Fumana Imali Yimali Eyayidinga Ukutyalomali Ukuze Uzuze
- Hlawula zonke irhafu
- Sebenzisa i-3 800 zama-ngenyanga ngenyanga ngeendleko zezindlu
- Unayo imali engama-12,000 ngemali eshiywe kwinyanga nganye ukuba uchithe nayiphi na indlela oyithandayo - iimoto, izithuba, izambatho, iminikelo yokunceda , incediso lwemfundo kwintsapho yakho, ukuzizonwabisa, njl.
Ukuba uyavuma okanye awuvumelani naloo vavanyo, kuyisifundo esithakazelisayo. Iziqinisekiso zokuba zizityebi, indlela izityebi ezivelisa ngayo imali, ukuba utyalo-mali kwiimpahla , izibophelelo , iimali eziphathekayo , i- real estate okanye ezinye iimpahla kunokukuncedisa ekuhambeni kwakho ukuba ube nobutyebi, kunye nokunye okuninzi njengokulungelelanisa phakathi kwemfundo nokuba ngowokuqala -uveliso olucebileyo.
Kwakhona sihloko esicinga ukuba ndinomdla emva kokuba mna nomyeni wam kufuneka sizakhele i-fortune yethu ukususela ekuqaleni, ukuqokelela izibonelelo emva kokuzibeka esikolweni, ukuqala amashishini, nokwandisa isigxina sethu kwisigqibo esisilumko ngelo xesha. Ukusebenzisa imiqondo efana nokulingana okulinganayo, sakwazi ukufumana abathandathu ababalwayo ngonyaka njengabafundi bekholeji bexesha elipheleleyo.
Ukusebenzisa ulwazi olufunyenwe kwiminyaka, ndakwazi ukunceda umntakwabo omncinci ukuba akhe iphothifoliyo ephakamileyo ngexesha lakhe kwimikhosi yempi, eyamvumela ukuba aqhubeke kwaye aye esikolweni sezokwelapha ngeqhezu lomboleko weemboleko abaninzi abafundi bakhe uya kuhlupheka.
"Ucebile" Ixesha eliqhelekileyo lichazwe ngokucacileyo njengexesha elidityanisiweyo, akusiyo iXesha elingapheliyo
Icandelo elicelomngeni lokumisela ukuba imali ethatha ukuthathwa njengesityebi ivela kwinto yokuba xa i-capitalism iphakamisa ininzi yeenqanawa ngokwemigangatho yokwanda kwamandla okuthenga , njengokuba yenzile kwiinkulungwane ezimbalwa ezedlulileyo, elitsha, eliphakanyisiweyo Umgangatho wokuphila uthathwa ngokungenakunikwa.
Umzi waseMelika oqhelekileyo namhlanje unelungelo lokuphila ngokubhekiselele kwiphina lembali kweli lizwe lembali, nangona oko kuthethwa yi-media jikelele kunokukwenza ukuba ukholwe. Kugqithise kangangokuthi phantse zonke iintsapho zaseMerika ziphila ubomi obuninzi kunye nokuthuthuzela kunokuba uJohn D. Rockefeller wenza ukuphakama kobutyebi bakhe. Ukwenziwa kwezobuchwepheshe kunye nokwanda komkhiqizo nakwiindawo eziphantsi kakhulu, ezifana nokunyuka komshini wokuhlamba wamanje, kuye kwabangela ukuba iMelika ibe neeyure ezingama-40 zexesha lokuphumla ngeveki kunoyedwa ooyise ngo-1880. Ngokudabukisayo, uphando lubonise ukuba malunga nesi siphelo seeyure ezingama-40 senziwa ngokubukela umabonwakude.
Iintsapho zineemoto ezimbini endaweni enye. Inyawo eliqhelekileyo lekhaya laseMerika lihlazo xa lifaniswa nootatomkhulu. Lelo khayeni lilawulwa yimozulu ngokushushumbisa umoya kunye nokushisa okuphakathi. Inemfuneko yamanzi afudumeleyo namanzi abandayo. I-wired ye-Intanethi ephakamileyo. Ineethelevishini ezikwazi ukubonisa imibala emihle ngesandi esingenangqondo, ifakwe kwilayibrari engapheliyo yeendaba ezidlula yonke into abayithwalayo abanokuyithatha. Urhulumente waseUnited States ngoku ujonga isibini esitshatileyo kunye nezingane ezimbini ezenza i-$ 44,000 ibe yintlupheko phantsi kweenkcazelo ezithile; into enyanyekayo xa ucinga ukuba ibeka intsapho ephezulu kwipesenti ezi-2 ukuya kuma-2 ekhulwini.
