E-Concussion

Dear all:
After gathering I think E-concussion get ahead , we can discuss something serious and we can share our own experience of manage money that’s great ,we can learn from each other. There are some good idea from my group let’s see.

Louise :
1. Set your own goals.
2. You have to know why you do this, because that can let you remind yourself and go for you goal sustained.
3. Use free time to make more money
4. Open a HSBC account that is suitable for money management.

Joyce:
Almost spend all the salary on food, recently Joyce spent a lot money on moving and Joyce said she will do house keeping after listen to our advise.

Peggy:
The most expense of Peggy is entertainment, now she does house keeping every day and next time she wants to try record her expense by sort.

Amy:
Set percent of your salary ex. 20% in credit, 20% in insurance, 30% in invest and 30% in daily expense.
Amy’s goal
1. save unnecessary payment
2. learn how to invest
3. earn more money

Paul:
Paul divide his salary into three accounts, he also set a limit of his expense, now he have fund and insurance.

Carey:
Income-save=expense

Dan: He has to pay tax to USA and Taiwan government. The most important is he will get benifit from USA government after his retire. I'm not sure for how many percent. But he's surely to take reward from government in the future.

James: He invests stocks in a small amount. But he will do some homeworks to take care of these stocks. He always search some companies which can invest for a long time. He thought environmental protection stocks are good to have, so he invests these companies which industry are about environmental protection.

Jeff: He invests in stocks,too. But he choose to invest in big company, like 台塑、台電 etc...Those stocks may not have big range, but they are quite stable. If you save money to invest it and also keep for a long time, you will indeed get a big reward.

Michael: His mother bought an investment chit for him. So he can save money and also got safeguard. If he wants to go abroad for further study in the future, then he can use this amount to make his dream come true.

Shavia: She said it's good to have HSBC account, it gots many benifit. You can appoint five accounts when you transfer, it won't charge any fee. Lots of benifit. You can save more money through this account.

Leo: He wants to invest in real estate, but he think it's too high now, not the right time to invest.(complete it later)

Sharon: She invests in fund. When she gets her salary, she will take out regular amount in fund first, then think about how to make use of the rest money. She also suggest us if we want to invest fund, just open an internet banking and an account of fund, so that you can have more discount. Mostly you can have 30% discount.

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Next round's host
12/12 Peggy . Joyce
12/19 Carey . Sharon
12/26 James . Shavia
1/2 Amy . Leo