Thursday, April 13, 2023

银行经理的“良心劝告”:一定要在家里储备5000元或1万现金!

 

引言

现在绝大多数人都已经习惯了没有纸币的生活,尤其是在移动支付不断深入发展的当下,只需要一部联通网络的手机,就可以满足我们在支付上的需求。

但一位在银行工作的经理还是更建议,一定要在家里准备5000元或1万的现金,以此来应对一些突发情况,真的是良心劝告大家了。下面,我们就一起来看看具体的解释吧。

一、为什么建议大家准备5000~1万元的现金

这段时间,有一名网友在网上分享了自己的经历,孩子晚上突然发热,要在儿童医院办理住院。医院要求必须要缴纳1万元的押金,网友手机上的钱不够,手头上又没有现金,急的不知道该怎么办。

好在医院工作人员通情达理,在网友抵押了自己的身份证之后,就给孩子办理了住院手续。

第二天等银行开门了,这名网友才去银行现取了1万块钱来缴纳押金,好在没耽误孩子的病情,一切都是有惊无险的。

有了这段经历后,网友充分意识到了在家中常备一笔小额现金的重要性。虽然手机支付非常方便非常快捷,但在一些特殊情况下,现金还是更加实用的。但银行经理并不建议大家在家里放太多现金,毕竟还要考虑到一个安全方面的问题。

通常来说,准备5000~1万元的现金就足够应对绝大多数突发情况了。即使我们没有办法使用手机支付,也没有办法从银行取钱出来,这比以前也够我们撑个十天半个月。十天半个月的时间,也足以让我们解决这些突发的问题。

如果在家里放了太多现金,家里的安保措施又做的不够好,那么就很有可能会遭到不法分子的惦记。

遭遇财产损失都是小事,万一不法分子起了歹心,做出伤害我们人身安全的事情,那可就得不偿失了!

二、现金支付有移动支付替代不了的好处

现在绝大多数人尤其是年轻人都已经完全适应了移动支付,甚至不愿意使用现金。但他们都不知道,现金支付仍然有着移动支付无法替代的好处。相比较于后者而言,前者往往能帮我们更好的省钱。

不知道大家有没有关注到前段时间的财经社会热点新闻,现在不少年轻人都开始放弃银行卡,在银行办理了存折。

在我们绝大多数人的印象当中,使用存折的大多是一些保守的老年人。他们普遍认为银行卡存钱是不安全的,因此才会继续选择存折存钱的方式。有了存折之后,自己的每一笔收入和支出都会被记录的一清二楚。就算忘记了,也可以通过看存折的方式回忆起来。

最重要的是,存折不能与我们的移动账户直接联通,也不能像银行卡一样想刷就刷这样的存储方式,往往更有利于我们节约资金。

尤其是对于一些花钱大手大脚的年轻人来说,有事没事就打开电商平台网购一番,看见什么喜欢的东西都想买下来,这样又怎么能省下钱来呢?

老一辈的人之所以能省下金山银山,不见得是他们赚的多,而是他们花的少。不少老年人都是过过苦日子的,因此即使现在手头上有了可观的资产,他们也不会轻易花出去。生活中的每一笔钱,都必须用在刀刃上。

在计划生育政策的影响下,现在绝大多数年轻人都是家中的独生子女。

大家从小就在长辈们的关爱和宠溺中长大,基本上没过过什么苦日子,因此更加不懂得金钱的珍贵,只想着如何满足自己的消费欲望。尤其在互联网经济不断发展的当下,一部手机就可以给我们提供不少消费渠道和消费机会。

比如说点个外卖、逛个淘宝,出门打个网约车,追剧开个VIP……很快,我们账户中的余额就会被消耗殆尽。

部分消费者为了满足自己的消费欲望,还有可能进行超前消费,通过各类网贷平台给予的信用额度来满足自己不断膨胀的消费欲望。

这样的做法不仅不能给自己带来真正的快乐,还有可能会背负上沉重的贷款。以至于还没有买房子,就已经快被贷款压喘不过气来。

结语

总的来看,移动支付并不是万能的。在一些特殊情况下,我们还是得用现金进行支付。与此同时,采取现金支付的方式还可以帮我们减少不少不必要的支出。看着手上现金的数量越来越少,心里的消费欲望也会慢慢消退。但如果是移动支付,就很难给我们这样直观的感受。

