Lesson: say money is worthless, how can I do?
Not worth the money
First, why should I finance
a second, what are the financial errors
About "money is worthless," this topic, we start talking about a simple thing:
I believe that many small partners have eaten old popsicles, right? Especially for 80, 90 later said the old Popsicle is absolutely indispensable childhood memories. Today, many manufacturers are playing this nostalgic card, a dollar can buy an old popsicles.
But then, I am sure you still remember the days of old popsicles to eat, so how can there be a dollar Guia? General will be able to buy one of two cents.
If we will through time and space, put a dollar in his hand to a child, that he will be able to buy a one-time five old popsicles, walking with the wind.
Also is a dollar, then can buy five, now only buy one of the. That's a lot of people often lament, money is worthless.
inflation
"Money is worthless," There is a technical term in economics, called "inflation", refers to the continued rise in prices, although we hand the same money, but year after year will be lower purchasing power.
The same money, you can buy the Audi yesterday, only buy Alto today, tomorrow can buy a pack of Oreo's pretty good.
With respect to inflation, it should be the most obvious of the real estate market.
We often hear such things happening around, Joe Smith earned that year his father at a sum hardly worth the effort, had to buy two suites is not a problem, but is not willing to buy clutching the money, take the money out the results now, only enough to buy a toilet a.
Such a person is to eat a burned inflation.
"Inflation" is usually very friendly to three types of people:
the first group, the pressure in the money under the pillow of people.
Money came out in three layers, outer layer, clawed through layer after layer. These people are invested in fighting white white, even in the bank to get some interest not to do it.
Their money at home for many years will not rise, but prices have been rising, only to watch their money is eaten by inflation.
The second group, put money in the bank people.
These people's consciousness a little higher, knowing that the money in the bank is not only interest, but also safe.
But they have not figured regularly in the bank's interest will generally of around 2%, while the inflation rate is how much? The average inflation rate in nearly 20 years of around 5%.
This is like a man standing on the truck race, people ran forward two meters, five meters truck back down, felt in advance, in fact, the truck was dragged back.
Put money in the bank, or run inflation does not win, still have to watch their money is eaten by inflation.
The so-called safe in the bank, in fact, simply not safe, warm boiled frog, little by little invisible eroded away your wealth.
The third category of people, live on a fixed income people.
This is what we often say that the death of wages. Age has been rising, wages have never gone up, or is the same as the snail climbing a tree, only a year rose a Diudiu. The same wages, it can feel to spend, low purchasing power year after year.
In another case, although wages rose, but the rise of that money just enough to buy two buns stick to your teeth, or simply run, but inflation. Nominally pay rise, in fact, the days have borne Baba, not as good as before.
If one day your work has been replaced by young, only this income also retain his job.
Investment outperform inflation
Since inflation is so terrible, so we have to how to overthrow the little monster it?
There is a very simple way, just play reverse thinking, to avoid the practice of the above three types of people on it, that is to say: do not put the house there is money, do not put all the money in the bank, not to rely on a fixed income.
How specific this operation, we have to learn the answers to these two words: investment.
Investment can help us beat inflation. We have just said, the average inflation rate over the years is about 5%, then the rate of return on investment as long as we have more than 5% on it.
Like the balance of treasure such a product, the yield is generally around 3%, is bound to be running not win.
And investment funds, stocks, as long as we learn through the system, yield more than 5%, it hardly matters.
For example, fund investment, long-term adherence, it can yield even higher 15%.
This is the benefit of investment, not only can help us beat inflation this little monster, not worth the money to get rid of anxiety, but also to increase our income, we earn more money.
Since the investment is so important, then we start it now! Investments in the world thousands and thousands of codes can be put together in a circle around the earth, for a white consequently do not understand the investment, the first investment of a point up what is good?
He started from the investment
we have a saying, the investment is not to die, chaotic investment is to court death. I hope you remember the iron rule, do not understand something, do not touch.
No knowledge of the brain, run ahead, and what Mangfu, Mangfu consequences is often the cannon fodder.
To invest on this matter, many people forget this simple truth, they will not analysis and valuation, in a hurry to buy a variety of fund shares, are basically losing money last life.
Do not understand do not touch, first learn and then operate, it is the right investment posture.
But then, starting today, dear students, in fact, has been one of the most worthwhile investments investments, that is their own.
