In my childhood memories, my family's financial situation was very difficult, and the living expenses were often insufficient. And now, with the development of the country for many years, our living standards have been greatly improved, and many middle-aged and elderly people have accumulated a certain amount of wealth and lived a relatively comfortable life through their own hard work.
Banks have become their preferred financial tool. By depositing their hard-earned money in the bank, they can not only earn a certain amount of income, but also ensure the safety and reliability of their funds. Originally, middle-aged and elderly people planned to spend their old age on bank deposits.
However, the current social situation is complex, financial scams are emerging in an endless stream, and their savings are also safely secured. As a generation of children, we have a responsibility to help protect the elderly from financial risks and protect their hard-earned wealth.
Times are advancing, and criminals are becoming more sophisticated. The spread of the internet has led many seniors to use online banking and mobile banking, but it has also increased their risk.
In recent years, criminals have been scamming the elderly, and many bank deposits have been stolen. The hard-earned money accumulated by the old man for a lifetime disappeared like this, which is undoubtedly a big blow to their lives.
Occasionally, when I hear the news that an elderly relative or acquaintance has been deceived, I can't help but feel sad. Therefore, as a generation of children, we should be more vigilant and educate the elderly about the importance of risk prevention.
For elderly friends, the most important thing is not to easily trust the financial products provided by strangers, such as ** salesmen, friends who have just met, and even young people who take the initiative to help.
These ** will take advantage of the elderly's most vulnerable or anticipated moments, using rhetoric and promising high returns to deceive them.
I had an uncle who almost got scammed. That day, he suddenly received a strange young man who claimed to be an investment expert. He is very eloquent, saying that he has earned tens of millions of wealth in **, and now he wants to repay the society and launch an investment project with very low risk and favorable capital protection, and ensure a high return on investment every month.
My uncle was originally wary of strangers, but when he heard him say it so well and mentioned that the risk was low, he let his guard down. But I found out and stopped his remittance in time.
This incident has taught me a big lesson, we have to remind the elderly not to trust strangers' financial products, that is likely to be **, ten likely** is a scam.
Therefore, it is important to think carefully before signing any contract or making a payment, and consult with family members or legal professionals. Be sure not to simply trust a stranger's promise, lest your savings disappear inexplicably.
This may be the result of your life's work, so be cautious.
The second thing we need to pay attention to is to conduct regular audits and pay attention to the detailed flow of accounts. Due to the rampant online fraud, many seniors have been targeted.
The grandson accidentally charged tens of thousands of yuan while playing a game; Unknown web pages with links sent by acquaintances; The salesman said that there was a problem with the account and various fraud methods such as verification were emerging.
Therefore, regular audits can help the elderly identify potential problems in time and avoid further expansion of property losses.
There is an aunt who successfully avoided huge losses because of the habit of checking bank deposits and statements. One day, she found that there was suddenly an extra remittance record of nearly 100,000 yuan in her account.
My aunt hadn't made such a large transfer recently, and was taken aback by this sudden discovery. However, because her aunt called the police in time, she successfully recovered the 100,000 yuan.
After an investigation, it was determined that the account password was stolen by hackers, and the money was also transferred by hackers. If it weren't for my aunt's habit of paying attention to auditing, I'm afraid I wouldn't know where the 100,000 yuan would have gone.
Therefore, I think that both our loved ones and ourselves should check our accounts regularly. Flip through bank statements and balances every month, and set reminders so you can be notified of any changes instantly.
In my opinion, the property of the elderly needs to be audited and protected from financing traps.
In addition to preventing fraud and checking accounts, the liquidity of middle-aged and elderly friends is also a point we must pay attention to. Liquidity is how quickly your money can turn into cash in case of unexpected situations.
If you have a health problem and need surgery, you need to prepare part of the deposit for quick cash.
I had an uncle who taught him a lesson by investing almost all of his savings into a high-yield, long-term financial plan with a lock-in period of up to 5 years.
Last year, my uncle suddenly fell ill and needed to have a heart stent operation, which cost as much as 300,000 yuan. However, the uncle was unable to withdraw a penny from his own savings because all the money had already been invested in long-term financial products and could not be withdrawn.
In the end, it was his sons and daughters who pooled the money to help him with the operation, but he almost missed the best time for medical treatment.
Therefore, I suggest that middle-aged and elderly friends must pay attention to their own capital liquidity. If you put all your savings into illiquid long-term financial management, once you get sick and need money urgently, but you can't withdraw it, it will undoubtedly bring endless pain.
It is recommended that you set aside a part of the funds for your current account, so that you can withdraw them at any time, and ask whether you can terminate them early and whether there will be additional fees before purchasing longer-term financial products.
At critical moments, the liquidity of funds is a key factor in life and death.
Last, but not least, is the security management of the account itself. In this information age, although many elderly people have also started to use online banking, bank accounts are directly related to property security. Therefore, the security management of the account must not be neglected.
Therefore, we must attach great importance to account security, which is the primary task of middle-aged and elderly friends to protect their wealth.
First, be sure to set a complex and secure password. Don't set some passwords that are too simple for birthdays, mobile phone numbers, etc., because they are easy to guess. It's best to use a combination of letters, numbers, and symbols to make it more difficult to crack.
Second, passwords need to be changed regularly, such as once a year. The more you use your password, the greater your risk of theft.
Third, family members can be appropriately asked to assist with account security. For example, let them also open e-banking, check accounts, and have one more supervision; At the same time, they can also alert them in time if they encounter suspicious situations.
However, the account operation authority should be kept by yourself, not all to your children, which will affect the dominance of financial decision-making.
Through the above measures, the security of the account will be greatly improved, so as to effectively prevent the risk of password theft and transfer of funds. We hope that everyone will pay attention to this important matter and ensure that the savings of the elderly are truly safeguarded.
On the whole, middle-aged and elderly friends, everyone should pay special attention to these aspects: don't easily believe the financial products promoted by strangers, most of which are **; It is necessary to develop a good habit of regular audit and timely discovery of account problems; At the same time, it is also necessary to pay attention to the liquidity of funds and take precautions; Of course, the most important thing is the security management of the account itself.