The first is career planning, which is more practical for young people. Is there any follow-up education to see if the current income level is stable? I want to share my experience with you. When I attended the training in Hong Kong, I found that many people in Hong Kong were still studying in their forties and fifties. At the same time, a person will have many professional qualifications, including people in their forties. This may be caused by the tiny place of Hong Kong, which is extremely stressful and represents an attitude towards life. Do you want to continue your studies?

The second is children's planning. If you have a friend with children, you should think about it. You should establish a perfect protection plan for your children. Have you made a detailed education plan or even a savings plan for him?

There are two ways to save. The first is the educational reserve, which is a national reserve variety. The amount that can be deposited in the education reserve fund as stipulated by the state can be exempted from interest tax. There is a certain amount, 5 thousand or 10 thousand, and the use is limited. The education reserve fund is for children and is exempt from interest tax. The second is the child's account. At present, Chinese and foreign banks have launched children's account products. The head of the household is a child and the operation is an adult. There are many value-added benefits in the account, such as discounts and regular activities to help children have the awareness of investment or financial management since childhood.

The third is real estate planning, which is the real estate planning that China residents are more concerned about. Many young people will have their own property before they get married. When did you buy it? What area of real estate to buy is the solution of your real estate planning. Buying a house should also consider the purpose, whether it is for personal use or rent. Decide how big to buy according to your own purpose. If the house you buy is too big, it is not conducive to renting.

The fourth is investment planning, that is, wealth management in a narrow sense, which can allocate your assets in the stock market, bond market and so on.

The fifth is cash planning. You should consider your own savings habits and the minimum cash balance you can accept, such as an emergency fund. Considering this will combine your security plan, your age and specific life goals. Because many people in China don't have a perfect protection plan, he said he didn't know what would happen, so he kept his money in the bank for two months. If there are more protection plans, the cash balance will be less. On the contrary, in China, the security plan is relatively low, but everyone demands a lot, especially the elderly. I don't know what happened. I don't believe anything, so I just trust the bank and put it in it. This may be highly mobile and relatively inefficient.

The sixth is tax planning, which may involve your property tax and your personal income tax. If you are an entrepreneur, you may also be involved in corporate income tax. How to avoid you or legally reduce your tax expenditure within this reasonable and legal scope is a very important content.

The seventh is safety planning, which may be of concern to many investors. Many people will understand it as insurance planning. In fact, the coverage of protection planning is wider than that of insurance planning, which means that you should have a protection for property, your life or the property life of your family. Generally speaking, you should buy property insurance, life insurance, life insurance, accident insurance and so on.

The eighth is heritage planning, which is quite popular abroad. China has not paid the inheritance tax. According to international practice, the cumulative tax rate may be as high as 40%. Therefore, many rich people in China or abroad plan their inheritance after saving a certain amount of wealth, that is, to minimize their inheritance within a certain range. (

Life planning after ten years

Overview:

At the end of the college entrance examination, I knew that my 12 years of struggle could come to an end. Next, I outlined the initial period of ten years' life in my mind, that is, the ten-year life plan. This plan is to analyze and predict the global market environment and development trend from 2009 to 20 19, including industry situation and competition situation. , and have a planned, detailed and feasible scheme.

First, the concept of planning:

1. There are many things to do in life, but to sum up, there are only two kinds, one is urgent and the other is important. Many people are unsuccessful because they spend most of their time and energy on immediate urgent things and have no time to do important things.

2. I think the correct way is to spend 20% time dealing with the urgent things at hand; And leave 80% of the time for the future, to do those important things that have no benefits for the time being but will be there in the future. Make a plan for yourself for 10 years, otherwise you may not be able to pay the bill by then.

But sometimes it is not as good as expected. More than half a year has passed, some things are on the right track, and some things have to be given up. There is an activity called "XX Month". After such a month, I feel a lot easier at once. Of course, there is no such thing in the world. As the saying goes, "One XXX falls, ten million XXX stands up", and things are wave after wave. The original step-by-step rule is about to change, so you need to rearrange your schedule. I also need to sum up the past, what I have gained, what I have lost, and whether it is worth doing.

This may be part of the plan. Every step you take should be for the next step, and you may just be thinking about the next step. Things are changing rapidly, and planning is just a prospect. I may end up on an unexpected path (such as my high school). Of course, the theory can be revised. Looking at the end of your own plan, all roads can lead there. Now the modification is probably which road to choose. Many times I find that time is not enough, and sometimes I waste time unconsciously. Looking at my math notes, I found that the teacher's teaching progress has caught up, and the notes have not moved for a long time. Life cannot be delayed, time will not increase, planning may take ten years, but it may only take ten years. If you didn't do anything then, you might be distracted today. I am having fun while others are working, so I have to make up lessons while others are enjoying life.

5, some things dare not think, brothers work hard for the fiery July. Brothers in the southwest are suffering from astronomy credits and experiencing the experience of life. I have to admit that I live a leisurely life. People can't live without pressure and goals. Maybe there is no reason to put all your eggs in one basket in the college entrance examination, but looking back on many people's experiences, we can achieve a strong accumulation in four years.

Second, the action plan:

In this life planning that will benefit me in ten years, I have contacted some enterprises in Chinese mainland in the first three years, where they usually only make short-term planning for two years or at most three years, to understand that enterprises have a cumulative development process and explore how to make them brilliant in one or two years.

Third, the efficiency of planning:

1. planning is an important part of GTD. This issue has been discussed in "The Benefits of GTD and How to Achieve these Goals in GTD System" and will not be repeated here. Today, I mainly talk about how to plan, which is a problem that many people are very concerned about. I will make a systematic discussion on this issue in combination with the relevant books I have read and practical experience.

