Money ?? Money? ? ? ? ???As one saying goes - "you do not fiscal, financial ignore you," but there is a financial management skills. I mentioned in the book, "As long as you learn financial management, not the boss can make a fortune! Is not building houses, do not buy a house to live, but can be renters, buying a house to sell; do not buy life insurance; do not rely on food to save money to the bank interest, the money to invest as much as possible. " In fact, many people are aware of investment most likely to make money, but the finance and investment capital come from? To invest first, "there is capital available to vote", to finance the first to "have money management." So how do you "have information to vote, a money management" mean? ???1, to learn as much as possible to give all his "dead money" to "live money"; ???As far as possible the "dead money" to "live money" approach, that is, as far as possible before they have enough money, especially before the age of 35, do not build a house or buy a house to live, Ç§Íò²»ÒªÂò life insurance, do Do not go for marketing (MLM as long as things like whether it is now called "What sales" are not going to be), do not spend money. ???1), why not build a house or buy a house too early to live in? ????A, because you are not successful in the business before you are the seed of every penny, or "mother hen", you put the seed or the "mother hen" too early to eat how will the future harvest or "egg" it? If you are a trustworthy person, your money will be used to zoom. This means that if you have much cash, you can borrow to how much money; if you do not have the money or because there are liability issues the house, then you advance the "credit", a overdraft "credit" were almost is unable to borrow. If you do not have the capital, even the best investment you will be missed. ???B, without a sufficient capital for investors, it is definitely "buy a house to live" rather than "renters" and, of course, "buy a house to sell," belongs to another (investment behavior are not consumer behavior.) ???It is said that "any one subject, if, when successfully applied mathematics to become a science." So, to make the investment in science, we must apply mathematics, every dollar used to be taken into account when the interest costs and opportunity costs. ???Today's world, most investors feel the capital shortage, the Chamber's richest man Li Ka-shing is no exception, so the Li Ka-shing also often go to the bank to borrow money. Chinese folk on the current interest rate financing 6 ¡ë - 30 ¡ë among the most common monthly rate for the financing of about 10 ¡ë, which is often said that monthly interest rate of one point. ???If you are a shortage of capital investors, the financing of your monthly interest rate is 10 ¡ë, assuming you buy a set in Beijing, the city of 50 square meters of housing, with the total cost of the general renovation of 50 million. 10 ¡ë 50 million monthly interest rate calculated by the interest of 5,000 yuan a month, and you rent in Beijing, a total of 50 million cost of housing, the rent should be around 1,200 yuan, you can save renters 3800 yuan / month in interest. There is such a good thing, why did you buy a house to live in? And for an investor, he's lost far more than these, you may bought a house and lost a golden opportunity to make a fortune. Unfortunately, the vast majority of people who will not finance, he can only see your rent, but do not see the interest is more expensive, but do not see the huge loss of investment opportunity cost. ???I once had a student come to me to borrow money at 10 years ago, I asked him to borrow money for? He said the past few years and a friend in Guangzhou the same village wage earned 100,000 yuan per person money, wants to build a house in his hometown, leaving a shortfall of 20,000 yuan per person budget, his friend has borrowed to see if I can can not help him. I asked him a few questions: 1 Why are you building? 2, Do you like building a house but prefer to make a fortune? He said their house is now a broken home, parents have been unable to afford to live in that house was. But who does not like rich it? ???So I went to visit his home, did not think that place really good, except that they both work out of other people use the money to build a big house, and each floor is empty at least useless, but therefore every household debt. I advised him not to build both a house, it is better to deposit the money to me to wait for better investment opportunities, as their parents free of charge from the charge of my arrangements for the best in the village to their homes, I can also give each person them 500 yuan / month in interest, as the money as long as 48 hours notice can be removed at any time. Just take away money and then take them to their 100 yuan / month in rent (and later I spent 100 yuan / month rent in the village to give him a layer of more than 200 square meters of the best house.) Of any investment opportunity I am also responsible for staff free of charge. ???Repeatedly by my persuasion, he accepted my proposal to deposit 10 million into my hand, his parents moved into a new building, and he also received 500 yuan / month in interest. But his friends just would not listen to persuasion, finally, by a 2 million yuan to build a new house. Six months later, because they both worked in the unit have results, the boss gave them the opportunity to become shareholders. There the students took away my 10 yuan to me, also the relatives and friends of money borrowed 10 million shares, while his friend was building the house was in debt, there is simply not borrow money, and shares the opportunity to missed. After 10 years, I have thousands of students became the owner of assets, and his friends who are still working, only get 8,000 yuan monthly salary. ???So I say, the chance of life as "thieves" as to when the silent, you caught on the catch, you did not catch no catch, but it's time for you to regret! ????C, another to buy a house early harm is a waste of time, which is in Beijing and other big cities in particular. In Beijing there are at least half of the working class, to work from their home units at an average of 1.5 hour drive back and forth on the road this time of the day is 3 hours. An effective working hours a day about 10 hours, but spent three hours on the road, this is how big waste. A waste of 3 hours a day is equivalent to 30% waste of life, that the man he lived to 100 years old people live only about 70 years old, lived to the age of 70 is equivalent to 49-year-old people live. What a pity ah! ???D, a man too early to buy a house to live he is not just the loss of current investment opportunities and life, and most of his future investment opportunities and good jobs will lose out. Because