Indlela esondela ngayo ulwabiwo-mali kwiNkampani yam kunye naseNtsapho yam
Ithemba lam enjenjalo kukuba liyakunceda ukuba ubeke iipotifoliyo yakho kunye nokwenza ubomi bakho bezemali ukufezekisa oko ufunayo kwiindawo zakho zokutshala kunye nezoshishino. Imali, emva koko, ayikho into engaphezu kwesixhobo. Ngokukubeka ekusebenzeni kwakho ngendlela enengqiqo, ezalisekileyo, unokuyonwabela impumelelo ebaleni ebomini kunye nomngcipheko omncinci.
Uhlobo lwe-Asset # 1: Labo Abadala Ukubuyiselwa Okuphakamileyo Kwisabelo-mali, Ukugxotha I-Cash Eyona Ninzi Kwingxowa-mali Eyona Ncinci Kodwa Inokuthi Ikhulile Kodwa Inokuthi Ikhule Ngokwenene Ukubuyisela Inzuzo Kwi-Business Business Yokunyusa.
Le yintlawulo yesibini efanelekileyo kakhulu kuba ungayifumana inzuzo enkulu kwimali encinci. Ukuwa kukuba kukufuneka uhlawule zonke iintlawulo njengezahlulo okanye uvuselele kwiimpahla eziphantsi ezibuyiselwayo ngenxa yokuba umsebenzi ongundoqo awukwazi ukwandiswa ngokusebenzisa izongezelelo zeengxowa-mali.
Cinga nge-patent kwisixhobo esenza ikhulu lamawaka eedola ngonyaka.
Kukho okuncinci kwiimfuno zokutshala imali emva kokuba imali iqala ukuza kodwa awukwazi ukuyibeka kumaziko abenzi abenzi abaninzi kwizinga elifanayo lokubuyela. Ngokungafani nohlobo lokuqala lwe-asethi, awukwazi ukubeka loo mali ukuze usebenze kwinqanaba elifanayo (ufumana isheke lokuhlawula i-patent kwaye kufuneka ufumane enye into ekhangayo kanti uRay Kroc kuMcDonald wakha enye indawo, edala ngokuphindaphindiweyo okufanayo indawo entsha kaMcDonald njengoko wenzayo kumdala.)
Ngexesha elithile, onke amashishini angama-# 1 aya kuba ngamashishini angama-# 2. Oku kuya kwenzeka ngokugqibeleleyo. Xa loo mzuzwana ufikeleleke, ulawulo lunokuqala ukubuyisela imali eninzi kubanini-nxaxheba kummandla wezinga eliphezulu lokuhlawula igalelo kunye / okanye izicwangciso zokuthengwa kwempahla esenzelwe ukunciphisa izabelo ezipheleleyo.
Uhlobo lwe-Asset # 2: Labo Abadala Ukubuyiselwa Okuphakamileyo Kwisabelo-mali, Ukugxotha Imali Eyingqalileyo Kwi-Investment Encinci kodwa Ayinakwandiswa Ngokubuyisela kwi-Asset ephantsi.
Le yintlawulo yesibini efanelekileyo kakhulu kuba ungayifumana inzuzo enkulu kwimali encinci. Ukuwa kukuba kukufuneka uhlawule zonke iintlawulo njengezahlulo okanye uvuselele kwiimpahla eziphantsi ezibuyiselwayo ngenxa yokuba umsebenzi ongundoqo awukwazi ukwandiswa ngokusebenzisa izongezelelo zeengxowa-mali.
Cinga nge-patent kwisixhobo esenza ikhulu lamawaka eedola ngonyaka. Kukho okuncinci kwiimfuno zokutshala imali emva kokuba imali iqala ukuza kodwa awukwazi ukuyibeka kumaziko abenzi abenzi abaninzi kwizinga elifanayo lokubuyela. Ngokungafani nohlobo lokuqala lwe-asethi, awukwazi ukubeka loo mali ukuze usebenze kwinqanaba elifanayo (ufumana isheke lokuhlawula i-patent kwaye kufuneka ufumane enye into ekhangayo kanti uRay Kroc kuMcDonald wakha enye indawo, edala ngokuphindaphindiweyo okufanayo indawo entsha kaMcDonald njengoko wenzayo kumdala.)
Ngamanye amaxesha onke amashishini angama-# 1 aya kuba ngamashishini angama-# ohlobo. Oku kuya kwenzeka ngokugqibeleleyo. Xa loo mzuzwana ufikeleleke, ulawulo lunokuqala ukubuyisela imali eninzi kubanini-nxaxheba kummandla wezinga eliphezulu lokuhlawula igalelo kunye / okanye izicwangciso zokuthengwa kwempahla esenzelwe ukunciphisa izabelo ezipheleleyo.
