Long Vacation Travel Finance Two Is Not Wrong &Nbsp; Fragmented Holiday Various Financial Solutions.

Case: Xiao Rong works in a foreign-funded enterprise. He often works overtime and has very heavy working pressure. So when he has leisure time, Xiao Rong likes to travel around.

Every year, she takes a golden week to arrange a trip for herself, and pulls 32 friends together to relax and adjust the pressure of tension.

Seeing that this year's Mid Autumn Festival and National Day holidays will be coming, it is especially tangled that this year's holiday is very messy. Xiao Rong wants to plan a self driving tour to relax in the surrounding area of Shanghai for three days, or to travel agencies to see if there are five days or so for domestic tours, or to invite more than two days of public holidays to connect the Mid Autumn Festival and National Day holidays.

Xiao Rong is a "single noble", earning 11000 yuan a month after tax and 14 yuan a year.

Over the past 5 years, she has also accumulated about 350 thousand yuan, usually in the stock market, but the market is not very good recently.

Xiao Rong hopes to enjoy the easy travel while enjoying the happy financial management.

Hongkong registration

The annual golden holiday is the peak of domestic and foreign tourism.

After working hard for a few months, it is time to relax and reward yourself, relieve stress and relieve tension. Tourism is indeed the best way of charging.

While charging people, do not forget to "charge" the wallet. It is necessary to rationally arrange short-term financial management to get more income, but also to moderate tourism consumption and reduce unnecessary expenses.

Travel?

Outbound travel, especially overseas travel, is often neglected by the public as "travel insurance".

In fact, it is precisely because people are in a completely strange environment that they are more likely to encounter some urgent emergencies, such as accidents, medical assistance, robbed and so on.

Travel insurance seems to be more than a one-time expenditure, the probability of compensation is also very low, but with this insurance, there is no doubt that one layer of protection, more fun to play.

Therefore, it is suggested that Xiao Rong can choose a suitable travel insurance product based on the number of days and places to travel.

For example, overseas travel, some countries will require overseas travel insurance and travel emergency rescue medical insurance when they are visas.

The protection items usually cover unexpected injuries, medical expenses compensation, emergency medical rescue, travel delays, checked baggage delays, family property insurance, baggage loss, baggage loss, travel ticket losses and so on, and considerate the details of every travel needs.

It needs to be reminded that there are insurance exemption exemption for countries and regions where wars are unrest or outbreaks, and should be avoided when choosing where to go.

If it's a domestic tour, the insurance is much simpler. Buying a short-term accident insurance can basically meet the demand.

If you are driving a car, you should check in advance whether you have bought the compulsory insurance for your car and all kinds of commercial risks, such as vehicle loss insurance, theft and emergency, seat liability insurance on the car, glass separate breakage, spontaneous combustion risk, scratch risk, excluding deductible insurance, etc. of course, there is a need to weigh the risks. The more insurance you have, the higher the premium you will pay.

What needs to be reminded is that even if we buy a full set of vehicle insurance, we should fully estimate the complexity of roads, and prudently drive and pay attention to safety is the biggest guarantee.

It should be noted that the duration of insurance coverage should cover the whole travel cycle. In particular, attention should be paid to the effective date of insurance policies. Some insurance policies are not immediately effective after purchase, so they need to be prepared beforehand.

Travel insurance is necessary to buy, but there is no need to buy more. If you have bought such an accident insurance, or some bank's credit card itself will also give you some accident insurance, you can consider reducing expenses in this case.

be good at using sth. or sb.

Nowadays, credit cards, like identity cards, are "essential commodities" for outbound travel.

Spending a lot of money on tourism is not only helpful to save money, but also help to plan flexible daily financial arrangements.

First of all, we should make good use of the interest free period.

The credit card has two important dates, the day of the bill and the repayment date, and the day of the bill is the date of the bank's bill. All the consumption before the cardholder will be listed. The repayment date is the last date of the current account repayment. Generally, the repayment days of each bank will be 20 days to 25 days than the day of the bill.

As long as cardholders pay their debts before payment, they can enjoy interest free.

Therefore, when the card holder is spending his credit card, he may consider choosing a longer credit card with interest free period to brush.

The Mid Autumn Festival holiday is concentrated in the late September and early October, so we can consider choosing a credit card credit card consumption at the end of September, which can postpone the repayment until November, and can reasonably occupy a longer interest free period.

Although theoretically, the more credit cards are, the more dispersed the days of payment and repayment are, the longer the interest free period for each consumer can be enjoyed. But in fact, if the cardholders often use more than 3 credit cards, the complexity of daily management will be greatly increased. If the mistake payment day has resulted in the overdue payment, it will be more than a loss.

Secondly, we should make good use of debit card to bind repayment.

Cardholders try not to save money in credit cards. The deposit bank in the credit card does not pay interest. The cardholder can deposit the money in the debit card, and at the same time handle the binding repayment function of the credit card and the debit card.

