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How many ways can you save to millions?

Time: 2018-02-13         Source: Calvin User@Clear Rain         Author: Niu card user @ clear rain

Many fans have told me that there are so many financial articles, but few of them are actually used. The key is to understand why they are still so poor in terms of financial management.

I have never believed that articles that can be used to finance tens of thousands or even millions of people when wages are a few thousand dollars. The method of earning money in real life needs to work hard. It requires financial skills, ideas, or the need for principals. .


I have already reached the middle age. Apart from obtaining all kinds of documents and striving to improve myself, I have started my own logistics company, purchased land, and part-time drop-a-car, etc. These are the proceeds from actual investment, and these earnings have started. Must be rich to manage money!

Some people will say that they have to save funds first. Then how many months will it take to earn a monthly salary of a few thousand dollars? Such as saving enough million or perhaps the money has devalued with inflation. Including those so-called rich people, it is precisely because of their high connections and capital starting point that they can get financial success in the future.

Then, as ordinary wage earners, with a monthly salary of several thousand yuan, how can wage earners who have no money make more profits besides hard work and salary increases? Two words "borrow money" financial management!

The “borrowing money” that I am talking about is not to borrow money from friends everywhere to finance, but to use the bank's money to make money, that is, to use debt to manage money.

I. Mortgage House Loan Finance

For example, if your parents have a house, you can mortgage a house loan. If you can borrow 400,000 yuan, the interest rate on a bank loan is generally about 6-8%. Calculated at 7%, the bank needs to pay interest of 400,000 * 7% = 28,000 / year, if the loan of 400,000 investment P2P, according to 400,000 * 10% = 40,000 / year. Earn 40,000 financial gains - bank interest is 28,000, and you still have 12,000 remaining. This is how you use your bank's money to make money.

Of course, the above is just an example. If you have other better investment channels, this benefit will not stop there. For example, I am the landlord mortgage loan 600,000, the bank has acquaintances, loan interest rate 6.5% / year, a total of 39,000 interest a year. After I got the money, I used 400,000 shares of a company with friends and 200,000 to invest in my friends’ private lending. The benefits are predictable, with dividends of 5-10 million. Private lending is based on 2 points/month of interest and 200,000 interest is 48,000/year.

Second, use credit card financing

I also often hear many friends saying that all sorts of credit card financing are not good. I want to say that any tool has its own shortcomings. Knowing yourself and knowing each other can defeat, otherwise you will not go to practical experience and a whole bunch of theory will never stop. So for credit card financing, you must understand its characteristics and make full use of this feature to make your credit card work for yourself.

The skills are as follows: The biggest advantage of credit cards is the interest-free period. The reason why many people like credit cards is to consume them during the interest-free period. But if your credit card is still limited to spending, you can only say that you out!

1. First, let the credit card reach the maximum interest-free period. This method I have shared before, the current landlord my biggest extension of the interest-free period is 100 days, the longer the interest-free period, the higher the financial income.

2. Find the way of investment and financing. In the past, when the bank interest rate was not adjusted, many people used pos machines, investment in online banking, private investment, etc. In short, they must have their own financial channels. If you don’t even have a channel, don’t use credit card financing.

The landlord is using a few credit cards every month to make use of the friend circle shop tx, credit card machine tx, and then invest in business circle friend emergency funds. There is a "bridge" approach. To lend the money from tx to the credit card machine's friends, you need to know that there are a lot of people who use these cards to tx, so they need a lot of money, and I just loan them the money I got from them. The repayment period is premised and the investment is repainted after repayment.

Third, business license loan financing

do you know? The state supports various private companies, so business licenses can also be loaned, and there is also an interest-free support policy, which is based on the policies of various localities.

According to our regulations here, the use of business license loan interest-free period for two years. One of my friends took advantage of the five business licenses of friends and relatives for a total of 300,000 loans. This 300,000 investment to buy a car, two years to make money how much money, we should know that the key is interest-free loans, ah, such a good thing to find go with!

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