Warren Buffett has a classic "car" analogy:
"Imagine, if you have a car, and it is this life you only way to have a car, then you will naturally have it great care, you will be more frequent refueling and more carefully drive, and so on. " "
now think about you in this life is only a body, a brain, you'll take better care of them. you can over time to improve their level of thinking. a person's primary asset is yourself. "
so, we want to own as investments, as the process of learning is an investment, and slowly add value self. This will be a most valuable investment.
In the next lesson, we will learn, money begets money in the end is how it works, how to set up their own income system, how to make more investment capital brought, how investment funds, stocks and other investment products.
In short, full of knowledge, it is worth the wait. First stop in the open investment tour, starting with their own investment started!
Knock blackboard draw focus
Let's sum up this lesson knowledge points:
1, inflation, that is, prices continued to rise, money is worthless, the purchasing power of money has declined. Inflation for three people very friendly, namely, people who put the money at home, people put money in the bank, as well as people who live on fixed incomes.
2, investments can help us to outperform inflation, but also to increase our income.
3, do not understand, do not touch, first learn reinvested.
4, the most valuable investment is investment in yourself, so that self-enhancement.
Lesson 2: Nanzhuan money, buy the insurance Freeze
Social Security: limited protection
Today, we had a fire for the first movie, called "I'm not the god of medicine."
A plot inside an old lady in front of police Cao Bin, said:
"I was sick for three years, 40,000 bottles of genuine medicine, I eat for three years, the house was not eating, I was eating family collapse . Whose not a patient, you can ensure that life is not sick? I do not want to die, I want to live. "
from this passage, just heartache ill-strapped situation after the old lady's family and a thirst for life, and more more a pity that she felt she had become a burden on families with children, but do nothing.
One might wonder, basically we do not have social security it? Drugs reimbursed on it, why would the wives and children to eat life miserable.
To answer this question, ah, we must first know what the social security yes.
Social security, social insurance is short.
In the vast majority of people working in the enterprise will pay five insurance payments, to pay part of the unit, and then pay a portion of the individual, of which "five insurance", that is, we often say that social security.
"Five risks" are: pension insurance, medical insurance, industrial injury insurance, unemployment insurance and maternity insurance.
In particular the pension and health insurance, we are in contact with a very high frequency.
Because no matter what people most need to be guaranteed is: a sense of security, medical services.
Pension is older security, health insurance is protection against disease.
So, ah, many people think that since the social security will be able to give me a guarantee, that lie directly win it.
If you think so too naive.
This movie astronomical medicine名叫格列宁, in reality, is called Gleevec, it is much later been included in health insurance.
So far, a lot of cure for major diseases, fewer side effects imported drugs, health care is still not reimbursed. Really can be reimbursed medicines, known drugs accounted for only 1.4 per cent in the directory.
So, health insurance can play a very limited role.
That old-age insurance does, in fact, the role is very limited, if after N years of inflation, to rely on old-age insurance guarantee our standard of living with some difficulty.
Principles of social security is to cover as many people, so many people want to cover, then the level of protection is not necessarily high, or who can not bear the huge cost.
So we have to realize that as soon as possible, only the most basic social security guarantees, although essential, but very limited role. In addition to Social Security, we also need to configure their own part of the business of insurance.
Business Insurance: supplement social security deficiencies
Speaking of commercial insurance does, many small partners the impression that it is actually not very good.
One reason is that, in the eighties and nineties, the insurance industry is just emerging in China, some irresponsible insurance salesman, sales to do anything, always bragged own insurance products.
Results when an accident occurs, the original promise was not fulfilled, it will lead you heard that someone was selling insurance, naturally a bit inconsistent, I began to think that commercial insurance is not credible.
There is a reason that the commercial insurance policy ah, a provision of a written very fine, very complicated. After the accident when they do, it becomes this can not guarantee that there is no guarantee.
In fact, these are the chaos caused by industry, commercial insurance is not wrong itself.
As long as we learn to configure commercial insurance, you can easily avoid them buy insurance minefield.
Commercial insurance mainly include two categories: life insurance and property insurance.
Life insurance it, Paul is human life or health, property insurance it, insurance is property and related interests.
Today, we mainly talk about, and we live closer personal insurance.
Life insurance is divided into four categories: accident insurance, critical illness insurance, medical insurance and life insurance. Among them, critical illness insurance and medical insurance belong to the same health insurance.
Accident insurance, as the name suggests is to ensure accident caused death or disability. Note ah, yes accident, if death or disability due to illness, accident insurance is that not a penny of compensation.
