Imali yeNgeniso, iMpahla kunye neCandelo e-United States
Xa ufumanisa apho uhlala khona kwimpumelelo yengeniso kunye neklasini, unokukwazi ukubona ukuba ukungakwazi kwakho ukutshala ingakumbi ngenxa yongeniso lwenkokhelo okanye nokuba unayo ingxaki kwiimali zakho xa kuthelekiswa nabamelwane bakho.
Injongo yoTyalo-mali
Ngaphambi kokuba siqale ukuthetha ngeklasi eUnited States, kufuneka sixoxe ngenjongo yokutshala imali. Mzekelo: Cinga ngolu hlobo lwamadoda amabini, uGreg noJohn. UGreg ungumgqirha wezobugqirha kwaye ufumana i-$ 300,000 ngonyaka. Kufuneka abonise ukuba asebenze rhoqo, usebenzisa izakhono ezingaqhelekanga ezifunyenwe kwimfundo yezikolo zemali ezibiza kakhulu kunye neminyaka yokuqeqeshwa emsebenzini. Ukuba uyafa okanye uya kwi-coma, intsapho yakhe iya kufumana encinci okanye ayifumane ingeniso ngoba ayikwazi ukusebenza. UJohn, ngakolunye uhlangothi, unayo i-hotela engama-3,000,000 ehotele eyinkonzo eyenza i $ 300,000 ngonyaka. Akudingeki ukuba asebenze okanye angabandakanyeka nayiphi na indlela kuba uhlawula iqumrhu lokulawula ukubeka amaxabiso, abasebenzi basepropati, nokugcina imigangatho efunekayo ngesivumelwano sakhe sokuthengiswa kwemali.
Ukuba uJohn ngokukhawuleza uyadlula okanye akakwazi ukukhubazeka, ipropati yakhe iya kuqhubeka isondeza imali, igxininise intsapho. Intsapho nayo inokukhetha ukuboleka ngokulinganayo kweso sakhiwo ukufumana elinye ihotele okanye ukwandisa, ukunyusa inzuzo ngakumbi. 1
Amandla okuQinisa ekunqumeni uMhlaba
Ukwakha iifayili zakho ukuze zikhulu ngokwaneleyo ukuvelisa ngeniso engenayo yinxalenye engumngeni; ukuba kwakungelula, wonke umntu wayenokwenza oko.
Yingakho amandla okuhlanganiswa kubaluleke kakhulu. Ukuza kunye ne-chunk yemali ngexesha elilodwa kunzima. Kodwa sele usufunde ukuba i-$ 1 ingakhula ibe ngumlinganiselo omkhulu ngexesha. Cinga ukuba ekukhuleni kwe-10%, utyalo-mali lwama-$ 10,000 luya kufakwa kwi-$ 25,937, i-67,275 yeedola, i-$ 174,494 kunye ne-$ 452,593, ngokulandelanayo, ngaphezulu kwe-10, 20, 30 kunye neminyaka engama-40. Ukuba uhlakaniphile ngokwaneleyo ukwenza utyalo-mali kwiminyaka yakho engamashumi amabini uze ubambelele ukufikelela kwiminyaka yakho engamashumi asixhenxe, isigxina esinye siza kukhula malunga ne-$ 1,173,910. Ukuba unako ukugcina i-$ 10,000 ngonyaka, kwi-10% yentlawulo yokubuyisela, uza kuba ne-$ 11,639,085 xa ufikelela kwii-70e (oko kungathi kufana ne-oda ende, kodwa ukuba wenza ngaphezulu kwe-$ 50,000 ngonyaka, kunokwenzeka) . Imali eyaneleyo yokuvelisa imali engama-$ 400,000 kunye nama-600,000 ngonyaka ngonyaka ngaphandle kokuthintela inqununu yakho, kunye nokushiya impahla eninzi kubantwana bakho, abazukulu, okanye intandokazi engeyena inzuzo.
