If people do not pay attention to their own savings in old age, they purely regard savings as a child's play, purely joking with deposits. Therefore, when it comes to deposits, we have to be doubly sober.
1. It is recommended that the amount of deposits in the same bank should not exceed half a million, and so on, there are more than one bank.
If the deposit does not reach half a million, it is best to have one or two banks, to avoid the deposit is too scattered, so as not to even know which banks exist, let alone a hundred years later, the children go to the bank to withdraw money, after all, if the amount of deposit is not much, it is easy to be ignored. If the deposit exceeds half a million, the expedient is to have more than one bank, to know that the bank now has deposit insurance, the sum insured is only half a million, in order to avoid accidents, it is best not to be troublesome, or the deposit to half a million shares, divided into several parts, since the deposit reached half a million, the existence of a number of banks is still not easy to forget.
Second, the children shall be given the right to know as the case may be, and as for the right to control, they should not be handed over to the children until they are forced to do so.
Not handing over dominance to children in advance is not a distrust of children, but that human nature sometimes does not stand the test. In any case, as much property as there is left in the lifetime, the children can inherit how much inheritance their parents will inherit after a hundred years, so the children should not be in a hurry, let alone urge the parents. The reason why children have the right to know is because the right to know can avoid children from being in the dark, especially in case they lose their sober consciousness, or if they suddenly die, their children want to know the inside story, whether it is the specific bank where the money is stored, or the corresponding bank card matching the password, when the children go to the bank to withdraw money, even if they do not need the elderly at home to come forward, they can be unimpeded.
Third, the deposit should not be disposed of arbitrarily, the deposit is just in case of emergency, and the family's property should be taken out as a deposit.
Deposits can be disposed of as time deposits and demand deposits based on the relevant needs of individuals. Time deposits tend to be deposited for a longer period of time, the higher the interest rate, so predicting the use of funds in recent years, time deposits need to be reasonably planned and deposited into the estimated number of years. The use of deposit investment needs to think twice, after all, investment is risky, entering the market needs to be cautious, they have not considered well, they have not weighed in place, even if outsiders are clever or soft and hard, they must not be moved, they must be responsible for their own choices, but also responsible for their own deposits.
Conclusion: Savings are no small matter, so do not take it lightly, before and after death to strive for all aspects, should be worried about when you need to worry, people only as far as possible with foresight to resolve far-sighted, as far as possible to resolve near-term worries become a possibility.
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