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陆女士37岁,在北京一家著名的外企工作,有着比较不错的收入,税后年收入20万元。陆女士刚结束了一段失败的婚姻,有一个7岁的女儿,属于典型的“单身妈妈”。家庭破碎后,陆女士时常处于一种焦虑的情绪中。由于工作需要,陆女士需要经常出差甚至出国,一旦离开北京,女儿就会处于无人照看的境地。所以,陆女士的父母不得已从外地来到北京,照顾外孙女的日常起居。即使这样,孩子依然需要母亲的照顾和陪伴,而陆女士又是一位有众多朋友、业余生活丰富的女性,为了在生活、工作和子女方面达到平衡,她感觉自己几乎筋疲力尽了。陆女士和父母、孩子一起居住在一套三房两厅117平方米的房子里。房子是她和前夫在4年前一起购买的,目前每月仍有3000元的商业贷款需要偿还,还需5年还清。另外,陆女士有一辆轿车,每年开支约1.5万元。女儿每月的开销如日常花费和学费约1500元,每月交给父母生活费和伙食费2000元,自己生活上的其他开销约2000元。另外,陆女士每年还会带孩子父母出去旅游一到两次,费用估算为2万元。除了工资收入,前夫每月会给陆女士2000元的子女抚养费。陆女士目前有5万元的1年期定期存款,并购买了10万元1年期记账式国债,算是较为保守的投资。另外,陆女士比较热衷股市投资,去年股票市值最高达到过50万元,但到目前缩水严重,市值约23万元。陆女士还在2007年购买了某外资银行10万元非保本QDII理财产品,目前也损失了一半,赎回净值不到5万元。除单位所上保险外,陆女士没有购买任何的商业保险。
Miss Lu, 37, a well-known foreign company in Beijing, has a relatively good income, after-tax annual income of 200,000 yuan. Miss Lu has just ended a failed marriage, with a 7-year-old daughter, a typical “single mom.” After the family was broken, Miss Lu was often in an anxious mood. Due to work needs, Miss Lu need to travel frequently or even go abroad, once left Beijing, the daughter will be in a unattended situation. Therefore, Miss Lu’s parents had no choice but to come to Beijing from the field to take care of their granddaughter’s daily living. Even so, the child still needs the care and companionship of her mother, who is also a woman with many friends and an amateur life who feels almost exhausted in order to strike a balance between life, work and children. Ms. Lu and her parents and children live in a three-bedroom, two-bedroom 117-square-meter house. The house was bought between her and her ex-husband four years ago. At present, there are still 3,000 yuan of commercial loans that need to be repaid every month, and they still have to pay off five years. In addition, Ms. Lu has a car, the annual expenditure of about 15,000 yuan. Daughter’s monthly expenses such as daily expenses and tuition fees of about 1,500 yuan a month to parents living expenses and food costs 2,000 yuan, other expenses on their lives about 2,000 yuan. In addition, Miss Lu will also take her parents out to travel once or twice a year, costing 20,000 yuan. In addition to salary income, her ex-husband will give Ms. Lu 2,000 yuan a month child support. Miss Lu currently has a one-year time deposit of 50,000 yuan and has purchased a one-year treasury bill of 100,000 yuan for a relatively conservative investment. In addition, Miss Lu relatively keen on the stock market investment, the stock market last year, the highest market value reached 500,000 yuan, but so far shrunk, the market value of about 230,000 yuan. Miss Lu also bought a foreign bank in 2007 100,000 yuan non-guaranteed QDII wealth management products, but also lost half of the net redemption of less than 50,000 yuan. In addition to insurance units, Ms. Lu did not buy any commercial insurance.