When I returned to my hometown in northern Henan during the Spring Festival, I met many people, talked a lot and answered many questions among relatives and friends in mountain villages, counties and prefecture-level cities. Suddenly I feel it is necessary to sort out these words and have a chat with many friends who have stayed in the third, fourth and fifth tier cities, because it is really necessary.
If you agree, pass it on to your relatives or friends to help others.
This year's Spring Festival in the countryside, I can still see what I saw in big cities many years ago:
1, queue up for eggs early in the morning, and then have class.
2. A MLM team selling Fujian black tea is doing very well here, and many relatives are involved. Buying 20 thousand tea counts as joining.
Don't trust the bank when saving money, trust the neighbors and give the money to the neighbors or the so-called cattle people.
A year's plan lies in spring. Discuss, demonstrate, think, act and think first!
Can I buy a house in a prefecture-level city or county?
One of the key questions is, what is the purpose of your purchase? If you have parents and relatives here because your hometown is here, you must buy it, because this is your root, this is your hometown, and there are relatives here.
First of all, we must remember one sentence: in addition to Beijing, Shanghai and Shenzhen, the real estate in the third, fourth and fifth tier cities in other places has only the property of residence, not the property of investment, and even less the property of finance.
Therefore, for the demand of self-occupation, everything is possible, no matter where. However, a comfortable self-occupied house on Line 345 is enough, so don't match it!
However, as long as other factors such as investment, asset allocation and leverage are taken into account, the real estate in prefecture-level cities and counties should be given up decisively. Don't touch the assets such as office buildings and shops in these cities.
Years ago, I saw some long articles about whether houses in various cities in Henan could be bought. I feel very depressed. In fact, basically, you just need to remember the above. Give it up!
In the future, there is only one city in Henan called Zhengzhou, and the siphon effect will be very obvious. People and money in Zhengzhou will be sucked away by going north to Shenzhen and Hangzhou, and Zhengzhou will suck away outstanding talents and smart money from cities and counties.
Zhengzhou is the last barrier of Henan's asset allocation. Below Zhengzhou, don't touch it!
The siphon effect of these core cities will be very obvious in the future:
Don't understand what is the "urban siphon effect"? Think about NB in Beijing, but Shijiazhuang, which is very close to it, is also rotten, so you will understand.
This is true for Zhengzhou to Anyang, Xinxiang and Jiaozuo in the future.
People and resources in the third, fourth and fifth tier cities will be further absorbed in the process of deepening urbanization in the future, and their competitiveness will be even worse.
Therefore, houses in prefecture-level cities and counties only have the property of self-occupation and have no investment value. Whether it is Kaifeng, Zhengzhou all the way to the east (Kaifeng is actually better) or Luoyang, Xinyang, Anyang and other cities, it is the same.
Some people will say that 20 17 towns have increased a lot. Remember, what we need is high quality growth! The increase that can continue to rise! The increase that can be cashed! Valuable appreciation that can be mortgaged!
If you want to make it clear, you must know what an "asset bubble" is.
Please don't start a business, don't open a shop, please get paid and live a good life!
A relative, in a prefecture-level city, opened a front-mounted cupboard, which was opened four years ago. I asked how business was. He said that the whole family is busy, from the beginning of the year to the end of the year. So far, the 200,000 borrowed when I opened the store four years ago has not been returned, and I have not made any money. What should we do next?
I'm stuck in this case, too. After all, it has been four years. It's a pity to give up, but it's too trivial to continue. What should I do? In fact, I still suggest selling it in my heart.
For most friends on Line 345, my real advice is this: Don't start a business, don't open a shop, don't make real investment, get a job and get a salary, or take your wife and children to work in other places, and use your money to buy a valuable real estate (real estate is the most convenient tool for ordinary people to borrow money and use leverage, basically the only tool), so it is best to live a plain life.
The present era is a rapidly changing, impetuous and predatory era. Everyone should protect himself. Predators are mostly conformists, and most of them are people who don't understand the changes of the trend.
For example, people who only know how to save money are far more than those who buy houses, and those who buy houses are far more than those who use bank leveraged loans to collect debts.
In the past 30 years, the real inflation rate has been around 12% every year. If you can get money from the bank, the interest rate should be around 6%. Under reasonable utilization, the annual income is 6%. The more you take, the more you earn. You got it?
Behind this is a big era! This is another article about the background and trend of the great era, so I won't elaborate on it today.
An egg filling cake on a street stall sells 1 yuan, and it doesn't make money after a day's fatigue. Young people pack up and drive into big shopping malls to sell 10 yuan, and they make a lot of money without getting tired. Behind this is a big era, a "consumption upgrade" in the trend, but who knows after 60? Who knows the most people in the third, fourth and fifth tier cities? They only know how to sell 1 yuan on the street.
So the back waves of the Yangtze River push the front waves, and the front waves die on the beach. The point is that the waves ahead are still pressing down. Am I trying so hard? I'm so practical? How can I make a mess of it? Is it wrong to try to get rich? Yes, in this big era, it is wrong to get rich by hard work!
However, don't look for a job that is paid by the year and paid at the end of the year. In most cases, no matter how high the bid is, it will eventually fail. What we need is a job that pays by the month!
Therefore, it doesn't matter if you protect your hard-won savings and time and can't keep up with the times, but don't go to the muddy water of this impetuous era, this muddy water, let's go! After all, we have knowledge, experience, experience, resources and can afford it!
In the era of de-capacity, de-leverage, de-inventory, cost reduction and short-boarding, people in the following cities really don't understand or even qualify to participate. How do they share the dividends of this era? Under the trend of consumption upgrading and general financialization, there is a slogan every year. Things that have been out of date for more than ten years have long been out of date, but the parties in the city are unaware of it!
