What are the topics of concern to different age groups? Tell me, thank you. This is not necessarily true. The age span of each category is quite large, just as I mainly focus on entertainment, music and troubles. 10+-30+ age and others. Although I pay less attention to it, it is basically the same. Some first-class categories may be more stable, so to speak, at one level.
What is the focus of buying insurance at different ages? People are part of the family. In the life cycle of personal growth, personal growth career planning plays a decisive role in personal financial management, which includes many choices such as study, career, family, residence and retirement. Career planning is like a scheduled journey of life. Personally, we should make good decisions such as academic and career planning; As far as the family is concerned, it includes the family plan when to get married and have children, and the life plan to deal with the growth of family members. Career planning such as family, residence, career and retirement is expected to be realized in different stages of life, which has obvious timeliness. So we divide career planning into six periods according to age.
(1) Exploration period:
This period is about 15-24 years old, which is the preparation period for employment. Career planning should start with the choice of universities and majors, mainly focusing on personal interests and specialties, and considering the premise of social future employment loyalty. Whether to pursue further studies after graduating from college, whether to study abroad or at home, the required expenses and expected benefits usually need to be discussed with parents. During this period, most people are unmarried and usually live with their parents or in school dormitories. The focus of financial management activities is to improve their professional knowledge, so as to improve the ability of future income. At this time, the financial income is very limited, which may be pocket money, after-school income, school subsidies and scholarships given by parents. You can just open a current deposit in the bank or post office, or make a small amount of fixed investment in the fund.
In life insurance planning, accident insurance and medical insurance with low premiums are mainly considered, and the beneficiaries are usually parents. For students, comprehensive insurance can be purchased during school, including illness or accidental death, accidental disability, accidental injury and hospitalization. For singles, you can consider taking out term life insurance of 65,438 yuan+0-200,000 yuan, or accidental death insurance of 200,000-400,000 yuan. Insurance expenses range from tens to hundreds of yuan, and usually the beneficiaries are parents.
(2) Establishment period:
This period is about 25-34 years old, which is just the time to enter the society. The choice of the first job is very important, which is the starting point of our career planning. In the meantime, we must seize the opportunity to achieve economic independence as soon as possible. Although the starting point of income is low, there must be a certain growth target. This period is usually also the period when most people choose their spouses, get married and have children. Because of the low income and large expenditure during this period, they often need the strong support of their parents economically. In terms of financial activities, after the establishment of young families, both husband and wife should make full use of the two-year double salary and childless period after marriage, increase the savings rate in a planned way, and accumulate the down payment for buying a house. Investment tools can choose bank deposits, government bonds, funds, etc.
In terms of life insurance planning, the spouse can be designated as the beneficiary after marriage, and the insured amount can be 5- 10 times of the annual income. After the child is born, take the child as the beneficiary, and buy term life insurance with an insurance amount of 2-5 times the annual income, so that there is enough insurance money to provide education for the child in unexpected situations. In addition, you can also buy education insurance for your children.
(3) stable period:
This period is about 35-44 years old, and the career direction should be determined. On the basis of 10 years' working experience, individuals should make clear the direction and focus of their future career development, including whether they are entrepreneurs or wage earners, what kind of industry they are engaged in and what kind of professional skills they will improve. At this stage, children have entered primary and secondary schools, and parents should start to prepare funds for their children's higher education. For families who buy commercial housing through bank loans, installment payment is a major financial expenditure. If the household income has a balance after deducting daily consumption and the first two expenses, the balance can be used to accumulate pensions.
In terms of life insurance planning, if a family has a housing loan, it can buy mortgage repayment insurance or credit life insurance, and its insurance amount is always equal to the loan balance, which is a decreasing term life insurance, so as to ensure that the main income of the family can repay the loan with insurance money under unexpected circumstances and avoid the displacement of other family members due to house liquidation. During this period, the proportion of children's education expenses in family expenditure will also increase, so children's education fund insurance should also be considered. Making arrangements in advance is one of the key factors to ensure children's successful completion of their studies.
(4) Maintenance period:
This period is about 45-54 years old. For the working class, they may have become middle managers, but for the self-employed entrepreneurs, after 20 years of actual combat and accumulation, they have also made certain achievements. During this period, most children are in college or graduate school. Since most of the mortgage loans have been paid off at the beginning of the previous stage or this stage, children's education is well prepared and paid in installments. The main goal of this stage is to prepare enough pensions for yourself and your spouse. Due to the increase in income, the expenditure is reduced, and there is still 5- 10 years to retire. At this time, the investment ability is the strongest and there is considerable strength to bear financial risks. So at this stage, we can consider a diversified investment portfolio.
