诉你！ ： ”这使我想起了莎士比亚的哈姆雷特… … “夫人doth抗议太多，我认为， ”虽然这些专家的尝试，来告诉我们如何保护自己在未来的经济衰退，或更糟的是，他们似乎有一个半的笑容他们的脸。这样做，这些人希望美国经济的失败呢？做他们想要的人失去工作，并已作斗争，以寻找收入为他们的家人呢？做他们想要我们的政治领导人只是放弃工作来解决问题呢？难道他们希望美国看起来像一忏悔乞丐在眼中的世界呢？我真的不知道他们想什么， 但他们中的许多似乎“承担他们的十字架”与自豪感在解释金融的挑战他人的，我不同意，我们有一个很大的挑战摆在我们面前的，或许多的原因，我们所面对的这些挑战，今天，但，这是我们在哪里！是为什么要wallow在泥潭厄运和忧愁呢？

By the way, someone please explain to me how I’m going to run out and buy gold or silver coins, hide them in my closet, and then buy groceries or make a mortgage payment with the “gains” I am making on those coins over time?    Or is it simply for long-term investing?   Hmmm… well, if I would have invested in gold in 1982, I would have seen almost a twenty-year decline in my investment.  Only in the last 5 years has gold really grown from year to year.  It may grow more of course… there are always bursts of excess in bull markets, and gold may well be a good investment for the next 3-5 years.  But I guess I just don’t get it.  Sure there are problems within the US economically and otherwise.  There are huge problems around the world economically and otherwise.  But just what do these people want? I’m not saying you shouldn’t own or invest in gold.由的方式，有人请向我解释如何，我会一发不可收拾，并购买黄金或银币，隐藏他们在我的壁橱里，然后买杂货或作出按揭付款与“收益”我对那些硬币随着时间的推移，抑或是根本的长远的投资？ hmmm …好吧，如果我会投资于黄金，在1982年，我想看到的几乎是20年跌幅在我的投资，只有在过去的五年金价真的从每年，它的增长也可能会更多，当然…总是有一些扫射过剩，在牛市，黄金可能是一个良好的投资为未来3-5年，但我猜我只是不获取它。肯定有问题，与美国在经济上和其他方面有巨大的问题，世界各地的经济和其他方面，但究竟是什么做的，这些人想要什么？我不是说你不应该拥有或投资于黄金。 But I am saying that a doom and gloom mentality is not a wise or helpful strategy over time, and running out to buy gold or silver is not the answer.  Yes, realism is fine, and  hedging your bet is a smart move.  A well diversified portfolio, including some precious metals, across the spectrum of investment risk is probably a good approach.  But I think the best answer lies more with disciplined saving, investing, education, job training, growing a business and doing our best each day.  Helping people learn how to grow and navigate the changing economic tide is a more proactive approach over time.  Maybe that’s just too boring for some people, and doesn’t stir the emotions quite as well.但我说一厄运和忧愁的心态，是不是一个明智的或有帮助的战略随着时间的推移，和失控购买金或银不是问题的答案。是的，现实主义是好的，和对冲您的投注是一个聪明的做法。良好多元化的投资组合，包括一些贵重金属，整个频谱的投资风险，可能是一个好方法，但我认为最好的答案就在于更多的与纪律储蓄，投资，教育，就业培训，越来越多的商业和竭尽所能每一天。帮助人们了解如何成长和浏览的变化，经济大潮是一个更积极的态度，随着时间的推移，也许这只是过于沉闷，对于一些人来说，并没有挑起情绪相当以及。

Fortunately not every expert is so negative .  Of course you know what they say about opinions, but I think I just prefer a little more positive outlook as we approach the challenges of each day.幸好不是每一个专家是这样消极的 。当然，你知道什么，他们说的意见，但我认为我只是喜欢多一点积极的人生观，正如我们的做法的挑战，每一天。

