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「書中短短的真人真事, 串成一幅愛的圖畫, 讓我看到人間依然有情有愛。」(一讀者)本書由中信出版, 不到一年已印第九版,可在 ccmbookroom.org 訂購

 

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問題解答

我每天都收到喜歡理財的朋友和弟兄姊妹用E-MAIL寄來的問題,以下我抽出了一些較為一般性的回答,並先將任何與個人私隱資料有關的部份刪去,目的是幫助其他對理財有興趣的朋友。由於回答是用英文,為了省時,我沒有翻譯成中文,希望沒有對太多的讀者造成不便。

打工誤會篇 
在日常生活中,有一些與工作有關的觀念是似是而非的,以下為您列出五則。 誤會之一...
 
理財誤會篇 
過去我遇到許多對理財的誤解,有些甚至是源自專業人士。以下提幾個常見的誤會。 誤...
24.應該用WHOLE LIFE人壽保險為子女儲蓄嗎? 
A FEW YEARS AGO I BOUGHT WHOLE LIFE INSURANCE FOR EACH OF MY CHILDREN. THE INS...
 
23.離岸信托(OFF SHORETRUST)是不是真的可以保障財產和免稅? 
I HAVE HEARD A LAWYER ON RADIO AND TV TELLING PEOPLE THAT THEY CAN EASILY GET ...
22.我在七零年代買下的政府儲蓄債券是否可以捐贈慈善機構來避免利息收入納稅? 
I HAVE SOME U.S. SERIES EE SAVINGS BOND WHICH WE PURCHASED IN THE 70'S. I THIN...
 
21.我選擇的免稅債券基金是否正確? 
WHAT DO YOU THINK OF THE VANGUARD CALIFORNIA INSURED INTERMEDIATE TAX-EXEMPT F...
20.怎樣才可以以獨立的身份申請大學獎助學金? 
Our niece's parents are in Hong Kong and they are not giving her any financial...
 
19.我購買電腦的費用是否可以扣稅? 
I am a computer software analyst working as a consultant for a computer compan...
18.國外親人如果寄錢贈給我們是否要付稅? 
Our relatives overseas are going to be sending us some money as gifts by wire....
 
17.教會如何在做財政預算時平衡對神的信心和實際經濟收支狀況? 
Just like every home, every company and every country, a budget is necessary t...
16.我是否可以寄錢到海外去幫助親戚購買房子? 
My relatives overseas are thinking about buying a house, and they need some fi...
 
15.我應該怎樣報我的ROTH-IRA? 
Both my wife and I contributed $2,000 into Roth IRA in 1998. How do we report ...
14.我後悔買了WHOLE LIFE人壽保險現在應該怎樣辦? 
We bought two whole life insurance policy and we wish we did not. The agent to...
 
13.有關出租物業虧蝕扣稅的問題 
In 1998 I have both schedule C income (for being self-employed for a part of t...
12.我應該怎樣捐贈教會或慈善機構才最有稅務上的好處? 
I want to increase my donations to charities and to gospel organizations inste...
 
11.我父母的自住房屋是否會影響他們將來退休領取政府福利? 
My parents have a property which they live in. Will this affect their qualifyi...
10. 利用生前信托(LIVING TRUST)來策劃遺產 
不少的朋友應該考慮利用生前信托(LIVING TRUST)來做他們遺產策劃的主要工具,因為生前...
 
10. 我將我的名字加入父母的屋契後是否可以用房屋貸款利息扣稅? 
My parents are planning to refinance their home, and I want to put my name on ...
9.有關投資債券(包括中國債券)的問題? 
Where can I buy Chinese government bonds? Are they Yuan based, or US dollar ba...
 
8.NON-QUALIFIED STOCK OPTION可以贈給子女或非牟利機構來減稅嗎? 
I have quite a bit of non-qualified stock option vested in my company, and I a...
7.是否應該在退休後將401-K戶口的錢投資到年金(ANNUITY)? 
My father will be retiring soon, and he will get a lump sum payment from his c...
 
6.如何選擇401-K戶口的投資? 
I am going to participate in my employer's 401-K Plan but I have a hard time s...
5.交易時間之後的AFTER HOUR TRADING到底是什麼一回事?(WITH UPDATE) 
I often heard on news that a certain stock went up or down a certain points af...
 
4.低NAV的共同基金是否比高NAV的共同基金好? 
I have been looking at both Vanguard S&P 500 Index Fund (VFINX) and Fideli...
3.有關529子女大學教育儲蓄計劃的問題? 
I heard you talk about the "529 Plan" which you think may be the best tool to ...
 
2.是否應該用生前信托LIVING TRUST作為退休戶口的受益人BENEFICIARY? 
I have 401-K and IRA accounts. I wonder if I should name my living trust as th...
1.有關NON-QUALIFIED STOCK OPTION的處理策略(WITH UPDATE)? 
I have non-qualified stock options in the company I work for, and these option...