One, conduct financial transactions
Is assorted Zuo conduct financial transactions? Conduct financial transactions manages fund namely, "You pay no attention to money, money pays no attention to your " . Income resembles a river, fortune is your reservoir, beautiful money is like running water. Conduct financial transactions is in charge of good reservoir namely,
2, 3 link of conduct financial transactions
1, assemble money: Earn to spend two, it is a poor all one's life. A month takes out the money of 10% compulsively in existence bank or insurance company, a lot of people say to be not done. That Zuo if your company is managed bad, the manager should reduce expenditure, give you two options, the first it is your discharge, compensate two monthly wages, the 2nd be fall your 1000 yuan salary 900 yuan, which plan can you accept? The person of 99% can accept the 2nd plan. So you make a compulsive deposit to oneself, bank or insurance company stock the money of 10% directly after the money below hair, do not step this one pace, you do not have rich flower forever.
2, unripe money: Fund, stock, bond, praedial
3, protect money: Something unexpected may happen any time, does not know to be able to give what job, want to buy insurance to oneself so, insurance is the important step of conduct financial transactions, but not be all. Unripe money resembles digging a well, for the fountainhead with your reservoir infuse constant in a steady stream, but light has dozen of well insufficient still, want to repair an accident of – of dikes and dams, be in hospital, a serious illness for reservoir. Because drive,bump into the example that the person loses a family fortune. By air example: If a month needs to sit 10 times sometimes plane, when the plane takes off and descending every time, some people are met both hands put the palms together, not be to believe what thing, it is he feels his life was mastered by oneself afresh again only, because be in,the sky does not know what to can produce. So the proposal is bought to oneself by air every time protect 500 thousand - the accident danger of 2 million, this is the love that gives family and responsibility, this 500 thousand - 2 million enough family and child live for some time.
A center, 3 main point: It is a center in order to manage fund, assemble money is start, unripe money attachs most importance to a dot, protect Qianwei to ensure.
3, how many money can begin run?
How much to care about, below province of a month 100 yuan buy fund, put from 20 years old, it is 637800 yuan; 30 years old are put, be 220 thousand; Put since 40 years old, 70 thousand; 50 years old, 20 thousand. Fund unripe fund is long-distance running champion, conduct financial transactions must from young when begin. The nature of money: You do not love me, I do not love you.
Girl, must free-standing, backer hill falls, rely on everybody to run.
4, how to undertake asset configures:
The individual's reservoir should be divided into triplet.
The first: Jury money, the living cost that 6 months reach one year. Put a bank, current, fixed, or monetary market fund.
The 2nd: Keep the money of the life, 3 to 5 years of living cost, put surely, endowment insurance of national debt, business. Should be to protect this not compensate, meet only many won't little thing.
triplet: Spare cash, arrive 5 years 10 years unused money, only this kind of Qian Cai can buy a share, buy fund, do estate, perhaps open an assorted Zuo trade together with friend partnership, go making this kind of investment, that Zuo must be spare cash. * stock: The stock market is like tidewater, how Zuo goes up how Zuo is retreated. When having tidewater retire only, we just can see who is naked swim. Present dot do not suggest to enter the arena, buying fund is not good period of time.
Can forecast a drop have 3 kinds of people only: One talent, 2 bedlamite, 3 cheater.
Oneself ask 3 words first before buying a share: The first, did I have house and insurance? The 2nd, do I have the money of urgent need? The 3rd, do I prepare firm nerve and good state of mind?
Emeritus old person should be not fried, they bear hard on finance affairs and spirit of the stock market go up drop. The parents that filial child should not let you is fried.
Had you seen the platoon wears what the team gets rich? Take the shareholder of the market this year, the 90% metropolises after 3 years become cannon fodder, the person that has 10% only can from money of the gain in the stock market, this is iron rule!
5, clever conduct financial transactions 5 old law
Money of this a few consecution is mensurable you might as well look:
4321 law: Domestic property is reasonable configuration scale is domestic income 40% use at investing for room etc respect, 30% use at domesticity expenditure, 20% use at bank deposit with equipment lash-up need, 10% use at insurance.
72 law: Not recapture interest interest rolls interest bank savings, the time that capital appreciation needs one times times is equal to 72 except with year yield. For instance, if be in a bank to put 100 thousand yuan, annual interest rate is 2% , every annual interest rolls profit, how many years can you change 200 thousand yuan? The answer is 36 years.
80 law: The stock occupies what the reasonable proportion of total assets is equal to 80 subtractive ages to get number to put on a 100 semicolon (%) . For instance, the stock when 30 years old can occupy total assets 50% , occupy when 50 years old 30% advisable.
The family is sure pair of 10 law: The appropriate specified number of domestic insurance set is spent should be a family year 10 times of income, the appropriate proportion of insurance cost defray should be a family year 10% of income.