There’sa new variation of the telephone scam going around.  Maybe I just haven’t heard of it, but this one involves being called at home or on your cell phone by someone pretending to be from your credit card company.  They say they are an offical from Visa or Mastercard, and that your account may be subject to fraudulent activity.  And get this… they already know your credit card number! What they don’t know is your 3 or 4 digit security code, and that’s what they need.  So they talk and talk, and let you know that you’ll be receiving a credit to your account for $XXX dollars, and all they need is to verify the numbers on the back of your card (front for American Express)….有新的变化，电话骗案前往靠近，也许我刚才没有听到，但此一涉及到被称为在家里或您的手机，有人假装被从您的信用卡公司，他们说他们是一名官员从Visa或万事达卡，和您的帐户可能会受到欺诈活动，并得到这个… … 他们已经知道您的信用卡号码！什么，他们不知道是你的3或4位数字的安全码，这是什么他们需要的，所以他们谈和对话，并让您知道您将收到的信用到您的帐户为xxx美元，美元，和所有他们需要的是，以核实的数字的背后，您的信用卡（前排为美国运通） … … 。 which of course includes your security code!其中当然包括您的安全码！

Some consumers have given all this information to a seemingly official person from Visa or Mastercard… then after having second thoughts they called the credit card company themselves.  Guess what?  The credit card company said that fraud just had occured after the previous call..一些消费者由于所有这方面的资料，以一个似乎官方的人从Visa或万事达卡…那么，之后，第二个想法，他们所谓的信用卡公司本身。猜测什么？信用卡公司表示，欺诈刚刚发生后，以前的电话.. and it was a good thing they called to verify.  Visa or Mastercard will promptly close the account and issue you a new card.   Personally, I try never to accept calls from a bank, credit card company or other financial institution.  Instead I will tell them I’ll call them back, and then after finding the official customer service number I will dial it myself.  That way I can verify that the contact or information request is real.这是一件好事，他们呼吁，以核实。 Visa或万事达卡将立即关闭该帐户，并发给您一个新的卡，我个人从来没有尝试接受要求，从银行，信用卡公司或其他金融机构，而是我会告诉他们，我会打电话给他们回，然后找到后，官方的客户服务号码，我会自己拨号。这样，我可以确认的联络人或信息的要求是真实的。

Have you been the victim of fraud?  Or do you have any lessons learned or advice regarding financial fraud?  The people who do this sort of thing will continue finding ways to fool people into giving away information.  It’s important to be vigilant!你有被诈骗受害者，又或你有什么经验教训或意见，关于金融诈骗犯罪的呢？人谁这样做诸如此类的事情，会继续寻求各种方式欺骗人民到送信息，它的重要的是要提高警觉！

A long time market sage and renowned investor, Jim Rogers, has proclaimed the US is “ undoubtedly in recession ” already.  That may come as a surprise to many economists, especially those who monitor hoards of statistics.   It is true however that recessions often begin with little concrete data to show the economic reality that defines it at the time.  Some recessions are only revealed after they’ve been underway for a while.   But is Jim Rogers right?  I respect his views, but somehow he has always appeared quite negative on the US economy.  In fact, I think he has been predicting a US recession on and off again for the last 4-5 years now.  From my reading of his strategies, he’s often a contrarian and sees the world from a “glass half empty” viewpoint.  But he’s an interesting guy, with equally interesting views that I think are important to consider to gain a larger perspective.一时间，只要市场圣人和著名的投资者，吉姆罗杰斯，已宣布美国是“ 毫无疑问，在经济衰退 ”已经。可能作为一个惊喜，许多经济学家，特别是那些谁监察hoards统计。这是事实，但认为经济衰退往往是开始很少具体的数据显示，这一经济现实，即界定它在时间，有些衰退，只是后透露，他们已经进行了一段时间。但是吉姆罗杰斯的权利呢？我尊重他的意见，但在某种程度上他一直出现相当消极对美国经济。事实上，我认为他一直预测美国经济衰退和关闭，再次为去年4-5年，现在从我读他的战略，他的往往是一个反转，认为世界是由一个“玻璃的一半，空“的观点，但他是一个有趣的家伙，与同样有趣的看法，我认为是重要的是要考虑争取一个较大的角度。

