"Xiaoying, come to my house at 7:30 on Wednesday night, waiting for you!" Best friend Nannan sent another party invitation to Xiaoying.
In Xiaoying's eyes, Nan Nan is a veritable "white-bone spirit" in the workplace. After graduating from graduate school, I went to a public institution. Later, unwilling to live a dull life, I applied for a job as a follower for a foreign trade company, dealing with large European and American customers. Working hard in the company, her performance has been rising, and she has topped the sales list all year round. Even when she goes home at night, Nan Nan is fully equipped because she often has to communicate with overseas customers online at night. The hard work also paid off handsomely. At the company's annual meeting in 2018, the company gave her a Porsche as a reward. On the day she picked up the car, she took Xiaoying for a spin on the elevated highway around the city.
Knocked on the door of Nan Nan's house. Xiaoying saw that Nan Nan was only wearing a blue housecoat, her hair was tied up in a ponytail casually, she didn't wear glasses, and she looked bare-faced. This was not her style at all! "Sisters, where are you going for this recuperation? Hulunbuir or Chaka Salt Lake ? When are you leaving?"
Nan Nan smiled lightly, brought fruit plate and tea set, and dismissed her Her husband and daughter took Xiaoying to the study and sat down together, "If you don't go out, our company will collapse and I'm unemployed now!"
"How could it be?" Nannan's calm tone caught Xiaoying off guard, See the little tears in Nannan's eyes. "The global economy was in a downturn, and the company was doing well before last year. Later, the epidemic in Shanghai was under control for more than two months. The raw material supply of in our cooperative factory was cut off. Foreign customers also lost their orders, and there were several rounds of layoffs. In the end, the boss saw that the losses were too serious, so he decided to Close the company..." Nannan talked about the difficulties of the industry and the company's struggles.
"It's so sudden! We all went to work as usual last week and are still making plans for the second half of the year. On Friday, we notified the middle management of a meeting. The boss announced the closure of the company and the severance policy. We were going to pack up and leave within one day. No one was prepared."
"I initially thought it was just layoffs. I am a veteran of the company, so it shouldn't be a layoff, so I didn't listen carefully to the layoffs. Until the boss said that the company's losses were too serious and he was sorry. Everyone had to go to the finance department to sign to receive the money."
Although I have always seen news about various layoffs recently, Xiaoying only truly felt the "hardship of the world" when her best friend became one of them.
"The atmosphere in the company was particularly depressing on Friday. My colleagues who chatted and laughed every day felt uncomfortable. Xiao Zhang from our department is getting married next month, and a good life has just begun. The monthly loan for the new house is RMB 12,000. He sat there and sighed for a long time. Mr. Li, who works in the market, is almost 45 years old. His son will take the college entrance examination this year, which is the time to spend money. And the accountant, like me, has been in the company for nine years and has just taken maternity leave for his second child. After she came back, the company gave her a severance package of 50,000 yuan. Without her stable monthly income, their mortgage and car loans would be cut off, and their children's education and family life would be greatly affected. Influence. "
Middle-aged unemployed, Nannan felt sad and embarrassed. She didn't dare to tell her parents, so she could only talk to Xiaoying, "On Monday morning, I drove to work habitually, and when I got to the unit downstairs, I pressed the elevator. At that moment, I realized that the company was gone and I no longer had a job." Xiaoying's mood was also low, and she didn't know how to comfort her.
"Actually, I am very grateful. The company gave me a one-time severance package of 560,000 yuan. Although it is not as good as what I earned in the past six months, thinking about other people, the boss also takes good care of me." Nannan is very satisfied. I have also made a plan to take a good rest at home for a while, and plan to actively search for connections in the near future to see if there are any suitable positions in other companies. "I am 36 years old and I will be discriminated against in the job market.The current economic downturn makes it difficult for everyone. There should be a long gap between finding a job and taking up the job again. I plan to go it alone, or choose foreign trade products, negotiate the order, and then go back to find the source of goods. I also Invest some of your savings. "
Xiaoying told Nannan that she had paid social security for 12 years. In order to have a clear guarantee for her future retirement life, she must not break the gap. At this stage, she can go to the street to register and choose the "flexible employment" grade to continue. The government provides a certain level of support and subsidies, and the annual social security payment is about 20,000 yuan.
“The fundamental reason why the company cannot survive is that there is no cash on the books. In the past, the company had good performance and high profits, but no one noticed it. After experiencing this sudden change, I truly understood that cash flow and are particularly important, both for companies and individuals! Fortunately, I don't have any debts. The house was financed with a loan from my husband's provident fund, which can just cover it. He is a civil servant and is relatively stable, so he can repay the loan automatically every month. "
Enterprises will go bankrupt if they lose healthy "cash flow", and the same is true for individuals. For professionals who only rely on monthly wages, when faced with a situation like Nannan's unemployment, the cash flow for the next month will be directly cut off. This If you don’t have savings at that time, you will be worried about your basic life. If you still have high debts at this time, the pressure will be very high and it will be difficult to maintain it.
“Xiaoying, cash flow is so important. This 560,000 yuan in severance pay is equivalent to the money I have at the bottom of my bank account, and I can't touch it. Education, medical care, and elderly care are the three major things that Chinese people cannot escape! If it is too flexible in the bank, it will easily be spent. If you buy fund stocks, they will fluctuate, and if you are not professional enough and do not have the time to take care of it, it will be easy to lose money. Convert cash into cash flow, take a long-term approach, and use commercial insurance. Is it suitable? ”
There is a type of insurance that is very suitable for you, buy increased whole life insurance! The advantage of this kind of insurance product is that you can determine the amount you receive every year or every month according to your own needs, which is equivalent to a cash flow. As long as you set the responsibility A good amount, you never have to worry about one day the cash flow will stop. As long as you live, you will definitely have money tomorrow, you will definitely have money next week, you will definitely have money next month, and you will definitely have money next year. This is the stock asset of . The difference between and cash flow. And if the person dies, the death insurance stated in the contract can still be passed on to our family members.
Taking Nan Nan’s situation as an example, 560,000 can be bought separately and 60,000 can be used for payment. Social security for the first three years. A lump sum of 500,000 is put into the incremental life insurance. After 4 years, 20,000 can be withdrawn to pay social security. After withdrawal, there will always be 500,000 in the account. If you need money urgently, you can withdraw it until 56. After retirement at the age of 18, the added whole life can be used as a supplementary pension, and you will receive 30,000 yuan a year, which is equivalent to 2,500 yuan per month. At that time, the retirement salary received from social security will be about 3,900 yuan, and the insurance will supplement it with a fixed monthly supplement of 2,500 yuan. This way, you will receive 6,400 yuan per month until you are 85 years old.
-END-
.
