Izinto Ezikufuneka Uyenze Ukuba Ufuna Ukuzityebi

Akunzima Ukwakha Ubutyebi

Isifundo esisitshintsho esisodwa kwisifundo esandifunde ngokuphathelele ukutshala imali kwimasheya kunye nemarike yemasheya kufika xa ndandiselula. Ndandifunda i-1973 edition (i-4th edition) ye -Intelligent Investor nguBenjamin Graham kwiiphatho ezimhlophe zokugungqa kwi-Airport ye-La Guardia, elindele ukuthatha ikhaya lokubalekela eKansas City ukusuka kwikholeji ukutyelela intsapho yam ngexesha lokuBonga.

Namhlanje, ikopi efanayo ihlala ephawulwe kwiofisi yam, ngamanqaku abhalwe phantsi kweSahluko 8, apho uGraham athi: "Ngaloo ndlela umtyalo-mali ovumelekile ukuba atyunwe okanye angakhathazeki ngokungathethiyo kwemakethe enganakunyaniseki ekubanjweni kwakhe ukuguqula ngokungafanelekileyo inzuzo yakhe ezingundoqo.

Le ndoda yayiya kuba ngcono xa izitokisi zakhe zingenakho ukucaphulwa kweemarike nangoko, kuba wayeya kusinda ingxaki yokugula eyayibangelwa ngabanye abantu ' iimpazamo zomgwebo.'

Ukutshala imali kwiiShishini Kufana nokuba neBhizinisi labucala - abaqhubi bempumelelo bafana

Nangona kwakudala ixesha elidlulileyo, bekuloo mzuzu ukuba "ndifumene". Ukuba ndibe neepesenti ezingama-25 zendawo yokuhlala ye-ayisikrimu, isicwangciso sam asiyi kuyenza imali ngokuthenga okanye ukuthengisa ubunikazi kubanye abanamalungelo okubambisa, ukuxhaphaza ukungazi, ukuhaha okanye ukwesaba. Endaweni yoko, isicwangciso sam siya kuba sisigxina. Ndingafuna ukwenza imali ngokuvelisa imali ngokuthengisa i-ayisikrimu, ukuvula indawo ezintsha, nokuhlawula inzuzo kwakhona kumashishini okwandisa. Ukuba sasingakwazi ukufumana ukubuyisela okuhle , imali iya kuhanjiswa ngendlela yezahlulelo ukuze ndifumane enye into enokuyenza ngemali. Imarike yemasheya ayifani.

Isabelo ngasinye sesitokisi asifani neseyunithi ebambiseneyo yokubambisana okanye inxalenye yobulungu benkampani .

Umsebenzi wam kwakufuneka kuthathe imali engayifumana kwimpilo yam ngemihla ngemihla kwaye ndiyisebenzise ukuthenga ubunikazi beengqungquthela ze-ice cream. Ndandifuna amabhizinisi amaninzi afumana ukubuyiswa okuphezulu kwiinkunzi ezinkulu, angenawo amatyala amancinci, amandla amanani okukhusela ukulwa nokunyuka kwamaxabiso , kunye ne-franchises ezinamandla ukuba enze njengomshuwalense ngokulawulwa okungenakukhunjulwa kolawulo, oluza kuhamba ngexesha elide.

Ndiza kubhalwa ngokukhawuleza ukubhala iireki kwaye ndiyibeke kwi- akhawunti yami yomrhwebi , ndithengise ubunikazi kuyo yonke into esuka kubakhiqizi be-sealant kwiinkampani zembatho zentsha, ipropati yendawo kunye ne-inshorensi ye-inshorensi yecala lokugcina indawo. Izabelo ziza kungena, zongezwa kwi- cash entsha endiyibeke kuyo, kwaye ndisebenzise ukuthenga ubuninzi obuninzi kwiifenethi ezibonakala zixabisekileyo.

Kwakukho iindleko ezinkulu zentengo endleleni, kodwa ndandingazange ndithengise nantoni na. Ifilosofi jikelele, ukuba ndifuna ukuthengisa, ndenze iphutha ekuqaleni. Amashishini amakhulu akatshintshi. Kungenzeka - jonga nje oko kwenzeka kwi Kmart kunye neSears kwilizwe le-Wal-Mart kunye neTgethi-kodwa ngokuqhelekileyo kwenzeka ngexesha elide, phambi kwakho. Ndiyithandile ingcamango yokuba, ngolunye usuku, izahlulo zonyaka zezinye zezithuba zotyalo-mali ziza kudlulela kwisiseko seendleko zezabelo zangaphambili.

Ndisindisile, kwaye ndafumana, ndibukele ukukhula kwam. Nokuba i-Great Recession collapse, eyabangela ukuba amaxabiso okulingana awele kuma-53.9 ekhulwini ukusuka kwiphakamiso ukuya kwinqanaba ukusuka ngo-Oktobha 9, 2007, ukuya ku-Matshi 9, 2009, kwakungeyona nto yithuba lokuthenga ezinye iinkampani endibathandayo kunye nokwandisa amashishini ndilawulayo.

