Ngokutsho koPhando, iiShishini zivelisa ukubuyiselwa kweMali ePhakamileyo kunezoNdawo zeMpahla
Ukuthenga indawo yokuhlala oyintloko mhlawumbi sisona sigqibo esona sihle kunokuba umntu angenza ikusasa labo lwezezimali. Nangona kunjalo, xa ungena kumakhaya asemibini, izindlu zeeholide, izakhiwo zokuqashisa, izakhiwo zorhwebo, kunye nelizwe eliluhlaza elibanjelwe ukuxabisa, udlala umdlalo omtsha webhola. Kungenxa yokuba, ngaphezu kwexesha elide, ukubuyiswa kwangempela (umnatha wexabiso lokunyuka kwamaxabiso) olunikezwa ngamasheya aqhelekileyo luye lwachoboza abo bafumanekayo ngabanikazi bezindlu.
Yep. Ufunda loo nto. Abantu baseMerika baye banqwenela kakhulu ubunini bezindlu ezingenakudla ngokuba bengaboni ukuba ipropati ekhulayo kwixabiso elivela kwii-500,000 ukuya kwii-580,000 kwiminyaka emihlanu, emva kokuxhaswa kwemali yerhafu emva kwerhafu, inkokhelo eyongezelelweyo, iindleko zetayitile, njl njl. ., ayinakuqhubeka nokuhamba ngexabiso lentengo! I-$ 80,000 inzuzo ayizukukuthenga ezinye iimpahla kunye neenkonzo; inani elifanayo lababhegurgers, izibhuku zokubhukuda, iifenitshala, ii-pianos ezinkulu, imoto, ipenki yomthombo, i-cashmere sweaters, okanye nayiphi na enye into onokufuna ukuyifumana. Ukuthatha imali engaphezulu kwe-6.25%, ngaloo minyaka mihlanu, ubuya kuhlawula i-$ 151,401 kwimali enomdla, okanye i-$ 93,870 emva kokuncitshiswa kweerhafu ezifanelekileyo (kunye nelokuba uhlala kwiibhanki eziphezulu, ityala elihle kakhulu. bekuya kuncitshiswa nge $ 466,700, kukunika ukulingana kweedola ezili-113,300 (i-$ 580,000 yexabiso lemarike - i-466,700 i-mortgage = $ 113,300.) Ngaloo xesha, ubuya kufumana imali engama-184,715 eentlawulo.
Ukwenza izinto kwiinkonzo zonyango, i-inshorensi kunye nezinye iindleko, iindleko zakho ezingaphantsi kwee-pocket ziza kuba yi-$ 200,000.
Oku kufanele kubonise imigaqo ebalulekileyo bonke abatyali-mali kufuneka ba khumbule: I-estate estate ihlala yindlela yokugcina imali enokuyihlawulisa ngenye iindleko zokuqeshisa, kodwa ayiyi kuvelisa amazinga aphezulu okubuyisela ekubanjeni ubuncwane bakho buninzi .
Kukho, ngokwenene, imisebenzi ekhethekileyo enokuyenza kwaye ivelise iindleko eziphezulu kwizithuba ezinjengeenkontrakthi ezinexabiso eliphantsi lokuthenga, ukubuyisela kunye nokuthengisa izindlu, abaqulunqi beehotele beyakha indawo enomdla kwiindawo ezitshisa idolophu (kufuneka kubonakaliswe ukuba kulo mzekelo, ukudaliswa kobutyebi akuveli kwi-real estate, kodwa kusuka kwishishini-okanye isitoksi esifanayo-eyenziwa ngemisebenzi yeehotele), okanye kwiiyunithi zokugcina kwidolophu engenakho ezinye iipropati ezingafaniyo (nangona, kwakhona, ubuncwane bokwenene abuvela kwintengiso kodwa kusuka kwishishini elenziwe!)
Yintoni eyabangela le ngqungquthela enkulu yokuhlakulela impahla? Kutheni sifunyiwe yiyo? Qhubeka ufunda ukuqonda, iimpendulo, kunye nolwazi olusebenzayo onokukwazi ukuyisebenzisa.
1. Kwabaninzi abatyalo-mali, ii-Real Estate Ziyabonakala ngakumbi kuneziShishini
Umtyalo-mali oqhelekileyo mhlawumbi akabukeli kwisitokethi sakhe njengengxube ye-real business, ibone ishishini elinamacandelo, abasebenzi, kunye nethemba elilodwa, inzuzo. Endaweni yoko, bayibona njengesiqwenga sephepha elijikeleza kwitshathi. Ngengenanto yecandelo lomvuzo osisiseko kunye nomvuzo wokufumana umvuzo, kuyaqondakala ukuba kutheni batyhake xa izabelo ze- Home Depot okanye iWal-Mart zivela kwi-$ 70 ukuya kwi-33.
Ngokunandiphayo akukho nto iyazi ukuba intlawulo ibaluleke kakhulu - oko kukuthi, oko uhlawulayo kukugqibelela kokubuya kwakho kwi-investments - bacinga ngamalungelo njengethikithi yeLottery kunobunini, ukuvula i -Wall Street Journal kwaye unethemba lokubona ukunyuka okuphezulu.