Interestingly, with his contrarian approach, Jim Rogers even believes the Fed should be raising rates instead of cutting them.   His view of the Federal Reserve cutting the funds rate is that it will result in a lower US dollar and lead the nation into a recession. In a September  2007 interview, he stated that by raising interest rates, the Fed would “quell inflation and support the US currency.”   I sure don’t agree with his view of raising rates in light of the housing and credit crisis challenging the nation, but I understand his view and concern for the overall economy.  It’sa tough situation and quite a balancing act for the Federal Reserve which meets in about a week.  Personally I wonder if they will hold off a rate cut this time for precisely that reason- appearing too concerned about the economy while potentially letting inflation rear its head.  I do think rates are on a downward trend, but we may not see a further rate reduction until November or December.   Are we in a recession now?  If not, are we going to be in a recession?   This week former Fed Chairman Alan Greenspan reiterated his view that the possibility is less than 50-50, but acknowledged the US has a long way to go amid the “fear in the credit markets.”  Housing and mortgage issues remain the major themes, especially in terms of the effect on the economy as a whole.有趣的是，与他的反向做法，吉姆罗杰斯甚至认为，美联储应该提高利率，而非削减他们，他认为美国联邦储备委员会削减联邦基金利率的是，这将导致在一个较低的美元，并导致国家经济陷入衰退。在一个2007年9月的采访，他表示，通过提高利率，美联储将“平息通货膨胀和支持美国的货币， ”我肯定不同意，他认为提高利率在根据房屋及信用危机的具有挑战性的国家，但据我所知，他的看法和关切，为整体经济。这是严峻的局面有相当的平衡，为美国联邦储备委员会开会，在一个星期左右。亲自我不知道，如果他们将暂缓降息的时间，这正是理由-中出现的过于关心经济的同时，让潜在的通胀抬头。我认为利率有下降趋势，但我们可能不会看到进一步减息，直到11月或12月。是我们在经济衰退的现在？如果没有，我们要在经济衰退？这个星期前美联储主席格林斯潘重申 ， 他认为可能性小于50-50 ，但他承认美国有一个很长的路要走中“的恐惧，在信贷市场” 。房屋和抵押贷款问题仍然是主要的主题，特别是在条款的影响，对经济作为一个整体。

Lots of mixed themes in the news this week, overshadowed on the west coast by the horrendous fires from LA to San Diego.  For most of us it doesn’t seem quite real, but with over 265,000 people evacuated ( over 300,000 500,000 now) and 700 1200 1300 homes burned, it really makes you think about what’s important in life.  Most people will rebuild, but there’s got to be a few people asking if it’s worth rebuilding in the same place that fire has already struck twice.  It also brings insurance thoughts to mind.  There is no substitute for a good insurance policy on your home (or car, etc).   What is a “good insurance policy”?  It begins with full replacement value for loss, as well as inflation protection over time.  And yes, that means the policy costs will rise over time as well.  Keep in mind that belongings and property inside the home are often not insured for replacement value. You often have to ask for full replacement value on personal property.  It’s hard to read all the policy jargon sometimes, but your insurance agent should be able to explain every detail of your policy.  That is his/her job, and after a casualty or loss is no time to wonder what kind of coverage you’ve got.  But property is simply that… and can be replaced one way or another.  Human life is precious, and obviously most people escaping from a life-threatening situation are thankful just to be safe.很多混合的主题，在本周，有消息称，蒙上阴影，对西海岸由可怕的火灾由La到圣地牙哥。对我们大多数人似乎并不很真实，但有超过26.5万人疏散 （ 超过300000 50.00万，现在）和700 1200 1300 家园烧毁，是否真的让你想一想，什么是最重要的生活中。大部分人将重建，但有到了被少数人的要求，如果它的价值重建在同一地点的消防已经击中了两次，它也带来了保险业的思考，以铭记。是不可替代的一个良好的保险政策，对您的家庭（或汽车等） 。什么是“良好的保险政策” ？开始全面重置价值的损失，以及通货膨胀保护一段时间。是的，这意味着政策的成本将上升，随着时间的推移，以及。请记住，财物和财产内的主页，往往没有投保，为重置价值，你常常要问，为充分重置价值就个人财产，它的难以阅读的各项政策的术语，有时，但您的保险代理人应该能够解释的每一个细节，你的政策，这是他/她的工作，和后伤亡或损失的，是没有时间去，不知是什么种覆盖你了，但财产很简单， … …并可以取代一种或另一种方式。人类生命是宝贵的，显然大多数人摆脱一种威胁生命的情况，感谢为了安全起见。