Uhlobo lwe-Asset # 3: Abo Baxabisa Ngaphezulu Kwezinga leMveliso yexabiso kodwa bavelisa AkukhoKhowulo lweMali
Cinga ngemali ebunqabileyo okanye ukuqokelelwa kobugcisa obuhle. Ukuba oogogo nomkhulu bakho bane-Rembrandt okanye i-Monet, kuya kubaluleka izigidi zeedola namhlanje ngokumalunga nokutshala imali encinci. Nangona kunjalo, ngaphezu kweminyaka yakho intsapho yakho inayo, awuyi kukwazi ukusebenzisa ukuxabisa kwi-asethi ukuhlawula irenti okanye ukuthenga ukutya ngaphandle kokuba uboleke kuyo, ukukhathazeka kweendleko .
Yingakho ezi ntlobo zeempahla zihlala zingcono kwizinto ezinokuthi zishiywe kwabo ba no-A.) Abachaphazelekayo ukubamba ngenxa yokuba banobuncwane obuninzi kunye nezinto eziphathekayo kwiindawo ezithile ukuze ukubophelela imali kwimali-mali ayikho umthwalo okanye ubunzima kwintsapho kunye / okanye B.) Abo banomdla omkhulu kwiimarike eziqokelelwayo kunye nokufumana ukuzonwabisa okuninzi kwizinto zokuzonwabisa ukuqokelela (ukupenda ioli, iwayini, iimali zemali, amakhadi e-baseball, iidyhula ze-Barbie ze-vintage - uluhlu alukho pheleni). Aba bantu bawunqobile-phambili kuba bafumana uluntu kunye nenjabulo ekwakheni ukuqokelela kunye neenzuzo zemali ibhonasi eyongeziweyo.
Ndiya kwangoko kukuthi akufanele uqokelele nantoni na ongayithandi ngayo.
Uhlobo lwe-Asset # 4: Abo "ZiiNtengiso zexabiso" kwaye baya kuhlala behamba ngexabiso
Ngaba uye wakha wabukela i-movie yakudala waza weva umzali weentsapho esilumkisa abanye ukuba "bafihle i-silverware" xa umntu ephilileyo ebonakala emnyango? Ezinye iimpahla zithengwa ngokwaneleyo ngokwaneleyo kangangokuthi ziyakwazi ukuhamba ngexabiso lokunyuka kwamaxabiso, ngokucinga ukuba uthenge ngeengqiqo kwixabiso eliphantsi kakhulu onako. Nangona kungenjalo ukutyalo-mali okwenyani, banikezela ngophawu olungasetyenziswa kwiimeko eziphuthumayo ezinjenge- Great Depression .
Umzekelo weklasi welo hlobo lwempahla ifenitshala ephakamileyo ephezulu ithengwa kwiimarike zesekondari kubathengisi bamandulo okanye kwintengiso; ifenitshala evela kubakhiqizi abanjengoB Baker, uHenkel Harris, okanye uBernhardt. Kubonakala kungenangqondo kumntu ocebileyo ukuhlawula i-$ 18,000 kwi-wardrodi ye-19 kwi-Sotheby's kodwa, ekufumaneni ukuba yenziwe ngobuqili, ngokuqinisekileyo iphela ingapheli nje ukugcina ixabiso layo kodwa ibetha izibophelelo kwixesha lokubamba!
UDkt. Thomas J. Stanley kwiYunivesithi yaseGeorgia wenza uphando malunga nobutyebi eMelika. Ufumene la mabhinqa afanelekileyo amadoda namabhinqa aneepenchant yokuthenga izinto ezidlulileyo ixesha elide kakhulu. Bathanda ukuhlawula ngaphezulu kodwa bafumana indleko ephantsi kwindlela esetyenziswayo kwixesha elide, bahlalutye yonke into phantsi kwetafile yabo yokudlela ngendlela efanayo neCFO yenkampani inokuhlalutya uhlahlo lwabiwo-mali lwenkcitho entsha. Ngokwahlukileyo, iqela elihlwempuzekileyo nelisisigxina lizithenga iifenitshala ezilahlayo ezinokuhlala iminyaka embalwa, idlalwa ngamabhodi, kwaye iphelela ekuhlahleni. Kungekudala ngaphambi kokuba babuyele esitolo, bachitha imali emininzi, baqhekeza imali ukuze bathathe indawo.
