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.