Money namely quite serviceable apt share reproduce

Hunan television the day ahead yesterday, Notes along a morsel then share with you.
Liu Yanbin: National Occupational Skill Testing Expert Committee, secretary common of the calling of financial planning. Number of agencies was responsible for securities investment services, has held a number of great undertaking groups and listed companies, financial advisers. For finance and investment, has a wealth of practical experience.
I. What is Money?
Money is in dictate of money, Income such as a river, a reservoir of wealth is that you spend money like water. Money is a good reservoir management, tear costs.
Second,Supra Trainers, the financial management of the three links
1,Supra Skylow Shoes, 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 enterprise is not good, CEOs to cut costs, give you two options, 1st is you fired, amends for two months wages, and the second is to pay you a thousand dollars down to 9 hundred yuan, you Which procedure can approve? 99% of the people can accept the second adoption. Then you compel yourself to be a savings,Women's Supra Skytop II, money sent directly to the afterward 10% of the money in the bank, do not take that tread, you will never 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 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 mend a dam reservoir --- for the accident, hospitalization,Supra Skytop III Shoes, serious cancer. Hit his car were ruined because of the sample. Plane example: I periodically need to take ten times a month the helicopter, each aeroplane catching off and landing when I will put their hands attach, I do not trust anything, I equitable feel that their lives are their own master again, because Heaven does not know what will occur. So each time I fly a 88 yuan to buy 50 million of insurance accident insurance, this is for family love and duty, which 50 million enough for my wife and children lived for two years, she remarried two years.
* one heart and three basic points: the charge of money as the center, save money as a starting point, with money as the converge, retaining the money for the protection.
Third, how many money you can start banking?
do not concern how much a month to save 100 yuan for the fund, save from 20 to 60 years antique, 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 adore me, I do not adore you.
girls, must be self-sustaining, patron of the mountain down, run at everyone. Is the only everlasting truth on their own.
Fourth, how funds allocation:
individual reservoir should be divided into three.
first: the crisis money, 6 months to a year of alive expenses. Deposit banks, present, regular, or money market funds.
second: life assurance money, three to five years living expenses, time deposit, bonds, mercantile pension warranty. Should be assured not lose, only something more, no less.
third: 5 to ten years do not have the money, this money can merely buy stocks and asset, to do real estate, or with friends to be a associate with anybody affair, to do this investment, you have to 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 penetrate who is swimming undressed. Now the point is not recommended approach, not a good time to buy funds.
competent to prophesy 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 assured? Second, I have an pressing 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 feelingful ups and downs of the stock market. Filial child should not let your parents stocks. Have you seen lining up to make a fortune 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 iron law!
V. When did you start good financial management?
from the self-start. Senior students should begin working save hire. Adult parents for money another is a very shameful thing.
six, financial management habits
1, frugal: less kick a car, do a little prettiness, to eat fewer of a dish, save money saved up to provide, so namely money begets money. Money begets money, wealthy, poor,Kids' Supra Skytop Shoes, debt on debt. Save money, money is a lot of esteem for the rich habits. Li Ka-shing frugal life is well known. Li Ka-shing from the motel 1 day, out of the car keys when you excavate a USD from his pocket and pop out the coin fell to the floor, bent down to elect up Li Ka-shing, one Indian security picked up and handed him the money, he took the yuan, from the pocket plucked among 1 hundred Hong Kong dollars to the security and took the dollar also gave security. Others are puzzled, asked why Mr LI Ka-do, he said, If a dollar coin does not pick it up, may be crushed to the floor vehicle, you may fall into the ditch, it ambition be wasted, the money is accustomed to spend, but 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 matter
the rich the poor, the rich can finance, amplify good habits, to invest, so of fleeing their own money to something.
2, engaged, not period apt play mahjong period treatment
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 products not only protect but also can invest savings, then why should fund companies?
4, less money, financial results
no mystery of financial management is the
6, financial management and financial management is rich
fortune does not matter. Financial management is proactive and help your asset safe and sound growth, to effect life goals.
7, financial management to financial management can not emulate the multitude
herd, must be individualized.
8, men and women Money Money is not the same as
all the same, women are more impulsive, women try to training restraint in the financial aspects of impulsive spending can be, If we do not impulsive, not re cute. Man
8, financial management one of the five:
1, adhere to living within our manner
life boxing champion Mike Tyson boxing from the age of 20 to 40 years old earn almost 4 billion U.S. dollars, but money undue, the villa has more than 100 rooms, several amusements 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 asset a young male must pay, hard work, poor old thing is the most bitter.
2, do not imagine of overnight riches
the sky namely no pie in the sky what is? Rain, sleet, dust storms, occasionally fall off a flowerpot or someone, namely not pie fall, the Chinese have a mentioning 40% -50% a annual contingency to be trusted, to meditation approximately other people's motives, it sounds too agreeable to entities are often not true. Many folk in the lottery jackpot behind decades of penury or for of to buy a big house, a car, drill out dozens of meager relatives. Mentally can not stand, favor Fanjinzhongju, suddenly fainted. When people give you looks like a good investment opportunity, query yourself six questions (for example and Hotel):
1, who is selling me something, the other How the credibility?
2, Gansha my money go?
3, what is the money I acquired, profit prototype.
4, yield reasonable? 1% -5% on lower earnings, 5% -8% gentle, 8% higher.
5, if I do not referendum, and sell out?
6, if sold, can own it? If two or more six questions in mistrust, do not quite honest.
3, do not get twisted in life
debt slaves, slave cars, cards. China's rich are mostly 28-35 years old. For example, in Hunan, 100 class of the house to buy 30 million, down 20% 6 million, action, etc. 2 million,Supra Footwear, 8 million upkeep, 20,000 family utensils, 20,000 inner valuables, not 20 million can not live inside. Repayment should be below 30% in revenue, 50% will be very uncomfortable. Good if you absence to have the financial ability to buy a house, buy a house is a house slave. Car slave even aggravate, 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 expense of 1800. Beijing 3000 Masters graduate salary, undergraduate 2000, young people do not hold nobody for the hereafter of fancy life.
little money from the beginning of life has changed, yet too cards - the car - still chamber - saving - investment. But you can never count bank, out of fiscal interest to headmaster, not yet.
4, monogamous marriage of a child is not the biggest financial
is the greatest debt. Do not divorce.
5, to concentrate on an investment
Chinese saying goes, called a fresh recruit, eat days, the lifetime investment you'll make a happy and live a merry 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 new investors: not sure.
now into the stock mall does not support, not a good opportunity to put the money inside the bank, that chance to vote again.
2, ready to have children, Ms.:
children to make financial preparations. Children will increase spending, revenue, use of reservoir reserves.
love is craft, marriage is a technology, a divorce is the arithmetic.