Middle aged and old bitcoin
if you don't have a lot of spare money on hand, it's a good choice to invest in virtual currency at this time. With a threshold of several hundred yuan, new users of the realm can also get a $50 coupon, which will not affect our lives, but also bring considerable benefits<
the investment mode that can also trade is not only suitable for young people, but also for the elderly, because it does not require you to have much deep investment experience, as long as you know how to judge the direction of price rise and fall, and the trading time is relatively free, 24 hours a day can be operated at any time.
with the upgrading of payment methods, we can eat, take a taxi and go to the supermarket without cash. The amount of cash needed in circulation is getting smaller and smaller. Can we replace paper money with a virtual digital currency? This is not a whim. The central bank recently said that the research on digital currency has achieved phased results, striving for the early issuance of digital currency. If the digital currency is successfully issued, it will not only make people's living and payment more convenient, but also increase the transparency of economic transaction activities for the country. So, how far is digital currency from us< Not long ago, the people's Bank of China revealed that a special research team had been set up in 2014 to conct in-depth research on digital currency issuance and business operation framework, key technologies of digital currency, issuance and circulation environment, etc
what is digital currency? Many people may be unfamiliar with this. There is no official definition of digital currency. According to the instry, the digital currency referred to by the central bank should be the electronization of RMB. At present, people's daily third-party payment behaviors such as bank transfer and yu'ebao are all related to digital currency. Digital currency in a broad sense includes unofficial virtual currency, such as bitcoin, which was popular before
here we also need to mention a new term called "blockchain technology", which is a new technology of the Internet. Digital currency is supported by blockchain technology, which is characterized by "decentralization", that is, taking away the centralized control of an institution over the issuance of currency. Yu Fenghui, a financial critic, said that the trust problem in the virtual economic system can be solved through blockchain technology. Taking bitcoin as an example, it is not issued by a specific monetary institution, but is generated by the transaction volume of network nodes, and is single, traceable and traceable after it is put into circulation. All funds are very transparent where they come from and where they go
a more familiar form of digital currency should be electronic RMB, which has infiltrated into various consumption scenarios of electronic payment. There is no need to repeat the impact and subversion of electronic payment on our lives. Credit card payment and code scanning payment have greatly reced the space for the use of paper money. It can be seen that the progress of technology has graally forced the withdrawal of paper money
the new favorite of the financial system
the attitudes of all countries towards digital currency are changing. It is reported that DNB, Norway's largest bank, recently called on the government to stop using cash completely. In fact, several banks in Norway have closed some branches' cash business. Only three branches of DNB have counter cash business. Other Norwegian banks are also phasing out cash transactions. According to statistics, only 6% of Norwegians still use cash every day, most of them are the elderly
not only Norway, but also the world is moving towards the era of digital currency. According to Xiao Lei, chief researcher of gold wallet, many institutions, including Nasdaq Stock Exchange, Goldman Sachs and modern, began to invest in the research because of the continuous impact of digital currency represented by bitcoin on the world financial system. It is found that the blockchain technology used in digital currency can bring convenience and rece costs to many institutions, and there are cases that can be applied to the real economy. This gives more countries and institutions the incentive to invest in blockchain technology and digital currency
in China, some institutions have shown great interest in it and invested in research. It is understood that Alibaba Finance announced that it may provide a cloud service platform based on blockchain technology
digital currency is sought after and favored because there is no real "world currency" in the current global market. It is understood that although the US dollar is currently the most widely used currency in the world, not every country readily accepts the US dollar as the world currency. Xiao Lei said that the world currency should be like gold, with the characteristics of "de nationalization". Digital currency can even be regarded as gold in the gold standard era, and is expected to become the "general equivalent" in the Internet era in the future
the application space is broad
it is not difficult to see that digital currency is highly expected. Instry insiders said that once digital currency comes out, it will be applied to many fields
from a national perspective, the "trace" and "traceability" of digital currency can improve the convenience and transparency of economic transactions. Yu Fenghui said that money laundering, tax evasion and other criminal activities are expected to decrease. At the same time, with the application of blockchain technology, a unified account book will be established nationwide and even worldwide, so that every sum of money can be traced, every transaction can be traced, tax evasion and money laundering will be within the scope of supervision, and it is even possible to realize automatic tax dection on the card machine
