理财的

The interest rate descends consumption level and wallet of fighting the people in general. Compound interest's rolling to increase wealth income is another way. But the person of real meeting is still a handful of men, hence the gap between rich and poor's pulling has to open more, the margin is also larger. If general citizen can't make use of wealth to create more wealths effectively, just only put in the bank, and acceptancy the super and low interest income. When in June, 2001, Legislative Yuan resolution insurance revision bill, The life insurance industry can start selling an investment linked insurance product . The advantage of this product will "investment","insurance" unite as one with" property management" knot, for the economic environment of present very much a rather big help, deserve a research..

中文摘要理财行为因应时代而产生，利率的下降打击著一般民众的消费水准及荷包，在低利率的时代，复利滚存来增加财富收入似乎是可行之道，但是真正会的人仍是少数人，於是贫富差距就拉得更开，差距也更大了，一般市民大众若是无法有效的利用财富创造更多的财富，只能放在银行，而强迫接受超低的利息收入，在西元2001年6月时，立法院决议保险修正法案，寿险业可以开始贩售投资型保险商品，此一商品的好处将「投资」、「保险」与「资产管理」结合而为一，所以投资型商品隐含著背后庞大的商机，因为对於现今的经济环境确实有著相当大的助益，值得研究

SABATTUS REGIONAL CREDIT UNION SELCO COMMUNITY CREDIT UNION SERVICES CREDIT UNION SERVICE CREDIT UNION SOUTHWEST CORPORATE FEDERAL CREDIT UNION SOUTH CAROLINA BANK AND TRUST, NATIONAL ASSOCIATION SOUTH CENTRAL SAVINGS BANK FSB SRP FEDERAL CREDIT UNION STAR PROCESSING INC. STATE BANK AND TRUST COMPANY STATE BANK OF SOUTHERN UTAH STATE EMPLOYEES CREDIT UNION STILLMAN BANCORP N.A. SUNCOAST SCHOOLS FEDERAL CREDIT UNION SUNTRUST BANK SUN COMMUNITY FEDERAL CREDIT UNION TARGET NATIONAL BANK TCM BANK, N.A. TELEPHONE WORKERS CREDIT UNION TESCO PERSONAL FINANCE LTD TEXAS BANK AND TRUST COMPANY THE BANK OF NEW GLARUS THE CREDIT UNION OF ALABAMA FEDERAL CREDIT UNION THE FARMERS BANK THE FIRST NATIONAL BANK OF MIFFLINTOWN THE FIRST NATIONAL BANK OF WYOMING THE GOLDEN 1 CREDIT UNION THE GOTHENBURG STATE BANK AND TRUST COMPANY THE GOVERNOR AND COMPANY OF THE BANK OF SCOTLAND THE PADUCAH BANK AND TRUST COMPANY THE SOUTHERN FEDERAL CREDIT UNION THREE RIVERS FEDERAL CREDIT UNION TIB THE INDEPENDENT BANKERSBANK TONGASS FEDERAL CREDIT UNION TOOELE FEDERAL CREDIT UNION TOWN NORTH BANK, NATIONAL ASSOCIATION TRACY FEDERAL CREDIT UNION TRAVIS CREDIT UNION TRONA VALLEY COMMUNITY FEDERAL CREDIT UNION U.S. BANK NATIONAL ASSOCIATION U.S. BANK NATIONAL ASSOCIATION, ND U.S. BANK NATIONAL ASSOCIATION UNION BANK, NATIONAL ASSOCIATION UNITED BANK, INC. USAA SAVINGS BANK U S POSTAL SERVICE FEDERAL CREDIT UNION VALLEY NATIONAL BANK VISIONS FEDERAL CREDIT UNION VISTA FEDERAL CREDIT UNION WACHOVIA BANK, NATIONAL ASSOCIATION WASHINGTON MUTUAL BANK WELLS FARGO BANK, NATIONAL ASSOCIATION WORLDS FOREMOST BANK

萨巴特斯区域信用联盟SELCO社区信贷联盟的服务储蓄互助社服务信用联盟南西科珀里特联邦信用合作社南卡罗来纳州银行和信托，国家储蓄银行协会中南财经事务局SRP的联邦信用合作社卫视处理有限公司国家银行和信托公司南犹他州州立银行国家雇员储蓄互助社斯蒂尔曼Bancorp公司不适用桑科斯特流派联邦信用合作社太阳信托银行Sun社区联邦信用合作社解决国家银行中医银行，不适用电话工人储蓄互助社特斯科超市有限公司德州个人理财银行和信托公司的新格拉鲁斯银行，阿拉巴马州联邦信用联盟信用合作社的农民银行第一届米夫林敦国家银行怀俄明州的第一金1学分联盟哥德堡国家银行和信托公司的总督和苏格兰银行的公司国家银行帕迪尤卡银行与信托公司的南联邦信贷联盟三国河流联邦信用合作社工商局的独立BANKERSBANK汤格西联邦信用合作社图埃勒联邦信用合作社镇北岸，全国协会特雷西联邦信用合作社特拉维斯储蓄互助社天然碱Valley社区联邦信贷协会全国联合会美国银行美国银行协会，国家协会钕美国银行联合银行，全国性协会联合银行，储蓄银行股份有限公司USAA公司美国邮政服务联邦信贷协会谷国家银行联邦信用合作社摄影视觉景色联邦信用合作社美联银行，华盛顿互惠银行全国协会富国银行，全国性协会世界最重要的银行

However,Although Chinese children,youth even college students' achievements in text study is not worse than American children,their disposition appears more passive:reluctant in behaving,timid,reliable,wanting comunication capability and self-reliance,uncapable of financial management,unsuitable of independent living.to be short,deficient in social living.there characteristics of Chinese children unquestionably have a deep tie with China's "Diplomacy Orentational Education".

