Working-class, I suggest going to some cheaper countries ~ ~ and why LZ insists on going abroad to study in high school ~ I can't deny that domestic education has made domestic children (including me) have a certain idea of worshipping foreign things, but for those who have studied in high school abroad ~ I suggest LZ complete his education in China! China's history of primary education is the best, so Britain and France should be sidelined!
Studying in Britain is expensive ~ I think it costs at least 250 thousand a year ~ ~ I will carefully calculate the money your parents earn in a month. Even when I was a child, I thought LZ was wrong! ~ Regardless of money, LZ, how much do you want your parents to worry about you at your age?
Of course, if your parents are considerate and good parents for their children, I think they should also take this into account. My family and I (including a foreigner) have the same evaluation of people studying in middle schools: children are naive and parents are crazy! And I want to add: Don't make a mistake that can affect your life because of a temporary impulse. I don't care whether you are male or female, there are too few middle school students, including college students, who can really learn! Too much truth to say! Therefore, gold glows wherever it goes. If you think you can make a difference abroad, you are all wet!
Of course, the last answer is the loan for studying abroad, yes, but I don't know if middle school students have it, but what is it? You want your parents to take hundreds of thousands of loans to send you out to school ~ think about it when LZ is awake!
Working class, parents' annual salary *** 10 to 1 10000 yuan. If you want to study abroad, you can go to Germany and France without paying tuition. Living expenses are about one year100000. The disadvantage is that you need to learn another language. Test German or French.
How do working-class people study in Britain? If you study hard, you can consider applying for scholarships or studying abroad at public expense. Naturally, it doesn't cost a few dollars, but there are many graduate students in this field and few undergraduate places. If you go to the UK for an undergraduate course, 200,000 RMB is obviously not enough. You can prepare 250 thousand RMB a year, but you can't just study for one year. You should prepare deposits for two to three years. That's not enough. Part-time jobs can help you save your living expenses, but it is still too difficult to save your tuition. I suggest that if you really want to study abroad, especially in the UK, it is better to go to graduate school. After all, British graduate students can graduate in 1 year, which is actually much more cost-effective than undergraduate studies. Find an undergraduate course in China first, and you can start to operate in your sophomore year and junior year, and go out for graduate school.
How do the working class buy a house? How do working-class people start their own businesses? How do working-class people buy cars? I like the website upstairs.
How does the working class manage money, how does the working class invest and how does the working class make money? First, the three links of financial management
1, saving money: it takes two lives to earn one. Many people say it is impossible to withdraw 10% of the money from the bank in a month. So if your company is not doing well, the boss will cut back on expenses and give you two choices. The first is to fire you and compensate you for two months' salary. Second, reduce your salary from 1000 yuan to 900 yuan. Which plan can you accept? 99% people can accept the second plan. Then you make a compulsory deposit for yourself, and directly deposit 10% of the money in the bank after the payment. If you don't take this step, you will never have money to spend.
2. Make money: funds, stocks, bonds and real estate.
3, capital preservation: there are unexpected events in the sky, no one knows what will happen, so buy yourself an insurance, insurance is an important means of financial management, but not all. Making money is like drilling a well to inject a steady stream of water into your reservoir, but drilling a well is not enough. It is necessary to build a dam for the reservoir-accident, hospitalization, serious illness. Because of the example of driving into people's ruin. Example of flying: I sometimes need to fly ten times a month. Every time the plane takes off and lands, I put my hands together. I don't believe in anything I just feel my life is in my own hands again, because I don't know what will happen in the sky. So every time I fly, I buy 500,000 accident insurance from 88 yuan, which is my love and responsibility for my family. This 500 thousand is enough for my wife and children to live for two years, and she can remarry in two years.
One center, three basic points: financial management as the center, saving money as the starting point, focusing on generating money, and ensuring money.
Second, how much can I start financial management?
I don't care how much I save 100 yuan a month to buy a fund. From the age of 20 to 60, it is 637,800 yuan; 30 to 60 years old, it is 220,000; Since the age of 40, 70,000; 50 years old, 20 thousand. Qian Shengqian is the champion of long-distance running, so financial management must start at an early age. The essence of money: you don't love me, I don't love you.
Third, how to allocate assets: a single reservoir should be divided into three parts.
