Rebirth of the Almighty Internet Celebrity

Chapter 363

Of course, helping to buy "social security" is mainly for the younger daughter.

After all, the "Zhou family's eldest daughter" is engaged in a profession, and the company has long helped to purchase "five insurances and one housing fund", which includes "social security", which is commonly known as "pension insurance".

The company of "Zhou's eldest daughter" is very formal.

Instead, the "youngest daughter of the Zhou family" always works as a "piecework" general worker in some small workshops.The income is low, and they don't help to buy "social security".

So when "Coach Zhou" developed, he also began to purchase "social security" for his youngest daughter.It's just that this "social security" has to be paid for at least 15 years, and then you have to wait until the "retirement age" before you can receive the "pension".

"Coach Zhou" has been famous for a few years, so he bought "social security" for his youngest daughter for several years.Unfortunately, it went bankrupt and was heavily in debt.I want my youngest daughter to continue to pay "social insurance premiums" by herself.She was very reluctant.I plan to procrastinate first, and wait until the "retirement age" is reached, and if I can make up a one-time payment, then I will borrow money to "make up the payment" all at once.

At that time, after the "make-up payment" is over, you can start to receive the "pension".Only in this way can we have the motivation to pay "social security".

Now her husband, the "little son-in-law who works like a jerk", is not up to par, and stays at home without working to earn money.As a result, the whole family's expenses had to be supported by her, a woman-in-law.As a result, it is difficult to even maintain the daily expenses of the family. How can there be any spare money to continue to pay "social security"? !
In short, every family has scriptures that are difficult to recite!
Precisely because they grew up in "poverty", and their father got rich all at once, the two daughters who grew up in poverty saw the hope of becoming a "rich second generation", and they cherished it very much in their hearts.It's a pity that the father's wealth was not left to the two of them to "talk about".As a result, "Coach Zhou" continued to boldly invest in "unfamiliar business fields" and suffered bankruptcy.

Missed the opportunity to become a "rich second generation". If there were not so many "setbacks" in later life, it is estimated that the "eldest daughter of the Zhou family" would not particularly care about the "millions of gains and losses".

However, her mother's serious illness later, and her experience of spending a lot of money on building a "livable new house"... All these things made the "eldest son-in-law of the Zhou family" and his wife "tired to cope with it."After that, even a person who doesn't particularly care about money will actually become very "desire".

Just because there is a "living example" in front of them, the "Zhou family's eldest son-in-law" and his wife both understand a truth: if there is no "plan" for family income, even if they have a "net worth of tens of millions", it is easy to lose everything.

With this kind of "consensus", the two parents-in-law of "Zhou's eldest son-in-law" are like two "financial management" experts. They both listed detailed plans on how to repay the principal and interest of "provident fund loans".

It's not that the two parents-in-law don't know at all how much principal and interest they have to repay every month.That is to "bind" one of your "accounts" and directly "deduct money" to repay the loan every month.You don't need to remember anything in particular.The only thing you have to do is to "guarantee" that the bundled "account" always maintains sufficient funds.

The husband and wife of the "eldest son-in-law of the Zhou family" need to plan carefully for the reasonable expenses of their parents-in-law's income.

Among the two couples, the salary and benefits of the "eldest daughter of the Zhou family", after deducting the "five insurances and one housing fund", are 6500 yuan.

And the "son-in-law of the Zhou family" has a salary increase because he became the information director of the department, which is 1000 yuan more than that of ordinary employees.Originally, the company's salary and benefits were at a fairly high level, and his wife had 6500 yuan.He has an extra 1000 yuan, which is 7500 yuan per month.

The combined monthly income of the couple reached 14000 yuan.

This salary is not very conspicuous in the "first-tier big cities", but it is very good in the "second-tier cities" where they are located.

They successfully applied for a "provident fund loan" of 30 yuan, and they had to "repay" about 3000 yuan a month. "Repay" relatives' private debts of 8 yuan, and a fixed monthly payment of about 1000 yuan.Those rich relatives are unwilling to take the thousand yuan repayment from his husband and wife every month.One of the same sayings: tell him and his wife to pay off the "provident fund loan", and then consider paying back their little money.

