新年将至 帮你做新年理财计划

The turning of the calendar is both arbitrary and powerful. Each day is just another day, but when the year resets we feel like the slate is cleaned and we can begin anew。

日历的更迭看似无意却又意义重大。日子一天天地过去，但新的一年到来时，我们的感觉却是翻开了全新的一页，可以重新开始。

Here are five ideas to help you get a good start for 2010--not just a new year, but the start of a new decade。

以下五点建议可以帮助你在2011年有个良好的开端，不只为新的一年，而且为下一个新的10年。

1. Set up a savings plan. 制定攒钱计划

Ever since the financial tsunami swept all before it in September 2008, many people have saved furiously. That's a good thing, but there's a temptation to lose that discipline once the storm clouds start to break.

自2008年9月金融海啸将一切席卷一空以来，很多人都在疯狂地攒钱。这是好事，不过一旦风暴的阴云开始消散，这样的自律就可能丧失。

While the economy remains fragile and many people are still out of work, signs of recovery are becoming more and more apparent. Among your New Year's resolutions include a savings goal that is a function of your regular income, even if it's not a large amount of money. Maintaining the discipline is crucial. The amount of savings can grow over time.

尽管经济依然脆弱，很多人仍待业家中，复苏的迹象却变得越来越清晰。在你的新年决心中，制定一个攒钱的目标，与你的固定收入挂钩，即使攒下的每笔钱并不很多。保持自律非常重要。攒下的钱能随着时间的推移而增长。

2. Build a rainy-day fund. 建立一个应急基金

Advice on how to save for retirement or your kids' college is plentiful. Less plentiful is guidance on what kind of rainy-day fund you should have.

有关如何为退休和孩子上大学攒钱有很多的建议。但对于应该建立哪种应急基金却少有人提及。

A rainy-day fund, which your savings plan can feed, should cover about six months of income. It's a form of personal insurance, valuable in these rapidly changing times.

应急基金的钱可以来自你的攒钱计划。它应该相当于约六个月的收入。这是个人保险的一种形式，在眼下这种迅速变化的时代非常重要。

This fund should be kept in safe and easy-to-tap assets. Laddering certificates of deposit out six months is one way.

这笔钱应该放在安全且容易变现的资产中。存入六个月的阶梯式定期存款是一种方法。

That means buying CDs of one month, two months, etc. to six months. As each CD matures you buy another six-month CD to keep the ladder inplace.

也就是说存入一个月、两个月……直到六个月的定期存款。每笔定期存款到期的时候，你就再开通一笔六个月的定期存款，以便保持阶梯式存款的延续。