{{sellerTotalView > 1 ? __("sellers", {number: sellerTotalView}) : __("seller", {number: sellerTotalView}) }}, {{numTotalView > 1 ? __("items", {number: numTotalView}) : __("item", {number: numTotalView}) }}
free FREE

Change Your Zip Code

Inventory information and delivery speeds may vary for different locations.

Location History

{{email ? __('Got it!') : __('Restock Alert')}}

We will notify you by email when the item back in stock.

Cancel
Yami

Jingdong book

小白理财入门

{{buttonTypePin == 3 ? __("Scan to view more PinGo") : __("Scan to start")}}

小白理财入门

{{__(":people-members", {'people': item.limit_people_count})}} {{ itemCurrency }}{{ item.valid_price }} {{ itemCurrency }}{{ item.invalid_price }} {{ itemDiscount }}
Ends in
{{ itemCurrency }}{{ item.valid_price }}
{{ itemCurrency }}{{ priceFormat(item.valid_price / item.bundle_specification) }}/{{ item.unit }}
{{ itemDiscount }}
{{ itemCurrency }}{{ item.valid_price }} {{ itemCurrency }}{{ priceFormat(item.valid_price / item.bundle_specification) }}/{{ item.unit }} {{ itemCurrency }}{{ item.invalid_price }} {{itemDiscount}}
{{ itemCurrency }}{{ item.valid_price }}
Sale ends in
Sale will starts after Sale ends in
{{ getSeckillDesc(item.seckill_data) }}
{{ __( "Pay with Gift Card to get sale price: :itemCurrency:price", { 'itemCurrency' : itemCurrency, 'price' : (item.giftcard_price ? priceFormat(item.giftcard_price) : '0.00') } ) }} ({{ itemCurrency }}{{ priceFormat(item.giftcard_price / item.bundle_specification) }}/{{ item.unit }}) Details
Best before

Currently unavailable.

We don't know when or if this item will be back in stock.

Unavailable in your area.
Sold Out

Details

Full product details
Editer Recommend

从零开始学理财,五天变身理财达人
中国白领理财宝典
赚钱是你为钱打工,理财是钱为你打工
献给渴望实现财务自由的你
Content Description

《小白理财入门》是一本指导都市白领如何有效投资理财的工具书。会赚钱是好事,会理财是大事,投资理财的目的是积累财富,创造更大收益。理财改变命运,投资赢得财富,投资有方,理财有道,你不理财,财不理你,你若理财,财可生财。在本书的第一章,作者用大量的篇幅介绍了理财过程中不可不知的投资定律,正是这些定律决定了我们最后成为穷人还是富人。接下来的各章,作者通过案例、图表、概念和方法的形式,手把手地教读者理财知识,内容涵盖储蓄、债券、股票、基金、保险、P2P、房地产、黄金、外汇等日常生活中最常见的九大理财工具。通过本书的学习,读者将领悟到理财过程中的核心观念和知识,并在快乐阅读中,从理财小白变身理财高手,最终过上梦想中财务自由的生活。
Author Description

张静波,浙江大学管理学硕士。拥有近8年的媒体从业经验,长期跟踪研究房地产、能源、钢铁等行业,著有《三星韩国造》《看得懂的中国房价》《读心术》《乔布斯的哲学》《微表情》等多部作品。

吴军,毕业于杭州商学院,2003年毕业于浙江大学管理学院,获硕士学位。主持过多项省市课题,发表论文10余篇。情感专家、专栏作家,《家庭之友》杂志编辑,出版作品《花点心思谈恋爱》《懂爱的女人幸福一生》《完美恋爱重点书》《完美婚姻重点书》等多部畅销书。
Catalogue

