Incwadi Entsha Inika Umbono Ngomcebisi / Ulwalamano lwabaxhasi
Iincwadi malunga nokucwangciswa kwezemali ziyahluka ngokubanzi kwiindlela ezibhalwa ngayo. Iingcebiso zihlala zihle kakhulu, iincwadi ezincinci zipapashiweyo zinika iingcebiso ezintle. Kwimi, iincwadi ezifanelekileyo zeengcebiso zezemali zixhomekeke kwindlela. Ingaba inxulumene, inomdla, ichukumisa ingcinga? Ngaba ndiyathanda ilizwi lomlobi kwaye ndifuna ukuqhubeka ndiva ngakumbi kuye? Nangona kunjalo ngezemali, ngaba kufundwa kakuhle?
Kwimeko yeCandelo loLawulo lwePropati elingagqithwanga: Unwrap What You Need to Know and Enjoy the Present by Charlotte B. Beyer, iimpendulo ziyibo, ewe nowee. Incwadi inikezela ngokukhethekileyo ukuba isebenze kunye nomcebisi weengcali okanye umphathi wezobutyebi. Kukho iikopi ezininzi kunye negrafu ukukunceda ufune ukucinga, kunye neengcebiso ezininzi zokugcina ungenzi iimpazamo eziqhelekileyo.
Indlela entsha iqala ngezahluko zezihloko, ezibandakanya izinto ezinjengokuthi "Ukuba awukwazi ukuba uya kuphi, nawuphi na utyalo-mali uza kufike khona," "Ukuba Awazi ukuba ngubani uMsuki okhoyo kwiGumbi leNkomfa Itheyibhile , Kungenzeka Ukuba Wena !, "kunye" Ukungaqiniseki, okanye Indlela Endiyifunde Ngayo Ukuthanda Iingxabano Zomdla. "
Emva koko kukho iingxoxo zangempela-zobomi kunye nemvakalelo yokuba umbhali ubeka encwadini, eqala kwiSahluko 1: "Ngubani ophethe iNgxowa yam?" Uquka incoko evelele iminyaka edlulileyo kwiforamu yokutshala imali inthanethi.
Umntu wokuqala uyabuza ukuba ubani owake weva ngoBernie Madoff. Umntu wesibini uthi bayamthanda, imbuyekezo iyamnandi yaye bayonwabile. Umntu wesithathu ekuthiwa ngethuba le ntlawulo ibukeka kakuhle, inkampani yakhe yayingenasiphelo kwimpumelelo kwaye kwafuneka ithathe idlule. Loo mntu wesithathu wayenguBheyer ngokwakhe, kwaye umnini-zimali wokuqala waqhagamshelana neminyaka yakhe emva kokumbulela ngesilumkiso.
Ibali elihle ukubonisa umxholo ukuba kulungile ukuba kunyanisekileyo, mhlawumbi kunjalo.
Kukho ama-worksheets kunye nokuzilolonga okufakwe kwincwadi ethi abafundi kufuneka bazalise baze bazise umcebisi wezemali. (Abafundi abonwabela i-infographics baya kufumana ukukhawulwa kweminye imifanekiso yeBeyyer.) Umsebenzi omnye uquka ii-Ps ezinhlanu: abantu, ifilosofi, inkqubo, ukusebenza kunye ne " phees ." Umsebenzi wakho ukubhala phantsi ipesente ebaluleke ngamnye. Ingakunika ingqondo ngohlobo lobugcisa othanda ukusebenzisana nalo. Ufumanisa ngokubanzi malunga nawe njengomthengi wengcebiso.
I-Beyer ichaza oko kuthetha ukuthini ukugweba ukusebenza kwentsebenzo. Kubuya, kodwa kufuneka uqwalasele ukunyuka kwamaxabiso, iifizi zomcebisi, i-joint fund okanye imali-mali , kunye njalo. (Njengoko engena kule ncwadi: Ukubuyisa ukunciphisa intengo yokunyuka kwemali engaphantsi kwemali = ngaphantsi kunokuba ungathanda.) Ucebisa ukuba wenze umcebisi wakho ukuba enze le matika phambi kokuba ungene ngemvume njengomthengi. Yimalini yokubikezela ukunyuka kwamaxabiso? Yintoni endikuhlawule yona yona? Kuthiwani malunga notyalo-mali? Ukukwenza nje lo msebenzi kuya kukunceda ukuba ufunde ngakumbi umcebisi wakho kunye nendlela aphethe ngayo iindaba ezilungileyo kunye ezimbi.
Kodwa ukuba oko akwanele, iBeyer inikezela kunye nephepha lokungceli-ndlebe xa usebenzisa i-interview.
Uchaza ngokucacileyo iintlobo zeengxabano zentalo-mali abanokuhlangana kunye noko bathethayo.
(Inye inyama endiyenayo encwadini leyo yayisahlukweni malunga nokungafihli.) Uyasixwayisa ngokungathembeli uluhlu lwababathengi abaphezulu okanye abacebisi ngezezimali ngenxa yokuba awuyazi ukuxabana okufihliweyo kwintengiso ngenxa yeentengiso zemali okanye ukuhlawula ukudlala. Uyavuma ukuba awukwazi ukuthemba umntu wesithathu ngaphandle kokuqhuba olunye uphando. Nangona kunjalo, njengombhali wezentatheli owayesebenze uluhlu olucebisi oluphezulu , ndingatsho ukuba akukho mfazwe ochaphazelekayo obandakanyekayo kwaye sasebenza ukuze sinikeze uluhlu olungcono lwabafundi. ) U
Kodwa le ncwadi ifaka icebiso elincomekileyo malunga nendlela yokugweba ngokufanelekileyo umcebisi wezemali kuwe. Ungazi njani xa izilindelo zakho zingenangqiqo xa ungekho sikweni.
Kukho umnxeba ngokuphathelele oko abatshali-mali abangatshoyo kubacebisi kunye nawaphi abacebisi abazange bathethe kubatsalomali, kwaye iimvakalelo zinentsingiselo. Le ncwadi inokunceda ukuvula imigca yonxibelelwano phakathi kwabacebisi kunye nabaxhasi babo. Yaye ukuba unomdla kumxhamli omtsha / umxhasi, izigqibo ezigqibeleleyo ezintlanu kunye nezicupho ezinamaqhinga ezinhlanu omele uzifunde ngaphambi kokuba usayinwe yinto onokuyilanda kwaye uhambe nawe kwisikhwama sakho. Kukho neengcebiso malunga nendlela yokuphelisa ulwalamano nomcebisi.
Ukuba wena okanye umhlobo ujongana nolwalamano olutsha kunye neengcali zemali-okanye nokuba ufuna nje ukwazi ukuba ufuna ukuthini ukusebenzisana nomcebisi- Ukuphathwa kwePropati kungencwadana efanelekileyo.
Funda enye yokuhlaziywa kwencwadi: Umcebisi wezeMali oPheleleyo uya kukuxelela