Umzila Wakho-Yakho-Uqobo Ngokuqesha Umphathi WezeMali
Ngaba UnesiCwangciso soBuchule boTyalo-mali?
Ngokukhawuleza! Ngaphambi kokuba ube nexesha lokucinga ngalo, bamba iqela lephepha kwaye ubhale phantsi imigaqo-mali oyisebenzisayo ngayo kunye neempawu ozijongayo kwiimpahla ozithengayo.
Yiyiphi inqaku lo msebenzi? Ukuba kwakufuneka ucinge ngempendulo yakho, unokwenza impazamo ngokulawula utyalo lwakho. Ingabonisa ukuba awukho isakhelo esakhiweyo esikuvumela ukuba uhlale ushukunyiswa ngokwemali kwi-investments - i-detachment ebalulekileyo ukuba wenze izigqibo ezinengqiqo ngokusekelwe kuhlalutyo olunengqiqo lweshishini kunokuba kuthatyathwe ingxaki kwimarike kwixabiso lemarike. A
Ngakolunye uhlangothi, ukuba ungumtyalo-mali lo msebenzi akafanele athathe inzame okanye ixesha. Kungenxa yokuba ucinga ngombono wezoshishino. Njengomntu we-Graham ne-Dodd yesikolo sokutyala imali, umzekelo, ndiyazi ukuba izitokisi ezineempawu ezithile ezifana nexabiso eliphantsi kwiimali zokufumana imali , ixabiso eliphantsi kwixabiso leencwadi, ukubuyiswa okuphezulu kwixabiso elibonakalayo , inkokhelo ephantsi ukulingana kwamanani , kunye nemigaqo-nkqubo yokuhlawula ngokuzinzile iye yazama ukukhupha i-market kwixesha elide.
Ezi zinto, phakathi kwabanye, yinto endiyifunayo xa ndifuna ukutshalwa kwezimali ezintsha. Uluhlu luyahluka ngohlobo olukhethekileyo kunye nommandla wenzalo-ukujika, ukuqala, iinkampani zeoli, njl.
Ngaba Unokubaluleka kweMali yokuPhuma?
Ibhizinisi lifanelekileyo kuphela ukuhamba kwemali okuza kuvelisa ukususela ngoku kude kube yinto ehlaziywe ngayo ukuya kwixabiso langoku kwizinga elifanelekileyo (ngokuqhelekileyo udidi lwexesha elide loRhulumente wase-United States kunye ne-kicker price inflation).
Ukuba awuyiqondi isi sigwebo okanye ungenalo isakhono esisetyenziselwe ukunciphisa imilambo yonyaka, mhlawumbi umbi kakhulu ukuba ukhethe utyalo-mali ngamnye kwipotfoliyo yakho. Ngaphandle kokukwazi ukufika kwisikolo esizimeleyo, ukulinganisela okufanelekileyo unokufumana uzinikeleleke kubakhuthazi abangenalo i-intanethi ephosa ngokukhawuleza ekhangayo (ngokuqhelekileyo ixabiso eliphezulu) iminikelo yoluntu yokuqala okanye enjalo.
Ngaba Unokwenza I-Accounting Aggressive Accounting?
Abaninzi abatyalo-mali abatsha abaqapheli ukuba ingeniso yemali echaziweyo kunye negalelo nganye kwisabelo seminyaka yenkampani, ngokufanelekileyo, ukuqikelelwa okubi. Kungenxa yokuba neyorhwebo elilula kunye nephepha lokuhlalutya elihlambulukileyo linokulinganisela kunye nokucinga ukuba ulawulo kufuneka lwenze - ipesenteji yabathengi abangenakho ukuhlawula i-bill yabo, izinga elifanelekileyo lokunciphisa izakhiwo kunye noomatshini, izinga eliqikelelweyo lemveliso ubuyisela, ukubuyiswa kwexesha elizayo kwiimpahla zempesheni ... kwaye yile mizekelo embalwa kakhulu!
Ukuphazamiseka kwalolu hlobo kukuba ulawulo olungabonakaliyo lunokudlala umdlalo kumanani ukuba akhangele kangcono kunokuba asetyenziswa ngokusetyenziswa kobuchule obucwangcisayo. Ukwazi ukwazi ukujonga oku kubalulekile ukukhusela.
Kwakhona, ukuba awukwazi ukwenza oko, akufanele utyalole imali yakho ngaphandle koxhaswa ngumqeqeshi oqeqeshiwe.
Ngaba Uyayiqonda Ibhizinisi Eliyintloko?
Usenokumangaliswa kukuba bambalwa abantu abazi ngokwenene ukuba inkampani yabo yenza imali. I-Coca-Cola, umzekelo, ayiyi kuvelisa ininzi yayo inzuzo ekuthengiseni isiselo osikhethayo kwivenkile. Endaweni yoko, ithengisa i-syrups ezigxilwe kwiibhotile kwihlabathi lonke kwaye emva koko zakha iziyobisi ezigqityiweyo kwaye zizithengise kubathengisi. Kubonakala ukuba abaninzi abatyali-mali be-Enron babengayiqondi indlela inkampani eyenze ngayo imali.
Ngaba Uyayiqonda Intlekele?
Zingaphi izitokithi ezithathayo ukuba zidibanise? UFilipu Fisher uthetha malunga naloo mbono kwintsebenzo yakhe eqhelekileyo yeStock Stocks kunye neNzuzo engaqhelekanga kangangeminyaka emininzi edlulileyo. Yiyiphi iphothifoliyo, umzekelo, ngaba ucinga ngokubanzi?
"Iipotfoliyo A" enesitokethi ezilishumi ezibandakanya iibhanki ezintathu, iinkampani ezimbini ze-inshorensi, kunye neentlanu ezinamatyala okutsalwa kwezindlu okanye "i-Portfolio B" kunye neeflthi ezintlanu ezibandakanya i-trust eyodwa yokuthengisa utsalane, enye enkulu yezoshishino, inkampani enye yeoli, ibhanki enye , kunye nenye yeengxowa-mali zomhlaba wonke?
Kulo mzekelo, impendulo eyamangalisa kukuba mhlawumbi unabantu abahlukahlukeneyo abanempahla emihlanu engekho engqinelanayo kunezibini ezilinganayo kabini kumashishini afanayo. Kungenxa yokuba xa iingxaki zifika, zihlala zichaphazela onke amacandelo eemarike; ubungqina benkxalabo yebhanki ekupheleni kwee-1980 okanye i-real estate iyawa phantsi ngexesha elifanayo.
Ngaba Unesizathu Sokuxhatshazwa Kwezitshintsho kwixabiso lentengiso?
UWarren Buffett uye wayedla ngokukhawuleza ukuba inkokhelo yinto enye abantu abayifunayo embalwa xa betheleka. Kuzo zonke ezinye iinkalo zobomi bethu, siyazivuyela ngokuthengisa nokuba ngababusika okanye izibopho zesilika okanye iimoto. Njengoko ama-equity athola imali engaphantsi, kunjalo, sibaleka ngokuphindaphindiweyo bathi izinto ezinobuqatha ezinje, "Ndiza kulinda de ixabiso lizinze kwaye liqalise ukuvuka kwakhona." Oku kungenangqiqo. Ukuba awukwazi ukubukela ukubamba kwakho ukuwa ngama-50 ekhulwini okanye ngaphezulu ngaphandle kokuphazamisa okanye ukucima izikhundla zakho, akufanele ube nokulawula utyalo-mali lwakho ngaphandle koncediso lobuchwepheshe.