Izingozi kunye nemivuzo yokuPhucula
Ukunyuka kweMali
Isibonda ekubanjeni kwemali ityala. Usebenzisa imali yabanye abantu ukuze uvumele ukulawula utyalo-mali obuninzi ngaphezu kwakho.
Kakade, kufuneka uhlawule umdla wokusebenzisa imali yabo.
Invest Investment
Unokuthenga izitokhwe , iibhondi zikaburhulumenteni kunye nezinye iziqinisekiso ezivunyiweyo kwimida . Oko kuthetha ukuba uboleka ukuya kwi-50% yentengo yokhuseleko esuka kwenkampani yakho yokuthengisa, u-2: 1 wokulinganisela. Ngaphambi kokuba wenze njalo, kufuneka uhlele i-akhawunti ye-margin okungenani i-$ 2,000 kuyo.
Inzuzo kukuba unokusebenzisa yonke imali kwi-akhawunti yakho kunye neengxowa ezibolekileyo zokuthenga isitokisi. Imali kwi-akhawunti yakho ikunika umyinge, ngokubolekwa kwemali mboleko, ukuthenga isitokisi esingekho ngaphezu kwakho.
Ukuze uthengise ukhuseleko, yindleko kuphela kuwe inomdla kwimboleko. Ukuba inani lentengo likhuphuka, wenze inzuzo engcono, ngenxa yemali eboleweyo.
Ukungalungi - kwaye lukhulu-kwenzeka ntoni ukuba intengo yesitoksi ihla. Emva koko, kufuneka uphonseke ukuze uthole imali eyongezelelweyo ukuhlawula imali mboleko.
Usenokucinga, "Ewe, andiyi kuwuthengisa ukuze ixabiso lempahla libuyiswe." Nangona kunjalo, zimbini izizathu zokuba ungenako ukwenza oku.
Okokuqala, uhlawula umdla ixesha elipheleleyo ogcina isitokisi. Ngoko ke, ukuthenga kumgama ogqithisiweyo kukulungele ukuthengwa kwempahla yesikhashana. Oku kukufuna ukuba ube nexesha lokuthengisa, kwaye oko akunakwenzeka.
Okwesibini, ukubaluleka kwemboleko yakho akumele kube mkhulu kune-65-75% yeempahla kwi-akhawunti yakho.
Ukuba intengo yesitokisi iyancipha ngokwaneleyo, umthengisi wakho uza kukucela ukuba ufake imali engaphezulu kwi-akhawunti ye-margin ukuze ugcine umda. Emva kokuba i-akhawunti ye-margin isetyenziswe, umthamo we-debit ngokubanzi awukwazi ukudlula i-75% yexabiso elipheleleyo lezinto. Uninzi lwabathengisi, nangona kunjalo, aluyi kuvumela inani elibolekelelwe lifike kuloo nqanaba. Ngokuqhelekileyo, xa imali-mboleko yemali engaphezu kwemali engama-65% okanye i-70% yeempahla ezipheleleyo, umthengisi uza kukucela ukuba ubeke imali engaphezulu kwi-akhawunti. Ukuba awunayo imali, i-firm ingaba ikhuphe i-akhawunti yakho yonke. (Umthombo: "IiAkhawunti zeMargin," i- Wells Fargo )
Ukuba ixabiso lesitoko liwa ngama-50%, ulahlekelwe ngu-100% lwakho lotyalo-mali. Ukuba iyawa ngaphezulu, unokuthi ulahlekelwe yimali engaphezulu kunokuba uqale utyalomali.
Kuyafana nokuthenga imoto okanye ikhaya, kuphela kule meko uthenga isitokisi. "Inkokhelo yakho" ixabiso lemali kwi-akhawunti. "Umboleko" ngowama-50% exabiso lentengo. Ixabiso lezindlu lingawela ngaphantsi kwexabiso le-mortgage, njengamaxabiso esitokisi angawa. Ukwahluka okukhulu kukuba ibhanki ayiyi kubakhokelela kwangaphambili kungakhathaliseki ukuba ixabiso lezindlu liye lide kangakanani, nje kuphela xa uqhubeka uhlawula. Umthengisi "uya kugqithisa," okanye enze umnxeba, ukuba imboleko ingaphezulu kwe-70% yeempahla kwi-akhawunti yakho ye-margin.
Iimpahla
Iimveliso zexesha elizayo zokuthengisa zisebenzise ngakumbi. Endaweni yokuboleka ama-50%, unokuboleka phakathi kwe-90% -95% yesivumelwano sexesha elizayo (umlinganiselo we-15: 1). Kungenxa yokuba inkontileka encinane i-$ 25,000 okanye ngaphezulu, kwaye ixesha elide. Uninzi lwamashishini alufuni ukugcina imali yabo ebophelelwe ixesha elide kwintrakthi enye. Ukongezelela, iimvumelwano zexesha elizayo zithengiswa ukuba zixhamle amafama, abaza kuthengisa izityalo zabo kwangaphambili. Oku kwabanika imali yokutshala izityalo, kwaye wabanika ixabiso eliqinisekileyo. Ngaphezulu, yibona Ngaba iimveliso zengozi ngokwenene?
