Why do so many people fail to use credit cards? In the end, they got themselves into a lot of debt, including me

This is because they don’t understand the methods and rules of using credit cards, and they just use them based on their own assumptions. Once they find that it is different from what they imagined, they will scold the bank. . In fact, the use of credit cards is very common and standardized internationally. Basically, there are very specific regulations for every situation. If you use your credit card according to the regulations, you will feel very convenient. There are also some people who apply for a credit card and think that they can do whatever they want and spend without restrictions. However, they don’t know that a credit card only lends you money first and you have to pay it back afterwards! I’m not giving you money! It is also by no means a charity. Specifically, you can first learn the rules of using credit cards. If you don’t understand anything, call customer service first. Don’t wait until something goes wrong before asking!

Have you been slapped in the face by the "lottery shady story" mentioned in "Lao Liang's View of the World"?

It is reported that Lao Liang recently revealed the "shady story" of the lottery in his talk show "Lao Liang Views the World", which involved "whether doubling the investment is consistent with common sense" and "the suspension of lottery draw time" "Interval" and other issues were criticized by lottery fans for a period of time after the program was released, pointing out that Lao Liang did not understand lottery. There were supporters of both views, and the quarrel was intense.

Soon, some lottery friends pointed out that the issue of "masking the award" mentioned in Liang Hongda's show was seriously inaccurate. So what is the real situation?

Let’s go back to the show at that time

Lao Liang’s original words in the show: “Everyone who wins the big prize in China’s Shuangseqiu wears a mask when receiving the prize. No one knows the specific situation. I don’t know, but this is in line with Chinese people’s custom of keeping their wealth private. After he found out, someone made trouble for him, causing his wife and children to break up. However, the British and American lottery prizes were higher than ours, and everyone happily accepted the prize publicly. In fact, it was compulsory. Sexual, because everyone who buys lottery tickets has the right to know.”

Financial intelligence is a person’s ability to deal with money? Stop talking

What is financial quotient

Financial quotient is wealth IQ

Financial quotient is the ability of people to deal with money

Financial quotient is a person’s ability to recognize, manage, and create wealth

Financial quotient is wealth literacy

What exactly is financial quotient? In layman’s terms, how do we understand it?

The Poor Dad Rich Dad series of books has brought the concept of finance and intelligence to China, and all the interpretations are American interpretations. How to use it for me, how to interpret it correctly in Chinese style, is what I have learned in the past 17 years. Financial educators are struggling to find answers.

As a financial and business enthusiast who has been reading rich dad’s books for four years, I personally think this: in different growth stages of people, the content covered by financial business is also different.

For young children, financial intelligence means understanding the currency of their country and the world, understanding the source of currency and how currency is produced, understanding that money is a tool for exchange, and initially understanding the basic functions of currency. What children need to build at this time is knowledge of the basic functions of currency.

For teenagers, financial intelligence is the correct management and planning of pocket money. Know how to use money correctly, save money, make simple money to make money (the use of simple financial management tools, such as Yu'e Bao, WeChat wallet, accounting software, Caitongtong, Baidu Wallet, Wacai, etc.), and use pocket money reasonably A portion of the money is saved to achieve larger goals. Understand the role of savings in meeting future needs, such as giving carefully selected small gifts to elders on their birthdays, preparing a gift for teachers on Teachers' Day, and saving your own pocket money when you particularly want a large item. It can come in handy instead of spending all your pocket money every time. The initial understanding of young people's financial intelligence is a sense of sharing, delayed gratification, planning, and saving.

Nowadays, primary school students also quietly have a tendency to compare. For example, if their parents come to pick them up after school, if the car is not a luxury car, the children will ask their parents to park the car farther away from the school; Student A has Student B wants to borrow 10 yuan for 3 days and pay 1 yuan in interest. This behavior also involves credit establishment and risk awareness that only adults were involved in before. A child's credit is not only reflected in classmates, but also in family relationships.

For example, a child may see that a classmate has a pair of very cool running shoes, and he wants to own them, but he clearly knows that his parents’ income level and consumption outlook will not allow him to buy them, so he may take them from his parents’ wallets secretly, or lie. Cheating money from parents, or getting money through other channels, are all within the scope of financial intelligence. The establishment of personal credit and the initial formation of risk awareness and financial literacy.

