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。

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