Nantsi indlela yokwenza kakuhle xa iindaba ezininzi zokutyalomali ziindaba ezimbi.
Kwaye bonke abatyali-mali, oko kuthetha ukuba ilizwi lokuqiqa lixhamla elwandle lwakhiwo lwe-cacophony olubandakanya (ukuphefumula komoya): i-TV ye-cable, i-YouTube, iiwebhsayithi zangaphandle, iiwebhsayithi ezingaphandle, ii-blogs, iimagazini ze-intanethi, i-podcasts, iindaba zeendaba ... kunye neentambo ze-dance.
Kulungile, ngoko i-hamsters yokudansa ayinanto enxulumene nesitokisi. Awukho mhle mnye. Kodwa ukukrakra, ukutshala kwe-self-styled gurus akuzange kube kuhle ukuqala. Iziganeko zithile ziyakwazi okuninzi malunga nokuthoba iphothifoliyo njengentonga. Ngubani owamkhulula emagumbini abo?
"Kukho ulwazi oluninzi, kulula ukuphazamiseka kwaye wenze enye yeephosiso ezimbini," kusho uBrian Barnes, umsunguli kunye ne-CEO ye-M1 Finance, umthengisi we-intanethi e-Chicago. Impazamo yokuqala kukuba ungenzi nto kwaye ungatshali mali, ukholelwa ukuba kufuneka ufezeke ngaphambi kokuba uqale. Iphutha lesibini ithatha inyathelo kuzo zonke iindaba-zorhwebo-kunye nokuphuma ngokusekelwe kumacatshulwa, ukuhamba kwexabiso kunye nentetho ye-cocktail. "
Enye into eyenzekayo xa iintetho ezingapheliyo ze-tsunami zikhupha abatyala-mali. "Ukukhetha utyalo-mali kuya kuba nzima nakwiimvakalelo kunye nokungenangqiqo kwaye umtyalo-mali, ngokungafunekiyo, ufuna kwaye alandele imithombo exhasa izigqibo zokutshala-mali kwangaphambili," kusho uAlbert Goldson, umlawuli olawulayo we-Indo-Brazilian Associates LLC, iqumrhu elicebisa ngehlabathi eliseNew York.
"Umsila ugubha inja kunokuba abatyala-mali benze izigqibo ezinengqiqo."
Yintoni umtyalo-mali odidekileyo ukuba enze, ngoko, kwiminyaka engaphezulu kwengcaciso xa iphakamileyo elonwabileyo libonakala lifana neliphakathi? Nazi iinqununu ezintlanu zeengcebiso zeemakethe zengcebiso zorhwebo zinikezela njenge-antidote yokubetha isandi kunye ne-soap opera scandal.
1. Musani Ukwesaba
Uthe uBill Keen, umsunguli kunye ne-CEO ye-Keen Wealth Advisors e-Overland Park, eKansas, uthi "Enye indlela yokunciphisa ingxaki yengxolo kukuqonda kangcono uhlobo lobume bezoqoqosho kunye neemarike zemali."
Ngoko zibuze: Ukuba amaxabiso enyukayo enyuka kwiinyanga ezimbalwa ezizayo, ngokuqinisekileyo akuyi kuba ngowokuqala, akunjalo?
"Njengokuba ilizwi elidala liye lathi, 'Iimarike zenze umsebenzi omkhulu uqikelele ezithoba kwintlanu yokugqibela," uthi, "Musa ukuphazanyiswa ngoloyiko lolo suku. Esikhundleni saloo ndlela, zijonge ngokucwangcisekileyo kwinani lezoqoqosho ukwenzela ukuqonda imilinganiselo kunye nokuqonda kakuhle into eyenzekayo. "
2. Khetha kwaye Unamathele kwiiNdaba eziManyeneyo
Ukuba ngabahleli beendaba ze-dog bahlala behlula iibali ezibalulekileyo ezivela kwizinto ezincinci, ngubani oza kuthetha ukuba awukwazi ukwenza into efana nomthengi weendaba kunye nomtyalo-mali?
Buza ootitshala bezezimali apho baya khona kwaye uya kuva iimpendulo ezinje zinikezwa nguDrew Horter, umongameli kunye nomphathi oyi-investor oyintloko kwi-Horter Investment Management, esekelwe eCincinnati.
"Imizekelo yezibonelelo esiyithandayo ziquka iMatstarstar kunye ne-dshort.com," kusho uHorter.
