Isingeniso kwiNtsebenziswano yoLuntu lweNtsapho
Iintsapho ze-savvy zemali kunye nabatyalo-mali abanamathuba athile bajikeleza le ngxaki ngokudala into eyaziwa njengentsebenziswano engabambiswanga yintsapho. Ivumela amalungu entsapho ukuba adibanise imali yawo kwaye enze iprojekthi, njengokwakha izakhiwo zedolophu, ezingenakwenzeka ngamalungu ngamnye ngenxa yokungabi namali okanye amava. Nokuba umtyalo-mali owaziwayo wehlabathi uWarren Buffett waqala ngale ndlela ngokubamba imali kwiintsapho ezisixhenxe zentsapho okanye ngabahlobo abasondeleyo. Ngokufanayo, uSam Walton wenza into efana kakhulu xa edala iWalton Enterprises, LLC, yintoni isithuthi apho abantwana bakhe kunye namalungu omndeni bakhe bezabelo zakwaWal-Mart Stores, Inc., kunye nezinye iimali-mali. Nangona iWal-Mart ingaba yinto enkulu namhlanje, yayisitolo esincinci esinesibini kunye nesidem xa isakhiwo sifakwe.
Abalingani abaPhathelene nabalingani abaManyeneyo
Ubumbano obuninzi obunxulumene noluntu lunemiba emibini yabalingani - amaqabane aqhelekileyo kunye namaqabane aphantsi.
- Jikelele Umlingani : Omnye okanye ngaphezulu amalungu omndeni abizwa ngokuba ngabaqabane jikelele. Baya kuba noxanduva olungenamkhawulo, njengomnini-mnikazi wedwa, ngoko ukuba iprojekthi ingaphumeleli, iifayili zabo ziyimidlalo efanelekileyo kubabolekisi. Umlingani oqhelekileyo uya kuhlawulwa ngokuvumelana nesivumelwano sokusebenzisana. Abanye abaqabane abaqhelekileyo bafumana ukunciphisa inzuzo, ngelixa abanye bafumana umvuzo wonyaka omileyo. Umlingani oqhelekileyo unembopheleleko yolawulo lwemihla ngemihla yolwalamano olulinganiselweyo lwentsapho, kuquka ukuqesha nokuthatha izigqibo, ukufaka imali kunye nokuhoxiswa kwemali, njl.
- Abalingani abaNcinci : Abalingani abancinci bangamalungu entsapho abanikela ngemali ngokutshintshela ubuni kwiprojekthi kodwa abanakho uxanduva lolawulo. Bahlangana kunye nokuvota kwisivumelwano sentsebenziswano , yimiqathango elawula ubambiswano obuncinane, kunye nokuqokelela izabelo , inzala kunye nenzuzo. Njengomgaqo oqhelekileyo, amaqabane anqamlekileyo akakwazi ukulahlekelwa ngaphezu kokuba atyalile kubambiswano (kukho ukungabikho, kungenxa kubalulekile ukuba uxoxe nazo naziphi na izicwangciso kunye nommeli oqeqeshiweyo kunye namava kulo mgaqo womthetho). Abalingani abangabandakanyekanga abanakho ukuthetha kwizigqibo zolawulo lwemihla ngemihla kwaye abanako ukubandakanyeka kuyo nayiphi na umsebenzi olawulayo, okanye mhlawumbi bangazibangela ukuba balahlekelwe ngumgangatho wabo woqabane okhuselekile.
Umzekelo Wendlela Inxulumano Yomtshato Elingabambiswanga Ngangasetyenziswa Ngayo
URobbie ufuna ukwakha uhla lweedscale zedolophu eMidwest. Ulindele ukuba iphrojekthi ixabise i-$ 1,200,000 ezibandakanya iimfuno zayo zeemali ezinkulu kunye nokwenza imali engama-$ 200,000 ngemali ngamnye ngonyaka ngaphambi kwenzala kwimali yerhafu kunye neerhafu. Ukuze kugcinwe iprojekthi, ifuna ukuhlawula okungenani ama-50%, okuya kufuna i-$ 600,000.
Ngelishwa, uRobbie akanalo hlobo lwemali ekhoyo, ingakumbi kungekhona kwimali ekhoyo !
