Ixabiso lempahla kunye nexabiso elifanelekileyo kufuneka liqinisekise ukuba ungumntu wezigidigidi
Izigidi kunye neNzuzo
Inkcazo yezobuchwepheshe "yindlalifa" ngumntu (okanye isibini esitshatileyo) ngenani elixabisekileyo elingaphezulu kweR1 million yezigidi ze-US (okanye imali elinganayo).
Intlawulo emele imele ifa lomntu, unciphise amatyala abo. Ixabiso elifanelekileyo lichazwa ngokuthi "into oyenayo yinto oyenzayo." Nangona kunjalo, ukuchaza i-millioneire ayinqunywanga. Makhe sijonge ukuba yintoni i-millioneire, ngakumbi xa ucinga kwizinto ezingenayo ixabiso.
Yiyiphi i-Millionaire Ebonakalayo
Masithi uYohn Doe unaloo mpahla elandelayo:
- Indlu: $ 350,000
- Imoto: $ 10,000
- Umhlala-phantsi weNgxowa-mali : i-$ 600,000
- I-Stock Fund : i-$ 80,000
- I-Mutual Fund: i-$ 100,000
- Ukuthengiswa kwakhona kwezinto eziseKhaya laKhe (Izambatho, i-TV, ifenitshala, ubugcisa, kunye ne-antiques): i-$ 20,000
- Imali: $ 10,000
- Iimpahla ezipheleleyo : $ 1,170,000
Makhe sicinge ukuba uJohn Doe unamatyala alandelayo:
- Imali: $ 120,000
- Imali-mboleko yemoto : $ 5,000
- Iimali ezipheleleyo: $ 125,000
Ngokwefom yexabiso kunye neemfanelo, uJohn Doe ungumgidi-mali. Nangona kunjalo, isikolo esinye sengqondo sicinga ngoJohn Doe umgidi-mali ngelixa esinye isikolo sokucinga asivumelani.
Kutheni uJohn Doe eyiMillionaire
Icala elichaza ewe liza kubonisa ukuba ixabiso lexabiso likaJohn lilingana ne-$ 1.17 yezigidi, kwaye amatyala akhe ayi-125,000.
Oko kuthetha ukuba intlawulo yakhe yomthamo wexabiso (i-assets minus debt) i $ 1,045,000. Ngencazelo, oko kumenza ube ngumgidi-mali.
Kutheni uJohn Doe engekho iMillionaire
Icala elibhekisa ngokuthi "hayi" lithetha ukuba ixabiso lekhaya lakhe, imoto yakhe nezinto zakhe (njengempahla yakhe, i-TV, ifenitshala, ubugcisa kunye neengqungquthela) akufanele zibalwe.
Emva koko, akunakwenzeka ukuba ahlawule ezo zixhobo okanye azithengise ngemali. Kwakhona, kufuneka aphile kwindawo ethile kwaye kufuneka aqhube imoto. Udinga ukugqoka iimpahla, udle etafileni, kwaye uhlale esihlalweni. Ubugcisa bakhe kunye neengqungquthela ezingenakho ukuba ziphinde zithengiswe ngokubaluleka okanye zibe yintengo kunye nefuthe.
Yintoni ekufuneka ibandakanye kwixabiso lokubala eliqhelekileyo ngokuqhelekileyo isifundo sompikiswano kwaye abaninzi abantu babala ngokuhlukileyo.
Ingxabano Ngamaxabiso aseMali kunye neNzuzo
Icandelo elithi "akukho" lithetha ukuba kuphela ixabiso lakhe lempahla kufuneka liqwalaselwe. Ezi zibandakanya iimali zakhe ezihlangeneyo, iimali zempahla , kunye nemali. Abanye abantu baya kubala inani le- akhawunti yakhe yomhlalaphantsi ; abanye bebengenako, benikwe ukuba loo maxabiso akhuselwe kwiifayile zokungcebeleka . Ngandlela-thile, uJohn Doe akayena umgidi-mali emva kokuba ezo zinto eziyimpahla zishiywe ngaphandle kwe-equation.
Kanti esinye isikolo sengcamango sasilungisa ukuxabisa indlu kaJohn, imoto kunye nezinto zakhe. Ewe, kufuneka aphile kwindawo ethile, kodwa akayidingi indlu engama-350,000. Baya 'bemboleka' ngeesibonelelo sezindlu, kwaye babale nayiphi na intlawulo engaphezulu.
Ekugqibeleni, akukho mvumelwano malunga nokuba u-John Doe ungumlona-mali kodwa into enye iqinisekile; UJohn Doe akanakho imali eninzi ebhankini.
Uninzi lwemali yakhe ifakwe kwizindlu kunye notyalo-mali. Ngenxa yokuba (ngokuqinisekileyo) i-millionaire ephepheni akuthethi ukuba unokuchitha imali njengesiKim Kardashian.