In terms of life insurance planning, due to the wide coverage and low level of social insurance in China, on the one hand, health insurance is very important for the increasing medical expenses and nursing expenses faced by individuals to protect their age, on the other hand, they should start to buy endowment insurance. The earlier you buy it, the lower the premium you share in each payment period, and the less the economic pressure on the insured.
(5) empty nest period:
This period is about 55-64 years old. In China, the average person retires between 55 and 65. Healthy men can generally work until they are 65 years old, so there is still an empty nest period of about 10 years. During this period, the incumbent of the enterprise is expected to become a senior manager, and the professional and technical personnel have rich experience, so we should focus on cultivating successors and imparting personal skills and experience. Children usually have jobs, live outside or live with their parents. In terms of financial management, we should start planning our life after retirement, gradually reduce the risk of investment portfolio, and increase the proportion of deposits, fixed-income securities and funds.
In terms of life insurance planning, people who have already purchased endowment insurance in the early stage may still be in the payment period, and they still need to pay a certain premium every year or month. If due to the continuous improvement of living standards, it is estimated that the pension provided by the purchased pension insurance is not enough to meet the future life, then you can buy the required insurance again before the age of 60, but the payment will be higher at this time. On the other hand, this period should also consider the issue of inheritance. Because life insurance has more advantages than other ways (such as wills and trusts) in dealing with inheritance, if it is estimated that the assets at the time of death may exceed the collection point of inheritance tax, you can insure a high amount of whole life insurance to achieve the purpose of tax saving.
(6) Pension duration:
This period is generally after the age of 65. After retirement, if physical conditions permit, you can continue to undertake part of the work through re-employment and honorary consultants to give full play to the residual heat. Through early financial planning, individuals can obtain retirement pension through endowment insurance and commercial insurance. , spend your old age. At this time, the children are married, and the elderly can enjoy family happiness. The investment at this stage should be mainly fixed-income investment tools, and avoid risks as much as possible. In terms of life insurance planning, if you buy annuity insurance or change old-age insurance into immediate annuity insurance, and the beneficiary is yourself, then you have already started to receive retirement annuity until your death.
Which book explains what people of different ages care about and what topics they care about? You might as well pay attention to psychology.
Write an 800-word composition on the topic of doing different things at different ages. Yiyi is a fourth-grade primary school student, who proudly wears the captain's sign to school every day. Yiyi's idol is her sister, Keke next door. Yiyi said: "Sister Ke Ke won many awards; She has interviewed many celebrities and published many articles. When Yi said these words, she used three "many, many" in one breath, which made people feel cute.
Keke is a junior high school student in a key middle school. As Yiyi said, Keke is a 100% good sister. She is an excellent student every semester. She is elected as the chairman of the brigade every year and is also a famous "reporter"! However, Keke's idol is Han Han, who won the first prize in the new concept composition contest, but failed the exam six times.
Yiyi never understood why students with all-round development and excellent academic performance like Sister Ke Ke appreciate Han Han. Yi Yi certainly doesn't understand the new concept composition. She only knows "New Concept English", and Sister Ke Ke also learns English well. Yiyi's mother says English is more important than composition. If she learns English well, she can go abroad. A good composition is a writer at best, but a poor writer. Yiyi has never learned equivalent substitution, but she still thinks that Keke is greater than Han Han. Besides, Han Han is a repeat student, which was discovered by Yi Yi later, which made her even more confused.
Coco doesn't understand why so many children worship her. She feels that she is nothing, a normal student, "with hands, a head, a dream and troubles". There are more and more awards, and their status is getting bigger and bigger, but their hearts are not so practical. Almost everyone thinks that Keke will have a bright future when he grows up. Maybe a reporter, maybe more promising. Ke doesn't think so, and she doesn't know what she wants to be when she grows up. It seems that this reporter's path was arranged by others, and that's how she left. As for where she can go in the end, she doesn't know. Sometimes, Keke even envied Yi Yi. She can get upset, lose her temper, jump when she is happy, get angry when she is unhappy, and even cry in the worst case. In fact, Keke didn't listen to the teacher as Yi Yi thought. To be exact, Tang Ke has a long bone on his head. "Just too young to tell." Ke Ke said. On that day, Keke's teacher talked about a man named Han Han, told everyone not to imitate him, and took Keke as a positive teaching material. Keke was bitterly opposed to Han Han by the teacher, but in fact, she regarded Han Han as an idol in her bones.
