2010年的理财计划建议

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.
有关如何为退休和孩子上大学攒钱有很多的建议。但说的较少的是应该建立哪种应急基金。

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.
应急基金的钱可以来自你的攒钱计划。它应该相当于约六个月的收入。这是个人保险的一种形式，在眼下这种迅速变化的时代非常重要。

This fund should be kept in safe and easy-to-tap assets. Laddering certificates of deposit out six months is one way.
这笔钱应该放在安全且容易变现的资产中。存入六个月的阶梯式定期存款是一种方法。

That means buying CDs of one month, two months, etc. to six months. As each CD matures you buy another six-month CD to keep the ladder in place.
也就是说存入一个月、两个月……直到六个月的定期存款。每笔定期存款到期的时候，你就再买一笔六个月的定期存款，以便保持阶梯式存款的延续。