7位数存款5年未动,主人电话已空号,浙江一银行急寻河南籍储户

 7位数存款5年未动,银行着急寻人却找不到客户。4月13日,浙江某银行一客户经理求助一档电视节目,希望能寻到这笔钱的主人,确定她是否安好。

WX20230413-210539@2x.png图源:小莉帮忙

浙江某银行客户经理表示,近期整理信息时,发现1笔7位数存款从2018年以来一直没有动过,而且是以活期的方式存在银行里。

该客户经理表示,这种情况“不太寻常”,客户原先登记的是杭州这边的地址,但是现在已经没有了。客户是河南太康籍,年龄在70岁左右,是一位女性,手机号为空号。

因跨省且身份地址信息查询多次无进展,该客户经理向媒体求助:“最主要的担忧就是怕客户已经不在了。如果当地能联系到派出所、公安的一些信息,希望能看一下这个客户是否安好。毕竟这不是一笔小数目,希望她自己还记得有这笔存款。”

对此,有网友表示“银行非常负责靠谱”,还有网友评论,“希望能快点找寻到老人”。

(极目新闻综合河南电视台民生频道《小莉帮忙》、网友评论)

(来源:极目新闻)

Monday, February 27, 2023

中国股票信息:数字经济!

 盘后的重要消息有:中共中央、国务院:做强做优做大数字经济。今晚印发《数字中国建设整体布局规划》,规格非常高,有几个重磅的亮点。

      第一,从数字经济升华到数字中国;第二、将数字中国建设作为对领导干部的考核,未来各省市有望班长挂帅;第三、调整不适应数字化发展的法律制度!总之,稳经济的核心是新基建,新基建的核心是数字经济,靠数字经济赋能实体经济,这是今年经济最大的动能!而地方要考核,官方必然有动力推动的。


数字经济这个题材,从2022年的东数西算,到数据要素,到信创,再到今年爆火的人工智能。数字化成为2023最大的投资主线,这个可能性是很大的!


    最近市场走的惨淡,一是没有主线,二是没有连板。明天数字经济,信创、人工智能估计又要爆了,能带动市场的人气吗?还是高开低走的骗炮呢!

      人工智能现在最大的问题,作为一个4.6万亿市值的板块,一个月就涨了30%。但回调周期却不够,导致第二波的预期迟迟不到来,就看明天会不会直接高举高打了。

Thursday, February 23, 2023

HOW TO KEEP YOUR CAR ON THE ROAD

 One of your most important and useful possessions is your vehicle. It is your primary mode of transportation and is depended on to get you where you need to be every time you need to be someplace. You expect to be able to get into it, start it up and go without any troubles or setbacks.

This is why, when it comes to your vehicle, you should do all you can to make sure it is in tip-top shape. Doing this keeps you and our family safe, saves you money in the long run, and preserves the life of your vehicle.

No matter how much you paid for your car or whether you bought it new or used, taking care of your vehicle is a smart investment. With that being the case, here are some things you should do to maintain your vehicle and keep it in great running condition.

In order to get the most out of your vehicle and keep it on the road, you need to give it proper care. This includes you doing the following:

Regular Maintenance

Making sure your car is running properly means you should ever overlook the importance of regular maintenance for your vehicle. Getting your car serviced costs you now but helps you to avoid much more costly repairs later. Some people choose to forgo regular maintenance, and this is a big mistake. The manufacturer has set up the maintenance schedule based on what the car needs at that time. If you do not have your vehicle’s maintenance schedule look your car up on line and you can locate it, or head to a dealer and ask for the service schedule for your vehicle.

When you do, never overlook such important items as oil checks, tire rotations, and brake pads and alignments. One particular item that sometimes gets overlook and is very important is your car battery. The battery is very important in starting your vehicle and if it is not working properly, you or your loved ones could be stranded many miles away from home.

If you live in the UK visit Kwik-Fit.com, the UK’s premiere vehicle service centers, who can check your battery and replace it if needed. These items are not only important for preserving your car or truck, but they also keep you, your family, and others safer on the roads.

Get it Serviced after an Accident and Before a Trip

Also remember, that if you are ever involved in an accident, you need to have your vehicle checked out at a service station to see if there is any damage that inhibits its ability to operate properly in every possible situation. Lots of times, damage cannot be seen with the naked eye and the car needs to be inspected by a professional to find it.

If you plan on taking a long road trip you also need to get your car serviced by having all of the systems checked, fluids topped off and tires checked for wear. This can save you heartaches on the road when traveling.

Keep Your Vehicle in a Garage or Under a Shelter

Keeping your vehicle in a garage or under a shelter will protect it from the elements, and provide a level of protection for your vehicle. The sun, wind, rain and snow can cause damage to a car’s paint over time and make it look older than its years. Also car thieves look for cars that are out in the open and to which there is easy access. By putting your car in a garage or other shelter you put aside both of these issues. So it is smart if you have a garage to use it to store your car and if not, consider buying a carport or car cover.

Being diligent about servicing and taking care of your vehicle will bring you loads of benefits.