What Details Should Be Paid Attention To In Personal Finance?

In fact, few people can correctly examine themselves and know themselves. Many people do not know themselves whether the current consumption situation and income match and whether the investment products are the most suitable ones. Therefore, we need to examine ourselves regularly.

The purity of gold and paper gold is different from that of gold and paper gold. The purity of monetary gold is higher than that of gold jewelry. Therefore, gold jewelry is not worth preserving from the monetary point of view. Jewelry gold can only be used to exchange jewelry gold.

Buying lots of accessories gold is not investment in gold.

The amount of dividends is not much related to the quality of the fund.

The high dividend fund sometimes pays at the expense of the capital base. For open-end funds, investors can even earn some dividends by redeeming some shares.

Some people do not have passwords, some retain their original passwords, and others use all of them.

Some investors even wrote the password on the back of the card number.

For such a habit, if a criminal wants to cheat you, it will be a few minutes before you lose your fortune.

Many people open a lot of cards on the bank card, but remember everything.

The repayment time and amount should also be remembered that the preferential policies of each bank are very inconvenient.

At the same time, with your credit card, many of your expenses can not be immediately shown on the books, accounting will also be delayed, so the next step is not easy to make financial planning.

Everyone has a habit of managing money. Jiaxing Reed financial planner found that some people failed to manage their finances because they had some wrong financial habits.

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The designation of minimum wage standard is very important, in order to better protect the basic life of low-income workers and their family members, and enable people to lead a better life.

The all China Federation of trade unions held a press conference in Beijing on 1 th, and announced the adjustment of minimum wage standards in various parts of China.

The circular pointed out that in 2014, there were 18 provinces in Beijing and Shenzhen, which adjusted the minimum wage standard. The average growth rate of the 19 regional minimum monthly wage was 14%, which was lower than that of 17% in 2013.

The minimum wage system is an institutional arrangement for protecting the economic rights and interests of labourers and an important means to raise the wage level of low-income workers.

Bulletin pointed out that in 2015, as of now, Beijing, Tianjin and other 6 provinces and Shenzhen have successively adjusted the minimum wage standard, the adjustment range is generally around 10%.

Judging from the adjustment, this year's minimum wage increase has been reduced compared with last year.

The circular pointed out that from 2011 to 2014, 24, 25, 26 and 18 provinces in the whole country adjusted the minimum wage standard, and the adjustment ranges were 22%, 20%, 17% and 14% respectively.

It is understood that the national "12th Five-Year plan" plan and the State Council's approval of the "opinions on deepening the reform of income distribution" document clearly stipulates that the minimum wage standard increased by more than 13% during the "12th Five-Year" period, and the minimum wage standard in most areas reached more than 40% of the average wage of local urban employees.

Up to now, the progress of the 12th Five-Year plan has been mixed.

According to the completion of the annual average growth rate of 13% of the minimum wage in the bulletin, the 25 provinces that have not yet adjusted the minimum wage standard this year, the minimum wage standard of 16 provinces will increase by 15% within 2015, and the target of 12th Five-Year will be completed.

From April 1st, the minimum monthly wage of Shanghai workers will be adjusted from the current 1820 yuan to 2020 yuan, ranking the first place in the national minimum wage standard.

This is the twenty-second time in Shanghai to raise the minimum wage.

At the same time, the minimum monthly wage in Guangdong rose to the highest level of 1895 yuan, ranking second; the monthly minimum wage in Tianjin moved to 1850 yuan in the third place; the monthly minimum wage in Beijing was adjusted from 1560 yuan to 1720 yuan, ranking fourth.

It can be seen that the minimum wage level in almost all regions is above 1000 yuan.

Among them, compared with other regions, Guangxi has the lowest monthly minimum wage rate of 830-1200 yuan, while Guizhou and Heilongjiang minimum wage rates are 850-1030 and 850-1160 respectively.

In addition, it is worth noting that Heilongjiang and Tibet have not adjusted the minimum wage standards for two consecutive years, which do not meet the requirements of "minimum wage standards at least once every two years" in the minimum wage regulations.

According to the data of the National Federation of trade unions, the number of workers directly or indirectly affected by the minimum wage adjustment accounted for 20% of the employees, and most of the staff members should receive the average wage or higher than the minimum standard.