How to choose a way of mortgage repayment

Different banks have different mortgage products, mortgage women with emphasis on their repayment options and interest rates both ways, according to mortgage their monthly income of women, roughly divided into fixed and not fixed in two different cases, 5 types of mortgage repayment methods available for women to choose: for months, respectively (the matching principal and interest, equal the principal), bi-weekly for repayment free (according to bi-monthly, quarterly), a grace period of repayment, equal increments.
1. Matching principal and interest repayment on the Law
Fixed income and future income is expected to be steady growth in the mortgage women the option of equal monthly principal and interest on the repayment method, the fixed monthly payment for mortgage woman of the month the income and expenditure of reasonable scheduling, reasonable financial so that the future of the financial situation of the family at a glance; matching principal and interest repayment on the merits of the law are: the early repayment of the principal amount of more equal, but the latter can alleviate pressure and reduce the mortgage interest, as time goes by, more to the end section more easily, matching on repayment of principal and interest law can be handled by major banks.
2. Equal principal repayment method
Equal benefits principal repayment method is to facilitate the mortgage loan in advance of women, if the mortgage loan to buy a house in the early women are prepared to bring forward on loan, then the way the use of equal principal repayment will save a lot of interest, more cost-effective. Matching method using the principal repayment mortgage will not only ease the pressure on a woman, but also can be used to invest surplus funds of other products and create more wealth. If it is paid or the income of women a wide range of mortgages, it is recommended to repay the principal amount of the preferred method of matching, even if the simple interest on loans from the point of view, matching the principal repayment method is clearly superior to the matching principal and interest repayment method.
3. Fortnight for
For fixed-income and higher mortgage women who choose to bi-weekly payments for a more appropriate way, bi-weekly repayment for the benefits of the way to save time and interest, but the repayment of the corresponding pressure, because for quite Fortnight year 13 months to repay monthly.
4. Repayments free grace period to pay the debt, equal increments
If the initial income of less lending, but is expected to increase in future earnings, to choose the repayment method occur in equal increments. As for the fixed-income women home buyers, it is recommended that the free exercise of choice of repayment, equal increments, a grace period of repayment of these three methods.

How to let children learn to financial management from an early age

First, children from the primary stage of training with their own savings account. For him to open an account in the bank to require a greater expenditure of money from their accounts, so that the child will begin to pay attention to their own wealth. More can be used as initial accounting financial records, how much money is spent in the entertainment, to buy food and so on, grow up naturally different from the concept of consumption.

Second, when the children will do the arithmetic, the wish to let him train in the life of the case management concept. For example, from Tianjin to Beijing, may also choose to drive a train. However, 2 individuals, 3 or 4 individuals with personal travel, which one of the most cost-effective? Thinking exercises at the same time, have to pay tolls to drive and the car depreciation and maintenance, train relatively fast, comfortable, but may not be free and so convenient. This will allow the establishment of a child from a young age structure of a similar problem analysis and design of a comprehensive and systematic practice of the financial plan.

Third, when the 11,12-year-old children when their own pocket money can be used to make regularly scheduled investment fund. So that they begin to "investment" and preliminary understanding of the investment to stimulate their interest.

Fourth, when children go to university, the focus on training the scientific concept of financial management. Let the children know, what their future costs to be paid, such as study abroad, get married buy a house, and even old-age pension and other retirement. With these objectives, however, is bound to a different level of understanding.

Fifth. combat exercises. Can give a child money, let him be in the actual operation of the most valuable experience. In addition, adult children can participate in their own home real estate investment in Central Africa, such as how to select the properties for sale, arrange a bank loan to complete the transaction procedures, and monthly family income and expenditure and the value of real estate available. If at this stage to build up a wealth of experience, then no matter what the future work of the children will have the financial concept of future growth will certainly be helpful.

Details to help you select the top five banking financial products

1. A clear understanding of product types
At present, banks are often divided into financial products that guarantee income and non-guaranteed income, but also divided into fixed-income and floating-type income. To ensure the income of the bank financial products, for example, since the risk of small, it is also relatively low yield, the key currency and bond. In general, the initial purchase of the proposed bank financial products, customers can take into account the bank management to ensure that product income or fixed-income products.

2. To see the product investment
This is to understand the investment bank's financial products linked to the object. Among them, the varieties of these investments, including exchange rates, interest rates, gold, the Trust projects. At different times, under different market conditions will have different options, which requires investors to judge their own.

