Ukuqonda iNdima yoLondolozo lweNtengo kwiNtsalo-mali
Ngokomzekelo, unokufumana ubuninzi obufanayo bee-cheeseburgers, ikhofi, amathayi, amathikithi e-movie, amagumbi e-golf, okanye iitanks ze-petroli. Kanye kuphela xa kuqala, okanye kwezinye iimeko, imeko yesibili inelisekile, ngaba umnikazi wepottoliyo okanye umphathi ujonge ukufumana eyona nto, ukubuya kwangempela kwisikhundla.
Oku kungathi kuluhlu lobugcisa kwaye kunzima ukuyiqonda. Akunjalo. NgesiNgesi esilula, ukulondolozwa kwenkunzi yikhowudi yeefowuni efuna ukuqonda ukuba ezinye iimfumba zemali ayilungiselelwe ukuba zikhule zikhulu. Ukuba bayakwenza, oko kukugcoba kwikhekhe, kodwa akusona isizathu sokuba uzibeke eceleni; akusona isizathu sokuba zikhona kwaye zidinga unyango olukhethekileyo. Kunoko, baye basindiswa kuphela ukuba babe khona xa ufuna ukufikelela kubo. Ngexesha elithile, uceba ukuchitha imali. Ngokuqhelekileyo, oku kuyimfuneko kuba uyasondela, okanye ngoku ujonge, umhlalaphantsi. Imali iya kusetyenziswa ukuhlawula iibhilikhwe zakho, ukugubungela imiyalelo yakho yezokwelapha, ukugcina ukushisa ebusika, phuma ukuze udle njalo emva kwexesha, kwaye uthumele izipho zeKhisimusi kwizizukulwana zakho.
Njengokuba ngokuqhelekileyo, iimali zibekelwe indawo yokuhlawula i-estate estate .
Iimpahla ezithile zilungele ngakumbi ukuLondolozwa kweNtengo kunabanye
Isizathu sokuba kubalulekile ukubonisa ukuba inkunzi ethile yemali inenjongo yokulondolozwa kwenkunzi kukuba inqande kakhulu indawo yonke yempahla ehlakaniphile apho ungayipaka khona imali.
Ubungqina bezemfundo kunye namava okwenene kweli hlabathi lubonisa ukuba ukuqokelela kweentlobo ze- blue-chip , ezigcinwe ngendlela ekhompyutheni, ephantsi kwendleko, ichithwe ngokupheleleyo zonke iiklasi ze-asethi, xa unako ixesha elide lokuthenga, kunye nokuthenga kwakho okokuqala Ixabiso lalingqiqweni ngokumalunga nomvuzo ohlawulelweyo kunye nenani leencwadi . Amasheya akafanelekanga kumntu onenjongo yokulondoloza imali. Ngokufanayo, iimbophelelo zidlalwa ukuba "zikhuselekile," kodwa ukuba uzisa ixesha elide lokubambisana, unokubona ukuguquka kwexabiso njengenkulu, ukuba kungenkulu, kunemarike yempahla.
Ngenxa yenjongo ephambili yokulondolozwa kwemali, ukuqwalasela okubalulekileyo xa ukhetha izinto eziphathekayo ezihambelanayo neemfuno zomnikazi wepottoliyo emva kwalowo mgaqo-nkqubo ugxininise ukungazinzi - oko kukuthi, uninzi kangakanani ukhuseleko okanye i-akhawunti enokuthi iguquke ngokubaluleka, ichazwe ipesenti yesiseko sokuqala seendleko. Izinketho zokugcina izindleko ezinkulu e-United States ziquka ii-akhawunti zokujonga i-FDIC, i-akhawunti yokulondoloza, i-akhawunti yemarike yemali, (kungekhona imali yemarike yemali - ezo zihlukileyo), kunye neziqinisekiso zokupaka. Kuzo zonke iimeko, utyalo-mali ophantsi kwemida efanelekileyo kufuneka akwazi ukugcina ixabiso lokuqeshiswa kwemali yakhe, unciphise iindleko zebhanki okanye iindleko.
Unayo iifutshane zeeNondyebo zeeNdleko ezibekwe ngokukhawuleza kunye ne-United States Nondyebo kwi-akhawunti yeSebe lezeMali. Ezinye iinketho zibandakanya i-greenbacks yangempela-iibhanki-ezifakwe phantsi kwe-mattress, kwikhofi zingangcwatyelwa ngasemva, okanye zifakwe ebhokisini ekhuselekileyo, nangona zonke ziza zengozi yazo. Ngethuba elincinci ixesha elide kwaye akukho mfuneko yokufumana imali engenayo yangoku, ubophelelo lwe-United States olondolozo lunokukhetha okulungileyo.
Ubungozi bokukhetha iiAfa ezingafanelekanga zokuLondolozwa kweNkunzi
Phantse kanye emva kwesizukulwana, ukhuseleko olutsha lwezezimali luya kufakwa kwiWall Street kwaye abantu babonakala beyisebenzisa njengemali elinganayo yemfuno yabo yokugcina imali. Emva koko, ukunyuka kwemali okanye enye inkathazo kuhlaselwa, kwaye kuyacaca ukuba ukhuseleko luyinto engafanelekanga.
Sibone oku kubuya kwiCreat Recession ka-2008 kunye no-2009 kunye nento ebizwa ngokuba yi-auction rate rates, apho abantu babephatha ngokungathi bafana nekheshi ebhankini. Kwakungekho, kwaye abanye abantu balahlekelwa izigidi zeedola ngokukhawuleza xa behluleka ukufumana umthengi kwiphepha labo.
Njengomgaqo oqhelekileyo, kukunceda ukhumbule ukuba ukuba ukugcinwa kwemali kuyimfuneko ngokwenene, nokuba uvume ukubuyiswa kwemali engama-0%, okanye izinga elincinci lokubuyisela emva kokunyuka kwamaxabiso , kukhetha ukubeka imali ongenako ukukwazi ukulahlekelwa yingozi. Musa "ukufikelela kwisivuno". Awuyi kufumana iziphumo.