In today’s society, it is very important to understand the calculation method of three insurances and one gold and its related regulations for personal financial planning.

First of all, let’s understand that "three insurances and one fund" usually include endowment insurance, medical insurance, unemployment insurance and housing accumulation fund.

The calculation of endowment insurance is usually based on the individual’s salary base and contribution ratio. Taking an area as an example, assuming that the salary base of an individual is 5,000 yuan and the contribution ratio is 8%, then the monthly pension insurance fee that an individual needs to pay is 5,000× 8% = 400 yuan.

The payment calculation of medical insurance is similar, and the general individual contribution ratio is 2%. If the salary base is still 5,000 yuan, the individual’s monthly medical insurance payment is 5,000× 2% = 100 yuan.

The contribution rate of unemployment insurance is relatively low, usually around 0.5%. According to the salary base of 5,000 yuan, the individual’s monthly unemployment insurance contribution is about 5,000× 0.5% = 25 yuan.

The contribution ratio of housing provident fund is between 5% and 12%. Assuming that the contribution ratio is 10% and the salary base is 5,000 yuan, the individual’s monthly contribution to housing provident fund is 5,000× 10% = 500 yuan.

The following is a simple table to summarize the above calculations:

These regulations have a direct impact on personal income. First of all, the three insurances and one gold paid by individuals will be directly deducted from the salary, resulting in a decrease in the actual salary. But in the long run, this part of the payment provides an important guarantee for the individual’s future.

The payment of endowment insurance ensures a stable pension income after retirement and guarantees the quality of life in old age. Medical insurance can reduce the burden of personal medical expenses when you are sick. Unemployment insurance can provide financial support for a certain period of time when unemployed. Housing provident fund helps individuals to enjoy lower loan interest rates or withdraw housing-related expenses when buying a house.

However, for some people with lower income, the higher proportion of three insurances and one gold payment may cause some pressure on the current life. However, from the perspective of overall social welfare and personal long-term interests, the system design of "three insurances and one fund" is to realize social equity and protect the basic rights and interests of individuals.

In short, a deep understanding of the calculation and regulations of three insurances and one fund will help individuals to plan their finances better and fully enjoy the benefits brought by social security.

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If I tell you that there is a big hotel, you can get a car worth 300,000 if you recharge 300,000 yuan, and you can come to have lunch for free every day. You can also help you clean the car and charge it fully without parking fees. Have you ever seen such a good thing?

In fact, the name of this hotel is "HarmonyOS Zhixing".

In the past two days, countless owners of HarmonyOS Zhixing shared their experiences of going to the 4S shop for dinner online. In the video, we can not only see the enthusiasm of the staff of HarmonyOS Zhixing, but also see the luxurious decoration and sumptuous meals in the store.

You know, in the past, it was very good for old customers to have a box lunch when they came to the traditional brand of fuel vehicles, and even some stores did not give meal coupons if they did not do maintenance in the store.

However, HarmonyOS Zhixing is different. No matter whether you come to the store for a test drive, buy a car or do maintenance projects, as long as you are their owner, you can have a free meal.

Moreover, what HarmonyOS Zhixing gave was not a box lunch, but a very rich dish. At present, the worst videos that have been shown by car owners are buffets with more than 10 dishes, and some shops can provide exquisite food for one person.

Even in order to provide users with a rich dining environment, some stores have private boxes, which is very outrageous.

After dinner, the comfortable sofa and massage chair in the shop can also be used casually, so it is very suitable to take a nap here.

When the car owner wakes up, the car has been washed and the electricity is full, so he just slaps his ass and leaves without paying a penny. Sales and security will also say, "Welcome to visit next time!" Is such a service a dream?

It is said that customers who haven’t recharged recently can also have a free meal, as long as they participate in the test drive in the store. But it is not recommended for everyone to go, because once a meal is eaten and slept, one can’t hold it, and hundreds of thousands will be gone.

Today is September 23, 2019, and there are still 99 days before the end of 2019.

After 99 days, the first batch of 90 born in 1990 will really be 30 years old.

Although this is only an age figure, it doesn’t really mean anything. However, in the face of such a ritualistic life intersection, the mentality of people born in 1990 facing many problems is still subtly changing.

It’s no wonder that there will be soul torture in Zhihu: What’s your status now, the first batch of post-90s students who are going to be in their third year?

Mature? Steady? Old? Lying flat to life?

People born in 1990 are giving their own answers with life.

Celebrate sb’s birthday

Stand a candle

People born in 1990 have had enough birthdays.

He doesn’t even love birthdays anymore. Facing the surprise party prepared by their friends, they worked hard to pretend to be surprised and happy. The moment they blew out the birthday candles, their wish was: Don’t scare me so much next year.

