Izifundo zoBomi zoBomi ezivela kuSihlalo we-McDuck Enterprises
Ukulinda eludongeni kufuphi nedeski kwelinye leofisi zam ngumsebenzi omncinci omhle onomxholo othiwa "Ukuxutywa koButyebi" ngumculi owaziwayo onobomi uCar Barks. Kulo, uScroge McDuck, umntakwabo uDonald, kunye nabazukulwana bakhe uHuey, uDewey, noLeyy balinganisa ubunzulu begolide kunye nabancwane kwi-bin bin. Njengoko ndikhangela kwingxelo yotyalo-mali phambi kwam ngelo xesha, ndisoloko ndicinga ngemfundo uMalume Scrooge andifundise; izinto ezininzi ziyinxalenye yoshishini endiyakhayo ngoku kunye nendlela endyalileyo ngayo.
Kungabonakala kungavumiyo kwabo bangayazi kakuhle, kodwa kungokwemvelo ukuba uMcDuck ungomnye wamaqhawe amabantwana. Njengomntu ozalwe kwintsapho ephakathi, ndiyazi ukuba kwawa kum ukwakha i-fortune ukuba ndiza kuba neyodwa; kwanokuwina iLotto yayingenakunqweneleka kuba yayingeke ifumaneke okanye ifanelwe (abazali bam basebenze nzima kakhulu kwaye kwafakwe kwiqela ngalinye lezingane ). Njengoko ndandifundela uPeter Lynch, uWarren Buffett , uCharlie Munger , uBen Graham kunye nawo onke ama-graats, uSroroge wafaka indlela yakhe kwisakhelo esibandakanyekayo esaba yindlela yam yokutshala imali. Kwakuyingxenye yezifundo endizifundileyo kuye ezandivumela ukuba ndihambe kwi-upstart kungekho nkunzi kunye namava amancinci asebenza kwi-cubicle yamathala eencwadi kunye neengxelo ze-Value Line, i-Bic ballpoint kunye nepaji yephepha kwiimeko zam zangoku nge-gold-rimmed china , ipolisi emihle yomthombo, kunye neenkqubo eziphandwayo zophando ezivumela ukuba ndibeke iliso lwam izibophelelo kwinduduzo yendlu engcwele egcweleyo.
Nazi ezinye zezifundo endizifundileyo kwiRichest Duck ehlabathini. Ndiyathemba ukuba baya kukunceda ukwakha ubutyebi bakho , njengoko bancedisayo.
Ukubambisa amandla oMnotho we-Back Back Economics
U-Scrooge akazange akholelwe kwi-Economic Reacan "yehla". Wayekholelwa kwinto ebizwa ngokuthi "ukunyuka kwezomnotho".
Nje ngewebhusayithi enye ichaza i-theory, "Xa (iSroroge) ihlawula umntakwabo umvuzo wabo weeyenti ezingamashumi amathathu ngeyure uyazi ukuba baya kusebenzisa imali ukuthenga amade, i-fizzy sodas kwimithombo yesoda e kufuphi. Emva koko abantu base-soda bayeza kusebenzisa imali ukuthenga izithako ezingaphezulu kwiifekthi zeekhemikhali, kwaye abantu beefemikhali bayothengisa izithako zabo kwiivenkile zelala zamalahle. Malume Scrooge! Ngelo xesha loo mashumi angamashumi amathathu aphindile kuMalume Scrooge aye akhula ukuya kumashumi angamashumi mathandathu. "
Kubomi bam, oku kwahlanganiswa ngokudala indawo ekhethekileyo ye-e-commerce eyathengisa isambatho esenziwe ngumntu. Intsapho yam ine-factory wholesale eyayikhonze njengenye yabathengisi abakhulu benkampani ngoko xa sabeka imiyalelo kwaye sihlawula iindleko zeempahla ezithengiswayo , imali yathunyelwa kwiqela le-e-commerce, esasinayo, kwiprani, ehlukile shishini esinawo! Ukubonisa ubungakanani beli qhinga, sibeka bucala imali kwifektri kwi- akhawunti ye-brokerage apho yayisetyenziselwa ukuthenga i-stocks, i-bonds, kunye nemali-mali . Cinga nje nge nkampani efana neBerkshire Hathaway eneNebraska Furniture Mart ithengisa i-inshurensi yemoto esuka kwi-GEICO kwaye ithengisa i-Candies ngaphakathi kwe-venkile, nangona ixabiso elincinci.
