Guarding the pension money: the first key line of defense for a happy life
After decades of struggle, I finally survived to retire. The happiest thing is to go wherever you want to go and eat whatever you want. The pension is rich, and the children and the elderly have no burden. Raising flowers and fish, planting trees and vegetables are standard for retirement life.
Comfortable retirement life
So today we are talking about something that is not that comfortable, even a bit awkward, so I would like to remind you. The first thing I want to talk about today is about insurance.
Insurance is a good thing, and it can help us overcome difficulties in difficult times, so everyone will more or less participate in some commercial insurance, such as car damage insurance, pension insurance, medical insurance, personal accident insurance, work-related injury insurance, etc. But not all insurance is as real as it seems. The two bad things about insurance I'm talking about today happened to me.
The first one, about my mom and insurance.
On October 8 last year, my mother woke up at 5 a.m. and lay on the bed playing with her phone. At this time, in an online game - I forgot whether I was Doudizhu or watching it repeatedly - a small advertisement suddenly popped up.
This small advertisement says that you can get 3 million yuan in health and medical insurance by spending 1 cent. My mother saw a penny and it was really appropriate, and the heart of a snob in money turned to arise. I will be insured after one operation.
It was 5 o'clock in the morning, and my mother was stunned by the cheap price.
Mom often plays some small games like Landlords and wins a lot of points. These points can be exchanged for gold coins or some small gifts, phone bills, cookies, small bags of rice and flour, etc. The rewards are generally very small, so she doesn't care about this one-cent health insurance.
A month later, the problem arose. Around November 10, my mother suddenly received a message of bank deductions, and the bank automatically paid 198 yuan. This payment information made my mother very surprised and panicked. He called me immediately, and she called me immediately and asked me to confirm the source of the consumption.
After some operation, I found out that this is an insurance payment terms, but my mother is very sure that she has never purchased any insurance. It is also very complicated for me to enter insurance, at least I need mobile phone verification and ID number! Must have an impression.
So I asked her to recall it carefully. Later I recalled that I also needed an ID card at that time, and facial recognition and mobile phone number verification operations were still very formal, so it was confirmed that it was my mother's own operation.
I read the insurance terms carefully and found that this insurance terms stipulate that only one cent is required to pay in the first month. The next month, I paid 198 yuan a month to protect 3 million health insurance, but all of these three million insurances are extremely difficult to obtain. There are various remote cancer major diseases, and there is not much compensation for death, and the terms are extremely strict.
Mom was very angry and said that she didn't know that this was a insurance that would be deducted every month, so she asked me to cancel it. I first came on the game platform, but the game platform said they were just posting advertisements and the latter was not responsible.
I went to find the source of this insurance again, but I couldn't find it because it was an insurance agency agent. The phone number of the insurance policy was the insurance agency. The agency said that he did not know the type and cancellation method of this insurance. They were just agents for insurance and various shirks. And they only provide policy transaction records, and even have no insurance details. I found the real insurance policy through the software of the China Insurance Regulatory Commission.
So I took a lot of effort to find the insurance company for this insurance. After confirming their identity, the insurance company admitted that it had such an insurance, but they believed that the termination of the insurance would require coordination with the agency. After I explained the terms of the insurance and the provisions of the termination clause to him, they were extremely reluctant to cancel the insurance and only refunded part of the premium.
A penny made more than 100 yuan, and this was the solution, but my mother felt uncomfortable throughout the whole process. She also knows that she can't take advantage of it.
The second insurance story
Colleague Wang Yuehui communicated with an insurance broker on WeChat many times when applying for auto insurance, and has been insured under the name of this insurance broker for many years.
What you give is not only an umbrella, but also a trap
Just after the successful auto insurance insurance last year, the insurance broker sent Wang Yuehui an insurance link. This insurance is very similar to the health insurance my mother bought. It is a 2 million accidental health insurance, and it is very attractive to participate in the insurance of 0 yuan. Wang Yuehui thought it was given by auto insurance, so he didn't care.
Wang Yuehui also successfully insured the zero-yuan 2 million health insurance insurance after a while, and did not even read the insurance terms, so he forgot about this matter.
7 months later, Wang Yuehui decorated his new house and wanted to pay some money from the card to the decoration company, but found that there was no money in the bank card. He transferred the right amount of money from another card to pay for the decoration fee. During the payment process, he found that the balance in the card was insufficient. After checking the details, he found that there was a payment fee of 235 yuan.
He was puzzled why he had a payment fee of 235 yuan, so he showed us this transaction record. When I saw this transaction record, I immediately thought that he might have a monthly insurance. After checking the payment situation in the first 7 months, I found that the 235 yuan has been paying for it, and it has it every month.