Yes, people born in 1990 have no feelings about birthdays. If there is, it can only be: Mom *, why am I one year older?

It’s time to refuel

chip in (to buy a gift)

Establish a new social outlook

People born in 1990 received a wedding invitation from Xiao Xiao-a link to an electronic photo album using H5 template.

Considering that I haven’t seen this young man for more than 9 years, people born in 1990 sent their wedding wishes through WeChat for the first time.

But I didn’t intend to follow the crowd.

wedding

Set up a vision for love

People born in 1990 have no travel arrangements for this National Day holiday. The three wedding invitations on October 2, 4 and 6 perfectly chopped up all their possibilities of traveling.

Usually, the female students who meet at weddings become beautiful, and the male students become fat; The study Committee member went to BAT to be a Guan Peisheng, with more contacts and less hair; The literary and art committee members are starting their own businesses from the media, and they tell everyone that we are in Tik Tok.

There are not many topics to talk about. It’s nothing more than Xiaoxue of "Family with Children" has recently made a new play. Have you heard about it? It’s so funny. Are you playing ANT FOREST? It’s the same meaning as stealing food in those days.

On the big screen, there is a micro-movie reviewing the process of new acquaintance. At this moment, the lights are dense and the background music is "Confession Balloon". People born in 1990 suddenly realized that even Jay Chou was the father of two children. Maybe I should find someone myself.

People born in 1990 used to scoff at love and marriage.

Buy a house

Liye anjia

People born in 1990 are considering buying a house.

This may be the biggest challenge they have faced so far, and it seems to be more like another advancement in life. He can find countless reasons and excuses for not buying a house, but he wants to have his own home-just like nature calling. The closer he is to 30 years old, the stronger the 90-year-old people feel about it.

People born in 1990 used to sneer at buying a house. My life is up to me, how can I be bound by a set of dozens of square meters of humble abode? What’s wrong with me if I have the money to buy a house?

But now, he has a second thought.

Wechat group sunbathing baby

Set up a person

Under the repeated ridicule of a group of WeChat public accounts, people born in 1990 finally learned to restrain themselves in the circle of friends and be presumptuous in small groups after becoming mothers. Never expose the baby easily.

However, there are only one or two groups that can make them licentious, with about three or four members. At first, everyone will respond enthusiastically: ah, ah, ah, ah, so cute, so fast. Unfortunately, in a few days, it became a state of no answer.

But people born in 1990 will stick to it. The friends in the group watched silently, not boasting, but not annoying.

For people born in 1990, this is a very noble friendship.

* Note: The story is also true if the above words "being a mother" are replaced by "having a kitten" and "publicly drying the baby" are replaced by "publicly drying the cat".

Brain theater before going to bed

Sleep at once

People born in 1990 once had a rich little theater in their brains before going to bed.

They will fantasize about becoming Kabuto, Harry Potter, Iron Man, ever-changing KINOMOTO SAKURA, or having a digital baby of their own.

But now, people born in 1990 have bid farewell to the small theater in the brain for a long time.

When they got home from work at twelve o’clock in the morning, they fell asleep.

buy insurance

Standing guarantee

People born in 1990 bought insurance for their parents last month under the help of Amway, a colleague.

If you don’t hurry, your parents can’t buy serious illness insurance after they are 60 years old.

People born in 1990 bought themselves a copy by the way.

Before they can’t afford a house, this is the only thing that can make them feel a little more practical.

New sideline

Set up a sideline

People born in 1990 placed an order for iPhone 11 Pro.

They have a good reason to buy: they need a better equipment to start shooting vlog. This is a "new sideline" they have planned for themselves. These days, the main business may not be strong, but there must be sideline business.

Oh, by the way, their last sideline was to be a part-time illustrator. The iPad Pro bought for this purpose is playing "Legend of Wulin" on the dining table at the moment.

MBA

New learning calendar

People born in 1990 made many new friends in the MBA class on weekends.

They chatted very speculatively, after all, they were all born after 90.

Office spine exercises

Stand up the cervical vertebra

People born in 1990 were sitting well at the workstation and suddenly began to write the word "dung" with their heads.

The post-1995 children in the company thought they were missing the feeling of disco dancing, while the post-1980 seniors knew that they just started doing office cervical gymnastics.

I learned it perfunctorily at the age of six and used it as a life-saving skill at the age of thirty, cervical gymnastics.

do textual research

Set new goals

People born in 1990 decided to start preparing for CPA(Certified Public Accountant), for which they have read all the relevant experience stickers in Zhihu.

Although in their hearts, they don’t even think they can really pass the exam.

