If you have time to do something beneficial to you not as smart personal financial matters, one day, a month will greatly improve your wealth position.
If you are still a lot of leisure time than work, then it may use it for point of personal wealth favorable smart things, especially in the capital market is neither rising, it is difficult to drop, the experts argue a endless time, the company at this time investors who do not bother to worry about all day staring at the market trend, they do not go to the experts on the data furiously days. It is now a good time to do a day a month stick with it, your wealth situation will certainly be greatly changed.
01 calibrate your investment philosophy
If you have already started to invest in, and experienced a bull market, bear market and bear market is not without cattle, it is a winter ridge of luck, because capital markets These changes also had. At this time, investors have the opportunity to calibrate your own investment philosophy, if by an investment cycle of observation, found it in passing with reality, and it should be a change in thinking to consider the issue. Perhaps the investment environment in the real world, and no single theory which completely for you, that just as Michael Archer said, to see how others do, but do not learn them.
02
started to invest in the market is neither up nor down when most of the investors when trying to enter the market. 80% of investors want to know the balance of income not received is not primarily to get good opportunities in the market up, they think the market has been high enough to wait until it fell off the reinvestment, but the market really fell down, they began to laugh, people who enter the market is stupid, thank God did not do their own investment decisions. So now, it should be an opportunity, do not hesitate to start trying to invest it.
03 investment to meet new idol idol
fact, have some indicative market, when people say, process; When people say At times, however this case the so-called bottom of the market was fast approaching. Investment market is an area of polytheism, because the investment in terms of such a thing is no one right full potential, investors should be aware of some new idol. This is like do not always use a brand of toothpaste, and so easy to poisoning.
04
order change account the change if the integration of your account, can have unexpected positive findings, this is my voice of experience. The aim of this integration has two aspects, first is that scattered in your purse in the drawer and debit cards and books, many of these funds have been scattered hateful banks charge a small fee debit account the light, but some very valuable, but you forget. This happened to me before, I wrote a column editor called me, said to have been hit my account the fees charged, and writing a column is already 3 years ago, I found that the earlier cards , he the nerve to say so I invited him to dinner! All in all, about the integration of scattered accounts, do not have to donate freely to change banks - although I have been optimistic about this one reason why bank shares - integration, you will find good profits. The second situation is that most people will have some huge change accounts, such as the Fund's dividend account, health insurance accounts have housing provident fund accounts, these accounts of funds inside a huge but only to the holder to bring a small deposit of zero income, you I could have used the money invested, or put it altogether is not a good investment to spend it, spend money to buy happiness than the money consumed in much stronger inflation.
05 to see if it implements the investment program
investors should have an investment plan, not to say the word, as students of English as the back, money In fact, more like investment discipline investment projects, it can remind the people in emotional situations should hold of yourself. Because as we said before, when the adrenaline burst of passion, people will act like a runaway horse. Even with this investment plan or investment discipline, emotional control, investors probably can only increase the controllability of 10%, but this is better than no good.
06
good book should find a good book on investment point of view. Book a worthwhile investment, the investment will make you a good start, many investors have not come to his life more scientific path of investment, because investment in the first contact when looking less like a book . If your English is good enough, there will be some advantages, because China's domestic investment banking to follow overseas, mostly books, but not like these books to our air conditioning and color TV, which follow very bad.
07 to find a good magazine
this suggestion in my previous column in the mentioned financial management, to make fruitful our investment, listen to what kind of financial point of view is very important, and a good financial management of the magazine is a good search tool for this view. To be honest, in many cases, China's domestic investment banking levels are quite enough books to choke, and if you are not familiar with English, read a magazine can also open your own horizons, such as selecting the moment you are reading this one.
08 checks the level of
your credit should be given leave to your credit rating a little time to clear your loan situation, in order to do a good job for the next loan, at any rate we increasing need for the bank. In examining each bank loan, he will determine the borrower's credit situation, and determine the standard is mainly based on personal credit reports. Credit reports for individuals will become increasingly important. If the company's past payment records are not their own special attention, often due non-payment, the credit report will be displayed, after the banks are unlikely to give your loan. Such as housing loans, I have a friend is to make money, because He is always on, so I always forget to also bank loans, the last bank sued him after asking him to promise never Zaichi court the loan. To avoid this situation, the best way is to make a payment linked accounts and deposit accounts, not to his several bank loans, so also from the paragraph to be very troublesome.
09 to open a shop in Taobao
If you have a good supply of it, may wish to open a shop in Taobao. Theoretically, if you think that tax is not a good idea to shop on Taobao it is to allow expansion of the overall value of community, which benefit the whole community. This can increase your cash flow properly, and may be very interesting.
10
do not forget health investment in the busy, remember to make a physical examination, to know to stay healthy is the best financial management. If financial management is a discipline for the purpose of happiness, then the loss of health, financial investment will have no meaning. If it is not pseudo-science-based, then a portion of the money invested to their own body is one of the smartest investment.
