Isifundo ukususela ngoSeptemba 11 malunga noLawulo lweengozi
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Ngoku ngoku malunga neminyaka engama-16 kamva, isifundo asihlali siphelile. Ngokufanayo, abatyali-mali kufuneka bakhumbule isifundo esisodwa esibalulekileyo: ubuncinane inxalenye ethile yempahla yakho yokugcina kufuneka igcinwe kwixabiso lempahla. Inxalenye yelwelo inomsebenzi oyintloko kunye nomsebenzi wokuba ube khona xa ufikelela kuyo. Ukufumana ukubuya kukuphela kwento yesibini, engabalulekanga. Nangona kunjalo, ndiza kuqala. Masiqale ekuqaleni kwaye sigxininise ekuchazeni iimpahla ezikhoyo kunye nokuzithelela kwiingcamango zendlela abangayidlala ngayo kumfanekiso-mkhulu-mveliso womtyalo-mali.
Ziziphi iiMpahla eziTywala kwaye Ndingakugcina Njani?
Ixesha elibhengezwayo libhekiselele kwinto yokukhawuleza into enokuthi iguqulelwe ibe yibanda, i-cash hard; uhlobo onamathele kwi-wallet yakho okanye utshintshiselwano lwemali kwenye into. Iimpahla ezikhohlakeleyo yilezo zicingelwa ukuba ziphendulwe zibe yimali okanye amandla okuthenga ngokukhawuleza.
Kwiphepha elinye lomlinganiselo wezinto zonke zexabiso ziyi-dollar bills kunye neengqekembe ozifakile kwijeyile yecookie okanye umatikazi ekhaya.
Ezi zixhobo ezininzi zexabiso, oku kuthetha ukuba unokuzichitha ngokukhawuleza, kodwa zincinci zincinci ngenxa yokuba zingatshatyalaliswa ngumlilo, zilahlekile okanye zibiwe.
Kwesinye isiphelo saloo nto ixabiso njenge- real estate , ezinokuthatha inyanga okanye neminyaka ukuguqula imali. Xa kuziwa ekugcineni impahla yakho yamanzi, nantsi iindawo ezimbalwa eziqhelekileyo abantu abakhetha ukugcina imali yabo:
- Indlu yabo (ngokuqinisekileyo ifihliwe kwaye ikhuselekile)
- I-akhawunti yokugcina okanye yokujonga kwi-bhanki yendawo okanye kwimanyano yekhredithi
- I-akhawunti yemarike yemali
- Izatifikethi ezifutshane zexesha lokufaka idiphozi
- I-United States iindleko zeeNondyebo zexesha elifutshane kakhulu
Kwiimeko ezininzi, ukubeka imali yakho kwibhanki kuthathwa njengekhuselekile kakhulu. Isizathu? Iibhanki zaseMelika azizange zitywinjwe ukususela ngo-1933 xa uRoosevelt ebhengeze "iholidi yebhanki" eyayihlala iintsuku ezintathu, kwaye kubonakala ngathi akunakwenzeka ukuba isiganeko esinjalo sasiza kwenzeka kwakhona kwixesha elizayo. Imali yemarike yemali ingabangela iingxaki kuba kwimeko apho eyakho ilawulwa yinkampani yokuxhaswa ngemali , unokulahlekelwa ukufikelela kwimali yakho ukuba iimalike zezemali zivaliwe, ngokuchanekileyo kwenzeka ntoni kubatyalimi abaninzi ngoSeptemba 11.
Ngenjongo yokukhawuleza, akufanele uhlolisise ama- stocks , izibophelelo, iimali ezihlangeneyo , i-annuities, okanye i-inshorensi njengempahla yamanzi. Ukongeza kwizinto eziqhelekileyo zokunyuka kweemarike , oku kutyalo-mali kungabikho mthethweni xa ukutshintshiselwa kuvaliwe, nto leyo ithetha inhlanhla ukubeka izandla phezu kwazo.
Isizathu sokuba Ufanele ugcine ii-asethi ezikhoyo kwi-Hand
Nangona ungenayo nayiphi na imali-mali, usadinga imali yokugcina imali. Emva kokuba iManhattan ivalwe emva kokuhlaselwa kwamaphekula, amashishini amaninzi ayengakwazi ukusebenza.
Kwezinye iimeko, abasebenzi abazange bahlawulwe iiveki ezimbalwa, bebashiya bengenawo umthombo wembuyekezo.
I-United States yafika kufuphi neengxaki zobuncwane ngo-2008 kunye no-2009 phakathi kweRest Recession. Abanye abatyali-mali abaqeqeshiweyo bavakalisa ukubiza abo baqabane kwaye bawacebise ukuba baye kwi-ATM baze baphume imali eninzi njengoko bangayifumana xa ibhanki ingavulwa iiveki okanye iinyanga.
Kuthekani ukuba kukho intlekele okanye isiganeko esingaqhelekanga kwindawo yakho kwaye ngokukhawuleza awukwazi ukubika emsebenzini? Ukuthatha imeko ngokuthe ngenye indlela, kuthini ukuba isiganeko esinjalo sabangela ukuba inkampani yakho iqhube kwiimali ezinzima kwaye ivalwe iingcango zayo okanye baqala ukulahla abaninzi abasebenzi?
Ungasinda njani? Ukuba ufumene ukubaluleka kokuthengiswa kwempahla, uya kuba nako ukuhlala uhamba ubuncinane ubuncinane beenyanga usebenzisa i-cash reserves.
Ungathengisa ukutya, uxoxisana nabamelwane, okanye uhamba ngeempahla usebenzisa ukuthengwa kwezinto eziphuthumayo. Imiba yobutyala. Ubutyebi bubalulekile. Kukhuseleko lwakho wena kunye nosapho lwakho.
Yiyiphi iSigqeba soTywala kufuneka ukuba uMtyalomali acinge ngokugcina?
Iqondo leempahla eziphathekayo kufuneka uhlale lixhomekeka kakhulu kuxhomekeke kwiindleko zenyanga eziqikelelweyo kunye nezinye izinto ozimele uxoxe ngazo kunye nomcebisi wakho wezezimali okanye umcebisi-mali. Kuzo zonke iimeko, kufuneka ukwazi ukuzixhasa wena kunye nosapho ubuncinane inyanga okanye ezimbini; abaninzi abacwangcisi bemali bayavuma ukuba iinyanga ezintandathu zilungile.
Kubalulekile ukukhumbuza ukuba iimeko eziphucukileyo zelizwe akunakwenzeka ukuba zenzeke kuneziganeko eziphuthumayo ezifana nokulungiswa kwemoto, ukuchithwa kwempahla, i-washer kunye nabomileyo abawahlukeneyo, ukuya kwindlu yexakeka, ukulungiswa kwendlu, njl. Ukuba nekheshi ngesandla kunokukuvumela ukuba uhlale Inkambo ngeyona nto ixhalabileyo.
Ukuba unomdla kulo kwesi sihloko, unokufuna ukufunda Ukufumana Ingakanani Imali Ngaba Ndimele Ndihlale Kwi-Portfolio? ukufumana ingcamango jikelele yokuba imali ingadlala njani indima ephambili ekunikezisweni kweefa.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela, 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.