Money namely quite profitable apt share reproduced

Hunan television the day before yesterday, Notes by a bit then share with you.
Liu Yanbin: National Occupational Skill Testing Expert Committee, secretary common of the profession of financial intending. Number of agencies was responsible for securities investment services, has held a digit of great corporation teams and listed companies, financial consultants. For finance and investment, has a wealth of practical experience.
I. What is Money?
Money is in charge of money, Income such as a river, a reservoir of wealth is that you spend money like water. Money is a good reservoir management, cut costs.
Second, the financial management of the three correlates
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 slit prices, give you two options, premier is you bombarded, compensation for two months wages, and the second is to pay you a thousand dollars down to 9 hundred yuan, you Which agenda can adopt? 99% of the people can accept the second alternative. Then you coerce yourself to be a savings, money sent directly to the next 10% of the money in the bank, do not take that tread, you will never have money.
2, with money: funds, stocks, bonds, real possession.
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,Cheap Supra Shoes, for your steady stream of water into the reservoir, but there are wells of light is not enough to fix a dike reservoir --- for the occurrence, hospitalization, solemn cancer. Hit his car were ruined because of the example. Plane example: I occasionally need to take ten times a month the aeroplane, each helicopter taking off and landing when I will put their hands attach, I do not trust anything, I fair feel that their lives are their own master again, because Heaven does not know what will occur. So every time I fly a 88 yuan to buy 50 million of insurance accident insurance, this is for family love and duty, which 50 million ample for my wife and children lived for two years, she remarried two years.
* 1 hub and three elementary points: the charge of money as the center, retention money for a starting point, with money for the focus, retaining the money for the conservation.
Third, how much money you can start banking?
do not concern how many a month to save 100 yuan for the fund, save from 20 to 60 years age, is 637,800 yuan; 30 years old to 60 years deposit, is 22 million; 40-year-old with one initial deposit, 70000; 50, 2 million. Money begets money is long-distance sprinting winner, financial management must continue from the start young. Money mettle: you do not love me, I do not love you.
girls, must be self-sustaining, contributor of the mountain down, run at everyone. Is the only everlasting fact on their own.
Fourth, how things allocation:
individual reservoir should be divided into three.
first: the emergency money, 6 months to a year of living expenses. Deposit banks, present, regular, or money market funds.
second: life insurance money, three to five years living expenses, time deposit, bonds, mercantile pension insurance. Should be assured not lose, only something more, no less.
third: 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 be a partner with anybody commerce, to do this investment, you must be more money.
* Stock: The stock market such as the tides, how to's on how to behind up. Only when the tide goes out, we can watch who is swimming undressed. Now the point is not recommended reach, not a good time to buy funds.
proficient to predict the point of only three varieties 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 absence of money? Third, I'm ready mighty nerves and a good opinion 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 fortune in it? Investors into the market this year after three years 90% will chance cannon fodder, only 10% of people make money from the stock market, which is the iron law!
V. When did you begin good financial management?
from the self-start. Senior students should begin working save lease. Adult parents for money again is a very disgraceful thing.
six, financial management habits
1, frugal: less buffet a car, do a tiny pulchritude, to eat less of a tray,Supra Footwear, 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 thrifty life is well known. Li Ka-shing from the hostel one daytime, out of the car keys when you dig a greenback from his pocket and pop out the 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 dragged within one 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 ground conveyance, you may fall into the ditch, it will be wasted, the money is secondhand 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 wealthy can finance, develop good habits, to invest, so of running their own money to something.
2, busy, no time to melodrama mahjong time management
no time banking? Chairman Mao is a daily accounting year, do not say you have no time, no matter how busy it is also busy President.
3,Supra Muska Skytop Shoes, financial management is to buy stocks to buy all the money used to purchase the assurance
namely gambling namely not a monetary stock. Insurance companies say their productions not only defend but too tin invest savings, then why ought fund companies?
4, less money, financial results
no hidden of financial management is the
6, financial management and financial management is rich
fortune does not stuff. Financial management is proactive and assist your wealth secure and sound growth, to attain life goals.
7, financial management to financial management 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 extra impulsive, women attempt to training restraint in the financial appearances 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 among our means
life boxing champion Mike Tyson boxing from the age of 20 to 40 years old earn almost 4 billion U.S. dollars, but money extravagant, 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 disburse, hard work, poor old thing is the maximum bitter.
2, do not imagine of overnight riches
the sky is not pie in the sky what is? Rain, sleet, dust storms, sometimes fall off a flowerpot alternatively someone, is not pie fall, the Chinese have a saying 40% -50% a year chance to be believed,Kids' Supra Skytop Shoes, to think almost other people's motives, it sounds also good to entities are often not true. Many people in the lottery jackpot behind decades of privation alternatively because of to buy a huge house, a car, drill out dozens of poor relatives. Mentally can not stand, favor Fanjinzhongju, suddenly fainted. When people give you looks like a good investment opportunity, inquire yourself 6 answers (for example and Hotel):
1, who is selling me something, the other How the credibility?
2, Gansha my money work?
3, what is the money I acquired, profit model.
4, yield rational? 1% -5% above lower earnings, 5% -8% gentle, 8% higher.
5, whether I do not ballot, and sell out?
6, if sold,Supra Trainers, can own it? If two or more six questions in mistrust, do not very honest.
3, do not get tangled in life
debt slaves, slavery cars, cards. China's rich are mostly 28-35 years old. For sample, in Hunan, 100 class of the house to buy 30 million, down 20% 6 million, deed,Supra Indy NS Shoes, etc. 2 million, 8 million upkeep, 20,000 family utensils, 20,000 interior valuables, not 20 million can not live inside. Repayment should be below 30% in revenue, 50% will be very uncomfortable. Good if you want to have the financial competence to buy a house, buy a house is a house slave. Car slave even worse, the car is sustainable consumption. Japan's millionaires every day by bus, carrying luncheon boxes. Credit cards are financial opium.
check billfold audience: institute students, the monthly consumption of 1800. Beijing 3000 Masters graduate salary, undergraduate 2000, young human do not hold nothing as the future of fantasy life.
little money from the beginning of life has changed, but also cards - the car - still chamber - saving - investment. But you can not calculate bank, out of financial interest to principal, by far.
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, shrieked a fresh recruit, dine days, the lifetime investment you'll make a cheerful and live a cheerful life, not a gamble. Unfamiliar not do it, do not understand do not vote, do not herd. Some money is not yours.
crowd questions:
1, prologue day of the current investors: not sure.
now into the stock market does not support, not a good opportunity to put the money inside the bank, that chance to vote afresh.
2, ready to have children, Ms.:
kid to make financial arrangements. Children will boost costing, revenue, use of pond reserves.
love is masterpiece, marriage is a technology, a divorce is the arithmetic.