I once heard old people say that in the past, when there was a flood in the countryside, it was the poor who suffered the most. It stands to reason that the poor have nothing and are surrounded by walls. Even if they are flooded, how much can they lose? When I have finished my reasons, you may think what I said is reasonable.

Old people say that in the past, rich people mostly built their houses on high ground. In low-lying places, the water has flooded the roof, but the rich man's house with high terrain, let alone flooded the house, has not yet entered the yard! However, this is only the first reason why the rich are not afraid of flooding. So is there any other reason? Yes, I'll list it for you now:

First of all, the poor people have little or no land at all, either renting land from the landlord's family or working as long-term workers for the landlord's family. When the flood comes, no matter how big the water is, it is also the land of the landlord's family, not the land of the poor. So does it mean that all the people who suffer are rich and have nothing to do with the poor? If you ask me, far from it, in fact, on the contrary, the loss of the poor is even greater! Why?

the land of the landlord's house is flooded, and at most the harvest of one season will be lost. However, is there more surplus grain in the landlord's family or in the long-term workers' family? Another, the landlord's land is flooded, and even if the renter doesn't let you pay the rent, your harvest is gone! What about long-term workers? Isn't it completely out of work in an instant, and what does he eat without work? All say: when there is a disaster, the poor will starve to death first!

secondly, the landlord's house doesn't have to say that he lives in a high place, and the house hasn't collapsed. Even if it collapses, he can afford to build it again. But if the poor want to build a house again, isn't it much harder than the rich man's? The result is often: no food to eat, no shelter to live, so we have to bring our families to beg and flee!

thirdly, there are more relatives and friends of the landlord's family than those of your poor family. During the flood, people's grandfathers and uncles rowed big boats to deliver food. What about your poor relatives? Not only do I have nothing for you, I wish I could ask you for it!

even when the seller exchanges food, his rich family has more things than the poor, which is more valuable than yours! The big deal is that people bring gold bars and live in a place where there is no water. Do you have gold bars in your poor family?

In the past, there was a big flood in the countryside, so did today's "big inflation"! What is "great inflation"? To put it bluntly, money is worthless.

if someone says, "haha, anyway, our family doesn't have that much savings, and the money is worthless. What a suck! It would be nice to waste all the money in your rich family. " Then I'll remind you, don't forget, once the businesses of the rich are closed by inflation, who are the unemployed? Some people may say, "Is it better to save your money bag full when you meet inflation?" Yes, it's better to have more money than less, but in case 1 thousand is spent as a dollar in a blink of an eye, you can't eat anything and can't bear to drink the money saved, is it almost like waste paper in a blink of an eye? Wouldn't it be a waste of time to put all the previous days in? !

So, if there really is a flood in Datong, just like what I said just now, ordinary people will be the most unlucky! The possibility of keeping the purse is almost zero! This, the examples of Zimbabwe and Venezuela are not all there!

Global inflation has come and is inevitable. The reason is that affected by the COVID-19 epidemic in 22, most countries have adopted active quantitative easing monetary policy to stimulate economic recovery and ensure employment, especially the US dollar, which is mainly in US dollars, flows through the global market, bringing about the rise of commodities, grain and some industrial raw materials.

Under the background of global inflation, ordinary investors like us need a very clear understanding: don't expect to beat the absolute inflation rate, just beat some inflation.

because for the vast majority of us. For ordinary investors who lack professional investment experience and trading threshold, the mass investment market they can participate in is nothing more than a stable investment market and a medium-and high-risk fund stock, foreign exchange and gold investment market. Among them, a considerable number of prudent investors are tired of risks, accounting for a considerable proportion. They like to invest in risk-free or low-risk markets such as treasury bonds, time deposits and bank financing.

however, it is difficult to beat most of the inflation rate only by relying on the returns of these stable investment markets. There is no official specific data on the domestic inflation rate, but we can get a relatively middle value from the GDP inflation rate and M2 broad money index inflation rate in recent years, which is close to about 5%, and will increase after 22, but it will basically not exceed 6%.

Therefore, it is actually necessary to learn diversified investment methods, or strictly speaking, it is called structured financial management. Plan different financial management according to your risk acceptance and principal, and invest more than half of your total assets in sound investment and financial management, such as the current government bond banks, large deposit certificates or smart deposits of some private banks, and the interest rate can basically be close to 4%.

The remaining funds should be selected in different investment markets according to their risk acceptance ability, such as the current fund investment market, or the stock investment market, including a part of the gold investment market, etc., and they should be selected according to their own cognitive and technical participation ability. However, in all fairness, the most suitable market for public investment should be the fund investment market, especially the index fund with a fixed investment.

