Now there are signs of a bubble in the stock market, so be alert.

Besides what you learned in school, read some other books on technical analysis.

Memoirs of a Stock Hander, Li Feifo,

The Principle of Professional Speculation, Victor. Spalandy

Technical Analysis of Futures Market

Technical Analysis of Futures Trading Schweiger

Technical Analysis of Stock Market Trends John. Maggie

overview of stock price patterns Bullkwski

Eliot's wave theory Frost

Thirteen Lectures on Eliot's wave theory Guo Xiaozhou

Application of Fibonacci Numbers and Trading Strategies Fisher

Japanese Candle Map Technology Nissen

Stock K-line Dafa Nissen

. Murphy

doesn't read all of them. Choose a few books to focus on.

Be sure to pay attention to stop loss, strictly plan your trading, and stop immediately when the price triggers the stop loss price! ! ! ! Special emphasis! ! ! ! !

After graduation, come out to learn more about financial management and establish the concept of financial management. If you don't manage money, money won't care about you.

Eight Steps to Become a Millionaire

Eight Steps to Become a Millionaire was a best seller in the United States in previous years. Author Carlson systematically interviewed and investigated 17 millionaires in the United States. From their experience of getting rich, he summed up eight steps that everyone can practice and become a millionaire:

First step, start investing now: more than 6% of people in the United States have not even taken the first step of becoming a millionaire. Everyone has a bunch of reasons, but in fact they are just making excuses themselves. No money to invest: Carlson suggests forcing yourself to invest 1% to 25% of your income immediately; No time to invest: why not immediately reduce the time of watching TV and spend your energy on learning about investment and financial management; Worried that the stock price is too high: don't forget, the stock price will always reach a new high.

Step 2: Set a goal: This goal can be any goal, whether it is to prepare the children's tuition, buy a new house or retire comfortably before the age of 5, as long as you set your sights on it and work hard to achieve it.

Step 3: Spend money on stocks or stock funds: "Buying stocks can make you rich, but buying government bonds can only keep your wealth". The millionaire's experience is: don't trust those things such as gold and rare collectibles, but focus on stocks, which is the beginning of building wealth.

from the long-term trend, the average annual return rate of stocks is 11%, while that of government bonds is slightly higher than 5%. If you invested $1, in stocks in 1925, it was worth $2.35 million in 1998, and the reason for buying stocks is obvious.

Step four, get a first base hit first, and don't be too arrogant: if a baseball player only wants to hit a home run, the result will be that the probability of being struck out is higher than that of a player who only wants to hit a hit. The same is true of stock market investment. Millionaires don't get rich by investing in risky stocks, they invest in ordinary blue-chip stocks. Slowly, but with low risk.

Step 5: Fixed monthly investment: Investment must become a habit and a monthly homework. No matter how small the investment is, as long as it is fixed monthly, it will be enough to make you surpass more than two-thirds of the people in the United States, because they spend endlessly and don't think of investing until they are old.

Step 6: Buy stocks and hold them for a long time: According to the survey, 3/4 millionaires have bought stocks and held them for at least five years. If stocks are bought and sold too frequently, not only do you have to take risks, but you also have to pay high capital gains tax, transaction fees, brokerage commissions, etc. "The more transactions, the less you will get rich, the more traders will get rich."

Step 7, treat the tax bureau as an investment partner and make good use of it: it is not constructive thinking to dislike the tax bureau. It is a positive approach to treat the tax bureau as your own investment partner, pay attention to the new tax regulations, and be good at using tax-free investment and financial management tools to make the tax bureau an assistant for you to get rich.

Step 8: Limit financial risks: The lives of millionaires are mostly boring. They don't like to change jobs, get married only once, don't have a lot of children, usually don't move, buy stocks and hold them for more than five years. Life is not too unexpected or fresh, and stability is their common feature.

Wealth management is a "marathon race" rather than a "1-meter sprint", which is more about endurance than explosiveness. For investments that are unpredictable in the short term and have high returns in the long term, the safest investment strategy is to invest first and wait for opportunities before investing.

Carlson gave an example of a millionaire at the end of the book. The rich man's annual salary never exceeded $46,, he didn't inherit a large inheritance, and he had a wife and children to take care of. He was the kind of ordinary person that you and I would meet every day when we went to the supermarket, but he persisted in following the above eight steps and finally became a millionaire.