Ngamanye amazwi, abo bakhulayo imeko yangoku yeklasi eliphakathi babonisa ngokungazi kakuhle kwezoqoqosho. Ewe, kufuneka kube ngcono. Ewe, ukunakekelwa kwempilo kunye neendleko zezemfundo zikhuphuka ngaphaya kwezinto ezizinzileyo, ngenxa yecandelo elincinci, ukukhuthaza uhulumeni, ukuphazamisa umbhobho ecaleni kwendlela njengoko kwenziwa kwindlu yeshumi elishumi. Ayitshintshi into yokuba akuzange kubekho ixesha elingcono lokuphila kubuninzi baninzi beli lizwe.
Sekunjalo, oko akuthethi abantu xa bebuza, "Yintoni ecebileyo"? Oku kungenxa yezinto ezimbini ezithandekayo ekuziphendukeleni komntu ukuba iimali zokuziphatha zinike ingqiqo kwiminyaka yamuva.
- Abantu banelisekile ngcamango ebonakalayo yobomi babo, kungekhona imfuneko yobomi babo xa bekufuneka izidingo ezithile. Okokuthi, umntu ophuma ekuwenzeni i-$ 25,000 ngonyaka ukuya kwii-150 000 zamawaka ngonyaka uya kuziva unonwabo ngakumbi kunomntu ohamba ekwenzeni i-$ 10,000,000 ngonyaka ukuya kwii-500,000 zamawaka ngonyaka nangona le ndlela yokugqibela iphakathi kwamakhaya aphezulu kakhulu. eUnited States kwaye ufumana imali engaphezulu kunaphambili.
- Abantu banelisekile ngokuziphatheka ngokwezinto eziphathekayo, kodwa kungabalulekanga ngokugqithiseleyo, bacebile ngaphezu koontanga, amalungu omndeni, abahlobo, oogxa kunye nabamelwane. Akuyona ingozi ukuba inani lemali engenayo yonyaka apho ulonwabo luye lwaba lukhulu malunga neepesenti ezingama-50 eziphezulu kunomvuzo wekhaya ophakathi . Kukho nantoni yekhwele. Ukuboleka umzekelo ogqitywe ngumtyalo-mali owaziwayo, ubona abathengisi beemali ukuba bafumane ibhonasi ye-$ 1,000,000 kwiWall Street baze baqonde loo mntu kwideskiti elandelayo bafumana i-$ 2,000,000; ke bayaxakeka. Kwiimeko ezininzi, akunangqiqo kodwa abantu bahlakulela izigwenxa, bazilimaza zabo iimpembelelo, bahlambalaza, kwaye, kwezinye iimeko, baxhatshazwa ngenxa yokungahambi kakuhle. Imali, ngamanye amazwi, ibe ngummeli weengcamango zengqondo-indlela uxabiseke ngayo umntu, indlela eqondakala ngayo ukuba yintoni, ukuba kuyimfuneko kangakanani iqela.
Indlela yokuchonga ukuba umntu ucebile okanye ayikho
Xa kuxoxwa ngemali engenayo , ngokuchasene nexabiso elifanelekileyo , "isityebi" singabalwa iindlela ezintathu ezahlukileyo ngokuxhomekeke kwiimeko:
- I-Absolutely Rich: Ngomhlaba wonke, ndicinga ukuba umgca mhlawumbi uqala kwindawo ejikeleze i-$ 80,000 ngonyaka. Intsapho efumana loo mali eUnited States, kwaye iqhutywe ngumntu onengqiqo ngezezimali, iya kuthanda imilinganiselo yokuphila egqithiseleyo, ngayo yonke into ecacileyo, amava eninzi yabantu abaphila kwiPlanethi yomhlaba, ngoku kunye nanini na kwimbali. Kwinqanaba elithile lelizwe, ndicinga ukuba iqala malunga ne-400,000 yeengxowa-mali kwimali yasekhaya e-United States. Amandla okuthenga ngokupheleleyo anqabile xa kuthelekiswa nosapho oluqhelekileyo kwaye avule iingcango ezithandabuzwayo. Ngokuqinisekileyo uye wangena kuloo ntsimi emva kokuba ungena kumphandi omnye wezemfundo obizwa ngokuba "ocebileyo", ofumana imali engama-3,000,000 ukuya kwii-5,000,000 ngonyaka ngonyaka ongaphantsi kwee-sums zemali ezongezelelweyo ezilahlekelwa ngumsebenzi wazo kwaye zincinci ngaphezu kwekhadi lekhadi.