for the central bank, digital currency can rece the high cost of traditional paper money issuance and circulation, and solve the problem of currency over issuance and inflation caused by the central bank's centralized control of currency issuance right. Bai Chengyu, Secretary General of China microfinance Union, said that digital currency can generate a certain amount of transaction volume according to the transaction demand of real economy generated by the public in the transaction process“ This form of digital currency may be automatically generated by the blockchain system and issued according to the transaction volume, which can avoid the inflation caused by over issuance. "
in addition, digital currency helps to build a new financial infrastructure. For example, digital currency will make the credit accumulation and archives of all people traceable and accessible, which is of great significance to promote the construction of credit system. Yu Fenghui said that after the promotion of digital currency, from the perspective of social credit accumulation, enterprises and consumers will tend to use digital currency and swipe cards for consumption, because electronic transactions have data traces, which can accumulate the credit of enterprises and indivials, which will become the basis for obtaining financial services such as banks< In addition to helping the state to regulate and improve the financial system, digital currency is closely related to people's life. It is not only the convenient payment that people have felt, but also reflected in many aspects
first of all, it is very difficult to have counterfeit money in the market. According to Bai Chengyu, one of the characteristics of blockchain is transparency. The issuance of digital currency needs to be certified, so it is difficult to forge
as well as counterfeit money, there should be the problem of plundering the wealth of people and enterprises in local areas, which will be fundamentally solved by digital currency. Bai Chengyu said that compared with the previous state's decentralization of poverty alleviation funds to local governments, some governments have the phenomenon of "evasion", which leads to the fact that some poverty alleviation objects can not get the funds“ At the beginning, it was cash distribution, and later it was bank transfer. However, there was a problem that there were not many bank outlets in some remote areas, and people had to walk a long way to get money. If there is a digital currency, there is no need to withdraw cash for consumption and payment, and it will be easier to monitor capital flow. "
moreover, the use of digital currency will rece financial transaction costs. Bai Chengyu said that before, the inter-bank settlement of banks had to charge service charges, because the settlement center required each bank to keep a part of the capital to balance its position. This part of the capital occupied the bank's funds, and the bank would spread the cost to the people, that is, to charge for the inter-bank settlement business. The "decentralized" payment and clearing system under the blockchain technology will facilitate the settlement between banks and further rece the transaction cost of people's payment
the next step of "de centralization" is "de intermediation", which will simplify many current financial business proceres, such as foreign exchange. Bai Chengyu said that previously, foreign exchange clearing had to go through banks and other clearing institutions, which increased the exchange cost and time interval. Now, the international community has tried to use blockchain technology to develop a new international currency exchange system, which can realize the "de centralized" exchange of currency and "de intermediary" in the future
resistance to implementation
although many countries and institutions are actively developing digital currency and blockchain technology, and people are full of expectations for it, even if digital currency is really issued, it will still face some resistance to implementation
technically, because blockchain is an Internet technology, "hacker" risk is taken into account. The bigger problem, though, is control. Many people in the instry said that bitcoin is essentially different from the digital currency to be launched by the central bank. Bitcoin is not issued by a specific monetary institution, and the relevant financial supervision has not been followed up, so there is a large capital risk. However, the digital currency to be launched by the central bank this time belongs to the official currency and is protected by the central bank. Because bitcoin is not uniformly issued by the central bank, it has not been recognized by many countries. The central bank values whether digital currency is controlled or not
in addition, as mentioned above, even as a leading country in digital currency promotion, Norway still has 6% of the elderly people who are difficult to get rid of paper money, which is undoubtedly a problem that can not be ignored by all countries. Xiao Lei said that digital currency will first be targeted at young people and promoted in some areas. It will not turn all the money in the cash flow into digital currency. This needs to consider the coordination between digital currency and paper money and people's willingness to use them
there is bound to be an adaptation process from paper money to digital currency, and the road of its reform will be very long, but it can be seen that digital currency will inevitably form a development trend. Bai Chengyu said that technological innovation will overcome the problems in reality, just like going to a bank to do business now. If it does not involve cash, the lobby manager will recommend customers to ATM and other self-service equipment. This is a good proof that technological innovation has replaced labor in the past. Now the application of mobile phone is also very simple. It can be predicted that the technology will continue to update in the future. The use of electronic channels, digital currency and other procts in the new era will become a trend
Beijing Business Daily reporter Liu Zexian Cheng WeiMiao
of course, the central bank's digital currency is different from bitcoin, wikilink, bitcoin cash, Ethereum and other digital currencies on the market. The central bank's digital currency has the property of currency.
