摘自msn理财大学社区

　　投资理财五大误区 警戒“免费的午餐”
　　　　理财，是中国两三千年来的传统。今天，我们比起任何时候，都要器重自己的理财规划，尤其是，必需要 有准确的投资和理财观点。下面，针对我们日常理财过程中容易产生的一些误区进行解读。
　　　　【误区一】
　　　　理财就是要赚钱，为钱斗争毕生
　　　　“买股票，买基金、买屋子”是时下社会对民众理财的共鸣。然而当初房子限购了、股市看不懂，倒是压 缩的货泉政策推高了银行理财产品的收益。是不是把所有的钱都拿去买银行理财产品？可万一要钱急用，拿不出就 真的急了。
　　　　实在理财是一个资金治理的进程，包含收入、调配、增值三大块，重要是为了实现在该花钱的时候不缺钱 。这就请求我们学会通过购置保险来防备危险、通过教导投资来进步赚钱能力、通过部署财产来传承财产等，而投 资赚钱只是其中一个重要方面。
　　　　【误区二】
　　　　轻信专家和机构宣扬，盲目投资
　　　　投资和理财就是一种金融“花费”行动，必定要学会明清楚白消费，不能没主意，盲目轻信专家。否则， 就会把短期要用的钱投资于长期理财工具，或是买了本身风险能力无奈蒙受的理财产品等。
　　　　不科学专家，但可以学会听取专家供给的信息，懂得其剖析的逻辑，尤其要让专家说明明白：风险在那里 ，什么情形下会有损失，丧失有多大,armani underwear，流动性如何支配等。最好多求教多少位专家，听一些不批准见，抉择最适合自己资金和作风的投资 计划。
　　　　【误区三】
　　　　预期收益等同于实际收益
　　　　学会理财，要学着深刻懂得投资概念。投资收益率是咱们应记住的第一个概念。
　　　　人们总爱好把投资收益率视为取舍投资产品的“刚性指标”，然而不同构造和不同投向的理财产品，预期 收益率实现的几率往往存在很大差别。值得一提的是，在对收益率的误读中，应用“均匀年化收益率”来取代产品 收益预期的例子比拟典范。“平均年化收益率”是根据产品多年来投资表示，以年化的方 式盘算出来的复合数据，但在较短的投资期限内,buy jordan shoes，却往往会与实际年收益发生较大背离。
　　　　【误区四】
　　　　配置理财产品就是单纯的购买银行理财产品
　　　　银行理财产品有其奇特的上风，同时专业的金融服务也可为你省去不少麻烦，但把所有的鸡蛋都放进理财 产品这个篮子里是否理智，值得商议。
　　　　现代办财的工具形形色色，储蓄、保险、股票、基金、外汇、贵金属、珍藏品、信托打算等，堪称刀枪剑 戟、斧钺钩叉。然而十八般兵器假如只精通一门，那么在跟市场较量的时候，仍是很轻易败下阵来的。所以，再次 强调的是，理财是一门“综合”的学识，这个“综合”指的不仅是思维方法，更主要的是机动应用每一个能够辅助 达成理财目的的金融工具。
　　　　【误区五】
　　　　图“实惠”，吃了“免费的午餐”
　　　　“天下不免费的午餐”的情理谁都明了，可偏偏有些人爱“便宜”或是爱“体面”，把它用到理财上可就 真分歧适了。例如，不少投资者买基金只挑便宜的买，殊不知“廉价”的背地，可能存在基金投资才能低下的问题 ,bluesunglasses；还有些投资者把信誉卡分期当作免费的午餐，却忘却了“羊毛出在羊身上”的道理；更有些投资者拿了一些赠予 的小礼品、听了不少“夸奖”的句子,menssunglasses，碍于情面买了一些不合适本人的产品。

[sandy7827]

