104 - 13789 107a Avenue

Surrey, Whalley

• 1 Bed
• 1 Bath
• 544 sqft

$298,000

Added 5 days ago

Type

Apartment/Condo

Style

1 Storey

Size

544 sqft

Year Built

2010

Pets

Contact Us

Taxes

$907 /yr

Strata Fees

$267 /mo

Walk Score

81

MLS®#

R2349460

Days on Site

5

Listed By

Pospischil Realty Group

Last Checked

13 minutes ago

Last Updated

19 hours ago

Added to Zolo

Mar 18, 2019

217 - 10221 133A St

$279,900

Est. Mortgage $1269.71/mo  

1 bed|1 bath|678 sqft|condo

Date Listed: Tue, Mar 19, 2019

Property Tax: $973 (2018)

Property Description

INVESTOR ALERT: A conveniently located and RENTABLE 1 bed, 1 bath (678 sf) condo in Whalley one block away from SFU Surrey campus. An efficient and cozy floor plan that comes with 1 parking and 1 locker. It is situated close to shopping, recreation, restaurants, parks, schools, services, and transit. It is within walking distance to Surrey Central Skytrain Station, Surrey City Hall, and Surrey Public Library. Pets are not allowed and rentals are allowed. 2 open houses Sat Mar 23 from 1:30-2:30 pm & Sun Mar 24 from 2:30-3:30 pm.

Details

Property Type: Condo

Property Tax: $973 (2018)

Fees: $216

Last Updated: Thu, March 21, 2019

Community: Whalley

Title: Freehold Strata

Top Investing Lessons You Need To Learn From Warren Buffet

Here is the link.

2:12/ 33:08
Lesson 1:
Do not let short term swing to affect your decision making.


Buy good stuff, do not pay much

Risk tolerance, risk capacity

Rational people do not risk what they have to get what they do not need.

Investing Won't Make You Rich (Probably)

Here is the link.

Investment will not make your rich

Point #1
You need money to

SpectremGroup value of the investor

Point #2

S&P500
9.8% last 10 years

For example, 10,000 dollars to invest, 9.8% return, it will take 51 years to get a million dollars. If you start from 15 years, you will get 66 years old.

$10,000 dollar invest, get 1 million in 10 years, annual return ~59%; you need to get those picks to get high return.

Point #3

6:44/ 13:47
Dalbar
S&P500: 7.68%
    Funds: 4.79%

7:25/ 13:47
Dalbar analyzed three factors:
- Capital not available to invest
- Capital needed for other purposes
- Psychological factors

Retention rate:
3.8 years

Loss aversion bias:
we worry about losing more money when price goes down.

Anchoring bias

Herding
Follow the decisions of other people

Regret aversion

11:30/ 13:47
Program educated or simple strategy

Rules of Wealth: 5 Personal Finance Fundamentals for Building Wealth From Scratch

Here is the link.

Fundamental #3:

Live frugally, not cheap

. Maximize Every dollar: What are they worth to you?
- Needs v. Wants
- Quality v. Quantity
- Spend from your abundance, not your first fruits

. 10 Second Rule: Do you really need it?
. Decide strategically what you love and what you don't and spend accordingly

. This is how the Wealthy are able to happily live below their means with a mountain of cash in the bank

Fundamental #4:

Manage your money

. Use your GAP MONEY to buy assets that will build a stable future for you and your family. But first...
- Pay off ALL high interest debt
- Build an emergency fund up to $1,000
- Pay off All debts
- Bump emergency fund up to $5,000
- Use your GAP MONEY to invest in assets that pay you now for retirement, kids college, major purchases, etc.

Key monthly activities
- analyze your data for improvement
- Monitor your credit scores & credit report

Making these activities a priority will help you end each month with more cash and less stress

Fundamental #5:

Control your destiny
. The game of wealth is not about being rich, it's all about FREEDOM!
- Not being beholden to others
- Be in a position to call the shots

It takes a lot of time, effort, money, confidence and drive to climb to the top of the financial mountain, but the air up there is the best there is!

Weekly contest progress report

March 21, 2019

Introduction

It is my favorite weekly contest on Leetcode.com. I also learn a few things after 24 contests since last September. I like to write down a progress report to show my progress.

Progress report

Last week I played weekly contest 128. This is the first time I experienced something new. I chose to study those top ranking 195 players and their solution to solve Leetcode 1015 hard level algorithm.

