Wealth And Appearance Xia Yunfen: Making Money All Over The World Like This.

The personal data archive is now the host of the "news king" program of the special news station, and the host of the "China fund" code.

Financial and consumer shows are most popular among special guests.

He was once a reporter for the industrial and commercial times, a member of the China time evening news and the editor in chief of Dong's foundation health magazine.

He wrote the book "contemporary financial King: Xia Yunfen", "Xia Yunfen's financial planning three", "Xia Yunfen's women's private house financial management book", "from the negative to the rich", "investing in the stock market", "the money is taught - - Xia Yan Feng," a Book of financial management, "salary one and a half", "more flowers and more money" and other books.

She is neither a fund manager nor a securities company. He has not even studied economics, but has become Taiwan's "financial day". She not only made money for herself, but also passed on her experience to more people with her own lip service and writing style.

She is Xia Yunfen, a new Taiwan model of "wealth and integrity". She shares her experience in private housing management today.

The first step to saving money is to save money first. From the wage earner to the "financial day", what is your personal financial starting point?

As you know, I am neither a fund manager nor a securities company, nor even a student of economics. However, I am a newspaper reporter and I am a financial correspondent. Because I need to work continuously, I must learn from economics, stock and other books, and learn from traders and fund managers. That process is very hard and has been scolded by others: "you do not understand anything, why do you want to interview me?"

In this process that I never understood and understood, I found some tricks and some difficult economic principles. Through my writing, I can make ordinary ordinary working-class very easy to understand. Because I have no financial background like all of you, I can do it, and you can do it.

I think many wage earners feel that their salary is too small to know where to start financing. What do you think is the first step for the working class to manage their finances?

The first step is to save money.

If you ask an economist or a trader, he will not tell you to save money, it will only tell you how to analyze the market, right?

I think saving is very important. The first barrel of the salaried workers depends on saving money.

Of course, the way to save money is also important.

The average person's saving formula is: income = expenditure, but my saving formula is: income - savings = expenditure.

Can you force yourself to save money?

T: Yes.

Save money first, and spend the rest to control the cost of living.

I often tell young graduates in Taiwan that you deposit 3000 yuan (NT $six hundred or seven hundred) a month and convert it into RMB, which is not difficult.

In order to save money slowly, in the process of saving money, you should invest in your brain, read newspapers, books, network information, understand financial tools, financial information, and learn economic knowledge.

The first barrel of gold is also accumulated by saving money?

The first time I invested in my father's money was to invest in stocks.

However, this pressure is very great, because that money is his pension, and I am very nervous, so even if I see the opportunity, I dare not buy it.

Fortunately, when I first invested in the stock market, Taiwan was just as good as the mainland. Stocks and funds were very good, so I was lucky.

However, when I earn money, I give it back to my father immediately. This is very important. I think if I hadn't paid the money back immediately, I might have lost it.

The stock market is ups and downs. Most people make money, do not run, and want to earn more, and then only pay.

Therefore, I suggest that we should not borrow money to invest, nor can our family's money be borrowed because of the high psychological pressure and the higher probability of failure.

Do you think young people in Taiwan can accept your savings theory?

I can do that.

I told young people in Taiwan province that small money could make a lot of money, for example, a cup of coffee costs NT $105 NT, how much will it cost from 75 to 50 and 25?

Didn't you notice?

But if you invest 105 yuan a day for 50 years and calculate it by 5% compound interest, 5% is not high. It can earn 8 million oh.

So if you take a calculator, you will find that you have wasted a lot of money.

I also told you that everyone has never had money to get rich, and that the working class must be tempted to invest in it when they are young.

Everyone will also be able to understand as well as I do. From scratch, young people are willing to do it with me.