2014 Are You Ready For Financial Management?

P > < strong > 1. Keep healthy and good "a href=" http://www.91se91.com/ "> financial < /a > < /strong > < /p >.

< p > mentality is very important to do anything.

Before financial management: < /p >

< p > 1, clear financial management is physical and mental work, prepare for a long-term struggle, live and old, and < /p >

< p > 2, wealth management will not be rich. The rich will be left to the two generation of rich two generation or the era of real estate speculation in the last century. Financial management is a systematic project. If someone tells you that wealth management can be rich, it is not a cheat or a madman; < /p >

< p > 3, financial management is an individual act, and financial requirements are within the limits of income, so we need to increase revenue and reduce expenditure, so we should put aside those untimely vanity and take care of the cheap. < /p >

< p > 4, wealth management is for the purpose of stabilizing the value of property. It is based on not losing money. It takes bank benchmark interest rate and CPI related value as reference. Therefore, it is necessary to keep a clear eye on financial matters, learn more, think more and think more, maintain a calm state of mind, avoid greed, do not aim at high profits, too many social fraudsters, and fool is obviously not enough.

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< p > < strong > two, set up the long and short term financial targets that can be realized < /strong > < /p >

< p > < a href= > http://www.91se91.com/ > > target > /a > motivation. Of course, this goal can be realized, for example, 5000 yuan in monthly income, and we want to buy a house in the imperial capital through 3 years of financial management, unless you have a million father, otherwise it will be funny.

Therefore, before making financial decisions, making a long-term N short-term goal for yourself is a prerequisite for conscientiously carrying out financial management.

Long term goals refer to goals that can be achieved over 10 years or so, such as pension, housing and so on. Short term goals usually come from three months to five years, such as buying a car, traveling abroad, and of course, super short-term goals, such as buying a love mad local tyrant.

Of course, there is also the profit growth rate of wealth growth, such as the annual realization of 10%, and the acceptable range of losses.

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< p > < strong > three, understand your financial situation < /strong > < /p >

< p > knowing your savings, debts, working capital and market value of your own property is the prerequisite for making financial planning.

Through accounting, carefully record their income and expenditure, and estimate the annual surplus.

According to the actual situation, to plan their own financial management.

It usually takes one year to be clear.

Then, learn to make personal and family budgets just like enterprise budgets.

Know how much money you have to earn, how much money you have to spend, how much money you want to spend, how much money you can use to invest.

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< p > strong > four, related < a href= "http://www.91se91.com/" > financial knowledge < /a > reserves < /strong > /p >

< p > 1, understand savings.

Know which state-owned banks are in your side, which are shareholding banks, and their differences; clearly understand the meaning of the benchmark interest rate; the deposit interest rates of all kinds of savings businesses around the bank; know the meaning, handling and handling methods of the whole deposit and withdrawal, zero deposit, and seven day notice deposits.

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< p > 2, understanding bonds.

Knowing the three kinds of bonds, government bonds, financial bonds and corporate bonds, and their differences, risks and ways of buying, they can be easily found in degrees.

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< p > 3, understand the fund.

Know the type of fund and the standard of classification.

Understand the risks of various funds, the direction of investment, issuing companies, fund rates, fund managers, historical achievements of funds and so on.

Before investing in the fund, only by carefully understanding the relevant status of the fund can we make our own judgement, so that we can not buy others without saying anything, and at the same time develop our own ability to choose bases.

There are many related reference standards on the Internet, which need to be done by themselves.

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< p > 4, understand stock.

It is risky to enter the market and invest prudently.

Stocks are so abstruse that it's really hard to understand.

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< p > 5, precious metals investment, futures, real estate, shop investment, insurance and so on.

This part has not been dabbled, just watching the bustle.

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< p > as the old saying goes, knowing each other and winning the battle, understanding the basic attributes and operation methods of all kinds of investable products is the key to financial management and the golden key. At the same time, it can prevent all kinds of being deceived.

While guiding your investment and financial management, you can also increase your knowledge and enrich your spare time life. Why not? /p

< p > < strong > five, preparation of necessary tools < /strong > < /p >

< p > 1, two or more cards have been opened up for online banking and even mobile banking, one for savings and one for investment.

You need to wear your ID card to run the bank.

Factors that need to be considered include the nature of the bank, the relevant deposit interest rates, the annual fee of the card, the management fee of the small account, the cost of the short message prompt, and so on. In the process of handling, it is suggested to ask the bank once and for all.

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< p > of course, the most important thing is to be convenient, to stay away from convenient withdrawals, or to choose credit card issuing banks, payroll cards and so on.

Personal suggestion is to choose a state-owned bank and a joint stock bank.

State owned banks have complete business, low share bank charges and high interest rates.

I personally have three cards, a card industrial and commercial bank, a lot of business (I want to accumulate gold business), in many fund websites, third party websites all enjoy the purchase 60 percent off, at the same time still pay card.

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< p > a Minsheng Bank card, which is used to make 36 savings. The deposit interest rates above two years are all up to the top, ICBC 2 years 3.75,3 4.25%, Minsheng Bank 2 years 4.125%, 3 years 4.675%.

Minsheng Bank has no annual fees, small management fees, and all kinds of other banks ATM cash free functions.

Another is China Merchants Bank, its first credit card. It is a card previously used by China Merchants Bank and QQ. It is very beautiful.

At present, it is used to make the fund fixed investment, because the binding of credit card repayment has saved many management fees.

China Merchants Bank is close to its residence. It is very convenient to withdraw cash.

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< p > 2, at least one credit card.

According to their own actual situation, choose the right credit card, credit card can not be too much, to make the best use of it, otherwise it will easily become a card slave, 50 days of repayment period, you can make use of a small sum of money.

It can also form personal credit records to facilitate future loans.

I personally use China Merchants Bank and Bank of China to prepare another application.

China Merchants Bank is the first credit card to make use of the sentiment. The Bank of China has a lot of discount on seeing movies and eating. The application of the bank card is very large. The amount of the card is too large, and the card that runs and supermarket is linked together.

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< p > 3, a securities account.

It is not necessary to say that securities accounts invest in stocks. In fact, it has many uses, such as the reverse repurchase of Treasurys I play every day.

It can buy bonds, buy field funds ETF, invest convertible bonds, short-term lending, or even monetary fund.

When opening a securities account, it is best to find an agent and get a lot of trade discounts.

Of course, it is unavoidable to ask for a leave when you open an account and go to work.

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< p > 4, a Alipay account.

The advantages of Alipay account are not much to say. The only thing to pay attention to is the safety of Alipay accounts, to remind you to pay attention to computer security and to open SMS tips (6 cents a month).

If you lose your cell phone, you must freeze the Alipay account.

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< p > 5, the sister paper that likes to buy funds can open a third party fund platform account, such as daily profit, day fund, etc., the advantage is that it can enjoy the discount of purchase, the lowest is sixty percent off, do not go to each fund website to register accounts, fill in a lot of data, and the disadvantage is safety.

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