Eunuchs of different ages * * * The question you asked is wrong. Eunuchs, also known as eunuchs, usually refer to men and women who lost their effectiveness after * * * in ancient China. They are officials who serve emperors, monarchs and their families. Also known as temple people, eunuchs (choosing sons), eunuchs, officials, middle officials, internal officials, internal ministers, internal servants, internal supervisors and so on. Therefore, eunuchs enter the palace in all sizes. When I say palace, I mean the inner palace!
The ancients were poor, and the children of poor families were eunuchs. The master of * * * is called a bodybuilder. It is said that cleansers are passed down from generation to generation to grandchildren, some to their descendants, and some not to others. The teacher who leads an honest and clean life and the teacher who teaches religious enlightenment are the same person, so you should learn from the teacher first, be a teacher for one day and be a father for life.
After being castrated by a body cleaner, he entered the palace to be a eunuch. When you enjoy the splendor, your benefactor is the cleansing teacher. You must respect him before it's your turn to enjoy it.
If you want to learn from a teacher, you must first follow the etiquette. The simplest gift is a pig's head or a chicken and a can of white wine. Those who have no money should prepare at least these three. Of course, the rich said it alone. Rich people spend a lot, and they have to make a contract and sign it before * * *. At that time, in ancient times, it was called a document, like the hospital had to operate, and their family had to write a book to break the knot, so that they were willing to castrate the dead and avoid being sued.
The key is that a clean man should protect his own interests. How can I put it? People say everything should change. You see Li is so powerful as a eunuch. Signing this contract means that the west cow is looking forward to the moon. Maybe one day the eunuch will develop greatly and make a fortune, and Master will be rewarded and make a fortune.
The first intention of the contract is to castrate without compensation; The second intention is that Master is like an investment, hoping that castrated people can be recovered in the future, because when they meet people with no money, Master works for nothing and hopes to be recovered in the future. * * * When they meet rich people, there are two prices, one is the guaranteed price, and the other is the non-guaranteed price.
Guaranteed housing is more expensive, but it is not guaranteed to be cheap. After the price was settled, the contract was signed. People who want to be eunuchs must prepare something. One is 30 Jin of rice, which is enough for one month.
Second, dried corn bones should be used as matches.
Third, hemp leaves, hemp leaves burned to ashes, should be sprinkled on the cut parts, because hemp leaves ashes will not burn to the panel.
Fourth, prepare half a dozen pieces of window paper (about 50 pieces) and paste the windows until they are airtight. If you want to castrate, you should choose a day, preferably spring, January to March, not hot, not mosquitoes and flies.
Because you can't wear clothes after * * *, the clean room is a separate room, and no one lives around, because * * *, it is very pitiful, and it hurts for at least three or four days. Tragically, like killing a pig, no one dared to listen, so no one lived near the clean room. It's a separate room. Being a eunuch calls himself in the room all day, which is comparable to human purgatory! sadder ...
A man castrates himself into a eunuch, which is very pitiful and helpless. It's cruel not to eat the day before he wants to be castrated. I can't urinate for at least one or two days after the operation, no matter defecation or urination. At this time, you should prepare a corn bone, trim it with scissors, and it will be round and smooth. Corn bone is soft and moist, so I have to go to the urethra. It's like putting a plastic pipe, and I can't help coming out of it. It's hard enough. If you don't intubate, urine will just leak out, which will sting the wound.
The eunuch wanted to * * * because it was very painful, and his feet and hands should be tied up like pigs. Don't touch it during the operation and don't touch it after the operation. The bacteria on the hands are very toxic, which can lead to pus, virus infection and even death! Disinfect and clean the lower part of the body before operation. You should drink stinky marijuana and Chinese medicine first. I haven't seen anything, and I don't know what the Taoist priest looks like.
When cooking stinky hemp soup, put two eggs in it. The longer it rolls, the harder the eggs will become. After washing yourself, Master will prepare two fresh pig gall. After drinking this bowl of stinky hemp water, my head and shell will be foggy, my body will be numb, and my flesh will shake like a snake smoking cigarette oil, shaking all the time ... First castrate my testicles, cut two holes in my sac, and then. It hurts just to listen. People who are squeezed must be more painful than death. It is also useful to squeeze out eggs. Take them away and put them in the eunuch's mouth. One egg and one mouth make no sound. When eggs are stuffed into their mouths, they are almost lifeless. At this time, they will contribute, and the abdomen will go all out to the abdomen. When the bidet contributes, it will squeeze out two testicles.