第1章 不可不知的投资定律
1.理财,从记账开始
2.开源和节流并重
3.合理分配家庭财产
4.寻找风险与收益的平衡点
5.不要把鸡蛋放在一个篮子里
6.复利的威力胜过原子弹
7.适度负债,发挥杠杆效应
8.通胀是财富最大的敌人
第2章 储蓄:教你榨干银行的利息
1.银行储蓄的常见误区
2.活期VS定期:合理搭配,兼顾收益性和灵活性
3.通知存款法:把活期当定期来存
4.十二存单法:让你的存款滚雪球
5.阶梯存款法:大笔钱分开存更划算
6.金字塔存款法:数额不等的定期存单组合
7.外币存款法:利用本币和外币的利率差
8.大额存单:可转让的定期存款
第3章 债券:稳健理财的首选
1.债券基础知识
2.国债:最安全的债券
3.金融债:收益率胜过国债
4.企业债:持债守息,等待过激
5.可转债:有本金保证的股票
6.国债逆回购:超短期理财神器
7.如何规避债券风险
第4章 股票:最好的长期投资工具
1.股票基础知识
2.基本面:价值投资的基础
3.形态和趋势:技术分析的基础
4.分时走势图:从盘口探知主力意图
5.K线图:10种经典的买卖信号
6.均线:格兰威尔8大买卖法则
7.成交量:先有量,后有价
8.MACD:指标之王
9.止盈、止损和仓位控制
第5章 基金:把钱交给专家打理
1.基金基础知识
2.货币基金:理想的现金管理工具
3.债券基金:适合长期持有的投资品种
4.股票基金:让专家替你炒股
5.指数基金:完美复制指数的表现
6.分级基金:带杠杆的赚钱利器
7.基金定投:懒人理财,小钱变大钱
第6章 保险:家庭有效的避险工具
1.保险基础知识
2.寿险:越早购买费用越低
3.健康险:减轻家庭的经济负担
4.意外险:给未来买一份保障
5.分红险:能够抵御通胀的保险
6.投连险:保障与投资相结合
7.万能险:储蓄型理财新通道
第7章 P2P:未来的主流理财方式
1.P2P基础知识
2.拍拍贷:纯线上模式
3.宜信:债权转让模式
4.陆金所:担保抵押模式
5.钱庄:O2O模式
6.积木盒子:P2B模式
第8章 房地产:看得见、摸得着的投资
1.房地产基础知识
2.普通住宅:投资最多的房产
3.别墅:最稀缺的房产
4.公寓:不限购、不限贷的房产
5.商铺:租金回报丰厚的房产
6.写字楼:租金收益率最高的房产
7.二手房:最省心的房产
第9章 黄金:最好的保值工具
1.黄金基础知识
2.黄金的历史
3.现货黄金:世界第一大股票
4.国内现货黄金:以人民币交易的黄金
5.期货黄金:以小博大的杠杆投资
6.实物黄金:最适合个人投资的黄金
7.纸黄金:黄金的纸上交易
第10章 外汇:全球最大的金融市场
1.外汇基础知识
2.即期外汇:最常见的外汇
3.远期外汇:个人外汇交易的新渠道
4.外汇期货:有交割期限的外汇
5.外汇期权:未来买卖某种外汇的权利
Book Abstract

