Umgangatho weNkampani unokuba nefuthe elikhulu kwiiNkcazo zakho zoTyalo-mali
Njengomtyalo-mali omtsha, unokuba ulapha apha kwaye uzibuze, "Ewe, uYoshuwa, kodwa yintoni eyenza inkampani ibe yoshishini elihle kakhulu? Ndingayichazela njani xa ndibona enye? "
Nangona le ngongoma - indlela yokufumana amashishini afanelekileyo ekutyalomali-yinto ethe xaxa ngakumbi kunokuba inqaku elinye liyakwazi ukulifihla (kuya kuthatha iminyaka ukuchaza ngokucacileyo, kubandakanywa nokusebenza kwenkcazo yemali engenayo kunye nephepha lokulinganisela ), ukuze kukukunceda uqonde iimpawu zoshishini elihle, ndidibanise ezinye izixhobo eziza kukunika ingcamango yento ofuna ukuyijonga ngayo kwishishini langasese okanye xa ufumana izabelo zesitokisi . Ndiye ndazama ukubandakanya izizathu ezi zinto zibalulekile. Ukuxhotyiswa ngale ngcaciso, ngokuhamba kwexesha, ndiyakholelwa ukuba unethuba lokuphumelela ngokwakho kwinzame yakho yokwakha iphothifoliyo yezinto ezivelisa ubutyebi ezinganikela ngokuzimela kwezimali kunye nentsapho yakho.
Ufuna Ukutshala Kwezoshishino Ezigqwesileyo Ezifumana Ukubuyiselwa Kwezinga eliphezulu kwiNqununu kunye neNcinane okanye ayikho matyala
Kubonakala kungenakungabaza, kuxhomekeke ebubungqina, ukuba kulula ukwenza isambulelo esikhulu ngokuthengisa imali-oko kukuthi, ukuthengwa kweemali ezikhuselekileyo kunye nezinye izinto ezibonakala ngathi zithengisa kwisaphulelo esikhulu kwiingcamango ezinengqiqo. lwexabiso langaphakathi (okanye ixabiso "langempela" le shishini).
Cinga nje ngolu hlobo ukuba uyazi ukuba uhlamba imoto yasendaweni wayifake igolide phantsi kwayo. Umnini-mali unokuthi acele i-$ 800,000 kwilizwe kunye nezoshishino, kodwa uyazi kakuhle ukuba unakho ukuhlawula ngokubanzi, kungekhona nje ukuba ube ne-shishini, kodwa uthengisa negolide oyigumbile emakethe evulekileyo. Ngaloo ndlela, unesizathu sokukholelwa ukuba sasithengiswa ngexabiso elingaphantsi kwexabiso langaphakathi.
Esona siphumelelo esikhulu sale ndlela kukuba ixabiso elifumanekayo kwixabiso elincinci kufuneka lidayiswe xa lifikelela kwixabiso langaphakathi ngaphandle kokuba liyimveliso ebalulekileyo. Njengoko uCharlie Munger echazile, ngaphezu kwexesha elide, ixesha lokubuyisela umtyalo-mali lingaba lifutshane kakhulu nokubuyiswa kwexabiso elipheleleyo eliveliswe yinkampani, ehlengahlengiswa ukuhlaziywa kwizabelo ezikhoyo . Ngaloo ndlela, unokwenza ngcono ukuhlawula ixabiso elifanelekileyo kwishishini elinokubuyisela imali eyinkunzi kwixabiso eliphezulu lokubuyela - ithi, ngaphezu kwe-15% ukuya kwi-20% ngonyaka-kunokuthenga intengiso ye-mediocre kwixabiso elincinci kwincwadi yalo .
Ukufumana ulwazi oluthe vetshe, funda yam icandelo le- Business-Like Like Investing: Ukucinga Njengomnini . Kuyo, uya kufumana ulwazi malunga nokubuyiselwa kwemicimbi eninzi. Uninzi lwabantu lufumene iitokhwe zokuthenga ezizityebi ezinokubuyiselwa kwemali ephezulu ngokulinganayo .
Ufuna ukutshala imali kwiiShishini eziPhezulu eziPhezulu
Ukuba unemali engenamkhawulo, ngaba ukholelwa ngokwenene ukuba kunye nokukhethwa kweyona nto ingcono kunayo nayiphi na imenenja ehlabathini, ungayibonakalisa iKoca-Cola njengenkokeli engabonakaliyo kwiinkampani eziphuza iziphuzo? Kuthiwani ngoJohnson & Johnson kunye namaninzi alo mvume, iimpawu zorhwebo, kunye neemveliso zegama lomenzi? Isizathu sokuba ezi shishini zikwazi ukuphumelela kakuhle kukuba zineenzuzo eziqhubekayo zokuncintisana - izinto abakhuphisana ngazo abakwazi ukuvelisa.
Ngamanye amaxesha ezi nzuzo zilula ukuzibona, njengokuba kunjalo neCoca-Cola, eyona yegama eliqhelekileyo eliqhelekileyo kwiLizwe "lilungile". Nangona kunjalo, kunokwenzeka ukuba ezi zinzuzo zokuhlala zikhuphisana, zingabonakali kwaye ziphuma kum. Esinye seemfihlelo kwimpumelelo eyenziwa nguWal-Mart kukuba uSam Walton wakha inkqubo yokuhambisa ngeempahla ezivumela ukuba anciphise iindleko zokuthutha zokuthungisa iimpahla kwiivenkile zakhe.
