Amashishini abonisa ezi Mpawu zingenzeka ukuba zifanele ukutyalomali lwakho
Ukuqonda oko kuthetha ntoni, zizinto ezisixhenxe ezizodwa onokuzijonga zona ezinokubonisa ukuba ujongene nabantu abakwii-world bafuna ukutshala imali.
Ngelixa ulawulo lwabalandeli abanobulungisa alukwazi ukugcina amashishini asabekayo kwixesha labo elibhubhileyo, banokuyitshintsha ingxaki yakho. Yonke into elinganayo, inokukunceda wenze ucebise ngengozi encinane .
1. Ukuba nomgaqo-nkqubo ochazwe ngokucacileyo
Omnye wolawulo olubalulekileyo kakhulu lwemisebenzi lukwabiwa kwabanini-zimali. Ziziphi iingeniso ezigqithisileyo ezijongene nazo zibaluleke kakhulu. Ingaba ezo nzuzo zibuye zenziwa kwiindawo ezikhoyo, zisetyenziselwa ukufumana ukhuphiswano, zandise zibe ngamanye amashishini, zithengise amasheya , okanye zandisa ixabiso lemali kubanikazi, isigqibo siya kuba negalelo elikhulu kubutyebi babanini. Njengoko uWarren Buffett ebonisa ngokucacileyo kwileta yakhe yabanini-nxaxheba , oku akuyona into eyenzeka ngokwemvelo kubaphathi abaninzi. "Ukungabikho kobuchule abaninzi bama-CEO abanokubelwa kwixabiso eliyinkunzi ayikho nto encinci: Emva kweminyaka elishumi emsebenzini, i-CEO elineenkampani minyaka yonke igcina i-earnings elilingana ne-10% yentlawulo yemali iya kuba nexanduva lokuthunyelwa kwama-60% yonke inkunzi enkulu emsebenzini kumashishini. "
Xa ulawulo luchaza umgaqo-mpahla ocacileyo nolungileyo, abanini-mali banokukwazi ukubenza baziphendule kwaye bagwebe ukusebenza. Kananjalo iyakhuthaza ukufuna ukufumana izinto ezingaphezulu. Umzekelo omhle ngu-Bhanki yase-US, isiko lesithandathu semali enkulu kwihlabathi. Ngokombiko wonyaka we-2005, inkampani ijolise ekubuyiseni iipesenti ezingama-80 zeempesenti kubanini-masheya bethu ngokudibanisa izabelo kunye nokuthengwa kwempahla.
Ngokuhambisana nokujoliswe kuyo, iNkampani ibuyisele i-90 ekhulwini yemali ngo-2005. "
Akuyona ingozi eyiminyaka embalwa kamva xa iibhanki ezininzi zahluleka , i-US Bancorp ihamba ngokukhawuleza kwinqanaba elibi kakhulu kwiibhanki kwizizukulwana. Nangona i-Federal Reserve yayifuna ukuba igawulwe isabelo sayo, njengoko yenza njalo kuzo zonke iibhanki ezinkulu ukuya kuhlolisisa imeko leyo, ukuba imali ihlanganiswe kwi-balance sheet, ukulingana kwamalungelo wabanini-mali . Abanye abatyali-mali bebhanki balahlekelwa yonke into, kodwa umntu obambe isitokisi se-US Bancorp ucebile namhlanje kunokuba wayeneminyaka eyishumi edlulileyo nangona ixesha elibuhlungu elinokuthi, ngenye indlela, yabona i-stock drops nearly 70%.
2. Ukufuna abaSebenzi ukuba bathathe iShishini kwiShishini
Yonke into elinganayo, ufuna i-capital yakho ilawulwe ngumntu "onesikhumba emdlalweni", oko kuthetha. Iinkampani ezinobunini-mali zabanini-mali zifuna ukuba abaphathi kunye nabaphathi babe nesitokethi kwi-corporation bafanele amaxesha amaninzi umvuzo wabo wesiseko. Oku kuqinisekisa ukuba bacinga ngokukodwa njengabanikazi, kungekhona abasebenzi.
Ingcamango kukuba oku kwenza abaphathi bajolise kwixesha elide; malunga nokukhula kweengeniso ezizinzileyo, ukugcina i- balance sheet eqinile, ukuqinisekisa ukuba iirekhodi zengxelo ziyalondolozo, kwaye ukuba ishishini liya kuqhubeka lichithwa imali kwiminyaka emininzi kwixesha elizayo.
Iinkampani eziphambili kule ndawo ziphethe i-CEO kunye nabaphathi abaphezulu abafumana imali engaphezulu yabo kwingeniso kwi-stock position yabo kunokuba benza emvuzo. Lona iqela elilinganiselwe, ngokwenene, kodwa xa ufumana imeko enjalo, ifuna ukuba uphando olongezelelweyo.
3. IBhodi yabaLawuli Ukubeka izidingo zabaseStockholders phambi kwababethi beeNtloko
IBhodi yabaLawuli kufuneka yazi umsebenzi walo oyintloko-ukukhusela umdla wabanini-mali, kungekhona ukulawula. Kuyo yonke imbali yezemali, kubonakala ngathi ezininzi iinkcazo zenkampani zenzekile xa ibhodi ikhululekile kakhulu kwiqela elilawulayo. Oku kuqondakalayo; xa usebenza nabantu obathandayo kunye neentlonelo, ngokuqinisekileyo kulula ukuba nomoya we-clubhouse emoyeni kunokuba ubambe iqela lokulwa. Ukuphazamiseka kukuba le nhlangano inokubangela ukuthengwa kwezinto ezigqithiseleyo, ukucwangcisa izicwangciso, nokuqeshisa iimpazamo.