The first type: emergency money, living expenses for half a year to one year. Depository banks, current, fixed-term or money market funds.
The second part: life-saving money, living expenses for three to five years, time deposits, national debt, and commercial endowment insurance. It should be balanced, but there are more things than less.
The third part: spare money, money that will not be used for five to ten years. Only this kind of money can buy stocks, funds, real estate, or start a business with friends to make such investments, so it must be spare money.
Stock: the stock market is in a flood, so how to go up and how to go back. Only when the tide goes out can we see who is swimming naked. It is not recommended to enter the market at the current point, and buying funds is not a good time.
There are only three kinds of people who can predict the position: a genius, two lunatics and three liars.
Ask yourself three questions before buying stocks: First, do I have a house and insurance? Second, do I have urgent money? Third, am I ready for a strong nerve and a good attitude?
Retired old people should not speculate in the stock market. They can't bear the ups and downs of the stock market either economically or spiritually. Filial children, don't let your parents speculate in stocks.
Have you ever seen people queuing to get rich? Three years later, 90% of the investors who entered the market this year will become cannon fodder, of which only 10% can make money from the stock market. This is the iron law circulating on the cat's paw!
Five, the habit of financial management
1. frugality: less taxis, less beauty, less meals and less cooking. Save your money and invest it in Qian Shengqian. Qian Shengqian, the rich, made the poor in debt. Saving money and respecting money are the habits of many rich people. Li Ka-shing's frugality in his life is well known. One day, when Mr. Li Ka-shing came out of the hotel and took out his car keys, a one-dollar coin jumped out of his pocket. Li Ka-shing bent down to pick it up, and an Indian security guard picked it up and handed it to him. He took one yuan, took out a hundred Hong Kong dollars from his pocket and gave it to the security guard as well. Others are confused. When asked why Mr Li Ka-shing did this, he said, "This one hundred Hong Kong dollars is my reward for serving him. If the one-dollar coin is not picked up, it may be run over by a car, it may fall into a ditch and it will be wasted. Money is used to spend, but it can't be wasted. " We often say that the richer the rich get, the more they dig because they know that money is hard to come by. People who have no money are often "poor and generous".
2. Bookkeeping: Keep an account every day. If not, you can keep an account every three days. Some people spend a lot of money on cats, but in fact they don't.
Sixth, the misunderstanding of financial management.
1, financial management is the business of the rich: both the poor and the rich can manage money, form good habits, invest, and let money do something for itself.
2, busy, no time to manage: have time to play mahjong and no time to manage money? Chairman Mao kept accounts every day. Don't say you don't have time, no matter how busy you are, you can't beat the chairman.
3, financial management is to buy stocks to buy insurance: all the money used to buy stocks is gambling, not financial management. Insurance companies say that their products can be guaranteed, saved and invested, so why do they need fund companies?
4. With less money, financial management is ineffective: the secret of financial management is "cherish money, save money, Qian Shengqian and persevere"
5. Don't know how to manage money: you can learn if you don't know. Financial management is not difficult. It's never too late to start studying.
6, financial management is to make a fortune: financial management has nothing to do with making a fortune. Financial management is to plan ahead, help your wealth grow safely and steadily, and achieve your life goals.
7, financial management should follow the crowd: financial management can not follow the crowd, must be personalized.
8. Men and women are different in financial management: financial management is the same for everyone, and women are more impulsive. Women can try to restrain some impulsive consumption in financial management. If they are not impulsive at all, they are no longer cute. Men "analyze" and women "feel".
Seven, five one project financial management:
1, live within your means for life.
Boxing champion Tai Sen started boxing at the age of 20, and by the time he was 40, he had earned nearly 400 million dollars, but he spent too much money. This villa has more than 65,438+000 rooms and dozens of sports cars, and he also keeps a tiger as a pet. As a result, by the end of 2004, when he went bankrupt, he still owed the IRS $65.438+million. If you were not born with a golden key, you should enjoy it after 40. You must work hard when you are young, and the hardest thing is to be poor when you are old.
Don't dream of getting rich overnight.
