herve leger skirts- Year 40% -50% chance credible to think about other people's motives

one of the three aspects of financial management

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, to give you two options, first is you fired, two months salary compensation, the second is to pay your $ 1,000 down to $ 900 you Which program can accept? 99% of people can accept the second option. Then you give yourself to be a mandatory savings, the money sent directly to the lower 10% of the money in the bank, do not take that step, you will never be money.

2, with money: funds, stocks, bonds, real estate

3, protection money: Accidents will happen, who would not know anything about, so give yourself to buy insurance, insurance is an important means of financial management, but not all. With money is like playing well, for your steady flow of water into the reservoir, wells, but there is not enough light to repair a dam for the reservoir - an accident, hospitalization, serious illness. Because people ruin crashed examples. Plane example: I sometimes need to take a month of ten aircraft, each aircraft takeoff and landing, when I would put their hands together, I do not believe anything, I just feel that their lives are their own master again, because in the sky did not know what will happen. So I bought every plane 88 YuanBao 500,000 accident insurance, which is to love and family responsibilities, which 500 000 is enough for me wife and children lived for two years, two years she can remarry.

a center, three basic points: the center of money, save money as a starting point, students focus on money, protecting money for protection.

Second, how much money you can start banking?

do not care how much a month to save 100 yuan to buy fund deposit from 20 to 60 years old, is 637,800 yuan; save 30 to 60 years old, is 22 million; 40-year-old from the deposit, 70,000; 50 years old, 2 million. Money begets money is long-distance running champion, finance must start from a young age. Disposition of money: you do not love me, I do not love you.

girls, we must stand, backing down hill, run by everyone.

Third, how the asset allocation: individual reservoir should be divided into three.

first: emergency money, six months to a year of living expenses. Bank deposit, deposit, term, or money market funds.

second: life insurance money, living expenses for three to five years, fixed deposits, bonds, commercial pension insurance. Paul should not lose the only thing more, no less.

third: spare cash, five to ten years without 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 spare cash.

stock: The stock market tide, how to back up the how. Only when the tide goes out, we can see who is swimming naked. Now the point is not recommended approach, not a good time to buy funds.

able to predict the point of only three people: one day before, two crazy, the three crooks.

ask yourself before you buy stocks in three sentences: First, I have a house and insurance yet? Second, I have urgently the money? Third, I am ready to nerves and a good attitude it?

retired elderly should not be stocks, they are difficult to sustain in the financial and spiritual ups and downs of the stock market. Filial children should not let your parents stock.

you seen lining up to make a fortune it? Investors into the market this year, 90% after three years will become cannon fodder, only 10% of people make money from the stock market, which is the iron rule of the spread of the cat pounced!

four, when to begin good financial management?

from the self-start. Senior students should begin to work save on rent. Adults back to their parents for money is a very shameful thing, the cat pounced will be despised.

five financial habits

1, frugal: a few dozen cars, do a little beauty, a point to eat less food, accumulate the money saved up to invest, make money with 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 living is well known. Li Ka-shing day out from the hotel, dig the car keys from his pocket and pop out a dollar coin fell to the ground, bent over to pick up Li Ka-shing, an Indian security picked up and handed him the money, he took the dollar, from pocket pulled within one hundred Hong Kong dollars to the security, again the dollar is also given to security. Others are puzzled, asked why Li Ka-shing to do so, he said, fell into the ditch, it will waste away, to spend money, but can not be wasted. Often without money,

2, accounting: accounting every day, no one remember the words of three days can ah. Some people spend in the cat pounced mp are accounted for, the reality actually do not mind.

six financial management errors

1, financial management is something the rich: the poor, the rich be able to finance, develop good habits, to invest the money themselves to follow the above these things.

2, busy, no time to reason: there is no time to play mahjong time financial management? Chairman Mao is a daily account, do not say you do not have time, no matter how busy busy, but Chairman bar.

3, is to buy financial stocks to buy insurance: All the money used to purchase the stock that is not a financial gamble. Insurance companies say their products can not only protect but also savings investment fund company that also why?

4, less money, no financial effect: the secret of financial management is

5, I do not understand financial management: you can not understand science, finance is not hard, not too late to start learning at any time.

6, Money is rich: wealth management and wealth does not matter. Financial management is proactive and help your wealth safe, healthy growth, to achieve life goals.

7, financial management to the herd: Money can not follow the crowd, it must be personalized.

8, Money is not the same men and women: financial management is the same for all, women are more impulsive, a woman to exercise maximum restraint in the financial management aspects of some impulsive spending on it, if not completely impulsive, no longer cute. Man

seven financial management one of the five:

1, adhere to living within our means life

boxing champion Mike Tyson boxing from the age of 20 to 40 years old earn nearly $ 400 million, but his excessive spending, more than 100 villa rooms, dozens of sports cars, pension tigers as pets, the results of the end of 2004, bankruptcy when he still owes the State Department $ 10 million. If you are not a silver spoon born to enjoy 40 years of age should be something, a young man must pay, hard work, old age poverty is the most bitter thing.

2, do not dream of overnight riches

no pie heaven, heaven, what? Rain, snow, dust storms, occasionally fall off a flower pot or something, there will be no pie fall, the Chinese saying goes, Year 40% -50% chance credible to think about other people's motives, it sounds too good to what is often not true. Many people in the lottery jackpot after decades or poverty, because they have bought a big house, car, drill out dozens of poor relatives. Spirit can not stand, like Fanjinzhongju, all of a sudden dedication in the past. MP you should make a day by day in the HI Mop punch!

when someone else looks like a good investment opportunity, ask yourself six questions (for example hotel ownership): 1, who is selling me something, how the other's credibility? 2, Gansha my money go? 3 herve leger skirts, What is the money I earned, profit model. 4, yields reasonable? 1% to 5% in low income, moderate 5% -8%, 8% higher. 5, if I do not vote, and sell out? 6, if sold, can own it? If two or more six issues have questions herve leger 2011, do not quite credible.

3, do not let a lifetime of debt wrapped

house slaves, slave cars, cards. Most of China's negative Weng 28-35 years old. For example, in Hunan, 100 level of the house to buy, 300,000, down 20% of the 60000, deed, etc. 2 million, 8 million renovation, 20,000 household appliances, interior valuables 20,000, 200,000 can not live without into. Monthly payments of income should be below 30%, 50% will be very uncomfortable. Do you want to have the financial capacity is good and then buy a house, buy a house is a house slave efforts.

car slave worse, the car is sustainable consumption. Japan's rich daily bus, carrying lunch boxes. Credit cards are financial opium.

check wallet audience: college students, the monthly consumption of 1800. Beijing monthly salary of 3,000 master's graduate, undergraduate 2000, young people do not hold nothing for the future life of fantasy.

a little money from the beginning also to change lives, but also cards - the car - also room - save money - investment.

But you never count

banks, out of financial rather than the interest to principal.

4, monogamy a child

marriage is not the biggest debt is the greatest wealth. Do not get married and so easy to divorce.

5, to concentrate on an investment

Chinese saying goes, is called a move fresh, eat days, make an investment in your life will lead satisfying and happy life paul smith socks, not a gamble. Familiar not do it, do not know do not vote, do not herd. Some money is not yours.