After, I graduated from technical secondary school for 10 years.

　　After, I graduated from technical secondary school for 10 years.

 

I am now working in a foreign company's Wuhan branch, with an annual revenue of 10 million after tax, and a total of 1.5 million meal stickers and car stickers. I joined my work after I graduated from 18-year-old technical secondary school. The first thing I remember most was that I had to pay a dead debt to my company after I had paid about yuan in advance after two years of work, the reward is one or 130 m² of the land in the debt repayment part of the other party (I had a land certificate in the village of Wuchang City. At that time, I went to see a deserted area surrounded by Tian ''''').

In, I basically worked as an apprentice in the company as an employee, and I learned how to test my English.

02 when I first became a customer service supervisor in 0.2, I purchased a commercial house and borrowed no loan '''. I paid my parents for the renovation. At that time, my monthly income was million, and I paid off my loan 3 million in two years, my parents paid yuan and saved 2w3.

In, I sold and purchased a large house loan of Yuan. 04 at the end of the year, with the persuasion and help of the boss, a five-and-a-half private house was built on 130 m² square meters of open space, I sold million yuan for the first floor of the facade and two big data houses on the top floor to cover the building and handle the procedures for a total of 40 million yuan, and the remaining yuan will be credited. There is also a monthly rental income of about 620 m² million for the two-card house. He obtained an engineer in the same year.

For sale in 0.13, the purchase of the big house was changed to buy two sets of small apartment houses in JiaDi district, one for rent: W; one for self-occupation; 5 W for loan. And entered the current company that year, into 100, 100 phone bills per month, 100 meal stickers, car stickers.

In, the salary did not change, but the year-end income was higher than 3 W because of work efforts. The total price of one private room is 22 W. In the Middle East West Lake, I purchased a 110 m²-unit down payment of million loans. In the same year, I paid off my 05-year loan. I was prepared to provide my parents with no rental income. The monthly renewal fee was 90 yuan. (10 million Provident Fund loans and 10 million commercial loans ).

At the beginning of the year, we will apply for a fixed investment of million RMB per month. In, we purchased a fund of RMB, and now we have lost 3 million RMB. As it became a technical backbone and the company was doing well, it was still 3 million more at the end of the year.

In, the salary may be adjusted to, but because the company's performance is unsatisfactory, it is possible that there will be no additional dividends at the end of the year, so it will still earn 10 million. This year, I plan to study and repay 10 million commercial loans.

　　My assets:The current period of about 550 m² million, the Fund with a market value of 0.32 million, the income of 0.15 million private rooms and monthly rent is million, the income of 2 small apartment rooms and monthly rent is million, and the monthly income of 1 set of negative asset large rooms is: because I keep interest adjustment, I save million messages every month. Both the company and I are considering commercial insurance.

　　Current conception:I did not know much about the stock market, so I bought the fund... I once again proved the truth that I am not familiar. However, I am not allowed to redeem it for 10 years. All my savings are basically invested in fixed assets, and I am going to continue. I don't think there are always people in the stock market advocating long-term holding as the best way to invest? In this case, real estate is definitely a long-term investment choice, and the stock market risk is high, suitable for speculation. Therefore, I will devote all my assets to my real estate. I now use monthly rent to cover up to 0.3 million more loans each month. I try my best to keep my monthly expenses within million more than one year, if I need to purchase a house or pay off a loan when I expire, I will do low-risk financial management for the bank if I don't need it. The only dissatisfaction is that there is no suitable commercial insurance, and you are planning to start planning at the age of 30. However, it should be noted that at any time, there must be a 10 million flexible savings as an emergency.

　　Future:I plan to switch from my job to a state-owned enterprise after I was 50 years old. Someone will help me continue to pay five insurances and one gold. At that time, there should be enough contacts and qualifications. In addition, in the next 22 years, we will strive to purchase real estate at the speed of every 7-8 years (7-8 years means that both the first payment and the loan will be settled during this period ). Now, when the housing market is unstable, I have decided on the assumption that if my deposit for 1-2 years cannot cover the down payment, 7-8 years of income cannot cope with loans, then I will make money for low-risk banking until the house price is reasonable.

　　Summary:I am satisfied with the current situation. In fact, my income was not high at the beginning, one of the reasons for getting to the present is good living habits and saving (I don't smoke, don't drink, just drink tea, stay up late, and usually choose public transit), insist on accounting and planning to use money, don't change jobs randomly (I have only one job-hopping job in 10 years and my current company is the upstream supplier of the old East house. My private house building is my first help from the east house ,) and the most important point is to keep learning and charging (I have graduated from a secondary school and now I am a bachelor's degree and an Engineer ).