Ezinye Iingcebiso Kubatsha-mali abatsha Abafuna ukuTyala kwiiShishini
Umsebenzi wakho ukuthenga iingeniso.
Ngaphandle koko, kukho imigaqo embalwa omele uyilandele ukuze uphumelele ekutsalweni kwakho kwexesha elide, njengowomlimi wezolimo zobisi kufuphi neKansas City , okanye u- Anne Scheiber , ummeli we-IRS oguqulele i-$ 5,000 kwiidola ezingama-22, okanye uGrace Groner , unobhala owanike iidola ezigidi ezingama-7. Abaninzi abatyalo-mali abatsha abazi ukuba omnye kwabafundi abayi-25 e-United States ungumgidi-mali. Banobuqhetseba ukuba ubutyebi bezemali busoloko lubhekisela eBentley, jet yangasese, kunye nohambo kwi-Saks xa abo bantu bamele ubuncinane besityebi. Abantu abaninzi abaphumelele ngemali bahlala kwiidolophu eziqhelekileyo, baqhube iimoto eziqhelekileyo, kwaye baphile ubomi obuqhelekileyo. Ukwahlula kukuba, batyala imali ngokuhlakanipha kwaye ngoku babeka phakathi kwinqanaba le- capitalist .
1. Gcina kwizinto owaziyo
Okokuqala, ngenxa yokuba uthengela inzuzo , kufuneka ugxininise kwiifa oziqondayo. Ukuba unayo ibhuloho yokurhafisa, kulula ukubona ukuba inzuzo yakho iya kuvela kubantu abawela ibhuloho yakho ngokuchitshiyelwa ukuhlawula ii-toll.
Ukuba unesitolo sekhofi, kulula ukubona ukuba iingeniso zakho zivela ekuthengiseni ikhofi. Ukuba awuyiqondi iikhomputha, unokuzixelela njani ukuba inkampani yekhompyutheni yenza imali yayo? Ukuba awuyikuqonda ukukhusela kwe-aerospace, unokuyivavanya njani ngokufanelekileyo amandla okufumana esizayo? Sebenzisa ithuluzi likaWarren Buffett: I- KISS, okanye i-Keep It Simple, I-Stupid!
Gcina kwizinto owaziyo kwaye usebenzise ulwazi lwakho olulodwa. Umsebenzi wokwakha mhlawumbi unenzuzo xa ephonononga iinkampani zokwakha ngaphezu kwebhanki. Ibhanki mhlawumbi inenzuzo xa ihlola iibhanki zebhanki phezu komphathi wesitolo. Umphathi wevenkile wevenkile mhlawumbi unenzuzo xa ehlola izitokisi zokutya phezu komsebenzi wokwakha.
2. Ukuhlawula ixabiso elifanelekileyo
Akukho nto ibaluleke kakhulu njengexabiso olihlawula ngayo utyalo-mali. Ukuba umsebenzi wakho ukuthenga iingeniso, umgangatho ongezantsi uhlawula, ukuphakamisa kwakho ukubuyisela. Oko kukuthi, ukuba uthengisa i-$ 1 kwinzuzo, ukubuyela kwakho kuya kuba ngu-10% xa uhlawula i-$ 10. Ukubuya kwakho kuya kuba ngu-5% xa uhlawula i-$ 20. Intlawulo ohlawulayo ibaluleke kakhulu kwiziphumo zakho . Ungalokothi ulibale loo nto. Yintliziyo, yona imfihlelo, yabo baphumelele ekutyalweni kweempahla.
3. Njalo Uyakwakha Kwinqanaba Lokukhusela
Umda wokhuseleko ngumxhasi owakhayo kwixabiso olihlawulayo kwisitokhi ukuzikhusela phantsi. Ukuba inkampani iphilile kwaye ucinga ukuba ixabise i-$ 15 ngesabelo ngasinye, unokufuna ukuthenga kuphela xa kuthengiswa i-$ 11 ngesabelo kwi-stock exchange. Njengoko unjineli wakha ibhuloho yeetoni ezili-15 ukujamelana neetoni ezingama-20 okanye ezingama-30 njengomgama wokhuseleko, kuphela ukuthenga amasheya angaphantsi kokubaluleka kunokuba kunika ithuba lokwenza umxhelo obumnandi kwiminyaka.
Xa kwenzeka ukuphazamiseka kweemarike, kunokukunceda ukunciphisa ilahleko zakho njengoko igalelo eliphantsi kunye namandla okufumana ibhizinisi kukuphatha kuze kube yimpumelelo.
4. Kuza Kuya Kudala Iminyaka I-Stock ihla i-40% ukuya kuma-50% okanye ngaphezulu
Khawujonge umzekelo wohlolo lwama-20 we-Colgate-Palmolive. Ngoku, ukuhlaziywa kweminyaka engama-20 ye-Procter & Gamble. Emva koko iHershey Foods. UMcDonald. Iphethini yavela. Utyalo-mali olulungileyo kule minyaka engamashumi amabini adlulileyo lwaye lwabangelwa yiWall Street, ehamba ngokukhawuleza, kodwa kungeyona nto inomdla, njengoko i-earnings kunye nezibonelelo zaqhubeka zikhula rhoqo. Phantse kuzo zonke iimeko, ezi zifuyo zineminyaka embalwa apho apho zalahlekelwa ngu-50% wexabiso lemarike yazo.
Ezi ntlobo zokuguquka akufanele zixhomekeke kumtyalo-mali oyinyaniso. Ukuba bakubangela ukukhathazeka kabuhlungu, awukwazi into oyenzayo.
Ngobulumko bukaBenjamin Graham, ixabiso lentengo likhona ukuba ungayinaki okanye uyisebenzise ngokusekelwe kulokho okulungileyo kuwe. Akunakho ukukwazisa ukuba yintoni ixabiso lenkampani elingaphambili. Lo ngumsebenzi wakho ukubala.