What’s more, a primary school student rewarded an online anchor with 50,000 yuan. This 50,000 yuan was saved bit by bit by his parents who are cleaners. This involves the concept of money, and the child has no idea what this 50,000 means. Therefore, when children are 6 or 7 years old, which is the most suitable period for financial and business enlightenment education, we must instill in them the existence of various professions in society and how each profession makes money. For example, you may earn 50 cents from selling one bun, and 5 yuan from 10 buns. If you sell 100,000 buns for 50,000 yuan, how long will it take you to sell these 100,000 buns? Or maybe my father is a locksmith. After opening a lock, he may earn 30 yuan, excluding the transportation expenses and phone bills to the customer's home. How many locks does it cost to open 50,000 yuan, and how long does it take to complete it. This is the formation of the concept of financial intelligence, which is not only about money, but also about time. Time is also a kind of wealth. For children of different ages, the concept of "a lot of money" is also different. Children in kindergarten think that 100 yuan is a huge amount of money, while children in elementary school may think that 1,000 yuan is considered rich. Children's understanding is limited to what this money can do. Buy as much as he wants.

So, financial intelligence in adolescence first involves the concept of goals, what goals to achieve, what resources to have, how to plan to achieve the goals, and most importantly, taking action for the plan. In this period of adolescence, what needs to be established is resource awareness, planning awareness, savings awareness, investment awareness, and delayed gratification awareness. Personal credit and financial literacy are also beginning to take shape.

For college students, financial intelligence begins to involve more values.

How to ensure a balance in monthly living expenses without running out of money at the beginning of the month? How to ensure a balance in living expenses without taking out a campus loan or opening a credit card? How to balance the psychological gap between wearing Mibon and others wearing Adidas and Nike? How to balance work and study? How to balance love and studies? Should it be better to learn or start a business earlier? What does real entrepreneurship look like? Live streaming, ordering on Taobao, wholesale small commodities and setting up stalls, a few people jointly opening a clothing store or restaurant next to the school, etc., etc., which ones are considered real entrepreneurship?

College students have reached adulthood and have basically formed their own values. However, unless they experience particularly major events in the later period, the re-formation of values ??will be affected. What are values? Values ??are how to choose when faced with a choice. College life is the first stop to completely separate from your parents and enter society. After entering college, you need to make your own decisions, no matter how big or small. The advantage of making your own decisions is that you feel your own independent existence and are surprised by this growth. At the same time, Be responsible for all the consequences, good or bad, of your decisions.

For campus loans that have been exposed recently, if you borrow money from platform a, people from platform a will suggest that you open platform b to borrow money to repay the loan from platform a, thus having platforms c, d, e, and f. Then the loan of 1,000 yuan turns into thousands or even tens of thousands of yuan. At this time, we do not judge whose fault it is. We should find the problem. The problem is that college students do not pay attention to personal credit and do not have a correct understanding of risks. expected.

What’s more, I didn’t know how to repay my student loan for a year after graduation. As a result, I didn’t know that I was a bank account holder until I applied for a house loan or a car loan, or I was helping a salesperson complete so-called tasks. , opened a credit card, although no consumption was made, but the annual fee not paid every year affected my personal credit.

The financial intelligence that children need to build at this time is planning awareness, competition awareness, innovation awareness, personal credit, and risk awareness.

For a social person, it includes financial investment capabilities, business opportunity discovery, family financial planning, and all the financial intelligence that needs to be acquired before becoming a social person. However, at this stage, financial intelligence is more of a quality. .

You have just received your salary, your wallet has been stolen, and you have to pay for your mortgage, car loan, childcare, and various living expenses. How do you react at this time? Is it to post on a circle of friends to yell and curse, and the more you curse, the more hate you get? Still trying to remember how the money was lost and can it be found again? Or are you already thinking of ways to make up for your fixed expenses like car loan and house loan first? Or do you think, I must find a way to make more money to make up for it? Your thinking is your financial intelligence. At this time, financial intelligence is your quality. Of course, the financial intelligence of people in society also depends on your ability to discover business opportunities. What comes into full play at this time is people's awareness of sharing, innovation, and all the financial and business awareness that needs to be cultivated before this.