理财,从记账开始
家庭理财要从储蓄开始,没有资金,任何投资都将无从谈起。美国学者托马斯·史丹利曾对近万名百万富翁作过调查,结果发现,84%的富人都是从储蓄和省钱开始积累第一桶金的。可见,储蓄和省钱在投资理财方面的重要性。
遗憾的是,很多人对自己的财务状况并不了解,他们过着“月光族”的生活,每个月工资刚到手就花光,信用卡刷爆那是常有的事,想存钱却始终存不下来。
俗话说,不怕花钱多,就怕花钱没计划。这种随意性开支是“月光族”产生的根源。要想消除这一根源,就必须学会记账,厘清自己的财务状况。通过记账,我们可以从账单中看出钱的流向,从而分析支出的合理性,看看哪里多花了,哪里最不该花,这样做有利于控制支出,增加收支结余,从而为理财打下基础。
那么,怎样做好记账这项理财基本功呢?一般人常用的方式是流水账,按照时间、花费、项目逐一登记,例如,7月9日购买了一件200元的外套。这种记账方式只考虑支出,不考虑收入,即使记下也是一笔糊涂账,对理财帮助不大。
从财务的角度来看,记账有两个角度,一个是钱从哪里来,即收入;另一个是钱往哪里去,即支出。每天记账我们都必须清楚记录资金的来源和去处,也就是会计学上讲的复式记账。
对于上班族而言,收入一般比较确定,就是工资加奖金,所以支出是记账的重点。支出大体上分为两个部分:一是消费性支出,包括日常生活开销,例如超市购买的日用品、商场购买的服装;二是资本性支出,例如购买房产和股票。
通过逐笔记录每一笔收入和支出,我们就可以在每个月底作一次汇总,从而对自己的财务状况了如指掌。表1-1是刘先生一家的收入支出情况。
收入金额(元)支出金额(元)本人月收入15000家庭日常月支出10500配偶月收入8000贷款月供3500其他0其他月支出2000月均收入23000月均支出16000月结余7000元
从表1-1可以看出,刘先生一家的工资收入占到总收入的100%,显示家庭收入来源比较单一,可以尝试通过兼职收入、租金收入等拓宽收入渠道。
支出方面,日常月支出为10500元,包括生活支出和养车支出,占66%;房贷月支出3500元,占22%;其他月支出2000元,包括赡养父母费用1000元。由此可见,刘先生一家的日常月支出偏高,占到月总收入的46%,可进一步进行控制,增加储蓄金额。
记账虽然好,但很多人嫌麻烦,每天事无巨细地记录每一笔收入和支出,对于某些犯懒的人来说,简直比杀了他还难受。好在如今已进入刷卡时代,日常消费我们可以尽量选择刷卡,这样就可以通过银行账单来帮助我们记账。
更方便的是,随着智能手机的普及,我们不再需要像以前一样,费时费力地记账,只需下载一款免费记账软件,就能随手记账,例如随手记、挖财、爱记账等。与传统的笔记本和EXCEL记账方式不同,APP记账虽然同样是按照时间、花费、项目逐一记录账目,但在速度、功能和账目呈现方式上都更为灵活便利。
以挖财应用为例,该APP为用户设计了多种贴心的实用场景,以帮助操作者在任意时间、任意地点借助手机方便地记录收入和支出,减少疏漏。
此外,挖财还提供了报表输出功能,人们无须额外计算,就能通过图形或百分比的形式直观地分析自己的支出明细。在此基础上,我们还可以分析一些简单的财务指标,例如消费比率、储蓄比率、资产负债率和紧急预备金倍数。
〖1〗消费比率=月支出/月收入×100%。该指标主要反映家庭财务收支情况,该比率控制在40%—60%为宜。
储蓄比率=(月收入-月支出)/月收入×100%。该指标反映家庭控制支出和增加净资产的能力,一般控制在40%左右。
资产负债率=月末负债总额/资产总额×100%。该指标主要衡量家庭偿债能力,一般控制在50%左右。
紧急预备金倍数=流动资产/最近三个月平均支出金额。该指标衡量家庭财务应急能力,一般不应低于3倍。
当然,要养成用APP记账的好习惯,还需要掌握一些小技巧。
◆整理支出票据
尽管有记账软件,但我们仍然需要整理支出票据。这要求我们平时养成索要发票的习惯,在收集的发票上清楚记下消费时间、金额、品名等项目。此外,银行扣缴单据、刷卡签单、存取款单据等都要一一保存好,以方便日后统计。
如果你懒得写字,许多软件还提供了多种输入方式,例如,随手记设有拍照功能,可先拍下小票,等有空时再整理;挖财则设有语音记账功能。
◆分门别类记清楚
很多人为了图方便,记账时只记录单一的支出金额,而不注明具体项目。这种记账方式虽然能够反映总体消费,但却无法了解账目的细节,以致在进行账目回顾时有一种稀里糊涂的感觉。为了更深入地掌握我们的收支情况,记账时最好分门别类,按照餐饮、交通、购物、娱乐、医教等不同门类进行记录,这样才能在后续的分析总结时做到井井有条,有助于我们控制不必要的开支。
◆设置记账提醒
记账最难的就是坚持,很多人刚开始记账热情高涨,但新鲜几天后发现太烦琐,最后不得不放弃。针对这种情况,多数记账软件都有专门的提醒功能,我们可以根据需要设定合理的提醒时间和周期。如果觉得自我鼓励还不够,也可以和周围的朋友共勉,相互提醒和分享记账成果。
万事开头难,一旦你坚持住,久而久之就会形成一种良好的记账习惯。在此基础上,你能够控制好每一笔开支,最后就会收到意想不到的效果。
……
Introduction

