问答题 1. 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.
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.
2. 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.
3. 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.
This fund should be kept in safe and easy-to-tap assets. Laddering certificates of deposit out six months is one way.