Money namely quite serviceable apt share reproduce

Hunan television the day before yesterday, Notes forward a bit then share with you.
Liu Yanbin: National Occupational Skill Testing Expert Committee, secretary common of the profession of financial blueprinting. Number of agencies was responsible for securities investment services, has held a digit of large undertaking groups and listed companies, financial guides. For finance and investment, has a heap of practical experience.
I. What is Money?
Money is in charge of money, Income such as a river, a reservoir of asset is that you spend money like water. Money is a good reservoir management, cut costs.
Second, the financial management of the three links
1, retention money: acquire a lifetime spent two are poor. 10% a month forced out of money in the bank, many human mention can not. So whether your corporation namely not good, CEOs to tear prices, give you two options, first is you launched, amends for 2 months wages, and the second is to disburse you a thousand dollars down to 9 hundred yuan, you Which agenda can adopt? 99% of the human can approve the second alternative. Then you force yourself to be a savings, money sent instantly to the afterward 10% of the money in the bank, do not take that tread, you will not have money.
2, with money: funds, stocks, bonds, real estate.
3, retaining the money: a bolt, who do not know what will occur, so give to buy their own insurance, insurance is an momentous means of finance, but not all. With money is like playing a well, for your steady stream of water into the reservoir, but there are wells of light is not enough to mend a dam reservoir --- for the event, hospitalization, solemn cancer. Hit his car were marred because of the example. Plane example: I periodically need to take ten times a month the aircraft, each aircraft catching off and landing when I will put their hands together, I do not deem anything, I equitable feel that their lives are their own main again, because Heaven does not know what will happen. So every time I fly a 88 yuan to buy 50 million of insurance accident insurance, this is for household adore and liability, which 50 million enough for my wife and children lived for two years, she remarried two years.
* one center and three elementary points: the dictate of money as the heart,Supra Trinity NS Shoes, save money as a starting point, with money as the converge, retaining the money for the conservation.
Third, 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 continue from the start young. Money mettle: you do not love me, I do not love you.
girls, have to be self-sustaining, contributor of the mountain down, flee along everyone. Is the only eternal fact above their own.
Fourth, how things allocation:
individual reservoir should be divided into three.
first: the crisis money, 6 months to a year of living expenses. Deposit banks, current, regular, or money market funds.
second: life assurance money, three to five years living expenses, period deposit, bonds, commercial pension insurance. Should be vouched not lose, only something more,Supra Skytop III Shoes, no less.
third: five to ten years do not have the money, this money can only buy stocks and funds, to do real possession, or with friends to be a associate with anybody business,Women's Supra TK Society, to do this investment, you must be surplus money.
* Stock: The stock market such as the tides, how to's on how to back up. Only when the tide goes out, we can see who is swimming nude. Now the point is not recommended approach, not a good time to buy asset.
proficient to portend the point of only three kinds of people: one day before, two madmen, the three crooks.
ask yourself ahead you buy stocks in three sentences: First, I have a house and insured? Second, I have an urgent absence of money? Third, I'm ready mighty nerves and a good attitude it?
elderly people should not be in stocks and they are unbearable financial and feelingful ups and downs of the stock market. Filial child should not let your parents stocks. Have you seen lining up to make a luck in it? Investors into the market this year after three years 90% will convert cannon hay, only 10% of people make money from the stock market, which is the steel law!
V. When did you start good financial management?
from the self-start. Senior students should start going save lease. Adult parents for money again is a very shameful thing.
six, financial management habits
1, frugal: less buffet a motorcar, do a tiny loveliness, to eat less of a tray, 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 understood. Li Ka-shing from the hotel an day, out of the car keys when you dig a dollar from his pocket and pop out the coin fell to the ground, bent down to elect up Li Ka-shing, an Indian security picked up and handed him the money, he took the yuan, from the pocket pulled within an hundred Hong Kong dollars to the security and took the dollar too gave security. Others are puzzled, inquired why Mr LI Ka-do, he said, If a dollar coin does not pick it up, may be trampled to the ground vehicle, you may fall into the ditch, it will be wasted, the money is used to spend, yet not waste. Often without money,
2, accounting: day accounting, not even once, then three days in idea can ah.
seven fiscal errors
1, financial management is a stuff
the wealthy the penniless, the wealthy can finance, amplify good habits, to provide, so of running their own money to someone.
2, busy, no time to activity mahjong time management
no time banking? Chairman Mao is a everyday 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 all the money used to purchase the insurance
that gambling is not a financial stock. Insurance companies say their productions not only protect but also can invest savings, then why ought fund companies?
4, fewer money, fiscal results
no hidden of financial management is the
6, financial management and financial management is rich
fortune does not matter. Financial management is proactive and aid your wealth secure and sound growth, to achieve life goals.
7, financial treatment to financial treatment can not follow the throng
herd, must be individualized.
8, men and women Money Money is not the same as
always the same, women are more impulsive, women try to training restraint in the financial aspects of impulsive costing can be, If we do not impulsive, not re cute. Man
eight, financial management one of the five:
1, adhere to living within our means
life boxing winner Mike Tyson boxing from the old of 20 to 40 years old earn almost 4 billion U.S. dollars, but money superfluous, the villa has more than 100 chambers, 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,Supra Shoes, after the age of 40 should enjoy the asset a young man must pay, hard work, poor old thing is the maximum bitter.
2, do not nightmare of overnight riches
the sky is not pie in the sky what is? Rain, snow, dust storms, sometimes fall off a flowerpot alternatively something, is not pie fall, the Chinese have a saying 40% -50% a year chance to be trusted, to calculate approximately additional people's motives, it sounds also good to things are constantly not true. Many people in the lottery jackpot after decades of penury alternatively because of to purchase a huge house, a car, drill out dozens of poor relatives. Mentally can not stand, like Fanjinzhongju, suddenly fainted. When people give you looks favor a good investment opportunity, ask yourself six questions (for instance and Hotel):
1, who is selling me something, the other How the credibility?
2, Gansha my money work?
3, what is the money I earned, profit prototype.
4, yield reasonable? 1% -5% on lower income, 5% -8% gentle, 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 very honest.
3, do not get twisted in life
debt slaves,Supra Muska Skytop Shoes, slave cars, cards. China's rich are mostly 28-35 years age. For sample, in Hunan, 100 level of the house to buy 30 million, down 20% 6 million, deed, etc. 2 million, 8 million upkeep, 20,000 household utensils, 20,000 internal valuables, not 20 million can not live inside. Repayment should be beneath 30% in revenue, 50% will be quite uneasy. Good if you absence to have the financial competence to buy a house, buy a house is a house slave. Car slave even worse, the car is sustainable expense. Japan's millionaires every day by bus, carrying lunch boxes. Credit cards are financial opium.
check purse audience: institute students, the every month consumption of 1800. Beijing 3000 Masters graduate salary, undergraduate 2000, juvenile people do not prop nought for the future of phantom life.
little money from the beginning of life has changed, but also cards - the car - still room - saving - investment. But you can never calculate bank, out of financial amuse to headmaster, even now.
4, monogamous wedding of a child is not the biggest financial
is the greatest debt. Do not divorce.
5,Supra Shoes UK, to concentrate on an investment
Chinese saying goes, phoned 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.
audience questions:
1, opening day of the current investors: not sure.
immediately into the stock mart does not advocate, no a good opportunity apt put the money inside the bank, namely accident apt referendum afresh.
2, prepared to have babies, Ms.:
kid to make financial preparations. Children will mushroom spending, revenue, use of reservoir reserves.
love is masterpiece, marriage is a technology, a divorce is the arithmetic.