learn financial management financial management must first get to know the three links
http://ixgw.com financial literacy
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 cut costs, give you two options, first is you fired, compensation for two months wages, and the second is to pay you a thousand dollars down to nine hundred yuan, you Which program can accept? 99% of the people can accept the second option. Then you force yourself to be a savings, money sent directly to the next 10% of the money in the bank, do not take that step, 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 happen, 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 repair a dam for the reservoir – an accident, hospitalization, serious illness. Hit his car were ruined because of the example. Plane example: I sometimes need to take a month, ten times the aircraft, each aircraft taking off and landing when I will both hands clasped together, I do not believe anything, I just feel that their lives are their own master again, because do not know what will happen in heaven. So every time I buy a plane 88 Yuanbao 500,000 accident insurance, this is for family love and responsibility, which 50 million enough for my wife and children lived for two years, she remarried two years.
one center and three basic points: the charge of money as the center, save money as a starting point, with money as the focus, retaining the money for the protection.
talking about this, surely someone will ask, that in the end how much it can start in?
Money does not care how much
fact, save 100 yuan a month to buy funds, deposits 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 age, 2 million. Money begets money is long-distance running champion, financial management must proceed from the start young. Money mettle: you do not love money, money do not love you.
girls, must be self-sustaining, patron of the mountain down, run by everyone.
then talked about the beginning of the financial management, how should we go from what asset allocation:
individual reservoir should be divided into three.
first: the emergency money, 6 months to a year of living expenses. Deposit banks, current, regular, or money market funds.
second: life insurance money, three to five years living expenses, time deposit, bonds, commercial pension insurance. Should be guaranteed not lose, only something more, no less.
third: spare cash, 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 open a partnership with any business, do this kind of investment, it must be the spare cash. * Stock: The stock market, such as tides, how to back up the how. Only when the tide goes out, we can see who is swimming. Now the point is not recommended approach, not a good time to buy funds.
able to predict 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 insured?
Second, I have an urgent need of money?
Third, I am ready strong nerves and a good attitude it? Retired people should not be in stocks and they are unbearable financial and emotional 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 become cannon fodder, only 10% of people make money from the stock market, which is the iron law!
So when they start is good financial management?
from the self-start. Senior students should begin working save rent. Adult parents for money again is a very shameful thing.
mentioned here is that personal finance should habits
1, frugal: less hit a car, do a little beauty, to eat less of a dish, 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 known. Li Ka-shing from the hotel one 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 pick up Li Ka-shing, an Indian security picked up and handed him the money, he took the yuan, from the pocket pulled within one hundred Hong Kong dollars to the security and took the dollar also gave security. Others are puzzled and asked why did Li Ka-shing, he said, “The hundred dollar service he gave me, I pay. If a dollar coin does not pick it up, may be crushed to the ground vehicle, you may fall into the ditch, it will be wasted, to spend the money, but not waste. “We often say that the more pull the more money the rich, because they know the money not come easily. Often without money, “poor and generous.”
2, accounting: day accounting, not even once, then three days of record can ah.
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