UkuFundisisa, kwaye ngoko-ke, ukuxhaswa kunye nokufuna ukungafani
Kwimbali enye yeklastiki, inhlekelele ibangela ibhola lika-Uncle Scrooge ukuba ivule ngokubanzi kwaye ihlambe imali phantsi kwabemi baseDuckburg. Ngokukhawuleza bazifumana bezityebi, abantu abaqhelekileyo banikezela imisebenzi yabo yemihla kwaye kunoko bafaka umgcini-mali njengokuba kunokwenzeka. Iivenkile zivaliwe, amapolisa awashiya izithuba zawo, ootitshala bahamba ngeeholide, kwaye izakhiwo zeofisi zishiywe.
Engabonakaliyo, uMcDuck wathatha abantakwabo abanobugwenxa (obenokuqonda ngokucacileyo ukuba idolophu ibetha ifa labo) epulazini ngaphandle komzi. Awuqondi isizathu sokuba iSroroge ayinakuchukumiseka okanye iphazamiseke, bazama ukugxotha kumalume wabo uhlobo loxinzelelo. Engabakhokheli ngqalelo, wabayala ukuba bamncede athathe ezinye izixhobo kwaye abo baqala ukuthunga imbewu.
Njengoko ixesha lidlule, isivuno saqala ukukhula kwaye iintsapho ezibonakala zihluphekile zihlala eplasini.
Ngexesha elichanekileyo izityalo zikulungele, idolophu yayiphelile ukutya. U-Scrooge wabuyela kumntakwabo waza wachaza ukuba ngoku unomthombo wokuphela kwezibonelelo, imifuno kunye nezinye izinto zokutya kuloo ndawo, okwamvumela ukuba abe yinto efunekayo ukuze aphile. Ukwazi ukubiza ixabiso lakhe, kungekudala, uMcDuck ulungele ukuphinda abuyele i-fortune yakhe yonke, ngelixa efundisa abafana isifundo esingabalulekanga kumsebenzi onzima kunye nokuxhaphazwa kwe-supply and curve curve.
UWarren Buffett wade wenza le nto kwipotifoliyo yakhe ngokufumana ithusi xa ukubonelelwa kunye nokufuna ubudlelwane kungabikho kwemali. Kamva, waba neBerkshire Hathaway iphinda iphinda ityala xa ifumana inxalenye enkulu yezinto zesilivere zezinto zesizwe.
Thatha i-Investment Your International
Phantse kuwo onke amabali, uMalume Scrooge ufumana ilizwi kwi-intanethi yehlabathi jikelele yamashishini okanye uhambahamba kwihlabathi ukufumana abagcini bezinto ezincinci kunye nezinto zokusebenza. Kwiminyaka yakhe yokuqala, wenza ubutyebi bakhe kwi Yukon ede kakhulu. Iphuzu lilula: Akukho sizathu sokuba kuphela amasheya kunye nempahla e-United States.