That is to say, as long as the cardholder is authorized to sign the contract at a time, the bank will automatically deduct the corresponding repayment of funds from the cardholder's debit card on the day of repayment.

In this way, the cardholder can maximize the reasonable occupation of bank funds, with sufficient interest free period and at the same time avoid overdue payment and penalty interest due to missed repayment days.

Many bank debit cards also support the function of automatic financial management. The current funds deposited can receive the corresponding deposit receipts according to the date they have been stored. This undoubtedly greatly improves the efficiency and benefits of cardholders' capital utilization.

Third, we must be good at choosing foreign currencies.

In the "wallet abroad", a double currency credit card is undoubtedly necessary, usually the UnionPay and VISA or MasterCard's RMB and US dollar dual currency cards.

So, how should we choose the trading currency when we credit card? In the case of RMB appreciation, if we consume in the US, we should choose VISA or MasterCard channel to brush US dollar account.

In non US dollar countries, the holder of the US dollar account will pay an extra payment of about 1.5% of the US dollar's currency conversion fee to the local currency.

Some banks will issue dual currency credit cards, such as RMB euros or RMB yen, which are also good choices for cardholders who go to Europe or Japan. However, these dual currency credit cards may have a certain cost of card operation. Cardholders must understand their charging standards and weigh their advantages and disadvantages before applying for them.

Fourth, we should make good use of points, special merchants and joint cards.

In general, card issuing banks will conduct some credit card integration activities on a regular basis. Cardholders can pay special attention to their favorite gifts. Cardholders also need to pay special attention to the validity of credit card integrals. Do not try to save points and forget to exchange gifts and expire.

In addition, many card issuing banks will provide some preferential business for credit card consumption, which will usually get extra benefits, such as consumption discounts, double points, parking fees and activities gifts.

You can also exchange gifts on the Internet for auction, or exchange some things you need with others, so that integral gifts can play a greater value.

Finally, we must be good at controlling credit lines.

People who know how to manage money must be moderate.

Water can carry a boat, and it can also overturn.

Credit cards can be used well for money management, but if they are used badly, they will lose money, or even make it difficult to extricate themselves like drugs.

Now, some "moonlight clan" are spending money on credit cards, wasting their credit lines, and even applying for credit cards of several banks to expand their credit lines. When they repay, they have to take advantage of the wall to make up for their losses. Whether they are overdrawn or used in the form of minimum repayment, they will bring high cost of using cards.

For those with less self-restraint, it is suggested that they keep only one bank credit card, and call the bank's customer service center to lower the credit card amount to the affordable capacity.

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Tourism expenditure needs rationality

After coming back, they usually find themselves spending too much on their own, or buying things that they do not need or are too expensive.

Although it is usually within the scope of economic support, from a financial point of view, reasonable spending is also a necessary course for wealth planning.

If you choose a travel agency or a group tour, there will usually be special arrangements for shopping activities. Usually such a place of consumption will give a guide to a commission, so the price is higher, so don't be impulsive when buying, do not see the special products and be busy with your wallet, or ask the local people first, where do they usually shop, and then decide when the goods are better than three.

If you are traveling abroad, you should also plan for the luxury consumption, and buy the right things in the right place at the right season.

In terms of other travel expenses, it is also necessary to weigh comprehensively. For example, the price of Golden Week tourism usually goes up 20%~30% than usual, and the flow of people on every line is gathered, and the quality of travel is difficult to guarantee.

For those who are relatively relaxed in their holidays, there is no need to squeeze the Golden Week tourism. This is a good choice.

If you choose to travel by yourself, you should plan ahead as soon as possible, and book more tickets and hotels in advance to enjoy more discount.

Tourism is not only the exclusive enjoyment of the rich, but also for ordinary people, it can choose the right route according to their abilities. Just like Beckham and seaweed's low carbon outing on the weekend, as long as they have a pair of natural appreciation eyes, life is everywhere.

N financing for fragmented holidays

During the long holidays, if the stock market is closed, if the 350 thousand yuan fund is still placed in the capital account of the securities company, only 0.36% interest rate will be obtained. This is undoubtedly the least efficient way to use it.

The most prominent requirement of short-term financial management is liquidity, followed by security and profitability. Based on this premise, investors with different investment experience and risk preferences can choose different ways to meet their respective expectations of different risk return ratios.

In terms of low risk and high risk, short-term financial management can be broadly summarized as follows:

The 7 day notice deposit of a bank has a threshold of 50 thousand yuan, and every 7 days as a rolling cycle. At present, the interest rate of 1.35% is 3.75 times higher than that of 0.36%, and the interest rate cycle is 7 days.

It is undoubtedly the best choice for conservative investors with certain idle funds.

If it is a mid autumn festival or a relatively short holiday on weekdays, you can also choose 1 days notice deposit, and the current 0.81% yield is 2.25 times higher than the current interest rate.

