Creating Your Budget on Paper
Creating a household budget on paper won't provide graphical budget reports found in budgeting or personal finance software, but creating a budget on paper has the advantage of being always available, not just when the computer is on.
Budgeting on Paper
To create a budget form with pen and paper or a word processor, you need to decide if you will budget the same amount for expenses and income for each month, or if you will be budgeting fluctuating amounts across the year. The method you decide on dictates the number of columns you will need in your budget form.
Setting up a budget on paper can be as simple as using your writing instrument of choice and a ruler to draw rows and columns. The advantage of this system is that it is portable and always available. The disadvantage is that as you tweak your budget or find new categories you need to budget for, you will need to rewrite parts of the budget or redo it entirely.
If you budget the same amount each month, draw two columns on paper, one for income and expense categories (paycheck, groceries, utilities) and one for the monthly budgeted amount for each category. If you are budgeting income or expenses will fluctuate monthly, you need a column for the budgeted categories and twelve columns to hold monthly amounts.
Add up total expenses and income in a total row at the bottom of the budgeted amounts column. If you are budgeting for all twelve months, total each month indivially. The total expense rows need to be compared to total income to be sure you are not over-budgeted.
Read more at Suite101: Creating Your Budget on Paper: Personal Financial Planning http://personal-budget-creation.suite101.com/article.cfm/budget_planning#ixzz0dLKVBCWL
Budget Form Print Outs
Printing out a blank budget form from a web site or word processing software provides a neat format for recording budget data. This is a good solution for those who want to create their budget by hand but don't want to have to redraw lines for columns and rows when the budget changes.
As with a completely hand-written budget, you need to decide if you will budget the same amount for expenses and income for each month, or if you will be budgeting fluctuating amounts across the year. If you go with a static budget amount month after month, you only require two columns - one for the budgeted category and one for the amount budgeted. Budgeting different monthly amounts calls for a category column and a column for each month in a year. Be sure to include a total row beneath the budgeted amounts so you can see if total expenses surpass total income.
Free Budget Planning Printables
Using Tables in Microsoft Word: Tips on using the Tables feature in Microsoft Word to create your budget form.
These free printable budget planning forms require the free Adobe Reader
To use forms for tracking your monthly spending after you create your budget: print out the form, fill in budgeted amounts that will not change and then make photocopies to avoid recording budgeted amounts each month.
Use Balance Pro's complete budget form with a personal financial analysis with the 8-page Money Management Planner to break down current spending, planned budget and changes in spending needed to reach budgeted amounts. Includes weekly and monthly expense records.
Detailed Budget Worksheet from Freddie Mac includes lines for brief notes.
Monthly Budget Worksheet from www.SocialServe.com includes a Monthly Spending Summary on the last page, with a spot to record surplus or shortfall.
Less detailed and very colorful Simple Monthly Budget worksheet from www.aba.com.
Read more at Suite101: Creating Your Budget on Paper: Personal Financial Planning http://personal-budget-creation.
② 請問大家有沒有有關銀行理財產品的外文文獻字數在2.5萬個英文字元以上，最好有翻譯，謝謝！
翻譯我們可以
③ 關於銀行理財產品的外文文獻,2000字以上,跪求!!
外文文獻有，翻譯沒有，翻譯得靠你自己了，希望能滿足你的需要，能幫到你，如果需要直接網路Hi中留言同時貼出問題的鏈接地址和郵箱地址即可，或者告知其他安全可靠方式提供，多多給點懸賞分吧，急用的話請多選賞點分吧，這樣更多的知友才會及時幫到你，我找到也是很花時間的
④ 跪求一篇4000字左右的外文文獻，關於銀行保險的
2.Incentive contracts in the Chinese banking instry
To comprehend the impact of incentive contracts it is important to be familiar with the institutional background of China』s banking instry, the place in which the incentive contracts that we are studying were designed and executed. To this end we begin by focusing on two financial institutions in rural China, the Agricultural Bank of China(ABC)and the Rural Credit Cooperatives(RCC),covered by the survey data.
The ABC is one of the four specialized state-owned banks in China.5 It serves the financial needs of both urban and rural areas. In contrast, RCCs exclusively target rural clients. The main difference between the ABC and RCCs lies in the nature of ownership: the RCCs have a collective ownership status allowing them more flexibility in complying with central financial policies. The RCCs were formerly under the supervision of the ABC, but attained the status of an independent financial institution in 1994.These two financial institutions currently dominate the formal financial system in rural China.As of the late 1990s,they accounted for nearly 80 percent of total rural deposits and loans(Brandt and Li,2003;Brandt et al.,2005).
The ABC has its headquarters in Beijing and has branch offices at locations corresponding to every administrative level.6 In contrast, RCCs are local financial institutions with their headquarters–called the Federation of RCCs (xin yong lian she) –at the county level. In general, both the ABC and RCCs have established branches(henceforth referred to as bank branches)in each township. The locations of bank branches reflect the territorial structure of the governmental system, and the scope of business is designed to minimize overlapping and competition within the same institution.
