Eminye yezona zinto zibaluleke kakhulu ekuqhubeni amaxabiso emasheya ziqikelelo kunye nokulinganisa. Nangona naluphi na utyalo-mali lunokuqhutywa yiloo mandla, impembelelo yabo ngokubanzi ivela kwenye okanye enye, kunokuba zombini.
Ngaloo nto, ndiyathetha ukuba omnye waba baqhubi bexabiso baya kubakhokela, kwaye ngokuqhelekileyo uyasusa nayiphi na impembelelo kwenye. Cinga nje ngeendlela zokuthutha - unokuhamba ngumoya okanye ngesikebhe okanye ngemoto, kodwa mhlawumbi awuyi kuhamba ngeenqwelo ezindizayo okanye ngeenqwelo ezindizayo.
Ukucacisa
Ukucacisa kusekelwe kwinto enotyalo-mali "engayenza." Ngaba basebenzela unyango lomhlaza, okanye bafuna idayimani kwimigodini yabo, okanye bavelise imoto eqhuba ngamandla?
Ukuba baphumelele, baya kuzuza izigidigidi! Ubuncinane, yindlela abacwangcisi-zimali abacinga ngayo, yingako bathenga ngokugqithiseleyo, kwaye baqhube amaxabiso ngamaxesha amaninzi ngexabiso. Ngokuqhelekileyo bavakalelwa kukuba umphumo wokuba uya kuba nenzuzo kakhulu, ukuba ezinye izinto azikhohliwe ukuba zibandakanyeke naziphi na ixabiso.
Xa ukucatshulwa kuthatha, yonke into iyayihoywa - imithwalo yematyala; amanqanaba engeniso engenako; ilahleko zokusebenza; ukulahleka kwemali; phiswano; kunye nezinye izinto eziphantsi kwezoshishino - ukugxila kwizinto ezinokwenzeka, impumelelo yonke.
Njengoko abatyalo-mali baqhubeka bethenga kumaxabiso aphakamileyo aphakamileyo, nangona ukuba inkampani ayilenzi unyango, okanye ufumane idayimane, okanye ufumane imoto yendalo, ukucatshulwa okuqhubekayo kushenxisa i-stock kwakhona kwakhona.
Yaye njengoko abatyala-mali bebona amaxabiso enyuke, bakholelwa ukuba inkampani isondela kwiinjongo zabo, ngoko bathenga ngakumbi, okuqhubezela izabelo ziphezulu.
Ukucacisa, ngokungafani nokulinganisela, akunakubalwa kuba akukho mithetho - ngaba utyalo-mali lufanele i penny enye, okanye i-$ 40? Ngokwenene ukucamngca, kunzima kakhulu, ukuba akunakwenzeka, ukubeka nayiphi na into ebalulekileyo ekutsalweni.
Iinkampani ezintsha, ezincinci, kunye neengcipheko ziqhutywe ngokunyanzeliswa ngamandla. Iipenki zePenny ziqhutyelwa ukucatshulwa, kwaye ngokunjalo-ke amanyathelo angabonakaliyo kumashishini, kunye neengcamango zoshishino zangaphambili.
Xabiso
Ngokuqhelekileyo, njengoko iinkampani zihambela kwisigaba esivuthiweyo sokuphila kwenkampani yabo, amanani abo asekelwe ekuxabiseni. Okwangoku, banempahla kunye nemali engenako, kunye nentengiso kunye neengeniso, ngoko "baxabisa."
Xa unokuqhathanisa iinkampani ezimbini omnye nomnye ngokuthe ngqo, oko kuthetha ukuba kufuneka babe nexabiso elincinci. Ukuba i-Corporation yenza i-45 cents kwi-earnings, kwaye i-Corporation B yenza i-90 cents, uya kuqonda ukuba inkampani yesibini inandipha kabini inzuzo yeziphumo. Le meko ivumela umtyalo-mali okanye umhlalutyi we- stock market ukuba achaze ukubaluleka kweenkampani ezingaphantsi, kwaye ngoko ke uyazi ukuba yintoni enye into ephosakeleyo.