Unokungena kwindawo yokurenta; sebenzisa izandla zakho kunye neendonga, vula kwaye uvale izibane, udibanise utshani, kwaye ubingelela abaqashi bakho abatsha. Ngezabelo zeBhedi, iBhati, kunye neNgaphandle kwehlezi kwi-akhawunti yakho yomrhwebi, kungabonakali okwenene. Nokuba iirejista zokuhlawula eziza kuthunyelwa ngekhaya lakho, ishishini, okanye ibhanki, ngoku zihlala zigcinwe ngekhompyutha kwi-akhawunti yakho okanye zibuyiswe ngokuzenzekelayo. Nangona i-statistical ngaphezu kwexesha elide unako ukwandisa umthamo wakho ngoluhlobo lobunikazi, aluveki njengento yangempela njengempahla.
2. I-Real Estate ayinayo ixabiso leMarike eliCatshulweyo leNsuku zonke
Ngaphandle kolunye uhlangothi, unokwakho, unokwenza i-tax-tax afterward, emva kwe-inflation returns, kodwa iyabachazela abo abangenayo inkcazelo abakwenzayo ekuboneni ixabiso lemarike ecatshulwa imihla ngemihla. Bangakwazi ukuqhubeka, bephethe impahla yabo kunye nokuqokelela ingeniso yokuqashisa, bengakwazi ngokupheleleyo ukuba amaxesha amanani atshintsha inzala, ixabiso langaphakathi lokubamba kwabo lichaphazelekayo, nje ngeempahla kunye nezibophelelo. Le mpazamo yaqwalaselwa xa uBenjamin Graham efundisa abatyali-mali ukuba imakethe ikhona ukuba bakhonze, bangabafundisi. Uthe ukuvakalelwa ngokunyuka kwintengo kwakufana nokuvumela ukukhathazeka ngengqondo nangokomzwelo ngenxa yeempazamo zabanye abantu ekugwebeni. I-Coca-Cola ingathengisa i-$ 50 isabelo kodwa oko akuthethi ukuba ixabiso liqiqeshwe okanye linengqiqo, kwaye akuthethi ukuba uhlawule i-$ 60 kwaye ulahlekelwa iphepha elilodwa kwi-share ngayinye eyenza utshalomali olubi. Kunoko, umtyalo-mali kufuneka athelekise umvuno we-earnings, izinga lokukhula elilindelekileyo, kunye nomthetho werhafu wangoku, kuwo wonke amanye amathuba okuba nawo, ukwabela izibonelelo zabo kulowo onika iindleko ezilungelelaniso, ezilungelelaniso. Impahla ayikho enye indawo. Intlawulo yiyo uhlawulayo; Ixabiso ufumanayo.
3. Ukudibanisa oko kukufuphi nento exabisekileyo
Iingcali zengqondo ziye zasitshela ixesha elide ukuba sibhekiselele ukubaluleka kwento esondeleyo kwaye ngokukhawuleza ukuba sisondele xa kuthelekiswa nento ekude. Oku kungathi, ngokwenxenye, kuchaza ukuba kutheni abantu abaninzi becinga ukuba baqeshwe kwiqabane labo, okanye, njengokuba inkokheli enye yenkampani, isityebi esinezigidi ezingama-100 kwiingxelo zakhe zokutshala imali zingathi zibuhlungu ngenxa yokulahlekelwa yi-$ 250 ngenxa yokuba washiya imali kwi-hotela yasehotele ehotele.
Lo mgaqo unokucacisa isizathu sokuba abanye abantu bazive becebile ngokufumana imali engama-100 yenzuzo yokurenta ebonisa ibhokisi yabo yeposi yonke imihla ngokumalunga ne-$ 250 ye-"look-through" efunyenwe ngama-stocks abo. Inokuthi ichaze nokuba kutheni abatyali-mali abaninzi bekhetha ukuhlawulelwa kwemali ekwabelwana ngokuthengwa , nangona ezi zilandelayo zilungelelanisa irhafu kwaye zonke ezinye ezilinganayo, zibangele ubutyebi obuninzi obwenzelwe egameni labo.
Oku kuvame ukunyuswa ngumfuno womntu wokulawula. Ngokungafani ne-Worldcom okanye i-Enron, ubuqhetseba bokuphendula abantu abangakhange badibana nabo abanakukwenza isakhiwo soshishino oqeshisayo kubaqeshi sanyamalala ngobusuku bobusuku. Ngaphandle komlilo okanye enye inhlekelele engokwemvelo, edla ngokugqithiswa yi-inshurensi, awuyi kuvuka ngokukhawuleza kwaye ufumene ukuba iindawo zakho zokuhlala zezindlu zinyamalale okanye zivaliwe ngenxa yokuba zikhuphe i- Securities and Exchange Exchange Commission . Kwabaninzi, oku kubonelela ngenqanaba lokuthuthuzeleka.