It is hard for me to learn so many ideas to solve the problem in a few hours. But after two days study, I started to break through and learn how to solve the algorithm from top five players first.

Top ranking 15 players uses less than 30 minutes to solve all four algorithms. The fact just reminds me to stay humble and continue to push myself to learn.

I also review top player's code and see what I should learn from those top performers in the world.

25 Habits of Frugal People

Here is the link.

7 Daily Frugal Habits That Save a LOT of Money

Here is the link.

6 habits of successful investors

Here is the link.

Consumer vs. Investor Mindset

Here is the link.

The difference is the same between the rich & poor. The rich think long-term and the poor think about the next day. Hence, living paycheck to paycheck.

When you are thinking long-term the first realization is this asset (iPhone) will not provide a monetary Return On Investment (ROI). Preferably the next thought that races in are the money spent on the iPhone could be better invested elsewhere. 

Hopefully, you are starting to see the bigger picture on the differences of a consumer & investor thought process. When you adopt the investor mindset you literally start analyzing every extra purchase. Not just with the new iPhone but other consumer products as well. Consider the larger purchases you will have later in life such as a vehicle or home. I have seen people purchase past beyond their means which limits your investing power by thousands of dollars in a lifetime.

How to Tell If You're Cheap or Frugal

Here is the link.

20 habits of frugal people

Here is the link.

1. Frugal people prepare food from scratch.
2. Frugal people always have a meal plan.
3. Frugal people use every drop.
4. Frugal people shop second-hand
5. Frugal people value quality and reliability.
6. Frugal people repair before replacing. 
7. Frugal people are low maintenance. 
8. Frugal people stay home. 
9. Frugal people take advantage of community resources.
10. Frugal people live in smaller houses. 
11. Frugal people have like-minded friends.
12. Frugal people are always learning about money. 
13. Frugal people think long-term.
14. Frugal people live within their means. 
15. Frugal people give their children less stuff.
16. Frugal people do low-cost exercise. 
17. Frugal people don't feel a need to upgrade technology.
18. Frugal people never buy new cars. 
19.  Frugal people buy in bulk. 
20. Frugal people are less stressed. 

How to Create Passive Income - Rich Dad Poor Dad by Robert Kiyosaki Animated

Here is the link.

Hay fever sufferings second year

March 19, 2019

Introduction

I started to experience the sufferings of hay fever again more than one week ago. Last night, my eye was so itching, I could not stopping rubbing, and so many problems and I could not tell what is going on. I believe that I start to have a hay fever again in second year.

Learn hay fever

I need to document my experience and figure out how I can learn from the experience.

1015. Numbers With Repeated Digits (series 4 out of 4)

1015. Numbers With Repeated Digits (series 3 out of 4)

1015. Numbers With Repeated Digits (series 2 out of 4)

I chose to study rank No. 1 player's code in weekly contest 128, here is the discussion post I shared.

How Much Is $1 Worth To YOU? | The True Value of Money

Here is the link.

Here's how Jay Leno refuses to spend his money

Here is the link.

What Can Jay Leno Teach Us About Money?

Here is the link.

Why Real Estate Builds Wealth More Consistently Than Other Asset Classes

Here is the link.

Why Budgeting (Almost) Always Fails (And How to Make It Work For You | What Budgeting Teaches Us

Here is the link.

1015. Numbers With Repeated Digits (series 1 out of 4)

March 19, 2019

Introduction

It is a hard level algorithm. What I did is to learn as many ideas as possible. One thing I did is to read weekly contest 128 top 50 players and their code to solve this hard problem.

Top 50 players

Here is the link.

I will write down a few ideas based on top 50 players and the solutions written by them.

Ranking No. 13

VladaMG98

It is so challenging for me to work on hard level algorithm in the weekly contest. What I can do is to study top 195 players and quickly go over all the solutions.

I have to push myself to learn how to write a solution, as simple as possible. Sometimes it is hard for me to write a dynamic programming solution, and there are so many ideas to write one. I just could not belived that I could not come out one simple idea.

I wrote a depth first search solution with backtracking based on rankng No. 13's code. Here is C# code, right now there is an time limit exceeded issue.

Follow up

March 21, 2019

Here is the solution I wrote which passes online judge.

The Budget That Pays You First | Reverse Budgeting For Beginners

Here is the link.