Ngoku, ukuba uqala nje, kungenako ukwenza ingqiqo enkulu ukuqala ukuthenga izitokethi zehlabathi. Nangona kunjalo, njengotyalo-mali-mali, kukho into eninzi ekuthethwa ngayo ngokuphindaphindiweyo ngokuphindwe kabini inani leempahla ezingabonakaliyo onokuzifumana ngokujonga ngaphandle kwemida yaseMelika. Kungekudala, sashicilele ingcezu ichaza indlela umtyalo-mali oqhelekileyo angakwazi ukuthenga ngayo ii-ADR, ezifutshane kumaRecepipts aseMerika, ayenendlela yokufumana amasheya kumazwe angaphandle ngaphandle kokushiya induduzo yelizwe lethu. Kwaphela iminyaka, mna, kunye namalungu ahlukeneyo entsapho yam, sinamalungu e-Tweedy Browne Global Value Fund.
Ukuthengwa kakuhle kuthengiswa kakuhle
I-adage yokuthengisa endala "ithengwe kakuhle ithengiswe kakuhle" inokubonwa phantse kuwo onke amashishini apho uSrooge ethatha inxaxheba (ukonga, ngokuqinisekileyo, ukuba unendenge evulekileyo evulekileyo eya kuyo - uWarren Buffett noCharlie Munger , , uye waxwayisa ixesha elide ukuba kuyiphutha ukuya kwezo zinto, kodwa uAl McDuck akumele afumane icebiso).
Le nto yayisisiseko sendlela yokutsalwa kotyalo kaBen Graham. Ukubuyiselwa kwakho okufumeneyo kuyagqitywa ngentlawulo oye uyihlawula i-asethi (ngolwazi olungakumbi ngalokhu, funda ixabiso liyi-Paramount ). Zonke ezinye zilingana, ixabiso eliphantsi elihlawulayo, umngcipheko omncinci. Oku kwakuyifilosofi yokuba uRose Blumkin wayesebenzisa i-Nebraska Furniture Mart kwaye enze intsapho yakhe ingcebele ngokungakhathaliseki ukuba ayakwazi ukufunda okanye ukubhala.
Ukugcina Ubuninzi Ngamaxesha Wonke
Kunokwenzeka ukuba iSroroge igqithise umgaqo-mali kunye nemali yakhe. Kwamanye amabali, nangona kunjalo, utsho ukuba le yinto nje eyinkunzi yokusebenza yamashishini akhe asebenzayo. Ukuba iGeneral Electric, Exxon Mobile, okanye iBerkshire Hathaway kwakufuneka igcine i-capital capital yayo ibhanki efana neyo, mhlawumbi iya kuba yinto enkulu, ngoko mhlawumbi zonke ezo mali ayikho enye irejista enkulu yemali yenkampani.
Umgaqo uyinyani kwaye uyacacile: Ukukhululeka kwakho, ukulungelelanisa kwakho xa wenza izigqibo kuquka utyalo-mali. Unokuhlangabezana neemfuno ezingalindelekanga, ezifana nokulungiswa kwemoto okanye ukuphucula impilo. Ukuba uhlala uxoxelwe ngemali, unako ukufumana ithuba xa ufumana ithuba okanye, nangona kunjalo, ungeke ukwazi ukunyamekela ngemali into engafanele ibe yithuba elifutshane. Bangaphi abantu abacinywa ngo- Oktobha 1987 ukuqhuma ngenxa yokuba babexhomekeke kakhulu xa iimarike zinyuka? Nangona kunjalo, ekupheleni konyaka, imarike yafumana yonke indawo elahlekileyo. Kulabo balahlekelwa ukulingana kwabo, abazange bakwazi ukuthatha inxaxheba ekubuyiseni kwaye baphawula ukutshabalalisa okupheleleyo nokupheleleyo.
