1. What common knowledge can you talk about to prevent financial fraud?

As an online financial user, as long as you keep "one card, two codes, and three elements" in mind, keep in mind the "four "Three don'ts" can effectively prevent financial fraud.

One card is to keep safe products such as bank cards and online banking shields properly, and do not lend them to others.

The two codes refer to the electronic banking password and SMS verification code. Don’t use one password to rule the world. Set your e-banking password to a complex combination of numbers + letters and change it regularly. The SMS verification code is the payment password and must not be disclosed to others in any form.

The three elements are personal private information such as ID number, account number, mobile phone number, etc. Do not disclose it at will.

The fourth thing is to look for the official website address. Second, pay attention to account changes at any time and activate account change SMS and WeChat reminder services. Third, when handling electronic bank transfers, payments and other transactions, carefully check whether the receiving account, merchant, amount and other information are correct. Fourth, it is necessary to anti-virus on mobile phones and computers. Mobile phones and computers used for electronic banking transactions must install professional anti-virus software, upgrade it in time, and check and kill viruses regularly.

Three don’ts and one don’t use public *** networks. 2. Do not click on unknown links or scan QR codes. 3. Don’t trust the so-called refunds, loan capital verifications, judicial investigations, product refunds, points exchanges, prize tax refunds and other information on the phone, text messages, QQ, and WeChat.

2.5 hours of familiarity with financial knowledge

1 As a graduate of the University of Finance and Economics, I have accumulated a certain amount of experience. I think the stock market and spot market deserve everyone's attention. Whether it is for understanding or investment, it will have certain benefits for your future foothold in the investment market, or for your study of spot goods and personal financial management.

(If you think the above is deceptive, you don’t need to read the following, but I sincerely ask those who are interested in learning investment and financial management to continue) 2 Spot analysis is not that complicated. Spot analysis only needs to look at the K-line Moving average chart. Buy up when the trend is up, sell short when the trend is down, and benefit from both sides. There is no international influence, no market influence, no multiple market makers competing for shares, no old market makers, etc.

If you have excellent technical skills, then maybe you can make your own profits in this industry. In other words, spot analysis should be more concise and clear, and is more suitable for technical analysts. 3. The current stock market is very unstable, the policies are not good, and there are many negatives.

Not very conducive to stock trading. As for funds and fixed investments, the same is true. Due to the impact of the market, it is impossible to complete the eggs under a crowd, so it is not recommended at the moment.

4. I personally recommend investing in spot silver, which is the country’s own products and its own investment, and is not affected by any foreign investment. Moreover, the volatility is stable, with an upper and lower limit of 7%, which is smaller than the 10% of stocks. It is a good choice, and you can also go short and make two-way orders. Of course, the choice of varieties must be good, with high popularity, large transactions, and market trends. Okay, that will make a lot of money.

5(1) Stocks: Advantages: T+1 trading, market capitalization (unless the listed company goes bankrupt), suitable for single lines, 100% margin quilt can be used to wait, suitable for mid-line people Disadvantages: cannot enter the market on the same day , has been severely laundered and consolidated, limiting the effective use of funds; it can only go up but not down, limiting the trading direction, with a price limit of 10%. Medium risk recommendation (2) Spot: Advantages: T+0 trading, two-way trading , you can do both ups and downs, you can enter the market on the same day, there is no limit on the number of transactions on the same day, 20% margin system, 7% rise and fall limit, strong risk controllability. Recommended disadvantages: hidden, fewer people know about stocks, (investment value is greater than stocks Personally think), not suitable for large funds (of course, experienced people do not have this problem, because they can hedge) (3) Futures: Advantages: T+0 trading, two-way trading, both up and down can be done, there is no limit to the number of times you can enter and exit the market on the same day, 1 %-5% margin, capital amplification Disadvantages: Weak risk controllability, games played with large funds, not suitable for small and medium-sized funds (my friend earns 70,000 a day and loses 1 million a week), not recommended. 6 The spot market is in a hidden area of ??the financial investment market. In foreign countries, there are spot products first and then futures. However, due to various reasons such as the development of market economy, China is exactly the opposite of foreign countries. There are futures first and then spot products. Therefore, the spot industry in China is A very special investment industry.

The prospect of this industry is very strong. Gold cannot be priced in China, crude oil cannot be priced, and futures cannot be priced. However, the Ministry of Commerce of China strives to achieve independent price pricing in the spot industry. This background has caused spot prices to continue to rise in the past 10 years. develop. As a student at the University of Finance and Economics, I believe that we should be able to understand how powerful the background of independent pricing can be. A major manifestation of a stronger economy is the ability to achieve self-pricing.