How to Make Your Budget Automatic | The No-Budget Budget Explained

Here is the link.

9940 151 STREET, Surrey, British Columbia

$269,000 CAD

$1,100/moGet Mortgage

Get your credit report & score

• 1 Beds
 
• 1 Baths
 
• 800 Sqft

Property Type

Condo

MLS® Number

R2349015

Year Built

1994

Date Added

16 March 2019

Stories

1

Basement

None

Location

Neighborhood

Guildford

Postal Code

V3R0V3

Description for 9940 151 STREET

Westchester Place featuring 800 sqft condo with 1 bedroom, 1 bathroom, gas fireplace, insuite laundry on quiet side of building. In need of total renovations. Excellent location close to Guildford Mall, transit and T & T market. 2 dogs, 2 cats or 1 each allowed (dogs max 20 lb). * PREC - Personal Real Estate Corporation (id:1937)

View Less

Bing and React on Amazon Tablets

Here is the link.

Broke window and theft inside my car

March 18, 2019

Introduction

It is my normal working Monday. I walked to my car and then I found my back rear window was broken last night.

Facts and actions

I left some clothes in front door guest seat. Some one broke the window and then took the clothes. Also the drawers are opened and all kinds of things were search in the front seat.

I talked to my landlord, and also talked to my neighbor. My neighbor told me that this morning 4:20 am he heard something and he opened the curtain and took a look.

There is a camera in front of the house, maybe there is a video clip for the theft.

I called rapid auto glass and then in one hour they will pick up the car to repair the glass, and it will take four to five hours to repair.

203 13507 96 AVENUE Surrey, British Columbia

Here is the link.

Description

FIRST TIME HOME BUYER ALERT! This bright and spacious 1 bed 1 bath condo is centrally located in the heart of Queens Mary Park Surrey. The kitchen and dinning room opens up to the oversized living room with gas fireplace and is connected to a covered south facing balcony, the perfect place to pass the time while enjoying your favorite book. When it's time to call it a night you'll be able to rest easy in your oversized master bedroom with his and hers closets. This unit comes with 1 secure underground parking stall and 1 storage locker. Walking distance to restaurants, shopping, buses, schools, the Sky Train and even SFU! Open House Sunday March 17 2-4 PM

Property Summary

Property Type

Single Family

Building Type

Apartment

Storeys

1

Title

Unknown

Land Size

0 x 0

Built in

1982

Annual Property Taxes

$1,002.61 (2018)

How To Spot The Stock Market's Trend Before It Is Obvious To All

Here is the link.

The Deadly Trading Bias Affecting Stock Market Traders

Here is the link.

Dollar Cost Averaging - wise or unwise?

I like to read more articles so that I can learn more about basics related to stock market, investment, and I like to avoid emotional purchase.

Interview: Peter Thornhill - Investing expert

Here is the article to read. I plan to read it and spend 30 minutes to study. Now it is 10:07 PM, I will finish it in another 30 minutes.

The serious stuff really started in 1988 when we came back to Australia and one year after the 87 crash standing in front of people telling them how attractive shares were really didn't get a good reception, but it forced me to re-examine everything I had taken for granted about share speculation whilst I was in England, because I was being told that I was wrong - that you don't buy shares for income, that they're terribly risky etc.

But I discovered on further examination that I was actually right - income is king - and that was the thing that really really spurred me on to invest heavily. From that point onwards, it was just a matter of saving, investing, using debt effectively and – yes – it has totally transformed our lives.

Sell on ebay.com

March 17, 2019

Introduction

It is my personal finance research. I have to figure out how to be a minimalist, and I have to learn how to sell clothes I bought last 7 years on ebay.com.

首页产业分析评论投资正文 斯坦福毕业生遭硅谷争抢：高薪就业OR自主创业

Here is the link. Here is the article in English.