Awunakuze ufune imali eninzi kulezi ntlobo zeempahla kodwa ukuba uhlala ngaphandle kwetyala kwaye izinto ziya ezantsi, uya kuba unxweme ekugqibeleni kwehlabathi kwezoqoqosho, ukuthuthuzela kunye nezinto unokuthengisa ngokutya okanye iibhamu.
Uhlobo lwe-asethi # 5: "iiSitolo zeNtengo" eziya kuhamba ngexabiso elithintekayo kodwa zibe neendleko ze-Frictional, ngaloo ndlela ziguqula zibe yimpembelelo ngokuba zifuna iCash Out of Pocket yakho
Le yilapho igolide, i-real estate, kunye ne-Steinway ezinkulu pianos ziwa.
Ukujonga emva kwimiqulu yamashumi amabini eminyaka, ngexesha elide, okulungileyo kwizinto ezinokuthi zenzeke kukugcina umntu okanye intsapho yokuthenga kwi-parity, ngaphantsi kweendleko zokugcina nokukhathazeka malunga nezinto eziyimpahla yazo yonke loo minyaka.
Ngamanye amazwi, iiklasi ze-asethi zingakugcina zizityebi, kodwa aziyi kuyenza isityebi ngaphandle kokuba usebenzise ixabiso elikhulu lokuphakamisa ukubuyisela ukubuyisela phantsi kwe-equity . Ngokwenyani, oko kuthetha ukuba siza kuba namaxabiso emali ephezulu, kuya kulungele ukusebenzisa umyinge ngokuboleka ukuthenga impahla okanye ukufumana i-future future (kunye neengxaki ezikuyo - kulungele ukuba kuthathe ukuhanjiswa kwezinto eziphantsi golide, nangona ubeka nje i-bullion yegolide njenge- Eagle yaseMelika , iCanada Maple Leaf , iVienna Philharmonic , okanye i- Gold Krugerrand zemali nangona iindleko zokuthutha kunye nokugcina ukuba ucinga ukuba ihlabathi liyahlukana ukuze ungadingi ukuxhalabisa ngomngcipheko wokumelana).
Yingakho ubona ezininzi iintsapho ezizityebi zibandakanya into eyaziwa ngokuthi "ukulingana ngokulinganayo" (zikho izizathu zokukhusela iimpahla zokwenza kodwa iindleko zezoqoqosho zilinganayo, ukuba akukho ngaphezulu, kubalulekile, kwimbono yam).
Nanku ukujonga ngokukhawuleza kwendlela esebenza ngayo:
Masithi unemizi eyi-$ 1,000,000 kwi-Southern California. Ukuba ubungenayo imali kunye nepropati exabisekileyo kwi-5%, kwiminyaka engama-30, yayiza kuba nexabiso le-4,320,000. Ngoku, ngokusobala, uye waphuma iindleko zokuxhatshazwa - iinshurensi zabanini, ukufudumeza, amanzi, njl.
- ngenxa yelo xesha kodwa kwaye unobuncedo bokuhlala kwipropati. Ukubuya kwakho ngaphandle kwemali kuya kuthi kungabonakali. Ubungayi kulahlekelwa ngamandla okuthenga emva kokulungiswa kweendleko ezihambelana nesiseko sokuhlaziywa kwamaxabiso naphezu kokuba "inzuzo" ye-$ 3,320,000. Ngoba? Ngenxa yento enye ebalulekileyo: Amandla okuthenga konke okubalulekileyo . Okubalulekayo kwipokothoni yentsapho yakho kwinani lama-hamburgers, okanye i-pianos, okanye ipeni, okanye iikomityi zekhofi, okanye nayiphi na into ofuna ukuba uyifumane. Ubutyebi kufuneka bulinganiswe kumandla athile okuthenga, kungekhona nje idola okanye amanqanaba asethi.
Ukuba awufundi nto enye kwizigidi zamagama endibhalileyo kule minyaka, ndiza kwenza umsebenzi wam. Igunya lakho lokuthenga ngumkhokeli wakho. Amandla okuthenga yinto ebalulekileyo.
Ukuba, ngakolunye uhlangothi, intsapho ibeke phantsi i-$ 250,000 kwaye ibole imali engama-$ 750,000 ukuthenga ipropathi eyayifumana i-$ 3,320,000 iya kulwa ne-$ 250,000 yokuqala-mali. Ukubuyela kwabo ngokulinganayo ngaphambi kokuba iindleko zokuthenga imali zibe zi-14.47%, zibethe amasheya . Ngokuqinisekileyo baya kuba neendleko zentengo yokubolekwa kwempahla, okumele kuhluthwe ekubalweni kwerhafu ephantsi abaye bahlawulwa ngeli xesha, ngoko akunakwenzeka ukuba i-propati yayiza kubetha i-market.
