Ixabiso lentengo
Ukugqithiseka okungenangqiqo ngexabiso lentengiso kubonakala kuphela kwizinto ezifana nezitokiselwano ezithengiswa esidlangalaleni, izibophelelo , imali kunye kunye nokukhethwa kwezinto.
Emva kwakho konke, ngaba uke weva ngomlimi ecela ukuhlolwa kwamalanga onke kwilizwe lakhe? Umculi weengoma ofuna ukulinganiswa kwansuku zonke zeikopi zakhe? Umnini omncinci wezoshishino usoloko ehlawula i-accounting firm ukubala ixabiso lokubuyisela kwenkampani yakhe? Akunjalongo noko! Nangona kunjalo, xa kuziwa ekubanjeni isahlulo se shishini, isabelo sesitokisi, abatyala-mali abanolwazi abanokuziqwalasela oko abanye abantu abakwenzayo ngemini yemihla okanye nangomzuzu ngomzuzu, ukuthengisa njengoko izabelo zabo ziwa kwaye ukuthenga njengoko bevuka; iresiphi yentlekele ethile.
Le meko imbi kakhulu, uphando lweengxowa-mali zohlalutyo luye lwabonisa ukuba ngamaxesha apho imali ephantsi ihlanganiswe kwi-9%, i-10%, kunye no-11%, abatyali-mali ngabanye bafumana i-2%, i-3% kunye ne-4% ebuyiselwe ngenxa yokuba bezanyazanyiswa ngenyameko, babehlala bethenga baze bathengise izikhundla zabo kunokuhlala phantsi baze bafumane ubuninzi.
Ukwenza Imali Ukusukela Ekutshatsheni
Kunokwenzeka ukuba wenze imali ngokungahambisani. Uxabiso lwabatyalomali bafuna ukuthenga impahla xa kungekho mntu ufuna. Ezinye iintlobo zeendlela zokuthengisa abathengi zenza inzuzo ephezulu xa ukwesaba kuninzi kuba abantu bazimisele ukuhlawula ngaphezulu ukuba babhale iziphumo ezifana nokubeka okukhethwa kukho.
Enyanisweni, kungenakulungile ukusho ukuba uchwephesha ngakumbi kunye neengqondi-mali-mali, ukunyaniseka kunenzuzo kuye kuba unokuyisebenzisa ukuthenga okungakumbi izinto ezingabizi kwaye uthengise ngaphezulu kwexabiso. Abatyalo-mali kwii-oyile zeoli bahlawulwa ukuba bathathe umonakalo nokuba ngaba bayayiqonda okanye ayikho, njengeklasini efumana ukubuyiswa kwemakethe ukusuka kwi- S & P 500 yavulwa emva ngo-1957 kodwa ngezinye iindleko zokuhlala i-50% + ilahleko ze-3 , 5, okanye iminyaka engu-7+ ..
Ukuyeka imali
Kuba abatyali-mali bexesha elide bahlala bechitha imali nge dollar kwindleko yesisombululo , ukungabi nantoni kubaluleke kakhulu. Igalelo eliqhelekileyo limele lihlawulwe kunye nemali ehlawulwayo, ebudeni beeminyaka emininzi, ukwenzela ukuba ibe yinto engaphantsi kwegama elibhaliweyo kwimbali yobomi bakho bezezimali. Uninzi lwabantu alukwazi ukwenza, nangona kunjalo. UWarren Buffett noCharlie Munger baxelele ukuba kungakhathaliseki ukuba bangaphi amaxesha abantu bathi baya kubambelela kwisicwangciso, amava aye abonakalise ngokuphindaphindiweyo, kwiminyaka elishumi emva kweminyaka, abantu abathile babeya kubamba ngexesha lokuxhoma kunye nokuthengisa ngexesha leebhasi, abakwazi ukunyanzela iimpembelelo zabo ezimbi .