in fact, if you want to prevent being cheated, you just need to remember that there is no pie in the sky. Once there is, it is definitely a pit now the conditions are getting better and better. Every family has a part of the deposit. Some people will take the money to make investment or finance, and then want to get more benefits. But if they are not careful, they will easily fall into the trap. Especially for some elderly people, the money they have saved for a lifetime is originally for their own pension, but because they want to earn more money, they are cheated into nothing. So in our life, we should firmly remember this sentence, that is, we should be greedy for the cheap and suffer great losses. We should never believe the good things we give you in vain{ RRRRR} this can make a lot of money
when Yang saw that he had made so much money, he wanted to withdraw it. The account showed that it would arrive within 24 hours. As a result, after waiting for 24 hours, the money did not arrive. After Yang found that the money didn't arrive, he went to ask sister Ding. Sister Ding said that you should go to the director. After finding the director, the director told him to go to customer service. After asking about the customer service, the customer service replied that because Yang's information was inconsistent, it was necessary to pay 10% of the fund in the account as the risk deposit. If there were more than 2 million yuan in the account, the deposit would be more than 220000 yuan. Because he was anxious to withdraw cash, Yang believed what the other party said and remitted more than 220000 yuan to this account. After remitting the money, the customer service told him that he didn't note the risk deposit when he remitted the money, so he had to pay it again. Until this time, Yang was completely awake, found himself cheated, and later chose to call the police
after a brief look, it's actually the exposed mining machinery projects. At the beginning, they will give you a little money. After registering for real name certification, they will automatically send you a mining machine with a monthly output of 11 pieces. The purpose is to let you step by step into the pit. But there are always all kinds of excuses for these mining machinery projects. So that's what your ID is worth
it is reported that the price of NNB today is 21.84 yuan, and the brainwashing slogan of the members is that the price rises unilaterally every day. At the beginning, CBT and other projects were also shouting about rising every day, but later the system was changed again and again, and now they are still struggling, and they don't pay much attention to it<
the cloud mining machine scam of xiangcoin NNB, who believe who sand carving
member brainwashing said: since the opening of 1.47 yuan on July 22, 2019, Xiangxiang's price has steadily increased by 0.9-1.6 Mao every day. The market has been doubling at rocket speed, with a total circulation of 80 million. Now, its members have a minimum of 500000, with 160 pieces per capita. Through market doubling, the per capita price has not only declined, but also become higher and higher, including mining, re investment, currency raising, consumption circulation, and 30% handling charge, Everyone has equal opportunities, up to three micro mines and three small mines
the system of mining machine is very simple, which is the same as most previous cloud mining machines. According to the current 20 yuan one, it is to invest 200-40000 yuan to buy this so-called mining machine. Of course, they are all illusory things, just the data inside the app. By investing the corresponding funds, more NNB will be generated<
the cloud mining machine scam of xiangcoin NNB, who believe who sand carving
but one thing you need to understand is that making money is based on the stability or rise of the currency price. Once the currency price plummets by 50% or 100%, this situation is very common in the highly controlled currency
in addition, the project also has so-called union awards and sharing awards. As a MLM, of course, the most important thing is to pull the head. These two rewards play a role in pulling the head. The sharing awards range from 10 to 175 people, from mini mining machine to super mining machine, which is equivalent to "200-40000" RMB. But when you think about it carefully, it's all the hard money of investors. Are you comfortable with the money
trade union reward is what we often call team reward or community reward, which is to calculate your final profit according to the amount of promotion, that is, bonus, Global Commission reward and corresponding mining machinery. The wool comes from the sheep, and the last victims are you leeks<
the cloud mining machine scam of xiangcoin NNB, who believe who sand carving<
GEC is the originator of this kind of mining machinery. Since then, there have been many imitations, including CBT, obt, gccx and other projects. At present, cloud mining machinery projects are almost dead, and there is basically no fun
I found the following information on the Internet, claiming that NNB was issued by a man named Chen Yongxiang, who still studied four books and five classics when he was a child. What age are these people? I'm also determined to help tens of millions of Chinese families reach the middle class. To be frank, these pyramid schemes can only make these users more and more forced to eat their meat and suck their marrow. After the cash is spent, they will pit their houses and cars, and then let you borrow money to buy them. In the end, it will be a disastrous blow.