In fact, the intention is not to ask the "little couple" to pay back the money.

But the "eldest son-in-law of the Zhou family" and his wife have benefited a lot from their elders.Where is it better to continue to take advantage? !
Although the debt of 8 is not much, it still has to be repaid.

The elders did not want to receive a little "little money" from them every month, so the "eldest son-in-law of the Zhou family" and his wife fixed the more than 1 yuan that they had to pay off personal debts to a private account of the couple first. among.In this way, no matter what the urgent need is, if you don't touch the "exclusive account", you will naturally be able to save enough money to repay several elders in a few years.

At that time, I will give it back to them.That's also fine.

After deducting the above-mentioned "fixed expenses", the couple has tens of thousands of monthly income left, which can be used for other purposes.

Their relatively large expenditure is that their two children (one son and one daughter) have reached the stage of kindergarten.

In the "second-tier big cities" where they are located, kindergarten fees are extremely expensive.It has reached a high price of almost 2 yuan per semester.

Originally, there are not a few "public kindergartens" in the local area.Those "public kindergartens" can basically charge about half the price of private "kindergartens".

According to the "connections" that the "Zhou family's eldest son-in-law" and his wife know, it is actually not difficult to "enter" a "public kindergarten" with a limited number of places.But according to insiders, the teachers in this public "kindergarten" don't teach children much.They also have their own rhetoric: their public "kindergarten" is strictly abiding by the regulations set by the superiors.

How is the higher level stipulated?It probably means: do not advocate "kindergarten" to teach elementary school knowledge ahead of time.

According to the opinions of the "experts" above: if children are exposed to primary school teaching content in advance.Wait until they finish kindergarten and enter elementary school.When I was in the lower grades of elementary school, I suddenly discovered that I understood everything I learned.As a result, primary school students can easily become "weary of studying"!

It's a set of words, and it's serious.

And the public “kindergarten teachers” are surprisingly lazy.With such a "saying" from their superiors, they naturally regarded it as a "golden rule."

In the "kindergarten", what "happy growth" is advocated is mainly to cultivate children's habit of being civilized and polite.

In fact, to put it bluntly, there is nothing to teach.Just let the kids play with it.

Some parents also accept this "school-running philosophy".However, some parents find it hard to accept, feeling that this "public kindergarten" is like a "nursery".

These parents will ask questions.They have seen such a case with their own eyes: because the child does not have any "foundation", he only starts to learn the knowledge that other children already know when he is in elementary school, and he will learn more and more difficultly, so that he loses confidence.Then I simply "abandoned myself" to study...

Frankly speaking, the above two extreme situations exist.People who hold opposite views only grasp one of them to "generalize the whole".

For example, the "eldest daughter of the Zhou family" is actually a parent who firmly opposes sending their children to "public kindergartens".

Even if the "teaching fee" of public kindergartens can be more than half cheaper, it is not uncommon!
In addition, not all private kindergartens like her.There are some she also despises.The scale is small and there is almost no activity space, so we rent a small private house to run a "kindergarten".Moreover, the "teaching philosophy" is similar to that of public kindergartens - they also teach children nothing.

It is even more impossible for the "eldest daughter of the Zhou family" to choose such a private kindergarten for her own children.

She chose the local "educational kindergarten" with the best reputation among the private kindergartens, but also the most expensive.

Over 4 yuan per semester for "teaching fees" and "food expenses".For two semesters a year, the cost of a "kindergarten" for a single child has reached 8.There are two children in his family, so it costs [-] yuan to go to "kindergarten" every year.

This has greatly increased the family's expenditure.

The combined monthly income of the couple is 1.4.The annual income can reach more than 16.But just the "expenses" spent on children's kindergarten education each year reached 8 yuan.Directly "cut" half of his family's annual income.

His family still has to pay off the "mortgage" and debts. No wonder he and his wife feel that life is tight.