My prayers and thoughts go out to so many people and the firefighters going through so many challenges right now.  We’ll have to find some charitable causes that are set up to help, does anyone know?  I would gladly put a link up on the site and write to help raise money.我的祈祷与思考走出去，因此，许多市民和消防员经历这么多的挑战的权利，现在，我们可以找到一些慈善事业是成立了以帮助，有没有人知道吗？我会很乐意把连接起来，就网站及收件，以帮助筹集资金。

What do you do when it seems like everything is getting more expensive?该怎么办时，好像一切是越来越昂贵？ When I head to the grocery store I keep seeing higher prices and wonder why stuff costs so much more than it used to.当我前往杂货店我不断看到更高的价格和不知为何的东西成本远不止它用。 Lately I’ve had that experience more frequently than in the past.最近我已经验，更经常地与过去相比。 Inflation may be under control from a macroeconomic perspective, but it’s not under control from the family grocery shopping perspective, or for fuel or electricity costs.通胀可能受到控制，从宏观经济角度来看，但不是受到控制，从家庭杂货店购物的角度来看，或为燃料或电费开支。 Our family is not struggling by any means, but we do try to shop with an eye on prices and work hard not to overspend the budget.我们的家庭是不会挣扎以任何手段，但我们会尽量店与着眼于价格而努力工作，不要超支预算案。 Yet when I find prices of grocery items influencing my shopping habits, I’ve got to wonder how other people are doing that really are struggling financially.然而，当我找到价格杂货店项目影响我的购物习惯，我已经到了，不知其他人都这样做，真的是在财政上挣扎。 Energy costs are one of the biggest culprits of course, especially as companies pass their energy costs on to consumers.能源成本是其中一个最大的匪徒当然，特别是作为公司通过其能源成本给消费者。 But what about certain farm subsidies, especially where propping up ethanol production is concerned?但对某些农产品补贴，特别是在托生产乙醇的关注呢？ Corn and other grain products are in such demand that costs throughout the food processing spectrum are rising like never before.玉米和其他粮食产品是在这样的需求，成本在整个食品加工频谱不断上升，像以前从未。 Maybe catching up as well, but it’s still fairly amazing.也许赶上以及，但它仍然相当惊人。

I’ve had these thoughts for some time, but today read an interesting article about how Living Paycheck to Paycheck Gets Harder .我已经有这些想法已有一段时间，但今天读一个有趣的文章有关如何生活的支票，以支票得到加倍努力 。 Similar themes in the article, especially for shoppers.类似的主题在文章中，特别是为购物者。 I found it interesting that Wal-Mart and other larger retailers are seeing the spending gap in the days before and after payday get much larger.我发现它有趣的是，沃尔玛和其他大型零售商看到了消费的差距，在天之前和之后payday得到大得多。 In many ways that alone might indicate a recessionary theme for the economy.在许多方面，仅可能表明经济衰退的主题为经济。 Once you factor in energy prices and local economic issues such as employment, family economic well-being really becomes a critical issue in many communities.一旦你的因素，在能源价格和本地的经济问题，如就业，家庭经济福祉，真正成为一个关键问题在许多社区。 I suspect we’ll see a lot more about this theme in the months ahead, especially with the 2008 election in full-swing.我怀疑我们会看到不少关于这个主题在今后几个月，特别是与2008年总统大选在全摆幅。 Do you find yourself living paycheck-to-paycheck?你会发现自己的生活支票到支票？ I think a lot more families are, and that has me concerned about the next few years.  My nature is to look at things postively, with an optimistic eye for the future.  Heck, I just wrote about Appreciating the Economy a couple weeks ago, but I think it’s also important to look at the challenges people do face.我想了很多家庭，并已我关心未来几年，我的本质是看事物postively ，与乐观的眼睛为未来作好准备。赫克，我只是写的赞赏经济一对夫妇星期前，但我认为这也很重要，看的挑战，人们面对的问题。