The room borrows 31 law: Every months of room lends amount with exceeding a family that month gross income 1/3 advisable.
6, walk out of errors of these conduct financial transactions
Error one, conduct financial transactions is the thing of wealthy person. Wrong.
Labour firewood family needs economy more, compare with wealthy person photograph, they are faced with bigger education, provide for the aged, medical treatment, buy the real pressure such as the room, need conduct financial transactions to increase wealth more.
Error 2, had conduct financial transactions to need not be sure. Wrong.
Safe main function is safeguard, to the family, doing not have safe conduct financial transactions to plan is without this wood.
Error 3, investment is operated " short, smooth, fast " . Wrong.
It is certain to do not feel short to the line is operated often earn money much.
Error 4, follow suit blindly, impulse is bought. Wrong.
In the most popular when enter, often be the investment of maximum price, want rational investment, think independently, goods compares 3.
Error 5, excessive concentration invests and excessive and dispersive investment. Wrong.
Former cannot disperse risk, latter makes investment tracks difficulty, cannot improve investment efficiency.
Error 6, dare be defeated to dare not win. Go up to sell, drop not to sell more more. Wrong.
Be used at conduct financial transactions can invest breed to basically include two kinds, finance kind investment breed basically has: Deposit, negotiable securities, fund, safe, futures, gold, fiducial. Blame finance kind investment breed basically has: Estate, industrial investment, auction, hock, collect etc.
7, point of different level conduct financial transactions
The expert is life cent conduct financial transactions 5 phase:
Lone period 2, 5 years, have a job to marry, income is inferior cost is big, the key of conduct financial transactions of this period is absent gain profit and accumulating experience. Proposal of conduct financial transactions: 60% risks are big, long-term the financial breed such as the stock with more expensive redound, stock fund or foreign currency, futures, the safer investment tool such as 30% fixed deposit, bond or bond fund, 10% current deposit in order to have untimely needs.
Somebody asks: Has time of Zuo of assorted of conduct financial transactions begun? The expert says: From begin independently. Big the student of 4 should begin to work assemble chummage. Adult wants money to parents again is very the thing that lose face.
The family is formed period 1, 5 years, knot legitimate child, economic income increases life stability, reasonable arrangement family builds the focal point defray. Proposal of conduct financial transactions: 50% stocks or grow model fund, 35% bond, safe, 15% current deposit, safe and optional capture expends little fixed risk, accident danger, healthy danger;
Children is taught period 20 years, child education, maintenance jumps. Proposal of conduct financial transactions: 40% stocks or grow model fund, but want more avoid venture, 40% deposit or national debt are used at teaching charge, 10% insurance, 10% families are urgent a shot in the locker;
Domestic autumn 15 years, filial job retires to oneself, fastigium of life, income, suit to accumulate, the key can enlarge investment. Proposal of conduct financial transactions: 50% stocks or stock kind fund, 40% fixed deposit, bond reachs insurance, 10% families are urgent a shot in the locker. Be close to the scale that when retiring, is used at venture capital investment to should decrease, risk of provide for the aged of insurance lay particular stress on, healthy, major disease, the provide for the aged with appropriate formulate plans;
Emeritus period investment and spending are more conservative, principle of conduct financial transactions is healthy the first, fortune the 2nd, main with dovish, safety, protect a value to be a purpose. Proposal of conduct financial transactions: 10% stocks or stock kind fund, 50% fixed deposit, bond, 40% current deposit, property is more person can avoid duty reachs asset move legally next generation.
8, the habit of conduct financial transactions
1, economical: Make a car less, do hairdressing less, have a meal to choose a course less, the money scrape up that the province comes down rises go investing, let money lay money.
Wealthy person money lays money, poor debt raises debt. Economic fund, esteem money is the habit of a lot of wealthy people. What Li Jiacheng lives is known to all sparely. One day Mr Li Jiacheng comes out from the hotel, an a yuan coin skips to drop the ground from bag when the key that draw out a car, li Jiacheng bows go collecting, an India security personnel comes to money pick up to hand he, he has received this yuan of fund, from 100 yuan of Hongkong dollar were drawn out to give security personnel inside bag, also give security personnel this yuan of money again. Others very indissoluble, ask Li Jiacheng the gentleman why this Zuo is done, he says " these 100 yuan of HK dollar are he gives me the service, the pay that I give. If a yuan coin is not collected,rise, may be ground by the car in the ground, may drop channel in, can waste, fund uses a flower, but not OK and wasteful. "We often say wealthy person has money to jump over dig or dig out with a finger or sth pointed more, because they know Qian Laizhi is not easy. And the person that does not have money often " end experting " .
2, charge to an account: Everyday chalk it up, it is OK also if be no good that 3 days are written down.
