Iingcebiso kunye neenjongo zokunceda ukugcina iCash kwi Pocket yakho
Ukugcina imali, okanye umkhwa wokugcina njengeNapoleon Hill ukubeka iminyaka emininzi edlulileyo, sisiseko salo lonke uphumelelo lwemali, kuquka ukutyalomali. Ukuba nemali elondoloziweyo yintoni inika iindlela zokusebenzisa iimeko, nokuba uya kubukholeji, ukuqala ishishini elitsha, okanye ukuthenga izabelo zesitokhwe xa iimarike ziphazamiseka. Ezi zibonelelo zemali ziza kunika isiseko kwaye ziphendule imibuzo efana nayo, "Ndingakanani imali endimele ndisindise?" kwaye "Uthini umahluko phakathi kokulondoloza nokutyalomali?". Uya kufunda kwakhona iindawo ezifanelekileyo zokugcina izinto ezifana nokuhlawula imali kwindlu.
Ngaba wayesazi ukuba kukho umda omkhulu phakathi kokugcina imali kunye nokutyalomali? Ngaphandle kokuba unelungelo lokuba ngumntwana weebhanki ocebile okanye utyalomali, akunakwenzeka ukuba ubani wakha wakufundisa oku. Ukugcina imali kunye nokutyalo imali kunendawo yabo ebomini bakho kodwa baneendima ezahlukileyo. Indlela oyisingatha ngayo ingaba nempembelelo enkulu kwimpumelelo yakho yezemali, inqanaba lokunyamezela, kunye nendlela ucebile ngayo ekugqibeleni. Oku kunokuthetha ukuhluka phakathi kokubandezeleka okanye ukuxinezeleka ngemiguqa emhlophe okanye ukulala ngokukhawuleza ngobusuku ukwazi ukuba unayo i-liquidity eyaneleyo esandleni. Fumana umehluko ... Nangona uzibophelele ukugcina imali, unokufumana uwela emgibeni wokuchitha i-R $ 5 apha, okanye i-$ 13 apho, ucinga ukuba, "Akunjalo. Ngokuxhomekeke kwiminyaka yakho, le nto ingaba yimpazamo enkulu. Elinye lamacandelo ekhoneni lokugcina imali liqonda ixabiso lemali - oko kukuthi, i-$ 1 namhlanje ibaluleke ngaphezu kwe-$ 1 ngonyaka ukususela ngoku. Le ngcebiso yokugcina imali yodwa ingakunceda ukuba utshintshe iphepha lakho lokulinganisela kwiminyaka elishumi ezayo njengoko ukhulula imali ukuze ubeke kwiindawo zokugcina. Jonga ukuba ukusindisa nokuba nemali encinci namhlanje kungakhokelela kwizigidi zeedola ngobutyebi besikhathi esizayo ... Wonke umntu owaziyo ukugcina imali kufuneka abe yinto ephambili ephambili kwaye abaninzi abantu bahlakaniphile ngokwaneleyo ukuba bajonge ukugcina iingcebiso zemali, kodwa bangaphi abantu abayaziyo ukuba bangakanani imali abafanele bayigcine? Ininzi abantu bakholelwa ngokungekho nto ukuba ukulondoloza imali emininzi kungcono, ukugcina imali encinci kubi. Musani ukungahambi kakuhle, oko kuyinyaniso ngokubanzi, kodwa kuxhomekeke kwiimfuno zakho, ukhetho lokuphila, kunye nemali engenayo, inani lemali oyifunayo ukuze ulondoloze kwaye lufumaneke xa kwenzeka intlekele okanye ithuba legolide lingafani ukusuka kubahlobo bakho, intsapho kunye nabamelwane. Ukuqhathanisa nabanye kudla impazamo eya kugqitywa kwiintliziyo ezingenasidingo kunye noxinzelelo ukuze ube nobulumko ukuba ungenzi. Inqaku elidibanisayo ekupheleni kwesi siqendu lahlanganiswa ukukunceda ukuba ufikelele ngokubala ngokubaluleka malunga nokuba yeyiphi imeko efanelekileyo, nangona kubalulekile ukuba usathetha nomcebisi wakho wezezimali ngaphambi kokuba wenze isigqibo. Ithemba lam kukuba liyakunceda ukuba ulinganise ukuba ngaba ulindelo lunengqiqo ngokusekelwe kwiimeko kunye neenjongo zakho. Bala ukuba kufuneka ugcine imali engakanani ... Enye indlela engcono yokuqalisa ukugcina imali kukusebenzisa ubuchule obubizwa ngokuba buhlawule kuqala. Le ndlela iye yavunywa ngokuphindaphindiweyo ukwenzela ukuba abantu batshintshe ukuziphatha kwabo. Enyanisweni, ndiza kuthi mhlawumbi iyona nto ibaluleke kakhulu yokugcina imali eyakhayo. Funda ukuba ungaqalisa njani ukugcina imali ngokuzihlawula kuqala ... Ayithethi ukuba ngamanye amaxesha, ukugcina imali kunokuba nzima. Njengoko