Akunakuze Kudala, okanye kufike ixesha elide, ukubonakalisa i-Kids Kids Ropes
Ngoko u-Black Friday wangena njani kuwe? Ngakolunye uhlangothi, akukho nto efana neLure ye-Doorbuster: eyona nto yokuthenga i-big-screen ukuthenga okanye umrhumo wesohlwayo ozama abantu ukuba badibanise ngamakhulu, ngamanye amaxesha ngobusuku, ukuba bafumane ukudubula kwixhoba.
Kodwa ukuba abantwana bakho bebebukele, mhlawumbi ubenike isifundo esiphindwe kabini kwisidenge semali. Akufanele ube yi-Grinch, kodwa ngaphandle kokuba ulinde umgca ngenxa yokuzonwabisa, amathuba okuphuma phezulu angenakwenzeka.
Ukuba ukhaliphe umgca weeyure ezingama-4 kwi-100 ye-discount, wenza kuphela i-$ 20 engcono xa kuthelekiswa nokwenza i-$ 20 ngeyure kwi-gig yakho yosuku (ungabali i-pizza oyalele yona kumgca).
Kulungile, ngoko ke ufumene ezinye iindleko kwiSanta yamandla kagesi angama-20 kunye ne-HD ye-HD. Kodwa ngaba ubeke ezo zihloko kwiikhadi lakho lesikweletu? Ukuba kunjalo, le nto ifundisa abantwana malunga nokuphila kwindlela zabo?
Iphuzu, abathengisi beeholide, ngulo: Nangona izipho zihle kwaye zilungele iholide, mhlawumbi lixesha lokucinga ngaphandle kwebhokisi lesipho. Okokuthi: Kuthekani ukuba uqale abantwana bakho phantsi kwendlela yokutshala imali?
Qala Ngoku
Akukaze kusondele ukuba uqale ukufundisa abantwana bakho ngemali, uthi uMelanie Mortimer, uMongameli weShishini lezoThuseleko kunye noMbutho weMatriki (iSIFMA) Foundation. "Ngokuqalisa ekuqaleni kweminyaka engama-3 ubudala, abantwana bakho bangakhula babe yingxenye yesizukulwana esilungeleyo nakakhulu sezimali."
Kwenene? Iminyaka emithathu ubudala? Xa ucinga ngako, ukuqala kokutyalo-mali kuqala ngeyo nkomo yenkomo kwixesha elide, eyona ingulube. "Ukunika abantwana ibhanki ye-piggy kuya kunceda bafundise abantwana iinqununu zokugcina nokutshala imali," kusho uMortimer. Xelela abantwana bakho ukuba bathenge into ekhethekileyo xa ibhanki ye piggy igcwele. "
Ezinye iibhanki ze-piggy zikhoyo zize zigqithise loo njongo. USusan Beacham, umsunguli weMali Savvy Generation, uqeqesha abantwana ekufundeni ngezezimali ngokusebenzisa ithuluzi elinengqondo kakhulu: ibhanki yeplastiki yeblastiki kunye ne "ezinezibilini," ukuba uthanda. I-"Money Savvy Pig" inamacandelo okuphambili kwi-Beacham ifuna ukuba bafunde: bachithe, basindise, banikele kwaye batyalole.
"Amantombazana ethu ayamangalisa kakhulu xa sibacela ukuba babe," utshilo u-Beacham, omele azi ukuba: Ungumzali ngokwakhe. "Asikhulise abantwana, sikhulisa abantu abadala . Ngokukhawuleza ukuba sitshintshe iparadigm ekucingeni kwethu, yonke into kunye nezingane zethu ziyatshintsha. Umsebenzi wokufundisa abantwana malunga nemali iqala xa sinabo. "Kungenzeka ukuba, ukuba umntwana oqala emncinci kakhulu unokufumana indlela eya ekuphumeleleni ukutshala imali kweMelika.
"Ukuba uyazi ukuba uziphathe njani njengowama-million ngexesha elineminyaka engama-21, ungeke ube nezigidi ezipholile ngesandla," u-Beacham uthi, "Kodwa uya kuba yindlela yakho. uza kubeka iimpawu ezilungileyo. "
Abantu abadala banceda njani abantwana babo bafunde iindophi zokutyalomali, kwaye baqale endleleni ngendlela ebonakalayo yezemali? Nazi ezinye iindlela ezilungileyo kunye neengcebiso ezivela kwiingcali zezezimali, ezininzi zazo, njengeBehamham, eziye zafunda kumzali wazo, ngoko ke zenza oko bashumayelayo.