Fortunately, it was only three years in kindergarten.Gritting his teeth, he survived.

This is the concept and practice of a group of high-income families in China.

Most of these families were also born in poverty. Through studying hard, they finally got the chance to change their destiny.After they have their own children, they are particularly willing to "invest" in their children's education.

For singles without children, it seems that spending tens of thousands every year to send a child to "kindergarten" is not worth it.But for those parents who value "education investment", they also have their own opinions.

The core content is: Don’t let your children lose at the “starting line”.

Don't think that "kindergarten" education is insignificant.The age of kindergarten is generally between 3 and 6 years old.This period is a critical period for the formation of a child's "character".

If you choose an excellent "kindergarten", through various education and guidance, let the children develop qualities such as "diligence", "reasonableness", "punctuality", "politeness", "tenure", "generous" and "extroversion" ...and other excellent qualities, these good things will accompany me throughout my life.

When he grows up and comes out to work in the society, his cheerful and enthusiastic attitude will make it easier for him to integrate into his colleagues.

And the indomitable spiritual quality of "perseverance" allows him to face setbacks such as work without fear, and the super-level performance of "compression resistance" will make it easier for people to succeed.

……

In short, if many excellent qualities are formed in a child, they will become an integral part of his beautiful personality.Then he will always benefit from this during his lifetime of growth.

And a child, if in the process of forming his personality, he always accepts such things as "narrow", "selfish", "irritable", "overbearing", "lazy", "greedy"... If his personality is formed and he grows up, he will inevitably be "unfit" because of this unpleasant personality.

Even if we occasionally have some good friends, they are all "crooked melons and cracked jujubes", so-called "foolish friends".

"Birds of a feather flock together", he has such a personality and temper, and the friends he makes, of course he also likes to be the same as him.

Therefore, from the perspective of the "eldest daughter of the Zhou family", the difference between top-notch kindergarten education and ordinary kindergarten education is usually not noticeable (some parents even only see how expensive excellent kindergartens are).But in a series of "subtle changes", the children's personalities gradually take shape.

The implications are far-reaching.Directly affect children's life.

"The eldest daughter of the Zhou family" is not an "education expert", so she can't tell a lot of truths.But she has the most intuitive case: the two "living examples" of "the little son-in-law who works as a shelf worker" and her husband "the eldest son-in-law of the Zhou family".

Such a stark contrast.

In front of her, it can be described as "clear at a glance".

Like the "little son-in-law who works like a shelf", in the eyes of the "eldest daughter of the Zhou family", it is obvious that he lacks all kinds of "childhood" education, and he doesn't want to read and study when he grows up.The people he comes into contact with the most and are most affected by him are his "fellow friends".Therefore, he gradually formed the personality of "good bragging" and "delicious and lazy".

Isn't this personality deeply influenced?
Without the strong willpower to study diligently, I ended up not being able to read a few characters, and I was destined to do "hard work" throughout my life.

The character of "delicious and lazy" makes him cling to the work he is familiar with even if he has no income.

As the opposite of the "younger son-in-law who works as a shelf worker", the "eldest son-in-law of the Zhou family" works hard while studying, and has so much room to choose a good job after graduation!
In this way, he can easily pick a good job with a high salary.In particular, this work is better than the word "stability".As long as you are not lazy, you can easily have a regular income.And the "promotion" channel is very "smooth".Work hard for a few years, strive for job adjustments, get promoted, and then the salary and benefits will increase a bit... The future can be expected.

Using the two clear examples of "the little son-in-law as a shelf worker" and "the big son-in-law of the Zhou family" as a "contrast", it can be seen that in the process of children's growth, "education", especially "enlightenment education" in early childhood, is How important it is.

This is the interpretation of "the eldest daughter of the Zhou family".The understanding of "early childhood education".

In her opinion, if the husband she chooses does not have many advantages, it is impossible for her to like him, let alone marry him.

The "eldest daughter of the Zhou family" has always thought that her younger sister picked the wrong partner.

(End of this chapter)