What is Consumer Investment? What is Consumer Investment? Is it legal?

If you don't know it, it's easy to be fooled into pyramid schemes, and there is no clear legal protection for consumer investment, but it's not all illegal, as long as you don't touch the bottom line of the law.

Reasonable consumption refers to the optimization of consumption structure on the basis of a certain level of consumption to improve the efficiency of consumption. Rational consumption focuses on the appropriate proportion and mutual matching between various items of consumer expenditure, and the mutual adaptation of the supply structure and demand structure of consumer goods.

Rational consumption refers to the optimization of consumption structure on the basis of a certain level of consumption, so as to maximize the benefits of consumption.

Only buy the necessities of life, things that are needed, do not consume too much and waste, and buy some useless things.

A reasonable consumption can make oneself very rational and can be better arranged economically. Especially in terms of household expenditure, it is still relatively favorable.

If you want to be a reasonable consumer, what are the conditions of your home? For example, the condition of your home is not good, and you consume to buy a TV, buy tens of thousands of yuan, this is unreasonable consumption, that is to say, your home conditions are good, you can buy a good one, your home conditions are not good, just buy a little worse.

In my opinion, rational consumption means that we should pay attention to the balance between spending and entering consumption.

For example, as a circle of intellectuals, it is normal and reasonable to buy books. But for people who don't read, he will feel that this is unreasonable consumption.

The problem you encounter is the conflict between your mother's concept of consumption and yours, as well as the conflict between your current economic level and your consumption level.

Your mother's idea is that you are a college student, or you are study-oriented. Daily necessities should be simple. Your mother will also not prohibit your consumption altogether, but demand reasonableness. Then it can be understood as buying as much as you want, don't stock up. I'll talk about the reasons later.

Your economic level is one in which your expenses are much greater than your income. Your living expenses are paid by your mother, and your concept of income will be more vague. You don't know the specific labor cost of the 2,000 yuan living expenses.

Think about it from another angle, if you work and you live independently, you are no longer embarrassed to ask your mother to give you living expenses. Then at this time, you have 2,000 yuan to spend. So, would you choose to set aside half of it for short-term consumption?

Probably a question mark.

Because of your current consumption, even if you overspend, there is a family to cover for you.

The other is the so-called discount, which is a marketing strategy for merchants. In fact, if you think it is cheap, you have hoarded a bunch of things, and in the end you may not be able to use it completely and get the value of the item completely. There can be a lot of waste in this.

The consumption standard should match one's own income, which is called reasonable, and cannot be blindly consumed.

Consumer investment refers to the investment method of obtaining returns through the purchase of specific goods or services, such as the purchase of **, **, real estate, etc. For consumers, consumer investment may be a viable way to make money, but there are also risks associated with it.

First of all, consumer investment requires a certain amount of professional knowledge and experience. For the average consumer, they may not know enough to make the right investment decisions. Some people may even be deceived by bad information and deception, resulting in investment failure.

Finally, there is a certain amount of risk associated with consumer investment. Many investments have unavoidable risk factors such as market volatility and policy changes, and when the market goes bad, investors may suffer losses.

Overall, consumer investing is a legitimate way to invest, but it is not an easy task for the average consumer. For those who want to make consumer investments, they need to fully understand the market**, choose the right investment varieties, and always be vigilant to avoid being cheated or causing unnecessary losses.

1. Different definitions.

Investment refers to the process by which a country, a company, or an individual, for a specific purpose, signs an agreement with the other party to promote social development, achieve mutual benefit, and transfer funds.

Consumption is an important link in the process of social reproduction, and it is also the final link. It refers to the process of using social products to meet people's various needs.

Second, the types are different.

Investment includes: 1. Investment: Investment refers to the investment behavior and investment process in which investors purchase valuable derivatives such as bonds, bonds, and other valuable derivatives in order to obtain dividends, interest and capital gains.

2. Club investment: groups that often meet for the purpose of investing money, and their investment targets are usually **and other publicly traded **.

3. Overseas investment: investment strategy based on ** and real estate.

Consumption includes: 1. Planned type.

It is very sensible to make plans according to the actual goals of household income, and there are few blind and surprise spending.

2. Random type.

This type of person consumes entirely according to personal preferences and temporary interests, and has less consideration for the overall consumption benefits, and is more prone to blind and wasteful consumption.

3. Thrifty.

When consuming, we are careful to save, and we are good at using renewable consumption. However, an overly frugal consciousness can sometimes lead to overspending due to excessive purchases of bargains.

Third, the characteristics are different.

Investment is another asset obtained in exchange for the transfer of other assets, which is an asset held by an enterprise outside the process of production and operation, an asset in the form of rights, and an asset with financial risks.

According to the importance of the means of consumption to people's lives and the form in which people consume them, consumption can be divided into the following levels: the means of consumption are divided into three categories: means of survival, means of enjoyment, and materials of development.

Among these three categories, the means of subsistence are the basic level of the means of consumption, and the elasticity of their consumption demand is the smallest. Only after people obtain this level of consumption, will their consumption demand extend and develop to a higher level.

They have many intersecting and interrelated "junctions" in terms of content, and they are constantly changing with the development of social productive forces.

Recently, an economist's statement that children are long-cycle consumer goods has attracted everyone's attention and caused related discussions. ......Whether such a statement is appropriate and whether it can be recognized. Different people have different opinions on this issue.

Specifically, it includes the three aspects of children being thoughtful and conscious, the fact that they are fundamentally different from commodities, the fact that children are understood from a professional point of view, and the fact that children play a more important role in the field of spiritual comfort for parents.