在这个世界上,没有人愿意一辈子贫穷,谁都渴望过上体面的日子。但每个月领着固定的死工资,却又让我们陷入绝望。无论我们怎么努力,都很难通过攒钱积累下大笔的财富。于是,让钱为我们赚钱就成为很自然的选择。
也正是因为如此,“理财”这个词在最近几年变得越来越热门,我们都看过《富爸爸穷爸爸》,我们都追逐过银行理财产品,我们都购买过“余额宝”,我们还投资股票,甚至炒作黄金、期货和外汇。然而,我们身边似乎鲜有因此而发家致富的人。这到底是为什么?难道理财也不能让我们变得富裕吗?
NO,当然不是,理财当然能让我们致富。只是作为一名理财小白,我们真的缺乏富人的思维、富人的观念,以及富人的理财知识。举个简单的例子,很多人进股市都抱着一种暴富的心态,追涨杀跌,寻求刺激,然而所谓财不入急门,你越是着急赚钱,越容易与财富擦肩而过,甚至遭受重大的损失。要想赚到钱,你就必须放平心态,保守投资,让复利成为财富的加速器,而不是靠运气。
再比如,很多人在投资一个新品种之前,几乎从来不做功课就贸然投资,结果因为不熟悉规则,最终导致惨痛的失败。前不久,就有大量的投资者因为误打误撞,买入分级基金B份额,结果血本无归!
由此可见,要想积累财富,不但要理财,还要学会正确地理财。从这个意义上讲,本书就是为那些既缺乏理财观念又缺乏理财知识的理财小白准备的。
在本书的第一章,用大量的篇幅介绍了理财过程中不可不知的投资定律,正是这些定律决定了你最后成为穷人还是富人。
接下来的各章,通过案例、图表、概念和方法的形式,手把手地教你理财知识,内容涵盖储蓄、债券、股票、基金、保险、P2P、房地产、黄金、外汇等日常生活中最常见的九大理财工具。
通过本书的学习,你将领悟到理财过程中的核心观念和知识,并在快乐阅读中,从理财小白变身理财高手,最终过上梦想中财务自由的生活。
每本书的出版都离不开众多幕后英雄的支持。本书从策划开始,就得到了张朝贵、钟翠芳、牛晓玲、牛领辉、王帅、张昀明、陈宇峰、王义龙、赵菁、张静娴、张玉雄、张燕等人的帮助,他们为本书的编写提供了大量宝贵的资料和建议,在此一一表示感谢。
编著者2015年10月28日

Specifications

Brand Jingdong book
Brand Origin China

Disclaimer

Product packaging, specifications and price are subject to change without notice. All information about the products on our website is provided for information purposes only. Please always read labels, warnings and directions provided with the product before use.

View Full Terms of Use
Add to favorites
{{ $isZh ? coupon.coupon_name_sub : coupon.coupon_ename_sub | formatCurrency }}
{{__("Buy Directly")}} {{ itemCurrency }}{{ item.directly_price }}
Quantity
{{ quantity }}
{{ instockMsg }}
{{ limitText }}
{{buttonTypePin == 3 ? __("Scan to view more PinGo") : __("Scan to start")}}
Sold by JD@CHINA
Ship to
{{ __("Ship to United States only") }}
Free shipping over 69
Genuine guarantee

Added to Cart

Keep Shopping

More to Consider

{{ item.brand_name }}

{{ item.item_name }}

{{ item.currency }}{{ item.market_price }}

{{ item.currency }}{{ item.unit_price }}

{{ item.currency }}{{ item.unit_price }}

Coupons

{{ coupon.coupon_name_new | formatCurrency }}
Clip Clipped Over
{{ getCouponDescStr(coupon) }}
{{ coupon.use_time_desc }}
Expires soon {{ formatTime(coupon.use_end_time) }}

Share this item with friends

Cancel

Yami Gift Card

Get this exclusive deal when paying with gift card

Terms and Conditions

Gift card deals are special offers for selected products;

The gift card deals will automatically be activated if a customer uses gift card balance at check out and the balance is sufficient to pay for the total price of the shopping cart products with gift card deals;

You will not be able to activate the gift card deals if you choose other payment methods besides gift card. The products will be purchased at their normal prices;

If your account balance is not enough to pay for the products with gift card deals, you can choose to reload your gift card balance by clicking on the Reload button at either shopping cart page or check out page;

Products that have gift card deals can be recognized by a special symbol showing 'GC Deal';

For any additional questions or concerns, please contact our customer service;

Yamibuy reserves the right of final interpretation.

