Give someone a rose, and it smells good in your hand.

The ancients said

Politeness costs nothing.

Today's cloud:

Return the favor with a peach and return the favor with Qiong Yao;

Although kindness drops, gratitude is like a spring;

Give someone a rose, and the hand has a lingering fragrance.

The Great Awakening Cloud:

Where does wealth come from? Say: charity.

To sum up, giving and receiving gifts is a happy thing.

But,

Everything has an accident.

The same is true of gifts.

Once again:

Mr. Lu Xun told a story, roughly:

Congratulations on the birth of your son and the full moon. Ask three fortune tellers to predict the full moon.

Mr. Jia said: Your son will be very smart in high school next year. Members are overjoyed and given gold coins;

Mr. Wang said: Your son will be very rich in the future. Members are also overjoyed and given gold coins;

C: Your son will be finished in the future. The members were furious and drove them away.

As can be seen from the above, regarding your son, Party A, Party B and Party C have all made judgments, told the truth and told the future. Real, virtual? Yes or no?

You should be like a mirror in your heart.

What is said later in this article is similar to what the sons of A, B and C said above, especially Mr. C, and it is quite professional and boring. You can skip what you don't like. Please forgive me if I feel neglected after reading it.

Anyway, let's talk about "giving away", that is, "giving away roses".

Recently, it is often heard that financial institutions enthusiastically give away "gold accounts" to customers, which is wonderful and no less than "cash cow".

So, what are the highlights of the "golden account" presented?

In my humble opinion, there are several points-

Gold account "gold account", commonly called a gift, has several main points:

1. Does the guaranteed interest rate involve (1) simple interest? (2) compound interest? (3) How high

Two. The historical and current settlement interest rates are the same as above.

Third, financial attributes: universal insurance or universal+life insurance?

Fourth, whether it is the main insurance or the additional insurance, it can be purchased separately or in combination.

V. Is the risk premium deducted from the base of the settlement interest rate (yield)?

6. Interest settlement and interest rate: compound interest daily or monthly?

7. Is there any amount limit for premium increase (so-called deposit) and partial surrender (so-called surrender)? Is there a time limit? What is the initial cost? How to calculate the handling fee? Are there any rewards or discounts?

? 8. Can I designate a beneficiary?

? 9. Can the money in the "golden account" isolate the debt risk, marriage risk and inheritance risk? Is it helpful for tax planning?

X the cash value of "gold account" is ...

?

Eleven, in addition to giving away the "financial account", there are also giving away the "health account".

? Give someone a rose, and your hand will smell fragrant. How can you not applaud:

? What a wonderful time it is. Learning from Lei Feng to do good deeds, offer love and do charity has become a common practice, and our life is full of sunshine!