Ukuqulunqa umvuzo wexesha elizayo kunzima nakakhulu ngenxa yezinye izinto ezininzi. Okokuqala, akukona zonke iinkcukacha zezemali ezichaphazelekayo kwiinkampani zingafumaneka ngokuhlalutya isitatimenti sengeniso, ishidi-mali , okanye isitatimende sokuhamba kwemali. Azikho zonke iimpendulo ziya kufumaneka kwingxelo yonyaka okanye ifom ye-Fomu 10-K . Umzekeliso osetshenzisiweyo ovela kwimodeli yezemali kunokusinceda ukuqonda ukuba kutheni ndithetha oku. Ukuba ufunde ukubhala kwam apha apha kwi- Investing for Beginners okanye ngaphaya kweblog yami, mhlawumbi uvile lo mzekelo kodwa uqhubelela iphuzu ekhaya ngendlela ecacileyo.
Khawucinge ukuba ukhangele iincwadi zehashe elinenzuzo kakhulu kunye nomvelisi wezinto ezinobuninzi ngaphezu kwekhulu leminyaka edlulileyo. Ukuthengisa kuyamangalisa. Ukuhamba kwemali kuyamangalisa. Inzuzo ihlala ikhula. Eli shishini lithile linalo idumela elihle, lenza umkhiqizo ophezulu, kwaye, ngenxa yoko, liye lafumana impumelelo enkulu kwimarike.
Uqala ukuzama ukucwangcisa oko ucinga ukuba uya kuzuza ngonyaka ozayo, okanye kwiminyaka emihlanu, okanye kwiminyaka elishumi. Ngelo xesha, uHenry Ford uzimisele ukugqithisa imoto yakhe yeT Model T kwaye utshintshe ihlabathi ngonaphakade. Imfuno yeemveliso ezi zithengiswayo ziza kuqubeka, ngokukhawuleza okokuqala kwaye ngokukhawuleza. Amahashe akakwazi ukukhuphisana neemoto.
Zibiza imali encinci ukugcina. Azingabonakali. Banikezela ngamava ohambo olonwabisayo, ngakumbi kubantu abadala kunye nabagulayo. Ukuba awuzange uphawule ngokunciphisa kwecandelo okanye ishishini apho le shishini liqhutyelwa khona, uya kuhlawulwa kwizinga elithile ukuba inani lakho elibonakala ligcinayo liza kubangela ukuba ulahlekelwe yimali. Iintlawulo zexesha elizayo aziyi kuba khona ngaphandle kokuba ulawulo luyakwazi ukulungelelanisa ngokunikezela ngeenkonzo ngezinye iindlela.
Kwiphepha le-flip, utshintsho olunzulu olunjalo luyingqayizivele ngaphandle kweendawo ezimbalwa kwezoqoqosho, iteknoloji iyinto yazo. Kungenxa yesi sizathu sokuba isibonakaliso esikhulu kakhulu semvuzo esizayo esiyifumanekileyo, xa iseshishini singatshintshi kwisigaba esahlukileyo kumjikelezo wayo wokuphuhlisa (umzekelo, i-Corporation kaMcDonald isuka kwi-franchise yokutya ngokukhawuleza isuka kwi- blue-chip giant esele ilawula ihlabathi). Ngokukodwa, ukuba inkampani ikhule ngo-4% kwiminyaka elishumi edluleyo, akunakwenzeka ukuba iya kuqala ukukhula ngo-6-7% kwixesha elizayo elincinci kwezinye izinto eziphambili. Kufuneka ukhumbule oku, kwaye ulinde ukungaqiniseki. Iziphumo zakho zezemali kufuneka zibe yinto engathandabuzekiyo, ngokugqithiseleyo ngokugqithiseleyo.
Ukuba masosetiki kwiimali kunokuba luncedo kakhulu. Isimo esifana nePollyanna sinokukrazula ishidi lakho lokulinganisela kwixesha elide. Ufuna umda wokhuseleko.
Ukongezelela, khumbula ukuba iinkampani ezibandakanyekayo kwiimashishini ezinjengezinto zensimbi, ukwakhiwa, kunye nabakhiqizi bemoto ziyaziwayo ngokuthumela i-$ 5 ngenzuzo yesabelo ngasinye ngonyaka kunye nokulahlekelwa yi-$ 2.50 elandelayo. Umtyalo-mali makangacapheli ukuba angabikho izicwangciso zonyaka okhoyo wodwa. Uya kulungiswa ngokugqithiseleyo kwimali engenayo kwiminyaka emashumi edlulileyo, kunye nokuza ngokulinganisela okusekelwe kuloo nani. Enye imingcipheko enokuthi iwele into eyaziwa ngokuba yi-peak income.