Ukubeka isiteji: Ukususela ekusindiseni ukutyalomali. Nangona ukugcinwa kuyindlela elula yokuthetha-nangona umntwana angayenza, akunjalo? -kufumana imali isinyathelo esilandelayo ekusebenzeni imali. "Bhekisela kubantwana umahluko phakathi kokulondoloza nokutshala imali," uthi uBonnie T. Meszaros noCarlos J. Asarta weZiko leYunivesithi yaseDelaware leMfundo loQoqosho kunye noShishino. "Yiya phezu kweengozi kunye nembuyekezo ngamnye kwaye zibandakanye iingxoxo malunga nokubeka onke amaqanda akho ngebhasikidi enye." Njengegama lokuxhuma, iMeszaros ne-Asarta bayincoma iWebhsayithi yeMali yokuLawulwa kweMali yabathengi, iMali Njengoko Ukhula.
Gcina kulula, uthetha ulwimi lwabo. Ukukhula ngaseningizimu yePittsburgh, uAndrew Murdoch waqalisa ukugcina indlela yakhe yephepha leKrisimesi ukusuka kwi-9 ubudala ukuya kwada kwadalelwa ngamakhulu angama-dollar. Umqalile phantsi kwendlela ekuthandeni utyalo-mali, kodwa uyabacebisa abo baza kwenza okufanayo kunye nezingane zabo ukuba baqale ngezinto ezisiseko, kungakhathaliseki ukuba bebudala kangakanani.
"Musa ukuqala ukuchaza iingcamango ezinzima, ezifana nokuhlukana phakathi kwe-ETF kunye nesikhwama sokubambisana, okanye indlela yokwenza iifutshane," kusho uMurdoch, umongameli weSomerset Wealth Strategies ePortland, Ore. "Chaza ukuba utyalo-mali yindlela nje yokusebenzisa imali yakho ukwenza imali engaphezulu. Ukuthenga isitokhwe kuthenga nje inkqutyana encinane yenkampani kwaye kuya kulandelwa ukusebenza kwenkampani ngokuhamba kwesikhathi. "
Fundisa ngamabali. Abantwana (kunye nabantu abadala) banesibindi esinzima kwimbali: Yilokho esenza sibuyele kwii-movie, kwaye sibanyanzelisa abantwana ukuba bacele abazali ukuba bafunde ngexesha lokulala. "Yibandakanye kwimisebenzi yakho yotyalo kwaye ulandele iingcamango zokutshala imali," kusho uMortimer. "Thetha nabo malunga neendlela zakho zokugcina nokugcina imali-kwaye uchaze ukuba kutheni uyakusindisa kwaye uza kukunceda njani ngokukhawuleza." Oku kuthetha ukuthetha ngamava avela kwixesha lakho elidlulileyo, okanye ubonise ngexesha lokwenene ukubeka ukusebenza kwiimpawu ozifundileyo. "Ngokomzekelo, ukuba ufumana izicathulo zakho zilungiswe kunokuba uthenge enye ibini, cacisa indlela ngokulibaziseka ngokukhawuleza ukuba ube neqela elitsha, ngokwenene ukonga imali ongayisebenzisa into enkulu emva koko."
Yazi indlela yokufunda yomntwana wakho. Umfundi obonwayo uya kuphazamiseka ngokukhawuleza ngengxoxo malunga nokutyalomali, "kusho uYared Snider, umcebisi ophezulu kumcebisi kwi-Extencial Wealth Advisors e-Oklahoma City. "Qaphela indlela umntwana ofunda ngayo kwaye ucele ootitshala babo ukuba baqonde indlela yokufunda yomntwana wakho. Fitanisa iingxoxo zakho zokutyalomali kule ndlela. Sebenzisa imithombo emininzi ukuthetha njengemifanekiso, iividiyo, ii-smartphone zokusebenza, amabali. "
"Umdlalo" kwimarike. Unokuqala abantwana abancinci ngokubanika iphothifoliyo yemali yokudlala kunye nokulandelela iziphumo. "Yenza kube mnandi ngokwenza umdlalo ekuqaleni," kusho uRebecca Pavese, umcwangcisi wezemali kunye nomphathi wepottoliyo ngeofisi ye-Atlanta yePalisades Hudson Financial Group. U-Pavese, ongumama, ucebisa ukusebenzisa izixhobo zokuncintisana kwi-intanethi kunye / okanye ukudala nokulandelelana kotyalo-mali kunye. "Ukudlala okokuqala ngumoya kuya kukuvumela ukuba uchithe ixesha kunye nomntwana wakho kwaye uvula ingxoxo ngokuphathelele" imigaqo "yokutshala imali, '' utsho. Ukuba ukhangela ithuluzi le-intanethi, i-SIFMA Foundation inika umdlalo we-Stock Market ootitshala abangayisebenzisa kunye nabafundi kumaBakala 4-12, kwaye isebenza ngokubambisana nenkqubo yeselula.