Everyone can become a millionaire: financial management can be thoroughly understood in three sentences (the best)

Financial experts tell us that the best way to manage money is not to pursue superb financial investment skills. As long as you master the correct concept of financial management and persevere, everyone will become a millionaire in a few years.

I hold an hour-long free "financial management seminar" in the enterprise every month, which has always been very popular with employees. The content of the lecture rarely involves complicated and difficult technical operation, and almost does not enter the product introduction link, because as far as I know, the average middle-class white-collar workers in China generally lack several important financial concepts at present-these concepts will affect their future behavior. If they can honestly implement these financial concepts and persist for at least 1 years, then everyone can become a millionaire.

the first concept of financial management:

distinguish between "investment" and "consumption"

distinguish between "investment" behavior and "consumption" behavior. Before ordinary people consume, there is no such concept. People who study economics will consider whether this consumption belongs to "investment" behavior or "consumption" behavior before consumption.

Let's look at an obvious example first:

Ten years ago, A and B were undergraduate students, and after five years of social work, they all saved 3, yuan. Five years ago, they all spent this 3 thousand yuan.

A went to Tongzhou to buy a suite.

b went to buy an Audi.

Today, five years later:

A's house has a market value of 6, yuan.

b's second-hand car has a market value of only 5, yuan.

The assets of the two people are obviously very different at present, but they all have the same income, the same education and basically the same social experience. Why are their wealth different?

spending money to buy a house is an "investment" behavior-the money is actually not spent, it is just transferred to the house, and it will still belong to itself in the future.

spending money on a car is a "consumption" behavior-the money is spent and given to others, and the used car is almost worthless after 1 years of use. Cars are different from houses. After 1 years, houses may have been turned over several times.

Look at the second example:

One day, my secretary asked me a question: Miss Chen, I think Client A is a bit strange. She said: Client A went to buy a concert ticket. 3 yuan thought it was too expensive. He hesitated for a long time and never bought it, but Client A was not short of money. But once, the president of a famous enterprise published a set of "teaching management" CDs, and six CDs sold for a sky-high price of 15 yuan, but client A did not hesitate to buy it. Why did client A buy several CDs for ￥ 1,5, even though the singing ticket for ￥3 was too expensive?

The answer is as follows: Customer A applies his knowledge of economics to his daily life. When Customer A spends money, he first thinks whether it is an' investment' behavior or a' consumption' behavior.

buying CDs, this 1,5 yuan is an "investment" behavior, but it has not been spent. It has increased customer A's knowledge and made customer A more intelligent. In the future, customer A will earn back several times of 1,5 yuan with his newly learned wisdom, and the money will still be in customer A's pocket.

But buying concert tickets is an act of "consumption". It is given to others and can never be taken back.

In life, there are more daily examples:

(1) Customer A will spend 3, RMB on an oil painting, but not 3, RMB on a used car.

(2) client a will spend 1, yuan on life insurance, but will not spend 1, yuan on a holiday in Europe.

(3) Client A will be willing to spend money on books, but not on movies.

which of the above behaviors are "investment" and which are "consumption", everyone will have his own judgment. Here are more examples. If it is an "investment" behavior, then you don't have to bargain, because the money will eventually belong to you.

Rich people are "smart with little money", while ordinary people are "smart with little money"

"investment" behavior "consumption" behavior Real estate

national bonds

bank products

running industries

collectibles

cars

buying clothes

food. The money spent on "investment" behavior did not fall into the hands of others, and finally returned to himself.

The second concept of financial management:

"Harvard" dogma

Everyone saves part of their salary every month. Some people save 1% of their salary, some 2% and some 3%. Most people save the money they haven't spent after a month, and how much they save every month is basically unknown.

In Harvard University, the first class of economics, only two concepts are taught.

the first concept: spending money should distinguish between "investment" behavior and "consumption" behavior.

the second concept: save 3% of your salary every month before spending the rest.

The people taught by Harvard will be rich in the future, not mainly because they are from famous schools and earn a lot of money, but because their monthly behavior is only a little different from that of ordinary people:

Harvard dogma: saving 3% of salary is a hard target, and spending the rest. The money saved every month is the most important goal every month, and it will only be overfulfilled, leaving more and more money.

ordinary people: spend money first, save as much as you can, and there is not much money left.