Buckle Up For Fashion Today

Belts used to be seen as a necessity - to hold your pants up. But if you want to be in style right now, you need a belt. Belts worn with a variety of interchangeable and cool belt buckles are hot today. They are one of the biggest must-have fashion accessories this season. New fashions are focusing on a crisp architectural fit, with the spotlight on the waist. Popular styles of the forties are integrated with new designer looks, all accentuated with tons of accessories - with the belt creating the soft architecture by defining the natural womanly curves into new stylish silhouettes. Belts with lots of changeable belt buckles offer a versatile trend and a vital fashion staple in your wardrobe that you can put to good use as a figure enhancing waist belt - and as an addition of instant pizazz to any outfit!
The belted look is not limited to women's fashions. Runways up the style factor for men this season by showing belted shorts, pants, jackets and coats. The soft silhouette is carried through and created by sleek, cinched, and fitted looks, extended to even the simplest of men's ensembles.
According to Kim Martin, fashion editor for Stylelist.com, "The belt is creating this new silhouette. If you don't have a waist, create one with a belt. If you do have one, play it up. As far as the belts themselves...they are different colors...have different buckles. They are very versatile."
Jackets, dresses and skirts all are completed with belted cinched waists. Fall runways spotlight the lean and mean silhouette from mid-calf to floor-grazing, from jumpsuits and safari looks to military jacket club dresses, from cropped-look to more volume in skirts...Classic fall layers have been reworked with a waist-defining belt. Belts can also be seen worn somewhat high on the waist...or hung lower on the hips.
Skinny belts may be hot, but not many women can wear them effectively or to their advantage. A belt that's about 1 or 2 inches wide will create a more figure-friendly look.
For a romantic look, pairing a ruffled blouse with a menswear suit, or a soft floral dress grounded with a leather belt, will show off your feminine side. Shop for fitted jackets. Shop for turtleneck sweaters - especially in black ######y lingerie, creating a blank palette to show off a wonderful belt buckle! Make a jean ensemble or a sleek dress your very own by adding a belt and bold belt buckle of your choice. Emphasize an hour-glass look.
Joyce Caruso Corrigan, Editor at Large of Marie Claire magazine explained how to get the most out of belts for the style and look you are after. Pairing a cocktail dress with an unexpected everyday leather belt enables you to wear it in the daytime. You could also wear a jean jacket over this. Remove the belt, add some jewelry, and the dress is ready for the evening! Menswear-inspired wide leg pants can be made more feminine and create a feminine shape by adding a belt with a unique belt buckle! The bland and solid look of a self-belted trench coat can be spiced up with a different, contrasting wide belt and big shiny belt buckle!
Celebrities draw constant attention to their styles and fashions, influencing fashionistas everywhere. This was the case when Kate Moss was recently spotted in New York wearing a tiny cut-off T-shirt dress with a belt and oversized disc belt buckle.
"Belt Up" in Vogue magazine features the latest fashion trend, "With a cinched-in waist remaining firmly at the forefront of feminine fashion season-on-season of late, a good belt is a wardrobe must-have..." Both men and women consider the perfect belt for their shape and style, with a choice of belt buckles as stand-out as they like.
"As the spotlight falls firmly on the waist ######y clubwear, belts become the instant definers," as seen in the latest fashion designs by Burberry Prorsum, Dolce & Gabbana, Gucci, Marc Jacobs, etc. A revisit of the fifties corset is seen in their wide, structured belts. Winter coats are featured with, broad, cool belts. Delicate and feminine looks are achieved with narrow belts.
Along with the emphasis on accessories, quirky belts and stunning buckles are featured for their decorative extras by designers such as Karl Lagerfeld, Marc Jacobs, Michael Kors, Oscar de la Renta, Yves Saint Laurent bra lingerie, etc.
Tough gladiator dresses join the soft architectural fashion scene with heavy belts. "The collection is conscious of the internal body, revealing the inside on the out. Fabrics are draped to hold shape in the same way as a skeleton" says Marios Schwab. These tough dresses amidst the soft mood of the season, are included in the collections of Alberta Ferretti, Christopher Kane, Emporio Armani, Givenchy, Marios Schwab, etc.
Forgetting a belt is a no-no! Tighten up your fashion sense by a notch or two - wear a beltbucklebelt!
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