
一 | “财务自由”这个词汇大家看多了,但它到底意味着什么?对处于不同人生阶段的人来说,财务自由可能有不同的意义。根据金融服务公司Singlife今天(8月26日)发布的《财务自由指数》调查结果,受访的3000名18岁至65岁新加坡人给“财务自由”下了这样的定义:能够无忧无虑地过着理想的生活、有稳定的工作、没有债务负担、可以随心所欲地消费。在这3000人当中,44%认为自己永远无法实现财务自由;29%认为有办法实现;27%认为已经实现。 
Provinces including Zhejiang, Fujian, and Guangdong have activated emergency responses and taken preventive measures as Typhoon Dolphin, the 13th typhoon of the year, approaches, potentially bringing strong winds and heavy rain. Dolphin is about to enter the 48-hour warning zone of China and is expected to make landfall along the coastal areas between Zhejiang Province to northern Fujian Province as a typhoon or severe typhoon between Sunday afternoon and Monday Morning, China Central Television (CCTV) reported on Thursday.
Typhoon activity has intensified recently, with Typhoon Dolphin (No.13 of the year), Typhoon Kujira (No.14), and Typhoon Chan-hom (No.15) forming one after another. Kujira has weakened after making landfall in the Philippines, while Chan-hom is unlikely to affect China. Dolphin maintains strong typhoon intensity despite traveling a long journey, and is expected to approach the coast of East China, bringing strong winds and heavy rain, CCTV reported.
According to Dong Lin, chief forecaster at the National Meteorological Center (NMC), the key characteristics of Typhoon Dolphin are that it formed over distant open waters, has a long lifespan, features a large circulation system, and experiences frequent fluctuations in intensity.
According to Dong, Typhoon Dolphin formed near the International Date Line, something that has never happened since meteorological records began. Then it moved toward China, and is expected to make landfall at an intensity above the tropical storm level. This makes Typhoon Dolphin an exceptionally rare system.
Typhoon Dolphin was located 1,130 kilometers east of East China’s Zhejiang coasts as of 5 pm on Thursday. Large to very large waves are expected in Zhejiang’s coastal waters, and an orange alert for waves is maintained by the National Marine Environmental Forecasting Center, according to China’s Ministry of Natural Resources.
Affected by Typhoon Dolphin, rainfall is expected to begin this weekend. The National Meteorological Center has forecast heavy to torrential rains in parts of central and eastern China from Saturday to Wednesday, followed by further downpours in North China, Inner Mongolia, and southern Northeast China from Wednesday to Friday as the typhoon’s remnants interact with cold air.
China's National Flood Control and Drought Relief Headquarters and the Ministry of Emergency Management activated a Level IV emergency response for Zhejiang and Fujian provinces on Thursday as Typhoon Dolphin was forecast to bring strong winds and heavy rain to East China, according to CCTV.
Affected by Typhoon Dolphin, the Zhejiang Provincial flood control and typhoon prevention headquarters decided to adjust the maritime typhoon emergency response to Level IV at 2 pm on Thursday. Due to strong winds over the sea, 21 water passenger transport routes in Zhoushan, Zhejiang Province, had been suspended as of 3 pm on Thursday, CCTV reported.
Ningbo in Zhejiang had temporarily shut down all coastal attractions and high-risk marine tourism activities by 6 pm on Thursday due to Typhoon Dolphin.
Besides, Fujian activated a Level IV typhoon emergency response at 2 pm on Thursday as Typhoon Dolphin is forecast to enter Fujian’s tropical cyclone warning area on Friday and move closer to the East China coast, CCTV reported.
Fujian has ordered stronger safety management for offshore vessels, marine facilities, and ferry services as Typhoon Dolphin approaches. Coastal areas will reinforce shelter management and prevent people from returning to risky areas, while authorities prepare for heavy rain and wind on land, according to CCTV.
Guangdong Maritime Safety Administration activated a Level IV tropical cyclone response on Wednesday and imposed traffic controls from 6 pm on Thursday on vessels traveling northward through the southern entrance of the Taiwan Straits, CCTV reported.
Global Times
。蚁粉觉得自己属于哪一类呢?实现财务自由,犹如走向光明?(联合早报)抚养孩子从出生到21岁 需要至少50万新元?要达到财务自由,储蓄是一大关键。受访新加坡人认为,要在新加坡实现这个目标,需要有至少61万2000新元的存款。