How to effectively use the only 200,000 yuan in the hands of the whole family?
No way, if you want to break through, you must skip savings and move towards assets and liabilities. But the detailed explanation of "assets" and "liabilities" is another article, so I won't go into details today.
What shall we do? For most people, the best way is to buy a house!
But don't buy a house indiscriminately. 80% of the time, the purchase choices you make are all wrong! Because it increases your debt and leverage, it can't bring you good returns. Maybe you didn't get rid of poverty, but jumped into the next fire pit.
For example, in Anyang, Zhumadian, Zhoukou, Shangqiu and other cities, it is wrong to buy any real estate from the perspective of investment.
What should I do?
Last year's proposal was originally as follows:
1. On the basis of the house price in your own city, raise your expectations appropriately, for example, from 4000-5000 yuan to 6000-7000 yuan, jump out of your own city and look at the whole country. At this time, there are many high-quality objects to choose from.
2. You can consider Xi 'an's brand school district. At present, the house price in Xi 'an is more than 6,000 yuan, and its future value is definitely higher than other third-and fourth-tier cities. If the Xi 'an account is released, it will soon be over 10,000, and 20,000 can be expected. Even if you don't open your account, this price is very safe compared with other third-and fourth-tier cities.
3. Third-tier cities such as Zhongshan, Dongguan, Huizhou, Wuxi, Jiaxing and Zhuhai. Yes, and their values are acceptable, but it's a bit difficult to choose this one.
4. Take Hainan as an example. When smog rages in the north, Hainan has become the best place for people to avoid smog. However, Hainan must not choose the real estate in the county, but must choose Haikou or the eastern resort. For example, Haikou is currently 7000 to 8000, such as Wenchang Moon Bay with more than 6000 belts for decoration. It's quick for these properties to break 10 thousand, which can be used for personal use and investment. Anyway, it's all in the medium and long term, which is very safe. But it must be based on brand and quality.
5. Choose the periphery of the core city instead of the small city below! Fiona Fang, the core of a big city, is not a big problem within 20 kilometers. You can walk outside, along the subway, and the area that the subway can reach can be considered, based on brand, quality and subway.
Now that a year has passed, the times and environment have changed, and it is impossible to copy the above suggestions.
20 18 suggestion:
1. The low-lying cities recommended by Mizhai Mizhai last Spring Festival: Xi 'an and Hainan, have successfully completed the supplementary recording on 20 17, with no low-lying value and no admission opportunities. If you had read the article and acted, you could have caught a 40% increase in Xi 'an and an 80% increase in Haikou, with a down payment of 300,000 yuan.
2. However, after three years of hype from 20 15 to 20 17, there are no universal opportunities and low-lying cities.
The first step you have to do is to leave the small city and settle in the big city! Get a room ticket!
On the first day of New Year's Day, a relative, about 30 years old, came to me and asked what opportunities there were to make money. Now it's hard to find a job when you go out to work on the construction site to make money. My suggestion is clear: leave Anyang, stay in Zhengzhou, take the first step and have a better future.
My important advice to many families is: have another baby!
Why can China complete the process of urbanization and economic development in the West 100 years within 30 years? China's large population is an important factor.
Why has China become a thorn in the side of the United States? Let the developed economies of the world look good? Because there are many people in China, some people have a bright future, and some people have everything, whether it is economic, military or political! China really threatens everything they have now.
Why is rock-solid Europe constantly in trouble and panic after the influx of Muslims? Because European whites are already experiencing negative growth, while Muslims are increasing in large numbers, this is still a human problem.
From the secret of wealth, having children is the most primitive and equal way of debt. Of course, it's very hard and tiring, but through 10 years of operation and liabilities, from the investment point of view, it is usually the best return investment!
The cost of raising a baby every month is equivalent to the monthly loan repayment. After more than 20 years, children will be independent, which will bring returns, equivalent to 20 years of mortgage. There is no down payment yet. This debt does not need to be recognized by others, but only by your husband and wife.
But this view, many people may not understand, or even scold? Damn it, why do you associate children with investment? Do you want to save face?
It doesn't matter whether you scold or not, the key is to think clearly about the problem.
Last year's article, this article was the most controversial, and the second controversy was that young people in cities were not advised to start businesses.
I still stick to my point of view. In the future, when the children are old and we are old, we can really understand the correctness and importance of this.
I am a child now, but my family has decided to have a second child. Why?
1, not for us, but for the children! If there is only one, parents will unintentionally overindulge their children, thus unintentionally hurting them.
Children don't like playing with adults, but he can't help it. If there are two or three children at home, they form their own system and build their own game ecology, and they can grow up healthily without the participation of adults.
3, the child is old, and the only child needs to bear the pension of at least four old people, which is unfair to him!
4. When the child is older, what happened and who to consult? Being bullied by your husband or wife? Who is the person he or she trusts most?
5. Blood is a powerful interpersonal moat!
So, within your ability, have another child! At least 2, preferably 3, and not too much, this is the best investment for the future, and this is the best debt for yourself!
The premise is that we can ensure that we can give our baby the most basic life and uninterrupted education throughout the whole process!
In summary
1, the real estate in the 345-line city only has the property of residence, but has no investment property, so it can be abandoned.
2, don't start a business, don't invest, don't open a shop, please pay a monthly salary, remember not to pay wages every year, it is likely to fail.
3. Leave a small city and settle in a big city to fulfill the next generation!
4. Buy a house in a reliable city with the cash in hand, and get a bank loan through the house, which adds leverage to life.
If possible, having one more child is another better lever of life and a better investment in the future.
6. Treat your family well, treat your children well, work hard, make money, and don't complain.
7, quietly, waiting for the wind to come.