Ukufumana imali engakumbi ngaphandle komzamo omkhulu
Ezinye zezona zibalulekileyo zakhono zamatriki ozifunayo, zivela, zezizinto eziphambili ozifundileyo kwibakala lesine. Ukuphindaphinda kwamaqela aphindwe kabini kunye nokwahlukana kunokukunceda UTHETHE imali yakho.
Kukho imithetho emibini ephathekayo endiyisebenzisayo xa ndibala ukuba utyalo-mali uza kuhlawula njani . Omnye ubizwa ngokuba ngu "Umthetho we-72," kunye nomnye "uMthetho we-115."
Makhe sijonge indlela anokunyusa ngayo ubutyebi bakho.
Umthetho we-72
UMthetho we-72 ubonisa ukuba ungaphinda ujonge ngokukhawuleza imali yakho . Konke okumele ukwenze kukwahlula i-72 ngenqanaba lomdla elifumanayo. Le yinani leminyaka liya kuthatha ukuba imali yakho iphindwe kabini.
Ngokomzekelo, ukuba imali yakho ifumana inzala ye-8 yepesenti, uya kuphinda uhlawule imali yakho kwiminyaka eyi-9 (i-72 eyahlula ngo-8 ilingana ne-9).
Ukuba imali yakho inokufumana i-rate ye-5 yepesenti yemali, uya kuyiphinda kabini kwiminyaka eyi-14.4 (ii-72 ezahlukileyo zi-5 zilingana no-14.4).
Ukuba imali yakho ifumana isantya se-1 yepesenti yentengo, iya kuthatha wena-yep, uqikelele-i-72 yokuphinda iphindwe kabini.
Khumbula: lo "ngulawulo lwesigwenga," kungekhona umyalelo wensimbi. UMthetho we-72 awulungelelanisi iinkcukacha ezenza i-dent ephawulekayo kwimbuyekezo yakho, njengeentlawulo kunye neenkokhelo zokulawula ze-fund yakho.
Nangona kunjalo, uyisikhokelo esiluncedo sokwenza ukubala ngokukhawuleza kwengqondo ukuba kuya kuthatha ixesha elingakanani ukuguqula i-$ 10,000 ukuya kwii-20,000 zamaRandi.
Ngaphandle koko, kukukhumbuza okumangalisayo kwendlela enamandla ngayo ipesenti enye.
Ukwahlula phakathi kweepesenti ezingama-6 kunye ne-7 ekhulwini akuzwanga ngathi kuninzi. Kodwa umahluko phakathi kokuphindaphinda kabini imali yakho kwiminyaka eyi-12 ngokubhekisele kokuphindwe kabini imali yakho kwiminyaka eyi-10.3 izandi kakhulu.
Njengengxelo yecala, uMthetho we-72 uthatha ukuba imali yakho "ihlanganiswa ngonyaka" -igama elisetyenzisiweyo ukuba kanye ngonyaka, umdla wakho uyakongezwa kwinqununu yakho kwaye yonke imali iyabuyiselwa kwakhona.
(Inzala yimali oyifumeneyo; inqununu yimali oyiqale ngayo.)
Ulawulo lwe-72 luyisixhobo esincedo ukubonisa umbane wenzalo-oko u-Albert Einstein kuthiwa "ngumandla onamandla kunawo wonke."
Umthetho we-115
Ndandisanda kufunda ngoMthetho we-115, oko kulandela uMgaqo we-72. Ukuba ucinga ukuba ukuphindaphinda kabini imali yakho, akukho Mthetho we-115. Lo myalelo wezithupha ubonisa ukuba uza kuthatha ixesha elide ukuya kwi-TRIPLE imali yakho.
Ndibetha ungacinga ukuba uMgaqo we-115 uhamba njani. Hlukanisa umyinge we-interest rate ngo-115. Esi sixa semali esithathayo ukuba ibe yintathu ngemali yakho.
Ngokomzekelo, ukuba imali yakho ifumana inzala ye-8 yepesenti, iya kuba kathathu kwiminyaka eyi-14 (i-115 eyahlula ngo-8 ilingana no-14.3).
Ukuba imali yakho ithola inqanaba le-5 lempesenti, iya kuba kathathu kwiminyaka engama-23 (i-115 eyahlula ngo-5 ilingana ne-23).
Qaphela ukuba i-tripling yakho imali kulula - ngezinye iimeko - ngaphezu kokuphindwe kabini imali yakho. Ukuba ufumana i-rate ye-5 yepesenti yentlawulo, uza kuchitha iminyaka engama-14 neyesigama uzama ukuliphindaphinda kabini, kodwa kuphela eyongezelelweyo iminyaka engama-9.
Inzala Eyinkimbinkimbi Yakho Umhlobo Wakho
Umthetho we-115 uyabulela kwakhona kumandla wenzalo . Inomdla wakho umvuzo ufumana, imali yakho iya kusebenza kuyo.
Nangona kunjalo, oku kuthatha ukuba uvuselele umdla kunokuba uchithe kwiingubo ezintsha okanye imidlalo.
Ndixelele umhlobo malunga nale mithetho kanye, kwaye wabuza umbuzo omangalisayo: "Ndiyayifumana njani inzala? Ndingazi njani ukuba ndiyakwenza oko okanye akunjalo? "
"Ukuba awufumani isheke okanye intlawulo evela kutyalo-mali lwakho unyaka ngamnye," ndaphendula, "mhlawumbi uvuselela umdla."
Jonga kwiphepha-okanye ikhompyuter yekhompyutheni - apho uthenge khona imali yakho. Umele ubone ibhokisi elincinci elithi, "buyisela inzala kunye negalelo." Le bhokisi iya kuba ikhona apho kungakhathaliseki ukuba utyalo- mali kwiimali zentengiso, iimpahla, izibophelelo okanye imali ethengiselana ngayo .
Hlola ibhokisi uze uyilibale ngalo. Lindela iminyaka eyi-14. Jonga imali yakho kathathu.
Yinto elula.
Qwalasela kwakhona umthetho we-3%.