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Jingdong book

菜鸟学理财一看就会

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菜鸟学理财一看就会

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本书是国内理财自媒体菜鸟理财创始人洪佳彪(菜导)写的书,是菜鸟理财过去两年来在全网100000000+阅读沉淀的精华合集。
本书作者在创办菜鸟理财的两年间始终保持着对用户的一对一互动,手把手地帮助超过10万名菜友粉丝解决各种理财困惑,积累了丰富的一手经验,并一一融入本书,奉献给你,看完此书,保你菜鸟变高手!
Content Description

随着P2P理财平台的接连跑路,余额宝收益的不断降低,炒股又变成风险巨大的投资方式,在哪儿理财又一次成为人们关注的社会热点话题。从零基础到各种投资方法的介绍,从来不缺少受众群体。现实生活里,工薪族依靠勤恳工作,想换取更多的薪资报酬,不敢过度享受,然而日子依然紧巴巴的。其实,工薪阶层如果有了理财的观念,生活就不会如此窘迫。理财投资是一门很大的学问。
完全靠自学有点困难,专家的建议和前辈的实践是很好的参考。本书作者菜鸟理财菜导通过其运营的菜鸟理财及界面投资频道和读者面对面,不但生动的描述了各种理财热点话题,也在和读者的不断沟通中发现各种理财方法和技巧,其文笔清新自然,通过图文方式生动再现理财疑难,讲解通俗易懂,深受40万菜友粉丝的欢迎和推崇。本书是作者将其投资经历和读者问题的集结并重新整合的一本书,图文并茂,文笔流畅,一定是你的理财好帮手。
Author Description

洪佳彪(菜导),1985年出生于湖南宁乡,长于广东海丰,2008年毕业于广东财经大学。兼具湖南人的吃苦精神和潮汕人的开拓能力,2014年1月,创办中国大众理财综合服务平台菜鸟理财,现为菜鸟理财CEO,普惠金融的忠实践行者。
菜鸟理财成立至今,已带领专业评测服务团队,对超过1000个理财产品进行了评测,为超过10万人次的用户提供了理财咨询服务,并与界面、腾讯、网易、搜狐、今日头条等平台建立了深度合作关系,目前拥有超过40万菜友粉丝。
2010年-2014年曾任财经策划中心华南区域负责人、首席策划官,在此期间与高中同窗创办“小发匠”护发品牌及同名淘宝店至今。2009年创办知行合一品牌策划机构,2008年初创办国内首本校园精品杂志《UR》。
Catalogue

第 1 章 理财基础入门 ……………………………………………………3
1.1 我们为什么要理财? ……………………………………………… 3
1.2 为什么人的一生都要和钱打交道 ………………………………… 5
1.3 普通家庭如何用工资过高品质生活 ……………………………… 7
1.4 理财不可不知的 10 个名词 ……………………………………… 9
1.5 职场新人最常见的三大理财误区 ……………………………… 14
1.6 保险与风险就在一字之差 ……………………………………… 15
1.7 必须注意和重视的一个理财心理小测试 ……………………… 17
1.8 和孩子一起提高 FQ(财商) ………………………………… 22
第 2 章 工资、社保、公积金和养老规划 …………………………… 31
2.1 一个月工资应该怎么花 ………………………………………… 31
2.2 赋税,工资交税你知多少? …………………………………… 33
2.3 交一辈子社保,给你什么保障 ………………………………… 36
2.4 社保交到退休,养老时到底能给我们多少钱 ………………… 38
2.5 不会用 = 白花钱,社保不能白花钱…………………………… 40
2.6 一金 = 公积金,你了解吗? …………………………………… 43
2.7 如何申请公积金贷款 …………………………………………… 46
2.8 规划养老,不能临时抱佛脚 …………………………………… 52
2.9 养老保险改革,实行时候再准备就迟啦 ……………………… 53
2.10 “养老靠自己”:安全性高的理财品种有哪些? …………… 55
2.11 “养老靠自己”:养老理财规划的 3 大法则 ………………… 57
第 3 章 适度透支,利用好贷款和信用卡消费 ……………………… 61
3.1 哪个贷款“套餐”适合你? …………………………………… 61
3.2 选择了“套餐”,哪儿去贷款呢 ……………………………… 63
3.3 银行贷款的 7 大环节和 3 种策略 ……………………………… 67
3.4 什么是信用卡 …………………………………………………… 70
3.5 玩转信用卡之选择信用卡 ……………………………………… 72
3.6 玩转信用卡之卡神的自我修养 ………………………………… 74
3.7 玩转信用卡之快速提额 ………………………………………… 76
3.8 玩转信用卡之积分换礼 ………………………………………… 78
3.9 创新的互联网“信用卡”——花呗 …………………………… 80
第 4 章 基金与股票投资 ……………………………………………… 85
4.1 什么是基金及基金的种类 ……………………………………… 86
4.2 基金的购买渠道——小白的秘籍 ……………………………… 89
4.3 必看:基金投资的 3 个问题 …………………………………… 94
4.4 基金切入时机:中国南北车的“无风险”套利 ……………… 96
4.5 用货币基金的仓位来配置打新基金? ………………………… 99
4.6 事件评测:股指期货上市的影响及基金选择 ………………… 103
4.7 你的基金该何时赎回? ………………………………………… 107
4.8 是时候赎回打新基金了么? …………………………………… 111
4.9 股票投资:你必须知道的几件事 ……………………………… 115
4.10 中签率飙升的打新股秘籍! ………………………………… 120
4.11 如何跟着庄家赚钱? ………………………………………… 123
4.12 爱坐过山车的创投概念股 …………………………………… 126
4.13 广州国企改革热点股剖析 …………………………………… 128
第 5 章 银行理财 …………………………………………………… 135
5.1 一篇文章读懂银行理财产品 …………………………………… 135
5.2 购买银行理财产品必须懂的专业术语 ………………………… 138
5.3 银行理财产品选择四步法 ……………………………………… 141
5.4 为什么理财产品实现不了预期最高收益 ……………………… 143
5.5 被忽略的理财产品募集期黑洞 ………………………………… 145
第 6 章 P2P 网贷相关项目 ………………………………………… 149
6.1 什么是 P2P ? …………………………………………………… 149
6.2 投资 P2P 应该掌握的术语 ……………………………………… 151
6.3 P2P 网贷“抵押”的玄机 ……………………………………… 157
6.4 P2P 网贷的“担保”玄机(雏鸟变神鸟的密码) …………… 158
6.5 选择靠谱 P2P 网贷平台的 10 个细节(投资 P2P 网贷必读) … 162
6.6 投资 P2P 网贷踩雷后该怎么办?(P2P 网贷投资者必读) … 166
第 7 章 互联网金融理财面面观 …………………………………… 171
7.1 余额宝究竟是什么东东? ……………………………………… 171
7.2 招财宝:余额宝好兄弟 ………………………………………… 173
7.3 微信理财通 ……………………………………………………… 176
7.4 京东金融 ………………………………………………………… 179
7.5 百度金融 ………………………………………………………… 182
第 8 章 保险,你了解的够吗 ……………………………………… 187
8.1 关于重疾险的那点事 …………………………………………… 187
8.2 哪些人才适合买万能险 ………………………………………… 189
8.3 香港保险到底好不好?值得买吗? …………………………… 191
8.4 分红险到底应该怎么用 ………………………………………… 193
8.5 买你需要,而不是买别人说好的 ……………………………… 195
8.6 买了保险之后该做什么? ……………………………………… 197
8.7 你知道你有多重要吗?请善待自己 …………………………… 199
第 9 章 职场菜鸟的逆袭之路 ……………………………………… 203
9.1 经济独立的第一步 ……………………………………………… 203
9.2 成家不靠父母靠自己 …………………………………………… 205
9.3 孩子是甜蜜的负担 ……………………………………………… 208
9.4 人过三十,为财务自由而奋斗 ………………………………… 211
9.5 家大业大,如何保全资产 ……………………………………… 212
9.6 如何为宝宝做保险规划 ………………………………………… 214
9.7 我们能为父母做点什么? ……………………………………… 216