After some reminders, Wang Yuehui tried hard to remember the insurance order situation. It was also very difficult to cancel the monthly insurance, but the premiums paid before cannot be refunded. When he contacted his previous insurance broker, the insurance broker was no longer a friend.
This is the most likely pit I have ever come into contact with. Super discounts of 0 yuan or one cent have given us a lot of temptations, especially when the elderly are greedy for cheapness, they can easily fall into this trap. When you pay and confirm that the insurance is successful, you have to pay every month. Of course, some are more hidden just like our phone bills.
The third story about me, the phone number
Due to work reasons, I have three mobile phone numbers of different communication companies. We will receive some discounts every month. Some are new businesses, some are free phone bills, traffic, etc. This problem has happened here.
First, let you try out some new businesses for free, such as three months or six months. After this time expires, the communications company does not voluntarily cancel these businesses, which will cause a sharp increase in phone bills the next month, until you voluntarily cancel. After strong appeals and condemnation from customers, these new businesses that are given away are basically automatically cancelled when they expire.
But some businesses that are automatically cancelled are not so harmonious.
After replacing the 5G phone, I always wanted to change a 5G mobile phone package, but I found that the 5G mobile phone package is generally much more expensive than 4G, so I have not changed it. In order to increase the 5G business volume, the communications company has been calling to confirm whether it wants to adjust the 5G business package, but I refuse every time. The main reasons for rejection are: The first point is that the 4G package is unlimited. Although the current limit is limited after 20G, the current limit is current limit, and normal networks can still be used. If you change to a 5G package and 30G traffic, you will be charged after using it. The cost of the
5G package is generally between 68 yuan and 198 yuan or even more, while my 4G package is only 38 yuan per month . When I asked if I could maintain this package, the other party did not have a clear reply, so I insisted not to change it. After subsequent negotiations with the communications company, they also gave unlimited traffic services with speed limit after using 30G. The package fee is 58 yuan per month , which is a price I can accept. When I was about to sign the contract, I found that the 58 yuan was 30% off package.
, what does the 30% discount package mean? The 30% discount package has a discounted time limit, and the limitation period is 12 months. In other words, after 12 months, my package may no longer enjoy the 30% discount policy. The cost of directly returning to normal is 4,195 yuan per month . I can't accept this, because the routine is too deep.The most important thing about
is that you want to reverse the previous package, sorry, it no longer exists.
The fourth about custom furniture
I like to use custom furniture when decorating, so that although I can’t take it away when moving. But the style after decoration is uniform. If you don’t like it one day, change it as a whole. Especially the whole house customization priced by a big brand is 39,800 yuan, isn’t it a surprise?
If you believe it, there is nothing you can do, because an industry insider said that I was acting as a agent for custom furniture from multiple big brands, and I almost shocked my chin. He said that big brands also have many outsourcing projects, and the cheaper it is, the worse it is to ensure quality.
I remember when the last house was renovated in 2019, the custom-made cabinets and shoe cabinets were left because of the wrong size, and some extra auxiliary materials were left. When cleaning the floor heating this year, part of the shoe cabinet needs to be removed because there is no reserved location for the shoe cabinet installation. An unexpected scene happened. The promised plate became a low-quality substitute after being cut off. At that time, I had the urge to drill holes in all the boards to verify.
So life finance is not just about buying a few stocks, paying attention to a few funds, and living regularly. Making money means increasing revenue and reducing expenditure, and increasing revenue and reducing expenditure are equally important. If you spend the corresponding money, you will get the corresponding product. Therefore, you must be careful to avoid several misunderstandings in financial management:
1, 0 yuan or one cent to buy. This kind of promotional activity that is extremely incompatible with market laws must be widened. If you can't figure it out, don't participate. It is the ancestral teaching to greed for small gains and suffer great losses.
2. What you are rushing to is not a business. The more you contact your business, the more you should be more careful, and you will not be clear about actively blocking it. There must be evil when something abnormal happens. If a person is abnormal, he must have a knife. This is the ancestral teaching.
3. It is easy to spend money and it is difficult to make money. The easier it is, the more you relax your vigilance. The coupon event is the best example. The superimposed discounts may not necessarily be more discounted, and will only increase your absolute consumption. There is no free lunch in the world. It is the ancestral teaching.
4. Even if everything is true, personal privacy must be protected as much as possible in this era without privacy. The essence that I bought from Nanjing to Beijing and did not sell is the ancestral teaching.
5. The platform and brand can become bigger and stronger, it must not be based on cheating. Even if it starts with cheating, it will eventually be clean. So believe in the power of big platforms and brands. is very important to polish your eyes.
