How To Manage Money In Spring Festival

< p > < strong > liquidity management: cargo base best. < /strong > /p >

< p > December 2013, with the time of the end of the year approaching, the market is less than a href= "http://www.91se91.com/", "capital /a", the gold face is becoming increasingly tense, and the capital interest rate is also climbing steadily. Correspondingly, the 7 day yield of the IMF is also rising, so that investors can gain a lot in the high yield feast at the end of the year.

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< p > before, with the launch of WeChat CAITONG and the emergence of all kinds of Internet financial "baby" represented by balance treasure and change treasure, Internet financial management has gained unprecedented attention.

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The difference between P and bank financing is that these internet financial products correspond to monetary fund, and the balance treasure is linked to Tianhong Zeng Li Bao, which is linked to Huaxia fortune treasure.

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< p > take the above several monetary fund as an example, statistics show that the highest average annual yield of 7 days is "Guang Fa Tian Hong", the average annual yield of seven days is 6.85%, followed by "huitianfu Jinbao" 6.43%, "Huaxia fortune treasure" 6.44%, the lowest is "Tianhong Zeng Li Bao" 6.22%, which is higher than the average earnings of financial products in the same period.

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< p > in fact, apart from these internet financial products, most monetary funds have good earning power, and the high yield of IMF will continue for some time.

Therefore, whether in terms of liquidity or from the level of yield, IMF is the "good hand" of mass cash flow management in the Spring Festival.

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< p > < strong > < a > href= > http://www.91se91.com/ > > Spring Festival < /a > Travel: accident insurance first > /strong > /p >

< p > settle the "money bag" and think about how to get out of the Spring Festival.

Now with the popularity of private cars and the change of people's lifestyle, there are many people who are not at home during the Spring Festival.

Travel abroad and self driving tours are also common.

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< p > for this reason, the advice given by insurance experts is that it is very necessary to buy an accident insurance for the people who travel during the Spring Festival.

In the current market, the protection of accident insurance mainly covers several aspects: Tourism accident insurance, traffic accident insurance and comprehensive accident insurance.

The so-called "travel accident insurance" refers to the insurer's insurance liability for the insured's death or disability due to accidents during the travel period or on the way of travel, or other protection items within the scope of the insurance.

What needs to be reminded is that, based on the National Tourism Administration's explicit request for travel agencies to insure travel liability insurance, some tourists think that it is unnecessary to buy travel insurance.

In fact, the travel liability insurance only covers the losses caused by the negligence of the travel agency, and does not cover all the accidents that tourists take during the tour.

Due to personal and natural causes of injury to tourists, only travel accident insurance can be liable for compensation.

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< p > it is noteworthy that since January 1st this year, the newly promulgated "assessment standard of disability insurance for personal injury" has been formally implemented. Compared with the old standards, the new standard has greatly expanded the categories, items and grades of the coverage of disability insurance, such as the original standard is 7 disability grade 34, the new standard has been expanded to 10 disabled grades, 281 items of disability, and all insurance companies have started implementing the new standard from the new year's Day accident insurance.

Although it is a little more expensive on the price, buying an accident insurance can really protect the travel safety. Why not? /p

< p > for those who want to leave the country, overseas travel insurance must be carried with them.

In fact, some overseas travel insurance programs are very useful.

Once an accident occurs, some of its contents, such as arranging hospitalization and paying medical expenses, will be used in the journey.

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< p > strong > festival consumption: < a href= "http://www.91se91.com/ > > credit > /a > card" Xi brush "< /strong > /p >

< p > it is understood that during the Spring Festival, some banks will continue the practice of temporarily raising the credit card quota of the cardholders on holidays, so as to meet the demand of customers for holidays.

The period of increase is usually a cycle of 1 months, the longest being less than 3 months.

The increase will depend on cardholder's credit history and credit card number, which can be doubled or doubled.

The general bank will review the credit card records of cardholders, inform customers through SMS, and voluntarily raise the credit limit of holidays.

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< p > therefore, investors who own credit cards are especially "cost-effective" during the Spring Festival: they can not only avoid the inconvenience of using cash, but also make points through consumption.

Some credit cards or joint cards.

This kind of view is equivalent to the VIP card of the shopping mall. Cardholders holding such cards can enjoy a certain discount in designated merchants, and in order to expand the number of issuing cards, banks sometimes launch some promotional activities during the Spring Festival, which can also be discounted by credit card consumption.

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< p > strong > pfer remittance: before the beginning of the festival, the fund arrangement is < /strong > < /p >.

< p > it is not convenient to go out with cash, especially those who want to go abroad for holidays or return to their home festivals. It is not safe to travel with large amounts of cash.

Therefore, it is the best way to avoid making money during the holidays.

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< p > according to the notice of the people's Bank of China, the relevant payment and settlement system of the people's Bank of China will be suspended during the Spring Festival in 2014.

This means that the small payment system, the online payment interbank clearing system and the national cheque image exchange system will be suspended for the period from 16:00 to February 2nd January 30, 2014.

From 20:00 on January 30th to 20:00 in February 2nd, the electronic commercial draft system was suspended.

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< p > for this reason, a number of banks have posted notices on their official website to remind them that no matter whether they are through online banking or counters, investors will not be able to pfer funds across the border.

However, if the pfer is carried out, whether it is a foreign city or a city, it will not be affected.

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< p > of course, the interbank clearing system of bank card is still running after the interbank pfer of the bank is blocked.

If the cardholder has the demand, and at the same time, the bank card and the bank card that they need to pfer have the ATM machine's Cross - bank pfer service, then can carry on the cross - line pfer on the ATM machine.

However, not all banks have launched this function, and cardholders need to consult ahead of schedule to ensure smooth pfer during the festival.

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