Kwiinkoliso ezininzi, akunakucingela kuba i-estate real estate iyabanika ukuba bavelise ubutyebi boqobo , bakhiwe ngendlela yokulingana kwekhaya ngelixa benesidingo sokuhlala kwipropati. Nangona ama-stocks okanye amashishini abucala ayenokubuyisa imbuyekezo ephezulu, awukwazi ukuhlala kuzo.
Ingozi yokusebenzisa umyinge onjengelo monakalo onokuyenza xa kuthengwa amaxabiso, okubangela ukuba kuninzi, mhlawumbi nokuchithwa kwe-bankruptcy-inducing, losses.
Ukongezelela koko, kukho iimeko "ezikhethekileyo" kwiindawo ezingenasici ezingabandakanywa apha kwaye zinokuba zikhangeleke kakhulu kumtyalo-mali ofuna ukubeka ubutyebi kwimilinganiselo yokubuyisela kwiminyaka emininzi. Abo banokuqonda kunye namava ukuthenga ukhetho lwezindlu, ngokomzekelo, kwaye bangajika baza bathengise ipropati ngokufanelekileyo ukulawula "ishishini" ngeempawu ezihambelanayo ne-Asset Type # 1 okanye # 2, kuxhomekeke kwiindlela zabo kunye neemeko .
Inyaniso yokuba i-asethi esezantsi iqukethe umhlaba obonakalayo okanye izakhiwo ezingabonakaliyo (njengengqungquthela - inkomo yinkampani ephantsi yokubuya njengoko i-real estate kodwa iMcdonald idibanise le mibini ibe yinkqubo esekelwe kwimodeli ye-franchising eyenza ukubuyiswa okuphezulu okungenakukholelwa ngokulinganayo kubaphathi abanini-mali kwiminyaka emashumi).
Ngokufanayo kudla ngokubhekiselele kwigolide, kuphela kuphela umngcipheko ophezulu ngokusebenzisa umyinge ngenxa yokuba iimarike zeemveliso zithembeke kakhulu kuneemarike zezobulungisa kunye nezibophelelo . Ukulahla okuncinci okungekukulimaza kwiisitokhi kunokusula ngenxa yeefowuni zokugcinwa kwemida kwizinto ezininzi zokuthengisa . Oku kuya kwamkeleka ukuba igolide isetyenziswa kumntu oqhelekileyo onjengendlu. Akumane nje, ngaphandle kokuba ungumvelisi wezentengiselwano oye wafuna iimfuno zoshishino lwakho oluphambili kwaye ukulungele ukwenza iibhendi ngokubhekiselele kumanani.
Ngaloo ndlela, indoda efuna ukutshala ngaphandle kokukhathazeka ngokulahlekelwa yinto yonke ishiywe ukuthenga i-bullion, ngokuphindaphindiweyo ngendlela yemali yegolide, ngokuchanekileyo ngemali. Oku kuthetha ukuba ngaphandle kokuba abone enye yezinto ezimbalwa, ama-booms angabonakaliyo kwixabiso legolide (i-1980), akanakuze akhulise ubutyebi bakhe ngaphezu kwexabiso lentengo kwixesha elide. (Kukho enye imeko engaqhelekanga apho igolide ingaba utsalo-mali okhangayo kwaye kwenzeka xa ixabiso lempahla engaphantsi komhlaba liwela phantsi kweendleko zokuvelisa umhlaba. Kwababantu abanemithombo yokusebenzisa le meko, kunye nengqiqo yokwazi ukuba ingaba yiminyaka embalwa ngaphambi kokuba kwenzeke ukwenjenjalo ukuze bagweme ukupheliswa kwintengo yokutshintsha kwexabiso, kunokuthi - ukuba uya xolela intetho - igolide yegolide.)
Oko kwathiwa, ukugcinwa kwexesha elide, igolide ayifuni ngokukodwa. Ixesha lokugqibela ndakhangela izinga lokunyuka kwamaxabiso li-$ 1.00 ngokumalunga ne-$ 1.01 - i-1% yokubuyisela ngokwenene kwiminyaka emakhulu amabini. Kwakhona, imimiselo yangempela-oko kukuthi, ukunyuka kwamaxabiso kulungiswe - konke okubalulekileyo. Kungakhathaliseki ukuba ulinganisa njani - iidola, iigobol shells, amazinyo e-shark - konke okubaluleke kakhulu kukufumana amandla amaninzi okuthenga ngokumalunga nokutyalomali lwakho. Yithethe ngokuphindaphindiweyo kuwe.
