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Reprinted from alumni of the user at 04:15 on July 9th 2010 Read (loading. ..) Comments (0) Category: Personal Diary
one of the three aspects of financial management
1, save money: earn a lifetime spent two are poor. 10% a month forced out of 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 you fired, compensation for two months wages, and the second is to pay you a thousand dollars down to nine hundred yuan, you Which program can accept? 99% of the people can accept the second option. Then you force yourself to be a savings, money sent directly to the next 10% of the money in the bank, do not take that step, you will never have money.
2, with money: funds, stocks,
mbt shoes uk, bonds, real estate
3, retaining the money: a bolt, who do not know what will happen,
mbt anti shoes, 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, but there are wells of light is not enough to repair a dam for the reservoir - an accident, hospitalization, serious illness. Hit his car were ruined because of the example. Plane example: I sometimes need to take a month, ten times the aircraft, each aircraft taking off and landing when I will both hands clasped together, I do not believe anything, I just feel that their lives are their own master again, because do not know what will happen in heaven. So every time I fly a 88 yuan to buy 50 million of insurance accident insurance, this is for family love and responsibility, which 50 million enough for my wife and children lived for two years, she remarried two years.
one center and three basic points: the charge of money as the center, save money as a starting point, with money as the focus, 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 for the fund, save from 20 to 60 years old, is 637,800 yuan; 30 years old to 60 years deposit, is 22 million; 40-year-old with an initial deposit, 70000; 50, 2 million. Money begets money is long-distance running champion, financial management must proceed from the start young. Money mettle: you do not love me, I do not love you.
girls, must be self-sustaining, patron of the mountain down, run by everyone.
Third, how asset allocation: individual reservoir should be divided into three.
first: the emergency money, 6 months to a year of living expenses. Deposit banks, current, regular, or money market funds.
second: life insurance money, three to five years living expenses, time deposit, bonds, commercial pension insurance. Should be guaranteed not lose, only something more, no less.
third: spare cash, five to ten years do not have the money, this money can only buy stocks and funds, to do real estate, or with friends to open a partnership with any business, do this kind of investment, it must be the spare cash.
Stock: The stock market such as the tides, how to back up the how. Only when the tide goes out, we can see who is swimming ##########. Now the point is not recommended approach, not a good time to buy funds.
able to predict the point of only three kinds of people: one day before, two madmen, the three crooks.
ask yourself before you buy stocks in three sentences: First, I have a house and insured? Second, I have an urgent need of money? Third, I'm ready strong nerves and a good attitude it?
retired people should not be in stocks and they are unbearable financial and emotional ups and downs of the stock market. Filial child should not let your parents stocks.
you seen lining up to get rich? Investors into the market this year after three years 90% will become cannon fodder, only 10% of people make money from the stock market, which is the iron law of the spread of the cat pounced!
four, when to begin good financial management?
from the self-start. Senior students should begin working save rent. Adult parents for money again is a very shameful thing, the cat pounced will be despised.
Fifth, financial management habits
1, frugal: less hit a car, do a little beauty, to eat less of a dish, save money saved up to invest, so that money begets money. Money begets money, rich, poor, debt on debt. Save money, money is a lot of respect for the rich habits. Li Ka-shing frugal life is well known. Li Ka-shing day out from the hotel, when you dig car keys from his pocket and jumped a dollar coin fell to the ground, bent down to pick up Li Ka-shing, an Indian security picked up and handed him the money, he took the yuan, from the pocket pulled within one hundred Hong Kong dollars to the security and took the dollar also gave security. Others are puzzled and asked why did Li Ka-shing, he said, \fell into the ditch, it will be wasted, the money is used to spend, but not wasted. \Often without money, \
2, accounting: day accounting, not even once, then three days of record can ah. Some people spend in the cat pounced mp are accounting, actually do not mind the reality.
six, financial management errors
1, financial management is something the rich: the poor,
mbt shoes outlet, the wealthy can finance, develop good habits, to invest the money themselves to running a something.
2, busy, no time to reason: there is no time to finance the time playing mahjong? Chairman Mao is a daily accounting year, do not say you have no time, no matter how busy it is also busy President.
3, financial management is to buy stocks 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 savings investments, it should also fund doing?
4, less money, no fiscal effect: the secret financial management is the \
5, I do not understand financial management: you can not understand 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. Financial management is proactive and help your wealth safe and sound growth, to achieve life goals.
7, financial management to herd: Money can not follow the crowd, it must be personalized.
8, men and women are different financial management: financial management is all the same, women are more impulsive, women try to exercise restraint in the financial aspects of impulsive spending can be, If we do not impulse, no longer cute. Man \
seven, one of the five financial management:
1, a lifetime honor living within our means
boxing champion Mike Tyson boxing from the age of 20 to 40 years old earn nearly 4 billion U.S. dollars, but his excessive spending, the villa has more than 100 rooms, several sports cars, tigers as pets, the results to the end of 2004, When he still owes the bankrupt State Revenue $ 10,000,000. If you are not a silver spoon, after the age of 40 should enjoy the things a young man must pay, hard work, poor old thing is the most bitter.
2, do not dream of overnight riches
the sky is not pie in the sky what is? Rain, snow, dust storms, occasionally fall off a flower pot or something, there will be no pie fall, the Chinese have a saying \40% -50% a year chance to be trusted, to think about other people's motives, it sounds too good to things are often not true. Many people in the lottery jackpot after decades of poverty or because of to buy a big house,
skechers shoes, a car, drill out dozens of poor relatives. Mentally can not stand, like Fanjinzhongju, suddenly fainted. You have to make a MP HI Mop day by day in the punch,
mbt outlet!
when someone else looks like a good investment opportunity, ask yourself six questions (for example and Hotel): 1, who to sell me something, how the credibility of each other? 2 Gansha my money go? 3, I earned what money, profit model. 4, the yield reasonable? 1% -5% on lower earnings, 5% -8% moderate, 8% higher. 5, if I do not vote, and sell out? 6, if sold, can own it? If two or more six questions in doubt, do not quite credible.
3, do not get entangled in the debt life
slaves, slave cars, cards. Most of China's negative Weng 28-35 years old. For example,
mbt shoes clearance, in Hunan, 100 level of the house to buy 30 million, down 20% 6 million, deed, etc. 2 million, 8 million renovation, 20,000 household appliances, 20,000 interior valuables, not 20 million can not live inside. Monthly payments should be below 30% in revenue, 50% will be very uncomfortable. Good if you want to have the financial ability to buy a house, buy a house is a house slave effort.
car slave even worse, the car is sustainable consumption. Japan's millionaires every day by bus, carrying lunch boxes. Credit cards are financial opium.
check wallet audience: college students, the monthly consumption of 1800. Beijing 3000 Masters graduate salary, undergraduate 2000, young people do not hold nothing for the future of fantasy life.
little money from the beginning of life has changed, but also cards - the car - still room - saving - investment.
But you can never count
bank, out of financial interest to principal, not yet.
4, monogamy a child
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 fresh recruit, eat days, the lifetime investment you'll make a happy and live a happy life, not a gamble. Unfamiliar not do it, do not know do not vote, do not herd. Some money is not yours.
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