Needless to say, this phenomenon is indeed very common, especially for young temporary workers. To be honest, it is really short-sighted, but you can't blame them! It is caused by many reasons! But five insurances and one gold are really important, especially five insurances. How important is five insurances and one gold? Since it is important, why don't these young people want five insurances and one gold? What are the benefits of five insurances and one gold?

First, social security

Actually, at least a little online search will show the importance of social security! However, many young people's understanding of social security only stays at that little pension, thinking that the monthly pension is so little, it is better to save money for the elderly, but it is not the case!

1. There is a pension after retirement, so it goes without saying. Pay more and get more, how much is a subsidy, and the most important thing is to resist inflation! For example, now you save in 1 yuan every month for retirement. By that age, your 1 yuan is estimated to be worthless. As for the pension, it will increase every year with the rising price and consumption level, and it will be subsidized, which is incomparable to saving money by yourself, especially for front-line workers and temporary workers in factories.

2. After the pensioner dies, the family members can also receive funeral subsidies, pensions and the balance of personal social security accounts. This is extra, and there is no such treatment for saving money by themselves.

3. Reimbursement for daily medical treatment. Needless to say, no one can guarantee not to get sick, but it will cost a lot of money to go to the hospital. If there is medical insurance, it will be different! It also includes maternity insurance for female employees to have children.

4. If you are suddenly dismissed or unemployed in the future, you can also receive unemployment insurance benefits.

5. If people with social security want to borrow money, the amount will be higher and the loan will be faster under the same conditions, which is a plus item in the credit information system.

Second, the housing accumulation fund

Many people just say, anyway, I don't want to buy a house, so why pay this! In fact, this is the stupidest idea!

1. The company will pay you extra money for the housing accumulation fund. For example, if you personally undertake 5 yuan, the company will hand it over to 5 yuan, and 1 yuan will be in your account.

2. Even if you don't buy a house, you can get 6% by renting it, that is, you can get 6 yuan, so you can not only get your own money, but also get more 1 yuan. Isn't that nice?

3. This is different from social security. If the housing provident fund is cancelled in the future, all the money in it can be withdrawn, including the company's part. At least that's the current policy

4. Housing provident fund can also be used for medical reimbursement. Many cities in this city have this policy, but most people don't necessarily know it.

6. With housing accumulation fund, the loan has the same advantages under the same conditions. Why do young people prefer hourly jobs to five insurances and one gold?

first, young people have no pressure and high consumption. Because my parents are still young, they can give financial support, and there is no pressure from their children. In addition, they are healthy, so they may not go to the hospital once a year. Therefore, they don't feel the benefits of social security. Instead, they think that it is not cost-effective to deduct hundreds of dollars every month to pay social security, and they don't have enough money to spend every month. It is better to take a drink and sing a K in their own hands.

second, eating without culture is a loss! There is no other meaning in saying this, just talking about the matter. Many of these people have graduated from junior high school, so they will not consider the problem so comprehensively, and they will be easily guided by some news on the Internet. For example, if social security pays a loss, is it not fragrant to save that money every month and support yourself? In case of death in the future, isn't social security paid in vain? In a word, all kinds of mixed news make these people unable to distinguish. Plus, seeing the old people in their hometown, they pay 2 yuan's old-age insurance every year, and only receive a pension of more than 8 yuan after retirement, so they are more determined. And they never understand the real function and principle of social security.

here, due to cultural restrictions, their vision and pattern are affected, and they may only see things in the last two to three years! They never thought about what to do if their parents are unable to support them one day, and what to do if their parents are ill and hospitalized; They never thought about what to do when they get married and have children, what to do when they encounter unexpected things, and what to do when they are old and have health problems; They didn't even think about the coming family in the future, their children's future expenses, marriage, etc., but only for their own comfort at present! Perhaps, people will not know the importance until they reach a certain age and situation!

Some friends of front-line employees over 4 who I contacted were young people, and those who thought they were handsome before did not pay social security, and now they are beginning to regret it, asking me how to make the company pay social security, and so on.