3. A clear liquid product
Investors to invest in the selection of varieties, the first time to use the funds have a clear estimate. Of individual investors, the bank's deadline for financial products in general should not be too long, it is proposed that investors seriously consider the issue of mobility, for example, in the purchase of financial products the bank enjoys the right of early redemption. Mobility will not only to investors in the bank a loss of financial products and timely opportunity to stop, and products in the banking financial market investors will be able to shoot up when cash receipts for the security pocket.

4. To see the proceeds of key words
In determining the personal risk tolerance and level of bank risk management products, investors should clearly understand the expected return. It is worth noting that the expected return must not be wrong when the actual income, expected income is the bank that, under normal market gains, and the banks have obligations to guarantee payment. Some banks it is the expected return in order to look good, their bank statement on financial products that will keep the renewal of the entire product of the total receipts to write. For example, a 5-year bank financial products 50% yield, its yield was about 10%, investors in the selection of financial products that banks pay more attention to "expected return" or "rate of return was" like key words.

5. Careful comparison yields
Members of the public financial management in the bank to buy products, how often will face the similar period in different products, select high-yield financial products. Wang Jin-finance experts said that investors in the purchase of bank financial products, as long as their attention to the calculation of yield to be the solution to this problem.
To an annualized yield of 6% and a 15-month yield to maturity of 7% of the banking financial products as an example, the proceeds from the absolute point of view of the bank 15 months yield financial products, but by calculating the real return at a glance: a product after the 15-month rate of return into an annualized yield of just 5.6%, revenue lower than the previous product.

Working population of the four best financial management program

This is a pioneering era, the boss would like to start their own businesses more and more people, including many white-collar workers. Encountered problems: time, limited financial resources, lack of experience, thinking, is that almost all the office workers would like their own businesses will be problems. To solve these problems, our proposal is: to take targeted measures.

Program One: do not want to take any risks for which business would like to taste the taste of the working example, may wish to try a part-time.

Program Two: Making the Most of the accumulation of work in public resources and the establishment of personal connections.

Program Three: Choose the right partner to conduct business.

Program Four: find a good project.

Eight weapons shop operators

1. Conform to shop shopping
The shop, the shop is good or bad choices, you directly affect the future results of operations. So shop, the basic consideration is to be based on your type of trade, as well as the principle of selection of a suitable business location and shopping district. At the same time due to some objective reasons, may also be before the district for a certain industry, and now does not necessarily fit, and then the owner would have to consider a career change or as soon as possible, shop for.
2. Suitable for the target consumer groups
Shop before shopping for your customers select the age, income, sex, occupation, such as detailed market research, and then set up the basis of these findings and design principles of operation of the shop. For example, you open a women's clothing store, target customers may be housewives, career women may be, or it may be avant-garde girl style is certainly different from the shop.
3. To carry out effective publicity
Some shop owners, it sits there all day, such as door-to-door business, which is referred to as the "shopkeeper." In modern society, this awareness is very dangerous. We need to strengthen consumer advocacy, the desire among consumers to buy. Especially in the main street of shops, in the design must be attractive.
4. Storefront designed less around the
Environment and atmosphere of the shop is very important, and directly related to the consumer the impression of your shop is related to the operating results of your shop. Therefore, in design, it must be based on the characteristics of their products and target consumer groups, the design features. Special attention should be paid one-channel design, not to have too much room around, so that customers can inadvertently visited all goods. Where there is access, it is necessary to adopt an original approach to the design of things to attract customers, and favorable adverse change. In addition, the display of goods or the future of design, not to let the customer have a feeling there is an obstacle.
5. Effective display of goods
Display of goods is very crucial at a glance if customers can easily select, purchase convenient, virtually will promote sales. Therefore, display of goods to be properly classified, orderly arrangements and to facilitate the consumers to easily find the products you want.
6. To increase the customer shopping experience
No longer be satisfied with today's customers want to buy only the goods and they want to bring to enjoy the fun. Therefore, in the design of the shop, apart from considering their own format, size and customer class, factors such as product display, a service attitude, color and lighting should pay attention to decoration.
7. Focus on the sale of the efficiency of
Shops designed to take into account the efficiency of the promotion of the sale. From the reception to the consumer packaged goods, such as money collected, must give staff have the appropriate space to facilitate these movements can be rapid and effective manner. In addition, the goods must be complementary and the institutionalization of inventory.
8. Variability of decoration to
Most shops are almost all very solid construction, such as when the need for reform is very difficult. So shop equipment or structure designed to minimize changes in the election timely, high variability of the materials or design.