Rafael Cosman: 钱够花就行

　　Rafael Cosman

　　两年以前，来自斯坦福的大四学生Rafael Cosman进入Palantir实习。Palantir是一家神秘的大数据公司，它受雇于中央情报局和一些其他机构。

　　这是一个令人印象深刻的实习。该公司每月给实习生提供约7000美元的薪水。

　　但是当Cosman第一次来到Palantir的时候，他并不是非常满意。他发现很多富有才华的实习生在做一些枯燥的项目。

　　Cosman不愿接受这样的工作。

　　Cosman说：“我对我的大学导师说，Palantir只会给我做一些乏味的项目。但是我不甘如此。你可以给我几周时间去寻找更具挑战性的工作吗？”

　　Cosman的导师同意了他的请求。“我真的很感谢我的导师。”Cosman说。

　　最终Cosman选择了一个四人的团队。这个团队的工作是利用机器学习（machine learning）的方法预测犯罪。

　　Cosman表示这样的工作确实非常的“刺激、有趣”。但是他还是离开了Palantir，并且也不愿再在大公司上班。

　　“Palantir是一家非常强大的科技公司，拥有很多科技人才。他们中的一部分在研究有趣的问题。然而大多数人在做一些琐事，修改UI什么的。有些事即使你不想去做，你也别无选择。”

　　一年之后，Cosman和一些大学同学在一家初创公司工作。这家公司主要开发教育类游戏——“太空版的我的世界（MineCraft）.”Cosman对计算机教育非常感兴趣，因此对于他来说这份工作充满了意义。他认为这款游戏妙就妙在它可以让玩家学习到制造宇宙飞船的知识。

　　后来，Cosman意识到他的上级的关注不在教育类游戏，而是在普通游戏的开发上。因此Cosman选择辞职。

　　Cosman说：“违背自己初衷的工作真的做不得。”

　　Ultimately, Cosman decided that the for-profit tech world wasn’t for him.

　　最终，Cosman得出结论：以营利为目的的科技行业不适合他。

　　在过去的一年里，Cosman的大部分时间在东帕罗奥图的一家名为“Street Code Academy”的非盈利性科技学校兼职。最近，这家学校决定在Cosman毕业后留用他。

　　东帕罗奥图邻近帕罗奥图，但是相对贫穷。受海湾地区影响，东帕罗奥图的房价也开始攀升。Cosman说这种变化迫使部分较为贫困的西班牙裔和黑人家庭离开他们的家园。他将这种情况归咎于科技行业。

　　Cosman讽刺道：“只有像Facebook的白人员工这类人才能在东帕罗奥图买得起房子。”

　　Cosman告诉我们“Street Code Academy”的宗旨就是教会当地的孩子如何编序。这样他们才能就职于科技行业。只有这样，他们才能支付得起东帕罗奥图的房租，才能改善生活。

　　如果Cosman选择在Palantir或者其他科技公司工作，也许他一毕业便可获得每年12.5万美元的待遇。

　　Cosman还不知道“Street Code Academy”能够给他多少薪水，他也并不在乎。他说：“我的薪水够用就好。食能裹腹，衣能裹体，还有什么不满足的呢？挣钱并不是我想做的事情。”

This Guy Turned $20K Into $2 Million (You Can, Too)

Here is the link.

My Top 4 Recommended Money & Finance Books || SugarMamma.TV

Here is the link.

Top 4 Biggest Financial Confidence Crushers And How To Squash Them! || SugarMamma.TV

Here is the link.

Motivated money: You've invested well? Compared to what?

March 17, 2018

The book is written by Peter Thornhill. Here is the interview. Here is the web page with one page of introduction Peter Thornhill.

After seeing how most speculators worked, he rejected their philosophy and taught himself what he calls the "right way to invest" - buying equities and closed ended investment trusts for dividend income rather than for capital appreciation.

And the results are awesome! Having started to invest seriously in 1988, his portfolio is now worth in excess of AU $8 million (US $6 million), and through all that, he has raised a family and educated all his children privately.

How To Break Through Mental Poverty! || SugarMamma.TV

Here is the link.

My 5 Golden Rules for Wealth & Happiness || SugarMamma.TV

Here is the link.

Inside My Finances...sharing with you, what I do... || SugarMamma.TV

Here is the link.

How a Strong Rate of Return Can Make You Millions!

Here is the link.

30:00/ 42:42
risk tolerance
risk capacity

Is Your Thinking Keeping You Poor? Radio Interview with Douglas Kruger

Here is the link.

Want to be Wealthy? Here are 6 Challenges

Here is the link.

Debate is important.
Economy is changing. Wealth people discuss in the dinner table.

You have to own the thing you sell.

99%   1%
Reading statistics - book store, less than 1% to read the book.

You CAN Escape Poverty! Do these 2 things

Here is the link.