But people born in 1990 still enjoy the process of applying for the exam. This makes them feel that they are still working hard.

predecessor

there’s no making without breaking

People born in 1990 have become desensitized to the word predecessor.

People born in 1990 can behave decently if they meet their predecessors by chance. They greet each other like acquaintances, as if they have evolved into another kind of middle-aged friendship.

On the last day of 2017, people born in 1990 watched movies with friends for the New Year’s Eve. There was almost only the film of "Former Three" in the cinema. They reluctantly entered the scene, and then found that their collarbone fossa was full of tears when the movie was over.

Is it a memory of your predecessor? Or do you mourn for your lost youth?

tears

An untenable tear

People born in 1990 have higher and higher tears.

The last meeting was scolded by the boss, and everyone could take it in stride. At best, it’s humiliating, at worst, it’s not afraid of being scalded.

But on Monday night, watching the MV of Say No to Cry, people born in 1990 still shed tears.

They didn’t think the song was beautiful either, but why did they cry?

idol

The "power" of idols

People born in 1990 don’t talk about it, but in fact they don’t understand how children are so obsessed with Sean Xiao, YiBo and Li Xian.

This may be because they have a bad memory. They were pretty good when they chased Super Junior.

Han Geng was so handsome.

Plain is true.

Learn to be independent

People born in 1990 no longer think about where to eat midnight snack after work, but honestly go to fitness to continue their lives; Instead of going to disco to sing K with friends on weekends, I read books and do housework to spend a more normal day than working days.

Yes, this group of the earliest post-90s have already started to like doing housework. Cooking for yourself is too lazy to take photos and send friends. Wiping the table and mopping the floor, ironing clothes and cleaning cat hair, I don’t know when it started, these trivial things have brought them more satisfaction than friends’ compliments and politeness.

It is said that the nightclubs have been occupied by the post-00 generation, and people born in 1990 will not have any waves in their hearts.

Plain is true-it’s not just the mentality, but also the pace of life.

The first batch of post-90 s people are almost a group of people who have been concerned and consumed the most by social media in recent years:

The first batch of 90′ s is already cold.

The first batch of post-90s stomachs have collapsed.

The first batch of post-90 s have been divorced.

The first batch was bald after 90.

The first batch of 90-year-olds have become monks.

The first batch of post-90 s has been secularized.

……

I have been written so much that the first batch of post-90 s don’t even know what I am.

Just like at the moment, when they are about to enter the "thirty-year-old", they are inevitably at a loss: Have I really stood still?

That’s why there is such a hot question on Zhihu: "Have you really realized that you are standing at 30?"? However, there is no standard answer to this question, and everyone can only answer it himself.

Fortunately, when people born in 1990 began to seriously think about "standing at 30", they were already on the road to "standing".

But remember, even so, don’t rashly classify the post-90 s as middle-aged people. Middle age has never been a concept only related to age. Who’s not a cutie yet?

You after 90.

How do you plan to meet the upcoming 30 years old?

Tell us about it in the message area.

Planning: GQ laboratory

Producer: Rocco

Editor: Rabbit

Written by: S, Piaojuanjun, Xiao Wang, e+, Rabbit

Illustration: Chinese yam medicine

Vision: aube

Read the original text

　　Yesterday, the State Council held a press conference, and Sheng Laiyun, deputy director of the National Bureau of Statistics, was invited to introduce the national economy in the first three quarters of 2023.

　　At the meeting, he disclosed data showing that, according to preliminary accounting, the gross domestic product in the first three quarters was 91,302.7 billion yuan, with a year-on-year increase of 5.2% at constant prices. "Overall, the national economy continued to recover in the first three quarters. However, we must also see that the economic recovery still needs to be consolidated. "

　　The contribution rate of consumption expenditure to economic growth is 83.2%

　　Sheng Laiyun said that in the first three quarters, the national economy continued to recover and steadily advanced to good and high-quality development.

　　According to preliminary accounting, the GDP in the first three quarters was 91,302.7 billion yuan, with a year-on-year increase of 5.2% at constant prices. Quarterly, GDP increased by 4.5% in the first quarter, 6.3% in the second quarter and 4.9% in the third quarter. From the ring comparison, the GDP in the third quarter increased by 1.3%.

　　Among them, in the first three quarters, the added value of industrial enterprises above designated size increased by 4.0% year-on-year, 0.2 percentage points faster than that in the first half of the year. From January to August, the total profits of industrial enterprises above designated size nationwide decreased by 11.7% year-on-year, which was 5.1 percentage points narrower than that in the first half of the year. In the first three quarters, the added value of service industry increased by 6.0% year-on-year.

