When the student when, impoverished, money business is basically also 0, my understanding to conduct financial transactions basically also is the soft article of a few chicken broth that keeps in the transmission in QQ space just. Still remembered college time discovering on the net an introduction decides the post of conduct financial transactions that retain by the month to now, jing is day person, at the same time foolish every month gives 200 money to put from the dig or dig out with a finger or sth pointed in living cost a year fixed, still imagining at the same time hold to XX there has been big brushstroke money after year, when wanting to feel to become now oneself or very of bud of clumsy bud clumsy.
After the job, married, bought a house, there also was some of spare cash slowly in the hand, common anxiety sense and depressed and discontented feeling diffuse in us however on this batch of 85 the back of a person: Why is house price so high when I buy a house? The bovine city that why can you let me turn over didn't I catch up with however? Why be turn for us forever only perch receives Pan Xia and one ground chicken feather? Classmate lad is mutual the topic between also became from city of beautiful female classmate, underground and Trojan " money how ability not shrink " , "Investment dot what is good " .
Really, "You pay no attention to money money to pay no attention to you " this viewpoint is already thorough popular feeling, but if static next hearts will think a little, "You pay no attention to money money to pay no attention to you " this word just made clear " conduct financial transactions " it is merely " money " requirement, actually more actual result is instead " you managed money, money left you " , the truth forever so brutal. So, not easily the chicken broth flexible language that is gotten on by the net gives flicker, the ability that retains an independence to think is more important to conduct financial transactions.
Said above so much, those who consider expression is: We must establish a concept of correct conduct financial transactions before actuation conduct financial transactions, was on right way only, fortune snowball ability of the family rolls bigger more, act in a way that defeats one's purpose that is value destruction.
Refer invests conduct financial transactions, the target that believes everybody cannot leave 4 words " financial freedom " , this is a lot of office worker, a of labour firewood estate ultimate dream. Dan Xiyan says " Rome is not one day building " , our ancestor often also says, "One impediment does not become a fat person, one pace also horizon is not crossed " . About domestic manage money matters, I feel OK to execute " 3 paces go " the strategy: Guarantee financial security above all, solve financial problem next, realize financial freedom finally. Simple for namely, assure floor level above all, just raise upper limit next.
One
Everybody knows, asset gross and initiative capital, yield and investment time positive close, initiative capital is bigger, year change compound yield taller, the time of yield is longer, asset snowball just can roll bigger more. When just beginning to invest conduct financial transactions, yield and time us cannot the palm accuses, but initiative capital belongs to him completely however. It is so before snowball, ensure the capital of investment does not suffer lose, just be the first important or urgent business of domestic manage money matters. Resemble that cistern that often encounters in book of elementary school mathematics same, if give conduit water quantity to compare generous of water of wirereinforced suction hose all the time word, that cistern puts dissatisfaction forever.
About endangering the element of capital safety, look in me, basically be in two respects: It is our oneself on one hand, alleged " from commit a sin, cannot live " . The P2P of frequent recently Bao Lei, the folk of high interest rate is leasehold, even the stock hype of angle concept, it is the expression that capital commits suicide. This is survival deviation effect is mixed actually greedy the fluky psychology that bring about, to most person, they also know the high income measure that these disagreement often manage or way cannot last, but everybody is adopting fluky mentality, self-confidence won't make the last fool, affirmative before game ends can all over and retreat, but often disaster comes suddenly when you loosened a bit vigilance a little. I often advise in earnest the ground persuades the friend beside not to cast P2P, used, do not carry till money account book is good. As buying insurance, vow solemnly before be indifferent to, once beside have a what case, seek advice everywhere immediately.
2 be " something unexpected may happen any time, the person has unexpected good or bad fortune " , the risk that all sorts of expect are less than can bring a family big expenditure or cash flow a loss, use up a family to invest the capital of conduct financial transactions greatly. To this bit, basically rely on to be sure to transfer domestic risk namely, absolve trouble back at home. To average household, because the accident is great perhaps,become disease, cause domestic income to interrupt, free cash flows to decrease to fail even considerably, the medical treatment charge that and expend does not poor, when the asset that must sell off oneself, investment conduct financial transactions of the family also speaks of with respect to have no way. Especially property of major now average household precipitates in the house in this kind of fixed assets, change to not allow now easy, capital of domestic fluidity finance slants little, when once encounter urgent issue major issue,spending money, often appear be forced the behavior of low sale assets. This kind of family is so medium " black swan " it is us must consider before conduct financial transactions and it is certain to should be made beforehand case give answer.
Those who invest conduct financial transactions to want avoid above all is this kind of uncertainty, and safe product of this kind of banking just provided this kind of function. With a few money, perhaps sacrifice the yield of a few money, be dropped to rushing or transfer the risk with unpredictable much, increase whole family future a few years greatly the determinism of financial aspect, for us the initiative capital of domestic fortune adds a protection to overspread. Of course, if you are extortionary,say these ventures in me here happens impossibly, good, you are very lucky, but I dare be not betted.
So, look in me, insurance decided the floor level of fortune of a family. Ensuring kind of insurance is the indispensable one annulus in domestic economy system, also be the one link that wants a consideration above all. Had not boiled enoughly in your fortune snowball big when, without the safeguard of this one annulus, we are so called snowball nots like cc this like turning rock, return origin likely at any time.