The key individual entrepreneurship

In the creation of enterprises, the growth is a necessary process. If the excessive pursuit of growth rate, the same spoil things by excessive enthusiasm. In fact, business is like a marathon, not to see who now run fast, but at the crucial moment to see who can go to other people in front. The start-up process, when the enterprises gradually highlighted, the entrepreneur can not be expanded scale of operation, and should pay attention to and properly handle the capital budget, market forecast, as well as materials, personnel coordination and other related elements of management. If these issues did not fully prepared, high-speed growth can only be a huge risk.

Many entrepreneurs in the choice of "partners" when the total favorite in a familiar "circle" where to find. Because of their known and understood, often in the early pioneering work with the feelings of the neglect of the necessary contracts signed and bound by a strict system. Thus, with the growth of enterprises, the working relationship between the contradictions and problems caused by gradually emerged, not only is not conducive to enterprise development, and sometimes even lead into bankruptcy.

Lot of money to invest a little money can be turned into

"The Fund will be voted" business is also called "fixed purchase" is prevailing in the international banking　a similar mode of financial management of the Fund, is a the same time interval and the same amount of a fund purchase products in a fiscally responsible manner.

Fund will be voted the greatest advantage is that the average cost of the investment. Use of the Fund will be voted, as a result of the purchase amount and the purchase of time are fixed, so when the fund net higher when fewer share buy; net decline in the fund when the share to buy a few more, that is automatically raised by a temper, to raise the investment bargain. The long run, the monthly low-cost, diversified investment and risk can be shared.

And so it goes, in equal shares the cost of the investment under the premise of long-term compounding effect of time out will highlight not only the safety of funds with more security, but usually do not care for the little money in the long term after the accumulation of a "big" .

For example, even if only in the fund every month for business investment will be 300 yuan, if the vote proceeds fund the future of the average rate of 5%, 5 years after the investment, investors, the total amount of funds available to reach 20,427 yuan. Even if it does not consider the extension to reduce the cost of investment factors, the actual rate of return on investment will reach 13%.

It should be noted that, "the Fund will be voted" the best equity fund selection or allocation of funds, bond funds or money market funds, the main varieties of this type of investment is to obtain fixed-income, diluted the role of risk is not so obvious. And in the choice of equity funds or allocation of funds for fixed investment, the investor must be the performance of the Fund a comprehensive measurement and analysis, choice of excellent past performance, with strong brand power products.

Three suggestions of female domestic management

At present, women in the family faced financial challenges and more choices for how to do a good job in family financial planning, with a number of financial management principles, to provide three financial management recommendations:

First of all, do a good analysis of assets and expenditure. On the current assets of their own family situation, the balance of payments have a clear understanding, on this basis, develop a good habit of recording, analysis of the composition of household expenditure, which is necessary to consumption, consumption of which is blind to understand the flow of funds of their own family, and then in their daily lives to ensure that the necessary consumption, and reduce unnecessary spending.

Secondly, choose their own investments. Investment channels are now more than ever before, but most women tend to prefer investment herd, if you want to invest in some kind of financial products, first of all is to understand its risks, and then according to their own financial situation and ability to choose to bear their own financial management products. Wealth growth, to ensure that the risk of your controllable range.

Finally, do a good job in all phases of family financial planning. Children's education planning, preparation and so on their own old-age pension is the most important families in financial management, financial management in the family, the advance planning, only fiscal management has clear goals, the family will be possible to achieve the dream.

Ten habit of let you will "lost money"

Savings to reduce your bottom line on your waistline, as bold as easy - it needs only to develop bad habits, and continually to commit the same error.

The majority of the people think of ways to reduce the amount of savings may be only all the money spent. However, some more "advanced" approach may make those who are most self-disciplined people who are financially responsible for those who lost most of their wealth.

10 the following will reduce your savings, the first three are the most frequently occur, and after seven more complicated is the "lost money" approach.

1. To spend too much money
2. Do not save money
3. The credit card as an emergency fund database
4. Try to become rich immediately
5. To buy high-priced, low-priced to sell
6. As soon as possible to exhaust your pension
7. To pay excessive fees
8. Is not insurance, or malpractice insurance
9. So that taxes become unable to control
10. I believe you have heard, read and see all the things

Family financial management to be both offensive and defensive strategies

Learning flexible investment

In general, because of the investment risk to be even voted more than 18 years of age to purchase (if the insured and the insurer is the same person, aged not more than 60 years of age). Winner of the election to buy customers according to their financial goals and risk tolerance to choose a one-time investment in a portfolio of accounts or more accounts in the personal financial goals and risk tolerance change, customers will have the flexibility to assets in the accounts between conversion, without having to bear the cost of any conversion, no restrictions on the transfer of the number.

