Wednesday, May 4, 2011
Nationwide financial times wealth management care become tragic protagonist
version: sitting in a wheelchair a few banknotes
“ I and her husband to achieve financial freedom, several real estate. Because I do not care of yourself when you're young and healthy, for many years become ill because of overwork, is in poor health. Achieve financial freedom, a large part of the income used to pay the medical expenses, only few notes in the wheelchair. &Amp;rdquo;
Taikang life insurance experts said Pan Manhong Hunan branch, this “ youth health for wealth, wealth in old age for health ” is not isolated. Even reached financial freedom gains. Except weekdays outside attention to balance and health at work, what do investors have? She thinks zhongji wealth insurance, hospitalization insurance is an effective way to avoid being swallowed by medical, health and wealth so as to realize the success of financing tools.
version II: younger generation to spend no money
“ although I and my husband to achieve financial freedom, but his son and our relationship is bad, because we put mind in all these years on how to make money, ignoring his son on the growth of education, nurse one ' s hatred eventually die. &Amp;rdquo;
if neglected their children's education, it may lead to “ A maiden with many wooers often chooses the worst, rich in three generations ” end. Xinhua life insurance in Hunan branch insurance experts say parents except through the investment of the Fund, children's such as insurance for their children Education Fund accumulated, providing better educational environment for children, also fostering children's financial literacy. Child accounting, planning, work-study and other lucky money uses, is a good way.
version three: financial landing does not end up empty
“ I and her husband has not achieve financial freedom, although the word we call life. Because we focused only on the money in hand, instead of focusing on personal growth. Couple thrift to old, reluctant to spend money to enjoy, finally became a financial freedom. &Amp;rdquo;
just frugally, not ability to pay attention to personal and career planning, learn to self-investment, employment and income will come to a halt, financial freedom is still a distant dream. May wish to refer to civilian financing up to “ financial ” approach: even if the monthly income of only $ 2000, not only to eat healthily, also taking into account the learning, travel and make friends. He shared his experience in financial management, planning funds subject to reasonable purposes, there is need for increased investment in learning to strengthen confidence, increase investment in the future to increase income.
user zhizhao “ rookie ” financial
even achieve financial freedom, but there are still areas such as health, children's education, eating a wide range of issues such as old. Visible people on uncertain future is full of sense.
how financial management, variable “ Cup with ” “ wash ”? Reporters found, ready to exchange experience financial management provides good recommendations: first, is available online for bookkeeping, clear income and expenditure of families go, also learn other family's lifestyle and second, to open online banking, and build up a credit card. Can save electricity and water to the post office queue, more investment in the future to facilitate financial management. Credit card with interest-free period to increase cash flow, easy for investment or other areas. In addition, repayments on time can also accumulate personal credit; third, can purchase focus on protection insurance, dispersed due to accident, sickness, disability and other risks. (Xiao Juan)
Diamond price tidal surge hit labor day and marry costs will increase
diamond prices into the sky
80 Lam and his girlfriend Miss Li fell after one year, intends to wine in October this year. These two days, Mr Lin is worried about a sweet thing —— buy a diamond ring. &Amp;ldquo; wife of diamond rings always want to buy in the future a little better, but recently the international diamond prices much, and the expected future gains more if prices are too high are a bit too much. &Amp;rdquo; some of Mr Lin tangled, is more effective the earlier the buy now? Is selected in the local domestic at Amoy Gardens, is also simply fly to Hong Kong to buy?
call very high diamond prices not only affected people's emotions, also in Hangzhou xinfu crowd stirred up ripples. Has been good at financing investments of “ small diamonds Bachelor ” axin said, he met a group of friends of growing demand for diamonds, especially like to buy more than 3 carats of raw diamonds, mainly between two functions: first investment, second handed down.
now, riding on a roller coaster of diamond prices will bring affect to the diamond market in Hangzhou? Hangzhou people's preferences for how diamonds? Young couple to be married this year, getting married costs will increase?
according to the information provided by the trade show, started in January last year to December, diamond prices stable, all the way up, Carat Diamond average gains of up to 15% per cent, in particular the 3 carats of diamonds per cent greater.