Accident strictly defined, must be external, sudden, unintentional and non-disease, which has a four conditions do not meet, it is not lose.
Critical illness insurance, critical illness brought compensate economic losses. In general, when the diagnosis of disease and in accordance with the terms of the insurance, the insurance company will be paid directly to the insured amount.
But then, critical illness insurance protection only severe illness, if students of other diseases, critical illness insurance may appoint no use. This time, we need medical insurance friends.
Medical insurance, claims that medical expenses, as long as the payment is in line with the standard, can be reimbursed in accordance with the insurance policy.
The biggest difference between medical insurance and critical illness insurance, the medical insurance is a type of reimbursement, how much to spend much reported, reimbursement will not exceed the actual expenses. Critical illness insurance is a direct payment of.
The last one is life insurance, claims that the man's death. Whatever the cause of death, as long as the dead on the claims.
However, some exceptions to the case of suicide, some people take things too hard in order to avoid the potentially fraudulent use it to commit suicide, suicidal behavior is usually two years after buy life insurance claims will be.
Here to remind little friends remember a word, the role of insurance is not to reduce the risk, but the transfer of risk to avoid huge economic losses to the family after the accident.
For example, Wang bought critical illness insurance, this does not reduce the risk of Pharaoh sick, but with this insurance, once Pharaoh had a bad illness, do not worry for the treatment and bankrupt.
Avoid misunderstanding insurance
In the last lesson, we talk about three errors configuration of commercial insurance:
The first misunderstanding: Focus on the elderly and children more than economic pillars.
A family, most people who are insured should configure it? Then we have to see who, if gone, will make the biggest loss for the entire family.
Loss on here that the loss is not emotional, but economic losses. Because we have just said, the role of insurance is to transfer risk, to avoid causing huge economic losses to the family after the accident.
From this point of view, it breadwinner of a family is gone, the greatest impact on the economic situation of the whole family, serious, and even affect the daily expenses of the entire family.
So, most of the insurance should be configured, it is the economic pillar of the family, rather than the elderly and children. First the allocation of adequate insurance of adults, children and the elderly consider insurance.
The second myth: Focus on product than demand.
Many friends are doing insurance planning, the first thing to consider is what to buy insurance products, others feel good spade what is good, what the market will follow suit and fire insurance products to buy ...... these are actually wrong.
We buy insurance to buy is guaranteed. According liabilities should first family, the future of family spending their children's education expenses, the family must live on, and to quantify the responsibility borne by each breadwinner, to select the most suitable for home insurance products.
Now many families will buy a house just to be general liabilities are hundreds of thousands or even millions, but to the policy pillars of the family was only 10-20 million and this is not the purpose of our buy insurance, once really out What is it, this is the sum insured can not provide adequate protection to the family.
Third Myth: do not do financial analysis.
In the end how to buy insurance it, this time, we may need a financial planner, they give us a more accurate analysis.
Prior to the analysis, we need to tell them your true financial condition.
Many small partners think, income is the privacy of individuals, should not casually tell others, especially those inexperienced, income is not high little friends, but also ashamed to analyze their own family's financial situation.
But if you do not provide them, according to how they understand your needs, personalized insurance planning it?
It's like we go to the hospital, the doctor certainly understand your illness in the future, we can prescribe the right medicine -
So, when financial planner precise analysis of needs, daring to tell them your household debt, the daily expenditure must be and how many liquid assets how spouses income and other issues of financial aspects of it.
Knock it focused on the blackboard draw
Below we briefly summarize:
first, five insurance payments in the "five insurance" is what we often say that social security, including: pension insurance, medical insurance, industrial injury insurance, unemployment insurance and maternity insurance.
Second, only the most basic social security protection, in addition, we also need to configure their own part of the business of insurance. Business Insurance divided into two insurance: life insurance and property insurance.
Third, the insurance does not reduce the risk, but the risk can be transferred, reducing the economic losses caused by the accident.
Fourth, the insurance configuration should give priority to the family breadwinner.
Fifth, buy insurance, to give priority to the needs and see what protection they need, come back to pick the right product.
Sixth, buy insurance, financial analysis and no less, to disclose their actual financial status, professional insurance can give you accurate configuration recommendations.
Finally, a reminder small partners, there are many insurance-related knowledge.