ubomi buvame ukuphosa kuthi, iziganeko ezingalindelekanga ziyakwenzeka, ziphazamise ishedyuli yakho yokugcina nokugcina. Ukuncedisa abo bazama ukuhamba kunye nenkululeko yemali, ndidibanise ezi ngcebiso ezihlanu zokugcina imali; nganye eyenzelwe ukukunceda ukwenza inkqubo yokugcina imali ilula kangako ukuze ungacinezelekanga njengoko usebenza kumgomo wakho. Funda oko ba ... Ukuba ufuna ukwazi ukufumana ubutyebi , imbali ibonise ukutshala imali kumashishini amileyo yindawo enokuqala. Nangona kunjalo, ngaphandle kokuba ulungile ekulondolozeni imali, ukutshala imali kumashishini amahle akunakwenzeka into ongayenza. Ukukunceda uqale ukugcina imali namhlanje, ezi zicebiso ezine ziya kukunika iingcamango zokudala imali onokuyisebenzisa ukukhulisa utyalo-mali lwakho, ukukubeka endleleni yokuzimela ngokwezimali kunye nobutyebi obukhulu. Fumana ezi zicebiso ezine zokuza ngemali ... Iimbambiso zisoloko ziyingxaki enkulu yokuqala inkqubo yokugcina imali. Ukuba ityala lakho likuhlawula inzala ye-15%, kwaye awunayo imali eninzi eyishiywe emva kweendleko zakho, kulula ukubona ukuba kutheni imali yokugcina imali ingaba ngumsebenzi onzima. Enyanisweni, enye yemibuzo ethandwa kakhulu ndiyifumana kukuba, "Ngaba kufuneka ndiqale ukugcina imali ngokukhawuleza okanye ukuhlawula phantsi kwam ityala lam kuqala?" Nantsi impendulo yam ekulondolozeni imali ngokuhlawula phantsi ityala lakho ... Umtyalo-mali weBillionaire uCharlie Munger uye wasoloko wathi inzima kakhulu yokuba ngumntu ozimele ngokwasemali ukugcina i-$ 100,000 yokuqala. Xa usuwela umnqamlezo, unemali efunekayo ukuze ufumane iimali-mboleko zebhanki ukwakha ishishini okanye ufumane i-real estate, okanye wenze utyalo-mali kwimarike yemasheya ezinokuthi utshintshile ngokwenene xa izinto zisebenza kakuhle. Eli khokelo linyathelo-nenyathelo lenzelwe ukugcina imali, ingakumbi i-$ 100,000 yokuqala, lula ngokubonelela ngezinto ezinokuyenza ukuze ufezekise injongo yakho. Qalisa ukugcina imali ngoku ... Ngaba ugcina imali yokuhlawula indlu? Ngaba ukhathazeka ngokufumana imali-mali yokugcina loo mali iphephile uze ulungele ukuthenga? Awunedwa kwiingxaki zakho. Nangona kunjalo, esi sikhokelo senzelwe ukukunceda ukunciphisa uxinzelelo lwakho kwaye kukunike iingcebiso ezifanelekileyo nezimpendulo kule mibuzo. Khangela ukuba zeziphi iindawo ezifanelekileyo zokugcina imali yokuhlawula ... Ngaba uyazi ukuba ngowe-1919, iintsapho ezithatha i-$ 19 ngokugcina imali zakwazi ukuthenga isabelo esinye sale ndawo eyaziwayo, esiphumeleleyo esiphumelelene nesitampu se-blue-chip? Namhlanje, eso sabelo sodwa, izahlulelo zivunyiwe, zixabisa ngaphezu kwama-5,000,000. Oku kwenzeka konke ngenxa yomkhuba wokulondoloza. Kubalulekile ukuba ungadeleli usuku lwezinto ezincinane zokuqala. Ngoku ke, malunga nendlela encinci yokugcinwa kweakhawunti yakho ngoku, kunye nolawulo lobulumko kwaye uqeqesha iindleko zokunciphisa izindleko, unokwenza ngolunye usuku ufumane ubuncwane. Khangela le ngxelo yempumelelo yempilo ngokugcina imali kunye nokutyalomali njengenxalenye yengxoxo enkulu malunga ne-IPOs ... Izibophelelo zokulondolozwa kwe-US enye yezona ndawo zikhuselekileyo ukugcina imali ukuba akudingeki ukuba uyichukumise ubuncinane omnye unyaka kuba ibhondi nganye iqinisekisiwe ukuba ingalahlekelwa yimali nguRhulumente wase-United States. Dive kwilizwe elonwabisayo lokubambisa izibopho ... Emva kokuba ujwayelene nezihluthulelo zokulondoloza imali, isinyathelo esilandelayo kukufunda indlela yokuzityebi . Olu qoqo olubanzi lwamanqaku, izibonelelo, kunye nezikhokelo zokutyalomali, ukwakhela ubutyebi, ukugcina, nokuphathwa kwemali, zonke zenzelwe ukukunceda ufunde ukufeza oko. Funda indlela yokuzityebi ...