2

I saw a little story before

It was said that people in a village had trouble getting water, and the villagers had to go far away to get water. Water, the village chief summoned the villagers and said that he wanted to contract out this business. It would be best for the villagers to have water every day in their own village. Two people contracted this business. One of them bought a carriage and several large barrels, and then went to a distant place to fetch water every day and brought it back to the village. The other person disappeared. What did he do there? He went to find investors and construction teams. After a year and a half, water from afar gurgled out from the pipeline built by this person. The result was: the first person made money for this year and a half and became unemployed, while the second person Two people enjoy passive income. This is financial thinking.

Financial intelligence has different interpretations from different dimensions. It just refers to personal awareness of discovering business opportunities. Financial intelligence is also reflected in family education.

Lao Liang’s story club told such a story

When Buffett was 6 years old, his grandfather asked him to do housework. After finishing the work, Buffett went to his grandfather to ask for money, and his grandfather only gave him one US dollar. Buffett was very angry and said, "I've been doing this for so long, why did you give me such a small amount of money?" Grandpa Buffett said, "It's because you didn't talk to me about remuneration before doing it." (Negotiation ability)

This is what the story is about. Therefore, Buffett began to receive family financial education when he was very young. He started saving at the age of 6, 30 yuan a month. When he was 13 years old, he had 3,000 yuan and bought First stock.

There is also a super classic financial joke

A child asked his father: "Is our family rich?"

His father answered him : "I have money, you don't. My money is earned through my own hard work, and you can also get money through your labor in the future."

Another child asked his father: "Dad "Does our family have money?"

The father answered him: "Our family has a lot of money, and this money will be yours in the future."

The first child listened to his father's words. You will get the following information:

My father is very rich, but my father’s money belongs to my father;

My father’s money is earned through hard work;

If I want to have money, I have to get it through hard work and hard work.

The information the second child obtained after listening to his father’s words was:

My father is a rich man, and our family has plenty of money;

My father’s money It’s my money;

I already have a lot of money without any effort!

The first father’s answer can help a child establish a correct outlook on wealth and life, making it a self-reliant doer, while the second father’s answer can only make the child weak and incompetent. "Eating the old people".

So, financial intelligence is the continuous formation of values.

The scope of financial intelligence is very broad. This article is limited to discussing the definition of financial intelligence. Due to the limitations of study time, my cognitive level also has certain limitations. I hope all senior financial intelligence experts can give me some guidance.

A plan to cultivate children’s financial intelligence

3 years old: Identify banknotes and coins.

4 years old: Learn to use money to buy simple supplies, such as paintbrushes, bubble gum, and snacks.

5 years old: Understand that money is the reward for labor, and conduct money exchange activities correctly.

6 years old: Can count larger amounts of money, start to learn to save money, and develop awareness of "own money".

7 years old: Able to look at product price tags, compare them with their own money, and confirm their purchasing ability.

8 years old: Know how to open a bank account to save money, and find ways to earn pocket money by yourself, such as getting paid by selling old newspapers.

9 years old: Able to make a simple weekly spending plan and know how to compare prices when shopping.

10 years old: Know how to save a little money every week and save it for large expenses. For example, buy skates, scooters, etc.

11 years old: Learn to evaluate commercial advertisements, discover cheap and high-quality products, and have the concept of discounts and discounts.

12 years old: Try investment activities such as stocks and bonds, as well as make money practices such as business and part-time work.

Ages 13-15: You can try some safe investment tools and services, and know how to budget, save and make initial investments;

Ages 16-17: Learn some macros Basic knowledge of economics, learn to pay attention to global market information, and understand the interconnections between simple financial instruments.

It’s the same as using credit cards. Why do some people become poorer as they use credit cards, while others become richer as they use credit cards?

Who can make more money by swiping? The credit card is set against you. There will be card fees when you use it. Secondly, there will be card swiping fees. Thirdly, there will always be times when you fail to pay the installment, then interest will come, and that is high interest! Fourth, if you haven't done it yet, you are a breach of trust.