Before the economic reforms started, China』s state-owned banks, just like other SOEs, were primarily subject to centralized management and economic planning. The government provided no incentives to motivate bank managers or workers to exert effort; their pay was predetermined and thus independent of performance. Since the early 1980s, however, China has sought to reform its banking sector. So far, the government』s major reform involves the introction of performance-based incentives for bank managers and workers; the managers are provided incentives, but the state has not relinquished ownership of the banks(Groves et al.,1994).As a major reform initiative to improve the performance of state-owned banks, especially targeted at increasing deposits and recing non-performing loans, the government initiated a bonus system for state-owned banks in the mid-1980s. Usually, the higher-level bank, a county bank in our case, signs a so-called responsibility contract indivially with each township branch manager. The contracts, normally signed on an annual basis, specify a formula tying the bank manager』s monetary rewards to performance.
2.獎勵的合同，在中國銀行界
理解的影響，激勵合同，這是重要的是要熟悉的體制背景下中國的銀行界，發生在其中的激勵合同，我們正在研究，設計並執行槍決。為此，我們首先著眼於兩個金融機構在中國農村，中國農業銀行（ ABC法）和農村信用社（碾壓混凝土） ，統計調查所涵蓋的數據。
美國廣播公司就是其中的四個專門國有獨資商業銀行在中國.5它的經濟需要，城市和農村地區。在此相反，農村信用社專門的目標，農村的客戶。之間的主要差別ABC和農村信用社，關鍵在性質所有權：農村信用社有一個集體所有權的地位，讓他們更靈活地遵守中央的金融政策。該以前農村信用社的監督下的ABC ，但達到的地位，一個獨立的金融機構在1994.these兩個金融機構目前主宰正規金融體系在中國農村.例如20世紀90年代末，他們占近80 ％的占農村總存款及貸款（勃蘭特和李， 2003年;勃蘭特等人， 2005年） 。
美國廣播公司其總部設在北京，並已分支辦事處的地點，相應的每個行政級別.6此相反，農村信用社是地方金融機構與他們的總部所謂的聯邦農村信用社（辛勇佘廉）在縣一級。在一般，無論是ABC和農村信用社建立了黨支部（此後被稱為銀行分行）在每一個鄉鎮。地點銀行分行反映領土結構的政府系統，以及業務范圍是設計，以盡量減少重疊和競爭，在同一機構。
前經濟改革開始，中國的國有獨資商業銀行，就像其他國有企業，主要是受到集中管理和經濟規劃。政府沒有提供誘因，激勵銀行經理或工人著力;他們的薪酬是既定的，因此獨立的表現。自八十年代初期，但是，中國已要求改革其銀行界。直至目前為止，政府的重大改革，涉及引入基於業績的獎勵措施，為銀行管理人員和工人;基金經理所提供的誘因，但國家並沒有放棄所有權的銀行（林等人， 1994年） 。作為一個重大改革，主動改善的表現，國有獨資商業銀行，特別是有針對性的增加存款，減少不履約貸款，政府發起了花紅制度，為國有獨資商業銀行在八十年代中期。通常情況下，更高水平的銀行，一個縣的銀行在我們的情況下，標志一個所謂的責任，合同單獨與每個鄉鎮分行經理。合同，通常簽署了關於一年度的基礎上，指定一個公式綁銀行經理的貨幣獎勵表現。
⑤ 急急急 跪求英文文獻 有關銀行理財產品的 最好有中英文對照
東亞銀行「利財通1」的理財產品的介紹你要麼？在境內銷售的理財產品人家用中文介紹。東亞銀行是港資公司，在國內和香港都有網點（但不同法人，因為國內銀行監管等法律法規有要求）。
你可以去查一下這款產品在香港有沒有銷售，如果有的話就有英文的介紹。
境內的合同如果沒有明確約定，中英文理解不同的以中文為准。
你還想要點什麼呢？如果詳細的話，有些材料幾萬字都有，關鍵是看你想干什麼。
⑥ 求一篇關於理財產品的外文文獻（不是中文英譯的） 字數大概8000左右的，翻譯成中文大概2000-3000的樣子
建議你去中國知網找 那裡的文獻是最全的 我現在考研也去那裡下載論文文獻
1、打開中國知網
2、點擊外文文獻 分類是主題
3、輸入「financial procts」（理財產品）
4、按檢索 就有超多文獻的了
中國知網只能用學校網路和各地大型的圖書館網路才能免費下載文獻 普通網路是要付費下載的
因為搜到的結果太多了 不知道你自己要哪一篇 我還有十多天才能回學校 你如果急的話可以選擇付費下載
⑦ 求一篇銀行理財產品的英文文獻
建議到銀行門口去要一份宣傳材料