Zvese Zvaunenge Wakaita Une Trade-Off - Ita Zvechokwadi Ndizvo Zvakakodzera
Ukama huripo pakati pekudzoka uye mari yemukana ndeyechipiri chimiro chemuiti webhizimisi akabudirira. Apo Ray Kroc aive achichinja mutambo weHurgurger weHurgurger muheheti iyo iri nhasi, akanzwisisa kuti mabhizimisi aifanira kuitwa apo pakasvika pane zvigadzirwa zvemashizha, hutano hwekicheni chekugadzira, kutengesa kwechirongwa, kutora zvigadzirwa kuvanhu, nezvimwe zvakawanda . Sezvo muridzi wezvemari , iwe uzvidzidzira kuona nyika kuburikidza nemirairo imwechete yemari yakakosha ndeimwe yezvinhu zvinonyanya kukosha zvaunogona kuita kuti ubatsire kukura mumatare ako, kuve wakasununguka mune zvemari , uye kutanga kutora mari isina kufanira . Asi sei, iwe unonyatsoshandisa sei kuzvikwereti zvako? Heano maitiro mashoma.
1. Ongorora Kudyidzana Mikana Mari
Kana zvikwereti zviviri zvikaita kudzoka kwakafanana, asi imwe inoda kuti uzvisunge mari yako kwemakore matatu uye imwe inoda kuti uzvisunge mari yako kwemakore gumi, imwe inogona kuva yakakosha kudarika imwe zvichienderana nemafungiro ako emari uye yako pachake mari yemari.
Kana iwe uchifunga kuti chido chekudarika chava kuda kuwira, mari yekutsvaga kwemakore gumi ndiyo chisarudzo chakanaka nokuti unogona kuwana mitsva inenge isingawaniki mune ramangwana. Kana iwe uchifunga kuti zvikwereti zvinowedzera kuwedzera, iwe unogona kusarudza kushandiswa kwemakore matatu nokuti ichasunungura mari yako nokukurumidza kuti uwanezve chimwe chinhu.
Mukana mukuru unobhadhara paunosvika pakusvibiswa kune chokuita nemukana wekuti iwe ungasuwa hutsva hwakanaka kwazvo nokuti haugoni kuwana maoko ako pamari yako. Vamwe vatengesi nemakambani, akadai saWarren Buffett pamwe nekambani yake yeBerkshire Hathaway, vanozivikanwa nekuchengetedza mari yakawandisa yemari kuti vashandise mikana nokukurumidza. Kubva munaAugust 2016, Berkshire Hathaway yakanga inodarika $ 72 mabhiriyoni mumari yemari pane bhadharo! Kana nyika ikaparadzaniswa, inogona kukwanisa kutora machechi nokukurumidza kutenga zvinhu zvakashata. Icho chigadziro chaunoona kakawanda pakati pevatengi vanokosha .
2. Enzanisa Mutengo Wakawanda Wokutsvaga Mari Yako Nokushandisa Mari
Pakupedzisira, mari inobatsira zvingakuitira iwe. Kana iwe usingaisi mari yezvinhu kana zvemashumiro, kana kuti ugozvipa kune rudo runogona kuita kudaro, hazvina maturo. Icho chinosiya mubvunzo unonakidza: Inguva ipi yekushandisa mari, pane kuisa iyo kushanda muzvinhu zvinounza zvikwereti, chido, kana mari ?
Uyu mubvunzo wakanyanyisa wega wega unogona kupindurwa nemutengesi wemugovera wako , mubhengi, vabereki, shamwari, vana, kana vanoshanda navo. Icho chinouya pane izvo iwe unokoshesa. Ungada here kuva nemotokari itsva kana mari?
Ungada here kuva nemaketeni emaketeni kana kutarisa kwaDamond? Ungada here kupa mari yakawanda kune rudo kana kubatsira vana vako mukoroji? Uyu mubvunzo wehutsika, uye hapana mumwe munhu anogona kutsanangura maitiro ako kwauri.
Iyi ndiyo nzira yekuziva nezvezvisarudzo zvako; yekuita kuti urege kupa zvipi zvaunoda chaizvo izvo zvaunoda ikozvino . Hazvisi zvishoma kumari yako kana peketbook - mudzidzi wezvokurapa anofanirwa kusarudza kana achida kupemberera kana kudzidza, kubvisa kubatsirwa kwemazuva ano nokuda kwemazuva anotevera anonyatsoda.
3. Tarisa mukana weNhanho yeApriest Allocation yako
Chikamu chimwe nechimwe chezvinhu zvakasarudzwa mumari yako yekugoverwa ine mukana wekuwana mari. Nhoroondo yekare, kuisa mari mumatokari kwakagadzira kudzoka kwepamusoro kudarika kuisa mari muzvisungo asi mari inoshandiswa ndeyekuwedzera kwechisimba kutengesa kwenhamo.
Zvikwereti, kune rumwe rutivi, zvinowanzove zvakanyatsogadzikana mumusika wezuva nezuva asi mukana wekutengesa ndiyo ngozi yokuti kuwedzera kwenyika inokwira, zvichiita kuti zvikwereti zvako zvirasikirwe simba rekushandisa rekushandisa. Hazvinei kuti chii chaunoita, hakuna "yakakwana" kukohwa; zvinhu zvose zvine bhizimusi, kunyange pasi pemari yako yaunosarudza; Apple vs. Microsoft, Google vs. Yahoo, McDonald's vs. Wendy's, Johnson & Johnson vs. Pfizer