Khumbula amazwi kaWarren Buffett : Ufanele ukwazi ukulawula kakuhle kwaye uzalise ngokupheleleyo ngokutyalomali lwakho ukuba imarike yemasheya ivalwe iminyaka emihlanu. Abantu bahlala belibale ukuba ukuvalwa kwemakethe yexesha elide kungekhona nje kuphela, kwenzeka ntoni ngaphambili. Akufanele ufune imali kwiakhawunti yakho yotyalo-mali ukuhlala. Ukuba uhlala kwizahlulelo , cinga ukuba izabelo ezibhaliswe ngokuthe ngqo kunye ne-ejenti yokudlulisa okanye ukugcina izatifikethi kwibhokisi yokupaka ekhuselekileyo ukuze uhlahlo lwabiwo-mali luthunyelwe kuwe ngokukodwa kwiinkampani, ukushiye ungaxinzeleleki nje nje ngeenkampani apho Unentengo yobunini iyaqhubeka nokwenza iintlawulo zabo ezihlawulelwayo rhoqo (malunga nolwazi oluninzi lufunda yonke iAll About Dividends ukuze ubone indlela asekwa ngayo, ngubani oya kuthatha isigqibo esilihlawulwa kubanini-nxaxheba, nokunye okuninzi).
Qhubeka Ukhuseleko, iindawo ezifihliweyo
Ngamanye amaxesha, izinto zihamba kakuhle. Kuyatshatyalaza, iyanceda, kodwa inxalenye yobomi. Enye yezinto ezigcinwe ngu-Scrooge ocebile kukuba wayehlala enesitoreji, imvelaphi eyimfihlo yobutyebi ngokungabikho mntu owaziyo. Kwimbali enye, wakwazi ukubuyela kwibango lakhe eYukon, eyazi ukuba wayelungele igolide apha ngenjongo yokubonelela ngenkunzi xa ephelile okanye efunekayo ngemali yongxamiseko .
Kukho ubulumko obukhulu kulo. Kulula kakhulu ukubuyela emva kweenyawo zakho ukuba uncediswa. Le yenye yezona zizathu zidla ngokuba yimpazamo ukuthabatha i- akhawunti yomhlala phantsi xa ungena kwiingxaki zemali. Awuyi kuhlawula kuphela irhafu enkulu kunye neerhafu zokurhoxisa kwangaphambili , kodwa ukuba unyanzelekile ukuba uchaze i-bankruptcy, ususe i-capital-long term. Kwiimeko ezininzi, inkundla iya kukuvumela ukuba ugcine imali yakho yomhlalaphantsi , ubabeke ngaphaya kokuqonda kwabo batyala. Kutheni uhlala emhlabeni ungabakhupha kwi-akhawunti uze wenze umdlalo olungileyo? Umele ucinge ngokuzikhusela ukuze uzikhusele.
Zithintele ngokwakho ngokuFunda iZakhono ezintsha
Ndibhalile amanqaku ambalwa ngamandla alo mgaqo-siseko. UBuffett uthathe amaninzi amaxesha ukuba izakhono zakho ziyinto ebaluleke kakhulu kuba nangona uqoqosho, okanye ngaphezulu nakakhulu, imali yelizwe lakho eliya ekhaya lingena nto, ugqirha weentliziyo uya kukwazi ukuhlawula ngokwaneleyo ukuba iinkonzo zakhe ziphelise esiphelweni esiphambili socwangciso lokusabalalisa ubutyebi.
Kwimbali enye, iTraalla La, iSroroge ihlangulwa ilungu leCataway, uluntu lwangaphambili. Wayekwazi ukuthetha ulwimi lwazo kuba wayeyifunde xa wayethenga i-yak eTibet. Kukho ukungathandabuzeki engqondweni yam ukuba ukuba uMcDuck wayephila namhlanje, uyazi isiMandarin kwaye akwazi ukuqhuba ishishini kwiMpuma ekude eyazi kakuhle ukuba ngowama-2050, uqoqosho lwe-China lufanele lube luphindwe kabini ubukhulu be-United States.