of his several hours every day bumps in the road, get home just to sleep, how have the energy to enhance learning to improve yourself? How have the energy to find better employment and investment opportunities? ???Of course, I want you not to hurry to buy a house to live does not mean you do not live the house, and I just want to tell you the lowest price for a house to live it the most satisfying. Renters can not only give you as much capital to start, you can also rent the house you always leave your place of work in 20 minutes or less. When you change place of work can also result in changes place of residence, the house will always be your slave follow you, not your slave for the house so that you become exhausted. If more and more people choose to live nearby to save time, the Beijing traffic jam problem will be solved. ???Last year, Beijing has a family, a family of three is only 1300 yuan / month income, but because of the demolition has been a value of 50 million homes (the house the local rent of 1,200 yuan / month), a known 500,000 yuan assets of people who have lived through the days not. Later, I gave him a golden idea to him not concerned about "ownership", as long as the concern "the right to use" and "usufruct." Later, he accepted my proposal to sell 50 million price of the house and then bought a 49 large street facade million. Although the facade is only more than 10 square feet, and the shape is irregular, many people look like much, but I told him as long as the concern about "usufruct." Cosmetic result, he bought 4,000 yuan a month to rent. Then the original 1,200 yuan in housing next door, rented a house with him exactly the same as the original house to live. Such a change, so that he did not lower the standard of housing under the premise of income has increased by 2,800 yuan / month, from leading a good life. ???2) Why can not people who want to invest in life insurance to buy it? ????I suggest that people who do not want to invest in buying life insurance, is not no one to buy. For only the money in the bank can foresee people or to their own within a decade there must be a very unfortunate thing to happen people can still buy. ???Why do I suggest that "want to invest in the people" must not buy life insurance it? Insurance is not a guarantee because they have bought you "do not escape from danger", and still say you "out of danger" after what the insurance company compensate you. So buy a life insurance is not an "insurance", it is still an "economic issue", if you have a better way to get higher returns than insurance claims, do you think still want to buy insurance? ???Take China Life Insurance Company launched a "Corning Life Insurance" for a 20-year-old men like to pay 97,800 yuan one-time premium (in order to facilitate the calculation, I chose like to pay), regardless of death for any reason at any time can be 30 million guaranteed. For a person who does not finance, good cost-effective ah! But for a person who will finance it suffered a major loss. Because people buy this insurance at any time for any reason, regardless of the deceased, get the greatest return coefficient is 300000/97800 = 3.0675, if the annual investment return rate of 12% to calculate it, that is (1 +12%) n = 3.0675, the n ¡Ö 9.9 years, that is, 29.9 years old when he died just buy insurance equal to not buy insurance, picked up one day per premature death around 56 dollars cheaper ¡¾(-97,800 per 300,000 yuan compensation insurance) Yuan ¡Â 3613 Ìì it, but if the night is not dead just one day get 56 yuan a loss. Can be found by calculation, if the age of 40 will live to a certain loss of 640,000 yuan ¡¾97,800 yuan premium ¡Á 9.65 (20 years of compounding factor) -300 000 = 643 770¡¿, if you live to the age of 50 will be loss of 2.63 million yuan ¡¾97800 ¡Á 29.96 (30 years of compounding factor) -300,000 = 2,630,088 yuan¡¿, if you live to the age of 60 will be loss of 8.8 million yuan ¡¾97800 ¡Á 93.05 (40 years of compounding factor) -300,000 = 8,800,290 yuan¡¿, I will not forget the back, because The more considered the more scary. Perhaps you will say, who have 12% annual rate of return? Then I want to tell you that the average interest rate of private lending in China is so much, and those who borrow money to pay interest after these can also be profitable. Also, if you think that get 12% rate of return is not guaranteed, I'll tell you a guaranteed rate of return, that annual return was 7.2%. If the investment of 7.2% annual rate of return to calculate it, that is (1 +7.2%) n = 3.0675, the n ¡Ö 16.2 years, that is, when he died in the 36-year-old insurance just do not buy insurance equal to the average Every day can be picked up early death cheap ¡¾about 34 yuan (300000-97800) yuan ¡Â 5913 Ìì it, but if the age of 40 will live to a certain loss of 930 million yuan ¡¾97800 ¡Á 4.02 (20 years of compounding factor) -300,000 = 93,156 yuan ¡¿, if you live to the age of 50 will be loss of 480,000 yuan ¡¾97800 ¡Á 8.05 (30 years of compounding factor) -300,000 = 487,290 yuan¡¿, if you live to the age of 60 will be loss of 1.28 million yuan ¡¾97800 ¡Á 16.14 (40 years of compound interest factor ) -300,000 = 1,278,492 yuan¡¿. ???Maybe somebody will say, I do not want 12% annual rate of return of 7.2% for as long as I am satisfied, where there is such a safe and sound investment opportunity? I've got a, you also have the vast majority of people around such investment opportunities. Who are interested can find me at any time, like to try it? ???Fifteen years ago I began to study in the insurance, then watched a program about The Merchant of Venice offered the story of an insurance company. He is said to know that through years of investigation, each merchant sailing dangerous condition of the wreck about 5% probability, so he opened an insurance company, the premium rate of 10% of the total value of merchant ships. His booming insurance business together soon. Although it is known as shipowners navigation profits are high, but the risk is also great, once the boat will go bankrupt. And if you buy the kind of insurance, once shipwrecked on the claim the insurance money, if not sinking, and he only 10% earn less profit. ???5 years later, some 100 merchant ships the boss finds out that he did a very foolish thing - 5 years he gave himself a year to buy the insurance of all merchant ships. His foolish is that a person he has 100 merchant ships, each year the number of wrecks (shipwrecks dangerous condition of the probability of about 5%) are between 4-6 ships, and now spend each year buying insurance is 10 ship money, buy insurance do not buy insurance even more than the expenditure of 6-4 boats too! In fact, this is because the owners of merchant ships have been enough, and he has enough to own their own insurance. ??