The third concept of financial management:

"Three sentences about financial management"

There are three sentences about financial management. If every sentence can be thoroughly understood and fully implemented, then all working people can become very rich.

many friends know the origin of client a-refugee, with nothing. Studying economics in Canada is also a scholarship. Seven brothers and sisters in the family have no money to send their clients to college. After going to college, they have never asked their families for money. After graduation, he worked, but client A adhered to the principle of "three sentences about financial management" and applied what he had learned in economics to his daily life, and went on step by step. Now, 2 years later, client A has four suites, and he earns more than 1, yuan a month by collecting rent, which is considered as a half-rich person.

In fact, everyone can do it, and make this secret public here. In the past, these important financial concepts were taught in the course.

Let me give you some more examples: Buffett said in his book that he started saving at the age of 6, with 3 yuan a month. At the age of 13, when he had 3, yuan, he bought a stock. He persisted in saving and investing year after year, and he persisted for 8 years for ten years. Now 85 years old, he is the richest man in the United States, and has more money than Bill Gates, chairman of Microsoft.

students sometimes ask how to achieve a rate of return of more than 1% per year. A: Actually, it is in banks now. They provide many wealth management products: funds, foreign currencies and QDII. These banking products are a little risky, but if you can manage them effectively, a 1% return rate is not difficult. Of course, if you don't have professional training, you will touch it yourself and you will lose a lot of money. But you have two ways:

(1) spend some money to learn.

(2) If you don't have time, you can go to a professional financial planner.

To find a professional financial planner, you can refer to several conditions to distinguish their professional qualifications:

(1) Certified Financial Planner: China Certified Financial Planner (CFP). The public examination was held in Beijing in 25, and now many bank employees are taking it. The qualified rate is low, and there are not many qualified people in the bank for the time being.

(2) have more than 1 years of financial management experience. However, others who are interested in learning more about financial management can take an open course, and the cost is only a few hundred yuan. The cost of participating in the study is an "investment" behavior, and it is not "spent". It will still belong to you in the future. After studying, you will not be "smart with small money and confused with big money".

The general people's wrong concept of financial management:

They earn a lot, so they are rich

Many people think that if A earns 15, yuan a month and B earns 8, yuan a month, A should be richer than B. This concept is very common in society. But this is a wrong idea, very wrong. What's wrong? The definition of wealth is not how much you earn every month, but how much you have left every month-the rest is wealth. Look at the example:

The monthly salary of Americans is two or three times higher than that of China. According to the general idea, the average American should be richer than that of China. But this is not the case. Most Americans have several credit cards, and they like to spend money. They are not only "moonlight people" every month, but also owe a lot of debts to credit cards. In the United States, financial planners usually spend time talking about "how to reduce your debt"

The average American has less than several thousand dollars in bank savings. In China, there is no such situation. People in China are good at saving, and most people have deposits in banks. There are quite a few people who have more than 1, yuan.

So, don't think that Americans will be rich if they earn more money every month. In fact, the average white-collar worker in America is much poorer than the white-collar worker in China. Of course, many Americans who have been sent to work in Beijing are American elites, not ordinary American white-collar workers, and the rich are in the majority.

Middle-level white-collar workers in China are richer than those in the United States. Remember: Being rich is not a comparison of monthly salary, but a comparison of "savings left in the bank". According to this definition, middle-level white-collar workers in China have much higher savings in the bank than middle-level white-collar workers in the United States.

Another example:

It is generally believed that Taiwan Province people's wages are twice as high as those in the Mainland, so they are naturally richer than us. This is also a wrong idea.

Friends who have been to Taiwan Province know that the average one-way subway in Taiwan Province is 12 yuan, and Beijing is 3 yuan. Taiwan Province has an average lunch in 5 yuan and Beijing has an average lunch in 15 yuan. Rent a suite in Taiwan Province for 65 yuan, and rent a suite in Tongzhou for 15 yuan. If Taiwan Province people earn 15, yuan a month, minus 6,5 yuan for rent, 1,5 yuan for transportation to 1 yuan, 1,5 yuan for eating in 3 yuan and 2, yuan for entertainment, "1 yuan is left every month".

Junior engineers in Beijing earn 8, yuan a month, less tax 1 yuan, less 1,5 yuan for rent, transportation expenses in 3 yuan, meals in 1 yuan and entertainment in 1 yuan, and "3,2 yuan is left every month".

excuse me, is this the channel?