Sold by Yami

Service Guarantee

Yami Free Shipping over $49
Yami Easy Returns
Yami Ships from United States

Shipping

  • United States

    Standard Shipping is $5.99 (Excluding Alaska & Hawaii). Free on orders of $49 or more.

    Local Express is $5.99 (Available in Parts of CA, NJ, MA & PA). Free on orders of $49 or more.

    2-Day Express (Includes Alaska & Hawaii) starts at $19.99.

Return Policy

Yami is committed to provide our customers with a peace of mind when purchasing from us. Most items shipped from Yamibuy.com can be returned within 30 days of receipt of shipment (For Food, Beverages, Snacks, Dry Goods, Health supplements, Fresh Grocery and Perishables Goods, within 7 days of receipt of shipment due to damages or quality issues; To ensure that every customer receives safe and high-quality products, we do not provide refunds or returns for beauty products once they have been opened or used, except in the case of quality issues; Some products may have different policies or requirements associated with them, please see below for products under special categories, or contact Yami Customer Service for further assistance).
Thank you for your understanding and support.

Learn More

Sold by Yami

Terms and Conditions of Yami E-Gift Card

If you choose “Redeem automatically” as your delivery method, your gift card balance will be reload automatically after your order has been processed successfully;

If you choose “Send to Email”as your delivery method, the card number and CVV will be sent to the email address automatically;

Any user can use the card number and CVV to redeem the gift card, please keep your gift card information safely. If you have any trouble receiving email, please contact Yami customer service;

Yami gift card can be used to purchase both Yami owned or Marketplace products;

Yami gift card will never expire;

Yami gift card balance does not have to be used up at once;

All rights reserved by Yami.

Return Policy

Gift card that has already been consumed is non-refundable.

Sold by JD@CHINA

Service Guarantee

Yami Free Shipping over $49
Yami Easy Returns
Yami Ships from United States

Shipping

  • United States

    Standard Shipping is $5.99 (Excluding Alaska & Hawaii). Free on orders of $49 or more.

    Local Express is $5.99 (Available in Parts of CA, NJ, MA & PA). Free on orders of $49 or more.

    2-Day Express (Includes Alaska & Hawaii) starts at $19.99.

Return Policy

You may return product within 30 days upon receiving the product. Items returned must be new in it's original packing, including the original invoice for the purchase. Customer return product at their own expense.

Sold by JD@CHINA

Service Guarantee

Yami Cross-store Free Shipping over $69
Yami 30-days Return

Yami-China FC

Yami has a consolidation warehouse in China which collects multiple sellers’ packages and combines to one order. Our Yami consolidation warehouse will directly ship the packages to your door. Cross-store free shipping over $69.

Return Policy

You may return products within 30 days upon receiving the products. Sellers take responsibilities for any wrong shipment or missing items. Packing needs to be unopened for any other than quality issues return. We promise to pack carefully, but because goods are taking long journey to destinations, simple damages to packaging may occur. Any damages not causing internal goods quality problems are not allowed to return. If you open the package and any quality problem is found, please contact customer service within three days after receipt of goods.

Shipping Information

Yami Consolidation Service Shipping Fee $9.99(Free shipping over $69)

Sellers in China will ship their orders within 1-2 business days once the order is placed. Packages are sent to our consolidation warehouse in China and combined there. Our Yami consolidation warehouse will directly ship the packages to you via UPS. The average time for UPS to ship from China to the United States is about 10 working days and it can be traced using the tracking number. Due to the pandemic, the delivery time may be delayed by about 5 days. The package needs to be signed by the guest. If the receipt is not signed, the customer shall bear the risk of loss of the package.