February 17 this year, within a short span of one month, diamond prices are high speed goes up, 30, 50 minutes, 1 carat, 3 Carat nude drill with different rates of growth. Among them, 1 Carat Diamond growth the fastest, reaching 8%, followed by 3-Carat Diamond, 6% per cent addition is 50 drill, 5% per cent; and one of the slowest growing 30 min drilling, only 2%. From the perspective of overall situation, Carat Diamond this year up to 30% per cent over the same period last year or so.
stock, and cut mill cost improve
diamond price constantly rose
membership global diamond authority De
Beers group of Diamond brand Forevermark eternal imprint China area PR Director Wang Hao said, diamond stock price price has is does not race of facts, to he get of message view, this year January began so far, 20 min above of diamond stock price, rose range in result, 50 min or 1 carats diamond stock, gains is in 30%.
Wang Hao analysis, diamond stock price main is by market supply and demand decided: while, as world economic warmer, global on luxury of demand more Mong Kok, led on diamond of demand increased; on the, international market precious metals, for example gold, and silver, price continued higher, and also as rare resources, has investment hedge potential of diamond price is long-term was underestimated, this also led has this year diamond of price rose.
jewellery industry also pointed out that, in addition to the yield is scarce, contradictions between supply and demand, diamond cutting costs of this two years one of the causes of global diamond prices suddenly flies soar.
it is learned that in November last year, the world's largest diamond cutting State of India on Diwali (India new year) for about 20 days of holiday, and starts with Diwali, Surat rough cutting market area of the world's leading mass strikes erupted, delays in the negotiations between trade unions and employers agreed. Lack of operating rate, a direct result from November 2010 to February 2011, the global shortage of finished diamonds.
mankalong jewelry related personnel said “ not only is insufficient supply of rough diamonds, as well as the cost of market determined rally, cutting costs in part on promoting the rise of prices. &Amp;rdquo;
Hangzhou major counter has not adjusting
“ old prices ” can be purchased in advance
reporters learned from many department stores, and jewelry brands in Hangzhou, diamond price trend is inevitable, diamond market in Hangzhou, but so far has not implemented price adjustment, the brand counters on the diamond is in a wave of purchases of old prices.
on Monday at noon, the tide of Acer in Wulin yintai stores (002345, market information, the major trading) counters, one is the selection of Miss nude drill Tang. Her eyes on a 1 Carat h shop, beautiful, drill, at $ 69,688. Tide Acer counter sales Miss LAU said Tang Xiaojie fancy that diamonds are a reduced price, is participating in the shop limited promotional activities, also participate in the activities of the other 5 us drill, 4 have been customer picks go, selling very pretty.
“ diamonds have been price, the next time you come, purity, quality and size of diamond almost, certainly not the price. &Amp;rdquo; Miss LAU recalled.
“ the next batch of retail prices will certainly rise, but prices were stable on the existing counter, will not be raised, we also have Board, Just raised is not allowed. &Amp;rdquo; hundred largest gold jewellery business in Hangzhou said Xie Haiping, Director, “ there is a small part of the Condition are particularly good diamond, because of its scarcity, prices over time may make separate adjustments, the adjustment range is very small, representing only 3% per cent of the total. &Amp;rdquo;
Swire counter salesperson told reporters of the Royal family: “ diamond is going to go up, vendor prices, we will certainly rise. Rose not only nude drill, additional diamond products are rising. &Amp;rdquo; prices as regards the specific time, the sales staff has not received notice that she suggested reporters: “ diamond has been the price to buy it, certainly is the most cost-effective bought earlier. &Amp;rdquo;
flagship store manager Zhang Dongmei, Hangzhou, China Gold said: “ some time ago to see news that diamonds rise from Shenzhen Stock price increases, but we now have not received a notification of price rising in the shop, current prices are not adjusted. &Amp;rdquo;
in addition, Chow Tai Fook, Chow sang sang, tide Acer, the ancient name of counter sales personnel are given a similar answer, and said the existing counter diamonds are old prices, what the original price, what price now.
