How is Tim Yibao income settled?

The income of Tim Yibao is settled daily, and the income of yesterday is received before 15:00 in the afternoon every day. The funds consumed or transferred out with Tim Yibao are deducted from the part that is transferred in from the last recharge, so the part of the funds that are consumed or transferred out will not be reimbursed on the same day.

Customers are advised to recharge before spending. For example: 1) If the original account has 10,000 yuan, consumption, and recharge 1,000 yuan in the morning, there is 11,000 yuan in the account, and I consume 1,000 yuan, is the interest on the day calculated according to 10,000 or 9,000?

A: Recharge first, then consume, the balance remains unchanged, calculated at 10,000 yuan; 2) If there is 10,000 yuan in the original account, I have consumed 1,000 yuan, and there is 9,000 yuan left after consumption, and I have recharged another 1,000 yuan before 15 o'clock on the same day, is the interest on that day calculated according to 10,000 or 9,000? a：

Consume first, then recharge, and the balance of income will be reduced, calculated at 9,000 yuan. Users in Guizhou pay attention to China Telecom. Guizhou customer service*** can pay on WeChat, one-click check phone bill recharge, traffic, points, bills, and detailed orders can be self-service, convenient and fast.

The funds transferred to Tianyibao will be purchased by Minsheng Bank or Bank of Shanghai on the second working day**, and the income will be calculated for the funds that have been successfully purchased, and the income will be credited to the Yipay account, please check the income before 15:00 on the third working day.

What is Tim Yi Bao?

Tian Yibao is a communication operator China Telecom, the product is a balance wealth management service provided by Yipay and Minsheng Bank to advanced real-name authentication users, and its historical expected annualized rate of return can reach 5%-7%.

In the initial stage of the business, Tian Yibao mainly generates the expected annualized expected income through the direct bank of Minsheng Bank, Rooibos, which gives full play to the technical, business and reputation advantages of operators and financial institutions, integrates payment accounts and wealth management accounts, and is open to all users, so that customers can enjoy the convenience of Internet finance and the expected annualized expected income of both consumption and financial management.

What are the advantages of Tim Yibao?

1. The funds deposited into the ePay account can not only be consumed and paid at any time, but also obtain the expected annualized expected return, which is very flexible and convenient.

2. No need to subscribe, automatic financial management of Tongpeng account balance;

3. "Recharge and consume at any time 24 hours a day, 7 days a day. China Telecom personnel pointed out.

How to calculate the expected annualized expected return of Tim Yibao?

Users can offset communication fees through "Tim Yi Bao" financial income, taking 49 yuan ** as an example, the annual phone bill is 588 yuan, if the user deposits 11,760 yuan to Tim Yi Bao side socks (according to the expected annualized expected rate of return of 5%), the expected annualized expected return of financial management can basically offset the communication fee for one year.

Detailed calculation method:

If you deposit 10,000 yuan to Telecom Tianyibao, then the expected annualized expected return for one year is: 10,000 * 7-day historical expected annualized expected rate of return. And since the expected annualized expected rate of return is fluctuating, the expected annualized expected rate of return for one year also fluctuates, but it can be roughly average.

Assuming that the 7-day historical expected annualized expected return of Telecom Tianyibao is 5%, if the deposited principal is 10,000, it means that your expected annualized expected return for one year is about 10,000*5%=500 yuan.

Can you also manage your money with phone bills? Absolutely true. Nowadays, phone bill management has become a new fashion for financial management, and it also provides consumers with a new investment and financial channel.

Today, let's first learn about the Telecom Tianyibao wealth management products. Once Wing Pay is launched, it is too bad to have such a high expected annualized expected rate of return, why is there such a high expected annualized expected rate of return, and what is behind it?

What is Tim Yi Bao?