Unokwazi njani ukuba ngabalawuli bekho na? Khangela iimpawu ezimbalwa eziphambili:
- Abalawuli abazimeleyo baqhuba iintlanganiso ngaphandle kolawulo olukhoyo ukuhlaziya ukusebenza kusekelwe kumanyathelo athile.
- Imbuyekezo yeBhodi ingqiqweni kwaye ayinakugqithisa. Ukuba ibhodi ihlala ivota ngokwayo ihlawule ukwanda, mhlawumbi ayinayo into enomdla entliziyweni.
- Iipeksi zigcinwa ubuncinci. Kukho iimeko zesigqeba esasebenzisa i-jet yangasese yenkampani, kwiindleko zamasitoreji, ukuba indiza inja yentsapho kwindawo yeholide. Izinto ezinjalo zingagqalwa xa utshayela kuzo zonke iisilinda, kodwa ihlamba inkcubeko, ekhokelela ekugqibeleni njenge-Tyco, apho i-CEO ibixelele isetyenziselwe i-$ 6,000 kwikhefu lokuhlamba. Kungekudala okanye kamva, uya kuba nexesha elibi kunye nabantu abanjalo.
- Bathenga kuphela isitoko xa kubaluleke kakhulu. Iqela lolawulo luza kuthengela izabelo ezimbalwa xa isitokisi siphezulu, kwaye ezinye izabelo xa zingabalulekanga, abanini bexesha elide bazuza kakhulu. (Ukuba awuyiqondi into oku kuthetha ngayo, unokufunda malunga nendlela iinkqubo zokuthengwa kwezabelo ezinokunceda abanikazi , kunye nendlela abanokukwenza ngayo abahlwempuzekileyo ukuba ngaba ngabaphathi bengasebenzisi ukuqonda.)
4. Ukufuna (kunye neZibambalwa ezimbalwa) Ukulingana kunye namaLungelo okuVota ukuba aHlomelo
Kwiimeko ezininzi, akusona uphawu olufanelekileyo lwabaphathi ukuba babe ne-2% yesitishi kodwa okwangoku ulawulo lwama-80% wamandla okuvota. La malungiselelo ahlelekile angakhokelela kuhlobo lokusetyenziswa kakubi kwezabanikazi okwakuthiwa ku-Adelphia.
Ngakolunye uhlangothi, le nto ayisoloko i-break-breaker. Ezinye iikhampani zinezakhiwo zohluli-zigaba ezihlukeneyo ngamalungelo okuvota ahlukileyo, ngelixa zisenza okulungileyo ngabanikazi abancinci. Unokuba nobutyebi kakhulu kwizizukulwana ezimbalwa ezidlulileyo kwi-Berkshire Hathaway, iWashington Post Inkampani, iGoogle, iMcCormick kunye neNkampani, okanye amanye amashishini apho iindwendwe ezilawulayo kunye nosomashishini benza umsebenzi wexesha elide loshishino.
5. Ukugxininisa kwiiNkampani eziManyeneyo eziManyeneyo
Ngaba inkampani iyaqeshisa zonke izakhiwo zayo kwiinkampani eziphantsi komhlaba eziphantsi kwayo kwaye zilawulwa yintsapho ye-CEO? Ngaba zonke ii-napkins kwithengi yakho ye-pizza ethengwe kumzukulwana womsunguli? Nangona ezinye iinkqubo ezibandakanyekayo zenkampani zinokuthi zibe zilungileyo kwizentengiselwano, qaphela iimeko ezingakhokelela kwimibango yomdla. Ukuthatha umzekelo wethu wokugqibela, ngaba abanini-zimali baya kuzuza ixabiso eliphantsi kakhulu kwi-napkins, okanye ngaba i-CEO iya kuziva ngathi inceda umsekeli womzuzwana ngokuhlawula ngaphezu kokuba uyazi ukuba unokuya kwenye indawo?
6. Ukuhlawula okuNcinci kunye neNkcazo yokuThengwa kweMpahla kunye neMbuyekezo yoLawulo
I-CEO ihlawulwe i-$ 100 yezigidi ingaba yinto echanekileyo ngokufanelekileyo ukuba inkampani iphakathi kwabadlali abakhulu ngexesha lokuhlala kwakhe kwaye ibonisa impazamo yokujikeleza kubanikazi. Ukuba ishishini liyehla, italente iyanqumla inqanawa, abanini-nxaxheba bavukela, kunye nephakheji enkulu yokuhlawula ipapashwa, kunokubakho iingxaki zolawulo lwangaphakathi.
7. Ukusetyenzela iNtetho engaphantsi kweVulekileyo kunye noNxibelelwano olunyanisekileyo
Njengomnini-shishini, unelungelo lokukwazi imingeni namathuba ajongene nenkampani yakho. Ukuba ulawulo aluvumelekanga ukwabelana ngolwazi, luyakubonisa ukutyekela ukujonga abaphathi bezabelo njengendawo ebalulekileyo ebunini kunabanini bamanani. Kwiimeko ezininzi, iphothifoliyo yakho iya kuba ngcono xa uhamba ngokucacileyo.