Credit cards are a trap, did you know that? If you don’t believe it, listen to what Lao Liang said about the festival. Listen to what he said.

For example, some people hold dragon-slaying knives, but they will only be hunted down by people all over the world; some people hold dragon-slaying knives, but they can command the world.

The knife is always the same knife, but the people holding the knife vary greatly.

The same is true for credit cards. If you are good at using credit cards, credit cards will be even more powerful for you; if you only use credit cards to eat, drink and have fun, credit cards will be poison that knocks your bones and sucks your marrow.

In my opinion, people who are good at using credit cards often have two very obvious characteristics.

First, there are ways to make money. A very useful thing about credit cards is that you can use funds within the credit card limit at no cost and can be used for up to 52 days. If you are a small commodity buyer, or have other businesses with billing periods within 52 days, using a credit card can give you this part of the funds. And the more you use, the higher your credit card limit will be. The highest limit I have seen for a person is 2 million. And when you have 2 million readily available funds, there are not many opportunities to make money.

The second is strict self-discipline. Credit cards are toxic and highly addictive. In my opinion, the reason why some people can get better and better is because they are constantly repairing their own flaws, making up for their own shortcomings, and then continuously accumulating their own strength through hard work accumulated over time. People who lack self-discipline and are indolent are like bamboo baskets with holes everywhere. No matter how much they try to fetch water, it is all in vain.

What’s more serious is that credit cards will further encourage people’s desires, causing people to spend money without restraint and eventually become slaves to desires. When you look back, you suddenly realize why you owe so much debt? !

So, although credit cards are good, it depends on your ability to control them.

If you don’t manage your finances, your finances will not care about you.

I am ashore in 2019. I finally don’t have to rely on credit cards to live my life. I came into contact with credit cards in 2010, and I have been relying on credit cards ever since. Most of the reason is that there is not enough money to spend and you can't control your own hands. I just buy something when I want to, without any plan.

At most, there are 4 cards in hand. ***The total credit limit is about 300,000. The left hand is turned into the right hand, and the east wall is demolished to make up for the west wall. I really don’t know where the money went. As I grew older, I realized that I really couldn’t go on like this.

Just observe the people around you who also rely on credit cards to live their lives. People are already using credit cards to make money, save money, and make money. All the money in the card was withdrawn and invested in small loans. Those who stopped early made money. Use your credit card to purchase discounted products and then dump them out to sell. Use credit card points to get bank gifts. In short, I use my credit card to its maximum value.

Later, I also invested in small loans, and within a year, I no longer had to spend any money on my credit card. Later, when I had a little balance in my hand, I gradually canceled a few credit cards. Now everyone must not invest in small loans, there are too many thunderstorms. I can use it now. I can use credit cards and I don’t know how to use cash or my own balance. Your own money earns interest on financial products. Although it's not much, no one gives a dime for free. Only by managing your wealth with a plan can your wealth appreciate.

When good buddies borrow money, should they borrow it? Lao Liang tells you how to solve it perfectly

When good buddies borrow money, whether they should borrow it or not, Lao Liang tells you how to solve it perfectly

No matter how good he is at sophistry, he must ask when he will pay back the money. This can give himself a reassurance that the time to ask for money will be more appropriate and he will not feel embarrassed.

If he will repay the money, but if you are very concerned about the money and you will always be thinking about the money after lending it to him, then don’t borrow it, which means that after borrowing the money, this kind of thing will be harmful to you. There is a constraint. Is the relationship between him and you so good that you are stabbing him in every possible way? There are reasons for feelings that cannot be explained rationally. It is best not to do anything to save your friends.

If he may not pay you back, then don't borrow money. A gentleman will not stand behind a dangerous wall. Tang Seng was caught by goblins countless times, but when he saw a woman who might have been a goblin hanging on a tree, he still wanted to save him, but we are not Tang Seng.

Maybe you are worried that your relationship will become bad if you don’t lend him money this time. You can think about whether it is you who has to lend him money. If so, then borrow it. Then think about whether he would lend it to you if you ran out of money one day. The story of Confucius borrowing an umbrella tells us that if he is your friend, he should not ask you to borrow money.

