Iingcamango malunga nokuQala iNkqubo yoTyalo-mali entsha ngexesha loLungu lokuPhinda
Wawuthatha lo myalezo ngokubhekiselele kwincwadi yakhe ye-2008 eya kubanikazi abanini-mabango baseBerkshire Hathaway xa wathi, "Ngeli-20 leminyaka kuphela, sasijongene neemfazwe ezimbini ezinkulu (enye esaqala ukuba nayo ukuba ilahlekelwe); ezili-12 okanye ukuphazamiseka kwezinto kunye nokuhanjiswa; ukunyuka kwamaxabiso okukhokelela ekukhokeleni kwi-21 1/2% kwizinga eliphambili ngo-1980; kunye nokudakumba okukhulu kwee-1930, xa ukungaqeshwa kwabasebenzi bekuphakathi kwe-15% kunye ne-25% kwiminyaka emininzi.
I-Amerika ayinakho ukusilela kwemingeni. Ngokuqinisekileyo, kunjalo, siye sabanqoba. Ekujonganeni nale miqobo - kunye nabanye abaninzi - umgangatho wangempela wokuhlala kumaMelika uphucule ngokuphindwe kasixhenxe ngee-1900, ngelixa i- Dow Jones Industrials isuka kuma-66 ukuya ku-11 497. "
Kwakuye kumaxesha anzima ukuba yonke inzuzo eyenziwe. Njengoko uvile unditshilo kwixesha elidlulileyo, uphando luye lwabonisa ukuba kuphela i-10% yezigidigidi kweli lizwe lazuza ilifa labo kunye nezinye i-90%. La bantu abazange bahlale kunye nekhaya baze baxakeke ngenxa yentlekele yabo ngenxa yokunciphisa okanye ukudandatheka.
Ukufumana kwakhona kunokukunika ithuba lokuthenga ii-asethi
Amathuba ajikeleze onke amaxesha, ukuba uyabakhangela kwaye uyamkela xa beza. Enyanisweni, ukunyuka kwemali kunokuba yinto efanelekileyo kakhulu yokuqalisa ukutyalomali kuba amaxabiso asethi ahlala ekhuni, oku kuthetha ukuba ungathabatha amasheya , iibhondi , iimali eziphathekayo , i- estate , amashishini abucala, kunye nokunye okuncinci kunokuba ungaphantsi nje. kwiminyaka engaphambili.
Njengokuba abanye abatyali-mali baphoqeleka ukuba balahle impahla yabo, ungangena kwaye uwathathe ngenxalenye yexabiso lawo!
Oku kufuna ubulumko. Iimpawu ezintle ukuba awuyi kuthengwa phantsi, oku kuthetha ukuba kuya kufuneka ujonge iphothifoliyo yakho iya kuqhubeka emva kokuba wenze utyalomali lwakho.
Yingakho iingcali zincoma ukuba ungene kwi-thengethe ngokusebenzisa idoli ebiza indleko yokulinganisela kunokuphalaza yonke inkunzi yakho ngokukhawuleza. Ukuba ulandele amanyathelo esiwabekayo kwi-Complete Portfolio, umgca wendlela umtyalo-mali omtsha kufuneka azame ngayo xa ebeka isicwangciso salo semali, la mahlapho akufanele akukhathalele ngenxa yokuba awuyi kunyanzelwa ukuba uthengise kusasa. A
Ukuba ungumnikazi webhishini elincinci, ukutshala imali kwimali-mboleko kunokuqonda ukuba uqeqeshelwe ngokwaneleyo ukukhusela imali yakho kwaye ungalulali ngaphezu kokuba unokwandisa ngokufanelekileyo. Kungenxa yokuba ukhululekile ukuthatha ishishini kumaqhankqalazi akho njengoko bekhupha imali yabo yokuthengisa okanye baqeshwe abasebenzi. Ngokomzekelo, ezininzi ezininzi zokuthengisa iintengiso e-United States, zenziwa ngamashishini abenezo zandisa i-storefronts ngexesha lokuhambisa ngaphandle kokungathengi nantoni ngelo xesha.
Akunakwenzeka Ukuba UnesiCwangciso
Umgca ophantsi ulula. Ukuba unayo isiseko sendawo, utyalomali kwi-inshurensi yempilo, uyenzela idoli yerhafu, uhlawulela izabelo zakho , kwaye ugxininise ekunciphiseni iintlobo ezi - 3 zengozi yokutyalomali, kungenangqondo xa uqala ukutshala imali kwimali. okanye hayi.
Unikwe ixesha elaneleyo, kufuneka ufumane iziphumo ezingaphezulu kunelisayo, kukuvumela ukuba wakhe ubutyebi bakho kwaye ujabulele ubomi obusoloko uphupha ngalo.