How does Alipay get the highest income?

1.@ Duoduo 23-year-old new media person

I want to talk about Alipay's "loan". The annualized interest rates of credit card emergency loans are almost all above 17%. "Debit" bears interest on a daily basis, with a maximum of five ten thousandths, just like a credit card. But! Most people can get three ten thousandths, some even get 1.5, and the annualized interest rate is only 5.5%. Rounding is no money!

Borrow a 20,000 yuan to buy a novice logo for six months (generally around 12%), and the arbitrage is more than 6%. The money for a YSL lipstick comes out, and the spread is spread.

2.@ Toast 28-year-old fashion buyer

Tell me a story related to my work. You can use it when traveling abroad and buy it at buy buy.

After shopping, fill in Alipay's mobile phone number, passport number and Chinese Pinyin on the tax refund form (printed with "Alipay" option logo); Before leaving the country, give the tax refund form to the customs for stamping and deliver it to the designated mailbox at the airport. You can wait for the tax refund to Alipay account, which should be about 10 working days, which is really much faster than credit cards.

3.@ Ningning 29-year-old innkeeper

Integral, integral, integral of course! Pick up your hand in Taobao, buy wealth management in Alipay, or pay the bill, and you will get membership points. At the beginning, I also used this point to exchange phone bills and get an award or something. It was only recently discovered that points can be exchanged for wealth management vouchers, which opened the door to a new world.

Take chestnuts for example. Last month, I exchanged 2000 points for a coupon with a 2% increase in income, and then used this coupon to bless 10000 yuan for short-term financial management for 30 days. This is equivalent to the points that helped me earn 16 yuan (10000*2%*30/365 is about 16 yuan). Because I also want to buy wealth management products, so this is equal to giving them away for nothing, hahaha.

4.@ Flying Pig Legend Cheng, 25 years old

Yu 'ebao verified a sentence: Time is money.

The cash transferred from Yu 'ebao is the time confirmed share of T+ 1, which means that it will be transferred on Monday, the share will be confirmed on Tuesday, and the income will start on Wednesday (calculated by working days). However, if it is transferred after 3 pm on Friday, the share will be confirmed next Tuesday, and the income will not start until next Wednesday, which wastes two days. If the principal is large, there will be more natural losses.

5.@ Tao Tao Taozi 27-year-old housewife

Why didn't anyone say Alipay Mobile Medical? This is a lifetime push. You can directly register the top three hospitals online, and it is also convenient to save electronic reports.

6.@ Crescent 33-year-old two treasure moms

Nature is a pie chart that takes me flying.

The balance, the term and the total assets of the fund project are added together to make a pie chart, which visually shows how much money you put in each category. It can be used to understand your initial asset allocation.

After studying the course of Ge Rui Fortune Classroom, I found that this pie chart is somewhat similar to Philip's concept of asset allocation. Money funds such as cash, term, balance treasure and monthly interest are all defensive assets; The equity fund I choose is a growth asset with high risk and high return expectation. I am still studying the allocation of this asset class, and the plan is to gradually adjust it so that the fund will occupy half a circle.

7.@ Chris is a 28-year-old overseas financial worker.

Recently, some shops in Australia can pay in RMB in Alipay, and the exchange rate is very good, which is a little more favorable than swiping a bank card! Many international students may have limited Australian dollars and more RMB. This way can help you pay RMB, and the most important thing is high cost performance!

8.@ Bai Tuanzi 26-year-old Product Manager

Alipay reports traffic violations, with a single reward 10. But there is a risk of being beaten. Don't ask me how I know.

9.@ 33-year-old public relations manager

Alipay insurance, although similar to constellation prediction.

One day, I suddenly found that Alipay had an insurance evaluation, so I tried it. About 10 questions are all about "Do you usually drive and travel a lot?" After the test, you will receive an evaluation report, including health risks, financial risks and travel risks, and then give suggestions on insurance priority and insurance amount, and recommend products.

But I didn't buy it in the end, because the problem was too simple and the product terms were vague. However, some suggestions can be used as reference for offline insurance.