Forex
Ubungakanani busesetyenziselwa ukusetyenziswa kweyona nto ininzi kwi- forex yorhwebo . Kungenxa yokuba izinga lokutshintshiselana litshintshana kakhulu, malunga neepesenti eziyi-1, ngexesha lemihla. Imilinganiselo eyongezelelweyo ikhuselekile kunokuba isitokisi, apho amaxabiso angagxuma amaxesha angama-10.
Ndiyabulela kula manqanaba aphakamileyo okubaluleka, ubuninzi bezohwebo zenzeke ngabathengisi abafuna ukuvelisa inzuzo kwiinguqu kwixabiso lemali phakathi kwamazwe. Njengama-stocks, uqala ukuvula i-akhawunti ye-margin. Ukuba ubeka i-$ 1,000 nje kuphela, unokuthengisa urhwebo lwemali eyi-100 000 yemali, kukunika isilinganiso sokulinganisela esingu-100: 1. Ngokuqinisekileyo, umngcipheko uphinde ube mkhulu. Uninzi lwabathengisi basebenzise iinqununu ezinqamlekileyo zokuyeka ukuthengiswa kwezorhwebo ukuba izinga lokutshintshisana liyawachasa. Kucetyiswa ukuba abathengisi abancinane banelisekile ngomlinganiselo wokulinganisela we-50: 1 .
Ukuthengwa okuViweyo
Ukuthengwa okuxhaswayo xa umtyalomali, ngokuqhelekileyo inkampani okanye iqumrhu elilinganayo lobulungisa , uthabatha imali mboleko ukuthenga enye inkampani, ngokuqhelekileyo enye inkulu kakhulu. Inkampani isebenzisa iifayili zayo njengenye yemboleko yemboleko. Okubaluleke ngakumbi, uthembisa ukusebenzisa i-collateral kwinkampani ejoliswe kuyo. Oku kuvumela inkampani encinci ukuboleka ngokwaneleyo ukuthenga inkampani enkulu kakhulu. Xa ukuthenga kuyaphumelela, ityala lifakwa kwiincwadi ezijoliswe kuyo, ukushiya inkampani ekufumaneni ngayo ingozi engenakho ingozi.
U ku sebenza
Imilinganiselo yokusebenza yindlela inkampani esebenzisa ngayo ixabiso layo elibiweyo, njengemishini, izixhobo kunye nemirhumo yabaphuhlisi beefowuni, ukudala inzuzo.
Inkampani enempahla eninzi ehleliweyo, njengomenzi wezithuthi okanye iphephandaba, linomlinganiselo ophezulu wokusebenza. Kungenxa yokuba, xa ingeniso yayo ingaphezu kweendleko ezinqamlekileyo, enye inzuzo inzulu. Unako ukuphucula impahla yayo ehleliweyo ukwenyusa kakhulu inzuzo yayo xa amaxesha amnandi. Nangona kunjalo, lo mgangatho ophezulu osebenzayo uthetha ukuba, xa uqoqosho luyehlisa, ingozi enkulu kakhulu. Kufuneka ihlale ingenisa imali eyaneleyo yokuhlawula iindleko zayo eziphezulu.
Inkampani eneendleko ezininzi eziguquguqukayo, njenge-Walmart ene-labor-intensive, inexabiso eliphantsi lokusebenza. Iindleko ezizinzileyo, ezifana nezitolo, ziyingcinci encinci yeendleko zayo zonke. Kunoko, ininzi yeendleko zayo zihamba kunye neentengiso. Ngamanye amazwi, xa kuthengisa ngakumbi, iimveliso ezingaphezulu kufuneka zizithenge kunye nabathengi abaninzi, abahloli kunye nabaphathi kufuneka baqeshwe.
Umthamo wabathengi
Nangona abathengi ngokuqhelekileyo bakhetha i-credit and loans. I- Recent Recession yadala ukutshintshwa kwendlela yokuthenga abathengi . Wabanyanzelisa ukuba bangabikho kumakhadi-ngetyala, basebenzisa amakhadi e-debit , uhlolo okanye ikheshi ukuqinisekisa ukuba banako ukuthenga ukuthenga kwabo. Bawasebenzisa ngokunjalo ngemali-mboleko ephantsi yokuthenga iimoto nokufumana imfundo. Fumana ukuba ityala lakho lekhadi lekhredithi lilingana nomyinge .