11
consolidation credit card accounts to less than credit card off. Basically no use too much credit card will only make your cash management has become a mess, and credit cards are not opened are also likely to pay an annual fee. If you already have a bad credit record, do not immediately put the card must be pulled, because if so, you will always remain poor record in the card-issuing bank. The correct approach is also complete section, and then use a long period of time, this time is generally two years and during this period to use this credit card number, time and time again to please the bank, may eliminate your bad record.
12 money managers looking for your chat
periodic financial manager you can find chat, be friendly to them, they will provide you with better banking services, it is very cheap and do not tip. Do not fear your bank first financial manager, they will not sell insurance as endless as your phone, because the bank's credibility and strong, they do not need such a powerful marketing can sell their products. And conversations with managers of bank customers will get a lot better handle on the way of assets. If you turn, you give your financial manager called, he was very impatient but it also shows you to your main account placed less emphasis on personal business, a bank. The bank is likely to mainly corporate clients, individual business persons engaged in the business is simply that the relatively poor quality of some people, and if so you can consider for a bank, will enjoy a good service.
13 to find enough cheap stocks market is still slowly creeping
, you have enough time to look at the complicated annual reports, may find the stock price is low enough, this may be your In the boom phase is difficult to settle down to the optional. In short, stock prices are cheap enough good investment in one of the most important feature.
14 growth stocks to do exercises
find the most growth of the industry, and then find out the most growth in the business, its investments. Of course, to determine which industry is the most growth in itself is a very difficult thing, but in this break period, with the theory he learned about stock selection, and do not have much money to invest is also a very interesting. Of course, the possibility of high-yield investments are not large, so do not take all bet to treasure.
15 occasionally be a little speculative earn pocket money
should not give the market some small opportunities may arise in the market is cattle, those who carry almost not worth the small chance mentioned, but in the present circumstances, very bright spot these small opportunities. If your confidence is strong enough, and he likes to take little risk in which you can earn a little money. This includes, closed-end funds discount is too low, there are good companies with emergencies. But remember only earn a little money, not addictive, not to enlarge positions.
16 training valuable hobby
a valuable and interesting hobby, you will look good fortune changed, the value of love is that it will not cost you much money, but it is possible to make money, and it is not a problem in the law. If you invest a little thought to find, these preferences must exist.
17
cleaning your room, the room to a clean-up, which not only healthy, but will certainly find a lot of unexpected things to help you and your change.
18 issues outlined
you look at your pension for retirees but also for many years, and then calculate what you need later life, so you can calculate your financial goals What, in the end of life from your ideal how much money is even worse, because the calculations take inflation into, such as the annual depreciation of your cash at 3%, such as when you retire will be a huge sum of money needed. In any case, the calculation of this gap, the general will bring no small psychological pressure.
19 to overcome the psychological barriers, to find out the insurance
Insurance somewhat unpleasant, but if you can overcome the psychological barriers to book insurance for a description on the pillow, probably only one week, can become a This not only allows you to colleagues before capital rhetoric, but also buy insurance at a more leisurely.
20 looking for a good product
fixed income market in less than ideal environment to find a good fixed income products is an important thing. In China, things a little bit special, because not yet fully market-oriented, but could not get through and overseas markets, but still there will be some fixed-income risk is small, the situation is relatively good income.
21 value-added work to find ways to improve your
Foxconn many companies people are sympathetic to the workers, I mean that several suicide, because a lot of things can not because it is not happiness quit. One important reason for this side, it may be too low added value of your work, if carefully compare, the added value of your work and your boss, the gap between, then find ways to improve what it is, it makes you The full cash flow improvement.
22 to build a better fitness program
no matter how many times it has been developed, and again, perhaps this will be successful. Get rid of unhealthy habits, in particular, to spend money. Basically, is always a good habit to save money, money is always bad habits, so get rid of bad habits not only beneficial to health, but also conducive to personal finance.
23 who have more money to see a comparison
who have more money, take a look at their own level of wealth in a acquaintance in what position. Wealth is the most objective scale, it can mark a period of time how do you like in the end. But as the same investment to long-term investment, do not compare the results for the short term too angry.
24 Make your personal balance sheet
This lets you know how much money you in the end, or you owe the bank in the end how much money to fight afterwards into an interesting job.
25 to see if there is no way to increase cash flow
although in many cases, this is too difficult, but such thinking would help you integrate the resources look more organic, even if Can not find a better way, but also know what you are still missing.
26 statistical yourself stupid things
This helps avoid your whole life into a silly, if you can, take a look foolish is a very interesting record of a memory .
27 occasionally be a pipe dream to get rich
sitting on the toilet when you can do some dream of getting rich, which is conducive to defecation, but also to mental health, but to ensure press toilet pump switch when your dreams will wake up.
28 for the love of your people to buy a gift
Family Harmony, if you really can do this, will reduce the wealth of many
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