Keep good care of your personal banking information

Nowadays, cases frequently happen that a lot of bank cards are ilegally used by other people. They most use them in the way of website or ATM by catching the card number and password by treating. It may be because you don’t cherish your record bill, lend your card to others, or even tell others your card information. All those are quite likely to cause your fund lose. So try to develop a good habit in keeping personal banking information.

First,  never trust on people who ask you to tell them your banking information in the name of certain fund transfer into your account. If it does be the case, only your card number is required.  Keep well of your password at any case.

Second, keep good care of your Indentification Card and even copies. You can well ask banks to abolish them after you do certain business. Your ID copies are likely to be used to apply for credit card in your name by ilegal people. They will use them for consumption and leave the payment on you.

Third, don’t lend your card to others you are not much familiar. There exists the risk of overdraw and delay payment especailly for credit card. It affects your credit record. And you can’t be sure they will not lend your card to some others.

Forth, change your password frequently. And try some complex password. It’s important not to use your phone number or ID number. They may be learned by others. Of course, you can use a unified password for all banking cards. It’s permitted and easily remembered.

Fifth, keep well of your user name and password of online banking or phone banking. They are fund transfer chennal. If they are caught by others, your money in account will be in danger.

There are a lot of other tips on this topic.  Sure you will accumulate a lot on your own experience.

Investment choice in situation of frequent interest raise

On April, the People’s Bank of China raised the interest rate for a forth time from the October last year.  In the face of frequent interest raise, a lot of investors feel lost on how to invest correctly to some extent. They are trying to figer out which investment product is the best choice. Here goes some suggestion for your advice.

Frequent interest rate raise affects long term deposit earning in banks. As we all know, the interest earning doesn’t adjust in one deposit period when the interest raises. It’s not a good idea for you to withdraw the savings out before term over. All the interest will be calculated in flexibility. Of course it’s not suggested to deposit in long term. In comparison, you can well enjoy the benefit comes from interest raise by short term.

Banking products should change from short term to long term. Their earning may be related with the interest raise tightly. The banking  products of  short term are quite favorable for customers in case of frequent interest raise. They have much benefit and are fitable for customers with cash-realization demand.  But at the  ending of interest raise,  short term banking products are not good choice anymore. Instead, those with long term are more favorable.

Entrustment product is a smart choice.  Compared with deposit interest earning, these products always have higher benefit. While they are not in that tigh relationship with interest rate in comparision with banking products. It is oftenly related with the investment projects. For those investing in enterprises, it’s oftenly the case. So it’s much secure for people to choose them as investment projective.

With the change of economic situation,  it’s not easy to make a correct decision on investment. Use information you can get and have a try.

Help you build a Low-carbon office

Low-carbon has become a hot word in 21st century. It not only brings effiency but saving. This trend comes in the background of sever damage caused to the surrounding by our bad habbit of luxuriancy. Such bad situation urgently calls for efficient behavior for sustainable development in our future life. That’s also consideration for our offsprings.  So everyone of us has the obligation of acting on Low-carbon criterion from small things in our daily life. Here goes the Low-carbon office building.

Realize non-paper office work. In traditional working ways, we need a lot of paper for documents, materials, and files etc. But so much paper becomes a heavy burden for our society.  As we all know, paper is made from wood, which can well protect our surroudings.  So much paper cost us too much. With the intrduction of PC, we can well use certain software to edit documents in electronical ways. And use these electronical documents for our working procedure among colleagues.

Try telecommunication.  Communication ways are greatly varified in moden society. We all have computers or Mobile-phones. We don’t need letters or paper content for communication anymore. Having a call, sending a message or an e-mail can easily solve everything. Besides, telecommunication has many advantages like non distance limit, quick speed, efficient and cost save.

Make working informationize. The quick development of PC hardware and boom of all kinds of websites, information and knowledge overflows. We can aquire whatever information we need from web anywhere anytime with a PC. News happen all around the world can all reach our eyes. So, we should well take advantage of the  avaibable information for our working demand. Search the knowledge we need in WEB to serve our business and public what we want to  share for others’ need. In a word, take good use of the information.

Sure these solutions can well help you build a save and meaningful office. It not only benefits you, but all our society. Let the  Low-carbon office well develop.

Tips on saving money in supermarkets

We all have experience in going shopping in supermarkets or shopping malls. The comordities in supermarkets are ofen abundent and cheap. So, we are likely to buy more than what we actually need. When coming to the cash counter, we find it’s  overconsumption.Then we may cost too much because we are overshopping or buy comordities with higher price etc. Here teach you some tips on saving money during purchase.

