Ukuqonda indlela amaShishini angenazo izahlulo ezinokuthi zibe nexabiso
Lo ngumbuzo omuhle kwaye kubalulekile ukuba uqonde impendulo.
Izahlulelo ziyimvelaphi enkulu yokubuyisela kubanikazi abanini-mali, ngokukodwa xa kudibene ne- dollar indleko yokulinganisela .
Kodwa inkampani ayifuni ukuhlawula iindleko ezifanele ukutyala imali. Ukukunceda ukuchaza i-stock dividend ehlawula iifowuni kunye nendlela enokuzuza ngayo iphothifoliyo yakho, ndadala ibali elilandelayo ukwenza kube lula ukuqonda le ngxaki. Ngamafutshane, oku kubalisela ibali lokuthi kutheni ukutshala imali inzuzo kunokuba ukuhambisa igalelo kusebenze kakuhle kubanini-nxaxheba.
I-American Apple Orchards, Inc.
Cinga ukuba uyihlo nomalume bakho banquma ukuba bafuna ukuqala ishishini lokulima. Bonke bafaka i $ 150,000 yokugcinwa kwabo kwinkampani yabo entsha, "i-American Apple Orchards, Inc." Bahlula inkampani kwiinqununu eziyi-100,000 ("izabelo") kwi-3 yesabelo ngasinye, ngamnye umntu efumana isiqingatha sesitishi somnikelo wakhe.
Inkampani entsha isebenzisa i-$ 300,000 edibeneyo ukukhusela i-$ 700,000 yemboleko yemashishini. Oku kubanika i-$ 1,000,000 ngemali kunye ne-$ 700,000 kwi-matyala ngexabiso elingu-300,000 lemali (elibandakanya igalelo labo langaphambili kwinkampani).
Inkampani ithenga iihektare ezingama-300 zeefama ezilungileyo kwii-2 500 zama-acre (i-$ 750,000 iyonke) kwaye isebenzisa ii-250,000 zamaRandi ezixhobo zokusebenza, i- capital work , kunye neendleko zokuqala.
Unyaka wokuqala, ifama ivelisa i-$ 43,000 kwintlawulo engaphambili yokuhlawula irhafu. Emva kwentela, oku kufikelela kuma-30,000.
Ekupheleni konyaka, uyihlo kunye nomalume bahleli etafileni yekhitshini, bebanjelwe intlanganiso yeBhodi yabaLawuli kwi-American Apple Orchards, Inc.
Baya kubona ukuba ingxelo yonyaka umgcini-akhawunti ulungiselele i-$ 300,000 kwi- equity equityer equity ekuqaleni, nge-$ 30,000 inzuzo enenzuzo , kwi-330,000 ye-equity equityholder equity.
Ngamanye amagama, kuwo wonke umzamo wabo, bafumana imali engama-30,000 kwi-$ 300,000. (Qaphela: Endaweni yemali, nangona kunjalo, ii-asethi zibandakanya iifama, imipula, iitroleta, iindawo ezimileyo, njl.) Yiyo ukubuya kwe-10% kwixabiso leencwadi. Ukuba ixabiso lentengo li-4% ngeli xesha, oku kubuyiselwa kakuhle. Inkokheli yakho ayifumanekanga kuphela ukubuyisela okuhle ekutsalweni kwayo, kodwa uyihlo nomalume bahlala baphila iphupha labo ngeefama zokulima.
Ukuba ngabadala kunye nezilumko kwiindlela zehlabathi, uyihlo nomalume bayaqaphela ukuba umgcini-akhawunti ushiye into ethile kwingxelo yonyaka. Yintoni? Ukuxabisa impahla.
Ukuba ukunyuka kwamaxabiso kuhamba ngo-3%, iifama mhlawumbi ihamba ijubane, oku kuthetha ukuba ukuxabisa kwakuyi-$ 22,500. Ngamanye amazwi, ukuba bathengisa iifama zabo ekupheleni konyaka, bafumana i-772,500 zama-dollar, kungekhona i-$ 750,000 ehlawulwayo, ukuvelisa inzuzo kwi-estate ye-$ 22,500.
Oku kuthetha ukuba i-300,000 eyi-$ 300,000 eyabangela ukuba iqale kwi-nkampani iye yanda ukuya kuma-330,000 ayi-$ 30,000 kwiingeniso eziyifumana emva kwentlawulo kwi-aple yabo yokuthengisa.