in many industries, rising prices are likely to lead to decline in sales, but this reporter learned that, in the diamond industry, due to the scarcity of resources, coupled with the drilling and rising prices in recent years, not only has not affected sales, but has a catalytic role. Mankalong jewelry, TESIRO psychic related personnel have expressed, there are consumer's arrival galvanized, driving in 51 before price, buying diamonds, falling bags for safe. Some of the rigid consumer demand is getting married, on the understanding that the information of price rising, fearing that diamonds continues to price and purchase a diamond ring in advance. While some consumers buy Carat Diamond for hedging, value-added considerations.
50-small diamond has little effect on the following
married young couple can mere human beings we die
the price from the rough diamonds to the retail Terminal how long? According to industry is expected, after diamond raw material cost increases this year May focus on the retail side, 51 before and after are likely to meet with a massive diamond prices surge, the wave of massive price surges or will continue until the end.
public relations Director of eternal mark in China said Wang Hao: “ from wholesale to retail, General 1-2 of months time. In fact, already has outlets now began to increase, is expected to mass before and after the fare increase should be 51. As regards the rate of increase, of course, does not and rough diamond has the same fare. Because originally the retailer's profit margins are different, so different digestive ability of rising raw material prices are expected to average around 15% per cent. &Amp;rdquo;
hundred largest gold jewellery business in Hangzhou said Xie Haiping, Director, now get the message, some vendors have pledged to prices, and vendors get the purchase price has risen, large customers rose about 7%, small customers rose about 15%. Jeweler inventory from the previous quarter at the moment have not sold out, combined with the March or April is the diamond sales season, jewellery businesses commonly used discounts and other promotions, dragging down the overall price of the current. However, over time, nude drill the price sooner or later be reflected in the retail market. Estimate real price surges in ‘ 51 ’ appears before and after.
in April or May of each year is wedding season, diamond prices surge, will impact new wedding costs?
Xie Haiping believes that for the average newcomer, diamond prices little impact on the overall cost of marriage. &Amp;ldquo; new people buy diamond ring has a Lead of marriage, if the newcomer was married in April or May in March or April, most of them have bought diamond rings, at that time was the old price. If it is to get married in June of newcomers, costs may be subject to certain effects of marriage, especially the option to purchase large diamond ring wedding, gains are larger. &Amp;rdquo; Xie Haiping said, “ if you are ready to purchase less than 50 small diamond ring, little impact, such as one of the five thousand or six thousand dollars ' worth of diamond rings, rising prices are generally also qualified (side brand about 95 percent, Nakajima brand discount below), discount then count down than before the price difference of one hundred or two hundred Yuan. ”
Long term buy financial products are not plainly, the better
more recently, new lower income, many investors to shift stocks of money to buy financial products, bank financing products being crazy pursuit in time, many anticipated higher-yielding products have been robbed and empty, starting at the risk of financial products be diluted. Recently, banking Bureau issued a notice, requirements specification product sales process, for financial consumers can clearly consumption, neglected the purchase details, investors should pay close attention to avoid being &ldquo financial products; injured a back &rdquo.
risk assessment report don't do looks
regardless of is in online purchase financial products also is in counter purchase products, sales Qian, Bank will prompted you need for risk assessment, although these select questions appears to some boring, even a bit Pediatrics, but you must don't go motions, casually is zoned check, also is should seriously fill in, once you of assessment conclusions prompted you purchase this paragraph products has risk Shi, you on should carefully consider is to purchase the products, own is has bear this class risk of economic ability and psychological endurance.