Lezi zindleko zokuthutha ezantsi zibangele inzuzo engaphezulu kwinto nganye kunokuba abakhuphisana nabo bangayifumana, nokuba ngaba abo bathathwe bathengisa ngexabiso eliphezulu. Yena kunye nabalingani bakhe bazuze kwiholo elingeniso xa abathengi bephumelele kumaxabiso aphantsi. Le mikhosi isebenza ngokubambisana, ukuqinisa nokukhawulezisa iziphumo kangangokuba i-five-and-dime encinci yanda ibe ngumthengisi omkhulu kunawo wonke owake wabona kodwa kodwa amanqaku kunye namanqaku okukhuphisana ngaphandle kweshishini. Ekugqibeleni, nabani na owayefuna ukuhlala kwishishini kwizinga elikhulu ukukhuphisana neWal-Mart kwakufuneka abe ne-chain supply chain.
Xa uthengela kwinkampani ngokuthenga isitoksi sayo esifanelekileyo , zama ukufumanisa iinzuzo ezikhuselekileyo ezinokuthi zime ukuhlaselwa ekuhlaselweni kwabathengiselwano kunye nemikhosi yemakethe njengokugqithisa kunye nokwanda kwehlabathi jikelele.
Ufuna ukuTyala kwiiShishini eziPhezulu eziPhezulu
Xa ama shishini aphumelele kakhulu kwaye abenzi bawo banotyebi kwisityalo esinye, esinye sezimbombo eziphambili, ngokuqhelekileyo kuninzi, kuhlahloka. Ndithandabuza ngokungahambi kakuhle. Ndiyayithanda. Thatha i-American Eagle Outfitters, enolunye lweengxelo ezigqithisileyo zokutsalwa kwexesha elide kwiminyaka embalwa edlulileyo. Kutheni kuphumelele? I thagethi? Wal-Mart? McDonald's? Coca Cola? Pepsi? IMicrosoft? Zonke ezi shishini zihle kakhulu ngenxa yokuba zineemveliso okanye iinkonzo ezinokuthi zichazwe kwifowuni-cutter fashion ngokukhawuleza. Bakuba sele befumana ifom ye-baseline, bayakukhutshwa baze batyeke kwilizwe kwaye, kwiimeko ezininzi, ihlabathi.
Ycinge. UMcdonald's e Hong Kong unjengeMcDonald's e Chicago. NeNew York. KwaseMzantsi California. Ngokufumana imenyu, ukulungiswa, ukulungiswa, kunye neetheknoloji ezifakwe ngendlela yokutya ngokuvulwa ngokukhawuleza, kwenza kube lula ukuba ukhenketho lwe-steamroll kwi-United States kunye nehlabathi. Ukudibanisa nembuyekezo yayo ephakamileyo ngokulinganayo kunye nemali ehlinzekwa ngama-franchisees, atyunjwe ibhilikhwe yokwakha inxalenye enkulu ebhizinisini jikelele, akunzima ukubona ukuba kungani abanini-zimvo babecinga uRay Kroc njengeqhawe.
Akukho Ndaba Elikhulu Loshishino, Xa Utyhala Inkampani, Ungalokothi Ulibale Ixabiso Lezi zinto
Kwixabiso liyingqungquthela: Ukutshala imali kwiiShishini eziPheleleyo Akunelisekile , ndacacise ukuba kufuneka uhlawule ingqalelo kwindlela ohlawula ngayo ubunini bakho. Khawucinge ukuba uthengisa ibhishini elifanelekileyo kwihlabathi kwaye ufumana i-100,000 eyi-100 kweli gunya lokuthenga ngokunyuka kwamandla emali ngonyaka. Kungakhathaliseki ukuba uqoqosho, kungakhathaliseki ukuba yintoni imeko yezopolitiko, ivelisa loo $ 100,000 ngenzuzo yangempela kuwe ngonyaka emva kweminyaka elishumi. Ukuba uhlawula i-$ 1,000,000 kuloo shishini, ukubuyela kwakho kuya kuba kabini oko kuya kuba ngaba uhlawule i-$ 2,000,000. Ukuba uhlawule i-$ 10,000,000, uza kubuya ubuhlungu obungaphantsi. Yinto elula. Ngomzuzu ubhala isheke, ukufa kuya kuphoswa. Yonke into ukususela kwinqanaba eliya phambili lixhomekeke kwixabiso lexabiso elikhoyo lexabiso lemali oyifumanayo kwi-asethi yakho kunye nexabiso elihlawulelwe ukufumana loo mali. Ukuba akukho nto ifundayo kwimibhalo yam phezu kweminyaka, makube njalo.
Ekugqibeleni, njengengqalelo yokwahlula, ndingathanda ukubonisa enye into enomdla. Nangona kungenakuqinisekisa ukuba yimpumelelo, kwaye kusenokwenzeka ukuba ulahlekelwe yimali, uphando lwemfundo luye lwabonisa ukuba amashishini ambalwa akhankanywe ngamandulo akhiqize inani elingafaniyo lobutyebi-mali bobutyebi-mali. Ndabhala ngezinye zezinto ezifunyenweyo kwinqaku elibizwa ngokuba, ngokufanelekileyo ngokwaneleyo, Iimpahla eziMnandi kakhulu zifumaneka kwiZiko leMashishini . Kancinane, kubalulekile ukujonga.
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.