Money market funds, which are comparable to demand deposits, are mainly invested in bonds, bills, bank deposits and other tools in the money market within 1 years.

Compared with the 7 day notice deposit threshold is also greatly reduced, only 1000 yuan, is undoubtedly the most popular cash management tool.

At present, the average yield of money market fund is 7 days, and the rate of return is about 1.7%~1.8%.

However, due to the limited investment targets of money market funds during the long holidays, most of them are in a state of suspension trading, so money market funds usually stop buying before the arrival of long holidays.

For investors who have not yet had time to purchase, I am afraid they will have to find another way.

The cash management products of banks often invest in "days". They invest mostly in the low risk areas such as money market, bond market, interbank market, bills, etc.

Such products are comparable to the money market fund, with a gain of more than 2% in 7 days or 1.45% in 1 days, but the threshold will not be lower than 50 thousand yuan or even higher.

Banks will also provide different levels of return for different levels of investment customers. The higher the amount, the higher the yield.

Financial products are the best choice for investors who are sound and conservative.

For investors like this, such low risk short-term financial management is the most suitable way for investors.

For some investors who have a long vacation at home and have time to focus, they can also try other investment fields if they have higher risk tolerance.

Gold investment is suitable for investors with certain investment experience and risk tolerance, and suitable for short-term operation is paper gold and gold T+D.

Paper gold can only be made by making more profits, the threshold is relatively low, generally 10 grams, with the current price of gold to make about 2700 yuan.

The gold T+D is a margin trading with leverage mechanism, which can be done more or shorter. The starting point of the paction is 1000 grams. The margin ratio of most banks is 15%. At the current gold price, the threshold is at least 40000 yuan, and the risk is higher. Once the direction is reversed, it will lead to a bigger loss.

Forex, which needs more professional and risk tolerance than gold trading, is suitable for aggressive investors.

The international exchange market is changing. The correlation and volatility of capital market, commodity market and foreign exchange market are increasing. Foreign exchange investors must pay attention to the financial, economic and political information from all over the world, and respond to them at the first time. These undoubtedly raise higher requirements for investors.

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5 holiday combinations

After the Mid Autumn Festival and the National Day holiday, we welcome "September 17th to work, 18 days rest, 19 to 21 days to work, 22 to 24 days rest, 25 to 30 days to work, October 1st to 7 rest, 8 days to 9 days to work, 10 days rest......"

In this way, working days and rest days are divided into 8 parts, such as the general conversion of "riding lanterns", and the working days and rest days of more than half a month.

So some people call this year's Mid Autumn Festival and National Day holiday "the most abnormal holiday in history".

So, it's time to test the wisdom of travel.

No matter what your vacation is, as long as you carefully combine and skillfully use the annual vacation to splice together, you can pform the "most fragmented" holiday like jigsaw puzzle into N vacation combinations and travel plans: "3", "7", "3+7", and "7+10".

Or "16" or "23"? The number is different, the journey scenery is different.

"8" plan

Strategy: September 25th - 29 days off for 5 days

Result: September 21st - 29 days, 8 days off.

For the crowd: if there are too many people on the National Day Tour, and the three day's mid autumn holidays are too short to travel long distances, such a combined 8 day holiday is enough for you and your family to enjoy the easy mid autumn journey.

After returning to work, a small adjustment for work day, but also can use national day to reunite with friends and relatives.

"7+3" plan

Strategy: October 8th - 9 days off for 2 days

Result: October 1st -10 days rest for 10 days.

Applicable crowd: if there is no annual leave, then after 7 days of National Day holiday, if you ask for 2 days off on the 9 and October 8th working days, you will have 10 days off in early October.

This is also a good way to turn zero into whole.

"7+7" plan

Strategy: September 19th - 21 days off for 3 days

Result: September 18th - 24 days, 7 days off.

Suitable for people: if there are two places to go and do not know how to choose, then the "7+7" vacation plan will give you no regrets.

If you want to avoid the peak of the flow of people and travel easily, you will spend 3 days off the holiday before the Mid Autumn Festival. In this way, you can safely take two 7 days long vacation.

"23" plan

Strategy: leave 11 days to fill all working days.

Result: September 18th - October 10th, 23 days off

Applicable crowd: if it is the "senior" in the unit, there will be enough annual leave this year. The next 9 and October will happen to be your off-season, and there is a reasonable boss. Then, from September 18th to October 10th, all working days will be taken off, that is, the annual leave of 11 days should be converted to a 23 day coherent vacation.

"16" plan

Strategy: September 25th - 30, leave for 6 days.

Result: September 22nd - October 7th, 16 days off

Applicable crowd: if there is only 5 days' annual leave, you can take 5 days' annual leave on September 25th - 30, plus one day off, that is, from the beginning of the mid autumn holidays in September 22nd to the end of the National Day golden week in October 7th, you can form a 16 day long vacation.