Try to pay attention to important living necessities instead of junk food. Comordities like rice, fruit, vegetables, and other accessories ect are necessities in our daily life. They are unavoidable  for shopping. While junk food just caters to our hobbies for consumption at spare time. They may be unlimited in quantity. Finally, you will find they’ve cost you much money. Then you have to save your other expenditure for them.

 Compare different shopping malls before you go shopping.  Comordities in different supermarkets are priced different. Some supermarkets with bad scale or business may price higher than others. They don’t operate in good condition. At the same time, their suppliers may be small. So they can not compete with larger supermarkets. Some famous shopping malls with sound brand are likely to be more reasonable in price.  Of course, the pricing margin isn’t much for commorties with unified retail price regulated by the Price Bureau. You can choose them at ease in all supermarkets.

Care about the promotion. There is often some pricing favor for certain comordities at certain period in some supermarkets. They are quite economical if you need them. It may be carried out for attracting more business. Also it may be because the commordities are about to be expired.  So, you need to be on notice. Well deal with promotion, you are likely to save much.

Our earnings are limit each month. Still we need more enjoyment in life. So it’s high necessary for us to make a good plan on our spending.

Let the salary work on your service

The economy is well developed in these years. The hot economy causes  inflation and high prices.  That makes our money owned in hand devalued.  People feel the life more difficult instead of easy. In this condition, a lot of monetary polices are carried out for economy control. Also, the salary raise is also under plan and excution.

The salary raise is carried out in education and medical industry. In enterprises, especially thoes in easten coastal region, the salary is well raised for the labor-short. It is the case that entreprises need the working people for new orders. Still, the high living cost and pressure make the employees rather working at hometown for also comfortable life. The contraction raises.

How do you manage the salary raise and life expenditure? As we all know, the living expenditure, house pricing increased much these years. We need to offer more money for life comordities. Maybe your earnings slowly doesn’t meet the cost needs. Then, you neen a good plan on your salary.

Try the financing products like fund. Fund is a value-add product with acceptable  risk. It is operated by fund companies. The fund managers have much experience in those investment. With certain amout, you buy fund in portions at certain price and reimburse them back at higher price later if possible, you win the cut from them. Of course there’s risk of lose, but it only occurs in period of bad market situation.

Use your credit cards for good purchase by installments. Credit cards often offer the service of installment consumption. They don’t need interest and fee. As long  as you deposit the amout into them, the fund will be deducted automatically. You can well enjoy the product you buy in advance and leave the payment done later. So it can lighten your burden.

Well plan your salary, it will make your life better.

Credit card loan popular in gloomy auto market

At the beginning of this month, The People’s Bank of China raised the deposit reserve rate 0.25% for a forth time from OCT last year. This is another tightening monetary policy for controlling the currency inflation. Almost at the same time, the oil price raised.

In this situation, the original hot auto market slowly delicates. People who plan to buy cars now hestitate or give up. For them, these factors do become their burden on payment. As we all know, banks are likely to raise the laon interest rate in the force of the policy of People’s Bank. So, a lot of people choose auto purchase at one time with the money borrowed instead of bank loans. But that’s not easy for those salary people.

 In order to stimulate the dark market, banks unite specialized Auto finance companies carry out favorable projects of installments without interest and fee. The lower requirements catch the customers’ eyesight to some extent. So, A lot of banks design credit card installment loans. This kind of loan doesn’t demand interest and fee from buyers. As long as customers submit the application material and financing certificate, banks settle the loans after they certify them.

Originally, the buyers need to offer the banking fee of about 8.2% for 100,000 yuan Auto in three years. Now, they enjoy the fee free instead of auto favor. Still, they save a lot. That doesn’t mean banks don’t charge these fees, instead these fees are transfered to the Auto contractors. So, you may caution that the auto contrators are likely to add the auto prices and additional fees. Please compare the factories with care before you choose an auto.

Anyway, there always exist solutions for problems. No matter how the benefits contribute, the loan does help the auto market recover. The bank, the contractor and the customer are all looking their own benefits in this Game. They will finally find a right balance.

A loan on studying abroad for your help

Studying abroad is more and more popular now in every country. But as we know, the cost for studying abroad is quite expensive and high, especially in european countries. Because of the exchange rate difference, we need to prepare our savings for decades of years so that we can afford such a large sum of expenditure. If your studying score is excellent enough, you may get full scholar from the abroad University which can spare you much money. But if you are not so lucky, then you need either deposit savings or bank loans. 

In Bank of china, there does be a loan named Foreign Exchang Loan for Studying Abroad. The loan purchase can only limit to tuition fee and living expenditure for their further pursuing for degrees. 

The loan term is normally restricted to one to six years and no more than ten. It’s according to the students studying condition and mortgage propities. As for the maximun amount approved can’t surpass 90% of tuition fee and living expense of students and their accompanny personnel. The interest is floating with the foreign exchange loan set. They accept multiple guarantee types like mortgage, pledge, third-party guarantee and insurance.  As for the capital, it can be transfered into Abroad Branch account, the studying University and borrower’s account.