Tim Yibao is a balance value-added wealth management service in cooperation between China Telecom and the direct bank of Minsheng Bank, and the Rooibos product is connected to the two currencies of Minsheng Jiayin and China Universal Wealth**. The financial planner said that we can see that Tim Yibao is actually a currency** wealth management product, and investment still needs to be cautious.

What are the advantages of buying Telecom Tim Yibao?

Although the expected annualized expected income is not very attractive, in order to attract more customers, Telecom has cooperated with Alipay to purchase a 0 yuan machine to enjoy the expected annualized expected return project, which has attracted many people. For account balance management, Yue Bao users can get a mobile phone for free by authorizing a part of the funds in the account as collateral. Taking the iPhone 5S mobile phone as an example, the user needs to take out 5,288 yuan from Yu'e Bao to buy Tian Yibao, with a freezing period of 26 months and a contract period of 24 months.

During the contract period, the customer promises to pay 389 yuan per month. After the contract expires, the user will get the mobile phone for free, and at the same time, the user can also take out the frozen funds of 5,288 yuan and the expected annualized expected return from investing in Tim Yibao.

What is the expected annualized expected return of Tim Yibao?

As of June 17, 2015, the 7-day historical expected annualized expected return of Tim Yibao is not much different from the expected annualized expected return of Yu Yu Bao.

As a currency product, although its basic expected annualized expected return is the same as that of similar products in the market, the use of funds in the Tim Yibao account for car refueling, supermarket payment, credit card repayment, phone bill payment, water, electricity and gas and other online and offline living payment payments have different degrees of discounts, and all kinds of preferential expected annualized predicted hand income are converted. The expected annualized expected return of Wing Pay Tim Yibao can reach or even exceed the riders.

Financial advice:

Although China Telecom Tianyibao has quite attractive purchase discounts, customers should still be rational in managing their phone bills; After all, Tim Yibao is a financial product, first of all, we must pay attention to investment risks, and then we must choose the best business that suits you, such as iphone5s high-end mobile phone phone bill financial plan, customers should have a monthly phone bill of 389 yuan, this phone bill may be for some ordinary users, the monthly phone bill may not be used 389 yuan, and the unused funds will be wasted. Therefore, financial planners said that when users buy Tim Yibao, they should choose a mobile phone and ** business that suits them according to their own income and daily phone bill consumption.

Tim Yibao is a currency**-based balance value-added service launched by China Telecom's ePay for the majority of users, and its first partner is China Minsheng Bank. At present, its partners are China Minsheng Bank, Bank of Shanghai, and Harvest**.

Tim Yibao is a kind of financial management service, it does not cost money to open, as long as there is a balance in the payment account, it is recommended to generate income, it is recommended to be more than 100 yuan, and the income can be consumed or withdrawn.

Need. The advantages of Tim Yibao are:

1) The funds deposited by the user into the ePay account can not only be consumed and paid at any time, but also can obtain income, which is very flexible and convenient.

2) No subscription is required, and the account balance is automatically managed;

3. "Recharge and consume at any time 24 hours a day, 7 days a day.

Now the income of Yu Yu Bao and Tian Yibao is almost the same, but Tian Yibao is a financial product launched by Telecom Wing Payment, which gives people a safer feeling.

Hello, the 4G traffic sent by Tianyi Bao is sent in the current month, and it is valid for 3 months, and my validity period is August 23rd.

You need to open ePay, log in to the official website of ePay to open Tim Yibao, and then use a bank card to transfer the money to ePay, and the amount recharged to ePay will automatically generate income.

This investment is not profitable.

Tim Yibao can be consumed and paid at any time, and can also get income every day, which is very flexible and convenient, making money and spending money at the same time About Tim Yibao, you can go to the home page of your local telecom online business hall - help and support - 10000 to see

Tim Yibao is a full-balance value-added wealth management service launched by ePay. After opening Tim Yi Bao, the ePay account can not only consume anytime and anywhere (online shopping, transfer, credit card repayment, phone bills, etc.), but also enjoy financial income every day.

