Fortunately, although I woke up late, I learned quickly.
In the evening, Zhao Qianqian returned home after going to the hospital, took out the dumplings from the refrigerator and started cooking.
The more she read, the more she discovered that the wisdom of the people was infinite.
For example, there is nothing that ordinary people cannot do when it comes to money-saving tips, as long as you can think of it.
Dumplings, rice balls, and noodles can be eaten after just boiling.
Buy a multi-functional rice cooker, put some red beans, rice and water in it before going to bed at night, and you will have hot red bean porridge for breakfast the next day.
Microwave the frozen steamed buns for 2 minutes, they are nutritious and filling. Paired with flavored chili sauce, they are cheap and delicious!
There is also the versatile instant noodles.
You can add eggs and cook them.
You can add vegetables, shrimps, fat beef rolls, fat lamb rolls, and meatballs.
If you don’t know how to cook, you can’t cook for yourself? Not true. If you can boil water and use a microwave, you can cook for yourself!
When Zhao Qianqian was reading the article, she was still wondering whether instant noodles, which contain preservatives, would have an impact on health if eaten frequently.
Before I could figure out what to do, I saw in the article, "If you are concerned about safety, you can replace instant noodles with dried noodles."
Zhao Qianqian is about to kneel down to this generation of netizens.
How can you save money so much!
The financial management newbie learned eagerly, and after just a few days, he achieved remarkable results and significantly reduced the money he spent on food every day.
The water in the pot boiled and Zhao Qianqian put the dumplings in.
Just at this moment, the cell phone rang.
Zhao Qianqian glanced at the caller ID and agreed to the call.
As soon as the call was connected, Liang Yan asked anxiously, "Qianqian, I was on my honeymoon a few days ago and my phone was turned off. I just turned it on and found that you called me. Is everything okay?!"
"It's okay, I accidentally dialed the wrong number." Zhao Qianqian replied calmly.
As adults, the most basic etiquette is not to cause trouble to each other.
If her mother needed money for surgery right now, she would have asked her friends for help even if it meant saving her reputation. But now that the matter had been resolved, she didn't even want to mention it.
"I'm glad you're okay." Liang Yan breathed a sigh of relief on the other end of the phone.
Zhao Qianqian changed the subject without leaving a trace, "Didn't you say that you would not allow outsiders to disturb you during your honeymoon and that you would keep your phone turned off the entire time? How come you turned it on after only a week?"
Liang Yan smiled bitterly, "We originally planned to have fun for half a month, but when we thought about the mortgage and the car loan, we both got scared."
"Besides, if the company can't find anyone for something, will it be polite to its employees? We just got married, we can't both be unemployed."
"Finally, the two of them came together and started the camera to keep in touch with the outside world."
There is no such thing as easy life for adults. Zhao Qianqian has never been so aware of this.
Even on their honeymoon, some people are still worried about their work.
"As long as you're fine, I won't bother you anymore." Zhao Qianqian is a single woman who lives paycheck to paycheck. How could she understand her troubles? Liang Yan felt that she had lost her composure and was in a hurry to hang up the phone.
Zhao Qianqian wanted to say something comforting, but after thinking about it, she didn't know what to say.
Money is not the problem, the problem is not having money.
If you have one self-occupied house and two investment properties at home and have no loans, who would care whether it is a company or not!
Zhao Qianqian held it in for a long time before finally saying, "Don't push yourself too hard."
Liang Yan smiled bitterly and hung up the phone.
Zhao Qianqian looked at the freshly cooked glutinous rice balls and suddenly realized that she had no right to criticize others. Everyone had their own difficulties...
**
After dinner, it was already 9:30 in the evening when I finished my chores.
Zhao Qianqian put down the paper and pen, picked up her cell phone, and was as diligent and studious as if she was going to take the college entrance examination next year.
Yun Luo tilted his head to look at him, and asked suddenly, "You have studied for a few days, what results have you achieved?"
These words clearly carry the meaning of a test.
Zhao Qianqian cheered up.
To prove that she was not lazy, she said seriously, "I focused on studying the current medical insurance system!"
"Tell me about it." Yun Luo said leisurely.
Zhao Qianqian told her everything she knew, "There are four types in total, namely public medical care, basic medical insurance for urban employees, basic medical insurance for urban residents, and new rural cooperative medical care."
"Public medical care is exclusively for civil servants, with a wide coverage and a high reimbursement ratio. However, this system is being gradually abolished, and people with public medical care are beginning to be included in medical insurance."