IBM inenani. Harley Davidson inexabiso. IBhanki yaseMerika inenani. Ezi zitokhwe azizithengisi ngokusekelwe ekucingeni, kodwa kunoko amaxabiso abo ashukunyiswa ngenxa yeenguqu kwixabiso lawo.
Shift
Ngokuqhelekileyo, xa iinkampani zitsha kwaye zingenakuvuthwa, zinokuphela kuphela ngokucinga. Xa ishishini labo likhula, kwaye bafezekisa imali eninzi ngokwaneleyo ukuhlawula iindleko zabo ezininzi, baya kutshintsha kwixabiso elisekelwe kwixabiso.
Ukutshintshwa kwizinto ezicatshulwayo ukuya kuqikelelo kunokubonisa ukuba inkampani "yenze." Yonke inkampani eqikelelweyo kufuneka ithemba ukufikelela kwi-valuation.
Nangona kunjalo, le ntshukumo ingaba yintloni, kwaye ngokukhawuleza isiphumo kwizabelo zithatha isisu esinzima. Oku kwenzeka rhoqo, kwaye kwiimeko ezininzi kunokuba nzima kakhulu.
Oku kwenzekayo kukuba, kwiimeko ezininzi ubuncinci, imikhosi yamandulo yangaphambili ishukumisa izabelo ngaphezulu kwamaxabiso afanelekileyo. Mhlawumbi "bafanele" i-$ 2, kodwa abaqapheli babezithenga isitokisi yonke indlela ukuya kwi-$ 24.
Emva koko, njengemikhosi yokucatshungulwa kunye nabatyalomali baqala ukuguqula ukugxila kwabo kwisitokhwe sinokubaluleka (esekelwe kumaphuzu edatha afana nokukhula, isabelo semarike, imali, imali, imali kunye nempahla), ixabiso lentengo lijongene nokuhlaziywa okukhulu. Ngokomzekelo wethu, unokubona ukuba ezo zizabelo ze-$ 24 zixhamla kwi-2 yezigidi kwiinyanga ezimbalwa.
Umzekelo omhle, wehlabathi weli xesha kwakuyi-Sirius kunye ne-XM yesatellite. Kwakukho ithemba elininzi lokutyala phakathi kwabatyalo-mali kuba ukucinga kwakukuhlanganiswa okuzayo kuya kuba neenzuzo ezininzi njengoko abaqhubi bezobambiswano bajoyina amandla - ukugcinwa kolawulo kunye neendleko zokuthengisa ezincinci kunokubanceda bakhwebe kwiimarike. Kodwa ekugqibeleni ekudibene, le nto yaba ngumzekelo opheleleyo "wokuthenga i-rumor, ukuthengisa into."
"Inyaniso" kukuba abatyali-mali babengenayo "imimoya yokudibanisa" emacaleni abo ngasemva. Kwakungekho mcimbi ozayo, ozayo kwixesha elizayo ukuza kusebenza ezi zigidi zeengqungquthela zibe ngumsindo, okanye ziwebe ukuthenga imizwa yazo. Ngoko abantu ngoku kufuneka bajonge imeko yangempela yemali yeenkampani ezimbini (okanye ngokuchanekileyo, indlu yezemali yeli candelo elihlangeneyo).
Nanku umbuzo kuwe: Ufumana ntoni xa utyhala iimbumba zombini kunye? Ewe, loo nto yayiza kuba yinkomo enkulu yodaka.
Ukongeza isahlulo esinye seenkampani zeedola ezimalunga neebhiliyoni kwisikweletu, kwesinye isiqingatha se-corporation kwisikwereti, senza umfanekiso ombi kakhulu. Kucinga ukuba kwenzekani kwizabelo xa bedibene?
Zama ukuqaphela ukuba yimaphi amandla alawulwa ngokuthe ngqo kwixabiso lezabelo ezahlukileyo ozithengisayo. Ukucatshulwa kunokudala inkulu, kunye neenzuzo ezikhawulezayo, kodwa unokukusetha ngokukhawuleza ngokukhawuleza. Uhlalutyo, ngakolunye uhlangothi, luhlala luhlala luzinzileyo kwaye lunokubangela ukuzuza okuncinci, kodwa ubuncinci loo mayeza angagcinwa ixesha elide.