This is because they don't understand the use methods and rules of credit cards, but just take it for granted. Once you find that it is different from what you think, you will scold the bank. In fact, the use of credit cards is very common and standardized all over the world. Basically, every situation has very specific regulations, and it will be very convenient to use credit cards according to the regulations. There are also some people who get credit cards, thinking that they can do whatever they want and spend unlimited. As we all know, credit cards only lend you money first, and you have to pay it back afterwards! Not to give you money! It's not a charity. Specifically, you can learn the rules of using credit cards first. If you don't know how to call customer service first, don't wait for something to happen before asking!
The "lottery shady" mentioned in "Old Guan Liang World" was hit in the face by yourself?
It is reported that Lao Liang recently exposed the lottery "shady" in his talk show "Old Guanliang World", involving several issues such as "whether the double ticket is in line with common sense" and "the time interval to stop selling lottery tickets". After the program was released, he was criticized by color friends for a period of time, pointing out that Lao Liang did not understand lottery tickets, and both sides had supporters and quarreled.
Soon, some color friends pointed out that the "Mask Award" mentioned in Liang Hongda's program was seriously inaccurate, so what is the real situation?
Let's go back to that program.
Lao Liang said in the original words of the program: "The people who won the China Double Color Ball Award all wore masks, and no one knows the details. This is in line with China people's habit of keeping wealth secret. After knowing it, someone played a trick on him and separated his wife. However, the British and American lottery prizes are even higher than ours. People are willing to accept prizes publicly, which is actually mandatory, because everyone who buys lottery tickets has the right to know. "
Financial quotient is a person's ability to handle money? Don't say that.
What is financial quotient?
Financial quotient is wealth IQ.
Financial quotient is a person's ability to handle money.
Financial quotient is a person's ability to identify wealth, manage wealth and create wealth.
Financial quotient is wealth literacy.
What exactly is financial quotient? Generally speaking, how to understand?
The series of books on poor dad and rich dad brought the concept of financial quotient to China, and all the explanations were American. How to use it for me and how to interpret it correctly in a Chinese way are the answers that all financial and business educators have been trying to find since 17.
As a financial and business enthusiast who has read rich dad's book for 4 years, I personally think that the content of financial and business is different in different growth periods.
For young children, financial quotient is to know the currency commonly used in China and the world, understand the source and production mode of currency, understand that currency is a tool of exchange, and initially understand the basic functions of currency. At this time, what children need to build is the basic functional knowledge of money.
For teenagers, financial quotient is the correct management and planning of pocket money. Know how to use money correctly, save money, and use simple Qian Shengqian (simple financial tools, such as Yu 'ebao, WeChat wallet, accounting software, Licaitong, Baidu wallet, digging for money, etc. ), and a part of pocket money is reasonably used for savings, so as to achieve greater goals. Understand the role of savings in meeting future needs, such as giving carefully selected small gifts for elders' birthdays, preparing a gift for teachers on the occasion of Teachers' Day, and using pocket money savings when you particularly want a big item, instead of spending it all. The initial understanding of teenagers' financial quotient is a sense of sharing, delayed satisfaction, planning and saving.
Now, primary school students also tend to keep up with the joneses. For example, if the car is not a luxury car, children will ask their parents to park it far away from school. A student has 10 yuan, and B student wants to borrow this 10 yuan for three days and pay 1 yuan interest. This behavior also involves credit establishment and risk awareness that only adults would have involved before. Children's credit is not only manifested in classmates, but also in family relationships. For example, a child may see that his classmate has a pair of cool running shoes, and he really wants to have them, but he clearly knows that his parents' income level and consumption concept will disapprove, so he may take them from his parents' wallets privately, or cheat their parents of their money, or get money through other channels. They are the scope of financial quotient, the establishment of personal credit and the initial formation of risk awareness and financial quotient literacy.
What's more, the primary school students rewarded the network anchor with 50,000 yuan, which was saved bit by bit by the parents who worked hard as cleaners. This involves the concept of money, and the child has no idea what this 50 thousand means. Therefore, at the age of 6 or 7, when children are most suitable for financial and business enlightenment education, we should instill in children the existence of various occupations in society and how they make money. For example, selling a steamed stuffed bun may earn 50 cents, and 10 steamed stuffed bun costs 5 yuan. The 50,000 yuan said that we would sell 65,438+10,000 steamed buns. How long will we sell these 65,438+10,000 steamed buns? Or my father is a locksmith, and opening a lock may earn 30 yuan, excluding the transportation and telephone charges to the customer's home. How many locks does it take to open that 50 thousand yuan? How long will it take to complete it? This is the formation of the concept of financial quotient, not only about money, but also about time. Time is also a kind of wealth. For children in different periods, the concept of "a lot of money" is also different. Kindergarten children think that 100 yuan is a huge sum of money, while primary school children may think that 1000 yuan is rich, and children's cognition is limited to how much money they can buy.
