Money Q&A

Money Q&A

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主题：请教各位高手，我家该如何理财

1

湖北孝感网友

请教大师帮分析我们家以后理财方式，我今年31岁，在国企上班，月工资收入2300元，加上出差补助和奖金每年收入大约在5-6万元（含工资），有三保，公司缴的，我爱人在私营企业，工资3500元左右，加上出差补助和奖金每年收入大约在5万元（含工资），有三保，公司缴的，我们现有一个2周岁的女儿，双方父母都在55岁左右，都是只有一个老人有退休金，另一个为家属，我们现有一处93平米的房子，无贷款，有存款15万，我所居住的为一个地级城市，平均每月家庭各种支出约2000元，近期不准备购车，孩子明年上幼儿园，每月增加支出800元，老人和孩子都没有任何保险，请问该如何规划家里理财

2008-3-16 16:26 回复此发言

共有帖子数1篇

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{var style='/style/purpleculture/'}
{var spaceBaseUrl='http://blog.163.com'}
<span style="cursor:pointer;position:absolute;top:8px;right:8px;" onclick="closeMiniSpace(); return false;"><img src="/style/common/icn_close.gif"></span>
  {if inProcess == 'yes'}
  	 <b>数据读取中...</b><br /><br /><br />
  {/if}
{if inProcess == 'no'}
<div id="minispaceWin">
  	<div id="minispaceLeftDiv" class="popupImpText">
  		<div id="miniLeftImgDiv">
      		<img src="${formatMemberImageUrl(circleUser.profile.imageUrl)}" width="75" height="75" style="cursor:pointer;" onclick="window.open('${circleUser.getSpaceLink()}')" title="${circleUser.profile.spaceName|default:""|escape}" class="popupImg"/>
  		</div>
  		<div id="miniLeftInfoDiv">
  			<div class="popupLink autoTrim needUnderline" style="font-weight:bold;font-size:14px;width:80px;" onclick="window.open('${circleUser.getSpaceLink()}')" title="${circleUser.profile.spaceName|default:""|escape}">${circleUser.profile.nickname|escape}</div>
  			<div>
      			<img src="/style/common/${circleUser.getGenderImg()}" />
  				<span style="margin-left:25px;"> ${circleUser.getUserAgeStr()}</span>
  			</div>
  			<div class="autoTrim" style="width: 100%;">
      			{if circleUser.profile.province!=null}${circleUser.profile.province} {else} {/if}
      			{if circleUser.profile.city!=null}${circleUser.profile.city}{else} {/if}
  			</div>
  			{if circleUser.id!=0}
	  			<div><img src="/style/common/icn_article.gif"/><span style="font-weight:bold;"> ${blogCount}</span>篇</div>
	  		{/if}	
  		</div>
  		<div id="miniLeftButtonDiv" class="g_t_center">
			{if relation < 0}
		    <input id="addFriendButton" type="button" class="button_input" style="width:60px;" value="加好友" onclick="showAddFriend(${visitorId}, ${circleUser.profile.id});return false;"/>
		    <input id="sendMsgButton" type="button" class="button_input" style="width:60px;" value="发消息" onclick="showSendMsg(${visitorId}, ${circleUser.profile.id}, '${circleUser.profile.nickname|default:""|js_string}');return false;"/>		  
		    {else}
		    <input id="sendMsgButton" type="button" class="button_input" style="width:60px;" value="发消息" onclick="showSendMsg(${visitorId}, ${circleUser.profile.id}, '${circleUser.profile.nickname|default:""|js_string}');return false;"/>		  
		    {/if}		    
		</div>
  	</div>
  	<div id="minispaceRightDiv" class="popupHintText">
        <div class="minispaceTabs">
            <span id="infoTab" class="selectedTab firstTab" title="个人资料" onclick="MiniSpaceTab.showTab('info'); return false;">
                个人资料
            </span>
			{if circleUser.id!=0}
	            <span id="blogsTab" title="最新推送日志" onclick="MiniSpaceTab.showTab('blogs'); return false;">
	                最新推送日志
	            </span>
	        {/if}
        </div>
      	<div id="infoTabDiv">
      		<table width="100%">
      			<tr>
              		<td style="width:15%;" valign="top">职业:</td>
              		<td style="width:80%;" valign="top" class="autoTrim">
              			{if circleUser.profile.occupation<=0}
                      		${circleUser.getOccupationStr()}
              			{else}
                  		<span onclick="window.open('${SpaceInfo.baseUrl}/findFriend.do?occupation=${circleUser.profile.occupation}')"  class="popupLink">
                      		${circleUser.getOccupationStr()}
                      	</span>
                      	{/if}
                  	</td>
      			</tr>
      			<tr>
              		<td valign="top" style="width:15%;">兴趣:</td>
              		<td valign="top" style="width:80%;" class="autoTrim">
              			{if circleUser.getHobbies()!=null}
                  			{for hobby in circleUser.getHobbies()}
                  		       <span class="popupLink" onclick="window.open('${SpaceInfo.baseUrl}/findFriend.do?favoriteThings=${hobby[0]}')">${hobby[1]}</span>
                  			{/for}
                  		{else}
                  			(未设置)
                  		{/if}
              		</td>
      			</tr>
      			<tr>
              		<td valign="top" style="width:15%;">简介:</td>
              		<td valign="top" style="width:80%;">${circleUser.profile.spaceDesc}</td>
      			</tr>
      		</table>
      		<span id="moreInfoSpan" class="popupLink needUnderline">
      			<span onclick="window.open('${circleUser.getSpaceLink()}profile/')">详细资料>></span>
      		</span>
      	</div>
      	{if circleUser.id!=0}
	      	<div id="blogsTabDiv" style="display:none;">
	        	{if circleBlogs==null||circleBlogs.length==0}
	        	<p style="height:18px;margin:10px 0px;">该圈友尚未推送日志</p>
	        	{else}
	            	<ul style="display:block;padding-left:5px;line-height:20px;">
	            	{for circleBlog in circleBlogs}
	                    <li class="autoTrim popupLinkText" style="width:240px;"><em>•</em>
	                        <span class="popupLink" onclick="window.open('${SpaceInfo.getCircleBlogLink(circleBlog.blogUserName, circleBlog.permalink)}')" target="_blank">
	                            ${circleBlog.blogTitle}
	                        </span>
	                    </li>
	            	{/for}
	            	</ul>
	            	<span id="moreBlogsSpan" class="popupLink needUnderline">
		      			<span onclick="window.open('${SpaceInfo.getSpaceLinkBlog(circleBlog.blogUserName)}')" target="_blank">更多>></span>
		      		</span>
	        	{/if}
	      	</div>
      	{/if}
      	<div id="lastLoginTimeDiv">
      		最后登录: ${circleUser.getLastLoginTimeStr()}
      	</div>
    </div>
  	<div class="sepdiv"></div>
</div>
{/if}

