Red financial tips (what can you say about tips to prevent financial fraud)

1. What can I say about the common sense of preventing financial fraud?

As a network financial user, as long as we can achieve "one card, two yards and three elements" and keep in mind "four wants and three don 'ts", we can effectively prevent financial fraud.

A card is to properly keep security products such as bank cards and Internet shields, and don't lend them to others.

These two codes refer to e-banking password and SMS verification code. Don't "one set of passwords goes all over the world", set the password of e-banking as a complex combination of numbers and letters, and modify it regularly. The SMS verification code is a payment password and shall not be disclosed to others in any form.

The three elements are personal privacy information such as ID number, account number and mobile phone number. Don't reveal it at will.

Four, one, look for the official website website. Second, we should always pay attention to account changes and open account change SMS and WeChat reminder services. Three, for electronic bank transfer, payment and other transactions, carefully check the information such as the collection account, merchants, the amount is correct. Fourth, we should kill viruses on mobile phones and computers. Mobile phones and computers that use e-banking transactions should be equipped with professional anti-virus software, upgraded in time, and disinfected regularly.

Don't use public networks. Second, don't click on unknown links and don't scan QR codes. Third, don't believe the so-called refund, loan verification, judicial investigation, commodity refund, point exchange, winning tax refund and other information in telephone, SMS, QQ and WeChat.

2.5 hours familiar with financial common sense

1 As a graduate of Finance University, I have accumulated some experience. I think what deserves our attention is the stock market and the spot market. Whether as an understanding or as an investment, it will help you to gain a foothold in the investment market in the future, or to learn from the spot and manage your personal finances.

If you think the above is deceptive, then you can skip the following, but I sincerely ask those who are interested in learning investment and financial management to continue. ) 2 spot analysis is not so complicated. Spot analysis only needs to look at the K-line chart and the moving average chart. The trend of buying up is on the rise, while the trend of short selling is on the decline, benefiting from both directions. There is no international influence, no market influence, no multiple bookmakers grabbing shares, no Zhuangzi shares and so on.

If your technical ability is excellent, then maybe you can earn your own profit in this industry. In other words, spot analysis should be more concise, clear at a glance and more suitable for technical analysts. At present, the stock market is very unstable, the policies are not good, and there are many negatives.

Not good for stocks. As for the fund, so is the fixed investment. Due to the influence of the market, there are no eggs left, and it is not recommended at present.

Personally, I suggest investing in spot silver, the country's own products, and investing by itself, which is not affected by any foreign capital. Moreover, the volatility is stable, around 7%, which is smaller than the stock's 10%. It is a good choice, and you can also make short orders in both directions. Of course, the choice of varieties must be good, with high popularity, large turnover and good market, which will have a great profit-making effect.

5( 1) stock: Advantages: T+ 1 trading, with market value (unless the listed company goes bankrupt), suitable for single-track, 100% margin quilt cover can wait for the opportunity, suitable for the middle-line crowd Disadvantages: unable to appear on the same day, poor dish washing, limiting the effective use of funds; It can only go up but not down, which limits the trading direction, and the risk of going up and down stops at 10%. Medium recommendation (2) Spot: Advantages: T+0 trading, two-way trading, both ups and downs, play on the same day, unlimited number of transactions on the same day, 20% margin system, 7% ups and downs, and strong risk controllability. Disadvantages of recommendation: hidden, less people know about stocks, (investment is not suitable for large funds (of course, skilled workers do not have this problem, because they can hedge) (3) Futures: advantages: T+0 trading, two-way trading, ups and downs, unlimited access in the same day, margin of about 1%-5%, capital amplification Disadvantages: weak risk controllability, large. It is not suitable for small and medium-sized funds (my friend earns 7% a day). The spot market is in a hidden area of the financial investment market. In foreign countries, there is spot first and then futures, while in China, for various reasons such as developing market economy, it is just the opposite with foreign countries. Therefore, the spot industry is a very special investment industry in China.

The prospect of this industry is very strong. Gold and China cannot be priced, crude oil cannot be priced, and futures cannot be priced. The Ministry of Commerce of China strives to realize independent pricing in the spot industry. This background makes this point develop continuously in the past 65,438+00 years. As a classmate of Caida University, I believe that the background of realizing independent pricing can be strong, and I should also understand that one of the great manifestations of strong economy is that independent pricing can be realized.

