One of my middle school classmates worked as a small building contractor, opened a building materials store and worked as a home appliance agent. He also made millions from ups and downs, and then his business was bad and he stopped.
When having dinner and chatting with a relative, after knowing his current situation, the relative asked him if he would like to do the business of making building materials packaging films. It turns out that his relatives are the owners of a large building materials manufacturer. The cement, various insulation boards and aluminum alloy materials they produce need a lot of packaging materials during storage and transportation. Now they are all purchased by bidding from the market. Relatives are interested in co-organizing a building materials packaging factory with him. According to their estimation, the factory needs nearly two million yuan, and the investment can be recovered in one and a half years. They agreed that the investment should be shared by two people, and 90% of the products should be underwritten by relatives. The students will be solely responsible for the production and the remaining 10% sales, and the profit will be divided 50/50. Now it is the eighth year that they set up a factory together, and the students have earned more than 5 million yuan.
An old friend I know works in a cultural center. He is not a busy post such as managing files and drafting documents, but he is good at capturing market information. In 2002, he took a fancy to the facade house built in a residential area in the city center. He was in the downturn of the real estate market at that time. Because of the high cost of land acquisition and tight capital turnover, he was eager to sell his house. He seized the opportunity to negotiate with the developer, bought two sets of ***400 at a price of 3,600 yuan per flat, raised 200,000 yuan by himself, borrowed hundreds of thousands from relatives and friends as a down payment, and borrowed all the rest from the bank. As a result, in 2003, real estate began to heat up, and the price of land taken by real estate developers from the government rose sharply. In 2004, the gatehouse he bought rose to 8000 yuan per square meter, and he made a decisive move. In addition to paying off the loan and bank interest, he earned more than one million yuan, and suddenly became a millionaire from a wage earner who had no worries about food and clothing every year.
At the beginning of this century, several state-owned commercial banks began to implement the shareholding system reform, and their outlets in factories, mines and towns were compressed and merged, and their business offices were disposed of by bidding. The neighbor's eldest son is engaged in pastry production and wholesale business. Next to his shop is a branch of a bank. The location of this branch is very good. This is a business hall facing the street. The upper and lower floors are about 500 square meters, followed by nearly a thousand square meters of office buildings and single dormitories, and there is a yard of more than 500 square meters in the middle. I heard that this branch was going to be cancelled, so I asked someone to ask if the property was also handled. Finally, it won the bid at the price of 6.5438+0.9 million yuan. His son moved the production and wholesale of cakes here, and the extra houses began to do catering. The annual operating income is several million, and the fixed property has appreciated to more than 10 million.
Generally speaking, whether you are engaged in business or financial management, you must not be afraid of risks if you want to have better income. The so-called high risk leads to high returns, but high risk is definitely not a blind adventure, but an opportunity to try after weighing various subjective and objective factors. Some people want high returns and are afraid of taking risks, which is never possible. Second, don't put all your eggs in the same basket. Learn to diversify financial investment and pursue the maximization of comprehensive income. The risk and income levels of various investment channels and wealth management products are different. You can allocate your own funds according to your risk preference, such as bank deposits, funds, insurance, gold, stocks, calligraphy and painting, real estate, futures, industry and so on. The third is to cultivate a pair of eyes that are good at discovering. In fact, there are many opportunities to make money. The key is whether we can find and seize these opportunities in time. This requires learning in practice and constantly summing up practice in learning. After beating and exercising, it is easy to use Qian Shengqian!
Let's tell a story first
One day, a young man came to the palace and said that he was good at playing chess. .
The king is also a chess fan. After a fierce battle, the young man really won the king, and the king was convinced of losing. He said, young man, what reward do you want? The young man thought for a moment and said, I'm not greedy, so I put some wheat on the board where we play chess and bring it back to me. Put one wheat in the first grid, and twice as much wheat in the second grid until the chessboard is full.
The king thought that a grain of wheat was only worth a few dollars. How much wheat can be put on such a small chessboard? Just say no problem. But the king has a problem. He realized that even giving him all the food in the treasury would not be enough to reward him.
The chessboard has 8864 squares. According to the requirements of the young man, in the last square, you should put 2 to the 63 rd power of wheat, which is more than 9 million megabytes of wheat, followed by 18 zeros!
Everyone should have heard of this story ~
Mm-hmm ~ I want to say that this story actually tells us clearly that compound interest is the biggest profit weapon for our investment and financial management.
Now that you have the principal, you may wish to study investment and financial management systematically. Huo Siyan, the star, doesn't say that all expenses at home are managed by himself.
There are many kinds of financial management, such as funds, insurance, stocks and so on. But remind everyone, we must study systematically and have a sense of risk, otherwise the loss will outweigh the gain.
What is the easiest way to make money in this world? Is to Qian Shengqian.
Let me give you an example. Feel it.
If you don't have any savings, you work 5,000 yuan a month and earn 60,000 yuan a year.
And I have a deposit of 1 ten thousand yuan. I can buy a wealth management with an annual income of 6% in the bank. Even if I don't go to work, my financial income is 60 thousand a year, which is the same as your hard-working income for a year. I just lie down and make money.
If I work normally like you, with a monthly salary of 5,000 yuan, then my annual income is 60,000 yuan for financial management and 60,000 yuan for salary, which is120,000 yuan in total, which is equivalent to the annual income of two people.
If your consumption level is similar to yours, that is to say, my annual expenditure is controlled within 60,000 yuan, then my financial management fund in the second year is 654.38+0.06 million yuan. If I buy a wealth management fund with an annual income of 6%, my wealth management income this year is 63,600 yuan.
When you eagerly expect your boss to give you a raise, but the boss doesn't necessarily give you a raise, my income in the second year will automatically rise by 3,600 yuan. Even if our annual salary remains basically the same, my annual wealth management income will automatically rise.
In this way, after 10 years, you still don't have any savings, but my original 100000 has been making money continuously after10 years, and now there is1800000. Moreover, the income gap between us is growing. In a few years, I can stop working, but my income for one year can cover your hard-earned income for two or three years.
Therefore, it is the easiest to use Qian Shengqian. The more initial funds, the easier it is to make money. If billionaires put all their money in the bank, the annual interest will be several million, which ordinary people can't earn for decades.