Coal boss:
Coal bosses in high-risk industries, to go out to see the almanac, buy property geomancy.
Small three mistresses and more common in young guard coal boss
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Balance treasure:
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1. prudent financial management
2. short-term debt
Certificates of deposit time deposit interest rates are higher, but 20 million threshold. Structured deposits is associated with yield index-linked deposits, such as stock index and gold prices. This is somewhat similar to gambling with the bank, you see more, it is bearish, and vice versa. You win, you can get a higher rate of return; you lose, still can get a lower income. Therefore, structured products more and more loved by everyone.
Not the same, if we extract the deposit in advance, you can only harvest current interest. For government bonds, if we want to extract in advance, just lose some penalties, usually in the interest of the face value of a thousandth or a certain period; or sold to other investors in the bonds directly on it.
Bonds can be seen as reverse repurchase annualized rate of return guaranteed insurance benefits borrowers higher interest rates on a regular basis, a special point of time can even reach 10%.
For stocks, we certainly are familiar with. But while everyone can three minutes to open an account, but the stock market has a certain threshold of knowledge, understand the play, good play, not many people.
fund:
Hybrid funds can only invest in stocks, you can also invest in bonds, loved by everyone.
Equity funds are funds more than 80% of the funds are invested in the stock market. At present, more and more people like to use partial stock hybrid funds alternative equity funds, so you can always short positions in the market downturn, to maintain a certain degree of freedom.
We will definitely not new to real estate, it is an important part of our family wealth in the house we have witnessed too many stories of wealth around the house and even became a symbol of class and wealth.
关于房价，一句话总结，就是“长期看人口、短期看政策，具体买房看交通和配套”。我们要来关注中短期影响房价的关键因素——政策。政策主要分为两类，一种是货币政策，也就是看看政府有没有“放水”，一种是更为直接的房产交易政策，比如“限价”，“限购”。货币政策的一个比较好的观测指标就是M2，这可以通俗理解为社会上有多少现金，M2的增速过快，往往就是“放水”的标志。从以下华尔街见闻的统计中，我们便可以看出，M2超发的程度远超房价和收入的涨幅，从某种程度上，房价可能还是低估的。
作者：骁哥
链接：https://www.zhihu.com/question/310686564/answer/872923221
来源：知乎
著作权归作者所有。商业转载请联系作者获得授权，非商业转载请注明出处。
1.房地产
2、得房率得房率=套内建筑面积/建筑面积。得房率越高，说明公共空间所占的“水分”越少，但得房率过高，也会让人压抑。一般来说，80%的得房率比较理想。
3、容积率容积率指的是一个小区的地上总建筑面积与用地面积的比率。容积越大，土地利用程度越高，这会影响我们居住的舒适度。一个良好的居住小区，高层住宅容积率应不超过
4，多层住宅应不超过1.5。4、绿地率和绿化率绿地率是居住区内各类绿地的总和与居住区用地的比率。绿化率是开发商创作的词，一般指绿化面积与规划建设用地面积之比，范围更加宽松。我们只需要关注绿地率，新区建设中绿地率不应低于30%，旧区改造时不宜低于25%。
5、楼间距楼间距是指两栋建筑物外墙之间的水平距离。楼间距太近，会影响光照。
6、层高和净层高层高是指包括上下两层楼面架构之间的垂直距离。一般住宅的层高为2.8米。净层高就是层高-楼板厚度，也就是你的地板到天花板的距离。
7、梯户比梯户比就是电梯数和每层楼住户数的比例。简单的说，一层楼如果有2个电梯，4户家庭，那么它的梯户比为2：4。梯户比高，更有私密性，电梯拥挤程度更低，但公摊面积也会更高。
8、订金与定金订金是一种预付款，是当事人中的一方向另一方付一定费用作为担保，可以退还。定金是在合同订立或在履行之前支付的一定数额作为担保，不可以退还。
9、个人征信和银行流水买房往往需要提供个人征信和银行流水。个人信用报告可以在人民银行官网上查询和打印，主要查看你的信用历史，包括个人货款信息（如房贷、车贷、助学贷款）和还款记录，以及查询记录，哪些机构于何时查询过个人信用报告。申请个人住房贷款时，银行需要你提供近半年的银行流水，一般来说，当你银行流水的有效进账（包括工资和转账等）是房贷月供的2-2.5倍以上，银行才能提供个人住房贷款。
10、共有产权房共有产权房是指两个或两个以上的人或主体共同享有所有权的房产。在我国，政府为了降低购房门槛，逐步推出了“合股买房”模式的共有产权房，就是政府与购房人共有产权的政策性商品住房。共有产权房5年内不得交易自己拥有的那部分产权，出售时也必须补缴房价上涨的部分给政府。同时这类房子不能落户也没有学区划分，所以要慎重购买。
理财建议
Our greatest starting point is our parents. Parents left us wealth, to our network of resources with our common vision, these are same as the baton passed to our hands. Have to say, fathers passing on the baton of very different starting point, all roads lead to Rome, but some people born in Rome. But everyone's parents have been trying to run his own good stick that can lead only a minority. We do not complain, complain troubled world of injustice, but frankly accept their starting point, the objective acknowledging the achievements and limitations of their own native families. While finding his own course, he tried to make her run faster, even overtaking around the curve.
Active income is to sell their labor to make money, including wage and sideline income, earn hard cash. Passive income includes investment income brought about by the assets, rent, etc., also known as "post-sleep income", because it is "lying to make money." Most young people do not have enough assets when investment income is not high, income is active income-based. With time age, assets accumulated to a certain extent, passive income will exceed active income, life would be much easier. An important criterion we seek financial freedom is to rely solely on passive income to live the life you want.
We will see a lot of "IQ tax" phenomena, such as by craftsmen canisters of tea, expensive health care products, and won the "largest pyramid scam" diamonds. Although we knew it was intelligence taxes, but still a lot of people buy, we ourselves may also buy. Think not difficult to find, pot, tea and health care products for gifts and more, people naturally do not want to buy the price is too low to send gifts, which essentially pay for the favor. Although diamond is used only to marry him, but the sense of ritual high prices brought on behalf of the emphasis on feelings. Correct view of consumption than to the savings, not just to look at a product from a cost, but to understand its own real utility.
The essence is to use investment risk, which is the uncertainty in exchange for benefits; sacrifice the interests of the moment, in exchange for greater long-term benefits.
Insurance:
