Indlela Yokwenza Imali Ngokudala Imali Engenayo
Ingcamango eyisiseko yengeniso engenayo kukuba yimali efunyenwe ncinane okanye akukho mzamo ofunekayo ukuze kugcinwe ukuhamba kwembuyekezo xa kwenziwe umsebenzi wokuqala.
Eminye imizekelo eqhelekileyo yengeniso engenayo yile:
- Ukuqeshisa kwi-real estate yepropati
- Imirhumo yobungelo lobunikazi yokuvelisa
- Iimpawu zentengiso yokuhlawulwa kweelayisenisi zabalinganiswa okanye iimpawu ozenzayo
- Iimpahla ezivela kwiincwadi, iingoma, iimpapasho, okanye enye imisebenzi yasekuqaleni
- Inzuzo evela kumashishini apho ungananto okanye akukho nxaxheba kwimihla ngemihla okanye uxanduva
- Iintlawulo ezisuka kwiintengiso ze-intanethi kwiblogi okanye kwiwebhusayithi oyikho
- Izahlulo ezivela kwiimpahla, ii-REIT , i-equity funds , okanye ezinye i-securities equity
- Inzala ekubanjweni kweekhontrakthi , izatifikethi zokufaka idiphozithi okanye iimarike zemali , okanye enye enye imali kunye neemali zemali
- Pensions
- Ingeniso ehlalayo kumntu othengisayo kwi-akhawunti ehlaziywa ngokuzenzekelayo njengommeli wempahla yezemidlalo ofumana ikhomishini kwi-akhawunti yakhe, ukuzisa amawaka angamawaka eedola nganye kwisitoreji ngonyaka ukulungiselela abasebenzi xa bevuliwe
Kutheni Ufanele Uthande Imali Eyingqalileyo kwiNgeniso Esebenzayo
Imali engenayo imnandi kuba ikhulula ukuba uchithe ixesha lakho kwizinto ozonwabileyo.
Umgqirha ophumelele kakhulu, ugqwetha, okanye umbhali, umzekelo, abanako "ukulandelela" inzuzo yabo ngamazwi omlobi owaziwayo. Ukuba bafuna ukufumana umlinganiselo ofanayo wemali kwaye banandipha ubomi obufanayo ngonyaka ozayo (kwaye unyaka emva koko), kufuneka baqhubeke besebenza inani elifanayo leeyure kwizinga elifanayo lokuhlawula.
Nangona loo msebenzi ungabonelela ubomi obumnandi, kufuna umnikelo omkhulu kakhulu ngaphandle kokuba uyonwabele yonke imihla yokugaya umsebenzi okhethiweyo. Okubi nakakhulu, xa unqwenela ukuthatha umhlalaphantsi, okanye ukufumanisa ukuba awukwazi ukusebenza nantoni na, inzuzo yakho iya kupheliswa ngaphandle kokuba unenxalenye ethile yengeniso engenayo. Kwixesha elidlulileyo, oku kuphunyezwe ngokuthatha inxaxheba kwabasebenzi kwiiplani zempesheni ezixhaswe yinkampani kodwa loo mkhumbi sele ihamba ngomkhumbi ngeyona nto inkulu yabasebenzi basekhaya nakwihlabathi.
Iintlobo ezimbini ezibanzi zeNgeniso yeNgeniso
Kukho iintlobo ezimbini zeengeniso ezingenanto kunye nazo zonke i-career yakho, eziza kugxininisa kuzo kuya kuxhomekeka kwiimeko zakho zemali zangoku, iitalente, izakhono nobuntu. Iindidi ezimbini zeengeniso ezingenanto zi:
- Imithombo engenayo yemali efuna ukuba inkunzi iqalise, igcine kwaye ikhule
- Imithombo engenayo yemali engenakudinga ukuqala, ukugcina nokukhula
Abo bakhetha ukugxila kwiklasi yokuqala yeholo engenayo baya kufuna iimali zentsapho , iimali ezivela kubatyalomali, okanye intsholongwane yokuboleka imali eninzi ngokuthatha ityala ekuxhaseni ukuthengwa kwempahla. Eyona nto elula ukuyiqonda ngumntu othabatha iibhanki ezinkulu zebhanki ukwakha isakhiwo sezindlu okanye ukuthenga izindlu zokuqashisa.
Nangona oku kunokuguqula inani elincinci lokulingana kumjelo omkhulu wemali, ayikho ingozi. Xa usebenzisa imali eboleweyo, umda wokhuseleko uncinci kakhulu kuba awukwazi ukufumana isantya esifanayo sokumisa ngaphambi kokusilela kwaye ufumana ibhalansi yakho echithwe.
Omnye umzekelo wesigaba sokuqala somvuzo ongenayo ngumntu onobunini bumnini kwishishini lokusebenza njengowomveliso okanye ifenitshala yefenitshala kwaye ivumela ukuba ishishini likhuphe iitalato ukuze kuxhaswe ukwandiswa. Abaphathi bezitolo zakuqala eWal-Mart abavunyelwe ukutyalomali ngaphambi kokuba inkampani ihambe esidlangalaleni yayisesikhundleni.
Iiphothifoliyo ezinkulu zokutyalomali ziwela kuloluhlu lwemali engenayo. Ukuba unayo imali eyi-$ 10,000,000 ye- chip chip esitokisini , ungalindela ngokufanelekileyo ukuba uhlawule ama-$ 200,000 ukuya kwii-500,000 zamawaka ngonyaka kuye kuxhomekeke kwiindidi zeenkampani ozibeka phambili; umzekelo, ukukhutshwa okuphezulu okubanjiswayo njengeenkampani ezinkulu zeoli ziza kukhula ngokukhawuleza kodwa zibonelele ngokuhlawula imali eninzi kuneenkampani ezinokukhula ngokukhawuleza kwimivuzo kwisabelo ngasinye kwisabelo ngasinye.
Ukuthi okanye ungayichitha iintsuku zakho udlala igalofu, ukupenda, okanye ukubhala incwadana enkulu yaseMelika, uza kuqokelela iitsheki njengoko ezo shishini zihlawulwe inxalenye yemali yazo. Ingxaki, eqinisweni, kukuba kuthatha izigidi ezilishumi ukuba zibe kuloo ndawo; into embalwa abantu abayi kuyenza.
Inkalo yesibini yemali engenayo-oko kukuthi, imithombo engenayo engenayo engadingi imali yokuqalisa, yokugcina, nokukhula-yinto ekhethekileyo ngakumbi kunabo abafuna ukuqala ngokwabo kunye nokwakha i-fortune. Ziquka izinto ongazenzayo, njengencwadi, ingoma, ilungelo lobunikazi, uphawu lokuthengisa, indawo ye-intanethi, ii-commissions eziphindaphindiweyo, okanye amashishini afumana inzuzo engapheliyo kwi-equity ezifana nomthengisi we-e-commerce umthengisi ongenanto okanye engekho imali eboshweyo ekusebenzeni kodwa ufumana inzuzo kumnini.
Iindlela ezininzi ezithatyathwa rhoqo kwiNkcazo yeNgeniso
Kubonakala ukuba indlela eqhelekileyo yokuvelisa imifudlana emikhulu yokufumana imali kukusebenza kumsebenzi oyintloko kwaye isebenzise imali engenayo ngenjongo yokuthenga iimpahla ezivelisa imali engenayo rhoqo.
Ugqirha okanye ugqwetha kumzekelo wethu wangaphambili, umzekelo, unokusebenzisa imali engenayo ukutshala imali kwi-start-up okanye ukuthenga izabelo zeenkampani zonyango oziqondayo njengoJohnson & Johnson. Ngethuba lexesha, uhlobo lokuhlanganiswa , idola yeendleko zokulinganisela , kunye nokuhlawulela igalelo kungabangela iphothifoliyo yakhe eyenza imali engenayo engenayo . Ukuphazamiseka kukuba kungathatha amashumi eminyaka ukufezekisa ngokwaneleyo ukuphucula ngokwenene umgangatho wakho wokuphila kodwa kuseyona ndlela eqinisekileyo yobutyebi esekelwe kwimpumelelo yomsebenzi wobunini kunye namasheya.
Imirhumo kunye neNgeniso yeNgeniso
Inzuzo enkulu yokufumana ingeniso engenayo kukuba ihlala ihlawuliswa ngakumbi kunemali engenayo. Oku kungabonakala kungalungile, kodwa ingcamango kukuba iya kubanika abantu ithuba lokutshala imali kwiimpahla eziza kukhula kwezoqoqosho kwaye zenze imisebenzi.
Umnini wezoshishino osebenza kwinkampani yakhe, umzekelo, kufuneka ahlawule i-15.3% eyongezelelweyo kwimirhumo yokuhlawula i-self-employment tax compared to someone who had a interest in the same limited investment company . Ngamanye amazwi, enye ingeniso efunyenweyo iya kuhlawulwa intela ephezulu kunokuba ingahlawulwanga.
Ukuba ukuhlawula irhafu kunye nokulawula ixesha lakho akukhuthazi ukuba ukhethe imali engenayo ngaphezu kwemali engenayo, andiyazi ukuba yintoni.