Back in the early ’90’s, the first President Bush lost the election because people were very concerned about the economy, and it seemed like the political leaders were out of touch with the reality that many working families face.早在90年代' s时，首先，布什总统失去了选举，因为人们都非常关心的经济，似乎像政治领导人脱离现实，很多工薪家庭面对的问题。 Remember “It’s the economy, stupid?” Seems to me like we are seeing the same thing happen all over again.记得“它的经济，愚蠢的呢？ ”在我看来，像我们看到了同样的事情发生，所有超过一次。 Certainly there are many aspects of the US economy that are strong and vibrant.当然有很多方面，美国经济是强大的和充满活力的。 But to ignore the challenges and realities that many families do face is akin to turning away from the problem.但忽视的挑战和现实，许多家庭做的是面对类似回避的问题。 Those political leaders who do address these issues in a constructive and positive manner will be heard much more clearly from the voters.这些政治领袖，谁不解决这些问题是在建设性和积极的态度会听到更清楚的选民。 Personally, I don’t care about the political aspects other than to see that we are helping Americans to grow and succeed in their lives.我个人来说，我不关心政治方面以外的其他地看到，我们正在帮助美国人的成长和成功，在他们的生活。 There are so many ways to foster financial literacy and economic well-being in the nation.有这么多的方式，以促进金融扫盲和经济福祉，在全国的。 Education is vitally important, as are employment and tax incentives for businesses, homeowners and families with children.教育是非常重要的，因为是就业和税收优惠的企业，业主和有儿童的家庭。

More importantly however, there’sa lot we can do locally to help others.更重要的，但有很多我们可以做本地来帮助别人。 Just taking a few food items to a local charity or food pantry can really make a difference, especially as we head towards winter and the holiday season.只是采取一些食品项目给当地慈善机构或食物茶水真的可以作出不同的，特别是当我们走向冬季假日季节。 Hopefully we won’t see a recession in the US, but whether we do or don’t, there will still be a lot of families that need our help.我希望我们将不会看到经济衰退，在美国，但我们是否做或不这样做，仍会有很多的家庭，需要我们的帮助。

Last Friday was one of those Ouch! kind of days… with the Dow losing over 360 points right about on the anniversay of Black Monday in 1987.   Not that 2007 had anything to do with 1987… just a coincidence to be sure.  Yesterday had more to do with rising economic concerns, options expiration and the last quarter of the calendar year.  But do you remember that day in 1987?   I talked about it here when looking at emotions and investing.  For a day that many still talk about 20 years later, guess what?  The market went up over the next few months and many people did okay that year.  Who really got hurt?  Mostly it was traders who had a lot of money as risk, as well as margin players.  When you borrow a ton of money….上周五之一，那些乌！种天…与道琼工业指数失去超过360点的权利，关于对anniversay黑色星期一在1987年不是2007年了任何与1987年…只是一个巧合，可以肯定的，昨天有更多这样做与经济崛起的关注，选择到期和去年第四季的历年，但你还记得那一天在1987年呢？我谈到这里看时，情绪和投资。了一天表示，许多人仍然谈20年后，猜测什么？市场上升，在未来数月，很多人没有好这一年，谁真的受伤？大多是商人谁了很多钱的风险，以及保证金的球员，当你借一吨钱… … 。 in other words, use leverage to prop up your investments, then when the market volatility becomes extreme you risk losing a lot of money, and yes- making a lot of money.  But it’s not a practical approach to investing for most of us.在其他换言之，使用杠杆托您的投资，那么当市场波动变得极端，你可能失去了很多钱，是决策了很多钱，但它不是一个实际的做法是要积极投资，对我们大多数人。