Here is a true story to illustrate this truth. I once had a colleague's father. When he was in his fifties, he often coughed and gasped because of smoking and drinking. His mother and he both advised him to give up smoking, otherwise he would not live long. As a result, his father said, "Don't treat me when I get sick. If I die, I will die. Just bury me and don't give you any trouble!" After coughing and bleeding, he still doesn't care. Later, I took him to the hospital for a check-up. In the middle and late stage of lung cancer, I need chemotherapy and radiotherapy, and it costs 3, yuan at a time. After treatment, it is estimated that it will cost 1,-2, yuan. It is said that I may live for a year at most. At this time, I said tearfully, "You must find a way to let me do chemotherapy. I don't want to die yet!" " And immediately quit smoking and drinking. In the end, his family spent hundreds of thousands of dollars to operate on him, but he died a year and a half later!

In fact, the reason is the same, and so is paying social security. Young people don't care at all until they reach that age!

But now is the Internet age. Although our culture is not high, we must learn more about this knowledge, prepare in advance while we are young, and don't regret it then!

Just like you earn 6, yuan a month without insurance or 4, yuan with insurance, which is more cost-effective for you when you get old?

if you choose those who earn 6 yuan a month, most of them are young people who have never been beaten by life. I chose it like this when I first got a job 1 years ago. Not only did I choose it like this, but 9% of my peers were willing to choose it like this. Why? For the 6 yuan you got, what a simple thing. It's like buying a roast duck on the roadside and giving you a whole one for 2 yuan. And you go to the restaurant and give you half a 2 yuan. Which one do you choose? For social people who have been beaten by life, when you have experienced all kinds of life, you are not only strong and tough inside, but also pay more attention to quality than quantity in the choice of goods. You are willing to spend more money, to put it bluntly, in exchange for better quality goods, so as to improve your quality of life. Because at this time you have wealth and confidence, and you are not short of money. For young people who have just entered the society and just finished asking their parents for pocket money, their needs are different. Some of them want to save their own money, while others want to use all their monthly labor remuneration for their immediate needs. For them, the money they get is the realization of labor. Instead of five insurances and one gold. In other words, five insurances and one gold are useless to migrant workers who have just entered the workplace. In their early twenties, they can eat and sleep soundly, and getting sick is just a cold and fever for them. Even if you hold the medical insurance card in your hand, you won't go to the hospital to make an infusion bag or bottle because you feel a risk. For 3+ or even 4+ social people, there are old people and young people, and they have regular physical examinations every year. They are deeply afraid that their health will go wrong, which will not only bring down the economic support of their families, but also drag down their wives and children. Moreover, in the eyes of 3+ professionals, employers are willing to fight for an interview opportunity as long as they pay five insurances and one gold. Because people grow up to a certain stage, it is bound to need to buy a house, and the interest on provident fund loans is lower than that on commercial loans, so that you think that provident fund is simply an angel caring for you as a house slave. And people in their early twenties can't afford to buy a house anyway. For things that can't be reached, it is equivalent to drawing a cake. I saw it, but it doesn't mean I'm greedy.

is it really important to have five insurances and one gold? For a person who has been through it, I can definitely say that it is very important, which is a guarantee for a person's future life.

Your colleagues don't want to become full-time, saying that if they become full-time, they have to pay insurance, and their wages will be reduced. There are also young people who prefer hourly jobs to formal jobs. If you ask me, they are really short-sighted.

why do you say that?

On the surface, to become a full-time worker, you have to take out five insurances and one gold, and his income will change a little, but this is a reserve for the future. It is precisely because you have taken out five insurances and one gold now that you will have a fixed income when you reach the retirement age, which can guarantee your life when you are not working. Just like now, I'm retired and don't have to go to work. I still have a pension of more than 4 thousand yuan a month, which is enough for my normal life. If you don't take out five insurances and one gold, when you are old and can't work in the future, you will really confiscate it. What will you do then?

one more thing, if you don't get five insurances and one gold, you won't have medical insurance. If you get sick, you have to go to see it yourself. If you are unfortunately seriously ill, it is estimated that you will have to take all your wealth, and this may not be enough. What will you do then?

another thing to note is that you have five insurances and one gold, of which the old-age insurance and medical insurance are all paid by the unit, and the individual pays a small amount. The housing accumulation fund is half of the unit and the individual. So in any way, it's cost-effective for you to get five insurances and one gold. Young people must not be blinded by immediate interests and make a very unfavorable choice for themselves, because your choice will not only affect you, but also your family.