The products currently supported by Tim Yibao are: China Minsheng Bank Rooibos, docking with China Universal Currency**, **program code (000330); Bank of Shanghai Hui Caibao, docking with Bank of Shanghai**, **program code 000542A; Harvest currency a, docking Harvest**, **code 070008.

It is understood that "Tim Yibao" is a wealth management product launched by China Telecom Wing Payment and Minsheng Bank, which was initiated by China Minsheng Bank to purchase China Universal currency**, and its annualized rate of return can reach 5% 7%. The product mainly generates revenue through the direct bank of Minsheng Bank, "Rooibos", which integrates payment accounts and wealth management accounts and is open to all users. At the same time, users can offset communication fees through "Tim Yibao" financial income, and can also get another 4GB of data, which is valid for 3 months.

1] 2 Advantages "The advantages of Tim Yibao lie in three aspects: first, the funds deposited in the Yi Pay account can not only be consumed and paid at any time, but also can obtain income, which is very flexible and convenient, and it can be said that it is right to make money and spend money; Secondly, there is no need to subscribe, and the account balance is automatically managed; Finally, recharge and spend at any time 24 hours a day, 7 days a day. China Telecom personnel pointed out.

1]3 related evaluation Niu Wen pointed out to the "Daily Economic News" reporter that this indicates that China's communication operators have also joined the army of balance financial management, but the product mainly generates income through Minsheng Bank Rooibos, and Minsheng Bank's Rooibos is mainly linked to two currencies**, therefore, the essence of China Telecom's Tian Yibao products is still investment currency**. Yuan Jianming, chief analyst of Beijing Junde Wealth Investment Management, also told reporters that the main reason is that China Telecom Wing Payment has been doing well, coupled with a large number of customers precipitating funds, and customers have demand for this part of fund management. [1]

It is similar to Alipay's Yuebao, but it is more convenient than Yuebao, after opening, you can directly recharge to the Yipay account to manage your finances, and you don't need to transfer in and out.

Tim Yibao is a wealth management product launched by China Telecom, which is a balance wealth management service provided by ePay in conjunction with Minsheng Bank, Bank of Shanghai, and Harvest** to advanced real-name authentication users. After opening, you can manage your money as long as you deposit money into the account.

Tim Yibao is a full-balance value-added wealth management service launched by ePay. After opening Tim Yi Bao, your ePay account can not only spend anytime and anywhere (online shopping, transfer, credit card repayment, phone bill, etc.), but also enjoy financial income every day. The products currently supported by Tim Yibao are:

China Minsheng Bank Rooibos, docking with China Universal Currency**; Bank of Shanghai Hui Caibao, docking with Bank of Shanghai**; Harvest currency A, docking Harvest**.

Tim Yibao withdrawal method:

1. Client: Please select the "transfer out" program in the ePay client Support 18 banks, real-time arrival, the limit is 10,000 yuan for a single transaction, 10,000 yuan for a single day, and 30,000 yuan for a single month.

2. Portal**: Log in to your personal homepage and select "Withdraw" to support Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, and China Merchants Bank. It takes 1-7 days to arrive.

Tim Yibao is a currency**-based balance value-added service launched by China Telecom's ePay for the majority of users, and its first partner is China Minsheng Bank. At present, its partners are China Minsheng Bank, Bank of Shanghai, and Harvest**.

After the user opens the wealth management application of Tim Yibao on the ePay platform, the account balance of ePay can be automatically financed; The funds deposited into the ePay account can not only be withdrawn and consumed at any time, but also can be earned, which is flexible and convenient, and there will be no handling fees in the whole process.

"Tim Yi Bao" is a wealth management product launched by China Telecom Wing Pay and Minsheng Bank, which was initiated by China Minsheng Bank to purchase China Universal Currency**, with an annualized rate of return of up to 5% and 7%. From the above table, we can see that as of May 7, 2014, the monetary income of Yu'e Bao is Tianhong Zenglibao.