one of the three financial sectors
1, save money: earn a lifetime spent two are poor. 10% a month forced out money in the bank, many people say can not. So if your company is not good, CEOs to cut costs, give you two options, first is your dismissal, compensation for two months wages, and the second is to pay your $ 1,000 down to $ 900 you Which program can accept? 99% of people can accept the second option. Then you give yourself to be a mandatory savings, the money sent directly to the lower 10% of the money in the bank, do not take that step, you will never be money.
2, with money: funds, stocks, bonds, real estate
3, retaining the money: a bolt, who would not know anything about, so give to buy their own insurance, Insurance is an important means of finance, but not all. With money is like playing a well, for your steady flow of water into the reservoir, wells, but there is not enough light to repair a dam for the reservoir - an accident, hospitalization, serious illness. Because people ruin the example crashed. Plane example: I sometimes need to take a month of ten aircraft, each aircraft taking off and landing when I would put their hands together, I do not believe anything, I just feel that their life again by his master, because Heaven does not know what will happen. So every time I buy plane 88 YuanBao 500,000 accident insurance, which is to love and family responsibilities, 500,000 enough for my wife and children lived for two years, two years, she can remarry.
a center, three basic points: the center of money, save money as a starting point, with money, focus on retaining the money for the protection.
Second, how much money you can start banking?
do not care how much a month to save 100 yuan to buy funds, kept from the age of 20 to 60 years, is 637,800 yuan; save 30 to 60 years old, is 22 million; 40-year-old from the deposit, 70,000; 50 years old, 20,000. Money begets money is long-distance running champion, financial management must start from a young age. Money mettle: you do not love me, I do not love you.
girls, we must stand, backing down mountains, run by everyone.
Third, how asset allocation: individual reservoir should be divided into three.
first: the emergency money, six months to a year of living expenses. Bank deposit, deposit, term, or money market funds.
second: life insurance money, three to five years living expenses, fixed deposits, bonds, commercial pension insurance. Paul should not lose the only thing more, no less.
third: spare cash, five to ten years without the money, this money can only buy stocks and funds, to do real estate, or together with friends to open, what kind of business partner, to do this kinds of investments, must be the spare cash.
stock: The stock market tide, how to back up the how. Only when the tide goes out, we can see who is swimming naked. Now the point is not recommended approach, not a good time to buy funds.
able to predict the point of only three people: one day before, two crazy, three crooks.
ask yourself before you buy stocks three sentences: First, I have a house and the insurance it? Second, I have urgently for money? Third, I am ready to nerves and a good attitude it?
retired elderly should not be in stocks and they are unbearable in the financial and spiritual ups and downs of the stock market. Filial child should not let your parents stocks.
you seen lining up to make a fortune in it? Investors into the market this year, after three years 90% will become cannon fodder, only 10% of people make money from the stock market,ray ban eyeglasses, which is the iron rule of the spread of the cat pounced!
four, when to start good financial management?
from the self-start. Senior students should begin working save rent. Adults back to their parents for money is a very shameful thing, the cat pounced will be despised.
five financial habits
1, frugal: a few dozen cars, do a little beauty, a dish to eat less, the accumulation of money saved up to invest, make money with money . Money begets money, rich, poor, debt on debt. Save money, money is a lot of respect for the rich habits. Li Ka-shing life of frugality is well known. One day out of the hotel from the Li Ka-shing, dig car keys from his pocket and pop out a dollar coin fell to the ground, Li Ka-shing bending to pick up, pick up an Indian security money and handed him, and he took the dollar from the pocket out within one hundred Hong Kong dollars to the security and took the dollar also gave security. Others are puzzled, asked why did Mr. Li, he said, fell into the ditch, it will be wasted, the money is used to spend, but not waste. Without money often
2, accounting: day account, not once remember the words of three days can ah. Some people spend in the cat pounced mp are accounted for, the reality actually do not mind.
six, financial management errors
1, financial management is something the rich: the poor, the rich can finance, develop good habits, to invest the money themselves to follow the above these things.
2, busy, no time to reason: there is no time to play mahjong time financial management? Chairman Mao is a daily account, do not say you do not have time, no matter how busy busy Chairman of it.
3, financial stocks is to buy insurance: All the money used to purchase stock that is not a financial gamble. Insurance companies say their products can not only protect but also to invest in savings, it also funds the company doing?
4, less money, no fiscal effect: the secret financial management is the science, financial management is not hard, not too late to start learning at any time.
6, financial management is rich: wealth management and wealth does not matter. Money is a rainy day, to help your wealth safe, healthy growth, to achieve life goals.
7, financial management to herd: Money can not follow the crowd, it must be personalized.
8, not the same as men and women Money: Money is all the same, more impulsive woman, woman to exercise maximum restraint in the financial management of some impulse spending on it, if not completely impulsive, no longer cute . Men
seven, financial management one of the five:
1, adhere to living within our means
life boxing champion Mike Tyson boxing from the age of 20 to 40 years old earn nearly $ 400 million But he spend excessive, more than 100 villa rooms, dozens of sports cars, old-age tiger as a pet, the results of the end of 2004, he was bankrupt when it owes the State Administration of Taxation $ 10 million. If you are not a silver spoon born, after the age of 40 should enjoy the things a young man must pay, hard work, old age poverty is the most bitter thing.
2, do not dream of overnight riches
not pie in heaven, what in heaven? Rain, snow, dust storms, occasionally falling to a flower pot or something, there will be no pie fall, the Chinese have a saying Year 40% -50% chance of not credible to think about other people's motives, it sounds too good to what is often not true. Many people in the lottery jackpot after decades of poverty or because of to buy a big house, car, drill out dozens of poor relatives. Spirit can not stand,radii straight jacket uk, like Fanjinzhongju, all of a sudden dedication in the past. You have to make a MP HI Mop day by day in the punch!
when someone else looks like a good investment opportunity, ask yourself six questions (for example Property Hotel): 1, who is selling me something, how the other's credibility? 2, Gansha my money go? 3, I earned what money, profit model. 4, yield reasonable? 1% -5% in low income, 5% -8% moderate, 8% higher. 5, if I do not vote, and sell out? 6, if not sell, you can own it? If two or more six issues in doubt, do not quite credible.
3, do not let life
wrapped debt slaves, slave cars, cards. Most of China's negative Weng 28-35 years old. For example, in Hunan, flat house buy 100, 300,000, down 20% of the 60,000, deed, etc. 2 million, 8 million renovation, 20,000 household appliances, interior valuables 20,000, 200,000 can not live without into. Monthly payments should be income below 30%, 50% will be very uncomfortable. Do you want to have good financial capability to buy a house again, efforts to buy a house is the house slaves.
car slave even more, the car is sustainable consumption. Japan's rich, carrying lunch boxes every day by bus. Credit cards are financial opium.
check wallet audience: college students, the monthly consumption of 1800. Beijing Master's degree salary 3000, undergraduate 2000, young people do not hold nothing for the future life of fantasy.
change their lives from the beginning has a little money, but also cards - the car - still room - save money - investment. But you never count
bank, get rid of Finance to repay principal and not the interest.
4,paul smith fashion, a child
monogamous marriage is not the biggest debt is the greatest wealth. Do not get married and so easy to divorce.
5, to concentrate on an investment
Chinese saying goes, is called a move fresh, eat days, make an investment in life you will live a happy and a happy life, not to gambling. Unfamiliar not do it, do not understand you do not vote, do not herd. Some money is not yours.
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