Li Yi thought for a while and said: "To maintain and increase value, we need to consider these aspects, one is high recognition, the other is good liquidity, and the third is security, and the value will not shrink due to some kind of great change." ”

"For example, as more and more forces flock to Heizhou, the mining of diamonds will be opened at some point in the future, when diamonds will fly all over the sky and the price will plummet."

"In addition to gold bars, such as Liangtai wine, which has a high degree of recognition and good circulation among the general public in China, the older it is, the better the value-added."

Tang Fengjie suddenly remembered something, and asked, "What about the calligraphy and painting?" ”

Li Yi still shook his head and said, "Calligraphy and painting? That thing is too risky, and the liquidity is too low, and the public doesn't agree with it.

The added value must be guaranteed to be able to be realized urgently. The valuation of calligraphy and painting is ever-changing, the public says that the public is reasonable, the mother-in-law says that the mother-in-law is reasonable, and buying calligraphy and painting is only a hobby of collecting, not a means of maintaining and increasing value. ”

"Nowadays, everyone is looking for ways to preserve and increase the value of their funds, but everyone can't see the right way to invest.

In the bank, the depreciation of funds is faster than the rate of interest, and it is not cost-effective.

If you buy all kinds of financial management, and you are worried about being cheated or all kinds of tricks, there are investment traps everywhere on TV or in the media, and you can't prevent it. ”

Dong Xiaonan nodded his chin and asked, "Didn't many people say that they wanted to do part-time jobs?" For example, live sales or some dubbing or something, it is said to be very profitable! ”

Li Yiwan smiled: "Let me ask you, if you find a treasure that makes money, will you share it with the public?" ”

Dong Xiaonan didn't think about it, and blurted out: "Definitely not, how can I share the money-making methods I discovered?" As soon as you share it, won't it make money? ”

Li Yi nodded: "Yes, these live broadcasts or dubbing part-time jobs are the same, if they are very profitable, then why do they have to make it public?" As long as it is a high-paying part-time job that is openly recruited, it is all a lie.

Every industry is a first-mover take-all, and it makes a lot of money. Those who enter later can only drink the soup, and those who enter later can't even drink the soup, and even have to lose money!

So how do these people live? They will advertise everywhere about the benefits of this industry, and then trap the fools who believe in them, and they will run away with the money themselves. ”

Everyone suddenly realized, haven't all the financial runaway incidents in recent years been done like this? At first, the slogan was loud and loud, and after the circle of money, one day suddenly ran away, and even the figure of the person in charge could not be seen.

Li Yi continued: "So, life is full of investment traps, but how do these investment traps come about? That's the deception of some well-intentioned people.

Where does people's anxiety come from now? It doesn't come from the surroundings, nor from its own work, but from some media with ulterior motives!

Many people's lives are extremely anxious, because when they turn on their mobile phones, they see tens of thousands, or even hundreds of thousands, of others a day, and then look at their own salary schedules, and the gap in their hearts is about to catch up with the flying stream of 3,000 feet.

But in reality? How many of those media boast about earning tens of thousands a day a month? Can they earn tens or hundreds of thousands of dollars a month every day? It's simply impossible! It's all made by data fraud!

However, most people believe it is true, and even think that this society is very rich and energetic, but he himself is cystic and shy, and then he begins to give up on himself. This is the reason for the impetuousness of society.

Looking at the appearance of these daily incomes of more than 10,000 or even hundreds of thousands, they are all exquisite scams, traps created by some unscrupulous people or groups, in order to encourage most people to be fooled and buy their products. ”

Dong Xiaonan muttered: "I really thought that those media were rich people, for example, they did live broadcasts, and they had tens of millions of transactions at every turn, that is, hundreds of millions of funds were flowing, and even the lowest commissions were tens of thousands, I was really envious."

It's been a long time, it's all a deceptive routine? No wonder I see that they earn more than 10,000 yuan a month, but those anchors are still living in poverty, this is all a fool? ”

Li Yi nodded: "All the sweet dreams are carefully compiled by someone. When you wake up from a dream, you will have a lifetime of unforgettable pain and regret. ”

Tang Fengjie and Director Dou glanced at each other, they were really emotional, looking at the various propaganda routines now, there is really a feeling that the back waves of the Yangtze River are pushing the front waves.