However, the development of the spot industry is not smooth sailing, but a slow and gradual process, which has experienced many baptisms, so people don't know much about it, less than stocks and less than futures. However, sooner or later, such an industry will develop and become a leading investment field in China.

The theme of investment products in the spot industry is real, and most of them are agricultural products, such as indium, silver, coal, silicon and so on. For this reason, the government can know the market price to a great extent, which is of great benefit to our investment.

Spot technical support, spot analysis, like stocks, is mainly in two aspects. The actual market price has always been called basic analysis, and the second is that the investment market price is called K-line analysis. I believe that anyone with stock knowledge knows K-line analysis. Why do you support the spot market? Fundamentally speaking, first, the strength and prospects of the industry; Second, the use of funds (3W can be used to deposit funds), which means it is suitable for small and medium-sized funds; Third, you can enter and leave the market indefinitely to earn the difference; Fourth, it can buy up when it falls, buy down when it rises, and make money by shorting when it falls or pulls back. This is the two-way trading system mentioned above.

There are risks and benefits in the investment market, and it is this reason that attracts different people. To make a good investment, we must have a solid basic skill.

For stocks, combined with my personal experience in recent years, I must first pay attention to: internal factors (1), the trend of PetroChina and Sinopec (2) the selected stock industry, the sector to which it belongs, the national policy (3) the market value of the stock, the size of the circulating market, whether the stock is active (4) the banker's shareholding, the early consolidation and the overall swing (5) the K-line chart. Take profit point external cause (1) international financial trend (2) US stock trend The above points are some foundations. Of course, there are many details. Welcome friends who need to communicate to discuss and study. If you do stocks, you can combine these to better control risks and earn income.

In the same way, it is the same to do spot work. However, spot analysis is not that complicated. Spot analysis only needs to look at the K-line chart and the moving average chart.

The trend of buying up is on the rise, while the trend of short selling is on the decline, benefiting from both directions. There is no international influence, no market influence, no multiple bookmakers grabbing shares, no Zhuangzi shares and so on. If your technical ability is excellent, then maybe you can earn your own profit in this industry.

In other words, spot analysis should be more concise, clear at a glance and more suitable for technical analysts. Finally, please remember that the investment market is risky, so investment is risky. It is not too much to say that you need to be cautious when entering the market.

When you feel that the stock market is too slow and wobbly, or you have a good position in the spot market, you can enter and leave every day to celebrate the gains. When you count books at the end of the day, you may be proud of your progress.

3. Financial tips How to manage money

First, do a risk assessment to see what kind of venture capitalist you belong to.

2. Classification of wealth management products: one is cash pool, also known as fixed income (the most obvious feature is the online banking version of wealth management products, such as 28-day, 46-day, 96-day and 186-365-day versions). This wealth management product is the safest, and the expected benefits to customers can basically be achieved. Generally, the choice of this kind of wealth management products is to log in to personal online banking and choose the wealth management with the smallest risk coefficient.

3. Classification of wealth management products: Structured wealth management products invest the funds raised by customers in other financial instruments, such as stocks, foreign exchange and gold. , so its income is often interval income, such as 4.5%- 12.5%. For example, based on the Shanghai and Shenzhen stock indexes, the base of the day is 2000 points, the upper limit is 2200, and the lower limit is 188.

4. Generally balanced and conservative wealth management customers suggest choosing fixed income products. Aggressive customers can choose structured financial management. Of course, they should cut into the purchase according to the current economic situation, otherwise it is easier to hit the lower limit and reach the lowest income or even loss.

5. Finally, when purchasing wealth management products, you must ask the wealth management manager whether this product is a fixed or structured wealth management product, what are the structurally linked financial derivatives and how to calculate the rate of return. Only when you have a comprehensive understanding can you find a financial product that suits you.

4. What are the tips for family finance?

Hello, the premise of family financial management is to do a good job of keeping money first. In normal life, we should spend the money we should spend, not the money we shouldn't spend, and spend rationally.

In terms of making money, it is recommended to do the following:

First, the family has a fixed income every month, and it is best to increase the income every year, so that the savings at home will naturally increase, which is also a way to make money again.