Ubiza abazalwana bakhe, oodade, abazali, kunye nootatomkhulu, kwaye banquma ukudala ubudlelwane obunabantwana. Bahlala kwisakhiwo esilandelayo:
- Ubambiswano obunqamlekileyo buza kukhupha iiyunithi ezibambiseneyo ezingama-6,000 ("izabelo") kwi-100 100 nganye kwii-6,000 izabelo kunye ne-600,000 zama-dollar kwimali yokuqala. Amacandelo e-LP akakwazi ukuthengiswa ubuncinane ubuncinane iminyaka emihlanu kwaye intsebenziswano iya kuhlawula i-70% yemali engenayo yemali ngokwemivuzo.
- URobbie uya kuthenga ama-600 alawa mahlulo ngokunikela imali engama-60,000 kwi-intsebenziswano engabandakanyekanga (iintsapho ezingama-600 x $ 100 nganye = $ 60,000). Oku kunika u-10% ubunini beprojekthi esekelwe kutyalo-mali. Uya kuthiwa ngumlingani oqhelekileyo kwaye, ngaphezu kobunikazi bakhe, uya kufumana i-5% yokuqala yeentlawulo zangaphambili zentlawulo njengemali yolawulo yokusingatha imisebenzi yemihla ngemihla.
- Amanye amalungu eentsapho zikaRobbie athengisa ama-share angama-5 400 ahlangeneyo. Ukususela kuba kukho amaxabiso angama-6,000, isabelo ngasinye sichaza i-1 / 6,000 ubunini kubambiswano olulinganiselweyo lwentsapho.
Ngoku, uRobbie ulawula ubudlelwane obuncinane beentsapho kunye nemali eyi-600,000 yemali. Uya kwibhankini yendawo kwaye ufumana imali yokuqala yokubolekwa kwemali yee-600,000 zamaRandi, i-$ 1,200,000. Ubambiswano luyakha izindlu zedolophu, ziqeshisele kubaqeshi, kwaye ziqala ukuqokelela ingeniso yerenti. Unyaka ngamnye, njengoko imali ehlawulwayo ihlawulwa phantsi kwaye izabelo zihanjiswe kumaqabane, intsapho iyakhula. Ngaphandle kokubambisa imali yabo ngokubambisana kunye nabantwana, oku kungenakwenzeka!
Ngaba Ulwalamano Lwezentengiselwano Lwentsapho Ngaba Unelungelo Lakho?
Ukunyaniseka, akukho mntu kodwa ummeli onoxanduva kunye nomthengisi weerhafu unokukunceda uphendule lo mbuzo . Kukho ezinye iinkalo ozifunayo ukuba uzibambe kwisigqibo sakho:
- Unethemba elingakanani iqabane eliqhelekileyo? Khumbula ukuba lo mntu uya kunqanda ukufikelela kwiimali zentlawulo kunye nezinto zezoshishino. Ukuba unemibuzo malunga neengqibelelo zabo, ubulumko bubangela ukuba ugweme utyalo-mali. Ngokuqhelekileyo, ulawulo olufanelekileyo lwenza umehluko phakathi kokulahlekelwa kotyalo-mali kunye nokuzuza okukhulu.
- Ngaba ukudibanisa imali yakho kukuvumela ukuba wenze iiprojekthi ezingenakwenzeka kwaye mhlawumbi, ngaba ezi projekthi zinikela ngenani lezinga lokubuya ?
- Ngaba ukudibanisa imali yakho kukunceda ukuba ugweme "ukunweba" okanye ufikelele kakhulu kwaye uthathe ingozi enkulu kwaye ube ngumngcipheko wezemali?
- Ingaba intsebenziswano engalinganiselwe intsapho iya kusekwa kwithuba elinye lokutyalomali okanye njengothutho oluqhubekayo oluya kuqhubeka nokudala okanye ukufumana ixabiso?
- Ingaba iprojekthi ebandakanyekileyo iqulunqwa yomelela ngokwaneleyo ukulungiselela iindleko zokuba nemithetho yoqinisekiso lokubungqina kommeli kwaye uqinisekise ukuba awuphuli nayiphi na imithetho? Ukukhupha iiyunithi zobambiswano ezincinci kufana nokukhupha i-stock kwiindawo ezininzi kwaye iyaxhomekeke kwimithetho nemimiselo.