For example, you know that every insurance premiums are how to pay it? Do you know how to configure their own insurance coverage appropriate? You know how you see the insurance policy? Do you know how to distinguish a good and bad insurance products do?
So we are going to spend money for themselves or their families to purchase an insurance policy of students, but also deep learning step, have more practical knowledge of insurance.
Lesson 3: stock, most people's court death, a few people waiting to die
First, we work together to recall a concept previously talked about inflation.
We already know, put the money at home, bank deposit or get the dead are not run to win wage inflation. How can we avoid their money being eaten by inflation, the answer is an investment.
Speaking of investment, there is a public always not open around, escape the topic of - stock.
Misconceptions of stock
There are a lot of people will think, just buy stocks to buy lottery tickets almost right, up or Change, touch things that are in luck. Red and green, if not color blind will be able to play.
Precisely because of this, although there are a lot of people in stocks, but he is losing money on the more profitable and less.
In addition, you might have heard the word: The stock market risk, the investment need to be cautious.
It comes to risk, a lot of people began timid, and want their money more secure as possible, with the risk of such an investment to buy stocks it, simply do not touch, or else lost money, and my heart certainly can not afford.
Either full of the kind of thinking to do to ensure that the investment does not lose money, not the best but also a little easier brainer, you may.
These are two very common misconception, it is also very simple to explain:
lose money on the stock market, less money, and this is right, but to buy stocks is not luck so Low.
The reason why so many people lose money, because these people into the investment misunderstanding: I did not learn to get started operation, but also impatient eat hot tofu.
In addition to these obsessed people want to make money, there is no systematic study of over-stock of knowledge, but also do not understand the logic behind the money stock.
Buy what others had to say, what they buy, see stock prices fall, and little heart can not stand, quickly scared to throw, it was natural to lose money.
Such as stock prices have gone up, and followed the rush to buy, the result is chase sell, the stock market became a harvest leeks.
So many people lose money, not because they are bad luck, but because they do not systematically learn. The important thing again, do not know the first thing do not touch, we must first learn reinvested.
The second misconception it, from those who are risk-averse. The thought of investing in stocks at risk, flew on the stock lost hope.
They believe that investment is more secure as possible, it is best able to hand in case of income-generating livelihoods do not take risks.
We think, if there is such a good thing under the sun, then who do not want to dry ah, as long as the people on earth, we should have a collective achieve financial freedom.
Risks and benefits is always a pair of twin brothers, the higher the risk in general, investments, and higher earnings.
On the other hand is the same, the higher a person's income, the greater the risk that he assumes.
We invest money, in fact, is our commitment to a compensation for risk.
Some say it simply do not invest, do not buy the stock, do not take risks, it is not my money safe?
We all learned in inflation, if not to invest, or invest only what similar balance treasure this low-risk or no-risk, money is very limited, inflation is sure to be slowly eaten.
In the face of inflation, not to invest not only unsafe, but also is the biggest insecurity.
Just to sum up the idea of these two errors, the former belong to the chaos investment, the latter does not belong to investment. Chaos investment is to court death, do not invest in it, it is to die.
Next we come to know what stock is this thing in the end, investing in stocks is sort of earned money.
What is the stock in the end
We move out the next Pharaoh, give a popular example:
the Pharaoh recently wanted to start their own businesses, to open a restaurant. For example, we have this restaurant is Shaxian snack bar.
Wang carefully figured, Sha County snacks need to open a 10 million dollars, but then, he was bursting at the seams day only to come up with 80,000, and the remaining 20,000 of it, he was ready to go next door to Cuihua.
Old Wang Cuihua say:
Cuihua ah, you do not panic, this time I have not come looking for you to borrow money, but to keep up with you to open this Sha County snacks. I'm out of 80,000, 20,000 out of you on the line.
You do not have to go to work to the store, but then, you have to risk my shop.
If I store it to make money, we'll earn points, points I most probably, you divided into two; the store if I lose it, you have to bear this loss with me, I assume most probably, you bear two percent.
Cuihua thought, this person usually work steadily Pharaoh, or people trust, so we have a $ 2 thousand dollars. Pharaoh Shaxian snack bar will officially open for business.
This example is the prototype of stock investment.
Cuihua invested 20,000 yuan, equivalent to hold 20% stake in the store, she Shaxian snack bar is ownership.
Pharaoh, that is, the transfer of ownership of a portion of the store, so in exchange for money.