"Basic medical insurance for urban employees, commonly known as 'medical insurance', is mainly for urban employees and retirees. Insurance is paid monthly and is borne jointly by the employer and the employee. It has a minimum payment period requirement of 25 years for men and 20 years for women (30 years for men and 25 years for women in some areas). After retirement, you can enjoy basic medical insurance benefits even if you no longer pay."
"Urban Residents Basic Medical Insurance, also known as 'residents' medical care', mainly protects three categories of people. The first category is the elderly (elderly residents) who have reached retirement age and have not participated in the urban employee basic medical insurance or public medical care. The second category is the student children group (minor residents). The third category is the unemployed (other non-employed urban adult residents) who have not participated in the urban employee basic medical insurance or public medical care. The payment method is mainly individual payment, supplemented by financial subsidies. In addition, the payment must be made on time every year, and no payment will be enjoyed."
"The New Rural Cooperative Medical System, referred to as 'Xinnonghe', applies to rural residents. The payment is low, and the level of protection is also low."
"In terms of reimbursement ratio, public medical care reimburses 80%-95%, medical insurance reimburses 75%-85%, residents' medical care reimburses 55%-65%, and the New Rural Cooperative Medical Scheme reimburses 55%-65%."
Yun Luo was a little surprised, "It looks like it took a lot of effort."
Zhao Qianqian: "Every failure is a learning experience. You can't fall in the same place twice."
"Apart from the current medical insurance system, what else is there?" Yun Luo asked.
"There are also some tips on financial management." Zhao Qianqian counted on her fingers, "For example, no matter what time, you should save 3-6 months of living expenses."
“For example, the Rule of 72 states that the time required for the principal to double is 72/annual rate of return.”
"For example, the most fundamental method of scientific financial management is to increase income and reduce expenditure. If your income is only 2,000 to 3,000, no matter how much you save, your savings will not be high. You must find a way to change jobs and increase your income. If your income is 7,000 to 8,000, but your monthly expenses are 6,000 to 7,000, and your monthly savings are only 1,000, this is not acceptable either. You must do both at the same time so that your savings can grow quickly."
"Risk and return are directly proportional. The higher the return of a financial product, the greater the risk."
…
Zhao Qianqian said a lot to prove that all the efforts during this period were not in vain.
Yun Luo: "Looks like I've gotten started."
After receiving the affirmation, Zhao Qianqian couldn't help but show a hint of joy.
But the system continued, "Then let me test you."
"You ask." Zhao Qianqian looked solemn and ready for battle.
"There are three products to choose from: five-year electronic savings bonds with an annualized interest rate of 4.2%; bank fixed-term wealth management with an investment period of 365 days and an annualized interest rate of 4%; and money market funds with an annualized interest rate of 2%. If it were you, what would you choose?" Yun Luo asked.
Zhao Qianqian pondered for a moment and gave a confident answer, "Of course, I would choose electronic savings bonds! Electronic savings bonds are issued by the state, the returns are safe and stable, and interest is paid every year. There is no reason not to choose it!"
"Is it over?" Yun Luo asked.
Seeing the expressionless face of the man in the suit, Zhao Qianqian felt a little nervous. She asked in a low voice, "Isn't that right? But electronic treasury bonds have the highest returns and are the safest!"
"Only focusing on returns without considering liquidity is the easiest mistake for novices." Yun Luo said solemnly, "Before making a decision, you should ask me when you will need the money?"
...Is there such a saying? Zhao Qianqian was stunned.
Yun Luo continued, "If you need to use it within half a year, you can only choose a money market fund."
"Because electronic treasury bonds are withdrawn early, you need to pay 0.1% of the principal as a handling fee, and interest is calculated in different tiers according to the holding period. If you hold it for less than six months, no interest will be paid. In addition, the handling fee will be deducted, and the principal will be reduced."
"As for bank fixed-term financial management, you cannot withdraw the money before the agreed time, so this option is ruled out."
Zhao Qianqian: "... Then when will we choose electronic treasury bonds?"
Yun Luo told her, "The interest on government bonds is calculated in installments. If the period is more than 6 months but less than 24 months, the interest is calculated based on the coupon rate and 180 days of interest is deducted; if the period is more than 24 months but less than 36 months, the interest is calculated based on the coupon rate and 90 days of interest is deducted; if the period is more than 36 months but less than 60 months, the interest is calculated based on the coupon rate and 60 days of interest is deducted."