Ngenxa yoko, inzuzo yam nenzuzo kunye nemali engenayo iphezulu kakhulu kuneeminyaka emihlanu edlulileyo.

Abathengi abangenamava bathengisa iiMpahla ezinokuthi zizityebi

Kwisibonakaliso sokuqala senkathazo, abaninzi abantu bathengisa iipropati ezilahla imali kunye nemali engenayo . Kufana nomlimi ekuphumeni kwaye ehlwitha imbewu eyatshala kuphela iiveki ezimbalwa ngaphambili. Awukwazi ukufumana isityebi. Emva koko, abantu abafanayo, kwisibonakaliso sokuqala sempumelelo, basebenzise imali yabo ukuze bathenge ixabiso elilahlekelwa lixabiso. Baya kuboleka imali ukuthenga i-Ford eyi-30,000, bongezelela i-$ 7,000 kwiindleko zentshisekelo ngaphezulu kwayo, kodwa akangeze bathenga ukuthenga i-$ 7,000 imoto, endaweni yoko, ukuhlawula imali kunye nokusebenzisa i-$ 30,000 ukuthenga izabelo ze- chip ephakamileyo ephakamileyo ye- chip njengeRoyal I-Shell yaseDutch, eya kuchitha i $ 1,410 ngemali ngonyaka wokuqala.

Ngubani onyamekelayo ukuba intengo yesitokthi yenza ntoni kwenyanga ukuya kwinyanga okanye nangonyaka unyaka? Ngoku unayo i-$ 352.50 eyongezelelweyo yithunyelwe kuwe ngemali nganye emva kweenyanga ezintathu, ithuba elihle kakhulu lolo nani luya phezulu kwixesha elide.

Awunakuyenza loo maxesha amaninzi ebomini ukwenza umehluko. Cinga ngezinto esixoxe ngazo kule ntsasa xa sibheke indlela i-$ 100,000 yokutshala imali kwi-Wal-Mart Stores kwiminyaka elishumi eyadlulayo, izahlulo zivunyiwe, ngoku iipompo zikhekhe iirhafu ze-12,696.92 ngonyaka, okanye i-$ 3,174.23 ngeenyanga. Ukuba i-Wal-Mart iphinda iphinda loo ntsebenzo, kwaye utyalo-mali wethu wezobugcisa uyaqhubeka nokubamba enye i-10 ekuhlaleni igalelo ukuya kwi- DRIP okanye isicwangciso sokuthenga esitokisini esithe ngqo , izibalo zibonisa ukuba uya kuqokelela i-$ 51,258 + ngemali ekhethiweyo ngonyaka, okanye i-$ 12,815 nganye kwiinyanga ezintathu. Isigqibo esisodwa esenziwe kwiminyaka emashumi mabini ngaphambi kokuba sibe nemiphumo emikhulu, ehlala njalo. Andikhathaleli ukuba unotyebi kangakanani, i-$ 51,258 ngemali eyongezelelweyo ezayo ngokuzenzekelayo unyaka ngamnye yimali yangempela, nangona ufuna ukunika konke ukuthanda.

Uluhlu lokuHlola

Ukuba ufuna ukuthatha umhlalaphantsi ocebileyo, kukho ezintlanu izinto omele uzenze:

1. Faka imali engaphezulu kunokuba uyichitha, ushiye intsalela. Kukho iimbambo ezimbini kuphela onokuzidonsa ukuphumeza oku.
2. Beka le ntsalela ngenye inhlobo yerhwebo elincomekayo, i-akhawunti, isicwangciso, okanye intlangano
3. Beka loo ntsalela ukuba isebenzele wena njengokuba uza kuba ngumqeshwa, ukuphepha ingozi engadingekile kwaye ufumane umvuzo ogqithisa irhafu kunye nokunyuka kwamaxabiso ngomda okhululekile.
4. Yongeza kule mali emva konyaka ngokufaka imali eninzi yeentlawulo kunye nokubuyisela imali eyimali eyenziwe ngokubamba kwakho
5. Geza, uhlambulule uphinde uphinde ulandele iminyaka emininzi

Akukho matshini kwenkqubo ngaphandle kommangaliso we-geometric compounding. Kunamandla kangangokuba iminyaka engama-50 ubudala, unokuba ne-9 kwabali-10 abaqala ukutshalwa kwezimali-mali ukucinywa kwindlela kunye nokuthatha umhlalaphantsi kunokuba ungekho. Abalimi abancinci kakhulu banandipha le ntlawulo, nangona kunjalo, kuba bahlala bethenga nokuthengisa, bezama ukwenza imali ngokuqhelisa nokusebenzisa ububudenge babanye, kunokuba baqokelele isabelo sabo semali esekelwe kumashishini abo.