Second, family insurance protection should be done well, which can help and avoid the family economy from being affected when the disease comes. It's kind of making money.

Third, Qian Shengqian. At present, there are many kinds of wealth management products on the market, including securities, funds, foreign exchange, futures, real estate investment and so on. However, when choosing these products, we should grasp what these financial products are, and find out what their characteristics are, whether they are suitable for the family's risk tolerance, whether they are suitable for investment and so on. , and then choose the most suitable product. Don't follow the trend.

5. Are there any lively financial jokes?

1. A gecko got lost at the gate of the securities company when a big crocodile just climbed up from a distance and prepared to eat it in one bite. In desperation, the little gecko hugged the crocodile's leg and shouted, "Mom!" " "The crocodile was shocked, and then burst into tears:" Son, I just lost weight in the stock market for half a month! "

At the party, someone introduced a stock trader. It is said that stock trading has become a millionaire. He immediately stepped forward and asked the master what the secret of stock trading was. What's the secret of a master with a blank face? I used to be worth hundreds of millions.

Investment and financial management skills 1: bookkeeping

Everyone knows that it is not difficult to keep accounts for a week, and it is not difficult to keep accounts for a year, two years or even a lifetime.

In fact, as long as bookkeeping is a habit, it will become a part of life after a long time. We talk about financial management in order to better design and plan our life.

Let us live a better life, then accounting is to let us know our cash flow, let us know which ones are more expensive, which ones are unnecessary and which ones are more valuable. Therefore, if you want to manage money, the first thing to do is to keep an account first.

Investment and financial management skill 2: live within your means

After accounting, we know that some money is spent inexplicably. In a month, you spent a lot of snacks, and a lot of clothes were left in the cupboard, barely worn, a bunch of useless things.

Some things don't need flowers at all, so financial planner Jiafeng Reid suggests asking yourself when you buy something, do I really need it? Then count to ten. In fact, most of you will know that this is unnecessary.

Of course, you have to understand the difference between "want" and "need". Financial management must be rational and restrained. Restraint now is for a better life in the future. Just like rest is for better work!

6. What are the tips for getting started with personal finance?

1, learn financial management knowledge

If you want to make a breakthrough in personal investment and financial management, you must learn more skills. To systematically learn the basic knowledge of investment and financial management, you can buy some financial magazines, financial magazines and so on. These are all good choices, which enable us to flexibly use the financial knowledge we have learned in real financial investment, gradually form our own unique financial management style and choose the financial products that suit us.

2. Have an account at hand

Now is the era of mobile Internet. We have financial management opportunities anytime and anywhere. We can use our spare time to record our daily expenses through mobile phones and make a detailed analysis every week or quarter. Those expenses are necessary and those are unnecessary. Over time, we can master the law of personal consumption, so as to avoid excessive consumption, which plays a very important role in personal investment and financial management.

3. Reasonable planning

In the case of planned assets, rational allocation of investment can increase wealth. We should plan our living expenses reasonably and learn to spend money to earn more money. Reasonable planning of idle funds. Use it as much as possible to improve the efficiency of the use of funds. Let wealth increase in value.

4. Short-term investment

The working class often has less time, relatively fixed income and relatively conservative personal investment and financial management. If you don't have much time to manage your investment, you should at least understand the principle of financial management and choose to buy some financial products with short term and relatively stable income. Comparatively speaking, it is more cost-effective than the survival period.

Step 5 reduce debt

It is necessary to reduce the consumption of overdraft behaviors such as credit cards. Take tomorrow's money, use today's money and advance future wealth, which means that every time we swipe our credit card, we have an extra debt. If we don't pay back on time, the high interest rate will make you bear more debts. So try to reduce the consumption of this behavior.

6. Reduce high-risk investment.

The risks associated with general high-yield wealth management products are also quite high. For personal investment and financial management, if there are not many idle funds, it is recommended to choose low-risk and stable-income financial products. Because once the investment fails, we may lose everything, which ordinary people can't afford. Therefore, it is necessary to reduce high-risk financial investment products.

The above is the introductory knowledge of personal investment and financial management that I shared. I hope that everyone will pay more attention to the above aspects when conducting personal investment and financial management, and choose a suitable financial management method according to their personal financial management goals.