01 Ukulandela i-Seminar Advice kwizinto ongawaziyo Ngazo
Izibonda ziphakamileyo njengoko usondele kumhlalaphantsi. Awunaso ixesha lokulungiselela iimpazamo kwisigwebo. Yingakho kubalulekile ukwazi ukuba yiziphi iimpazamo eziqhelekileyo ofuna ukuziqwalasela. Njengeengcali zengeniso yokuthatha umhlalaphantsi, ndibone konke. Nazi iiphoso ezinhlanu endizibonile ngokuphindaphindiweyo kwiminyaka engama-20 edluleyo.
1. Ukulandela i-Seminar Advice kwizinto ongazi nto
Ngo-2007 omnye wabathengi bam, umqhubi wendiza, wandibiza inyanga ngaphambi kokuba athathe umhlala-phantsi kwaye wandixelela ukuba akayi kuyidinga ukuhoxisa nayiphi na imali engenayo yenyanga kwi-IRA yakhe njengoko sasilungiselele.
"Ngoba?" Ndacela ukuba ndive ngothuka.
Wandixelela ukuba utyalomle imali engama-80,000 kwiprogram yokurhweba lwemali eyayimhlawulela i-$ 4,000 ngenyanga. Ndandivakalelwa ngesifo kwisisu. Oku kuya kulingana nama-60 ekhulwini ngonyaka ukubuyela. Ndazi ukuba kwakungeke kwenzeke ngokusisigxina. Yahlawulwa iinyanga ezine kwaye ke inkampani ihamba phantsi. Kwakuyi-Ponzi scheme enkulu. Ufumene irhafu yokubhalwa kwerhafu, kunye newaka elincinci emva kokubuya enkundleni. Yiyo leyo.
Wayeve ngecebo lobuchule kwi-seminar yamahhala.
Yintoni Okufanele Uyenze Kunoko?
Ukuba ufuna ukungena kwiindawo zokutyalomali, okanye nantoni na ongayazi ngayo, thatha ixesha lokufunda kangangoko unokuqala. Yenza ngoko ngokunyuka okuncinci. Zama ukufunda iiNtsholongwane eziKhuselekileyo kumaxesha amanzima ngeJordan E Goodman. Inika isingeniso esikhulu kwiindlela ezili-10 ezingezizo zentengiso yotywala.
02 Ukubheja kwiSitokisi
Isitokhwe sithe gqolo kwiminyaka embalwa ezayo. Ukuba wayifake imali yakhe kwipolfoliyo yemveli yenkcubeko eyahlukeneyo yayiza kufaka i-earnings enempilo. Akazange alahlekelwe yimali kwimveli yendabuko, kodwa wagqibela ngaphezu kweedola ezili-100,000 ezifutshane apho wayeya kuba wayenalo imali kwi-portfoliyo eyahlukeneyo eyayiyingxenye yesicwangciso sexesha elide.
Yintoni Okufanele Uyenze Kunoko?
Njengoko unomdla njengoko ucinga ngempumelelo enkulu, kufuneka ucinge ngendlela efana nokuya kwiVasgas kunye nokubheja imali yakho yomhlala phantsi ebomvu okanye emnyama. Ukuba uyayithanda into evuyisayo, yenza ngayo ngemali encinci yemali yokudlala, kungekhona ngobuninzi bemali yakho yomhlalaphantsi.
Khangela Yintoni endiyayenzayo - Thenga ii-Stock ngamnye okanye i-Stock Index Fund? malunga nohlalutyo oluchanekileyo oluya kukunceda uqonde umehluko kumanqanaba omngcipheko wokuba nesitokethi esisodwa okanye i-index index.
03 Ukucinga Ukuba Unqabile kuneNtengiso
Uze eze kumbona ndicinga ukuba umcebisi-mali "oqeqeshiweyo" uza kuba nako ukurhweba kwakhona kwixabiso laso loqobo kwinyanga okanye ezimbini. Wayefuna umcebisi-mali-mali onokuthi atye ixesha lemarike yemasheya ngendlela ayenayo ixesha lokuthengisa imarike. Ndamxelela ukuba akuyena mna. Andizenzi izithembiso ndiyazi ukuba andinakuzigcina. Kakhulu, buddy? Ukuba kwakungelula, kutheni ndifuna abaxumi?
Yintoni Okufanele Uyenze Kunoko?
Kukho abantu abaninzi abahlakaniphile ababeka umrhweba imihla ngemihla - kwaye urhwebo ngalunye lunesiqingatha kuphela. Andikhathalele ukuba wenza ntoni ngokusebenza kwakho ngaphambili - oko akuguquleli kwikhono lokufumana ixesha lokuthengisa. Utyalo-mali yinkqubo. Le nkqubo inegama, elibizwa ngokuba yi- aseset allocation . Inkqubo isebenza, kodwa kuphela xa uyisebenzisa. Funda izinto ezisiseko kwixesha leMarike ngokuSabelo seAfa .
04 Ukwenza iMali Yengozi Ngomsebenzi Wakho Omkhulu
Yintoni Okufanele Uyenze Kunoko?
Kukho iintlobo ezininzi zotyalo-mali ezinika izivuno eziphezulu. Imali-mboleko yangasese ibe yenye yezinto ezininzi kwintlu ephakamileyo yamatyala . Ukuba uya kwiqhinga eliphezulu lokuvelisa, udibanisa. Musa ukubeka yonke imali yakho yomhlala phantsi kwisicwangciso esisodwa. Utyalo-mali ubeka ingozi kufuneka uqoke imali encinci yemali yakho yomhlalaphantsi.
05 Ukubeka kakhulu kwiIliquid Real Estate Deals
Watyala imali enkulu yokuthatha umhlalaphantsi kule mali. Ngelishwa, abazange baphume. Iintengiso ezinjalo zezindlu zithengiyo. Xa amaqhinga engasebenziyo akukho nto ongayenza kodwa ulinde kuze kube ngenye imini uphuhliso lwepropati lithengisa kwaye ufumana imali. Lo mthengi wachitha iminyaka emininzi engenakho imali engenayo kunye nexabiso eliza kuhlala likhuni kuze kube yilapho imarike yendawo yokuhlala ibuye kwakhona kwaye / okanye umhlaba uthengiswa okanye uphuhliso.
Yintoni Okufanele Uyenze Kunoko?
Mhlawumbi i- real estate ingaba yongezelelo elongezelelweyo kwiphothifoliyo yomhlalaphantsi xa uhlakaniphile ngayo. Ukubeka imali eninzi kwi-investment non-liquid where you have no control is not smart. Endaweni yokujonga ukutshala imali kwi- Real Estate Investment Trusts , okanye ukuthenga ipropati yotyalo - mali nge-akhawunti efanelekileyo yokuqhuba iingxaki xa zivela.
Ngaphantsi
Imali yakho yokuthatha umhlalaphantsi ayikho yo kugembula. Kufuneka kukunikeze umgca onokwethenjelwa kunye ohambelana neengeniso. Ngaphambi kokuba utyalomle kwinto entsha, thatha ixesha lokubeka isicwangciso- mali kwaye uqikelele. Ukuba awunayo, awunayo into yokuba ulahlekelwe yilahleko zakho ngaphandle kwakho.