However, when the bitter pig bile is brought, paste the wound and stick it together. It is said that the bitter pig gall paste will reduce swelling and stop bleeding, and the testicles will be squeezed out. Further down, it will be completely castrated. In Beijing, this is called castration. If you want to castrate this place, you must cut the whole plane without leaving any protruding meat. How can I put it? Because the incision is not flat enough, this cartilage will come out another day. If you come out, you have to have another operation. If it's too deep, the wound will heal another day. If it falls, it will become a hole. It will be troublesome to pee, and your pants will get wet. Most eunuchs will have sequelae after castration, and urine will split like a fan! The whole group was castrated, and another egg was stuffed into the mouth. There is no sound in the pain, but it hurts like hell. The following was caught by fiery red tongs, which made people faint!
People are so miserable that they wake up to drink marijuana water. Drinking marijuana will make people unconscious, and they will be as confused as taking anesthetic, No.4 and amphetamine, so it should be drugs. Marijuana is also a laxative. After drinking marijuana water, I have been leaking urine and leaking into my stomach. By the way, after * * *, the wound was covered with bitter pig gall. Pig bile is sticky. After sticking, the bleeding will stop and the inflammation will be alleviated. Leave a small hole to insert the straw when pasting. This tube made of corn bone is like a urinary catheter for him to urinate.
You can drink porridge on the second day after operation instead of eating hard food. The porridge is stuffed with broken balls. Put a tube and suck it up for the eunuch to eat. There is a broken box under the bed, which is used to put shit.
I didn't get up until the third day. At this time, the wound below has not healed, but it has scarred. I have to suffer a little at this time, and I will cramp. Three times a day, my leg hurts badly and I am shaking all over. It is said that if you don't cramp, you will bend over. Since then, your keel is not straight, and you cramp three times a day.
What kind of stroller does the baby choose at different ages? I chose a flat apartment a few months ago.
If you can turn over or climb out by yourself, choose to lie down, because the baby doesn't want to lie down at this time.
In addition, according to the age of the shopping cart logo.
How many tons of different garbage are produced in different ages? I really don't know However, I read a news the other day that there are more than 2,800 landfills, and 70% to 80% of them have polluted the surrounding areas to varying degrees. It can be seen that China produces a lot of garbage every year. The problem is that garbage sorting is not done well enough, and I feel that more publicity should be done in this regard.
What's the use of people of different ages buying ZIPPO? Thank you. Be specific. Hello, lz. I used 6 7 zippo lighters. I have used all kinds. Finally, I either lost my paint, scratched it or gave it away. . . . .
I summarized the following points:
1 Never buy a spray-painted one. After using it, you will find that the paint will come off the occlusal part of the lid. . . . . I also saw my friend's zippo, and I asked him to take off the paint outside. . . . . The yellow shell is ugly. . . . . Don't say what we bought is fake. I bought it when I was studying in England. . . . . They are all genuine products, which are relatively cheap in China. . . . .
Never buy polished ones. To put it bluntly, if you scratch this picture, it is obvious that you don't want to use it as soon as you see it. . . . .
Many styles of Zippo are memorable. The landlord may wish to have a look at the collection, which is still very valuable.
In fact, it doesn't matter what the landlord buys, if it is a collection. If it is second-hand, no one wants to buy zippo. Obviously, after a few months, the paint has fallen off or the surface has been scratched.
Therefore, I suggest the landlord buy a retro one:) I don't have a map at hand and I can't upload it. sorry Zippo has many styles, only a few of which are recommended. The landlord can go to the store to have a look. Try not to buy it online, because you need to look at the surface material. . . . . The above is my experience in purchasing zippo, hoping to help the landlord.
In addition, zippo is famous for its wide application in war, so the commemorative version of zippo with the theme of war is very good and worth collecting:) You can consider it:)
What values do people of different ages accept? A person's values are gradually formed from birth under the influence of family and society. A person's social production mode and economic status have a decisive influence on the formation of his values. Of course, the opinions promoted by newspapers, TV and radio, as well as the opinions and behaviors of parents, teachers, friends and public celebrities, also have obvious influence on a person's values.