Mitemo Yepfuma Unofanira Kuve Wadzidza Kuchikoro
Andrew Hallam akaita. Ndiye mudzidzisi akazova mamioneya anozvigadzira nezera remakore makumi mana nemasere. Uye anoti unogona kuva mumwe, zvakare - kunyange iwe ukaita mubhadharo.
Hallam ndiye munyori weMillionaire Mudzidzisi: The Nine Rules of Wealth You Should Have Learned in School. Iri bhuku rakangwara-rakanyorwa, sezvo Hallam pachake ari mudzidzisi ane mamiriyoni uye iye zvakare, kuburikidza nekunyora kwake, anodzidzisa vanhu maitiro ekuva mamionaire.
Ndeipi mitemo yake yepfumbamwe?
Mutemo wekutanga: Shandisa Sezvaunoda Kukura
Vanhu vazhinji vanopedza savanoda kuonekwa vakapfuma. Vanotyaira motokari dzemotokari dzinowanzobhadharwa mari kana kuti dzinodzingwa. Vanotakura zvikwama zvidhura, vanopfeka zvipfeko zvekugadzira uye vanotora mazororo mashanu.
Izvi zvingaita kuti vazvinzwe vakapfuma, asi hazvizovabatsira kuti vave vapfumi. Chaizvoizvo, chichava nemhedzisiro yakasiyana.
Apo Hallam aive mumakore ake ekutanga, akabata rake pachake kuti awane mapuroteni asina mahwanda. Akagara nevanogara navo uye kazhinji imba-vaigara kune vezororo kuti vawane rusununguko rusununguko. Haana kutongotora kupisa. "Ndaifamba-famba mumba ndichipfeka zvipfeko zvemashizha nemapuranga apo chando chakakandwa kunze," akadaro.
Inzwi rakaita semamioneya-mu-the-making? Ehe saizvozvo!
Mutemo wechipiri: Shandisai mari yakawanda yekusimudzirwa iwe iwe.
Mutengesi wezvakananga Warren Buffet akatenga chikamu chake chokutanga pazera remakore gumi nemana uye majee zvokuti akatanga kutora.
Nharo iyo inotsanangura kukosha kwenguva.
Nguva inokosha kana iri kuuya pakuvaka chikamu chemamiriyoni emadhora, nekuti gore roga roga rinopfuura rinobvumira kufarira kwako kuwedzera, kana kukura, pachako pachako. Uye chikwata chinowanikwa chikamu ndicho chikuru chako chekutsvaga mari.
Fungidzira kuti iwe unotora $ 50 pa10 kubva muzana muhodha. Mushure megore rimwe iwe unowana $ 5 muzvikwereti, nokuda kwe $ 55.
Pakutanga kwegore rako rechipiri, iwe une $ 55 inotengeswa - iyo yepakutanga $ 50 pamwe ne $ 5 yakawedzerwa yawakagamuchira muzvibereko. Iwe uchawana 10 muzana pane iyo inowanikwa ye $ 55, iyo inofanana ne $ 5.50
Cherechedza kuti mugore reChishanu 1, iwe wakangowana $ 5 chete. Asi muna Gore 2, iwe wakagamuchira $ 5.50 muchibereko. Izvo "chido chinokonzera" ndechokuti mamwe mazana makumi mashanu, iyo inofarira yawakagamuchira nekuda kwako.
Kana iwe uchiita kuti chibereko chiwedzere pairi pachako, chinonyanya kukosha kukuwana kwako kuchava. Ndokusaka kuwedzera kufarira ndekukuita kwako kukuru kwekutsvaga.
Mutemo wechitatu: Zvikamu zviduku zvinotakura zvidhi.
Kana iwe ukasimudza mune rimwe rekuchengetedzana-gwaro rakabatanidzwa, iwe unogona kunge uchibhadhara mari yakawanda. Mari inoshandiswa inobhadharwa yakasimudzirwa "kudhura zviyero" (izwi rakashandura kune "mari") kupfuura mari yekunyoreswa inotarisirwa. Vamwe vanobhadhara mari 12B1, mari yekutengesa, mitoro yekutengesa uye imwe yezvimwe mari.
Iko mari inogona kunge inonzwika shoma, asi inotakura chironga chikuru. Gara nemari yakaderera-mari yakafanana nemari yemari kana sarudzo-isina huru-yekutengeserana mari yekutengesa mari.
Mutemo wechina: Kunda muvengi mugirazi.
Mibvunzo yekukurumidza: iwe unogona here kubhadhara mutengo wakakwana weviri ye jeans, kana kuwana 20 kubva muzana kudhura kweiyo imwe ye jeans?
Ndiyo mubvunzo uri nyore.