Sold by JD@CHINA

Service Guarantee

Free shipping over 69
Genuine guarantee

Shipping

Yami Consolidated Shipping $9.99(Free shipping over $69)


Seller will ship the orders within 1-2 business days. The logistics time limit is expected to be 7-15 working days. In case of customs clearance, the delivery time will be extended by 3-7 days. The final receipt date is subject to the information of the postal company.

Yami Points information

All items are excluding from any promotion or points events on Yamibuy.com

Return Policy

You may return product within 30 days upon receiving the product. Items returned must be new in it's original packing, including the original invoice for the purchase. Customer return product at their own expense.

Yami

Download the Yami App

Back Top

Recommended for You

About the brand

Jingdong book

为您推荐

Yami
欣葉
2种选择
欣叶 御大福 芋头麻薯 180g

周销量 600+

$1.66 $1.99 83折
Yami
欣葉
2种选择
欣叶 御大福 芋头麻薯 180g

周销量 600+

$1.66 $1.99 83折
Yami
欣葉
2种选择
欣叶 御大福 芋头麻薯 180g

周销量 600+

$1.66 $1.99 83折
Yami
欣葉
2种选择
欣叶 御大福 芋头麻薯 180g

周销量 600+

$1.66 $1.99 83折
Yami
欣葉
2种选择
欣叶 御大福 芋头麻薯 180g

周销量 600+

$1.66 $1.99 83折
Yami
欣葉
2种选择
欣叶 御大福 芋头麻薯 180g

周销量 600+

$1.66 $1.99 83折

Reviews{{'('+ commentList.posts_count + ')'}}

Have your say. Be the first to help other guests.

Write a review
{{ totalRating }} Write a review
  • {{i}} star

    {{i}} stars

    {{ parseInt(commentRatingList[i]) }}%

Yami Yami
{{ comment.user_name }}

{{ showTranslate(comment) }}Show Less

{{ strLimit(comment,800) }}Show more

Show Original

{{ comment.content }}

Yami
Show All

{{ formatTime(comment.in_dtm) }} VERIFIED PURCHASE {{groupData}}

{{ comment.likes_count }} {{ comment.likes_count }} {{ comment.reply_count }} {{comment.in_user==uid ? __('Delete') : __('Report')}}
Yami Yami
{{ comment.user_name }}

{{ showTranslate(comment) }}Show Less

{{ strLimit(comment,800) }}Show more

Show Original

{{ comment.content }}

Yami
Show All

{{ formatTime(comment.in_dtm) }} VERIFIED PURCHASE {{groupData}}

{{ comment.likes_count }} {{ comment.likes_count }} {{ comment.reply_count }} {{comment.in_user==uid ? __('Delete') : __('Report')}}

No related comment~

Review

Yami Yami

{{ showTranslate(commentDetails) }}Show Less

{{ strLimit(commentDetails,800) }}Show more

Show Original

{{ commentDetails.content }}

Yami
Show All

{{ formatTime(commentDetails.in_dtm) }} VERIFIED PURCHASE {{groupData}}

{{ commentDetails.likes_count }} {{ commentDetails.likes_count }} {{ commentDetails.reply_count }} {{commentDetails.in_user==uid ? __('Delete') : __('Report')}}

Please write at least one word

Comments{{'(' + replyList.length + ')'}}

Yami Yami

{{ showTranslate(reply) }}Show Less

{{ strLimit(reply,800) }}Show more

Show Original

{{ reply.reply_content }}

{{ formatTime(reply.reply_in_dtm) }}

{{ reply.reply_likes_count }} {{ reply.reply_likes_count }} {{ reply.reply_reply_count }} {{reply.reply_in_user==uid ? __('Delete') : __('Report')}}

Please write at least one word

Cancel

That’s all the comments so far!

Write a review
How would you rate this item?

Please add your comment.

  • A nice nickname will make your comments more popular!
  • The nickname in your account will be changed to the same as here.
Thanks for your review
Our community rely on great reviews like yours to find the best of Asia.

Report

If you find this content inappropriate and think it should be removed from the Yami.com site, let us know please.

Cancel

Are you sure to delete your review?

Cancel

You’ve Recently Viewed

About the brand

Jingdong book