"Umdlalo wekhompyutha" kwimarike. Enye indlela yokuthabatha indlela yokuzonwabisa ngokukwenyaniso "ubomi" be-market market. I-website ye-Kapitall isebenzisa iimpawu zokudonsa kunye ne-drop and icons-catching icons, kwaye nayiphi na into efana ne-Kapitall yomsebenzisi kunye ne-cool arcade diversion ayiyiyo injabulo okanye ingozi ehleliweyo. Iqonga liyi-brainchild yomdlalo weqonga lomninimzi-mali uGaspard de Dreuzy (oneminyaka engama-20 amava kwintsimi) kunye nobuchwepheshe bezekhnoloji uSerge Kreiker, owayengumngqineli we-software eBloomberg LP. Kwakhona kubonisa ukuthengiswa kokusebenza, kwakhona.
Thenga iipakethi ezili-10: URobert Johnson, umongameli kunye ne-CEO ye-American College yeeNkonzo zezeMali kwiindawo zaseFiladelphia, ubonisa ukuba abazali banikela abantwana iipotifoliyo malunga neempahla ezilishumi. "Thatha isabelo esinye ngasinye kwaye ube nabanye abahlawuli bezahlulo, abanye bengabikho." Kulungile kodwa, "yenza ukuba iinkampani zezingane ziqonde: Walt Disney Co. (i-ticker: DIS), Co-Cola co. (KO), iNike Inc. (NKE). Kuya kubanika ukubaluleka kokuhlanganiswa, ukuvelisa kunye nokuba ezinye iinkampani ezintle aziyiyo intsalo-mali enkulu. "Ewe, ukulahleka kungonakalisa-kodwa yimali yakho, iSanta eyona nto?
Bamba umdla wabo kumdla wekhampani. Ixesha elithathayo ukuhlanganisa utyalo-mali, kwaye uvelise imbuyekezo enkulu, unikeza isifundo sehlabathi ngokwenene kwindlela imali ekhula ngayo. U-Dave Geibel, oyintloko kumongameli wongameli kunye nomcebisi wezobutyebi e-Girard Partners kwiKumkani wasePrussia, uPa. "Ukuqalisa ukutyalomali kwiminyaka emininzi kuvumela umntwana ukuba abone ukukhula kunye namava aqhelekileyo ukunyuka nokuhla kweemarike. Ukutshatyalaliswa kwesiqhelo kuyinto evamile kwaye ukwazi oko, kwaye utyalo-mali kuyo, kuya kugcina ingqalelo ekutshekeni xa utyalomali ubudala.
Ukwenza oku kuxoxwa, fundisa abantwana ukuba inzala yenzalo isebenza njani "UMthetho we-72." Ngokwalo mgaqo, imali ephindwe kabini kwinqanaba apho i-72 ihlulwe yi-percentage gain. Ngoko ke, ukuba wenza ipesenteji ezintathu kwimali yakho ngonyaka, kuya kuba kabini kwiminyaka engama-24; okokuba, i-72 ihlulwe ngamathathu.
Ungalibali ukupha. Abatyalomali abanomdla njengoWarren Buffett bakholelwa ngokunyanisekileyo ekunikeni-kwaye kungekhona nje emva kokulandela. "Saqala kunye nezingane zethu emva kokuba bebekhulile ngokwaneleyo ukuba bafake umnikelo esecaleni lethu kwicawa," kusho uDaryl Dagit, umcebisi wezezimali kunye nomphathi weemarike kwi-Savant Capital Management kwaye esekelwe ePeoria, kwi-Ill. "Kwaye xa beqala ukufumana imali izipho zemihla yokuzalwa kunye nokwenza imisebenzi eyongezelelweyo ngeenxa zonke zendlu, bafundiswa ukuba bafake iibhanki, banike isikolo esikolweni ngeSonto kwaye kwakufanelekile ukuba bachithe abanye. "
Dlulisa izipho zabazali bakho. UMarguerita Cheng, i-CEO yeBlue Ocean Global Wealth, unamava amaninzi athabatha iintombi zakhe iholide yokuthenga. Kodwa uya kudlula nezipho zemali uyise awayemnike zona. "Abazali banako ukuba abantwana batshale imali kwiisitokhwe ngokusebenzisa isicwangciso sokubuyisela isahlulo," kusho uCheng. "Ndikhumbule ngokucacileyo ukuba ubawo uxoxa ngexabiso le-IBM stock and how he bought it through payroll deduction. Enyanisweni, yiyo kanye indlela endifunde ngayo ukufunda i-Value Line [uphando lwentengiso] -nokuba uTata wandinceda ukuba ndihlawule iikholeji. "