Indlela yokuqalisa
Umsebenzi wakho njengomtyalo-mali ukuthenga okanye ukudala imithombo yembuyekezo, inzuzo yengeniso, kunye neentlawulo. Kukho ezinye iindlela ezimbalwa, kodwa ezi zigaba ezintathu zeempahla zemivuzo, inzuzo yengeniso, kunye neenkontileka zibandakanya iimfuno zokutyalomali kwinani labantu. Unokwenza enye okanye zonke ezi zilandelayo:
Ukuvelisa izabelo ngokutyalomali kwiisitokisi okanye kumashishini abucala njengendawo yebhanki egcinwe nge- LLC .
Ukuvelisa inzuzo yengeniso ngokunyulwa kwemali kwiibhanki ngendlela yezatifikethi zediphozithi, kwiinkampani okanye oorhulumente (umzekelo, ukutyalomali kwiibhondi kunye neebhanki zikamasipala), okanye kubantu ngabanye, ngendlela yokubolekisa ngeontanga.
Ukuvelisa irenti ngokutyalomali kwiindawo zokuthengisa kunye nokuvumela abanye abantu basebenzise ipropati eyakho xa bekuhlawula yona, ingaba indlu, iofisi okanye isitoreji.
Abantu bathetha usuku lonke malunga nobutyebi beWarren Buffett okanye iBill Gates. Ubutyebi nje buyingeniso eveliswa yimpahla ephantsi kwabo.
Abini bobabini banezo zintathu iintlobo zeempahla kwaye baqokelela iibhiliyoni zeedola ngonyaka. Amanye ama-million angama-million awaziwayo akhetha ukwakha iphothifoliyo yamahotele okanye ivenkile zokutyela. Abanye banelungelo lokufumana utyalo-mali kwibhanki lendawo kwaye bathatha igalelo elizuzisa iphothifoliyo yezabelo zamasheya.
Ukusebenzisa ifilosofi
Xa kuziwa ekusebenziseni oku kubomi bemihla ngemihla, unokufuna ukwenza amanyathelo okuhlalutya ambalwa ngamathuba athile okutyalo-mali. Yithi, umzekelo, ukuba ucinga ukuthenga amasheya angamaRandi angama-25 000 e-Johnson & Johnson.
Masithi ukuba, ngokusekelwe kwisivuno saloo mali, uya kuba "ukuthenga" imali engenayo yemali engenayo ye-$ 908 ngonyaka kunye naluphi na ukukhula. Inkampani iphakanyisile isabelo sayo minyaka yonke iminyaka, ngoko unokuzama ukuphinda ufumane ingeniso yezabelo ezizayo.
Ngokuthatha le ndlela, unokuthelekisa utyalo-mali ohlukeneyo. Bala ukuhamba kwemali yonyaka okwakungabikho kwamasheya ahlula kunye nezixhobo ezithwele inzala ezifana neeCDs zebhanki. Beka ixesha ukukhangela kwiindawo zokutsalwa kwezindlu zangasese kwaye ufumanisa ukuba zeziphi izakhiwo zokuvelisa ireythi ezifanelekileyo kwiindlela zakho, kwaye ingaba imali engakanani ngenyanga ihamba ngayo ezi mali.
Musa ukulibala malunga ne-Inflation and Taxes
Emva kokuba sele uqalile ukuqokelela izabelo zakho, inzala, kunye neendleko, ulungelelanise kanye ngonyaka ngomlinganiselo wexabiso lokunyuka kwamaxabiso uze uqhathanise yakho "yangempela," emva kwentlawulo yonyaka. Emva kwexesha, igrafu kufuneka ibhekise phezulu ukwenzela ukuba umgangatho wakho wokuphila ukhula njengoko uneminyaka yobudala.
Inani lexabiso lemali, ngakumbi xa ufuna ukwazi ukuba iidola zakho zihamba kangakanani. Akunandaba nokuba uninzi lweedola ebhankini. Okubaluleke ngakumbi kukuba bangaphi abathengi base-cheeseburgers abanokuzithengela kunye neerandi. Ngamandla okuthenga imali obala.
Ufika njani apho, kwaye yiyiphi iphothifoliyo yakho yokugqibela yotyalo-mali iya kuba yiyo, yinto ehlala ifunyanwe. Kukho amaninzi amaninzi ayenzileyo abangenayo igalelo elilodwa lesitokhwe esithengiswa esidlangalaleni ebomini babo kwaye angalokothi uceba ukwenza njalo, nokuba. Indlela obeka ngayo ngoku kusebenza ngokupheleleyo kuwe, ubumbele bakho kunye nezinto zakho zokusebenza.