There will be no pie in the sky. What is in the sky? Rain, snow, sandstorm, occasionally drop a flowerpot or something, no pie will fall. There is a saying in China that "money doesn't enter the emergency door". 40%-50% of the time in a year is untrustworthy. Think about other people's motives. Things that sound too perfect are often not true. Many people who won the first prize in the lottery are still poor ten years later, because they bought a big house and a car and took advantage of dozens of poor relatives. Mentally, I can't stand it, just like Fan Jinzhong who suddenly fainted. You have to punch in every day to earn MP!
When someone gives you a seemingly good investment opportunity, ask yourself six questions (such as property hotel): 1. Who is selling my things, and what is the reputation of the other party? 2. What did I do with my money? 3. What kind of money do I earn? Profit model. 4. Is the rate of return reasonable? Annual income 1%-5% is low, among 5%-8%, more than 8% is high. If I don't vote, can I sell it? 6. If you can't sell it, can you use it for your own use? If more than two of the six questions are in doubt, it is not credible.
Don't let the debt haunt you all your life.
House slave, car slave, card slave. Most negative people in China are 28-35 years old. For example, buy a house of 100 square meter in Hunan, 300,000 yuan, 20% down payment, 60,000 yuan, deed tax, etc. 20,000 yuan for decoration, 20,000 yuan for home appliances and 20,000 yuan for indoor soft decoration. Without 200,000 yuan, you can't live. Monthly repayment should be below 30% of income, and 50% will be very uncomfortable. Think about whether you have the financial ability to buy a house. Want to buy a house is a house slave.
Car slaves are even worse, and cars are constantly being consumed. Rich people in Japan take lunch boxes by bus every day. Credit cards are financial opium.
Check the audience's wallet: college students spend 1800 per month. The monthly salary of master in Beijing is 3000 yuan, and that of undergraduate is 2000 yuan. Young people should not have empty illusions about their future life.
To change your life, you should start with a small amount of money, return the card, return the car, return the house, save money and invest.
You will never become a bank. If you want to get rid of finance, you have to pay back the principal instead of interest.
About working-class families, is it difficult to study abroad? 1, not difficult, mainly because your academic performance is better.
2. You can choose to go to some Asian countries such as South Korea, Japan and Thailand first.
3, during the study abroad, you can do * * * to reduce economic pressure.
Being a teacher of Chinese as a foreign language is a good job.
Can ordinary working-class children who have graduated from undergraduate courses and worked for five or six years go abroad for further study? I want to study abroad again, but I'm afraid I don't recommend it, because my brother-in-law has just returned from abroad and needs a lot of money for further study. It is hard to find a job abroad, and there is great pressure after returning home. Try to take the domestic professional study as practical as possible.
How to study abroad after work? First, determine the country you want to go to, and choose the right school and major according to your study and work background.
Wei Kunlin Dr. Wei, his wife, his daughter's photo, how tall, Dr. Wei. = = Doctor = = Dr. Wei = = Dr. Wei's study career. In 2000, he obtained a bachelor's degree in biomechanics from Beijing Sport University. In 2000 and 2002, he received a master's degree in motion control and electronic engineering from Pennsylvania State University. In 2000, he received a doctorate in motion control from Pennsylvania State University. From 2000 to 2005, he conducted postdoctoral research in Northwest University and Chicago Rehabilitation Hospital. In 2000, he entered the psychology department of Peking University. The professor is a professor.
How do working-class people buy cars? Life is too short to stay, and it is hard to stay.
Buy a car when it's time to buy it!
I thought my wife and I didn't have a job or got on a Geely King Kong, and now we are doing well. Without pressure, there is no motivation.
Analysis: You have a house and are married, which is a good condition that white-collar workers in many big cities can't reach.
Admittedly, the monthly income of 25,000 yuan is not high, but you can save 10000 yuan if you spend less than one year, right? After having children, it is estimated that there are not many left. If only your parents could support them.
This car is for sale.
If your income is not greatly improved in the future or your parents don't support you, I suggest you take a 70% new second-hand bread or a second-hand Li Xia Freedom Boat with a price of 10000 or more, and rent it in your spare time.
If your income will be greatly improved or you can buy a car with foreign aid, you can get a new domestic car, a free ship, with a low allocation of about 36 thousand and more than 20 thousand new bread.
Please forgive me for any mistakes.
bright red