<div style="float: left;">
			<input type="radio" onclick="PosterVote.setVoteType(this);" {if voteType == 1}checked{/if} value="1" name="voteType" id="singleChoiceVote"/> 单选投票
			<input type="radio" onclick="PosterVote.setVoteType(this);" {if voteType == 2}checked{/if} value="2" name="voteType" id="multiChoicesVote"/> 多选投票
		</div>
		<div style="float: right; padding-right: 70px;">投票期限:
			<select class="input_textbox" name="votePeriod" id="votePeriod">
				<option onclick="PosterVote.setVotePeriod(this);" {if votePeriod == 1}selected{/if} value="1">一天</option>
				<option onclick="PosterVote.setVotePeriod(this);" {if votePeriod == 2}selected{/if} value="2">一周</option>
				<option onclick="PosterVote.setVotePeriod(this);" {if votePeriod == 3}selected{/if} value="3">一月</option>
				<option onclick="PosterVote.setVotePeriod(this);" {if votePeriod == 4}selected{/if} value="4">半年</option>
				<option onclick="PosterVote.setVotePeriod(this);" {if votePeriod == 5}selected{/if} value="5">一年</option>
				<option onclick="PosterVote.setVotePeriod(this);" {if votePeriod == 6}selected{/if} value="6">永不过期</option>
			</select>
		</div>
		<div style="clear: both;">填写投票选项：(最多10个选项)</div>
		<div id="voteItemList">
			{for voteItem in voteItemList}
				<div>
		            <span style="width: 10px;">${parseInt(voteItem_index) + 1}.</span>
		            {if voteItem_index < initVoteCount}
						<input disabled="true" name="voteItem${voteItem_index}" id="voteItem${voteItem_index}" type="text" size="67" maxlength="100" class="input_textbox" value="${voteItem|escape}"/>
					{else}
						<input onblur="PosterVote.setVoteItem(${voteItem_index}, this);" name="voteItem${voteItem_index}" id="voteItem${voteItem_index}" type="text" size="67" maxlength="100" class="input_textbox" value="${voteItem|escape}"/>
						<span onclick="PosterVote.delVoteItem(${voteItem_index});" style="margin-left:10px;text-decoration: underline;" class="firLink">删  除</span>
					{/if}
		        </div>
			{/for}
		</div>
		<div><span onclick="PosterVote.addVoteItem();" style="text-decoration: underline;" class="firLink">添加投票选项</span></div>