Cautious on the market expected future customers would like to spread the risks, you can choose to DCA function - the transfer of functions automatically on a regular basis, and then regular monthly amount specified by the customer to the risk-benefit Moses Choi higher level of growth in the transfer of accounts. Regularly scheduled to vote this way can minimize investment risk, but also to seize the investment opportunities in the market.

Risk tolerance for a stronger long-term bullish on the market and customers, can after a one-time investment for additional investment. Customers can also choose a more cautious additional monthly or annual additional investment. 

In addition to flexible investment approach, the Skandia Life is also fully take into account customer demand for capital in the insurance contract after the entry into force of the first three policy years, customers in each policy year are part of a free opportunity to receive. From the insurance contract after the entry into force of the fourth policy year, customers can receive investment account the value of the account. In order to encourage their clients to long-term investment, the purchase of the election winners have the opportunity to customers in the fifth and the tenth policy year policy year special pay huge payment.

Concerned about the protection of family assets

Family financial management to investors, the most easily overlooked is to ensure this, this is also related products for the financial advantage of one of the largest - family members can take into account the accident and health protection. If the winner of the election, including the protection of the deceased, and the first five years of free insurance policies. The insured died after the entry into force in the contract, will receive the value of their investment accounts of the death of 105% premium. Policy since the sixth year, the policyholder can choose whether to purchase the security, can also be purchased in accordance with the needs of their additional risk.

What are the people who buy a house suitable for rent

The premise of the text to be: buy a house, rental housing options are the two consumer behavior, but both have their own characteristics, both investment buyers, and renters has a very low capital requirements, so savings can be used in other investment and could therefore be in accordance with their needs, to conduct tailor-made.
Under what circumstances can buy a house? The best conditions under which the rent? It is in fact an issue of choice. The impact of choice by many factors, such as getting married soon, or their children to school and so on, these factors will encourage people to purchase choices. Economic capacity if somewhat lacking in direction or have other investments, renting a matter of fact, there is no inappropriate.
The following specific cases we have to combine to buy a house, renting a full range of PK. Of course, we choose the case and exhausted all the people can not type, can only choose the most typical situation, the other with different circumstances, amendments may be a little pigeon-holing.
With the characteristics of the rental home
Buy a house and renting of the different, the investment element of a larger home, need to shoulder a greater financial cost; and will live rent free, but the extent of funds more flexible.
Hunan Xiangtan left is the Chinese people, hard work in Shanghai for nearly 5 years later, decided to bid farewell to tenants living in Zhabei District, a well-known plate living thousands of miles to buy a set of community-based two rooms. In solving the housing problem of its own at the same time, he admits that the idea of investing there. He said: "If one day I would like to return to Hunan to leave Shanghai, and also dished out to the house, how much there is still a bit of profit."
In fact, people who think like this have more than one person is left to the Chinese. Property as real estate, in addition to the main value has to live, but also both the investment function, as long as it exists, its value will exist, and the long term, real estate prices around the same pace as socio-economic development.
But to buy a house need to take the corresponding financial costs, in addition to the first payment, the monthly income needed to take part in the return of bank mortgage loans, which need to be to ensure the financial strength. So buy a house for example, need to be carefully planned in advance and not sloppy, or let themselves fall into a passive position, for example, buy a house after a sharp decline in the quality of life, when the "slave room."
Although the home is our tradition, but also more and more tenants accepted by the people. This reporter has learned that there is such a pair of newcomers, both the people of Shanghai, is a company of white-collar, the wife is a doctor, but the marriage did not take the two to buy a house, in their view, vote earned in other areas of profits are also an option.
On the other hand, more flexible lease of life to want to rent your favorite place and the current rent level is not high, compared to light some of the burden to buy a house. Such as Lu, Luwan District, Shanghai is located on the road to Datong garden, a total of 2.2 million yuan two rooms, three down payment required to buy into it to be 660,000 yuan, and the monthly repayment amount nearly 7500 yuan (equal to repay principal and interest law, 30-year), if rented it, only 5,000 can be "fixed up."
Of course, the ability to have the buyers do not buy the people, they have the courage to jump out of a fixed mode of thinking, they are often able to find a better investment channels, from the financial point of view, this also has a rational side.