二 | 若以新加坡人的每月存款中位数1682新元来计算,要存够61万元,需要30年的时间!当然,每月存得越多,就能越快实现财务自由。但对为人父母者来说,这个过程要快也快不来。44%的受访新加坡人觉得,生了孩子之后,距离财务自由的目标会比一般人延迟15年,因为要在新加坡抚养一个孩子从出生到21岁,需要至少50万新元!(所以,少生两个孩子,就能成为百万富翁?难怪有那么多夫妇选择不生……)在新加坡养孩子很贵的。

三 | (海峡时报)Singlife研究团队在文告中指出,今年的调查结果显示,新加坡人感到实现财务自由的难度比去年更高,主要是受通货膨胀和医疗保健费用等财务压力影响。“觉得自己永远无法实现财务自由的人,则是因为收入不够、工作不稳定,以及一些不可预见的健康或家庭问题。”为了省钱节衣缩食 不办婚礼不外出用餐有趣的是,每五个受访新加坡人当中,就有四个计划在65岁之前退休。这比新加坡的法定退休年龄63岁还要高出两岁。

四 | 难道新加坡人不再向往提早退休了吗?红蚂蚁之前介绍,出生于1997年至2012年(现年12岁至27岁)的Z世代中,有不少人崇尚“FIRE”(Financial Independence Retire Early,即财务独立、提早退休)的理财方式。但这项源自美国的理财方式近年来也引起不小的争议,因为它的一个核心法则是:降低物欲、减少开支、过着极简生活;将超过一半的薪水用来投资,迅速攒够一年生活费的25倍,就可以退休了。

五 | 为什么是25倍呢?发明这项理财方式的美国金融作家多明格斯(Joe Dominguez)解释,乘以25倍相等于除以4%,而4%指的是存款的投资回报。

六 | 如果以每年4%的回报率进行投资,每年就能提取4%的存款来支付生活开销。

七 | 有了这笔稳定的被动收入,就可提早退休。听起来确实很诱人,但多明格斯提醒,FIRE理财方式不一定适合所有人,人们还是必须考虑自身的收入情况和需要。如果为了达到目标而做出太多牺牲,也可能得不偿失。

八 | 投资也要先看回报率。(ALAMY)美国一项调查发现,二三十岁的年轻人为了提早在40岁退休,宁可五年不外出用餐,甚至连结婚也不举办婚礼,只顾着拼命挣钱和省吃俭用。

九 | 多明格斯就曾警告:“要比65岁退休的人有更多储蓄,你可能要在年轻时放弃享受一些美好事物或宝贵经验。一些人可能觉得这是过于极端和不平衡的财务规划方式。

十 | ”先苦后甜 却没有想象的甜年轻打工族常幻想,有天退休后就什么都不用做,但那也纯粹是幻想,因为人是闲不下来的。长久以来用工作填满生活的“社畜”,有了喘息空间后,反而会不知所措。坐在咖啡店看报纸,是你向往的退休生活吗?(海峡时报)原本从事金融业的道根(Sam Dogen)在34岁那年存够了300万美元(约390万新元),毅然决定与妻子一起退休。如今的他46岁了,却对退休生活感到茫然若失,决定重返职场。他接受美国《财富》杂志访问时坦言,每天玩匹克球的生活固然惬意,但他“对无止尽的悠闲感到疲劳和沮丧”。“我回去工作不是因为需要钱,而是需要有事情可以负责,这样的人生才有目标。

十一 | ”“我曾经通过追求财务自由来定义自己,可是当我达成这个目标后,就好像不必再做这件事了,那我接下来应该做什么?”34岁就存够300万美元?请教教红蚂蚁几招!(美国财富杂志)说的也是,财务自由不一定要跟提早退休划上等号。实现了财务自由,还是可以继续从事自己热爱的工作。读到这里,蚁粉或许会觉得,财务自由似乎离自己很遥远。红蚂蚁倒认为,关键在于赚钱或花钱都要有意识,不要只是埋头蛮干却在原地打转。只要做出对的决定,相信人人都能实现财务自由。红蚂蚁祝大家早日达成目标!。
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