"Sincoma ukuba abathengi baye kwizinto ezininzi ezizimeleyo njengokuba banako ukwenzela ukuphepha ukukhawuleza."
"Kunceda ukwakha ubuchule bakho kunye nolwazi lwesiseko njengoko unquma ukuhamba ngaphaya kwezinto ezisiseko," uBarnes wacebisa. "Nayiphi na inqaku okanye into eendaba efundisayo into eya kwandisa i-horizons yakho yokufumana amathuba okutyalomali xa ivela."
3. Khangela iipatheni ezinkulu
Iincwadana zeendaba zincinci xa zidibanisa, kwaye intatheli kunye neepundits zivame ukugxotha i-ambulance esilandelayo ehamba ngeWall Street. "Siya kubhalisela 'inkolelo ye-mosaic' yokutshala imali," uDavid Edwards, umongameli weHeron Financial Group eNew York "Iiflethi ezimbalwa ezidibeneyo kwidesksi yakho ayinanto; Ama-30,000 phezulu eludongeni yenza umongo omhle (kunye nexabiso). Iindaba zemihla ngemihla zinjengezo tile zodwa. "
UHorter wongezelela ukuba izinto ezibonakalayo, nazo.
Unokuba yi-junikie yeendaba zemarike kwaye uphumelele-ukuba uthatha indima yomfundi. Ikunceda ukubonelela ngecebo elihle kuyo yonke inkcazelo oyibuthayo kwaye xa kuvela imibuzo, unokuhlala ucela "utitshala."
"Ukwazi ngakumbi, unemibuzo ebalulekileyo oya kukwazi ukubuza umcebisi wakho," uHorter uthi. Umjikelo weendaba weeyure ezingama-24 luncedo kuba unceda abatyali-mali ukuba bafumane ulwazi. "
Sekunjalo, i-outlet engqiqweni yimizuzu ingakwazi ukuhambela ngokuzenzekelayo i-sensationalist elandelayo.
Eminye imithombo yeendaba iza kuba nodliwano-ndlebe olunzulu okanye amanqaku abhaliweyo, kodwa emva koko ulandele ngokuthetha naye ngomntu ochazayo isiganeko esizayo kunye nesiganeko, "utsho uTony D'Amico, i-CEO kunye nomcebisi we-The Fidato Group eStongsville, eOhio. "Ukunciphisa imithombo yakho yeendaba kulabo ababonelela ngenyaniso okanye iindaba ezixhomekeke kukho ubungqina ngeendlela ezininzi kunye nokunyaniseka kwengqondo kuya kunceda kakhulu."
4. Gxila kwiMbali, kungekhona i-Hysteria
Amajelo aseburhulumenteni, ahlala eshiwo, ubhala umqulu wokuqala wembali. Kodwa ezininzi iziqulatho zokuqala zifuna ukuhlaziywa kwakhona, kwaye yintoni eyoyikisayo ngelinye ilanga ludla ngokukhawuleza kwixesha elithembekileyo. Kwaye ngoko kuvela kwi-Wall Street idakisayo: Ukufunda iindaba zexesha elide kunokukuxelela konke okufuneka ukwazi malunga nendlela eziza kudlala ngayo namhlanje.
Ngaphandle kokungathandabuzeki, isithwathwa esikhulu seendaba kwiibhanki kule nyanga yokugqibela sele i-Wells Fargo ethengisa ukuthengiswa kwempahla. Ukuvalelwa phambi kweCongress kuye kwaveza iintloko ezingapheliyo, ikakhulukazi xa uSen Elizabeth Warren (D-Mass.) Etshela i-CEO engummangaliso uJohn Stumpf ukuba "kufuneka abuyele yonke i-nickel oyenzayo ngexesha logaxekile."
Umshini ophezulu wabuya ebomini kwakhona xa uStumpf wasula njengomongameli kunye ne-CEO ngo-Okthoba 12. Kodwa kukho konke, ngaba abatyali-mali belahleka yintoni eyona ibali elide elide? Okwangoku, i-stock e-Wells Fargo (i-WFC) ixabiso lentengo ye-$ 45; unyaka odlulileyo, i-$ 55. Ukuqiniseka ukuba yilophu olubukhali lokusondela kuma-20 ekhulwini, njengokuba i-Wells ibhekana nokuhlola okungakumbi kwiinyanga ezizayo. Kodwa ihlambulule indlu ngokuthi nguTimoti Sloan, iGosa eliLawulayo leNtloko yeBhanki, njenge-CEO entsha.