In this way, on the premise of washing away most of the risks, it can still effectively improve its comprehensive income return rate, and it can also outperform a considerable part of the inflation rate and keep the depreciation rate of its total assets.

Take consumption as an example. The "ten thousand yuan households" in the 198s are equivalent to today's multi-millionaires.

at that time, ten thousand households thought that interest was enough to spend the rest of their lives.

Today, the monthly salary of 1, is not even middle class.

In 2, the house price in Shanghai was 4, yuan/,which was called "a million luxury houses".

You have an ordinary four-bedroom apartment, which is more than 2 square meters and is worth one million yuan.

properly handle the "millionaire" in TV series.

many people think there is a bubble. A house is a "millionaire", which makes people laugh.

Look now, the multimillionaires have run away everywhere.

However, there is no eternal wealth in this world. But in the short and medium term, there are still traces to follow.

They are all talking about high-quality real estate in core cities and core lots.

after nearly 2 years of growth, the final trend of commercial housing, whether between cities or within cities, is to increase differentiation.

To put it simply, a property used for value-added and preservation must have two points:

First, it is good to rent, and the ratio of rent, house price and income is at the upper-middle level in the city.

second, the liquidity is good, and there are enough takers.

I don't need to say much about this. All the immortals speak very well. But remember, short-term speculation is not fun, it's scary, and long-term investment is ok.

Some people say that the size of this investment target is too large, so I don't have enough money to pay the down payment, and I don't want to bear the pressure of loan.

First of all, houses in first-tier cities are really too expensive, and second-tier cities are equally valuable for investment.

but if you don't have enough money for the second down payment, there's nothing to keep the money bag. Your money is too small to put in the bag.

Go to a better city first and earn more money!

Then, there is another problem. Most people underestimate the cost of "maintaining a lifetime".

If you are 25 years old today, and you want to live to 9 years old, the cost you need for food and clothing in your life may far exceed people's imagination.

Your savings and surplus today are simply not enough for you to live forty years later.

you must work very hard, very hard, very hard.

not to get rich, but just to meet the basic needs of survival.

Finally, seriously talk about other investment products besides houses.

I don't recommend any financial products, stock funds and bitcoin. The risks are huge. Even people with excellent IQ and luck often suffer large-scale losses.

Ordinary people can buy some for fun. If you want to preserve and increase the value, you'd better not touch them.

but there is no way to hoard.

for example, buns and cakes can't be preserved.

For example, domestic service will not only beat inflation properly, but also be the fastest-growing product in the future.

how to store the labor force?

We should invest in our health first, because we don't need those services if we are in good health.

but no matter how healthy you are, you will always be too old to do anything.

what should I do?

children and grandchildren are on top!

many people say that we don't want children, and raising children is too expensive, laborious and uneconomical.

if you don't raise children, you can eat and play enough, work hard and save enough money for the elderly, and go to a nursing home in your later years.

But now you see your favorite nursing home, which costs 1, yuan a month. When you want to live in it, it may be ten times the price.

If you go to a 1,-yuan nursing home again, what will be waiting for you without the support of your relatives?

that's it!

This article is applicable to all middle and lower classes except the rich. The rich class is naturally multi-pronged, and the nature mentioned in my article does not fall.

they have many other operations, not to mention them for the time being.

is "great inflation" coming? What effect will it have? How can I keep my money bag?

Let's make it simple. The United States is printing money, and gold and silver are rising. Just buy some gold to suppress the shock. The price of money is higher than that of banknotes. It is better to hold real money than anything else.

There is no doubt that the bank's interest rate has been lowered, and money has been devalued more and more. So how can a person's wealth not shrink? I think it should not be lower than the growth rate of national GDP. In recent years, the economic growth rate of China has been stable between 6% and 8%. If the annual income of your purse is not less than 6%, it is obviously impossible to deposit it in the bank. The stock market is the place to harvest leeks. If you have spare time, you can invest in the fund appropriately. If you don't know what to buy, gold is also a good choice, which is relatively valuable.

Great inflation exists, and it has indeed happened.

but the inflation in people's livelihood industries, such as food, clothing, housing and transportation, will not increase much, so you can rest assured.

it's all assets that go up. And it won't stop. At present, what is a high-quality asset and what is a poor-quality asset depends on your own identification, analysis and learning.

The gap in life is mainly caused by capital income, and most people's wages are similar.

Therefore, it is still necessary to learn more about how to allocate assets to keep the money bag and make your knowledge worthy of the wealth gained. It is useless to ask others.