You do not have basic entry level job. Grinding poverty. The world is closing to you.

Always two things you should do. Faithfully and long enough.

1. Divorce the link between hours and the pay you work.

Principles
1. Raise your personal value
2. Repay 'trust' with 'Excellence'

Joseph example, sold as a slave, ...

Actionable Items

Compared to my six months ago notes, I like to figure out if I can understand better on this topic.

douglas kruger

Here is the page I like to watch quickly.

How To Escape Poverty - 'Is Your Thinking Keeping You Poor?' - Professional Speaker Douglas Kruger

Here is the link.

9:10/ 44:56
The wheelbarrow way

11:18/ 44:56
What our families taught us about wealth
work hard, play it safe, be like everyone else

#1 Resent the wealth  15:10/ 44:56
#2 Love of money is the root of some evils

Money is root of all the evil - not true
Money is not embarrassing - not true
All of the rules of money

#3 Money is not finite
#4 Inspired ideas
#5
#6
#7
#8 Risk

Risk is new safe.
Risk aversion and ...
They give them permission to fail.

7 Mentalities That Will Keep You POOR | The Poor Mentality Trap

Here is the link.

Wealth is not about the money
   It's about mentality

Three ways to develop the blueprint

#1 Verbal

Money is the root of all evil
I can't afford it
Rich people are greedy

They just want all the money
You just need enough money to be stable

#2 Through modelling

Through parents or people around.

#3 Through your own experiences

Dive deep into mentalities ...

#1
Creating a life vs. Life happening to me

2017 $73 billion ticket -> adopt responsibility to others
You are responsible for your wealth

3 traits to spot when someone does not have control over their financial life

  1.1 Blame
  1.2 Justifying
        Money is not important
        He is only rich because...

        I'm Always right
  1.3 Complain
        Negativity attracts negativity

#2 Playing on Defense

     Play to win!
     When he went to his first bodydbuilding...

#3
Interest vs. Commitment

Of course who would't?
Will you be rich?

Do you have mixed emotion to be rich?

#4 Getting jealous instead of motivated by the rich
The rich are the worst. They just take advantage of people.
Have you ever resent some one? why?

#5
Expecting to get paid based on efforts instead of results

The maximum amount of value to maximum amount of people using minimum time and efforts

300 HOURS  vs 20 Hours
What can you do right now to increase you can deliver

#6
Thinking you know everything

Constantly learn and figure out 

#7
Thinking you can do everything

10:52/ 11:10

Poor mentalities
That stop your financial growth are:

#1. Being reactive instead of being proactive
#2. Living life on defense instead of offense
#3. Being interested instead of being committed
#4. Getting jealous instead of motivated by the rich.
#5. Expecting to get paid based on efforts instead of results
#6. Thinking you know everything
#7. Not asking for the help

拔牙后多长时间可以装假牙

拔牙后伤口的完全愈合需要两个过程：软组织的愈合和牙槽骨的愈合。牙龈的愈合一般需要7天左右；而牙槽骨的愈合需要经历血块的形成、血块的机化、骨组织的修复、牙槽骨的改建几个过程，大约需两三个月；由于人的牙齿前后牙的牙根数及牙根长度不同，因此牙槽窝长平的时间也就不完全一致。一般说来，前牙伤口长得快，后牙因呈多根牙，故常需60～90天才能长好，所以此时为镶牙好时机。

452-The Rule of 72

Here is the link.

What I learn to save $50,000 Canadian dollars in savings

March 16, 2019

Introduction

It is my personal finance research. I started the research starting from Nov. 2018, and then I start to work on real estate research in Vancouver area. I like to ask myself what I should do in terms of time horizon and risk evaluation.

Time concerns

I have limit time in terms of managing projects. I have a full time job, and then a rental property in Florida to manage. If I purchase a condo in the city of Surrey, then I also risk a few things.

This is the first time in my life that I can save over $50,000 Canadian dollars in my saving account. I have to learn to cut off every expense, and just work full time as a programmer, and weekend and evening personal finance research.

Lessons learned

I did personal finance research. It is not easy for me to learn to be a frugal person. I have to push myself to learn more how to be a frugal person.

Amazon's HQ2 Decision Won't Impact NYC Real Estate, Redfin's Fairweather Says

Here is the link.

Case study: four extracted molar teeth

March 16, 2019

Introduction

It is my short research, I extracted four molar teeth right side, and then I like to do a short research to help myself understand why I should keep those teeth or not.