Ngaphezu koko, i-Wells Fargo isala enye yeebhanki ezixabisekileyo kwihlabathi, kunye nekhredithi yemarike eyi-$ 222.75 yezigidigidi. Ngoko amathuba kukuba i-Wells i-Wells ayihambi-kwaye eqinisweni, isitokisi sayo sinokulungiswa ngoku ngoku.
Akukho mntu owaziyo malunga nemijikelezo enjalo kunoBuffett, owathi ngonyaka we-2001 watshela iphephancwadi iForune: "Xa iihamburgers zehla ngentengo, siyicula 'iHaleluya Chorus' kwindlu yaseBuffett." Uyakuyicula, D uthenge i-stock kwiCitibank (C) ngamapenti angama-97 isabelo ngo-Ephreli 2009, kwi-penitenti ye-crisis mortgage. Ngaphantsi kweminyaka elishumi emva kokusasazeka kweendaba kunye neengqungquthela ezibuhlungu, i-Citibank ngoku ithengisa malunga ne-$ 49 isabelo: ukusukela kwi-$ 55.87 yangokugqibela kaNovemba, kodwa iphinda ibe ngama-975 ekhulwini ukusuka ngo-2011.
5. Musa ukuwa kwi-Drama-Short Drama
Masithi ibhiliyadeire uWarren Buffett ubamba ingqondo ebuhlungu ekhanda kwenye yeeDiry Queens yakhe ekudleni iBlizzard ngokukhawuleza. Ukutyelela kwakhe kwi-ER kuya kulandelwa ngaphezulu kweyure, nganye iyure, kuyo yonke ikhamera yeendaba zekhompyutha. Kwaye kutheni? UWarren Buffett! Igumbi loncedo olukhawulezayo! Billionaire! Ixesha lokuqwalasela inkomfa yenkcazelo.
Kodwa ukuba uBuffett wayenokuthi athathe inkundla kwixabiso lokutshala imali - ifilosofi eyimfihlelo eyamenza ibhiliyonaire kwindawo yokuqala - kulula ukucinga ukuba ukufumana ingqalelo kubangelwa ukuxela kwangaphambili kwindleko yokunyuka kwesantya.
Oku kuchaza ukuba kutheni uYohane iGazi, i-CEO kunye negosa eliphezulu lotyalo-mali be-Advisors abaSebenzayo ePhiladelphia, likhethile ezimbini kwi-market barometers kumajelo afanelekileyo okubukela: "Nokuba i-ESPN okanye i-Food Network."
Ngamanye amazwi, ukucaca ngokucacileyo kwintsimbi yesandapu yaseWall Street "igcina abatyala-mali bajolise kwizinto ezibaluleke ngokwenene," kusho igazi. "Indlela yokutshala imali kufuneka ijoliswe kwixesha elide. Njengomnye wabacebisi bam kwi-shishini, "Utyalo-mali lufana nebhodi yesepha ... xa usebenza ngakumbi, ungaphantsi uphelile."
Umdlalo wokuhlukanisa: Xa ababukeli bebaBuchule, kuyingozi
Kukhona ingqumbo phakathi kwalabo abatyala imali kwi-news-header news: Kwinqanaba abaye bajonge kuyo, bahlala bezenzela zona.
URobert R. Johnson, umongameli kunye ne-CEO ye-American College of Financial Services, esekelwe kwindawo yaseFiladelphia. "Bafuna ukufumana inzuzo ngokukhawuleza, ngokuphindaphindiweyo kuthatha isikhundla kuyo yonke imizuzu embalwa ukuya kwiinyanga-kodwa kungekhona ixesha elide."
Ukuba akukho nto, iimarike ezithintekayo zemakethe zihamba zizibumba ngexesha. "Abatyalo-mali bathabatha isikhundla sokuba ixesha elide - beqonda ukuba abakwazi ukuchaza ngokuchanekileyo i-vagaries yexeshana yeemarike. Ndikholelwa ukuba abaninzi abatshali-mali abalingana nokulinganisa nokutyalomali."
Kwaye ke, ihlamba ibali elidala: Isidoda kunye nemali yakhe yahlukana ngokukhawuleza.
UJohnson uthi: "Abaxeli bekholelwa," ukuba ukutshintsha ngokukhawuleza ukusuka kwisitya-mali esisinye kuya kwesinye isicwangciso esilumkileyo, xa, ngokwenene, ngumdlalo wezilumko. "