The payment can be paid by other people in domestic country or in the way of remittence from abroad. It permits payment delay of maximun 4 years during the studying period. You can pay interest only without principle. But a new payment plan should be made on the day you get diploma. Anyone with complete capicity for civil conduct domestic can apply for the loan. The loan can be on the name of students over 18 or the parents.

Sure you have a good grasp of Foreign Exchange Loan for Studying Abroad. Sure it will help both for you and people in familiar around you.

Well plan your children’ money

On each calender new year, your children are likely to get much money from the parents or grandparents. What do you do with the money then? Sure it may be a trouble because the sum is not large still not small. Here are some ways for your reference to plan the money.

First, you can deposit them in banks for interest acting as the spending of their future education fee. In most banks, there is a certain banking product called education savings. This product caters to the future deucation needs of students  at primary 4 and above. The deucation savings plan can be customized to the individual financial needs with a flexible savings period. Customers can determine the total deposit amount of deucation savings and enjoy an attractive interest rate along with tax-free advantages. You need to offer banks non-obligation deucation certificate for account opening.  It’s not difficult but brings benefit.

Second, you can choose to buy banking insurance. This is a product carried out by insurance companies with the agency of banks. The deposit is with a mininum limit of 1000RMB and no maximum limit. And deposting period is three years with the cycle of one time each year.  The deposit is kept by insurance companies. Banks act as agency conducting the insurance procedure.  All the final benefit comes from insurance companies, including insurance principle,  divident and secured interest.  Of course, the benefit fluctuates with the managemnt output of insurance companies. 

Well plan your children’s money, sure it can well be applied to their future expenditure. It can spare parents much trouble and well educate their children how to save money.  It’s worthy.

Are you SOHO

The young generation belong to the 70es or 80es last century are commonly living the life of being soho. The great high pressure of employment, income, house pricing and consumption price etc, all hasten them to choose the new lifestyle for living properly and practically.

The most featured characteristics for the soho is conducting work at home. They don’t go to the labor market for jobs. There may be no fitable position waiting for them. As we know, the employment situation is quite rigorous at present because of the booming college graduate team. Another reason partly attributes to the fact graduates are more critical on working conditions and working forms. It’s more and more difficult to cater to their requirements.  So, they prefer working at home and making money soho.

What effects soho brings? First, it accelerates a hot trend in small family workshops conducting with work like e-business, document typing or translation. It is popular because of the convenient working style and flexible working schedule. Also it doesn’t need much investment or equipment. Maybe one capable PC, a printer and a working desk will do. For newly graduated students,  such small input is still acceptable. As for the output, they don’t expect much by imagination but do rack their brain on it. And they always gain with their smart head and solid professional knowledge.

Soho brings much changes in our society. It’s the end of both the hard social condition and the outstanding characteristics of the young generation. We can say soho well helps solving the problem in employment. Also it makes the working tyle diversify.  But soho can’t solve the problem of employment absolutely. It just offers a transitional step to go. We need to come back to employment policies, educational structure ect for solutions over the long run.

Aggregate loan in savings account

Can you imagine a society without banks? Sure it’s absurd. Banks act as fundpool with the function of assembling social fund at leisure. People deposit their money in bank savings account for management and interest. But do you have some good idea about the deposit when you fall short of  cash in emergency? Despite of your own money in account, the aggregate loan scheme  is likely to get you out of embarassment.

What’s aggregate loan then? Here what matters is the aggregate. It is calculated on your deposit amount  in savings account over the long run. It doesn’t necessary to be fixed but the overflow amount. Though no limit is set on it, still it is in direct ratio to amount which determines the interest comes into being. Always the interest accural occurs on 20th each season. From this, we can see all those deposit well contribute to your savings plan.

In our lives, we may encounter with business investment, children education, houseware consumption and marriage gifts. All these may disturb our life in a sudden. With an aggregate loan, you can well be at ease. You don’t need to have adequate money of your own for these expenditure. That’s to say, deposit in your accout in spare time can well help you in the form of aggregate. Of course you need to apply for loan on it from banks.

Banks check your account for valuation. Always, your account keeps changing for fund flow. The aggregate varies according to fund amount and deposite time.  When you apply for an aggregate loan, your account in banks can not be less than 6 months.  No mortgage or pledge is required. But you need to offer all related documents on loan purpose.  The loan interest is in accordance with relevant benchmark rate of the term set by People’s Bank of China. And it enjoys certain preferential.

The aggregate loan is quite common and also popular in market. Have your fund deposited in account positively in spare time, it melts your crying needs.