I am a businessman

Financing plan to analyze '  Part of primary school)  : (4)   
A: If madam is laid off, it is estimated that the family income may drop to 50,000 yuan every year. According to the present living standard, even if save again, excluding the expenses that the child studied, the expenses of monthly life costs 2500 yuan too, annual expenditure will be up to 30,000 yuan. Of remaining 20,000 yuan, the expenses that the child studied will take half possibly, so this family can be since from the fund that is budgeted in the future, only about 10,000 yuan too every year.  
At present, the child just studied in the primary school, age should be 7 years old, parents' age was probably about 38 years old. Generally speaking, there can be about half of fund and carry on the investment of risk in the family of this age. But consider madam will be laid off soon, without incomes, the ability that the family resists the risk is weaker, will consider letting the appreciation with a certain degree of assets of the family prepare money of the child's education again at the same time, so plan to take out the investment which carry on the risk financial product of 3500 yuan of 10,000 yuan that can be controlled every year, for example invest in stock and stock type fund, other 6500 yuan is invested in and is similar to the fixed income variety of paying attention to property product of RMB of the bank, construct one short of risk investment, how fixed income financing association of variety, can solve child's gold problem of education in the future effectively.  
2.Q: I am a businessman, earn money and depend on one's own judgement completely, in case a certain decision misses, may lose a fortune soon. So though the income is considerable, there are certain risks. My wife's working properties are different from me, her unit welfare is good, the wages is very steady too. The sum of we two's incomes is about 700,000 every year at present. My daughter, the boarding at the nursery type primary school is studying, costs 20,000 yuan every year. I plan to send her abroad in the high school, until being for her to finish college abroad like this, guard and estimate that needs 2 million at least too. Whom I worry about now, in case I make the investment, fail at business in the future, great amount of tuition of daughter who come on, produce? Could you tell me how the family like us should manage money matters, can provide for a rainy day and do a good job of the guarantee?  
A: In the author's planning designer's career, have met the persons of the financing of a lot of pairs of companies and management of personal money with very fuzzy demarcation line. The target of company's financing is a corporate juridical person, and the financing to a group, including financial affairs, market strategy and competition advantage of the company,etc., the target of the management of personal money includes individual, family and assets. Fairly clear on some concepts of people, but once involve self-employed entrepreneur, private corporation and enterprise run by the local people, the money that especially worked as the personal boss has already been used for keeping company's managing at ordinary times, and also while affording the expenses of family life, what is the property of individual and family? What is a personal boss' property of company? Can the two count together? What differences are there? The understanding of these problems will often happen "  Personal assets and company's assets are obscured "  Mistake.  
We often hear of more than one hundred million of personal value of the boss of so-and-so Company, but in the course of repaying the house expenses, it is even very difficult to take out several ten thousand yuan sometimes. In fact, the company assets of the main fact of individual enterprise are often numerous, but the money can't be taken out and used to the family from the company, what the management of personal money paid close attention to the fact is how much are enterprise's mainly personal family's own assets. There are essential differences between company assets of the main fact of individual enterprise and own assets, can't count together. Individual enterprise chief commander profit Company produce take go home, supporting family use, the fund go on reinvest, only when, we confirm this sum of money is charged to individual or family's assets.  
Protagonist of question this, must distinguish fund and bring out carry on fund that business invest future to put one's own family strictly at first, then must confirm incomes of 700,000 of every year now of two people of couple and can be used for the family. I feel that perhaps may not be like this from the protagonist's narration!  
On one hand is it individual or the company to distinguish the income, on the other hand should ask " why there is such big expenses " even more? Is such expenses reasonable? " This question protagonist's trouble, I'm afraid that caused by expenses. By author's knowledge of Chinese and foreign education state, the advantage of Chinese education lies in the foundation is sturdy, and educate and emphasize student's independence and the initiative, ability of raising questions and innovation abroad even more. High school even stage that students do spade work, gain knowledge of undergraduate course of the university, get Master degree candidate and doctor course, can pay close attention to independent innovation ability of student. China's basic education is strict and obvious to all, the achievement is well known, the protagonist is still at the stage when does spade work the child, give up basic education advantage that domestic even foreigner envy, take, 2 million let child go, accept foreign inferior position basic education instead, have really done a thing of throwing the helve after the hatchet. Needn't go to seek some wonderful financing methods extraly, let children accept the high school and education of undergraduate course of the university at home, save 2 million and go abroad while pursuing the master degree for children, it is the best financing method.  
3.Q: My wife has been working as the full-time housewife at home all the time after finishing giving birth to the child, so the family depends on the income life of 150,000 years of my own completely at present. The son has 2 years to graduate from primary school, for money every year on him probably in seven to 8,000 yuan, in addition we have housing loan and burden of maintaining the car, so there can only be a small amount of surplus in my monthly salary. I have not bought any business insurance for the son yet, always not steady and sure in the heart. But my budget in insurance expenditure is limited, so wonder which kinds of risks the child needs most at the present stage? How is it most efficient to make up?  
A: Chinese are exquisite "  Raise under having the filial piety "  ,Carry out a plan after the child-bearing policy especially, each family is only-children, this is " raised" It is taken good care of that more multifariously, would rather lack adults and does not dare few children's. Have pity on the love of parents all over the world, is fond of the child yes it is a human nature too that added, but different from saving the food of mouths to children, the insurance is buying for child the more, show that cares about the child; On the contrary, the target of the insurance should be the members bearing main financial responsibility in the family - -The adult, if parents have accidents, the family income is influenced, the child has not just depended on.  
According to the social security regulation of China now, the party that the general child followed of parents enjoys the medical social insurance of half. In addition, child most apt to happen contingency, come insurance to plan child according to two point these, it is dangerous with the casualty insurance to consider buying the hospitalization cost and replenishing insurance, subsidy in hospital for the child. Casualty insurance pays in generally one year and one, the premium is lower but the premium is relatively high, just the premium can't be returned in the future; Other two insurance kinds can be regarded as the accessory risk and bought the premium while buying the life insurance together relatively low. Such business insurance association, the premium expenditure is limited, it is most efficient to make up, accord with the child's insurance demand most