Qaphela Ukungafuni Ukunyanzela okanye Ukwesaba Imithetho Yakho Izigqibo Zezezimali
Kwinto eye yaba yintlanganiso yonyaka, umhla emva koMbulelo wokuBonga, obonisa isiqalo esisemthethweni sexesha lokuthenga iKrismesi, iWal-Mart, iTgetget, i-Best Buy, kunye nabanye abathengisi bhengeze izaphulelo ezinkulu kwii-televisions, imidlalo yevidiyo kunye namathoyizi. Ukuvuyiswa yixabiso lezinto eziphambeneyo, kungenjalo abantu abanengqiqo bachitha yonke inkampu ebusuku ebusuku, kwimozulu epholileyo, balinde ukwenza i-dash edibeneyo kwisebe eliyithandayo xa iingcango zivulekile.
Khawucinge nje ngehlabathi apho aba bathengi baphumelela kwidolo xa bekuthengiswa khona impahla. Bakugijimela bememeza kwiimoto zabo, besithi bafuna ukubuyela ekhaya babuyisele ukuthenga kwabo kwangaphambili, ngoku ngexabiso eliphantsi kakhulu, kuba ixabiso labadlali beDVD bawa! Unokuthi ungabonakali into malunga nale "idiots" njengoko ulwela isihlwele ukuba ungene kwisitolo ukuthenga konke onokukwenza, ngelixa amaxabiso aphantsi. Ngokukhawuleza ukuba izinto zizinzile, uyazi ukuba unokuzifaka kwi-eBay ngenzuzo ehle.
Nangona kunjalo, le meko engummangaliso yinto edla phantse rhoqo xa sine-market crash. Ukususela ekubeni ndiqalise ukubhala amanqaku endalomali-mali eminyaka elishumi edlulileyo, siye sahlala ubuncinane ubunzima bezithuthi ezimbini (emva kwe-Septemba 11 ephantsi kunye neengxaki zemboleko ezalandela ukuwa kweLehman Brothers).
Ngamanye amaxesha iimarike zentengiso okanye iimakethe ezibophekileyo zihamba ezantsi, ezingenakuvakalayo ebomini (iziqithi kunye neentlambo ziqhelekileyo kunokuba zihlale zihamba phambili), sele uvile iingxelo zabathengi abaqhelekileyo ukulahla i- 401 (k) ukuthengisa imali yabo eRoth IRA , kunye nokuhambisa yonke imali. Enyanisweni, ngexesha lokugqithisa kakhulu kweemarike phakathi kuka-2008 no-2010, abatyali-mali abaninzi bebepakela ngemali yokupaka kwiimali ze-Nondyebo kunokuba bathathe inzuzo kumaxabiso aphantsi atholakalayo kwiimpahla kunye nezibophelelo zenkampani ukuba kwakukho umzuzu wangoku ngexesha i-Treasurys beyekelela ukubuya okubi - oku kuthetha ukuba uqinisekisiwe ukuba ulahlekelwe yimali - kwaye abatyali-mali babesayithenga ngokukhawuleza njengoko banako, kwakubaluleke kakhulu ukwesaba nokwesaba.
Inyaniso Engenabuhlungu Abatyalomali kufuneka baqikelele
Nantsi inyaniso engelusizi: Ukuba imarike yaseMelika ibingenanto, awuyi kuba nomsebenzi. Ukuba uneminyaka emininzi ukusuka kude nomhlalaphantsi , ngaba ucinga ukuba iMelika ngokubanzi iya kuba nemali engaphantsi kweminyaka engamashumi amathathu okanye emashumi mane ukususela ngoku? Ngokukrakra? Andikholelwa loo nto. I-intanethi kwimoko yayo yangoku ayizange ibe khona kwiminyaka engamashumi amabini edlulileyo kodwa okwangoku ibonisa inxalenye enkulu yoqoqosho lwethu jikelele.
I-teknoloji kunye neendlela ezintsha ziya kuqhubeka nokuguqula ishishini kunye neentlanga.
Oko kuthetha ukuba ukuba uhlakaniphile ngokwaneleyo ukuba uyazi ukuba ungatyala njani kwaye ubeke imali yakho kwingxowa -mali yexabiso eliphantsi elithengisa iinkampani ezinkulu kwisizwe , njengeSpartan 500 ngeFidelity, usebenzise Imali ehambelana nabaqeshi bakho kunoma yiyiphi na i-401 (k) iminikelo, kunye neendleko zedola ka-dollar ukwenzela ukuba uthengela rhoqo ukulinganisa ngaphandle kwexabiso olihlawula ngayo izabelo zakho, imbali ibonise ukuba unokwenza ngokulandeleleneyo ukuba wenze kakuhle eminyaka. Umntu oneminyaka engamashumi amabini ubudala owayenenkathalo eyaneleyo yokutshala imali ekuphakameni kweNdlwengulo enkulu ngowe-1929 wayeya kufumana ngokukhawuleza ukuba wayehlala ethenga isitokisi ngexesha lokuwa ngenxa yokuba isiseko saso sasincinane.
Emva kwakho konke, awunqweneli ukuba ugogo nomkhulu wakho bathenge amacandelo e-Coca-Cola ngexesha loKuPhukisa koMkhulu? Izahlulo zivunyiwe , zonke iidola ezingama-19 emva koko zixabisa ngaphezu kwama-5,000,000 namhlanje.
* Ngo-2016, ixabiso lesabelo esisodwa seCoca-Cola Inkampani eneenzuzo ezivunyiwe ngoku sele zifikelele phakathi kwe-$ 10,000,000 kunye ne-15,000,000 . Nangona oku kungabonakaliyo ukubuyiselwa kwemali-mali-mali angayifumana phambili-amaninzi amaninzi amashishini angaphumeleli - ibonisa amandla okuba ne-shishini kunye noqoqosho olude kwixesha elide kungakhathaliseki ukungabi nantoni kwixabiso lemarike yesitoksi esifanayo, yinkcazo ephambili.
Nceda uqaphele ukuba i-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo 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.