The nature of the stock is that the company come up with part ownership in exchange for funds for follow-up business development.
If you buy Mengniu shares, you pay the equivalent of a little change of ownership Mengniu, Mengniu long as the money, you will score a little.
If you buy Alibaba shares, you pay the equivalent of a little change of ownership of Alibaba, Alibaba long as the money, you will score a little.
These companies give you money too, called dividends.
Therefore, the stock is not a bunch of virtual numbers, nor are those red and green lines on the screen, behind it, is a real family company.
Next, we come to talk about, investing in stocks is sort of earned money.
Way to make money investing in stocks
We have just said, a way to make money, that is the company's dividend.
The company more money, the more you score. This will have a way to make money when the stock has just appeared.
Stock it developed later, there was a new way to make money, and that is to buy low and sell high, make the difference.
Pharaoh and we take Cuihua here as example:
Pharaoh and Cuihua Shaxian snack bar more prosperous, many people looked jealous, I want shares.
Near a rich woman called Malan Flower, the initiative to come to come to Cuihua, she said: Cuihua ah, I want to spend 20 million to buy shares in your hand, you look okay?
Cuihua forget about these shares in his hand, the time to buy is 20,000 dollars, is now selling 200,000 dollars, tenfold na, so she decided to accept Malan Flower, selling shares hand.
In this example, Cuihua do is actually buy low and sell high, make the difference.
Some students will say: "I know all the truth, that in the end how to get dividends, how to buy low and sell high then there are so many companies on the planet, how do I know which company to buy shares in order to make money? ? "
Ah ...... This is a question worth pondering. China's stock market alone, there are thousands of stocks. Why did you choose just one stock dedication it?
You can choose a one-time stock forty-five thousand six hundred seventy-eight, even twenty, if one had an accident and turned over, it does not matter, the rest are still good, after all, is our concern earnings.
How can elect to make money from stocks into thousands of stocks? How to make money with a stable scientific method? Learn stock market valuation, risk diversification, to master the stock investment strategy, build your own optimal combination, to develop the most suitable for their own stock investment program.
Knock blackboard draw the focus of the matter
Well, that's all today, we summarize today's knowledge points:
1, chaotic investment is to court death, no investment is to die. In the face of inflation, not to invest not only unsafe, but also is the biggest insecurity.
2, the nature of the stock is that the company come up with part ownership in exchange for funds for follow-up business development.
3, the stock to make money in two ways, one is the company's dividend, and the other is to buy low and sell high.
Lesson 4: dazzling investment goods, in fact, five
I believe we have all heard of "Flirting Scholar" of the story, when to get married in Washington, a dozen hooded woman stand together hijab, hijab following Flirting do not know which is the real Scholar.
We choose to invest in products at the time, with the "Flirting Scholar" in almost the same situation, facing the dazzling investment goods, feeling all can make money, silly you could not tell the difference between different investment product in the end where is it.
But then, there are ways he Flirting Scholar, and we also have the choice of investment product approach. Surge Dong-xiang, Shi Sanxiang, their characteristics are not the same. A variety of investment products is the same, any investment product mix, can not escape the following five types.
The first category, called middlemen Daomaidaomai
Representative of such investment products are: bank, P2P, trust and so on. Among them, is the most typical bank savings.
You put money in the bank, will generate interest, you thought this interest come from it?
Tell you a truth: the three-year time deposits by 3%, while lending rates as high as 6% annualized, the interest among the poor, the bank earned on the go away.
Banks, civil usury, microfinance companies, money principles are similar. This approach is: a collection of a lot of people's money and then lend money to people who need money in order to earn the difference between the middle.
Banks generally lend mortgages with fixed assets of large enterprises, yet relatively few people out of the relatively low risk.
The civil usury and microfinance, who is anxious to lend money, and promised high returns to individuals or companies.
Due to the quality of good and bad people to borrow money, borrowing simple procedure, can not fully guarantee to recover the funds, the risk is relatively high.
So the first class of investment goods, you pay attention to credit intermediaries.
They lent money who can not borrow money to those who have the money and interest owed? And not just to look at the benefits above.
The second category, called no middlemen to make the difference
Representative of such investment products are: bonds. Including bonds, local bonds, corporate bonds.
In front of "debt" is the one word to borrow money.
State Treasury to borrow money from you, where local government debt is to borrow money from you, the enterprise is corporate bonds to borrow money from you. Buyers and sellers deal directly, without intermediaries make the difference.