Ubomi bam, kwakungumgaqo owandibangela ukuba ndiye kwiYunivesithi kumfundi wezemfundo, ukufunda i-vocal voice performance (opera). Ngaphandle kokungena kwiJamani, isiFrentshi kunye nesiNtaliyane, iminyaka yam yayininzi kwifilosofi, ukubalwa kwemali, upiyano, imbali, ezezimali, isayensi yezopolitiko kunye nabanye abantu abandinika ihlabathi jikelele. Bambalwa abantu abaqaphela ukuba umnini-zimali omkhulu wenza into efanayo - uPeter Lynch wayengumntu oyintloko yefilosofi, u-Alan Greenspan wafunda i-clarinet kwiJunidi ngaphambi kokuya kwi-NYU kwezoqoqosho, kwaye uBen Graham wanikezwa isikhundla kumasebe amathathu ahlukeneyo e-Columbia ngenxa yakhe ulwazi olubanzi lweeklasikhi.
Ukwahlula iAsset yakho neNzuzo yeMali!
Kwimbali enye, iinqonga eziyisixhenxe ze-Cibola, i-Scrooge ivula ngolu hlobo: "Iifama zeoli, izitimela, iimigodi zegolide , iifama, iiforikhi, i-steamships, iitateraters - Ndenze imali malunga noshishino lonke ehlabathini!" Umlingisi uyaphendula, "Kulungile, Mnu McDuck! Unama-sawmills, iivenkile, iziteshi zerediyo-"kunye no-Scrooge uyaqhubeka," ukuloba, ukuloba, amahashe ohlanga kunye namaphephandaba! "
Lo ngumxholo oqhelekileyo kwiinkampani ezinkulu ezifana neBerkshire Hathaway kunye neGenerali. I-inshurensi, i-candy, ifenitshala, amaphephandaba, amabhanki, izinto zokwakha, i-sheet metal, i-marketable securities, kunye nezobucwebe ... ii-wind turbines, i-bulb light, uhlalutyo lwezonyango ... uluhlu luqhubeka, kwaye njalo. Eminye into elinganayo, i-fortune ikhuselekile xa ixhaswa yizo zombini izinto eziphathekayo kwimpahla kunye nemali engenayo. Inkampani ehamba phambili yehashe kunye ne-buggy e-United States yayiya ngaphantsi xa ingazange ikhule ibe ngamanye amashishini njengoko imoto yaphakama.
Oku kwakunomsindo, ngokuqinisekileyo, ngesifiso sikaScrooge sokulula. "Ndifuna ukungena kwishishini elithile elula ukuba ndikwazi ukugijima ngezandla zam!" Ucacisa ibali elifanayo. UBuffett uyabelana ngefilosofi efanayo (funda i- KISS - Gcina isicwengekile ukuba uthole ulwazi olungakumbi ngale ngcamango).
Yonwaba
Kukho umthetho oqaqambileyo odla ngokungahoywa ngamashishini: Lowo unolonwabo kakhulu, ngoqeqesho oluphezulu, uya kufikelela ekugqibeleni. UDonald Trump uthetha ngomdla. Uxelele abantwana bakhe ukuba ukuba konke okulinganayo, umfana onomdla kakhulu uya kuphumelela. Isizathu? Akusebenzi. Uya kuba khona, imini nangemini, enze oko akuthandayo. Ufunde konke ngale nto kwiiNgcaciso ezili-10 zeCandelo le-Capitalist - Indlela eyi-0.9% yama-Amerika ayenjalo .
Kubomi bam, ndinokuxelela ukuba akukho nto endingayenzayo kunokuba ndilima ngendlela yam ngeengxelo zeempahla kunye nokufumana amashishini amancinci. Kufana nenkoqobo ye-Monopoly apho i-academic and intellectual pursuit of value ihlawulwa ngayo iidola ezikhonza njenge-cardcard. Kwabanye abantu, oku kubiza kungabakho ubugcisa, okanye ukucocwa, okanye i-journalism, okanye ukuhlelwa kwezimbali. Ingongoma, yinto eyahlukileyo kumntu wonke. Kodwa ukuba ungayifumana indlela yokwenza into oyithandayo umsebenzi wakho, mhlawumbi uya kuphelela ngaphambi komdlalo. Kukho abantu abathile benza amawaka amawaka eedola ngokudlala imidlalo yevidiyo ngokufanelekileyo!
