Mr. Zhang, a hard-working office worker, was snuggled up on his couch at home on an ordinary weekend night, bored watching the news on TV. Suddenly, an eye-catching headline caught his attention: "People's savings are now being monitored! Expert: Only by hoarding more cash and putting it at home can you save your life."
Seeing this thought-provoking report, Mr. Zhang couldn't help frowning and showing confusion. As an office worker who earns only a few thousand yuan a month, he keeps most of his income in a bank account for his daily expenses.
An inexplicable worry and panic began to spread in Mr. Zhang's heart. He feared that his hard-earned money would be threatened and violated, which made him feel helpless like never before.
He recalls a time when he was cheated out of a large amount of his savings by telecom fraudsters, and since then he has been apprehensive about online financial transactions.
The uneasiness caused by the report reminded Mr. Zhang of a heart-wrenching incident that happened to him a few years ago. It was a sunny morning when a call from someone claiming to be an ICBC customer service person said he needed to verify his account information.
At that time, Mr. Zhang was cautious and never had any doubts about the requirements of the bank staff and cooperated 100% with them. As a result, he was easily deceived by the scammer and reported his bank card number, password and verification code.
After hanging up, Mr. Cheung was relieved that it was just a routine job of the bank and did not doubt it. Unexpectedly, just a few hours later, he found that all his savings of hundreds of thousands of yuan were left in an instant.
It was a well-trained telecom fraud gang that took advantage of the situation and stole all his savings.
Although Mr. Zhang immediately called the police, it was too late, and the banknotes had already disappeared in the blink of an eye. This experience of being deceived was like a hammer, which severely shattered all his trust in online financial transactions.
He began to re-examine the way he finances his finances, weighing the pros and cons of saving online and offline.
After reading the shocking report, Mr. Zhang sat on the sofa in silence and began to reflect on his current financial management methods. As an ordinary office worker with an income of only a few thousand yuan per month, most of his money is distributed and stored through bank salary cards, and his daily living expenses are basically paid by mobile phones.
I have to admit that online payment has brought great convenience to our lives, and with just one click, consumer payment can be completed quickly.
But with that comes a worrying security hazard.
Mr. Zhang has a deep understanding of this. The painful past of being cheated out of all his savings a few years ago still haunts him to this day. Now when he hears reports that his deposits are being monitored, he has mixed feelings in his heart, and he can't tell whether it is a sense of security or a threat.
However, the report also explains why banks are "monitoring deposits". It turns out that this is to ensure the security of every transaction and prevent criminals from taking advantage of loopholes and stealing other people's deposits.
Despite this explanation, Mr. Zhang still has a hard time completely letting go of his doubts.
As he frets, the report's expert advice sounded that ordinary people should save more cash as a "last resort." This immediately gave Mr. Zhang a glimmer of life.
Cash is obviously safer and more secure than depositing money online. First, the cash cannot be stolen by hackers or scammers; Second, even if you need money for an emergency, you can use it if you have cash on hand. In addition, the current environment is too risky, and the returns of investment and wealth management products fluctuate violently, which can easily fall to zero at one time, while cash can completely avoid this risk.
Thinking of this, Mr. Zhang's doubts seem to have been resolved: from now on, I must save some cash as a "cash reserve" for my family.
Even if the online deposit is accidentally stolen or other unexpected situations occur in the future, we still have this cash to spare, so as to maximize the quality of life of the whole family.
In this way, early the next morning, Mr. Zhang immediately went to the bank branch and withdrew a sum of cash from his current passbook account. Back at home, he scrutinized all the nooks and crannies of the house where cash could be stored, looking for a safe and hidden place.
Eventually, he opted to convert some of his funds into cash storage to reduce his risk exposure. But in the process of implementation, he also encountered some problems with the storage environment and reserves.
After much deliberation, Mr. Cheung finally made up his mind to diversify his risk by converting about one-fifth of his savings into cash. But how to store this cash has put him in a new trouble.
The first is the choice of storage environment. Mr. Zhang carefully inspected all the possible places in the house where the money could be hidden, such as drawers, hidden compartments, cabinet compartments, etc., but there were some hidden dangers everywhere, either damp or easy to find.
He immediately realized that the place where he would save his money had to be carefully chosen, one that was safe and unobtrusive.
Soon, he had his sights locked on the safe at home. Not only is this device highly burglar-resistant, but it also has a good airtightness, which seems to be the most suitable choice for storing cash.
Mr. Zhang carefully packed the thick wad of banknotes into the safe, and locked the safe itself into the large wardrobe in the bedroom, making all preparations for the accident.
Although the storage problem was temporarily solved, Mr. Zhang soon fell into a new dilemma: how much cash should be stored? If the amount of cash stored is too much, there will inevitably be a risk of theft; However, if the cash stored is too small, it will be powerless in the event of an unexpected situation and need to turn over.
For this question, Mr. Zhang consulted some friends around him and also borrowed some suggestions from the Internet. Some people say that saving tens of thousands is enough, and some people say that it takes at least two or three hundred thousand to be enough.
Mr. Zhang was puzzled, and there were different opinions, which was really dazzling.
After much deliberation, he finally decided to take out this amount of cash from the bank deposit and store it in a safe at home, which was neither too much nor too little, based on the total expenses of the family for three to five months, just as an emergency fund.
In this way, after some twists and turns, Mr. Zhang finally solved the matter of family cash storage. However, he is also aware of the limitations of this approach: although he has cash reserves, the amount of his bank deposit has also been reduced accordingly, which may have some impact on some future investment and financial plans.
However, compared with the safety of the family's life, this sacrifice is not hesitated.
He began to reflect on the rapid development of society and financial risks, and how to improve personal awareness of risk prevention.
After all these twists and turns, Mr. Zhang finally bought a "cash reserve" for his family. Although he solved his immediate worries, his heart did not completely calm down.
As an ordinary office worker, Mr. Zhang began to reflect on the risks and challenges brought to people by the rapid development of society. The rapid progress of science and technology has brought about earth-shaking changes in people's lifestyles.
Financial innovations such as online payment have undoubtedly brought great convenience to everyone's lives, but at the same time, it has also buried the hidden danger of "fund security" for those who are simple-minded.
"Well, if I had been as cautious as I am now, I might not have fallen for those liars. "Every time I think of the experience of being deceived a few years ago, Mr. Zhang is extremely annoyed.
Nowadays, everyone can see that with the rise of the black industry, the society is full of traps of telecom fraud, and if you are still as naïve and blind as before, you will be in danger of being swept away at any time.
In addition to telecom fraud, Mr. Zhang also reflected on the high-risk nature of current investments. The report is right, the yield fluctuation of wealth management products is too large, and no one can predict whether tomorrow will be prosperous or declining.
What's more, ordinary people lack professional knowledge of financial investment, and it is easy to be deceived if they blindly follow the trend, and one mistake will become hatred for thousands of years.
"Yes, money is hard-earned, and you must not be able to take rice and tiger skins. Thinking of this, Mr. Zhang couldn't help but tell himself: "In the future, in terms of investment and financial management, you must be extra cautious and think twice."
Our family's 'cash reserves' are the last straw that cannot be lost at any time.
From this experience, Mr. Zhang realized the importance of personal financial awareness.
Today's society is full of risks and uncertainties, and only by staying vigilant at all times can you avoid losing your money.
He secretly made up his mind that no matter what investment he made, he would ensure the safety of the cash reserve at home, and never allow another regret of being cheated.