However, the development of the spot industry is not smooth sailing. It is a slow and step-by-step process that has gone through many baptisms. Therefore, people do not know much about it, less than stocks and less than futures. However, sooner or later, such an industry will develop and expand in China and become a major leader in the investment field.

The subject matter of investment products in the spot industry is real, and most of them are agricultural products, such as indium, silver, coal, silicon, etc., which are all products we are very familiar with. For this reason, we can understand the market price to a great extent, which is of great benefit to our investment.

Spot technical support, spot analysis is the same as stocks, mainly in two aspects, the actual market price is called basic analysis, and the second is the investment market price is called K-line analysis. I believe everyone who has stock knowledge Know K-line analysis. Why do you support the spot market? Fundamentally speaking, the first is the strength and prospects of the industry, the second is the use of funds (3W can be used for deposit operations), which means it is suitable for small and medium-sized funds, the third is that you can enter and exit the market unlimited times on the same day to earn the price difference, and the fourth is that you can trade down. , buy when it rises and make money, sell short when it falls or pull back and make money, which is the two-way trading system mentioned above.

7 The investment market has risks as well as profits. It is for this reason that it attracts different groups of people. To make a good investment, you must have solid basic skills.

Regarding stocks, combined with my personal experience over the past few years, the first things that must be paid attention to are: Internal factors (1) The market point, the trend of PetroChina and Sinopec (2) The selected stock industry, sector, and country What is the policy (3) Market value of the stock, size of the circulation market, whether the stock is active (4) Market maker's shareholdings, early consolidation, and consolidation (5) K-line chart, moving average chart, entry point, stop loss point, External factors of the profit stop point (1) International financial trends (2) US stock market trends The above points are some basics. Of course, there are many more details. Friends who need to communicate are welcome to discuss and discuss together. If you are doing stocks, if you can combine these, you can better control risks and earn profits.

Similarly, the same goes for spot goods. However, spot analysis is not that complicated. Spot analysis only needs to look at the K-line chart and the moving average chart.

Buy on the upward trend, sell short on the downtrend, benefit from both sides, no international influence, no market influence, no multiple market makers competing for shares, no old market makers, etc. If you have excellent technical skills, then maybe you can make your own profits in this industry.

In other words, spot analysis should be more concise and clear, and is more suitable for technical analysts. Finally, friends, please remember that investing in the market is risky, so investing is risky and you need to be cautious when entering the market. This cannot be overstated.

When you feel that the stock is too slow and too volatile, or you have a good position in the spot market, you can enter and exit the market every day and celebrate your profits every day. When you count the books at the end of the day, you may be When you are proud of your progress.

3. Tips on financial management: how to manage money

1. Conduct a risk assessment to see what kind of venture investor you are.

2. Classification of financial products: One is the fund pool type, also known as fixed income (the most obvious feature is the online banking version of financial products, such as marking a certain model 28 days 46 days 96 days 186 365 Tianbian) This financial product is the safest, and the expected returns to customers can basically be achieved. Generally, when you log into personal online banking and choose the financial product with the smallest risk factor, this type of financial product is used.

3. Classification of financial products: Structured financial products invest the funds raised by customers in other financial instruments, such as stocks, foreign exchange, gold and other financial instruments, so their returns are often range returns, such as 4.5%-12.5%. For example, taking the Shanghai and Shenzhen stock index as the standard, the base number for the day is 2000 points, the upper limit is 2200, and the lower limit is 1800. When reaching 2200, you will get an annualized return of 12.5%, and vice versa, 4.5%, so when buying structural Be careful when managing your finances!

4. Generally, balanced and conservative financial management customers are recommended to choose fixed-income products, while radical customers can choose structured financial management. Of course, they must consider the current economic situation when purchasing, otherwise it will be easier to hit the lower limit and fail. reach minimum profits or even losses.

5. Finally, when purchasing financial products, be sure to ask the financial manager whether this is a fixed or structured financial product, what are the structurally linked financial derivatives, and how the rate of return is calculated. Only after understanding Only with a comprehensive approach can you find the financial product that suits you.

4. What are some tips on family financial management?

Hello, the prerequisite for family financial management to make money is to keep money first. In daily life, you should spend money that should be spent and what should not be spent. Don’t spend a cent of your money, spend wisely.

In terms of making money, it is recommended to do the following:

First, the family has a fixed monthly income, and it is best to have an increase in income every year. Naturally, the family’s savings will be More and more means more money.

