Abanamhlala-phantsi bathabathekile banomvuzo ocebile ngaphezu kwe-1. Yintoni oyiyo?
Kwiminyaka emininzi ndizibuza ngokuchanekileyo oko kwenza ukuba abahlala phantsi bathabatheke okanye bangonwabi. Xa ndiqhuba isifundo sam ukuba ndifumane iimpendulo zangempela, kukho iziphumo ezininzi ezingazange kumangalise. Kodwa, kwakukho ezimbalwa ukuba ndifumene unomdla ngakumbi. Ngokomzekelo, iziphumo zam zenzululwazi zifumene ukuba i-BMWs yinqwelo ephezulu yokuxhamla kwiigalaji zokuhlala phantsi kweMerika. Kodwa i-BMW yayingeyena yedwa imoto eyayinemiphumo embi.
Ezinye iimoto eziluhlu ziquka uCrysler, iDodge, Kia, kunye neMercury. Ngakolunye uhlangothi, kubonakala ngathi abo bahlala phantsi abaqhuba iLexus, i-Nissan, i-Hyundai, i-Subaru no-Buick bayonwabile. Nangona oku akuthethi ukuba yonke i-retrait eqhuba i-BMW ayiyivuyo okanye ukuba yonke i-retrait eqhuba iLexus iyonwabile, idatha yenza ukuba sicinge ngolu hlobo luni imoto yethu igaraji ngoku.
Ngaba uyazi ukuba abahlala phantsi abazama isandla sabo njengomthengisi-mthengiso njengoko umsebenzi wabo wesibini ngokungahlali ujabule? Ukudlala imarike kungekhona yintliziyo ebuthakathaka kwaye idibanisa uxinzelelo olungapheliyo kubomi bebathathe umhlala-phantsi. Nangona ubukela i-CNBC imihla ngemihla kwaye ucinga ukuba uyazi ukuba kwenzekani, khumbula ukuba kukulungele ukushiya isitokethi kwiingcali zangempela. Abahlali abaphumliyo nabahlala phantsi baye bacinga ukuba injongo yodwa yokufumana imali kumhlalaphantsi kukuba nemali emhlalaphantsi. Oku kukuphikisana nendlela abahlala bejonge ngayo umhlala-phantsi, abayaziyo ukuba yindlela nje yokuphila ubomi obonwabileyo, kungekhona umgomo wokuphela.
Imali yakho kufuneka ibe nenjongo!
Kuzo zonke iimpawu zokungcebeleka ezikhethileyo ndizithandayo ukuthetha ngazo, enye endiyakholelwayo ithatha ubunzima obunzima kwaye kulula ukuyiqonda iRatisti eTyebileyo .
Uluhlu Lubuncwane?
Isisityebi esiTyebileyo sisilinganiselo esiyidalwe ngabantu ngabanye kunye neentsapho ukuba banike indlela elula yokuqonda imali yabo.
Ukubeka nje, iRitored Rich is the amount of money you have in relation to the amount of money you need.
Umzekelo, ukuba unako ukwenza i-$ 10,000 ngenyanga kwaye udinga kuphela i-$ 5,000, ucebile! Ngaloo njongo, ukuba unako ukuvelisa i-$ 1 billion ngeenyanga, kodwa udinga i-$ 2 billion, awubutyebi. Abahlali abahlala bevuya bayabazukisa ubungakanani bobutyebi. Nawuphi na umlinganiselo ngaphezu kwe-1 uyamangalisa. Nawuphi na umlinganiselo ongaphantsi obonisa ukuba mhlawumbi unomsebenzi wokukwenza.
Nantsi indlela yokufumanisa i-Ratio yakho eTyebileyo: Thatha ingeniso yenyanga oya kuza kuyo (inhlalakahle yentlalo + ipensheni + nayiphi na enye imifudlana yemali engenayo), kuquka neyiphi iqanda lakho lembande liza kuvelisa, kwaye lihlukane noko ukulindele ukuchitha inyanga nganye ukuze uhlale umhlalaphantsi ofuna:
Unayo / Ufuna = Ulungelelwaniso oluTyebileyo
Makhe sibone imizekelo emibini kwaye sibone indlela umntu onomvuzo omncinci angasindiswa ngayo unako ukuhlawula okuNgcinileyo kwaye mhlawumbi uhlala evuya ngakumbi.
Umzekelo # 1:
UKaren unomdla wokuhamba. Uyakuthanda ukuhamba kakhulu kangangokuthi uya kufuna i-R10 000 ngenyanga ukwenzela ukuxhasa le ndlela yokuphila emhlala phantsi. UKaren unempesheni encinci kwimini yakhe kwintengiso yeentengiso (1,000 / inyanga) kunye nentlalo yoluntu kwiminyaka engama-62 eyi-1,800 / ngenyanga. Ugcine i-$ 1,000,000 kwi-401 (k) yayo.
U-Karen unayo = $ 1,000 (umhlalaphantsi) + $ 1,800 (ukhuseleko loluntu) + $ 4,100 [ama-5% akhe 401 (k) rhoqo ngenyanga] = $ 6,900
Ufunwa nguKaren: $ 10,000
Ukwahlula kukaRaren kaKaren = $ 6,900 / $ 10,000 = .69
Xa sicinga ngo-Ratio wayo oTyebileyo ungaphantsi kwe-1, andiyi kucinga ukuba uKaren "uyityebi" nonke.
Umzekelo # 2
Ngoku makhe sijonge uTom. Ufuna i-$ 3,500 kuphela ukuze aphile ubomi obulungileyo, inxalenye yokuba indlu yakhe ihlawulwa. UTom unomhlalaphantsi omncinci (i-$ 1,200 / ngenyanga). Uya kufumana ukhuseleko lwezentlalo nge $ 1,800 kwaye unama-400,000 kwi-401 yakhe (k).
I-Tom's Have = $ 1,200 (ipensheni) + $ 1,800 (ukhuseleko loluntu) + $ 1,650 [ama-5% akhe 401 (k) rhoqo ngenyanga] = $ 4,650
I-Tom Need = $ 3,500
Isisombululo sikaTom = U-$ 4,650 / $ 3,500 = 1.32
Ngethuba uTom 'Unobuncwane obungaphantsi kukaKaren, kunjalo neNtswelo yakhe. UTom, kunye nemali engaphantsi kakhulu egcinwe nguKaren, unesilinganiselo esincinci ngakumbi kwi-1.32, xa kuthelekiswa no-Karen .69.
Ngoko nangona uTom enetyala elincinci (kunye nangaphantsi kokulondoloza umhlalaphantsi), ngokwenene ucebile kunokuba uKaren. Ngokusekelwe kula manani, uTom unolwazi kwixesha lakhe elizayo, kwaye ngelanga uNaha Karen akayi.
Ukuba ungekho kakade, thatha ixesha lokuba ufumanise i-Rich Ratio! Unako ukwenza njalo i-tweaks kunye nohlengahlengiso ukuze uqiniseke ukuba u-Ratio wakho oTyebileyo ungaphezulu kwe-1 ukuze uzibeke ube ngumhlali ovuyayo.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.