Personally, I want to be positioned so that I don’t really care over the long-term.  Of course I care how my investments are doing over time, but really- I don’t want to worry about my portfolio.  After putting your asset allocation together in a well diversified portfolio, you just let it do its thing.  If it really bothers you when the market goes down, then that should tell you something’s out of whack.  Either you are investing too much contrary to your personal level of risk tolerance, or maybe you’re worrying unnecessarily for no rational reason and watching the market too closely.  It’s easy to do, but over time it helps to gain a sense of detachment and maintain that “big picture” for where you want to be in 10-20 years.我个人来说，我想定位，使我真的不小心超过长远。当然，我如何照顾我的投资正在做随着时间的推移，但真正-我不想担心我的投资组合后，把您的资产分配在同一个，以及多元化的投资组合，你刚才让它尽自己的事。如果真的困扰你，当市场下降的话，应该告诉你的东西的出来痛击。要么你是投资太多，相反你的个人风险程度，容忍，或也许您担心不必要的，没有合理的理由，看市场太密切，这很容易做到，但随着时间的推移有利于争取一个意识，支队和维持“大图片”为何处你想成为在10-20年。

If you’re close to retirement, it’s very important to maintain a diversified portfolio.  For so many of us, we invest in what we think we know.  A lot of folks invest in company stock in their 401(k).  Not a bad idea at first, and many companies require it.  But if you’re close to retirement, why put all your eggs in one basket?  A lot of folks at Enron really got hurt doing that.如果您接近退休，这是非常重要的维持一个多元化的投资组合。这么多的我们，我们投资在哪些我们认为我们知道。了很多乡亲在投资公司的股票在其401 （ k ）计划。不会一个坏主意，在第一，很多公司需要它，但如果您接近退休，为什么把您所有的鸡蛋放在一个篮子里呢？了很多乡亲在安然真的受伤这样做。

What does diversification do for you?  It simply reduces the risk of investing, especially for individual stocks.  Mutual funds offer inherent diversification at a lower cost over time.   True diversificiation involves measuring correlation coefficients and host of other stuff.  But essentially, you want to invest in securities whose returns don’t move in a similar fashion over time.    There’sa ton of info on the web about building a diversified portfolio.  If you’re concerned, talk with your planner or advisor and review your situation.什么是多样化为您做？简单来说，减少投资风险，尤其是对个别股票。互惠基金提供固有的多元化，在一个较低的成本随着时间的推移。真正的diversificiation涉及测量的相关系数和东道国其他的东西，但基本上，您想要投资于证券的回报率不提出了类似的时装随着时间的推移。有吨的信息在互联网上建立多元化的投资组合。如果您担心，跟您的规划或顾问，并检讨自己的情况。

I think it’s kind of like our garden in the spring.  We plant many different seeds and ”starts” for a season of growth for a bunch of different vegetables and flowers.  We don’t plant just one seed or little plant because there’sa lot of risk out there.  Temperature, water, insects, soil fertility, bunny rabbits!  If we plant just one of something we risk that it may not grow very well or produced the return we hope for.  At worst case the little plant withers and dies.我觉得这是种一样，我们的花园在春天，我们许多不同的植物种子和“启动”一个赛季增长了许多不同的蔬菜和花卉，我们不只是一植物种子或小厂，因为有'从大量的风险存在。温度，水分，昆虫，土壤的肥力，兔子兔！如果我们厂只是其中之一，我们的风险，它可能不会成长得很好或制作的回报 ，我们希望在最坏的情况下，小厂withers和死亡。

Investing is a lot like a garden… you want a bunch of stuff in there early in the season to have a robust mix later at harvest time. 投资是有很多像一个花园…您想要一堆的东西在那里早在本赛季有一个强大的组合在稍后的收获时间。

And for our investments, the growing season is not measured in months, but rather years!   Every time we save and invest, we are planting seeds for a new season of growth.  We may harvest a little of that at a time in future years, but unlike the plants in our backyard, with time and compounding, our investment garden will just keep growing and growing.和我们的投资，生长季节是没有衡量的几个月，而是几年！每一次我们储蓄和投资，我们播种了新赛季的增长，我们可能会收获一点点，在时间，在未来的岁月，但不同的植物在我们的后院，时间和复杂的，我们的投资花园将刚才不断增加和扩大。

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