Jane seven school financial literacy

credit card

Application

• Recommend's official website, the official APP

The card tips

• Payroll cards so in line with the bank card.
• Provide proof of assets.

Several of the date of credit card

• Bill Day: calculate the current total amount owed and the minimum repayment amount and mail bills.
• Repayment date: also on the deadline date of May a bill.
• Interest-free period: a bill one day before the date in the future, to the date of repayment.

example:

• Bill Day 10.13; 10.14 bill May 1 next day; day bills 11.13; 12.3 repayment date
• Account of: 10.14 to 12.3,51-day interest-free period.

skills

• Select the credit card bill had just finished Day

Common credit card fees

• Annual Fee: general about the free Gold
• Overrun charges: After maxed out cards charge interest on the excess, failed to return all the debts, the bank levy on all five ten thousandths overdraft
• Withdrawals fees: reflect the amount of 1% to 3%
• Installment fee: Interest
• Late fees: fees levied for failure to timely return of part of the bank overdraft.

Social Security

Pension

• Payers: individuals and enterprises
• Base: the average monthly wage
• Limit: the actual range; out of range; press on the line
• Recipients: a total of 15 years, or only receive individual parts.
  Personal: 8% ---- --- personal accounts personal pension
  units: 20% --- --- base support pooling account pension

Medical

• Base: individuals have different business areas --- --- 8% -10%
• Recipients: individuals pay: --- Medicare card unit to pay: part of the Medicare card, to co-ordinate account surplus
• Note: After three months can not enjoy health insurance stopped paying part of the overall reimbursement, need to pay six people to recover

Unemployment insurance

• Payers: individuals 0.2% -1% Enterprise: generally 2%
• Receive conditions: payment of a year, I will of non-career, unemployment register within 60 days after unemployment

Maternity Insurance:

• Payers: Enterprise: 0.5-1%
• Receive conditions: fertility in the plan; 1-12 months longer when the cumulative payment before delivery; in particular medical institution
• Benefits: maternity benefits: a month on an annual average wage of the enterprise; medical services: medicine, treatment, delivery fee, the disease caused by maternity, surgery fees, inspection fees. Production and education

Commercial and industrial insurance:

• Payers: Enterprise 0.5% to 2%
• Consuming conditions: work injuries, occupational diseases, commuting accidents injuries received my primary responsibility and other non-;
• Treatment: Medical benefits: disability benefits; configuration aids treatment; treatment of workers killed; life cost of care; industrial and commercial treatment

note:

• Social Security may have diplomatic relations how to do?
  Find excessive intermediary; the minimum base pay

• Diplomatic relations have taken place how to do?
  Pension and medical insurance - life can be handed enough, if the retirement age, the minimum contribution years is not enough, then rely on local regulations apply for an extension to pay.

Medicare accounts of personal accounts

• Medicare card --- designated pharmacies and hospitals, when used up, you can go to the end of the next

Medicare accounts of pooling account

• Basic Medical Insurance: individuals pay more than outpatient, emergency and hospital costs and limits the amount of own
• Large medical expenses mutual funds: full use after exceeding the upper limit pay hospital fees.
• Reimbursement conditions:

1. Fixed: must be in designated hospitals for medical treatment
2. Specified directory: medications, medical consultations and service facilities should be within the specified directory.
3. Deductible: reimbursement only partially over the pay line, generally pay line is 10% of the local average wage, with particular reference to the local social security bureau.
4. Cap line: reimbursement only partially below the ceiling line, typically 4-6 times the ceiling line-average wage local workers, particularly local IESS.
5. Pro rata reimbursement

business insurance

Disability insurance (accident insurance)

• Meaning: accidental injury specifically referring to is foreign, sudden, disease willingness of non-I, the objective event of physical harm.
• Usually tens to hundreds of premium, the sum insured is usually one hundred thousand - Half a million.

Critical illness insurance (covering medical costs and income compensation)

• Definition: insurance contract amounted to major diseases, one-time grant of
  attention: the best buy at a young age, or the age increase premiums will increase.

Life insurance (guarantee "life")

• Definition: Because accidental death.
• Essence: not to buy their own, bought for the family.

Recommended:

• Single period: one year of accident insurance, plus a regular critical illness insurance
• Two of the world: critical illness insurance
• Three: fully configured

Give the child what to buy insurance?

• Consumer critical illness insurance, buy a 18-year-old.