1. Imali Yenza Ukuthengisa Ixesha Lakho
Le yintsimi yengeniso yokuba amakilasi aphakathi naphantsi aqwalasela okubaluleke kakhulu.
Yimali oyifumanayo ngokuthengisa ixesha lakho kumqeshi. Ngokuqhelekileyo imelwe njengomvuzo okanye umvuzo. Uyakuziva uvakalelwa abazali abanenjongo yokuxelela abantwana babo ukuba bafumane "umsebenzi omhle", mhlawumbi omnye "ngeenzuzo".
Isilinganiso osifumanayo ngexesha lakho kuxhomekeke kwinto enqabileyo kunye nokufunwa kwezakhono zakho kuluntu. Ngokomzekelo, unogqirha onobuchopho onobuchule, ungashawula izigidi zeedola ngonyaka ngenxa yokuba akukho nto ininzi yamadoda nabasetyhini abanokwenza umsebenzi. Umntu oqhube iikotishi kumthengisi osaphulayo uyafumana ubuncinci ngenxa yokuba bangabalulekanga njengowomntu, kodwa kuba kukho umntu onempilweni enokubangela ukuba atshaye inqwelo, kubangela ukuba baninzi abanokufumana umvuzo.
Ukuze ufumane imali engaphezulu, kufuneka utyalole kuwe kwaye uphucule umyinge onako ukuwuhlawula, usebenze iiyure ezininzi okanye udibaniso lwababini. Olu hlobo lwenkokhelo luhlobo oluthile lwenkohlakalo oluthile lokufumana ubomi ngenxa yokuba uvelisa imali xa usebenza nzima.
Ummeli oqaqambileyo angafumana izigidi zeedola ngonyaka, kodwa akakwazi ukuqhubeka nokuphila kwiimali zomthetho ukuba akasebenzi. Oku kunokwenzeka ukuba uyayithanda umsebenzi wakho, kodwa kubantu abaninzi, kukho ezinye izinto abaza kuyenza.
2. Imali yeNzuzo kwiRente yeMali
Olu hlobo lwenzuzo luvela kwimali ebolekayo ekuhlawuleleni ukuba "urente" inkunzi yakho (i-capital capital ibhekisela kwimali oyibeke ecaleni kwinjongo yotyalo-mali; uya kuyiva ityenziswa kakhulu kwiWall Street ).
Xa uthenge isitifiketi sedizithi ebhankini, umzekelo, uboleka imali kwibhanki ngokutshintshisa izinga lokubuyisela eliqhelekileyo, ngokuqhelekileyo amanani epesenti ngonyaka. Ibhanki ithatha imali "i-rents" evela kuwe kwaye iyawuboleka ngentlawulo ephakamileyo, ukukhawuleza umahluko. (Kwaba bantu abanomdla, yile nto i-curve isivuno ibaluleke kakhulu.Ubuhlobo phakathi kwexesha elifutshane kunye nexesha elide.) I-curve isivuno, imali eninzi ibhanki yakho inokuyenza kwisatifikethi idiphozithi okanye i-akhawunti yokulondoloza onayo.)
Umzekelo wemali engenayo inzala: Ugogo ugxotha imali kubantu abafuna ukuthenga indlu kodwa abanokwenziwa ngetyala kwaye abanako ukufumana imali ngemali yendalo. Bathenga ipropati kwaye uyaboleka imali ukuba baxhaswe ukuthenga, ukuhlawula inzala ye-13 ekhulwini. Imali mboleko yemali eyi-150,000 yemali, uya kufumana i-$ 19,500 ngonyaka ngenzuzo yengeniso, okanye i-$ 1,625 ngenyanga. Ngokwenene, imali yakhe iyaphuma kwaye iyisebenzela.
Ukuqonda indlela abatyali-mali abangayenza ngayo imali kwimali engenayo ngokuthenga izibophelelo, thabatha ixesha elide lokufunda izibonda 101 .
3. Intlawulo yeNgeniso evela kwiNzuzo kwiBhishini elithathiweyo
Oku kubonisa isabelo sakho seenzuzo zenkampani apho uthenge khona utyalo-mali.
Ukuba unama-50 ekhulwini lokuma lemonade kwaye inkampani inokuthengisa i-$ 1,000 ngeendleko ze-$ 500, kunye ne-$ 500 kwi-profit benefit, isabelo sakho saloo nzuzo siya kuba yi-$ 250 (kuba ubunini bakho bee-50 ekhulwini zezabelo banelungelo lokufumana ama-50 ipesenti yenzuzo). Le mali ihlawulwa kuwe njengokuba "unqunyulwe" kwimivuzo. Utyalo-mali olungileyo yinto apho inkampani ifumana iminyaka emininzi emva konyaka, ukwandisa inani lemali elithunyelwa kuwe rhoqo.
Njengengeniso yenzalo, ingeniso yesabelo semali kukuba imali yakho iyaphuma kwaye ikusebenzela. Kukho iifom zabasebenzi, nangona kunjalo, ezinokufakwa kuloluhlu. Umthengisi ofumana ama-commissions kwiimyalelo eziphindaphindiweyo onomsebenzi omncinci okanye ongenawo msebenzi, okokuthi, uqhuba ishishini. Ngako-ke, indoda leyo ibhalisa i-patent entsha kwaye ifumana imirhumo kuyo okanye umbhali womculo ofumana imali xa inkwenkwezi yokurekhoda ikhetha ingoma yakhe entsha.
