Internship w4: House renting and learning financial management

This week is really boring, because there are three things to worry about - graduation thesis, certificate exam and certificate exam. One can switch back and forth to allocate time for good operation

In addition, I was renting a house during the Tomb Sweeping Day holiday this week. I signed a contract on the last day, which has grown a lot

Rental Checklist

Summary: find a good formal platform, select several sets to have a look, and let the broker help solve the problem

A few things to consider first

1. Selection of rental house type (several rooms and several halls, whether there is a balcony, how about the lighting, and on which floor)
2. Quality of life around (transportation, subway, bus, parking, charging, garbage delivery, express delivery, daily fruit and vegetable stores)
3. Own budget level
4. Which platform to find houses (Lianjia Beike Deyou, Ziyou Rubik's Cube)

It was the first time I rented a house in my life. I didn't choose a shared apartment because I felt that the risk was higher. I felt that it was dangerous to rent an apartment for a long time. I didn't move this idea. Finally, I rented a house by myself. When I saw the landlord, I knew that I was still an alumnus

My overall needs are

1. Able to charge electric vehicles for express delivery
2. There are supermarkets and daily chemical stores within 500m around
3. I can cook by myself!

I saw two sets in the chain house in turn (the chain house Shell Deyou is one), which was OK but the price was relatively high. Then I was very depressed when one set was ordered but I didn't notice. When I painted the app at dinner, I suddenly found a very good one near my school in the old city. The furniture was still very new, even potted plants, and the price was quite low in the same period, I asked the broker to take me to see the house. Once in the evening and once in the morning, I saw the daylighting and checked the water and electricity furniture. I was very satisfied with my appetite. I decided to lead the house. I had to wait about 10 days with the landlord as long as possible. After completing the formalities at noon, I officially signed the contract in the afternoon. Generally speaking, it was quite hasty, but I was satisfied. The broker was responsible, The landlord is kind, the furniture and surrounding environment are very good, but when you enter the house, you have to cross a street with a large flow of people (a local scenic spot), and see how to overcome hhh in the future

In short, I feel safe for the first time (maybe) and hope everything will be fine in the future!

Put your own checklist and find it on the Internet. It is best if it is helpful to you

Checklist rental demand

Extracted from Innocent Rental Experience and Precautions List (2019 Edition)

1. First limit the community you like

• convenient transportation

  Look for bus routes and subway routes, and see which communities are within walking range on the map.

• Elevator room

  Because there are children, the staircase is very inconvenient. If the number of floors is only 6, they will give up. They are all staircase rooms.

  However, there are two kinds of houses in some communities. You can check more houses to see if the whole community is really a staircase house.

• Surrounding environment

  • Access card required

  • No advertising

  • Supermarket, food market, snack bar and drugstore within 500 meters

  • There are schools and hospitals nearby
  • Elevator and maintenance condition (old and useless)

You can also check the comment reference in Anjuke, Baidu Map, Gaode Map, etc.

2. Request template sent to intermediary

• Number of people
• Area (subway line, bus line, community)
• the measure of area
• Type (whole lease/joint lease)
• Room type (several rooms, several halls and several bathrooms)
• floor
• Decoration requirements (simple decoration, fine decoration, rough)
• Facilities (children, fitness)
• Near school?
• Near the subway?
• Is there an elevator?
• Handle certificates? (Residence permit)
• Available time
• budget

3. Checklist in specific house

a living room

• Fan or air conditioner
• Television
• cupboard
• sofa
• table
• Dining chair
• Shoe cabinet
• Window or balcony (with curtains and mosquito screen)

balcony

• Protective fence
• Windows (with curtains and mosquito screens)
• Clothes drying pole

kitchen

• gas cooker
• Smoke lampblack machine
• Refrigerator
• Natural gas
• cupboard
• Large sink or two sinks (hot and cold water)

TOILET

• Independent shower room
• Shower (cold and hot water)
• Toilet (spray pipe can be installed)
• Wash basin (cold and hot water)
• cupboard
• air ejector fan
• Washing machine
• mirror

bedroom

• Bed
• mattress
• wardrobe
• bedside cupboard
• Air conditioning (cooling/heating)
• Windows (with curtains and mosquito screens)

other

• Daytime lighting and ventilation
• Watch noise and lighting at night
• Is there any construction or traffic nearby
• Whether the electrical appliances can be turned on and operate normally
• Plug in and pull out the socket effortlessly, and it can be powered on normally
• The gas stove can be opened quickly
• The bath water is hot and powerful
• Quick drainage at drainage outlet
• The toilet button will rebound, and no water will flow after flushing
• The light is bright enough and does not need to be replaced
• The window is stable, easy to open and close, without shaking or excessive rust
• The ceiling has no mottled or patched marks
• There are keys for each room

4. And the signing of the contract

Talking about conditions

• Reduce rent
• Add appliances
• Maintenance is defective
• The landlord is responsible for the property management fee, cleaning fee, garbage fee and heating fee
• Agree to handle certificates for co residence, such as temporary accommodation registration and residence permit (Write all into the contract)

sign a contract

• ID card and property ownership card of the landlord
• Move in date
• Rent delivery date
• The above mentioned completion date of repair and addition
• Registered water, electricity and gas degree
• Calculation of water, cable, gas, TV and network fees (some landlords charge by themselves)
• Number of door keys, door cards and mailbox keys available
• Indicate the damage degree in the list of furniture and electrical appliances
• The furniture and electrical appliances are aging. Is the failure repaired and replaced by the landlord

Then this week's internship

This week, other interns did not come, leaving me and an old man under great pressure

The main thing is to make a report on the topic, and the other thing is to study independently. Apart from reviewing the certificate, there is nothing to do

In the project, we need to do asset allocation for customers, forcing ourselves to understand the next two types of funds

Fixed income funds

Mainly based on bonds, which are interest rate stability investment products, more than 80% of bond positions can be called bond funds

Risk: bank deposits<bond funds<stock funds

Income: bank deposits<bond funds<stock funds

Overall strategy: As a medium - and long-term investment, bond funds should be held for more than one year after purchase.

I'm still learning, and I think this is very good What is bond fund

But I don't recommend the last lesson above. Why don't you just find a customer manager in charge? You can accept professional services without spending money

I will try to update it later

Equity funds

Equity is the asset liability part of the balance sheet. Equity funds generally invest in stocks and other markets. If more than 80% of the positions are stocks, they can be called stock funds

The risk of stock funds is very high, of course, it is also very good when the return is good. According to colleagues, the annual return rate of many of us last year was about 30%, which is quite considerable (the expected return rate is generally about 5-10%)

Overall strategy: When the market situation is not very stable, it is recommended to make long-term investment decisions! Although the time is long and the efficiency is low, the effect is good in the long run. The final result may be a smile curve, which is very beautiful. Theoretically, it is very likely to make money in the long run (it may be very long in the long run)

Market this week

Shanghai Stock Exchange closed at 3484, ⬆️ 40。 After the three-day long vacation, I started to go green again! In case of a long holiday, you must be cautious, but you must buy wealth management before Thursday so that you can get more weekend income!

I feel I have learned a lot. See you next week!