Enye inkxalabo yabanini bexesha elide bezinyithi ezixabisekileyo, ngokuchasene nokuthengiswa kwexesha elifutshane apho, njengoko ndacacisile, kunokuba luzuze kakhulu abo baziyo oko benzayo nangona kunobungozi obukhulu bokungcolisa, ngaba kukho kaninzi inkolelo ephosakeleyo yokuba inikezela ukukhuselwa kwexesha lokuhlaselwa. Kwabo abanolwazi olunjani lwembali yezemali, kubonakala kungenangqondo kuba uRhulumente uya kwenza nje oko wakwenza ngawo-1930-ukuba iibhokisi zepositi ezikhuselekileyo zingenakuvulwa ngaphandle kolawulo lwebhanki okanye igosa ukuqinisekisa ukuba akukho zinyithi ezixabisekileyo zazingaphakathi.
Abo baphula le mithetho babephantsi kohlwayo olunobungozi.
Ukukubeka ngokungaqhelekanga, ukuba ihlabathi liye laya esihogweni, indlela kuphela yokufumana ukusetyenziswa kwegolide kuya kukugcina kwisigodlo saseSwitzerland apho kungekho mntu wayazi ukuba uhleli okanye uzimisele ukubeka umngcipheko kwimarike emnyama yasekhaya eya ngokuqinisekileyo ukukhula ukuba idoli iya kwiJamani yokuvuselela amanqanaba e-hyperinflation. Oku kungenziwa kuphela ngokungafuni ukubika ingxelo ye-bullion kwi-Rhulumente wase-United States, ukwenza ulwaphulo-mthetho okwangoku kwimeko ezayo yengomso. Kwakusoloko kubonakala ngathi i-radios kimi ngokubhekiselele ekubuyiseni okungcono kwezinye iiklasi ze-asethi .
Ndimele ndibonise ukuba eli candelo lisebenza kuphela kwi-bullion. Iindleko zemali zegolide zivame ukuwela kwicandelo le-asethi uhlobo # 3. Baxabiseke ngokwabo ubuncwane obenza ukuba bathengise ngokuzimeleyo kwixabiso lentengo. Yinto ehluke ngokupheleleyo.
Uhlobo lwe-asethi # 6: Iimpahla zabaThengi okanye ezinye iiAfa ezithe zahlawula ngokukhawuleza ngexabiso elincinci okanye elingahlawuliyo
Ngaphandle kokungathandabuzeki, xa ukhangela idatha kunye nophando, le yindlela abaninzi abantu abachitha ngayo imali yabo yokuhlawula. Ukususela kwimidlalo yeqonga yevidiyo kwiimoto ezilahlekelwa ngamashumi amawaka eedola ngelixa uzigxotha kwiqashiso, izambatho ezintsha kwizinto ezintsha kufuneka zibe negajethi uya kuzilibala kwiminyaka emibini, oku kukufumanisa kumakhaya amaninzi BaseMerika.
Mhlawumbi indlela esheshayo yokuqinisekisa ubuhlwempu, okanye ubuncinane indlela yokuphila yokuhlawula i-paycheck-to-paycheck , kukuthenga i-asethi ye-Type # 6 kunye netyala:
Ixabiso lentengo eliphezulu kakhulu kwi-tax after-tax basis (cinga ukuba umboleko webhankini kwi-10% yenkampani ene-35% yerhafu yentlawulo efanelekileyo ngaphantsi kwe-card balance card).
2. Ixesha elide lokukhula / ukulungiswa kwexesha lokubanjiswa kweemali kunokuba ixabiso le-salvage ye-asethi ephantsi (umz., Ukuboleka imali engama-3,000 amawaka ngeminyaka emihlanu ukuthenga ithelevishini ephakamileyo eyobe yinto, nangenxa zonke iinjongo kunye neenjongo, ezingenanto ngexesha elihlawulwa ngayo ityala) .
Le yeso sizathu sokuwina i-lottery siyaqhekeka. Le yeso sizathu seNFL kunye neNBA zeenkwenkwezi ziphelela emva kwindlu yokuphucula ilandelayo emva kwesikhokelo esilandelayo. Le yeso sizathu sokuba imali yokuthembela iphelile. Jonga kakhulu ngepesenteji yakho yokuhamba kwemali oyifakile ukusebenza kuloluhlu njengendleko enqabileyo.