Therefore, when doing anything, young people should not only look at immediate interests, but also make long-term plans and make some preparations for their future.

at this stage, don't ignore this problem. Some people do this, which can only say that some people don't know enough about the importance of five insurances and one gold, and they are short-sighted and only care about immediate interests.

Let me give you a simple example. In 1992, when the old-age insurance system was just established in China, I led the staff of our department to preach at the grass-roots level about the policy of paying five insurances and one gold. However, some grass-roots leaders didn't buy it at all, and they all paid 6% of the old-age insurance base to their employees.

At that time, there were ten branches in our grass-roots unit, and the pensions of those who worked in the government offices were all paid by 1%. There were four or five subsidiaries, all of which were paid according to the minimum base. As a result, when they retire, those who work in government offices will get an extra 4 to 5 yuan in monthly pension than those who work at the grass-roots level.

China's payment mechanism is "if you pay more, you will get more, and if you pay longer, you will get more." When you are on the job, you pay the old-age insurance according to the regulations, and you can reach the retirement age stipulated by the state in 15 years, and you can receive a little amount of pension every month. It is a matter of paying on time and benefiting for life.

I don't know if you have thought about it. Now some people are young and have physical strength. They can work a little more and earn more every month, which is ok. But when you are old, you can't work over 6 years old. You have no source of income. What do you take to support the elderly?

As the saying goes, "People who have no long-term worries will have near worries." It's a good thing to participate in social insurance. In case of any minor illness or major disaster, the insurance department can reimburse part of it for you. It is understandable to earn more money while you are young, but if you ignore the importance of five insurances and one gold and don't participate in pension and medical insurance, it will be individuals who suffer.

Five insurances and one gold are really very important. Although the welfare of workers in today's society is basically a mess, which is the bottom standard in social development, this kind of welfare is very low. If you don't have it, you really can't do it in the future. If you don't have the ability to manage money or certain assets, in fact, five insurances and one gold are still very important for an ordinary person, at least for your own future.

Nowadays, many people think very clearly. On the one hand, we often talk about the aging population, on the other hand, we sometimes delay retirement. Some workers of a certain age think that their health is not good either. On the surface, they are delaying retirement, but for themselves, they are delaying the payment of pensions. They used to be 6 years old, but they turned out to be 65 years old. So what will I do in these five years? I was doing odd jobs until I was 6. As a result, you gave me my money back, and then it took five years to give it to me. For these people, they don't want to pay any more. I'd rather have the odd job money entirely for myself and be at my disposal. At least I won't suffer.

In fact, the five risks are very important to the middle class. The rich and elite don't look at this at all, because they have already realized wealth freedom and solved their future pension problems through other means. How many houses, how many companies, how many stocks. For the bottom people, although it is very important for them to have five insurances and one gold, they may not be in the mood, and the latter may not have the ability. What many people may not know is that there are many people in this society who are very contradictory about the payment of five insurances and one gold. Because I earn very little money, I have to pay five insurances and one gold. In fact, my life will be affected by this little money. This is not an example I made up all day.

At the same time, there are some young people who have no real skills and can't really support themselves in society. For them, the money is the most important thing now, and they dare not think about it in the future, let alone pension money, even if they get married, talk about their girlfriends and have no money to eat and drink. Of course, if you can earn some money yourself, you must satisfy your current desire for life.

At present, the problem of hidden unemployment in society is very serious. Although our registered unemployment rate is lower than that in the United States on the surface, the quality and quantity of people who are actually employed are not high. In order to make ends meet in real life, quite a few people have sacrificed their pensions and other five insurances and one gold. Because in the eyes of many people, there is no way. At the same time, in the eyes of these people, as long as they can pay a minimum amount, they can receive the minimum standard pension in their old age and live, which is not easy.

However, the overall environment is successful in getting rid of poverty, so you can't hear the voices of these people at all. It can be said that in some people's eyes, these people are actors crying poor there. For others, these people are not bad, they are not diligent and deserve to be poor! Or for those people, these people are just a burden that should be abandoned by social development, and they can't get on the table anyway. In the end, it's just two words, mutual harm, right?

not now.