Therefore, the financial quotient of teenagers first involves the concept of goals, what goals to achieve, what resources to have, how to plan for achieving goals, and the most important thing is to implement actions for the plan. In this period, teenagers need to establish awareness of resources, planning, saving, investment and delayed satisfaction, and personal credit and financial literacy are also taking shape.
For college students, financial quotient begins to involve more values.
How to ensure the balance of living expenses every month, and not run out at the beginning of the month? How to ensure the balance of living expenses without campus loans and credit cards? How to balance the psychological gap between wearing Smith Barney and others wearing Adinik? How to balance work and study? How to balance love and study? Should we study better or start a business earlier? What is the real business? Live broadcast, Taobao brushing, wholesale commodity stalls, several people running clothing stores or restaurants in partnership next to the school. What are the real businesses?
After college students become adults, they have basically formed their own values, and the re-formation of values will be affected unless they experience particularly important events in the later period. What are the values? Values are how to choose when faced with choices. College life is the first stop to completely break away from parents and enter the society. After entering the university, no matter how big or small, you need to make your own decisions. The advantage of making your own decisions is that you feel very independent and are surprised by this growth. At the same time, you have to bear all the good and bad results of your decision.
The recently exposed campus loan borrows money from Platform A, and the people on Platform A will advise you to open Platform B to borrow money to repay the loan of Platform A, so that there will be platforms C, D, E and F, and then the loan of 1 0,000 yuan will become several thousand yuan or even ten thousand yuan. At this time, we should not judge who is wrong, but find the problem. The problem is that college students do not attach importance to personal credit and have no correct view of risk.
What's more, I didn't know how to repay the student loan one year after graduation, which led me to become a bank black account when I applied for mortgage and car loan, or to help the salesman complete the so-called task and open a credit card. Although I didn't spend money, my personal credit was affected by not paying the annual fee.
At this time, the financial quotient that children need to establish is planning consciousness, competition consciousness, innovation consciousness, personal credit and risk consciousness.
For social people, it includes financial investment ability, business opportunity discovery, family financial planning and all the financial quotient needed before becoming a social person, but at this stage, financial quotient is more of a literacy.
You just got paid, your wallet was stolen, and you have to pay off the mortgage, car loan, raising children and various living expenses. What's your reaction at this time? Is there more and more swearing in friends? I'm still trying to remember how I lost my money. Can I get it back? Or are you already trying to make up the fixed car loan and mortgage first? Still thinking, I must find a way to make more money to make up for it? Your thinking is your financial quotient. At this time, financial quotient is your accomplishment. Of course, the financial quotient of social people lies in your ability to find business opportunities. At this time, people's awareness of sharing, innovation and all the financial and business awareness that needs to be cultivated before are fully brought into play.
2
I have read a short story before.
It is said that people in a village have difficulty drinking water, and the villagers have to go far away to get water. The village chief called the villagers and said that he would contract out this business and let the villagers eat the water in their own village every day. Two people contracted the business. One of them bought a carriage and several vats, and then went to fetch water from a distant place every day and brought it back to the village. The other man disappeared. What did he do? He went to the investors and the construction team. A year and a half later, the distant water gurgled out of the pipe built by this man. As a result, the first person earned money for this year and a half and lost his job, while the second person enjoyed passive income. This is the financial and business thinking.
Financial quotient will have different explanations from different dimensions. It only refers to personal awareness of business opportunities discovery, and financial quotient is also reflected in family education.
Lao Liang's story will tell such a story
When Buffett was 6 years old, his grandfather asked him to do housework. After he finished, Buffett went to ask his grandfather for money. Grandpa only gave him a penny. Buffett was very angry and said, "How can I get such a little money after working for so long?" Grandpa Buffett said, "You didn't tell me about the reward before you did it." (negotiating ability)
That's probably the meaning of this story. Therefore, Buffett began to receive family financial education when he was very young. At the age of six, he began to save 30 yuan money every month. 13 years old, he had 3000 yuan and bought his first stock.
There is also a super classic financial joke.
A child asked his father, "Is our family rich?"
His father replied, "I have money, but you don't." I earned my money by my own efforts, and you can also get money through labor in the future. "
Another child asked his father, "Dad, is our family rich?"
Dad answered him, "There is a lot of money in our family, which will be yours in the future."
The first child will get the following information after listening to his father:
His father is rich, but his money belongs to his father;
Dad's money is hard earned;
If I want to have money, I must get it through labor and hard work.