Benza inzuzo kwi "ntengiso" ephindaphindiweyo yeengcamango zabo okanye impahla, okwenza ukuba ihluke kuneWal-Mart okanye i-Target yokuthengisa impahla yokuhlamba impahla.
Umzekelo wemvuzo: Ininzi ugogo aneendawo ezithile zokuqashisa. Uthenga i-real estate aze ahlawule abaqeshi imali yokuhlala ezindlwini zakhe. Kule meko, ishishini lakhe lokuqasha livelisa inzuzo elinganayo nenkokhelo epheleleyo efumana ngaphantsi naziphi iindleko, ezifana nokugcinwa kunye nokuphuculwa kwiipropati. Ekupheleni konyaka xa ethatha imali ngaphandle kweshishini, ezo ntlawulo zimelela inzuzo yengeniso.
Ukuqonda okuphambili kweegalelo, funda konke malunga neMida . Kuya kuchaza ngokoqobo into onokuyidingayo ukuba uyazi malunga neentengo, ukuba ziphi, ukuba zihlawulwa njani, kwaye zininzi.
4. Imali yeNgeniso yeNzuzo
Olu hlobo lwenkokhelo lwenziwa xa uthengisa utyalo-mali okanye i-asethi ngentengo enye kwaye uyithengisa kwenye, ixabiso eliphezulu, ukwenza inzuzo. Ukubuyela kumzekelo wethu we-lemonade stand, ukuba uthenge i-50 yakho yepesenti kwishishini nge-$ 2,000 kwaye uthengise nge-$ 5,000, u-$ 3,000 umahluko uza kubonisa inzuzo yakho.
Akunandaba nokuba uthetha ngezindlu, iimifanekiso eziqabileyo, idayimane, ipenki yomthombo, amashishini, ifenitshala, iimali zemali zeCanada ze-Gold Maple Leaf , amasheya , amabhondi , iimali eziphathekayo , okanye i-unintened mint imeko, i-Barbie doll, xa uthenge enye xabiso kwaye lithengise kwelinye, inzuzo eyenziwa ngokuba yi-capital gain (ukuba ulahlekelwe yimali kwi-transaction, yaziwa ngokuba yilahleko enkulu). Kwiminyaka yakutshanje, abaninzi baseMelika bafumene umgangatho wokuphila owenziwe ngethuba ngexesha lokuhlaselwa kwezindlu ngenxa yokuba iindleko ezinkulu ezibangelwa emakhaya abo ukuxabisa ngexabiso kwakuyimvelaphi yengeniso ababecinga ukuba iya kuqhubeka ngonaphakade.
Ukubuyela kumakhulu, ukuba uthengise enye yezindlu zokuqashisa ezithenge i-$ 80,000 kumthengi ozimisele ukuhlawula i-$ 120,000, ngoko u-$ 40,000 umahluko umela inzuzo yakhe.
Iinzuzo zokusebenzisa zonke iindidi ze-4 zeNgeniso kwiPortfolio yakho
Njengoko iphothifoliyo yakho (igama elisetyenziselwa ukuchaza yonke ifa elikuyo) likhula, uya kufumana ufumane zonke iintlobo ezine zentlawulo yengeniso. Kwinqaku eliphambili kakhulu elibizwa ngokuba njani ukusebenzisa i-Berkshire Hathaway Model kuBomi Bakho , ndichaza indlela eyimfihlo yokuzimela kwezimali kwangempela kukusebenza ngokuzikhandla ukwakha iqoqo "yeenjini ezivelisa imali" ezenza inani elikhulu leentlobo ezintathu zokugqibela lweengeniso-mali-inzala, isabelo kunye neenzuzo ezinkulu.
Izizathu zininzi kwaye ziquka:
- Imali eyenza ukuthengisa ixesha lakho (umvuzo kunye nemirholo) ihlawulwa irhafu kwizinga eliphezulu kakhulu kunezinye iintlobo zengeniso njengoko kuxoxwa ngokubanzi kwiNtshukumo Yakho Yenkunzi Yenzalawulo Enkulu - I-Taxroll Tax kunye nayo yonke iNgeniso ayilwanga ngokulinganayo . Inyani le nto, ukuba unokwenza i-$ 5,000 kwingeniso ye-dividend , mhlawumbi uhlawula i-$ 750 kuphela kwerhafu, kanti ukuba u-plumber oqeshwe ngokuzimela kwaye waphuma waya ku-$ 5,000 ngomsebenzi onzima, emva kweerhafu zomvuzo, iirhafu ze-Federal, i-State irhafu, kunye nezinye iindleko, uya kuphelisa ukuhlawula ngaphezu kwama-2,000.
- Kukho iiyure ezingama-24 kuphela ngosuku. Ngaloo ndlela, ungasebenza kuphela iiyure ezininzi. Ngexesha elithile, kuba nzima ukuthengisa ixesha lakho kuba, ngokuqinisekileyo, waphuma ixesha! Unako ukwandisa izinga ofumana ngalo ngokuphuhlisa izakhono ezingaqhelekanga ezifunekayo, njengoko sele sithethe ngazo. Ngomdla, isabelo, kunye neenzuzo ezinkulu, akukho mida ekungakanani okungawufumana. Ukuba ngamnye unyaka, uphawula imali yakho ekukhuleni le mithombo, unokufumana ufumana iimali zama-dollar ngonyaka ngeminyaka embalwa ukususela ngoku.