"That is to say, if you want to withdraw money within the first year, choose a money fund. If you want to withdraw money on the 365th day, choose a bank's fixed-term financial management."
"In the second year, even if interest and handling fees are deducted for early withdrawal, the yield of government bonds is still higher than that of money market funds. Withdraw on the 730th day and choose bank regular financial management."
"In the third year, the conclusion remains unchanged."
"In the fourth and fifth years, compared with bank fixed-term financial management, government bonds have higher returns and better liquidity, a clear win."
"Considering that banks' high-yield wealth management products have thresholds of 50,000, 100,000, and 200,000 yuan, if you have less money and want more flexibility, you can remove this option from the beginning."
"If you need funds at any time, even if the yield on government bonds is higher, you will still choose money market funds over government bonds."
“There is no right or wrong plan, only whether it is suitable for you.”
Zhao Qianqian had nothing to say.
"It's too difficult." For a long while, she hung her head, looking quite depressed.
Yun Luo: "Financial management is very similar to fitness. Only persistence can bring good results."
"Indeed, compared to the previous state of not knowing anything, I can see things much more clearly now." Zhao Qianqian cheered up, "It's better to learn than not to learn. Take your time, and one day you will be able to flexibly apply financial management knowledge!"
**
A week after the operation, Wang Yan claimed that she was almost recovered and refused to be hospitalized again.
After asking the doctor and confirming that she was recovering well, Zhao Qianqian helped her with the discharge procedures.
"The doctor said to come back to the hospital for a checkup in a month," Wang Yan said nonchalantly, "and then come back every six months. If there's no recurrence, then everything will be fine."
"That's good." Zhao Qianqian felt much more at ease.
Wang Yan brought up the past again, "When I get better, I'll work as a cleaner. It's 2,500 yuan a month, two days off a week, and easy work. There's no better job than this!"
"Why are you saying that again?" Zhao Qianqian was furious. "Didn't the medical expenses come from the medical insurance card? Not a cent of the deposit was touched!"
"You are not a child anymore, it's time to prepare your dowry." Wang Yan calculated for her daughter, "Your salary is only enough for you. My fixed monthly expenses are 2,000. If I find a job and save 3,000 a month, that's 36,000 a year. If I save for three years, won't I have enough money for my dowry?"
"The retirement salary is low, and I can't save much every year. I will work for a few more years while I'm still young and save more. This will save you from having a small dowry in the future and being looked down upon by your in-laws after you get married."
The author has something to say:
#This is a financial science article#
#Let go of your own works#
#Perhaps more like an academic paper than a novel#
#Don’t ask why, if you ask, the author is crazy (I said that I wrote this article to give back to fans, so I just do whatever comes to my mind)#
#Don’t rush into financial management, read the full text before planning#
**
About Commercial Insurance
[Commercial insurance is very complicated and most people don’t understand it]
[If you want to configure, just buy the most basic one]
[Medical insurance and accident insurance are given priority, and the price is not expensive, only a few hundred a year. Serious illness insurance and life insurance are configured as appropriate]
**
About Money Funds
A money fund is a type of open-end fund that mainly invests in highly secure short-term financial products such as bonds, central bank bills, and repurchases. It is also known as a "quasi-savings product."
[The most famous Yu'ebao on the market belongs to this type of product]
[Under normal circumstances, it is T+1 mode. Redemption today will be credited to the account on the next working day. In order to attract deposits (= attract more idle funds), some products will provide T+0 services. For example, if the withdrawal is less than 10,000, redemption today will be credited to the account today. (The interval between redemption and crediting is five minutes)]
[Q: Is it absolutely safe?
A: In the capital market, there is no absolute statement that banks will go bankrupt and deposits above 500,000 yuan will not be compensated. The risk of money market funds is comparable to that of bank financial products, both of which are low risk. 】
[Chinese residents generally like to buy absolutely safe financial products, but in recent years, principal-guaranteed products have gradually withdrawn from the stage of history. Other products are not allowed to guarantee principal or return (it is considered a violation and will be fined). They are not allowed to state expected returns, and can only be marked with "performance comparison benchmark". This is a general trend and must be adapted. Those who cannot adapt can only deposit regularly in the future...]
[A reader happened to ask about this in the comments section, so I’ll share some scientific knowledge with you]
**
The data in this chapter have been slightly adjusted for the convenience of calculation.
The annual interest rate for 5-year electronic treasury bonds is 4.27%; the annual fixed-term financial management of banks is 4.2%, starting from 200,000 yuan (different banks have different regulations); money market funds are 2%-2.8%
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