Iingcebiso zokwenza imali kunye nokwakha ixabiso lakho

Kick Qala Inkqubo Yokukhulisa Impahla Yakho Efanelekileyo

Ukwenza imali ayinzima kakhulu kuninzi abantu abanokukukholelwa. Izindlela zokudibanisa ubutyebi bakho azipheli. Ukuyibeka ngokucacileyo, xa ndandibhala ekuqaleni kweli nqaku, ngokwemibiko ye-Federal Reserve Flow yeNgxowa-mali , ukubaluleka kwazo zonke iimpahla e-United States ekupheleni kwekota yesithathu 2011 bekuyimali eyi-71,119,600,000,000. Ufunda le nombolo ngokuchanekileyo: Ngaphezu kwama-dollar ayi-71 yezigidigidi .

Ngokwithuba kunye nokugxininiswa kwengcebo, noWarren Buffett , ngokuqinisekileyo umtyalomali omkhulu kunabo bonke, ufanelekile inxalenye yeqhezu lepesenti enye. Ngethuba elifanayo, ukuhlawula umthamo wendlu (i-assets minus liabilities) kumile kwi-$ 57.4 trillion.

Ukuze uphile ubomi obufunayo, kufuneka ulungelelanise indawo engabalulekanga, inxalenye engapheliyo ye-$ 71 trillion kwi-balance sheet yekhaya ngokwenza imveliso yoluntu kunye neenkonzo ezinqwenelayo okanye ezifunayo. Ndithethe kaninzi kwiiblogi zam, kodwa kuyafaneleka ukuphinda: uRay Kroc uthengise i-cheeseburgers, uMary Kay wathengisa iifenethi, uRose Blumkin uthengisa ifenitshala, uBill Gates wathengisa isofthiwe, uSam Walton wathengisa yonke into esuka kuma-spatula ukuya kwenyanga. Ufuna nje ukuba ufumanise ukuba ungayinikela ngenzuzo ukuze uqalise. Ukuba ugqirha, uthengisa ixesha lakho lokuhlawula ngokuphilisa abantu. Ukuba ungumfundisi wesikolo, uthengisa ixesha lakho ukufundisa abafundi ukuba bahlawule.

Ukwelula kunzima kwendlela endleleni eya kwimpumelelo yezemali iqalisa. Abo bafumene ukuzimela kwemali bayazi ukuba xa wenzayo, i-$ 100,000 yokuqala yinto enzima ukuyigcina . Enyanisweni, ukuqala kokungabikho kwanokwenza ukuba ikhulu elikhulu inkulu ibe nzima kunokuba uguqula iidola ezili-10 kwizigidi ezingama-50.

Kungenxa yokuba kungekudala uhambo lwakho, umthamo wakho awukho mkhulu ngokwaneleyo ukulahla imali eyaneleyo yekheshi ukuba ibaluleke. Akufuneki omnye umsebenzi okanye ingqondo ukuba ibe neengxowa-mali ze-Coca-Cola ezingamaRandi ayi-10 000 000 kunokuba ikwazi ukufumana amaxabiso angama-$ 10,000, kodwa lowo owayesakuba ngumntu uza kuqokelela phantse i-$ 3,000,000 ngonyaka ngemali eyimali kwaye $ 300. Imali, njengamaplanethi, idala indawo yayo yokudakalisa. Okona unako, kulula ukwenza.

Izinto ezisisiseko zokulondoloza imali

Ungaqala njani ukwenza imali kunye nokwandisa umthamo wakho? Nazi izicwangciso ezimbalwa kunye nezikhombisi.

• Kukho izinto ezimbini kuphela onokuzenza ukwandisa ubutyebi bakho: 1.) Ukuvelisa imali engaphezulu, okanye 2.) Nciphisa imali ephumayo ebomini bakho. Ndibiza le nto yam mibini ye-levers yokugcina imali.
• Zisebenzise yonke ipenki yemali ekhululekile onokufumana izandla zakho, njengemidlalo yokusebenza yamahhala kwi-401 yakho (k) iminikelo.
• Ukuxhatshazwa kwemali yentlawulo, njengama-401 (k) kunye ne- Traditional IRA yokubhaliweyo, ukunciphisa inani lemali omele uyihambise kurhulumente ngamnye unyaka, ugcine usebenza kakhulu.
• Gxininisa ekudaleni imifudlana ye-annuity kunokuba i-shot-off profit shots. Oko kukuthi, ukuba unayo inkampani yokwakha, musa nje ukwakha izindlu uze uthengise. Endaweni yoko, cinga izindlu zokwakha, uziphathe kakuhle, kwaye uqokelele ii-rents amashumi eminyaka.

• Nika ingqalelo kwiindleko zokuphila kwintengo yakho yokuthenga kungekhona ixabiso lentengiso. Impahla efanelekileyo enokuzibiza ngokuphindwe kathathu ngokunye kodwa ihlala ixesha elingaphumi ixesha elide lilungelelaniso olukhethekileyo olukhethiweyo.
• Qinisekisa ukuba uthengisa izinto ezibambe ixabiso okanye, nangakumbi, zixabisa ngexabiso. Kuyiziphukuphuku ukwenza imali yakho enkulu yemali, ngaphandle kwekhaya lakho, isithuthi. Le mpazamo eyenziwa yininzi yamakhaya aseMerika. Iimoto, iilori kunye neevane zikhulu ngokubhekiselele kulungelelaniso kodwa zithengela imali eninzi, zilahlekelwa yixabiso, zifuna ukugcinwa, i-inshorensi, i-petroli, kunye neengxenye, zonke ezo mazihlawulwe kwiirhafu zerhafu.

Izikhokelo Zokutshala-mali Ukukunceda Uqalise Ngethuba Lokwenza Imali Nokugcina Imali

Emva kokuba ugcine imali encinci, kukho izikhokelo ezimbalwa zokutyala esizibeke ndawonye ezinokuba luncedo kuwe.

Ezi ziqokelelo zamanqaku kunye neengqinisiso zihlanganisa iiklasi ze-asethi eziphambili kunye nezobambiso zemali ezifana nezitokisi, iibhondi, i- estate , kunye nemali-mali .

• Isikhokelo soQeqesho soQeqesho sokuTyala imali kwiShishini
• Isikhokelo soQeqesho soQalelo sokuTyala imali kwiibhanki
• Isikhokelo soQeqesho soQeqesho soTyalo-mali kwi-Real Estate
• Isikhokelo soQeqesho soQalelo sokuTyala imali kwiMual Funds