The second child listened to his father's words and got the message:
My father is a rich man, and our family has plenty of money;
My dad's money is my money;
I already have a lot of money without effort!
The first father's answer can help a child establish a correct outlook on wealth and life, and make him a self-reliant doer, while the second father's answer can only make the child a weak "neet".
Therefore, financial quotient is a continuous formation of values.
The scope of financial quotient is very wide, and this paper is limited to discussing the definition of financial quotient. Due to the limitation of study time, my cognitive height also has certain limitations. I hope that your financial and business predecessors will give you more advice.
Children's financial quotient training program
3 years old: Know paper money and coins.
4 years old: Learn to buy simple things with money, such as brushes, bubble gum and snacks.
5 years old: Understand that money is the reward of labor, and exchange money and goods correctly.
6 years old: I can count a lot of money, start to learn to save money, and cultivate the consciousness of "I have money".
7 years old: can read the price tag of goods, compare with your own money, and confirm your purchasing power.
8 years old: Know how to open a bank account and save money, and try to earn pocket money by yourself, such as selling old newspapers to get paid.
9 years old: able to make a simple weekly expenditure plan and know how to compare prices when shopping.
10 years old: I know to save a little money every week and use it when I have a lot of expenses. For example, buy skates, scooters and the like.
1 1 year-old: Learn to evaluate commercial advertisements, find cheap and good products from them, and have the concept of discounts.
12 years old: try to invest in stocks and bonds and earn money by doing business.
13 years old-15 years old: you can try some safe investment tools and services and know how to budget, save and make initial investment;
16 years old-17 years old: learn some basic macroeconomic knowledge, learn to pay attention to global market information, and understand the relationship between simple financial instruments.
The same is true of credit cards. Why are some people getting poorer and poorer and some people getting richer?
Who can get richer and richer? The credit card is yours. If you use it, there will be a credit card fee, followed by a credit card fee. Third, there will always be times when you can't pay by installment, so interest will come, which is high interest rate! Fourth, you haven't paid yet. You broke your promise.
A credit card is a hole, you know? Don't believe me, listen to a festival where Lao Liang talks about things. Listen to what he says.
For example, if someone takes the dragon slaying road, they will only be hunted everywhere; Some people kill dragons, but they can command the world.
The knife is always the same knife, but the people who hold it are very different.
The same is true of credit cards. If you are good at using credit cards, credit cards are even more powerful for you; If you can only eat, drink and be merry by credit card, credit card is a bone-sucking poison.
In my opinion, people who are good at using credit cards often have two very obvious characteristics.
First, there are ways to make money. A very useful thing about credit cards is that you can use the funds within the credit card limit for free for up to 52 days. If you are a commodity trader, or have other business with an account period of less than 52 days, swiping a credit card can let you have this part of the money. The more you swipe your card, the higher your credit card limit will be. The tallest person I have ever met, the limit is 2 million. And when you have 2 million funds available at any time, the chances of making money are not generally large.
The second is strict self-discipline. Credit cards are toxic and very addictive. In my opinion, some people can do better because they are constantly mending their own shortcomings and making up for their own shortcomings, and then accumulating their own strength with accumulated efforts. People who lack self-discipline, love leisure and hate work are like a bamboo basket full of holes, and no matter how much water they draw, they are just empty.
What's more, credit cards will further encourage people's desires, make people brush and brush uncontrollably, and eventually become slaves of desires. When you look back again, you suddenly find out how you owe so much debt. !
So although the credit card is good, it depends on whether you have the ability to control it.
You don't manage money, and money ignores you.
I landed on 20 19. Finally, I don't have to live on credit cards. I came into contact with the credit card on 20 10, and I lived on it after contact. Most of the reason is that money is not enough to control your hands. Buy whatever you want. No plans.
I have at most four cards in my hand. * * * The credit line is about 300,000 yuan. Left hand to right hand, robbing Peter to pay Paul. I really don't know where the money went. As I grew older, I realized that I really couldn't go on like this.
Just observe the people around you who also live on credit cards. People have used credit cards to make money, save money and roll wool. All the money in Cary is set for investing in small loans, and the money has long been earned. Use a credit card to swipe the discounted goods and sell them. Credit card points for bank gifts. In short, the use of credit cards has been maximized.
Later, I also invested in small loans, and in one year, the money in my credit card can be saved. Later, when I had a little balance in my hand, I gradually sold several credit cards. Don't invest in small loans now, it's too stormy. I need to use it now. I can use my credit card, but I won't use cash and my balance. Your money earns interest on wealth management products. Although it is not much, no one gives 1 minute for nothing. Only by taking care of your wealth in a planned way can wealth appreciate.