Understanding the function of molar teeth

weekly contest 128

March 16, 2019

Introduction

It is my favorite weekly contest. I only solved first two algorithms. I have 40 minutes to work on the third and fourth algorithm, but I could not come out binary search algorithm as an idea for algorithm III, and I have idea to solve the algorithm but I could not come out how to implement the idea using a few lines of code.

Case study

Here is my performance.

Amazon gets an edge with its secret squad of PhD economists

Here is the article.

In the past few years, Amazon has hired more than 150 PhD economists, making it probably the largest employer in the field behind institutions like the Federal Reserve, which has hundreds of economists on staff. It was the only company with a recruiting booth at the American Economics Association's annual conference in January, handing out free pens and logoed stress balls.

To improve that feedback, Amazon tries out interventions like training managers to interact better with their subordinates. Originally, the company brought on a team of psychologists, other scientists and product managers, but before long, it became apparent that they weren't well suited to achieving what Amazon was ultimately after: Better performance. Economists, by contrast, were able to analyze which interventions led to higher worker productivity.

"It wasn't like you had to go in and interview for just one job. You could interview for lots of jobs at the same time," said Fairweather, who left Amazon in 2018 to become the chief economistfor the real estate website Redfin. Once hired, research questions were everywhere. "If I felt there was something really worth digging into, I could go dig into it. I wasn't told ahead of time what was important."

Investing Insights: Last-Minute IRA Tips, Steady Dividend Payers, and More

Here is the link.

Tips on Buying and Selling a House

Here is the link.

定期一本通

Here is the link.

产品名称

定期一本通

产品说明

1.人民币各种期限的整取存取定期存款和通知存款；

2.多达14种外币各种期限的整取存取和通知存款定期存款：英镑、美元、港币、瑞士法郎、日元、欧元、加拿大元、澳元、新加坡元、澳门元、新西兰元、丹麦克朗、挪威克朗、瑞典克朗，外币现钞、现汇存款皆可办理；

3.与长城电子借记卡勾连后，凭卡即可在柜台办理相关业务，并可申请电话银行服务、网上银行转账、查询服务；

4.外汇宝交易（除西藏外）。

适用对象

中国公民、港澳台居民、居住在中国境内外的外国公民，均可凭实名制认可的有效身份证件在中国银行开立存本取息账户。

办理流程

携相关证件到中行网点柜台办理。

提交证件

1.在中华人民共和国境内已登记常住户口的中国公民，应出具居民身份证；居住在境内的16周岁以下中国公民，应由监护人代理开立个人银行账户，出具监护人的有效身份证件以及账户所有人的居民身份证或户口簿(如前述证件不能有效证明监护人同账户所有人的监护关系时，需同时出具有效监护证明)。

军人、武装警察尚未领取居民身份证的，除出具军人和武装警察身份证件外，还应出具军人保障卡或所在单位开具的尚未领取居民身份证的证明材料。

2.香港、澳门特别行政区居民，应出具港澳居民往来内地通行证。

3.台湾地区居民，应出具台湾居民来往大陆通行证。

4.定居国外的中国公民，应出具中国护照。

5.外国公民，应出具护照或者外国人永久居留证。

什么是定期存款？+网上银行怎么取出定期存款？

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摘要：相信现在大家都是经常和银行打交道的。各种取钱，存钱，转账或者是网银的开通，都是离不开银行的。我们对银行多一点了解，对自己的业务办理也就能够更明白一些。所以小编今天准备给大家介绍一个银行非常常用的业务，就是它的定期存款。今天介绍的内容主要包括以下两个方面。什么是定期存款和网上银行怎么取出定期存款。如果大家对这个内容有兴趣的话，那么就不要错过小编今天介绍的这些小知识。

相信现在大家都是经常和银行打交道的。各种取钱，存钱，转账或者是网银的开通，都是离不开银行的。我们对银行多一点了解，对自己的业务办理也就能够更明白一些。所以小编今天准备给大家介绍一个银行非常常用的业务，就是它的定期存款。今天介绍的内容主要包括以下两个方面。什么是定期存款和网上银行怎么取出定期存款。如果大家对这个内容有兴趣的话，那么就不要错过小编今天介绍的这些小知识。