- I-Rich Relative: Ukuba unyanzelekile ukuba udwebe umgca endaweni ethile, mhlawumbi ndiza kwenza njalo kwi-5% ukuya kwi-10% yengeniso yekhaya, mhlawumbi ichitshiywe yizinto eziqhelekileyo, kuba kuthetha ukuba intsapho kwimeko leyo ayiyi-90 ukuya kwezinye iintsapho ezingama-95.
- Ocebileyo: Omnye unokuthathwa njengesityebi esekelwe ebuhlotsheni obulula phakathi kweminqweno yakhe, ukulawula ixesha, kunye nokukhuseleka kweentlekele zemali. Okokuthi, umntu uba nesityebi umzuzu 1. yena (okanye) unokukwazi ukufumana indlela yokuphila efuna kuphela kwimvelaphi yemali engenayo okanye kwi-career engenayo inceba yabanye kwaye ngoko ayikwazi ukususwa kalula, kwaye 2. uyakwazi ukuchitha ixesha lakhe ukwenza ngokuchanekileyo oko akufunayo, xa efuna, indlela afuna ngayo, apho afuna khona. Ngaloo ndlela, kukho iimeko apho ndingayibona umntu ofumana i-$ 50,000 ngonyaka ukuze atyebi ngelixa umntu efumana i-$ 2,000,000 ngonyaka into enye.
Injongo yakho njengomtyalo-mali omtsha akufanele kube yinto yokugcina ubutyebi obungapheliyo ngexabiso lemveliso, iinkonzo kunye namava ofunayo ubomi bakho. Endaweni yoko, kufuneka ukuba ufumanise ukuba ufuna ntoni, imali engakanani ngenyanga oyifunayo ukuyifumana, kwaye ngoko sinokusebenza ngokubala iityalo-mali eziza kufuneka ukuba zenze inkonzo yokuphila. Imali yinto ekhoyo ukukukhonza. Kungaba yinto engathethekiyo yokuchitha ubomi bakho ubukhoboka ukuba uqokelele izixhobo ongeke uzivelele ukuba ukwenza oko kuza ngexabiso lakho lonwabo. Isibalulekileyo, njengokuba kwiindawo ezininzi ebomini, "uzazi". Ukuba unelungelo lokwenza umyinge, xa uzalwe, iintsuku ezingama-27,375 zifakwe kwi-akhawunti yakho yasebhanini yokufa. Usuvele uchithe kakhulu ezimbalwa zazo. Ngolunye usuku, iwashi iya kuphelisa ukuze uqinisekise ukuba ufumana unonwabo ngakumbi kule mihla ufumaneke ngekhono okanye ubuchule bakho
Yiya kwizinto zokuqokelela ubomi, ukuphepha iimfanelo; qwa lasela i- aseset placement ; sibone indlela yokuhlawulelwa ukwenza oko uyithandayo. Kwabanye, oko kunokuhlala kwindawo yeColorado, ukuloba nokufunda yonke imini, ukuzingela inja yakho ethandekayo, nokufunda ukudlala isixhobo. Kwabanye, kunokuthi iinqwelo ezibiza kakhulu, i-wardroke ye-Ede ne-Ravenscroft eneentambo ezihambelanayo nezicathulo zikaGeorge Cleverley, ezigqoke iCreed Bois duPortugal njengoko ufunda iphothifoliyo yakho kweso sikolo sakho esandul 'uClave uChristian study on $ 250,000 i-Patek Phillipe Grand Complications. ngeadayimane engenamntu. Akukho mpendulo echanekileyo. Omnye akahle kunomnye. Bahlukile nje; umba wentsingiselo yomntu ininzi efana neyakhe ikhetha inyama yenkomo kunye nabanye bakhetha inkukhu.
Injongo yam ngokubhaliweyo malunga nokutshala imali, ulwabiwo-mali, ulwabiwo-mali, ukuphathwa kweepotfoliyo, umngcipheko, ukuhlukahluka kunye nezinye izifundo zokuphila, kukukunika ezinye zezifundo endizifundileyo kwindlela ukuze uhambo lwakho lube Elula.