many investors feel that each subject of the risk assessment are more or less, he had previously bought products are profitable, so evaluation is just a mere formality, each product appears to be the same, but their risk level there is a big difference, sometimes differs from the risk of the same product is large, so investors are also should be true and complete. Necessary to remind the user counter to buy financial products, due to the hot products, wait staff, and suggest that you don't buy in a hurry, obtained from the Manager first risk assessment during the queue to avoid to counter, and then continue to wait.
financial products may not be capital preservation
many middle and old aged investors purchase financial products most value of is expected years of income rate, currently Bank 180 days financial products of years of income rate are in 4% to 5% Zhijian, however some products expected years of income rate up to 7% above, really let people heart, but members in purchase these products Shi, probably rarely was will concern these financial products of funds what into what party. Many people may think that this is the need to design products for banking professionals, he does not need to know. In fact, the direction of financial investment of the funds, to some extent determines the risk coefficient of the product.
many financial managers may tell you, financial investment of the funds that you do not know, at this point you should be more careful. The saying goes, not to invest in their unfamiliar territory, so as not to make a blunder. Once the investment direction of financial managers tell you can't understand, must be vigilant at this time, do not sit, best to professional curiosity to know immediately, so as to avoid being taken in, not all products are guaranteed a profit, higher expected annualised yields of products, the potential risk is greater, especially trust products, more prudent choice.
financial products is not more long more good
financial manager to investors describes financial products Shi, General will recommended customer buy period more long of products, and also will explained said this paragraph products of expected years of income rate is is high of, recently issued of products inside one, if you buy short-term products may future due Hou, on cannot buy to high income rate of products has, many investors lest missed has these high income rate products, so quickly buy Xia say.
in fact, not so, in the interest rate cycle, accompanied by Central Bank again and again raise interest rates, expected annualised yields of bank financial products rises, once after expiration of short-term product, might just in time for a new round of interest rate hikes might have been able to get a higher-yielding products. And bank financing products are emerging, so you don't have to worry about the embarrassment of yourself in rich no products to buy. And the Bank now expected annualised yields of one-day financial products is constantly improving, so even after expiration of short-term financing products, you can also choose one-day excessive financial products.
Finance Division whether the interest rate channel should early repayment
asked: I is institutions work of one 26 years female, income situation following: months wage 2,300 yuan around (deduction Provident Fund 740 Yuan, other pension, and unemployment gold, and medical expenses, hand 1000 Yuan around), months bonus hand 2,300 yuan around, year-end award hand 16,800 Yuan around, usually holiday overtime or Festival welfare a years hand 3,000 yuan around, Bank regularly deposits 30,000 yuan, demand 10,000 yuan. Expenditure: serious illness insurance + bonus insurance + insurance year around 8,000 yuan apiece (payment by parents and dividends), a set of 141 square metres of housing, mortgage month for around $ 2,500, there are 29 years (parents subsidized $ 1000 + per month on my housing Provident Fund $ 1480 almost exactly). Current plan: 1. mortgage interest rates rising, or prepayment? loans that is matching the principal and interest. 2. If you do not repay bank deposits exists, or is there better and stable investment? there is no contact with and shares of the Fund.
a: Judging from the customer's assets and liabilities, customers are about actual salary plus bonus income about $ 3,300 per month, annual revenue of about $ 60,000, month spending among mortgage this has been borne by the parents, the rest should only have their daily expenses, pressure. Consider to currently inflation pressure larger, recommendations customer temporarily first not ahead of repayment, existing of regularly and demand, can consider some Bank of short-term financial products, comparison sound, expected income also than with grade regularly high; while, to meet temporary funds demand, recommendations prepared 3-6 months expenditures amount of demand savings; for monthly of balances, recommendations customer can consider Fund will cast, monthly regularly inputs 500 Yuan around, effective assessed contributions thin cost of while can get excess of income.