Introduction

过去的2015年,对于理财市场来说,无疑是最具颠覆的一年,互联网金融所带来的蝴蝶效应令人震撼,好像你的生活不知不觉进入了互联网金融圈。2015年又有哪些大事与理财相关,看完这些你会发现,你可以不理财,但是其实你就生活在理财中。你是名副其实的“理财”与“不理财”的“中间人”。
2015年互联网金融发展势头势如破竹。此前为人所熟知的余额宝等各种“宝宝类”货币基金已不再是新鲜话题,阿里巴巴、腾讯、百度、京东等互联网巨头重金开辟互联网金融战场,连房地产企业也开始进军互联网金融行业,传统银行开始感受到前所未有的压力,不断推出各种“宝宝类”和P2P理财产品。
过去一年,P2P网络借贷行业更加热闹,平台数量突飞猛进。截至2015年9月底,全国P2P平台数量达到2760家,同比增长62。5%,当月我国P2P行业单月成交量首破千亿,达1146。45亿元,同比增长317%。
在互联网金融突飞猛进的同时,央行2015年全年实行了5次降息,到2015年10月24日,金融机构一年期贷款基准利率下调0。25个百分点至4。35%;一年期存款基准利率下调0。25个百分点至1。5%。这意味着房贷一族月供随之大幅减少的同时,钱存在银行已经越来越不值钱了。
而中国股市2015年却上演了冰火两重天的极端。上半年的牛市在6月15日开始以暴跌的形式让牛市神话破灭,进入“股灾时间”0到9月份,A股在三个月中累挫41。83%,市值蒸发近30万亿元,并历经16次千股跌停“惨剧”。市场血雨腥风之际,散户财富亦随之东流,让人不得不重新审视股票投资的安全问题。
更让70后、80后心塞的是,中国开始要进入“渐进式退休”模式,因为巨额的社保资金缺口等着他们去填补。没有赶上改革开放捞第一桶金,没有赶上分房福利,没有赶上……大家各有各的心塞,但工资却不见涨,退休年龄却要推后5年,一下子不能愉快地聊天了。
这还没完,2015年人民币似乎变得不那么坚挺了,开始贬值。特别是人民币纳入SDR之后,贬值的预期更强了,按目前的行情走势来看,可以说是进入贬值通道了。12月17日,美联储宣布十年来首次加息,美元持续走强也开始被市场看好,而黄金的“黄金时代”却已不再,黄金在2015年延续跌势,“中国黄金大妈”被深度套牢。
这么长串看完,你还敢说你不是生活在理财圈里吗?很多人会说我看晕了,那不用着急。伴随着金融行业的飞速发展,一些风险也同时显现,所以理财怕上当,就跟着菜导理财,既做好投资,也管好钱袋子。
编者
2015年12月

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Jingdong book