你可能很懂理財,也可能一竅不通。以下的10個理財觀念,對任何人都可適用,掌握這些原則與方法,幫你作出正確的理財抉擇。
1. 看財經局勢,做趨勢計畫
2.不要只為了賺錢而投資
3.用情緒理財是最失敗的策略
趙夫子
2014/02/21
Date: August 29, 2018
Global growth remained strong in the second quarter despite rising trade tensions, higher oil prices and increased volatility in the financial markets. Tightening labor markets, robust investment in key global economies and still-accommodative financial conditions propelled economic activity in Q2. Moreover, despite signs of having peaked in Q1, global trade remained relatively robust in Q2. A comprehensive GDP growth estimate for the global economy put year-on-year growth at 3.4% in Q2. While the print was a notch below last month’s preliminary estimate of a 3.5% rise, it matched the result from the previous period.
Among the world’s largest economies, the U.S. continued to show enviable momentum in Q2, with quarter-on-quarter seasonally-adjusted annualized growth posting the strongest reading in nearly four years. Household spending was behind Q2’s solid performance due to an ever-tightening labor market and the effects of tax cuts. Non-residential investment continued to be another of the main growth engines on the back of lower corporate taxes. Although, surprisingly, net exports contributed notably to overall growth in Q2, it mostly reflected a surge in exports ahead of retaliatory tariffs from China, which came into effect on 6 July. Front-loaded shipments ahead of trade-punitive measures between China and the U.S. were also seen in parts of Asia.
In this regard, the U.S. slapped tariffs on USD 16 billion of Chinese imports on 23 August and China retaliated immediately with measures of the same magnitude. As a result, the bilateral trade affected by Chinese and U.S. levies amounts to USD 100 billion. The second round of tariffs came into force one day after both countries met for a two-day meeting in Washington to talk about trade issues. Although the meeting was the first major negotiation between the two countries since June, it ended with no major progress on how to resolve the bilateral trade war. Meanwhile, the U.S. is moving forward with its plans to impose tariffs on an additional USD 200 billion of Chinese imports. On the flip side, on 27 August, U.S. President Donald Trump announced that Mexico and the United States had reached a preliminary deal to revamp parts of the North American Free Trade Agreement (NAFTA), which includes the agreement that any automobile sold in Mexico and the United States will require 75% of the car’s value to be manufactured in both countries, up from the current NAFTA level of 62.5%. The key pending questions are whether Canada will join the agreement and whether Mexican President-elect Andrés Manuel López Obrador, who will assume office on 1 December, will fully endorse the terms of the accord.
Positive economic news also came from Japan and the United Kingdom. In Japan, the economy returned to growth in SAAR terms in Q2 following a short-lived contraction in Q1. Strong wage growth, reflecting a tightening labor market and summer bonuses, boosted consumer spending. Moreover, investment expanded a healthy rate partially due to works related to the 2020 Tokyo Olympics. In the United Kingdom, economic activity accelerated in Q2 as warm weather supported consumer spending and likely boosted the construction sector. That said, Brexit uncertainty continues to weigh on the UK’s economic outlook.
On the flip side, economic growth in the Euro area remained soft in Q2, expanding at the same rate as in Q1 in quarter-on-quarter terms. Although the release did not include a breakdown by components, higher inflation and subdued wage growth likely dented consumer spending.
Get the full FocusEconomics Consensus Forecast Major Economies
This year’s growth projections for the global economy appear to be firmly anchored. However, it mostly reflects better-than-expected economic dynamics in the first half of the year; looking forward, risks are clearly skewed to the downside. Escalating trade tensions between the United States and other major economies, especially China, represent the main destabilizing factor on the global scene. Moreover, despite being positive for some oil-exporting economies, higher oil prices are fueling inflationary pressures worldwide, threatening to erode consumer’s purchasing power.
富人與窮人的時間觀
窮人為錢工作,富人讓錢為他們工作;
窮人管理金錢,富人卻善於管理時間;
富人時間不夠用,窮人不知如何殺時間。
時間在窮人手上變得一文不值,在富人手裡卻變得價值連城,
因此,窮人將會更窮,而富人也將更富。
為什麼每個人擁有的時間都一樣,但成就卻大不相同呢?你通常是花錢買時間還是賣時間賺錢?有人開車繞了半小時只為了找一個免費車位,有人花錢找人辦事讓自己可以做別的更重要的事。當時間不再只是度量衡而是有行有市可以買賣,你的時間值多少錢,你願意用多少錢買別人的時間,未來會有交易所,請先標好你的定價。
會管理時間就會管理金錢也會管理自己的人生,讓人生更精彩的關鍵就在於同樣的時間內透過規劃、分工可以做更多的事情,讓家庭、事業、婚姻、健康都能兼顧。
千萬不要讓遲到、懶惰,這些小事浪費在您寶貴時間上。
十個理財重要觀念
你可能很懂理財,也可能一竅不通。以下的10個理財觀念,對任何人都可適用,掌握這些原則與方法,幫你作出正確的理財抉擇。
1. 看財經局勢,做趨勢計畫