3.Q: I bought an insurance when the child is 10 years old for him, there were few salary low incomes at that time, it is big figure to pay 3000 yuan every year. This insurance stipulates children can get 5000 yuan every year after 30 year old, but watch according to the present life development trend, the regaining of 5000 yuan does not seem enough and should pay the cost in the future. Could you tell me while choosing the insurance for children, in view of the improvement of the inflation rate and living standard, is it comparatively reasonable what kind of expenditure and regain the proportion?
A: The insurance is not investing in, the purpose of the insurance is to spend money seeking to be ensured, but not spend money seeking incomes. But according to reliable psychological test, it is eager for quick success to be per capita. Spend money seeking to ensure, can not realize without meeting accident; Meeting an accident sometimes, the party " leaves " ,Can't realize further; And spend money seeking incomes, in black and white, absolutely clear how much investment return is in one year. So, the difficult round pin of the insurance is known to all. Promote while being convenient for taste to cater to customer, the insurance company has designed a lot of secure functions, also invested in " the gag " Products,it promote personnel have their incomes been even more exaggerate limitlessly. Then, the customer is misled " it is to make the investment to buy insurance " ,Insurance real function fade from memory gradually.
The insurance premium that the life insurance will be got in the future, must regard premium which the insured has paid principal and interest of market in several years for many years as, factors such as the inflation that, devaluing, pricing run up,etc. are not within the range of considering. If insured considers the factor of the inflation, hope to take more insurance premium in the future, certainly will pay more premium now, will in fact store more now, take more in the future by oneself, there is no meaning. So, while choosing the insurance for children, do not consider the inflation rate and improvement of living standard, what kind of expenditure regain proportion to be comparatively reasonable, want, consider life insurance bought what kind of guarantee does it can offer on earth!
4.Q: We house have 150,000 deposit definitely at present and 100,000 plan, leave son buy wedding room to spend originally overdue national debt. The son has one year to graduate, put forward and borrow 200,000 ideas of starting an undertaking from family with us recently. The general trend of market development of the real estate is not clear nowadays, I am afraid the room rate will also go up, so just consider the son's marriage is prepared ahead of time. How should this sum of money use reasonable now? It is available whether the son have loan way suitable to start an undertaking?
A: Continue behind the policy of regulation and control of market, the State Council issue severe measure inhibit room rate from go up most will it be April 2005 to real estate a series of earlier stage. During a very long period in the future, every policy of regulation and control will manifest its might gradually, the price of the house property will be from soaring to come back steadily, so it is unnecessary to afraid the room rate will also go up.
The discrimination standard of lending son 200,000 to start an undertaking is it the affiliated trade of the project is familiar with to starting an undertaking? The plan in detail? Has every step of the plan passed abundant demonstration? If it is obstructed to leave in the future, estimate what losses are? Young people are often according to the enthusiasm for the moment, the excited consideration more than being thorough for starting an undertaking. In the high-speed development of China's economy in recent years, the example of starting an undertaking and succeeding can be found everywhere, almost all the trade capital can get rich; But must see at the same time, call in a scene of clicking the tongue very in, examples failing are more than to succeed, the ones that opened a business, desolate excitingly and closed the door are not small number. If there is not even a prospectus, this money certainly can't be borrowed. But if the trade that the son is engaged in is promising, the plan is still careful, worth taking the risk for a while. But the private company established newly, no achievement wants to obtain bank loan at once, unless there are mortgages, it is generally unlikely.