Yintoni eyenza uMakhaya xa ebala iMali yeNkxaso yaseMelika?
Ingeniso yomzi isekelwe kubantu abahlala phantsi kophahla olufanayo. Ukuba ungatshatanga, umvuzo wakho wekhaya uza kubandakanya kuphela umvuzo wakho. Ukuba utshatile kwaye wena kunye nomlingane wakho usebenza, umvuzo wekhaya uza kubandakanya zombini imali.
Ngaloo nto yathi, makhe sijonge uphando lukaLeonard Beeghley kwingeniso yasemakhaya e-United States kwaye siyichithe phantsi ngokweklasi. Emva kokuba uhlolisise itatshi (unokuba ufuna ukuyiprinta ngokubhekiseleka ngokulula njengoko uhamba ufunda lonke le nqaku), ndiya kuhamba nawe kwiklasi nganye kwaye uchaze oko ungathanda ukukwenza ukuze uncede ukwakha bakho butyebi .
Iklasi eUnited States
| I klasi | Inkcazo |
| I-Super-Rich (eyi-0.9%) | Abaninzi-mali abanemali yabo engenayo idlula i-$ 350,000; kubandakanya abadumileyo kunye nabaphathi abanamandla / ezopolitiko. Imfundo ye-Ivy League iyafana. |
| Isityebi (ngu-5%) | Imindeni enexabiso elingu-1 yezigidi okanye ngaphezulu; ngokuyininzi ngendlela yokulingana ekhaya. Ngokuqhelekileyo, ube needriki zeekholeji. |
| I-Middle Class (i-Majority; is. 46%) | Iikholeji abaqeqeshiweyo abanemali engenayo ngaphezu kwe-average income and compensation; indoda eyenza i-$ 57,000 kunye nomfazi owenza ama-40,000 amawaka angabonakala. |
| Iqela lokuSebenza (ngu-40% -45%) | Abasebenzi beekholeji zeBlue kunye nalabo abanemisebenzi yabo iqhutywe kakhulu ngokukhuselekileyo kwezoqoqosho; indoda eyenza i-$ 40,000 kunye nomfazi owenza i-26,000 zamaRandi angabonakala. Isikolo samabanga aphakamileyo. |
| Abampofu (ngu-12%) | Abo bahlala ngaphantsi komgaqo-ntlupheko ngokungabikho nxaxheba kubasebenzi; Ingeniso yekhaya eyi-18,000 yeeRandi ingaba yinto eqhelekileyo. Eminye imfundo yesikolo esiphakamileyo. |
Ngaphandle kwemibandela embalwa, kukho iindlela ezintathu kuphela zokwenza imali nokwanda kobutyebi. Bazi:
- Thengisa ixesha lakho: Ukuhlalutya izakhono onawo, kubaluleke kakhulu kuluntu. Umdlali we-NBA weenkwenkwezi okanye i-neurosurgeon ayikwazi ukutshintshwa kalula, kanti kukho izigidi zabantu abakwazi ukulayisha iibhokisi kwiloli. Yingakho loo yangaphambili ifumana amanqanaba aphezulu ehlawulelo kunokugqibela. Akukho nto enokuyenza ngayo njengomntu (amaMerika anomnqweno ongeyena wokulinganisa ingeniso kunye nobutyebi kunye nendoda okanye ibhinqa inqobo yexabiso, okuyiyo-ukuba uya kundixolela - isisithulu.)
- Thengisa umkhiqizo okanye inkonzo: Ukuba unamalungelo kwingoma, okanye i-patent, okanye ikhekethi, okanye ikhowudi yesofthiwe, okanye i- real estate , unokuqeshisa, uqeshe, okanye uthengise i-asethi kumntu ofuna ukuyisebenzisa okanye eyakhe. Ukutshintshisana, ufumana imali. I-assets yakho encinci, imali enokuyifumana yona.