Sekunjalo, banamaRandi angama-22,500 amaxabiso ngenxa yexabiso eliphakamileyo lomhlaba wabo. Oko kuthetha ukuba ukubuyela kwabo okwenyani konyaka bekuyi-$ 52,500, okanye i-17.5%. (Ukulungelelanisa, kufuneka uphinde uhlawule irhafu echaziweyo kwimali eya kuhlawulwa ukuba babeza kuyithengisa umhlaba, kodwa ndiya kuyigcina ilula.)
Ikhethelo abajongene nayo: Ukuhlawula iMida okanye ukubuyisela kwiNkampani?
Ngoku, uyihlo nomalume banokukhetha. Banoshishino elinama-$ 330,000 kwixabiso leencwadi kodwa ukuba bayazi ukuba lixabisa i-$ 352,500 (i-300,000 $ eyinkunzi eyinkunzi + eyi-30,000 yenzuzo engenayo + eyi-$ 22,500 yokubonga emhlabeni). Ngoko-ke, umgcini-akhawunti uthi izabelo zabo zixabisa i-$ 3.30 nganye (i-330,000 zama-dollar ahlukaniswe ngamaqhekeza angama-100,000), kodwa bayazi ukuba isitoksi sabo sithengele i-$ 3.52 ngesabelo ngasinye (i-$ 352,000 idibene ezili-100,000).
Bakhetha. Ingaba bahlawula imali engama-30,000 ngemali abayifumana njenge-$ 0.30 yesabelo semali (i-$ 30,000 yengeniso epheleleyo ehlukaniswe ngamawaka angama-100,000 = $ 0.30 ngesahlulo sesabelo ngasinye)?
Okanye ngaba bajika baza bathululele i-30,000 yeeRandi kwi-shishini ukuze bandise? Ukuba isityalo sinokufumana i-10% kwinkunzi kwakhona ngonyaka olandelayo, inzuzo kufuneka ikhule ibe ngama-33,000. Xa kuthelekiswa ne-4% ibhanki yendawo ihlawula, ngaba abayi kuba ngcono xa bengayikhokheli loo mali njengesahlulo semali kwaye endaweni yoko iya kubuyela kwi-10%?
Ukuqulunqa eso sigqibo seNkcazo seMinyaka eyi-20
Cinga ukuba le ngxoxo iyenzeka minyaka yonke kwiminyaka engama-20 ezayo. Unyaka wonke, uyihlo nomalume bakhe bathetha ukubuyisela inzuzo endaweni yokuhlawula imali, kwaye ngonyaka ngamnye bafumana i-10% kwinkunzi. I- real estate nayo iyaxabisa i-3% ngonyaka. Ixesha elizeleyo, abazange bakhuphe, bathenge okanye bathengise isabelo sesebenzi yabo.
Kwi-20 yeminyaka yeminyaka, inzuzo engenayo iya kuba yi-$ 201,800. Inani leNcwadi, elimele iingeniso ezibuyiselwe kwinkampani yokwandisa, ziyakhula ukusuka kuma-300,000 ukuya kwii-2,000,000 zamaRandi. Ngaphezulu kwelo $ 2,000,000, nangona kunjalo, i-real estate. Umhlaba wawuza kuxabisa i-$ 605,000 ukusuka ngomhla wokuqala wokusebenza, kungekho enye ipenki ewake yaboniswa kuyo nayiphi na ingxelo kwingxelo yemali . Ngaloo ndlela, inani lexabiso leenkampani li-$ 2,000,000 kodwa ubunani bexabiso boshishino ubuncinane i-$ 2,605,000.
Ukususela kwixabiso lexabiso leencwadi, izabelo zifanele u-R20 20 ngamnye (i-$ 2,000,000 yenani leencwadi lihlukaniswe ngamawaka angama-100,000). Ukuvela kwixabiso "lokwenene", ukuhlaziywa kwixabiso lelizwe, izabelo zibiza u-26.05 ngamnye (i-$ 2,605,000 ehlulwe ngamawaka angama-100,000).
Ukuba inkampani kwakufuneka ihlawule i-100% yeenzuzo zayo ngezabelo zemali, izabelo zemali ziza kuba zihlazo ze $ 2.02 ngesabelo ngasinye (i-$ 201,800 eyinzuzo yonyaka olwabiwe ngamawaka angama-100,000 = i-2.02 yeesabelo ngasinye ngezabelo zemali).