Do you want to borrow money between good friends? Lao Liang tells you this perfect solution.
Do you want to borrow money between good friends? Lao Liang tells you this perfect solution.
No matter how good the sophistry is, you must ask him when he will return it. You can give him a reassurance, and it is more appropriate to ask for money, so you won't feel embarrassed.
If he will pay back the money, but if you care about the money, and you have always cared about it since you lent it to him, then don't borrow it, which means that this kind of thing binds yourself after borrowing money, and whether his relationship with you is good or not is good for him. There are unexplained rational reasons, don't do your best for a friend.
If he may not pay you back, don't borrow money. A gentleman does not stand under a dangerous wall. Tang's monk has been caught by goblins for countless times, but he still wants to save the woman who is hanging from a tree and may be transformed by goblins, but we are not Tang's monk.
Maybe you will worry about whether the relationship will get worse because you don't lend him money this time. You can consider whether it is necessary for him to borrow money from you. If you have, borrow it, and then think about whether he will borrow it if you have no money one day. The story of Confucius borrowing an umbrella tells us that if he is your friend, he should not borrow money from you.
Saving the poor is the truth, and those who violate it will cry at last.
What do you think of borrowing money, borrowing it or not?
Would it be best not to borrow it?
People nowadays borrow money from their grandfathers and collect money from their grandsons.
It is easier to lend than to take back.
But it depends on someone. If others are really in trouble, or if the borrower has a particularly good personality, they can still lend a helping hand.
Brothers, how can you take a loan if you can't borrow money?
The loan amount through China Merchants Bank is small (less than 50,000 yuan). If you are already a user of China Merchants Bank and downloaded the mobile banking APP of China Merchants Bank, you can try to apply through this interface by logging in to mobile banking and clicking My-All-Loan-I want a loan. If you meet the credit card requirements of China Merchants Bank, you can try to apply for a credit card.
The loan amount is more than 50,000 yuan. If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank outlets. Due to the different requirements and application materials of each loan project, the current loan purposes are: car purchase, parking, decoration, education, bulk consumption shopping, tourism and other legitimate personal or family consumption; And the use of business turnover. You can call 95555 at 8:30- 18:00 to enter the manual service and provide the loan purpose and city for detailed information. Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.
People who haven't contacted for a long time and are not very familiar with each other come to borrow money. Do you want to borrow it or not?
Hello! If the loan is inappropriate, it is likely that the meat buns will beat the dog and there will be no return. Thanks for reading!
Do couples borrow money or not?
Borrow it, or we can't communicate in the future. Of course, I'm not saying I have to borrow it. Let's see what he wants. In addition, I suggest that you prepare Dr. Worry-Free's 1 timing reagent, which can detect whether you are pregnant 24 hours after sex, so that you can make preparations early afterwards and you should get married. Welcome to adopt. If you have any questions, please contact me.
Your best friend wants to borrow your car. Do you want to borrow it?
This situation is understandable if it is occasional. If you can help, try to help. But choose the right way according to the other party's state.
It is always prudent to give it to the other party, and this situation should be helped. If Mao Mao is usually manic, you should think about it.
A few months' loan is the best deal. Let me tell you something.
Generally, it is borrowed for one month, and the actual use time is 50 days. The rate is 1.5%. The annualized interest rate is 1 1%, which is cheaper than other months. . .
Old Liang with an iron mouth tells you whether you should have a second child.
In fact, whether you want to have a second child or not, you don't need to listen to what "iron mouth old beam" says.
Whether it is necessary to have a second child depends on both husband and wife's understanding of the concept of fertility and their willingness to have children if policy conditions permit.
For a family, giving birth to a child is naturally a big event. As a rational couple, we should seriously consider the family situation and face up to the current situation before giving birth to a second child, including family economy, age conditions, marital feelings, working conditions, marital health, parenting environment and so on. Only by considering the above situation clearly, and then making a choice between having children and not having children, is this the "right way". What did you say?/Sorry?
I hope my answer can help you.
Cousin, cousin borrows money, whether to lend or not?
If money does not affect feelings, my cousin is not bad. Excuse me. If it's money you can't afford easily, don't take it. If my cousin is not good, just give some money. It is better to offend a gentleman than a villain.
Do you want to borrow the glory of the king's number or not?
The glory of the king buys a new hero ranking, and can score points. Heroes with low proficiency will match some teammates who can play, regardless of the winning rate. And the enemy will not be particularly fierce. Because the system won't let you play dead 1.2 hero. Games need to be diversified. I hope everyone can be familiar with many positions and heroes. So the game can be played, and the most important thing is that they can make money, you know.
Lao Liang talked about how the credit card was hacked and it ended here. I wonder if you have found the information you need?