Gcina Ukunyaniseka Kwakho Ngexesha Lonke Nangakhathaliseki Iindleko
Ukwenza imali akukwenzi ube luxabisekileyo kunomnye umntu. Akukwenzeki ukuba wenze uhlakaniphile okanye ubulumko. Ukufunyanwa kwengxowa-mali kuzo zonke iindleko kukubi. Akukho nto, phantsi kwayo nayiphi na imimiselo, uthengisa yakho ingqibelelo, okanye uphula umthetho wakho wokuziphatha, ukwenza iindidi ezimbalwa zeedola (okanye ezinye iibhiliyoni ezingaphezulu).
Uvavanyo olona lukhulu kundiya kuliva malunga nendlela yokulandela lo mgaqo lubekwe nguWarren Buffett. Uthi ngamnye wethu kufuneka aphile ubomi bethu ngokungathi ngolu suku olulandelayo, zonke iintshukumo zethu ziya kuba kwiphepha eliphambili lephephandaba lethu lomzi, sifunde ngabahlobo bethu, oontanga, oogxa, umfundisi, ootitshala bezandla, abazali, abantakwabo , kunye nokunye, kunye nebali elibhalwa ngummeli-mgxina obalulekileyo, kodwa onobulungisa, ongakhethi. Oku kuya kutshintsha indlela oziphatha ngayo.
Thenga iiAfa ezenza iCash okanye Gcina ixabiso
Ekugqibeleni, ukuba uya kuchitha imali, yenza njalo kwizinto eziza kuvelisa imali eninzi okanye ezo zinto ziza kubamba ixabiso. Kwimeko yam, ndiyakha uCarl Barks kunye ne-Scrooge McDuck iqoqo lobutyebi oluya kuthi, ngolunye usuku, lube lukhulu. Ndineencwadi ezinqabileyo, iqoqo lezinto zokubhala ezilungileyo, kunye nefenitshala elungileyo.
Le ngqungquthela iboniswe kwiincwadi ezigqithisayo ezithengisayo I-Millionaire Next Door kunye ne -Mind Millionaire Mind , ebonise abantu ukuba i-American average multi-millioneire ihlala iqhuba imoto endala kodwa yayinefenitshala engcono. Kungenxa yokuba abantu abafuna ukwakha inamba yabo yokugxila kwizinto ezibizwa ngokuba yixabiso lokujikeleza ubomi. Ukuba uthengela isiqwenga sefenitshala esincinci esiya kuphazamiseka xa uchithela indebe yekofi kuyo, okanye iindidi zeedanti ze-tennis ezingama-200 eziza kuwahlukana ngonyaka, ziya kubiza iindleko ngaphezulu kokusetyenziswa kunokuthelekiswa itafile okanye iindidi zezihlangu ezibiza amaxesha amahlanu. Oku kungenanto.
Ukuze ube njenge-Scrooge, musa ukuxhamla imali yakho kwizinto eziza kulahlekelwa yixabiso. Fumana umxube wezinto oza kukunandipha, kukunikezela ngesebenzi, kwaye uya kuqonda ngezinga eliphezulu kunexabiso lentengo. Ekugqibeleni, uya kufumana ukwaneliseka kwemali kunye neenzuzo zokutyalomali. Kungenziwa ngokufunda ngokukhutheleyo, ukufumana isigulane, nokuthotyelwa.
Iinkcukacha ezithe xaxe
Eli nqaku liyinxalenye yethu Indlela yokufumana isisombululo esisisityebi sabatyalomali abatsha. Ukufumana ulwazi olungakumbi malunga nendlela yokulawula iimali zakho, ukuvelisa imali engenayo , ukulawula ityala lakho, kwaye ube ngumntu ozimele ngokwezimali, funda indlela yokufumana ubutyebi-Isikhokelo sokufumana ubutyebi .