At their time, not to mention these traps of fooling people, even speculative actions would be severely punished.

"Can the wealth of many insurance companies be invested? It seems that the insurance company's publicity is very good, and the repayment of principal and interest when due also has a certain protective effect. Director Dou asked softly.

Li Yi said with a smile: "The so-called financial insurance is a huge pit!" Don't fall into the pit, you can take a look, basically financial insurance is a type of insurance that starts in 20 years, or even more than 30 years.

This is where the insurance company is cunning, and he is also betting that this man will definitely need this money in thirty years! In addition, the protective effect of financial insurance is almost equal to none. ”

Dong Xiaonan asked puzzledly: "Wait! You say that this financial insurance is gambling that this person will definitely need this money for 30 years? What does that mean? ”

Li Yi smiled and said, "Think about it yourself, for example, if you invest in a financial insurance policy, you will pay hundreds of thousands or even millions of dollars every year, but can you ensure that you don't need this money for emergencies in the next 20 or 30 years?" ”

Director Dou thought for a moment and said, "Definitely not!" ”

Li Yi: "Yes, the routine is here!" The insurance company bets on the person who buys financial insurance, and will definitely use the money, so this financial insurance is a type of insurance that the insurance company will make a steady profit and not lose money, and it is also known as the cash cow of the insurance company in foreign countries.

In foreign countries, the average rich man will not touch this financial insurance, because the hole is too big, and consumers often lose their money. ”

Tang Fengjie was a little puzzled: "After talking for a long time, I still don't understand what this means?" Why is wealth management insurance a hole for consumers? ”

Li Yi waved his hand: "Don't be impatient, listen to me slowly."

Financial insurance, as the name suggests, is essentially for financial management, but what about reality? The value-added value of wealth management insurance is not as good as that of bank products in the same period.

The main purpose of buying financial insurance is to take a fancy to financial insurance, which is guaranteed and value-added, right? But actually, huh? Wealth management insurance really has no protective effect.

The reason why financial insurance is a hole is because financial insurance requires the delivery of a large amount of money, which will give people the illusion of saving money in the insurance company, and feel that the money can be withdrawn at any time.

But in fact, when consumers go to withdraw money, they will be refused to pay by the insurance company on the grounds that the wealth management insurance is not due, or another way: use your own financial insurance to apply for a policy loan from the insurance company!

In layman's terms, it is your own money to make a mortgage and make a loan! ”

Dong Xiaonan frowned, seeing the loophole: "Isn't this a pit person?" I can't take out my own money yet? Do I want to use my own money to get a loan? What is the rationale for this? I can always surrender the policy, right? ”

Li Yi smiled: "The insurance company is waiting for you to surrender the policy!" ”

"Huh?" Tang Fengjie looked at Li Yi puzzled.

Li Yi: "Because as long as you surrender the policy, the insurance company can swallow up most of your funds as it should be, which is called the cash value of surrender in the regulations!"

In other words, the insurance company can follow the regulations and openly swallow up the money that originally belonged to you, which is the loophole of financial insurance.

As long as the policy does not expire, consumers can't take out their money at all, and if they want to cash out, they either surrender the policy or use the policy to take out a loan, but these two ways will allow the insurance company to get a lot of unconscionable money from consumers. ”

Tang Fengjie sighed: "This is simply a routine in a routine, I thought this was a safe thing, but I didn't expect there to be such a dark side." ”

Director Dou raised his head and asked, "By the way, I want to ask, is it better to buy this insurance separately or together?" ”

Li Yi hesitated for a while: "It's better to buy separately, one to buy separately, you can avoid some moral hazards, for example, the flickering of the insurance salesman, an insurance fails, at least there are other insurance backs."

Second, buying insurance separately will not be regarded as a major wrongdoer. ”

"Wronged? What does this mean? Isn't insurance a necessity in today's social life? How did buying insurance become a big wrong? Dong Xiaonan tilted his little head and asked curiously.