　　In the first three quarters, the total retail sales of social consumer goods was 34,210.7 billion yuan, a year-on-year increase of 6.8%. In September, the total retail sales of social consumer goods increased by 5.5% year-on-year, 0.9 percentage points faster than the previous month, and the growth rate accelerated for two consecutive months. In addition, in the first three quarters, the national consumer price (CPI) rose by 0.4% year on year.

　　As for the "troika" of economic growth, he explained that the contribution rate of final consumption expenditure to economic growth in the first three quarters was 83.2%, driving GDP growth by 4.4 percentage points; The contribution rate of total capital formation to economic growth is 29.8%, which drives GDP growth by 1.6 percentage points; The contribution rate of import and export of goods and services to economic growth is -13.0%, which pulls down GDP by 0.7 percentage points.

　　Imports and exports to countries that jointly built the "Belt and Road" increased by 3.1%

　　Regarding the investment situation, Sheng Laiyun said that in the first three quarters, the national fixed assets investment (excluding farmers) was 375.035 billion yuan, a year-on-year increase of 3.1%; After deducting the price factor, it increased by 6.0% year-on-year. Among them, investment in real estate development decreased by 9.1%. The national commercial housing sales area was 848.06 million square meters, down 7.5% year-on-year; The sales of commercial housing reached 8,907 billion yuan, down 4.6%.

　　In view of the development of the real estate industry, Sheng Laiyun emphasized that from 2003 to 2020, China’s real estate continued to maintain a high-speed growth, which made important contributions to the high-speed growth and medium-high-speed growth of China’s economy in that period. However, real estate, like other industries, can’t keep high growth continuously, and it’s normal to make adjustments. This adjustment is conducive to eliminating backward production capacity, structural optimization, and especially to the high-quality development of the real estate industry. The sustained and high-quality development of real estate still has strong support. Judging from the development stage of China, we are still in the stage of economic transformation and upgrading and high-quality development, and our rigid demand and improvement demand are still relatively large.

　　Regarding the import and export situation, Sheng Laiyun said that in the first three quarters, the total import and export volume of goods was 308.021 billion yuan, down 0.2% year-on-year. Among them, the export was 176025 billion yuan, an increase of 0.6%; Imports reached 13,199.6 billion yuan, down 1.2%. Imports and exports offset each other, with a trade surplus of 4,402.9 billion yuan. Among them, the import and export of countries that jointly built the "Belt and Road" increased by 3.1%, accounting for 46.5% of the total import and export.

　　The improvement of population quality provides guarantee for high-quality development

　　The data shows that in the first three quarters, the national urban survey unemployment rate averaged 5.3%. In September, the national urban survey unemployment rate was 5.0%, down 0.2 percentage points from the previous month, falling for two consecutive months. In the first three quarters, the per capita disposable income of national residents was 29,398 yuan, a nominal increase of 6.3% year-on-year; After deducting the price factor, it actually increased by 5.9%.

　　On the issue of population, he also responded that the total population grew negatively for the first time last year, but our total population is still relatively large, especially the working-age population is nearly 900 million.

　　In addition, the quality of the population is really improving now. "According to the latest data, the average length of education of the working-age population has reached 10.93 years, nearly 11 years. Although the population has declined, the quality of our population has improved faster, which provides a good resource guarantee for the high-quality development of China’s economy. "

　　Text/Reporter Yan Li Coordinator/Xu Feng

　　Photo courtesy/vision china

　　analyse

　　I am very confident in achieving the expected goal for the whole year.

　　As for the economic performance in the first three quarters, Sheng Laiyun explained that the overall recovery continued to improve, especially from the situation in the third quarter, and the overall recovery of economic recovery became more obvious.

　　He said that GDP grew by 4.9% in the third quarter, which was slower than the year-on-year growth rate in the second quarter, mainly because of the rise of the comparative base last year. In terms of chain growth rate, it increased by 1.3% in the third quarter of this year, 0.8 percentage points faster than that in the second quarter, and the growth continued to recover. "This growth rate is among the best in major international economies, both year-on-year growth rate and cumulative growth rate in the first three quarters."

　　He also mentioned that foreign trade was better than expected. Judging from the actual operation, the decline in the third quarter was significantly narrowed, which was better than expected, which provided important support for the stable recovery of the economy. In addition, during the Mid-Autumn Festival and National Day holidays just past, both the number of people traveling, tourism consumption, accommodation and catering income data maintained a strong growth momentum, which showed that the activity of China’s economic market increased and the potential and vitality of market consumption were highlighted.

　　He also disclosed that according to our preliminary calculation, if we want to achieve the expected target for the whole year, as long as it increases by more than 4.4% in the fourth quarter, we can guarantee to achieve the expected target of about 5% for the whole year. "From this perspective, we are very confident in achieving the expected goals for the whole year."