Akufanele Ube nguGenius ukwenza iMali evela kwiiNgxowa-mali
1. Abalimi batyali bathengisa ukuthenga i-Stock kwiMargin
Xa uthengisa isisombululo kwimida , uboleka imali kwi- stock broker yakho ukufihla intengo yokuthenga. Umrhwerenyi uyamangalela inzala kwaye unelungelo lokukunyanzela ukuba ufikelele kwi-collateral, okanye uhlawule lonke ibhalansi yemali-mali, ngexesha lesaziso somzuzu. Enyanisweni, umthengisi unako ukuya kuhlawula i-akhawunti yakho yonke, kubandakanywa nezithenjwa ezingahambelaniyo, ukuhlawula ityala lomda ngaphandle kokunika isilumkiso kuzo zonke; awanakho ithuba lokuza nemali eyongezelelweyo. Xa inhlekelele ibetha-kwaye isoloko ixabana, nokuba yinto yokutshatyalaliswa kwesikhanyiso okanye ukuhlaselwa kwamaphekula-unokufumana ukulingana kwakho konke ukucinywa ngaphandle kwexesha. Okubi nakakhulu, nayiphi na ibhalansi engabhawulwayo ityala lakho elifunekayo lokubuyiselwa ngaphandle kokuba ufuna ukukhokelwa kwinkundla yebhanki.
2. Abathungi bamatyala bahlala bathengisa i-Stock ngaphandle kokufunda i-10-K
Ngaphandle kwemibalwa embalwa, ukuba awuyikukhathaza uphando kwinkampani eyaneleyo yokuhamba kwi -10-K , ukuhlalutya isitatimenti se ngeniso kunye ne- balance sheet (phakathi kwezinye iintengiso), awukho ishishini lokutyalomali kwiisitokisi ngqo .
Phonsa ithawula, uthenge inkcazo yexabiso eliphantsi , kwaye ujabule. Oku akuxoxiswanga. Uzibeka kwiimeko ezingathandekiyo xa ucinga ukuba unako ukuhamba nalolu hlobo lobuvila ngonaphakade ngenxa yokuba izitokisi, ekugqibeleni, azifanelekanga, kwaye akukho ngaphantsi, kunokuba ixabiso langaphakathi lihambelane.
Ixabiso lemarike liya kuhlala libonisa ukuba ekugqibeleni. Yonke isiseko sezoqoqosho zanamhlanje kunye nezemali. Kuye kwaveliswa ngamava ezininzi kwizizukulwana ezimbalwa ezedlulileyo.
3. Abatyala abatyali beNtengiso rhoqo kwaye bahlawula iiMali, iiNdleko kunye neNtlawulo
Isifundo emva kokufunda kwenziwa kwimivuzo eveliswa ngabathengi abaqhelekileyo. Xa baninzi bahweba, ababi kakhulu. Isityebi, ngokuchaseneyo, asizange sithengise nantoni na. Bathenga ixabiso elihle, ngamanani amahle, kwaye baqhube ukuhlala kwisalathiso sabo emva kweminyaka eyi-10, 20, 50+, edlulisela izabelo zamashishini angaqhelekanga njengeCoca-Cola okanye i-Hershey kubantwana babo nabazukulwana ukuze nabo, Unokuyonwabela umlambo wezabelo . Oku kuvumela ukuba abanokuthi baphephe iindleko zokuxhatshazwa ; ukwakha amatyala amaninzi ahlawulwe irhafu, asebenzayo kumsebenzi wabo ; ukuba ezo ntlawulo zerhafu zixolelwe ngethuba lokufa ngokusebenzisa umgaqo -mpahla .
4. Abatyali batyali bathatyathwa ngoloyiko kunye nekratshi
Umtyalo-mali weBillionaire uWarren Buffett uye wachaza ukuba imarike yemasheya yinto eqhubekayo imfazwe phakathi kokugqithisa ukrakra nokuhaha. Kuyamangalisa ukubona indlela ukuphazamiseka okungenangqondo, okanye ukuphazamiseka kwayo, ukungabikho kwempendulo engavumelekanga, kunokubangela abanye abantu abafanelekileyo ukuba benze izinto eziphathekayo.
Ngo-2014, ndabhala uhlalutyo lwaloo bhulogi yam, ndizihlolisisa ibhodi yemiyalezo yeqela lamadoda nabasetyhini abalahlekelwa yinto yonke (kwaye ke ezinye, kwiimeko ezimbalwa) ukubheja kwisitokhwe seshishini elinye GT Advanced Technologies. Ixesha elizayo liye lapheliswa kwimizuzu embalwa. Ukulondolozwa okwathatha amashumi eminyaka ukuhamba, kuye. Oku akuyona indlela ephilileyo yokuphila. Ngaphezu kwakho konke, hlala uqikelele xa kuziwa kwipotfoliyo yakho yokutshala imali. Ingumgca wakho oqinileyo wokukhusela.
5. Abathungi abatyali bezoRhwebo abaSebenzi abaziqondiyo
Akunakuyeka ukumangalisa ukuba abatyala-mali abatsha, abangenayo inxalenye yeempahla zemizuzu emihlanu, bhala ibhokisi yam ebhokisini yam ebhokisini malunga nendlela abaxubha ngayo kwiimvelaphi ezifana neendlela zokugcina impahla. Akufanelekanga ngokupheleleyo kwiimeko ezininzi kwaye kuya kubakho ngokuphindaphindiweyo kunokuphela kokungaphumeleli.
Nangona kukho iindlela ezithile ezinokuthi zinganciphisa umngcipheko kwaye ziphuculwe iziphumo-zokubhala zikhethwa zikhetho ukuba zihlawulelwe ukuthenga isitokhe oya kuthengwa ngenye indlela, mhlawumbi, enye yam intandokazi-kulula kakhulu ukuthenga ubunikazi kumnandi amashishini, uqokelele ukusasaza okuqhubekayo kwimivuzo ngamnye ngonyaka, kwaye uyeke ukuzama ukuqonda. Unako ukuhamba utyhobole ngaloo ndlela.
6. Abathungi bamatyala bathenge iiAfa abaziqondi
Ukuba awukwazi ukuchaza indlela i-asethi eyenza ngayo imali-eyona nto, ingundoqo-ukusebenza kumgcini we-2 onengqiqo ophantsi kwemizuzwana eyishumi, awukho shishini lokubeka ingcinezelo yobutyebi bakho obunzima. Ukuba awukwazi ukuqonda isicwangciso esichazwe kwi- prospectus ye-fund , akukho shishini lokubeka ingxowamali yakho enobunzima. Oku kufanele kube ngqiqo. Ungalokothi ulibale ukuba igama elixabisekileyo kwisigama sakho, "Hayi". Ungesabi ukuyisebenzisa. Kungcono ukuhamba kude nekamva leMicrosoft, kwaye usuphelile ngokuzimeleyo ngokwemali kunokuba ungene kwi-Enron okanye iLehman Brothers.