Government credit is good, it was considered almost risk-free government bonds, unless the country was captured, and not pay the probability is very small.
However, local government credit is variable, part of local government debt risk is relatively high, the risk is higher than corporate bonds.
Corporate bonds depends on the entrepreneur's credibility.
Suppose A, B two entrepreneurs, is also open restaurants, this month they have come to you to borrow money.
Analyze:
A boss is far and near famous chefs, the business is booming, he would like to take some money to expand the store size.
B boss Spicy shop is open, because the raw materials last month was not fresh customer complaints, he would like to take some money to open a second store.
We can determine, A boss is driving the business forward, repayment ability and therefore a high probability better than the boss B, B compared to the boss, the boss is lent to A safer.
So the second category of investment, mainly to see the credit quality of the borrower, the chance to see how pay back the money.
The third category, called owns some assets
Representative of such investment products are: the stock.
Age of Discovery, which is the late 15th and early 16th century, when our country is in the Ming Dynasty. Founding emperor Zhu Yuanzhang in the Ming Dynasty just been established, on the implementation of the ban on maritime trade policies.
He believes that the development of agriculture is the right tributary of foreign trade dispensable.
In fact, because of the commodity economy was suppressed, in our country at that time had already planted the root cause behind, quietly catch up with the Western powers.
In the West, Europeans have begun to sea ocean activities, and formed a number of trade routes, greatly increasing the communication between the continents.
Businessmen have a boat to sea trade, shipbuilding need a lot of money, but Zhibuding encounter pirates, the risk is very high.
Someone an idea: crowdfunding! Everyone money shipbuilding, after sea trade made money, in proportion to the money divided.
The risk is that if you do not make money or lose, no investors have earned, even money will be for naught.
So, the world's first joint-stock company - Dutch East India Company, was born.
The earliest time a caravan if they can return home safely, profit margins as high as 400%.
In other words, you put 10,000, able to recover 40,000. Put 1 million, 4 million back then, just incredible!
People use their own money to buy the company's assets, with the company risk, loss and profit sharing, which is the stock.
Stock money principle is very simple, is to find profitable companies, and money to invest it.
For example, your college classmate opened a hot pot restaurant, business is very good. Now he would like to open a store, you are invited to occupation.
Do you think his family's pot shops have a unique formula, it can make money. So you invested voted store.
So the third category of investment, mainly to see your money invested in this company do not make money.
The fourth category, called to become asset owners
Representative of such investment products are: gold, futures, art collections, real estate and so on.
It is relying on external information, to make money by predicting the future ups and downs, regardless of their value.
for example.
Your university students purchasing bird's nest, this time he was going to Indonesia to purchase, before leaving to try to convince you, so you have to prepare 100,000 to buy a bird's nest.
He said: "With the government procurement restrictions, bird's nest will be price increases." So you bought.
This 100,000 nest is not can not lose it? There are two kinds of situations.
Case 1: After one year, subject to policy restrictions bird's nest is difficult to import, therefore, each channel restaurants dealer buying the bird's nest, you make a fortune.
Case 2: After one year, along with environmental groups to resist eating bird's nest, bird's nest each hotel have revoked the food, bird's nest in a warehouse off the mold, 100,000 boondoggle.
This sale, not can not lose.
So the fourth category of investment, mainly to see what factors will affect the price, and comprehensive judgment.
The fifth category, called hybrid investment products
Representative of such investment products are: bank financing, funds.
Its investment is not a single thing, which both stocks also bonds. The level of risk depending on the composition of investment goods, to determine whether it meets your investment needs.
Emphasis: not with "Bank" Liang Zi is safe. Merchants Bank account manager, had recommended financial products to the customer, the customer finally loss of hundreds of thousands.
Bank financial products usually have a variety of packaging, it may be the nature of insurance products, the Fund may be, when you buy, be sure to look before deciding whether or not to invest.
World investment, and did not understand something, do not do it, do not know is not terrible, the worst will not pretend to understand.
Understand the logic behind the investment, carefully calculated risks and benefits, with the knowledge and patience, you may exchange the last harvest.
Knock blackboard draw the focus of the matter
here, five categories of investment goods will introduced over. Let's look at five categories of investment goods:
the first category, brokers Daomaidaomai; the second category, no middlemen make the difference; the third category, with part of the assets; fourth category, becoming the owner of the assets; fifth category, hybrid investment goods.