Month: June 2025

On the word "maturity"

Maturity is not about suppressing emotions, but knowing how to express them properly at the right time, facing difficulties rationally and solving problems proactively. A man's childish behavior is often a relaxation shown to the person he trusts, which does not mean immaturity. True maturity is the ability to coexist peacefully with oneself and others. When only one side in a relationship requires "maturity, stability and making others happy", it will only cause imbalance and ignore the fact that the other party is also a person who needs emotional value. Maturity should be a process of mutual understanding and growth between both parties.

This is what insurance is like!

Insurance is not a tool to get rich, but a safety net to prevent risks from ruining you all at once. If you are the breadwinner of your family or cannot afford the pressure of an unexpected situation, you should configure appropriate protection. On the contrary, if your finances are sound, insurance plays a supporting role and funds can be used flexibly.

Does “Lifetime Real Payment” really provide lifelong protection? You may have misunderstood it!

Many people think that buying a "lifetime actual payment medical insurance" will provide lifetime coverage, but in fact, most products have an upper age limit for claims, which is usually 75 or 80 years old. Lifetime means that the policy is valid, but it does not mean that the payment will be for life. It is recommended to read the terms and conditions carefully to confirm the coverage period and evaluate whether other policies are needed to supplement the coverage, so as to truly protect the medical needs of the elderly.

Is medical insurance too expensive? In fact, these two "logics" are different!

There are two logics for medical insurance: one is the "return type" with higher premiums but refundable upon maturity, which is suitable for people who value the sense of return; the other is the "pure protection type" that focuses on protection and has lower premiums, which is suitable for people who want to use a small amount of money to support high protection. There is no better one, the key lies in what you need most now.

Save 10,000 yuan a month to create a stable cash flow

As long as you save 10,000 yuan a month for 12 consecutive years, you will have the opportunity to build an asset of 1.5 million yuan. At the same time, you will start to receive rewards from the first year, which will increase year by year, up to about 55,000 yuan per year. As long as the principal is not moved, this cash flow can even last a lifetime. In the long run, not only will the principal remain, but the total amount of rewards may far exceed the investment, becoming one of the sources of stable income after retirement. This is a stable long-term savings strategy that can be customized according to personal conditions.
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