Ukukhangela ishati eklasini e-United States, kubonakala ngokukhawuleza ukuba abo bahlala phezulu bafumana izakhono ezingaqhelekanga ezibavumela ukuba bafumane imali engenayo yonyaka okanye abanempahla engabonakaliyo, okuvelisa imifudlana emikhulu yemali ukuze se benzisa. Ngexesha elithile, amalungu ahlakanipheleyo kwiklasi ephezulu kakhulu (aka "I- Classist Class ") bafunda ukuvelisa imali kwiintlobo zombini. UJack Welch, ngokomzekelo, kungekhona kuphela amakhulu amabhiliyoni eedola kwimpahla yokugcina impahla ukususela kwimini yakhe esebenza ngokubanzi jikelele, kodwa ngoku ukwazi ukulawula iintlawulo ezininzi zokuthetha kunye neentlawulo zokubonisana neengcali zakhe. Ngokuqhelekileyo, ezi zibini zihamba ngesandla.
Kuthetha ukuthini oku kuthetha wena njengoTshali-mali omtsha
Ngeli nqanaba, unokuba uzibuza, "Yonke into enxulumene nam?". Impendulo ilula: Ukuba unayo ingeniso eyaneleyo yokutyalomali nokwakha i-asethi yakho, kuya kufuneka ufumanise indlela yokwandisa ixabiso lexesha lakho (umzekelo, buyela esikolweni uze ube ngumongikazi ukuze unako ukufumana ngaphezulu ngeyure kunokuba unako ukufumana i-receptionist), okanye ufumane i-asethi yemali edala. Iilayibrari zehlabathi zizaliswe ngeencwadi kunye namanqaku malunga namadoda nabasetyhini abaqikelele indlela yokufumana izandla zabo kwiinkunzi ukuze baqale ukufumana igalelo, inzala kunye neentlawulo. Akulunge ngakumbi kuwe!
Ndivile ngabantu beqeshiso kunye nenketho yokuthenga imoto yokuhlamba kangangokuba babengenayo imali yokuthenga ngenxa yokuba babe nekhredithi eyoyikisayo, ngokufanelekileyo ukusebenzisa i-asethi ukuhlawula ityala. Ndiyazi ngabantu abathengile izindlu ezincinci okanye bengenamali phantsi, baqeshisa ngaphandle, kwaye basebenzise ngokufanelekileyo indlu ukuze bakhe ukulingana. Ngokufanayo, kukho nabanini-shishini abathengisa inkampani yabo kubantu kwaye bazimisele ukuthenga imali, ukuvumela ukuba usebenzise inzuzo ukuhlawula ityala. Ukuba unokufumana ukwesaba ukugatywa okanye ukungaphumeleli, wenze konke okufunekayo ukunciphisa umngcipheko wakho ngokuphantsi, unalo ithuba ekuphuculeni umgangatho wakho wokuphila nokuxhuma kwiibhanki eziphezulu zobuncwane basekhaya eUnited States. .
Kwabo abangakholelwayo unokwenza i-$ 100,000 okanye ngaphezulu konyaka ukusuka kwimithombo emitsha, makhe ndikubuze oku: Zingaphi iiyure kunyaka ophelileyo ozinikezele ukusebenzela okanye ukufuna amathuba okufumana imali engenayo ? Ukuba uchithe naliphi na ixesha, ndiza kucinga ukuba wawuncinci kakhulu kunokuba uchithe ubukele umabonwakude okanye usebenza emsebenzini wakho wesikhathi esigcwele. Ubomi buzele amathuba-nawaphina ixesha lokusombulula ingxaki yomntu, unokuhlawulelwa. Into emele phakathi kwempumelelo kunye nekhadi lakho lokulinganisela nguwe. Bonisa into ofuna ukuyifeza ukuze uqale ukuvelisa ingeniso engenayo uze wenze isenzo namhlanje.