Achifunga kuti zvimwe zvose zvakaenzana (semuenzaniso jeans inotengeswa panzvimbo imwechete yeporo, inopa mutemo wekudzorera wakafanana, nezvimwewo), iwe unogona kunge uchatenga pane zvishoma.
Saka sei iwe usingaiti chinhu chimwe chete kana zvichiuya pakutenga mashizha?
Heino chokwadi chakakomba: apo misika yepamusoro inodonha, vanhu vanogara vachitenga zvishomanana. Muzvokwadi, vanoedza kutengesa. Apo pamusika inokura, vanhu vanoedza kutenga zvakawanda. Vari "kutenga zvakakwirira uye vachitengesa pasi" - zvakasiyana nezvinofanira kuita.
Icho chimiro chevanhu chaiwo. Ndiyo imwe yatinofanira kurwisana nayo.
Mutemo we5: Gadzira makomo emari ane chikwereti chinotarisira.
Mbeu dzeBrussels dzakakunakira iwe. Asi kana ihwo chete yezvokudya zvaunodya, iwe uri kurasikirwa neprotheni, calcium nemamwe akawanda mavitamini nemaminera akawanikwa mune zvimwe zvokudya.
Tinoda kudya kwakakwana, uye isu tinodawo kuenzanisa kworuzhinji.
Anokurudzira kuparadzanisa mari yako muchikwata chemari chekuchengetwa kwemari, yepasi rose index index fund, uye pamba yenguva shoma bond bond. Izvo zvakanaka - iwe unongoda mari imwe chete kutanga nayo.
Chengetedza makore ako muzvisungwa, pamwe chete nevamwe vari mumatanda, anodaro. Mumwe weAmerica ane makore makumi matatu nematatu, somuenzaniso, aizochengeta 30 muzana muhurumende shomanana yehurumende yeUnited States uye makumi manomwe kubva muzana mumatokari, akaparadzaniswa zvakafanana pakati pezvikwata zveUnited States uye zvigadzirwa zvepasi rose. Anodzokorora gore negore.
Mutemo 6: Muenzaniso weti "round-the-world" tikiti yekunyora.
Zvimotokari zvemari zvakadai semakore 401 (k) zvirongwa uye Roth IRA anoronga, kutonga kwemitero uye Social Security benefits, shure kwezvose, zvikamu zvinokosha zveurongwa hwemari yako. Uye zvinhu izvi zvakananga kuU.S. Dzimwe nyika dzine mitemo yakasiyana, zvirongwa uye motokari yemotokari.
Asi kana uri kugara muCanada, Singapore kana Australia, iwe uchada chitsauko ichi muHarlam bhuku. Anoratidza kuti vanhu vanogara munyika yose vanogona kuvaka sei mari yekuenzanisa.
Mutemo we7: Peek mukati mebhuku rekufambisa.
Muchitsauko ichi, Hallam inokurukurai-kazhinji-inoshandiswa kutengesa mazano mazano avo vashandisi vanoshandisa pavanenge vachiedza kukukurudzira kuti uchengetedze mari yako mukushandira mari panzvimbo yekuda mari. Anonyora zvikonzero izvo vatengi vanoita-uye vanogogodza mumwe nomumwe pasi. Anokuratidzawo kuti vatengesi vane sei simba rekubhadhara mari kuti iwe utenge mune mari yakakwirira-mari.
Mutemo 8: Dzivisa kunyengera.
Muna 1998, shamwari yakauya kuHallam inewo-yakanaka-ku-ye-yekushambadzira kwechokwadi, kambani yakanga iri kubhadhara 54% pagore. Hallam akanga asinganzwisisiki, asi akatarisa shamwari yake ichiunganidza chido ichi pamusoro pemakore mashanu anotevera. Pakazosvika 2003, Hallam aiva nechokwadi, saka akaisa $ 7,000 mukambani uye dzimwe shamwari dzake dzakabatanidzwa. Kambani yakatevera yakava Ponzi scheme, uye varimi vakarasikirwa nechinhu chose.
Usaedza kuedzwa nemari nyore, Hallam anonyevera. Gadzikana kune index index.
Mutemo wegumi nematatu: Mazana 10 muzana yekugadzirisa mhinduro-kana iwe usingakwanisi kuzvibatsira.
Chii chaunofanira kuita kana iwe chaizvoizvo, uchida chaizvo kuisa mari mumatanda? Ita kuti iwe usati wanyanya kupfuura 10 muzana yehuwandu hwepodfolio yako uye udzidze mashizha zvakanaka.
Dzidza zvakawanda pamusoro pebhuku iri pawebsite yaAndreya, AndrewHallam.com
Zvinonzwisisika: Kopi yekuongorora yakapiwa nemuparidzi.