Second, family insurance protection should be done well. When illness strikes, it can help to prevent the family economy from being affected. It can also be regarded as a way to make money.

Third, money begets money. There are many types of financial management products on the market now, including securities, funds, foreign exchange, futures, real estate investment, etc. But when choosing, we need to grasp these products and figure out what these financial products are, what their characteristics are, and what they are. Whether it is suitable for the family's risk tolerance, whether it is suitable for investment, etc., then choose the most suitable product. Don't follow others' opinions.

5. What are some lively financial management jokes

1. A gecko got lost at the entrance of a securities company. At this time, a big crocodile happened to be crawling far away. Come over, ready to eat it in one bite. In desperation, the little gecko stepped forward and hugged the crocodile's leg, shouting: "Mom!" The big crocodile was stunned, and then burst into tears: "Son, I've only been in the stock market for half a month and I'm so thin! ”

2. Someone at the party introduced a great stock trader. It was said that he became a millionaire by stock trading, so he immediately came forward to ask the master for any tips on stock trading? The master looked confused. What's the secret? I turned out to be worth hundreds of millions.

Investment and financial management skills 1: Accounting

Everyone knows that financial management requires accounting. It is not difficult to practice it for a week, and one or two months. It is not a big problem in March and May, but It is difficult to actually keep accounts for a year, two years or even a lifetime.

In fact, as long as you keep accounting as a habit, it will become a part of your life over time. We talk about financial management to better design and plan our lives.

Let us live a better life, so accounting is to let us understand our cash flow, let us know what is spent too much, what is unnecessary to spend, and how to spend what can be more valuable. Therefore, if you want to manage money, the first thing you have to do is to know how to keep accounts.

Investment and financial management skills 2: Live within your means

After keeping accounts, we know that some money is spent inexplicably. After a month, you spend a lot on snacks and throw away a lot of clothes. The cabinet was barely worn and was a mess of useless things.

Some things are completely unnecessary. Therefore, Jia Feng Ruide financial planners suggest that when you buy something, ask yourself, do I really need it? Then count down the dozens. In fact, most of you will know that this is not necessary.

Of course you have to understand the difference between "want" and "need". Financial management must be rational and restrained. Restraint now is for a better life in the future. Just like taking a break is for better work!

6. What are the introductory knowledge of personal financial management

1. Learn financial management knowledge

If you want to make a breakthrough in the field of personal investment and financial management, you must learn More skills.

We need to systematically study the basics of investment and financial management. We can buy some financial magazines, financial management magazines, etc., which are all good choices. In this way, we can flexibly apply the financial management knowledge we have learned in real financial investment and gradually form our own unique According to your financial management style, choose financial products that suit you for investment.

2. Keep accounts at hand

Now is the era of mobile phones and the Internet. We have opportunities to manage money anytime and anywhere. We can use our free time to record our day's expenses on our mobile phones. Make a detailed analysis on a weekly or quarterly basis to determine which expenses are necessary and which are unnecessary. In the long run, you will be able to grasp your personal consumption patterns and avoid over-consumption, which plays a very important role in personal investment and financial management.

3. Reasonable planning

Only when assets are planned and invested appropriately can wealth be increased. You need to plan your living expenses reasonably and learn how to spend money to make more money. Properly plan idle funds. Try to use it as much as possible to improve the efficiency of the use of funds. Let wealth increase.

4. Short-term investment

Working-class people often have less time and relatively fixed income. In terms of personal investment and financial management, they prefer stable investment. If they do not have too much time to manage investments, they should at least Understand the principles of financial management and choose to purchase some financial products with short maturities and relatively stable returns. In comparison, it is more cost-effective than survival period.

5. Reduce debt

Reduce overdraft consumption such as credit cards. Take tomorrow's money and use it today to advance future wealth. This means that every time we swipe a credit card, we have an additional debt. If the repayment is not made on time, the excessive interest will make you bear more debt. . So we should try to reduce the consumption of this kind of behavior as much as possible.

6. Reduce high-risk investments

Generally, the risks associated with financial products with high returns are also quite high. For personal investment and financial management, if there is not a lot of idle funds, it is recommended to choose financial products with low risk and steady returns. Because once the investment fails, it may lead to bankruptcy, which is unaffordable for ordinary people like us. Therefore, we need to reduce high-risk financial investment products.

The above is the introductory knowledge of personal investment and financial management that I have shared. I hope that everyone will pay more attention to the above aspects when conducting personal investment and financial management, and choose a financial management method that suits you according to your personal financial management goals.