1. Children are thoughtful and conscious people, and they are fundamentally different from commodities.

In economics, consumer goods are goods that are used to meet people's immediate needs. Children are thoughtful and conscious people, and there is an essential difference between the two. ......Therefore, it is generally understood that it is inappropriate to treat children as consumer goods, whether for a short or long period.

This is always the case.

2. From a professional point of view, it is understandable to compare children to the growth cycle of consumer goods.

The concept of children as consumer goods comes from economists' research on family decision-making. The term "consumer goods" here is a metaphor used to describe the contribution of children to the family and the family's investment in them. ......From this point of view, it is understandable in the academic field to compare children's contributions to the family and parents' investment in their children to consumer goods, but this situation is limited to the professional field and is not the same as the daily understanding.

3. Compared with the function of consumer goods, children are more important for the spiritual comfort of parents.

As thoughtful and conscious people, children are fundamentally different from ordinary commodities. Therefore, the metaphor of children as long-cycle consumer goods does not mean that children are simply regarded as commodities, but rather emphasizes their responsibilities and functions in family life. ......Specifically, for parents, children not only have the function of supporting their parents and providing corresponding living conditions for their parents, but more importantly, children can communicate with their parents and communicate with each other, and this kind of spiritual comfort is more important for parents, which is the essential reason why children are called long-term consumer goods.

I really don't want to deliberately say too much negative information about this industry!! The industry is not straight. Pin, not a pyramid scheme, let alone fundraising. The industry relies on interpersonal networks, using geometric multiplication, five-level and three-tier bonus distribution system. It is like social security, through a platform to gather the scattered funds of the society through the principle of market multiplication, according to a certain proportion of redistribution, so that the participants in order of priority, and the size of the ability to gradually and quickly get rich.

to ultimately achieve the goal of common prosperity. Nowadays, the whole of China has entered the era of integration of finance, wisdom and human resources, and whoever grasps the pulse of the progress of the times and keeps up with the trend of social development will have wealth and may be respected and recognized by the whole society.

This model is an inevitable product of the formation of China's current market economy, which can enable the rapid accumulation of capital, which in turn is quickly transformed into productivity and consumer capital, thus driving the development of all walks of life in the local area.

Analysis·· Delivery·· Flow. 2055;;;9082;;;04;;;Communication; The industry is real, there is no doubt about it. But if it's 100% as it says. Gong is in the sudden. You, during the inspection, they did not answer some sharp questions head-on, and many of them used the so-called country. It makes sense to say what home is like.

But when you calm down and think about it, you will find that there are many loopholes, which are not as perfect as they say. You may have a lot of doubts, but there are tens of millions of people engaged in this industry today.

If there are those who lose money, then there must be a few people who make money. This is the most basic concept of the law of the market economy, and money is redistributed through an unfair channel to a very small number of manipulators.

Here's a quick summary. If this industry wants to succeed, it must have the following three conditions: Otherwise, think again!! First:

You must have a strong financial backing: second: whether you have strong interpersonal relationships: third: whether you can withstand the incomprehension of relatives and friends.

Looking forward to your delivery丨flow 2055;;; 9082;;;04;;;Xiaodong Exchange;

1. Loan is a kind of debt, although there is an agreement on investment, but it is not a debt, but only the disposal of one's own property rights; Loans can be secured and transferred, while investments are generally not, but they are transferable;

2. Lending means that the ownership of general property has been transferred, and investment is only a certain change in the right of occupancy, but it still enjoys incomplete rights of control, use, use and disposal;

3. The purpose of investment is to obtain certain income or benefits, and the purpose of borrowing may be various, although most of the loans are also for economic purposes, but some loans are free;

4. The possible benefits of investment are future and uncertain, while if the loan is paid, it should be certain;

5. The investment can be self-owned, such as its own income, etc., or it can be borrowed funds; Lending is generally a possession of the right to govern;

6. There are many forms of investment, generally real capital or financial capital; Loaning, on the other hand, is the transfer of ownership of property, and for the lender it is the temporary extinction of property;

7. The return of investment is the benefit, and the investment itself is generally not recoverable (except for joint ventures)."Withdrawal of capital contributions"It is not allowed by law, and if it is serious, it constitutes a crime; Loans can and should be recovered. Investments carry the risk of loss, while borrowing can be mitigated by guarantees, debt transfers, etc., while investments are not.

Geometry Finance].

Everyone spends money, and the more money is spent, the less money is spent. But there are people who can spend more and more money, which sounds incredible, but anyone can do it if they can distinguish between investing and spending. Five years ago, I bought a car for 200,000 yuan, and now the car is an old used car, which can be sold for up to 100,000 yuan.

But at that time, it was 200,000 yuan to buy a small house, but now it can be sold for 400,000 yuan. It's all about turning money into something, but the result is completely different. People who bought cars took 5 years to turn 200,000 into 100,000, and the money is getting less and less, which belongs to consumption.

The person who bought the house, but in the same time, turned 200,000 into 400,000, and the money became more and more, which belongs to investment. Lao Zhang passed by the pet market after work and saw a small flower dog that was very cute, so he bought it for 100 yuan, and he originally planned to take it home and raise it himself. As a result, as soon as he crossed the road with the puppy, someone asked him:

Does your dog sell? Lao Zhang said casually: "Sell, 300 yuan."

Unexpectedly, the person did not make a counteroffer, paid on the spot, held the puppy and left. If Lao Zhang buys a puppy and takes the dog home, this behavior belongs to pure consumption. But he then sold the dog at a markup, and the act became an investment.

It can be seen that the easiest way to measure investment and consumption is: whether the money spent now can be increased in value and realized in the future.