2
That what ability raises the upper limit of domestic fortune? Fortune is a concept that compares empty, it always is shown through a few carrier come, it is the capital fund that we often say.
Asset form is diversiform, content is rich, it is in a divine Ba Fei's special key point, main component is asset 3 kinds:
The first kind is cash equivalent asset, include cash reserve in a bank (deposit) , monetary fund (everybody's hep remaining sum treasure is monetary fund) , bond (debt of national debt, look forward to) etc. But cling to the god thinks they are exterior safety however, in fact one of the riskiest asset. Because,the reason is legal money times, cash equivalent kind assets purchasing power decides can ceaseless shrink, as the addition of time, the problem that how much is shrink only;
The 2nd kind is nonproductive asset, include furniture of gold, antique, artwork, annatto, Pu'er tea, Maotai to wait. Itself of this kind of asset can not generate any profit, can receive Pan Xia to come through what appear ceaselessly only drive up price, drive the price rise. A bit more extreme view, to this kind of asset, more resembling is to wrapping around the Pang fraud of appearance of of all kinds, the capital that relies on a successor cashs to the participator in front profit, once follow-up capital decreases, asset value often suffer a disastrous decline. If place the hope of financial freedom in have offer a price taller receive Pan Xia to appear on this thing, often ourselves is that finally receive Pan Xia. A few stem from a hobby or disperses capital fund that the person that this kind of asset is already financial freedom commonly has are configured, is not for finance affairs free target goes investing it, did not take the branch for the root.
The 3rd kind is productivity asset, include equity of high grade company, house property, land to wait. Without doubt, investment has the capital fund of productivity, long-term earnings will surpass monetary capital fund and nonproductive capital fund easily. Need not the academic basis of what major, the data of full and accurate supports, with common sense we also can understand, so old come, there is no lack of beside a few through active or passive configuration house property makes domestic property ceaseless of appreciation, be similar to Liu Yuansheng of 10 thousand divisions to carry investment stock market, equity of high grade company achieves extended hold of financial freedom, have carry rent every year or the stock shared out bonus to go up too of free time, have what realize financial freedom through value investment, can hear rarely however who relies on corner gold, corner Maotai, vend antique to gain financial freedom. Some people are not believed, say you this is survival deviation, there can be a few Liu Yuansheng on the world, gong Hong fine, good, we can look below research of this paragraph of demonstration.
The United States what Jielimixigeer of business school professor writes Warton " the stock market grows line a magic weapon " have as follows in one book so one Zhang Jingdian's picture, 1802-2002 was listed in the graph year full 200 years, include American share, bond, gold, 5 kinds of asset such as the dollar inside yield, just 3 kinds of asset included. From inside the graph we can see, if the 1 dollar 1802 is the word that invests a stock, 760 thousand times increase after 200 years! Invest the word of bond, appreciation 1000 times the left and right sides, and if investing gold, only rise in value 2 times. Of course, do not have here, but without doubt, it is to run far those who win gold and bond. But show level, configuration house property or equity are after all in productivity asset, the problem that is opinions differ from each other then, to avoid saliva, also not be the discussion of the article.
1801 - American market is of all kinds 2001 asset yield
So, the investment, capital that deploys productivity, can bring the asset of accrual personally originally, just be the method that raises domestic fortune upper limit. I all the time the viewpoint is, we should be shame with the proletariat, want the label of pick off proletariat hard, make a propertied class. Like the landlord moneybags previously, family money business is much better, one have money to be configured (corner) asset (cropland) , when after certain amount, after the harvest that land brings deducts employ expense, provide one authority child more than sufficient of idle away in seeking pleasure, the finance affairs of appropriate appropriate is free. You think again, if primitive accumulation period, the moneybags people of collect is gold silver, of collect again more what is used, can gold give birth to a gold? The moneybags people can you sit every day eat and drink in the home enjoyment?
Control in the idea of conduct financial transactions of above below, show level program of my domestic manage money matters, basically be to adopt " 2+2 " politic:
Configure insurance to serve as reveal all the details above all, transfer major risk, the capital that makes sure occurrence accident circumstance does not employ a family to invest conduct financial transactions (but this realizes the kindling of financial freedom ah) , assure floor level;
Next, accumulate slowly, configure the productivity asset such as equity of a few preeminent companies to serve as fresh troops, the catalysis of compound interest effect of recumbent time, of ceaseless little roll snowball of big family fortune. (how to go seeking equity of high grade company, how can assure extended hold, not be in the discussion limits of the article) ;
The 3rd, to answer a family daily expenses, stay have the monetary fund that enough answers spending of a year of household in order to have untimely needs;
Finally, a few configuration He Guijin of gold of a few objective belongs to money, as avoid answer extreme circumstance nearly with.
My this individual as a child crisis consciousness is particularly strong, go up as the horse go straight towards a father of 3, anxiety sense and crisis feel all the time very heavy, all the time since the income of blame salary sex that thinking how to strengthen a family. Those who rejoice is, I think I was found and accepted this one correct family to invest idea of conduct financial transactions, it is ceaselessly all the time in practice. Current, the short-term target that make is after 6 years, the share out bonus of equity capital can cover a household daily expenses (35 years old) , metaphase target is after 10 years (40 years old ago) equity capital share out bonus can achieve 1-2 times wage income, to at that time, should OK saying is the problem of domestic finance affairs that solved much. Should have done oneself, remain give time.