Ngokwenyani, oko kuthetha ukuba i-$ 300,000 uyihlo kunye nomalume otyalwe kwi-American Apple Orchards, Inc. xa kusekwe iminyaka engama-20 edlulileyo ikhule ibe yi-$ 2,605,000. Ukongeza, inkampani ivelisa i-$ 201,800 ngemali engenayo ngonyaka. Ukulinganisela okulinganayo, okulinganayo kweso sithuba xa ukuxabisa kwixabiso lexabiso lexabiso eliyimpahla liyi $ 26.05 ngesabelo ngasinye.
Kubeka ndawonye
Awufuni nto ngaphandle kokuya kwishishini kunye noyihlo. Unquma ukuza kumalume wakho kwaye unikezele ukuthenga amasheya akhe ama-50,000, emele 50% kweshishini.
Kwiminyaka engama-20 ukususela ekubeni inkampani ikhona, akukho penny enye ihlawulwe kubanikazi bempahla njengengeniso yemali. Ngaba unokuthetha ngokugqithiseleyo nomalume wakho kwaye unikezele ukuthenga izabelo zakhe kwintengo yokuqala yentengo ye-$ 3 xa yena noyihlo beyisekele inkampani? Okanye ngaba uya kunika ukuthenga izabelo zakhe kwixabiso langoku le-$ 26.05?
Ngamanye amagama, ukuba uhlawule i $ 1,302,500 kwi-50% yefama e-$ 2,605,000, ngaba ucinga ukuba uya kucinga ukuba uyingxenye yesikimu se-Ponzi ngenxa yokuba imali yayibuyiselwe kwiminyaka? Akunjalongo noko. Imali yakho imele iimpahla zangempela kunye namandla okufumana kwaye uyazi ukuba ukuba ufuna, ungavota ukuyeka ukukhula kwaye uqale ukusasaza inzuzo njengezabelo kwixesha elizayo. Nangona ungabonanga loo mali okwangoku, imele ingqinisiso, kwaye inokubonakalayo, inzuzo ngokufanelekileyo kwintsapho yakho.
Kwi-Wall Street, kuyafana neenkampani ezinkulu. Thatha iBerkshire Hathaway, umzekelo. Isitokethi isuke kwi-$ 8 ukuya kwii-317,000 ngeesabelo kwiminyaka engama-40+ edluleyo ngenxa yokuba uWarren Buffett uye wabuya wahlawulela inzuzo kwezinye iimali-mali . Xa wayithatha, inkampani yayingenanto ngaphandle kweemveliso zetekisi ezingenamsebenzi. Namhlanje, iBerkshire inamashishini amakhulu aquka ama-American Express, i-Coca-Cola, i-Procter & Gamble, kunye nezinye ezininzi.
Ngaba iBerkshire ixabisa i-$ 102,000 + ngesabelo ngasinye? Ngokuqinisekileyo. Nangona ingabhawuli loo mivuzo ngoku, inamakhulu amabhiliyoni eedola kwiimpahla ezingathengiswa kwaye zenze iiligidi ezigidi zeedola kwinzuzo ngonyaka. Okubalulekayo, nokuba ngaba abanini-zimali abanakufumana inzuzo ngendlela yemali ngenxa yokuba iBhodi yabaLawuli iyakwazi ukuguqula ngokoqobo i-spigot kwaye iqale ukuhlawula igalelo elikhulu kakhulu kusasa.
Kwiintlanga eziphuhlisiwe, ngeemarike ezomeleleyo zemali, imarike yemasheya iya kuqonda le ntlawulo ngexabiso ngokuvuza inkampani enexabiso eliphezulu. Kakade ke, oku kusemthethweni kwaye kuthatha iminyaka. Kodwa ukuba uthenge i-Berkshire emva kwee-8,000 zamaxabiso, i-shares zakho eziyi-1000 ngoku zibiza i-dollar 317,000,000 (ngo-Feyiwari 2018.) Ukuba unqwenela, ungathengisa isitokethi esiligidi esiligidi, okanye ubeke izabelo kwi- akhawunti ye-brokerage kwaye uthathe umboleko omncinci omncinci kubo, ukuxhasa iimfuno zakho zokuphila. Ngokwenene, unokwenza "isahlulelo sakho".
Unako ukunikela ngezabelo zakho kwi- trust rest resting that will take your Berkshire, ukuhlawula ngokubuyisela, uthi, i-5% ngonyaka, uze unikele yonke isitokti kwizinto ozithandayo xa usweleka. Le yindlela yokwenza ukwahlula.