each gold coin can be exchanged for 0.0014 yuan
in gold coins × 0.0014 yuan
Take Metro Line 2 and get off at people's Square subway station and go south
{rrrrrrr}
line 2
Guanglan Road xujingdong
first and last bus: 05:30-22:45
starting ticket price: 3 yuan
via the station
East extension of Guanglan Road Line 2
2 Jinke road
3 Zhangjiang Gaoke
Longyang Road line 16 line 7
5th century park
6 Shanghai Science and technology park
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0 Hongqiao terminal 2 line 10
Hongqiao Railway Station Line 10
22 xujingdong
Yes, the REBO gene is MLM
three months ago, Taoists wrote an article on Ruibo consensus fund disk, which is "Ruibo consensus fund disk, it's definitely not leeks but speculators who are cheated in the end". Now this fund disk has been in the state of "upgrading". Although, Ruibo consensus fund disk soft run, but the market has appeared under the banner of Ruibo CEC project
it is said that reborn gene and reborn coin belong to the same wallet address and key. According to this logic, can so many erc20 issued on the Ethereum public chain also belong to the same technology development as Ethereum public chain? In addition to admiring this "strong" logic, they also admire their level of holding the banner. The shareholders include the top investment institutions, consortia, consortia families or well-known banks. Why not write down Alibaba, Microsoft, Facebook, Amazon, etc.

first of all, before buying any financial procts, buy 1000 to test the water
take a month to see the income. Do not buy if the annual interest rate exceeds 12%, and do not buy if the regular interest rate exceeds one year
the reasons are as follows:
the money you have is alive when you are free, and dead when you are busy
for example, if you suddenly plan to travel with your girlfriend ring the Spring Festival holiday, how about a budget of 5000
it's my suggestion to put about 30% of yu'e Bao and 2.6% of current interest. Because it's enough for daily and emergency consumption
then the rest can be invested in stable financial procts for regular financial management
as for the choice of fixed-term financing, I suggest:
if investors do not have too much liquidity requirements, they can choose a wider range. They can consider short-term financing (Securities + banks, P2P / P2b), large deposit certificate, bank structured deposits, Treasury reverse repurchase and other financing
for short-term financial procts, most of the income is slightly higher than that of monetary funds, but the liquidity is slightly lower
1, short-term financing (Securities + banks, P2P / P2b)
in a fixed period, such as 30-365 days, it is impossible to sell actively, that is, to redeem at maturity
the average annual return rate of securities companies is 4.66%. Based on the principal of 200000 yuan, the expected annual return is about 9320 yuan
P2P / P2b, fixed income procts, with an annualized yield of 6% - 14%
P2b many people say they won't choose
it's low-risk. If you don't look at the ground, you're blindfolded! If you leave your destiny to God, you can only let it be
it's high-risk. Office workers like me, with the attitude of "learning while investing", have been safe for several years. It has become one of the staple foods of my dinner plate
so learn how to choose the right one. The more you know, the more controllable the risk is
since I started investing in P2b in 2014, I haven't spent too much energy. I earn tens of thousands more every year, and I still have an advantage in income
I also prefer stable fixed income procts, so I choose the head platform of P2b. In a word, the risk is relatively small and it is easy, but the income is only 10% at most. If I don't have a high pursuit of income, I can have a try
2. Large deposit certificate and bank structured deposit
based on the interest rates announced by some banks, the recent interest rates of 1-year, 2-year, 3-year and 5-year certificates of deposit are 2.28%, 3.18%, 4.15% and 4.19% respectively, which are higher than ordinary time deposits
in addition, most of the structured deposits with better liquidity are within one year, and the yield is about 4%. However, we need to bear the risk of capital loss and interest loss, Income Fluctuation and so on
3
indivials borrow their own funds through the Treasury bond repo market to obtain fixed interest income. At the end of the month, at the end of the quarter and at the end of the year, there will be returns as high as 10%, which need to be carefully analyzed
the above are relatively stable financial management methods at present. It can also be said that they are financial procts I have invested in. They are really good
having said so much about financial management, the most important thing is to find a suitable proct. In fact, there is no right or wrong proct. To measure your risk tolerance and find the right one is right
items not recommended: insurance, stocks, stock funds and various currencies
to be honest, can you make money by buying these things
Yes, but it won't be you. If you believe you can make money by buying stocks, you might as well buy lottery tickets. In 14 years, a friend suggested that I buy bitcoin. At that time, I got to know about it. I felt that it was a big gimmick and more risky. I firmly refused to buy bitcoin, and I still don't regret it. Because he bought more than 5000 yuan, which changed to more than 2000 yuan in less than a month, and then sold them all in order to stop loss. No one can see the ghost of today's rise four years later.