It is the truth to help the urgent but not the poor. Those who violate it will cry in the end.

What do you think about the issue of borrowing money? To borrow or not to borrow?

If it is the best option, don’t borrow.

For people nowadays, it is the uncle who borrows money and the grandson who receives money.

It is easy to lend but difficult to take back.

But it also depends on the individual. If others are really in trouble, or the person borrowing money is of particularly good character, you can still lend a helping hand

Brothers, borrow money. I can’t borrow money, how can I get a loan

The loan amount is small (less than 50,000) through China Merchants Bank. If you are already a user of China Merchants Bank and have downloaded the China Merchants Bank Mobile Banking APP, you can try to get a loan through China Merchants Bank. Log in to mobile banking, click "My" - "All" - "Loans" - "I want to borrow money" and try to apply through this interface. If you meet the conditions for a CMB credit card, you can try to apply for a credit card.

If the loan amount is more than RMB 50,000, if there is a China Merchants Bank in your city, you can try to apply for a loan through the China Merchants Bank branch. Since the conditions and application materials required for each loan project are different, the current loan uses are as follows: Legal personal or family consumption such as car purchase, parking space purchase, decoration, education and scholarships, bulk shopping, travel, etc.; as well as business turnover purposes. You can call 95555 from 8:30-18:00 to enter manual service and provide the loan purpose and city to learn more about the required information. Whether the loan application is approved shall be subject to the comprehensive audit results of the personal loan department of the handling bank.

I want to borrow money from someone I haven’t contacted for a long time and who I don’t know very well. Should I borrow it or not?

Hello! It's better not to borrow it. If you lend it, it's likely that you will be beaten by a meat bun and you will never come back. Thanks for reading!

Can lovers borrow money?

Borrow, otherwise it will be difficult for you to communicate in the future. Of course, it doesn't mean that you have to borrow it, it depends on what he wants to do. In addition, it is recommended that you prepare Dr. Wuyou's first-time detection reagent, which can detect pregnancy 24 hours after sexual intercourse, so that you can make early preparations for getting married and doing that. Welcome to adopt, please contact us if you have any questions.

When your best friend asks you to borrow a car, do you want to borrow it or not?

If it happens once in a while, this situation is understandable. If you can help, try to help. But you have to choose the right method based on the other party's status.

I am always very stable when I give it to the other party, so in this case, I should help. If you usually have frizzy hair, you should consider this.

When borrowing money from Xinkuai Cash, it is most cost-effective to borrow it for a few months. Let me tell you

Generally, it is a one-month loan. The actual usage time is 50 days, and the rate is 1.5%. The annual interest rate is 11%, which is cheaper than other months. . .

Tiezui Laoliang tells you whether you should have a second child

In fact, you don’t need to listen to what “Tiezui Laoliang” says about whether you should have a second child.

Whether it is necessary to have a second child, if policy conditions permit, depends on the couple's understanding of the concept of fertility and their willingness to have children.

For a family, having children is naturally a big deal. As a rational couple, before conceiving a second child, they should carefully consider the family situation and face the current situation, including family finances, age conditions, and marital relationships. , work status, husband and wife's health, parenting environment, etc. Only by considering the above situation clearly before making a decision about whether to have children or not has children, is this the "right way". What do you think?

I hope my answer can be helpful to you.

Cousin, cousin borrows money, do you want to borrow it?

If it is money that has no impact on your feelings, my cousin is a pretty good person, so just borrow it if it is you. If you can't easily afford the money, then don't accept it. If your cousin is not a good person, just give him some money to spend. I would rather offend a gentleman than offend a villain

What do you think of the trouble of borrowing an account in King of Glory? Should I borrow it or not?

In Honor of Kings, you can increase your points by buying new heroes to play in ranked games. Heroes with low proficiency will be matched with teammates who know how to play, regardless of their winning rate. And the enemy won't be particularly powerful. Because the system will not let you play 1.2 heroes until you die. The game needs to be diverse, and I hope everyone can be familiar with many positions and many heroes, so that the game will be playable and most importantly, they can make money, you know.

This is the end of the introduction about Lao Liang talking about credit cards and Lao Liang talking about the blackness of credit cards. I wonder if you found the information you need?