First of all, I want to say that there is no such thing as "planning" in life. Life has dreams, but there is no plan, because life is difficult to plan. You can have a dream, I want to be a millionaire or the richest man in the world, or whatever, then you will have a general way to realize this dream, but can you plan them? Personally, I think it is impossible, or meaningless rather than impossible.

3, because the so-called success (success here regards realizing your dreams as success) requires too many factors, and success is influenced by too many external factors, so you can't predict the world situation and China environment in the next 50 years, so what's the point of planning your lifestyle for 50 years?

4. Why do you want to know your life dream? Because it will give you great motivation and passion, think about the difference in motivation between what you are doing boring and what you are doing to realize your dreams, and you will understand it easily.

5. At the same time, the dream of life is the necessary basis for the follow-up planning. Is your goal, and your ten-year plan is to realize this dream. Of course, there are many benefits. For example, you want to change your job now, but you don't know which industry and company to choose. With your life dream, this decision will become very simple!

6, so, I said, the first step in planning is to find the dream of life! Life dreams are not hard to find. For many people, it is not a problem at all. He has had a dream since the second day of junior high school, and it hasn't changed until now (there are such people, such as me, Khan ...), so there is no need to find it (but it needs to be perfected), but for some people, some methods are needed to help themselves.

Let's discuss this method first. In addition, the dream here should include career, life, emotion, social responsibility, family, leisure and entertainment.

First of all, I suggest starting with two of the three classic questions mentioned in How to Control Your Time and Life: "What is my life dream?" And "What would I do if I only had six months to live?" What would you do if you were killed by lightning six months later? The first reaction in my mind is to buy a good quality lightning rod and put it on my head every day ... # $%&; )

What I want to explain here is that I will always use the word "brainstorming" or "brainstorming" to answer such questions. This is a method, which you can simply understand as picking up a pen and writing down all the answers related to the questions, or what you can do to achieve the mentioned goals. Don't analyze, judge or evaluate, just write or use.

9. Use brainstorming to answer the first question "What is my life dream?" There is no right or wrong in this question. Fuck morality. If you just like money, you can write that my goal in life is tens of millions. If you just like something else, just write it down, it won't be published anyway! After writing, it is a process of checking to see if they are really important to you. Is it really as important as you think? Maybe you will suddenly find that some things are not important, and some things are important but ignored. Then answer the second question in the same way, "What would I do if I only had six months to live?" . The purpose of answering this question is not to really tell yourself what to do in six months, but to force you to ask yourself what is really important to you!

Answer the second question and compare its answer with the answer of the first question. I believe you will be greatly inspired and see more clearly what is more important to you.

Well, at this point, the first step has been basically completed, which means that the dream of life has been basically established, but for those friends who plan their dreams for the first time, I suggest planning them four times a month, that is, once a week, so as to avoid missing something important to you. Of course, annual review is necessary.

Fourth, the plan summary:

1, 10 annual plan is the most important in the whole planning process because it is the most practical and closely related to our real life. Unlike a dream, it can only provide an empty thing, and it requires us to keep our feet on the ground.

The first step of the ten-year plan is to break down the dreams of life. Now you also break down your life dream by brainstorming, and write down the actions, small goals, resources and so on that you think may be helpful to realize your life dream.

3. Combine with the ten-year plan. Why is it called "combination"? You will know later! Now that the things about life dreams have been decomposed, let's simply sort them out and organize them into a structure according to the order of realization and the priority of conditions. This is why I suggest using mind map, because it provides an excellent and convenient sorting method, which can greatly save time. When you organize and form the product structure after brainstorming, you can clearly see the general way to realize your life dream, and then you can easily find out how helpful it is to realize your life dream ten years later! Pick them out and you will form the goal of the ten-year plan.

4. Decomposition of the ten-year plan. I want to emphasize here that at this step, I personally suggest not to introduce the concept of time. Although it is a ten-year plan, don't introduce the concept of time! Especially for young people, the reason for the next "planning" will be clear. Continue to brainstorm, continue to organize decomposition, and decompose into a small goal or an action with a goal. It doesn't matter whether it reaches the level of Acitons here, because there is still a step ahead.

5. It is also the last step of planning: crazy dream!

I generally suggest such a step, especially for young people, because when they graduate from college at the age of 25 and enter the society, they can make a big leap in a short time and have many opportunities for change. I'm really sorry if I don't grasp it. The so-called crazy dream is to compress the ten-year plan into five years!

Simple, right? Hehe, the concept of time is introduced here. Five years is not a long time. When you write down a goal in five years, you will naturally know what level you need to achieve in each of the next five years. Write down the goal of 30 years old (suppose you are 30 years old in five years), then 29 years old, then 28, 27 and 26 years old. Oh, they are really easy to write down, and there is not enough time. Then you have to hurry!

This is also an acceptable reason for me to suggest that you can't reach the final level in the last ten-year plan, because you have to change them all! Let's start compressing now and see what the result is. Whether this is suitable for you depends on yourself. Some people like stressful ways, such as me. I think this is very interesting. Life is full of sunshine and passion at once! If you are really not used to this method, then I suggest you complete this step, because this compression gives you a good opportunity to recognize what is really important.

7. To reduce the ten-year goal to five years, you must eliminate many goals, otherwise there will be insufficient time. When you really complete this compression, what is important and what is not important can be put in front of you very clearly. If you really don't like this kind of planning with too much intensity and pressure, then you can go back to the second step and continue to take ten years as the final version of the planning!