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Monthly salary of thousands of wage-earners, the method used to deposit millions?
Many fans told me that it seems that so many financial articles, but the real use of the few, the key is that they also follow the article in the financial management why so poor?
I have never believed that the kind of monthly income thousands of dollars can be financial tens of thousands or even millions of people's articles really make money in life need to work hard, need financial management skills, ideas, or the need for principal .
I have reached middle age, in addition to obtaining a variety of documents, and strive to enhance themselves, I opened their own logistics company, buy land, part-time taxi and so on, these are based on actual investment income, and these proceeds start Must be rich to finance!
Some people will say that saving money first, then the monthly salary of a few thousand dollars, how long will the savings have millions? Millions of savings may have been depreciated with inflation. Including those so-called rich people, it is precisely because of their connections and high starting point for funding, was able to smooth the success of financial management.
So as an ordinary wage earners, the monthly income of a few thousand dollars, in addition to work hard pay increases, the salaried workers how to make more money? On the word "borrow money" financial management!
The "borrowing money" that I am talking about is not about making money by borrowing money from friends. Instead, I make money by using bank money to make money, that is, I use debt financing.
First, mortgage loan financing house
For example, your parents have a house, then you can mortgage the house loans, if you can loan 40 million, according to bank lending rates are generally about 6-8%. According to the calculation of 7%, the bank needs to pay interest 400,000 * 7% = 28,000 / year, if the loan money 400,000 investment P2P, according to 400,000 * 10% = 40,000 / year. Earn 40,000 financial income - bank interest 28,000, you still have 12,000 remaining. This is how you make money with your bank's money.
Of course, the above is only an example, if you have other better investment channels, this benefit more than. For example, the landlord I was mortgaged 600,000 home loans, banks have acquaintances, the loan interest rate 6.5% / year, interest a total of 39,000 a year. After getting the money, I use 400,000 shares of friends company, 200,000 investment friends of private lending. Profit is imaginable, dividends 5-10 million shares. Private lending in accordance with 2 points / month interest, 20 million interest 48000 / year.
Second, the use of credit card wealth management
I often hear many of my friends say that credit card wealth management is not good. I would like to say that any tool has its own flaws. Knowing that you can defeat you, otherwise you will not go to practical experience. So credit card money, you have to understand its characteristics, make full use of this feature credit card for their own service.
Skills are as follows: The biggest advantage of credit card interest-free period. Many people like credit cards, is the interest-free period of consumption. But if your credit card is still limited to spending, you can only say that you're out!
1, first of all let the credit card to achieve the longest interest-free period. This method I have already shared before, the landlord I am the biggest extension of interest-free period is 100 days, the longer the interest-free period, the higher financial returns.
2, find the way to invest money. Before the bank interest rates were not adjusted, many people use pos machine tx, investment network financing, investment, private lending, etc., in short, must have its own financial management channels. If you do not even have channels, then do not use credit card financing.
Landlord is the use of a few credit cards per month using friends circle shop tx, credit card machine tx, and then invest in business circle friends emergency funds. There is a "bridge" approach. Lend the money out of tx to the credit card machine friends, to know that for these companies credit card tx a lot of people, so they need a lot of money, and I just lend them the brush out of money, a month 2.5 interest, credit card The repayment period put forward, after repayment brush out again investment.
Third, business license loan financing
do you know? Countries are very supportive of all private enterprises, so the business license can also be a loan, but also interest-free support policies, depending on various local policies.
In accordance with our provisions here, the use of business license loan interest-free period of two years. A friend of mine will take a total of 300,000 loans from friends and relatives using five business licenses. The investment of 300,000 cars and the amount of money to make money in two years should all be known. The key is interest-free loans. Where is such a good thing? go with!
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