1.什么是定期存款？

定期存款的适用条件就是存款人与银行两方在存款人存款时就已经事先约定好了各种事项，比如说存款的期限，通常有三个月，半年到一年这三种。然后还有利率，它的变动幅度非常的大而且分类也非常的细。然后约好以后存款人将款项存进银行，等到约好的期限到期以后，存款人将会收回他的本金，并且银行将向存款人支付利息。所以究其本质，定期存款其实就是约定好期限的一种存款。而我们常见的定期存款的存款方式根据他们的存取的整零不同有以下几种。比如整存整取或者是零存整取等等。

2.网上银行怎么取出定期存款？

其实在网上银行要取出我们的定期存款它的操作方式是非常简单的，可是很多朋友们都只会存不会取。那么我们接下来就来简单的看一下吧。首先小编以我们身边常见的中国工商银行为例子，我们来演示一下。第一步，我们要上百度搜索引擎，找到中国工商银行的银行官网。然后点进去，我们找到里面的个人网上银行这一栏，在这一栏我们要输入我们自己的卡号和我们设置好的登录密码以及手机得到的验证码等等。信息输入成功以后，我们点击里面的定期存款，会显示出一个界面，在上面我们能够找到我的定期存款。然后我们点击这个页面，在里面我们需要选择我们自己的定期存款的账户。然后我们单击一下更多这一个选项。接下来就会跳出支取。接着我们就只需要输入我们的支取金额，在输入完毕以后，自己还需要检查一下，看信息是否填写无误，然后我们点击提交。提交上去以后，我们还是又要核对一下我们自己的账户信息以及我们刚刚输入的金额，一定要小心小心再小心，千万不能将信息填写错误了，然后核对无误以后我们再点击确认操作就完成了，而我们的账户上就已经提取好之前存入的金额了。

银行定期存款到期没取怎么办？自动转存是怎么存

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银行定期存款到期没取，转存时是不是只转存本金?

　　有朋友说在银行的定期存款到期没取，银行说可以自动转存;他打算直接开通自动转存，那么问题来了：转存时是不是只转存本金呢?一起来看看。

　　首先不是所有的定期存款都可以自动转存;需要存款人开通自动转存业务后，这笔资金到期后才可以自动转存。

　　自动转存指的是银行存款到期后，自动转存成相同期限的一笔定期存款。那么存款自动转存时是不是只转存本金呢?

　　不同银行规则不同，大部分银行的自动转存指的是本息转存，但也有部分银行的转存是本金转存，建议咨询银行人员。此外，有些银行是需要自己勾选：本金转存还是本息转存。

　　本金转存指的是只转存最初的本金，利息放在活期账户;本息转存指的是本金和利息一起作为本金，进行新一笔定期存款。

　　自动转存时，利息会按照转存日当日的利率计算;比之前的利率可能要高一些。

　　举例子：2016年10月1日存入1万一年期定期，利率3%;2017年10月1日到期后获得利息300元。2017年10月1日，1年期存款利率3.1%;

　　如果是本息自动转存，则是10300元存入，到2018年10月1日，可获得1061.93元;如果是本金转存，到2018年10月1日，可获得310元的定期存款利息和300*活期存款利率的活期利息。

中国银行定期2019存款利率是多少

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最新中国银行定期存款利率表调整一览

项目	年利率（%)
一、城乡居民及单位存款
（一）活期存款	0.30
（二）定期存款
1.整存整取
三个月	1.35
六个月	1.55
一年	1.75
二年	2.25
三年	2.75
五年	2.75
2.零存整取、整存零取、存本取息
一年	1.35
三年	1.55
五年	1.55
3.定活两便	按一年以内定期整存整取同档次利率打6折
二、协定存款	1.00
三、通知存款	年利率%
一天	0.55
七天	1.10
项目	年利率（%)
一、城乡居民及单位存款
（一）活期存款	0.30
（二）定期存款
1.整存整取
三个月	1.35
六个月	1.55
一年	1.75
二年	2.25
三年	2.75
五年	2.75
2.零存整取、整存零取、存本取息
一年	1.35
三年	1.55
五年	1.55
3.定活两便	按一年以内定期整存整取同档次利率打6折
二、协定存款	1.00
三、通知存款	年利率%
一天	0.55
七天	1.10

Don’t Let These Obstacles Ruin Your Retirement!

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How To Build a Multi-Million Dollar Net Worth

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