我们可从中美两国家庭教育结果的比较中略见一斑：一般而言，美国的儿童、少年从小就表现出以下特点：性格倾向积极，遇事镇定沉着，能与人和谐相处，开朗、胆大，有克服困难的毅力，敢想、敢做，具有创新精神；自立能力强，社会活动能力强，有作为社会成员独立存在的信心和勇气，他们18岁开始不依靠家庭，多数打工补贴自身的消费需用；具有适应市场经济的头脑，他们从小就参与"当家理财"，学会一些推销、与顾客沟通的能力等"经营之道"，实践使他们深知钱来之不易，从而养成了精打细算、勤俭度日的习惯。

But as One-Stop fiscal service can almost surely leat to monopolies in the market by several fiancial giants,especially in the market of financial management as fiscal products design become more and more complicated,fianancial giants' brand effectiveness garadually replaced strict financial supervision and serious products identification,as customers can't understand this products,they are acctually pick brand and buy commitments.

但由于&一站式&的金融服务几乎必然导致少数金融巨头的市场垄断，特别是在金融产品的设计越来越复杂的理财产品市场中，金融巨头的品牌效应逐渐替代了严格的金融监管和认真的产品鉴别，许多客户在无法理解这些金融产品的时候，实际上只是在挑牌子，买承诺。

Investigation shows that people have a more tolerant attitude towards the practice of notarizing property before marriage, especially among those with a medium or advanced education background with 46% bachelors have or are planning to notarize the property before thei rmarriage.also, the investigation shows that in the past the property of the two parties were managed together, while today those to get married tend to keep part of their own property although there are some parts being managed by the two parties together.

调查显示，对于&婚前财产公证&的态度，随着时代的变迁，人们越来越宽容和接受了，尤其是中高学历者，46%的本科学历者&做过或打算做婚前财产公证&。在调查中还发现，传统方式上，婚后一般双方的财产是放在一起管理的，可是目前，未婚者对于财产的管理比已婚者更倾向于&保留自己的部分财产，然后把余下的部分共同管理&这种理财方式，经济有一定的独立性，又不失一个家庭的作用。

Investigation shows that people have a more tolerant attitude towards the practice of notarizing property before marriage, especially among those with a medium or advanced education background with 46% bachelors have or are planning to notarize the property before thei rmarriage.also, the investigation shows that in the past the property of the two parties were managed together, w

在调查中还发现，传统方式上，婚后一般双方的财产是放在一起管理的，可是目前，未婚者对于财产的管理比已婚者更倾向于&保留自己的部分财产，然后把余下的部分共同管理&这种理财方式，经济有一定的独立性，又不失一个家庭的作用。

Investigation shows that people have a more tolerant attitude towards the practice of notarizing property before marriage, especially among those with a medium or advanced education background with 46% bachelors have or are planning to notarize the property before thei rmarriage.also, the investigation shows that in the past the property of the two parties were managed together, while today those to get married tend to keep part of their own property although there are some parts being managed by the two parties together.

在调查中还发现，传统方式上，婚后一般双方的财产是放在一起管理的，可是目前，未婚者对于财产的管理比已婚者更倾向于&保留自己的部分财产，然后把余下的部分共同管理&这种理财方式，经济有一定的独立性，又不失一个家庭的作用。

Gregory of Nazianzus, in his "De fuga", treats of the dignity and responsibility of the priesthood; Chrysostom's "De sacerdotio" exalts the sublimity of this state with surpassing excellence; St. Ambrose in his "De officiis", while speaking of the four cardinal virtues, admonishes the clerics that their lives should be an illustrious example; St. Jerome's "Epistola ad Nepotianum" discusses the dangers to which priests are exposed; finally, the "Regula pastoralis" of Gregory the Great inculcates the prudence indispensable to the pastor in his dealings with different classes of men.

格雷戈里的nazianzus ，在他的&德风雅&，待人的尊严和责任的神职人员；金口的&时点sacerdotio & exalts崇高的这种状况与超越卓越；圣刘汉铨在他的&德officiis &，而在谈到有关坚持四项基本原则，品德，告诫教士，他们的生活应该是一个杰出的例子，圣杰罗姆的& epistola专案nepotianum &论述的危险，其中牧师暴露；最后，&规范pastoralis &的格里高利大inculcates审慎理财不可免牧师在他与不同类别的男人。

Investigation shows that people have a more tolerant attitude towards the prac tice of notarizing property before marriage, especially among those with a med ium or advanced education background with 46% bachelors have or are planning t o notarize the property before their marriage.also, the investigation shows th at in the past the property of the two parties were managed together, while to day those to get married tend to keep part of their own property although ther e are some parts being managed by the two parties together.

调查显示，对于&婚前财产公证&的态度，随着时代的变迁，人们越来越宽容和接受了，尤其是中高学历者，46%的本科学历者&做过或打算做婚前财产公证&。在调查中还发现，传统方式上，婚后一般双方的财产是放在一起管理的，可是目前，未婚者对于财产的管理比已婚者更倾向于&保留自己的部分财产，然后把余下的部分共同管理&这种理财方式，经济有一定的独立性，又不失一个家庭的作用。

On the other hand, the more important thing is because the urban housing is a kind of heterogeneity products.

另一方面，更重要的是由于城市住房是一种异质性产品。

Climate histogram is the fall that collects place measure calm value, cent serves as cross axle for a few equal interval, the area that the frequency that the value appears according to place is accumulated and becomes will be determined inside each interval, discharge the graph that rise with post, also be called histogram.

气候直方图是将所收集的降水量测定值，分为几个相等的区间作为横轴，并将各区间内所测定值依所出现的次数累积而成的面积，用柱子排起来的图形，也叫做柱状图。