9, the error of conduct financial transactions
1, the thing that conduct financial transactions is wealthy person: Poor, wealthy person can conduct financial transactions, the convention with good nurturance, go investing, let him money do some of thing.
2, busy, manage without time: Time hits mahjong to do not have time conduct financial transactions? In those days Chairman Mao everyday chalk it up, do not say you do not have time, again busy busy also do not cross a chairman.
3, conduct financial transactions buys a stock to buy insurance namely: All money go off with buys a share is gamble then not be conduct financial transactions. The product that insurance company says him has safeguard already can deposit can invest again, that even does fund company do what?
4, money is little, conduct financial transactions does not have assorted Zuo effect: The secret of conduct financial transactions is " cherishs money, save money, money lays money, unremitting. Unremitting..
5, I do not know economy: Do not understand can learn, economy is not difficult, any moment begin to learn not late.
6, conduct financial transactions gets rich namely: Conduct financial transactions and get rich did not concern. Conduct financial transactions is against a rainy day, help your fortune safety, steady growth, achieve life goal.
7, conduct financial transactions wants from numerous: Conduct financial transactions cannot follow the general trend, be individuation certainly.
8, man and feminine conduct financial transactions are different: Conduct financial transactions is everybody is same, the woman is easier and excited, it is OK that the woman restrains a few impulses to consume as far as possible in respect of conduct financial transactions, if complete not actuation, no longer lovely. Man " analyses " , feminine " feels " .
10, 5 of conduct financial transactions one project:
1, scrupulously abide by keep expenditures within the limits of income all one's life
Boxing Wang Taisen begins shadow boxing from 20 years old, near 400 million dollar was earned when arriving 40 years old, but his flower money is excessive, villa has 100 many rooms, a few racing bike, tiger of provide for the aged is become pet, the result arrives by 2004, national revenue still was owed when he goes bankrupt 10 million dollar. If you are not to containing golden key to be born, enjoying should be 40 years old of the following things, young when must pay, go all out in work, often coming just is the bitterest issue thoroughly.
2, do not dream one night is cruel rich
The sky does not have pasty, does the sky have assorted Zuo ? Rain, snow, sand and dust is cruel, can fall down now and then of Zuo of assorted of a flowerpot, scarcely can have pasty to fall down, china has a money of common saying " not to enter urgent door " . The opportunity of a year of 40%-50% is suspect, want to think the motive of others, the thing that sounds too perfect often is not true. A lot of medium the person of lottery head award still is impoverished after 10 years, because buy big house, buy a car, get out a few poor relation. Also be overcome on spirit, in resembling Fan Jin, lift, his or her at a draught in the past.
When others looks like very good investment opportunity to you, ask oneself 6 questions (hotel of citing property right) : 1, who is selling me the thing, the credit of the other side how? 2, did what go to my Qian Gan? 3, what I earn is assorted Zuo money, profit pattern. 4, is yield reasonable? Year accrual 1%-5% is low, 5 %-8% is medium, 8% above tall.5, if I was not cast, sell go out? 6, if sell,do not go out, can for private use? If 6 problems have two above to have doubt, not quite authentic.
3, do not let debt entwine lifetime
Slave of Fang Nu, car, card slave. Negative old man of China mostly 28-35 year old. Buy 100 smooth houses in Hunan for example, 300 thousand, head pay 20%6 10 thousand, 20 thousand agree duty, 80 thousand decorate, 20 thousand home appliance, 20 thousand interior trim is delicate, go without the 200 thousand occupy that do not have a law. Lunar reimbursement should be in of income 30% the following, 50% meetings are very afflictive. Had thought whether you have financial ability to buy a house again, exert is worn buying a house is Fang Nu. Car slave more very, the car is to be consumed continuously. Japanese moneybags is carrying messtin to sit everyday public transportation.
Check the purse of the audience: Undergraduate, the month is consumed 1800. Monthly pay of Beijing Master graduation 8000, undergraduate course 6000, the youth does not want to be born to holding windy illusion in the arms alive to future. Change life should begin to return from Xiaoqian, the – that return check returns car – to return investment of – of money of room – assemble. You had not calculated a bank forever, cast off finance affairs to want repayment of capital and not be to still cease.
4, one husband one wife a child
Marrying is not the biggest money it is the oldest debt. Do not divorce easily.
5, absorption an investment
China has an adage to call one action delicacy, take a day, had done to invest you to be able to go up too all one's life perfect the life with happiness, not be to bet. Not ripe do not do, do not understand to be not cast, not from numerous. Some money are not you.
1, the new shareholder that opens an account 3 days: The bottom is done not have in the heart.
Do not advocate enter the stock market now, put money without good chance bank, waited for an opportunity to be cast again.
2, the lady that prepares unripe child:
Unripe child should make very financial preparation. Unripe child can make pay increase, income decreases, employ the reserve of reservoir.
