1. Mari Yakaitengesa Nguva Yako
Iyi ndiyo mhedzisiro yemari inowanikwa kuti mapakati nepakati akadzidza anoona zvakakosha zvikuru.
Ndiyo mari yaunowana yekutengesa nguva yako kumushandi. Inowanzomirirwa sehomwe kana mubhadharo. Iwe kazhinji unonzwa vabereki vane vavariro yakanaka vachitaurira vana vavo kuti vawane "basa rakanaka", zvichida rimwe "rine zvigaro".
Mutengo wawakagamuchira wenguva yako unobva pakuti unowanikwa sei uye unoda kuti unyanzvi hwako huve kuvanhu. Chiremba wechiremba ane chipo, somuenzaniso, anogona kutengesa mamiriyoni emadhora pagore nekuti pane zvisiri nyore varume vakawanda kana vakadzi vanogona kuita basa. Mumwe munhu anosundira motokari pamutengesi asina kukwana anowana zvishoma nokuti haasi akadaro zvakakosha somunhu, asi nokuti chero munhu wose ane hutano hwakanaka anogona kukwira motokari, zvichiita kuti vakawanda vashandi vashandise kuderedza mubayiro.
Kuti uwane mari yakawanda, unofanirwa Kuzvipira iwe pachako nekuvandudza mutengo waunogona kutenga, kushanda maawa akawanda, kana kusanganiswa kwemaviri. Iko rudzi rwekuwana mari ndiyo inonyanya kuipa yehupenyu hwekuwana hupenyu nokuti iwe unongoudza mari apo uri kushanda nesimba.
Murengeti ane nyanzvi anogona kuwana mamiriyoni emadhora pagore, asi haagoni kuramba achirarama nemari yepamutemo kana asiri kushanda. Izvozvo zvingava zvakanaka kana iwe uchida basa rako, asi kune vanhu vakawanda, kune zvimwe zvinhu zvavanoda kunge vari kuita.
2. Mari Inowanikwa Pamari Pamutemo
Mhando iyi yemari inobva kune mari inokwereta inokubhadhara iwe "kubvarura" yako huru (iyo izwi guru rinoreva mari yawakagadzirira kune zvinangwa zvekutsvaga; iwe unonzwa ichishandiswa zvakanyanya paWall Street ).
Apo iwe unotenga chikwata chekuisa pabhangi, somuenzaniso, uri kukweretesa mari kubhangi mukuchinjana nehuwandu hwekudzoka kwakatemwa, kazhinji huri huwandu huwandu hwepakati pegore. Bhengi inotora mari iyo "inotora" kubva kwauri uye inokweretesa kune imwe yepamusoro, ichigadzirisa mutsauko. (Kune avo vese vanoda kuziva, ichi ndicho chikonzero chibereko chekuvhara chakakosha zvikuru) Ndihwo ukama huri pakati penguva pfupi uye kwenguva refu. gwaro rekuisa kana kuti mari yaunayo navo.)
Muenzaniso wekufarira mari: Ambuya vangu vanobhadhara mari kune avo vanoda kutenga imba asi vane vane chikwereti chakaipa uye havagoni kuwana mari yekubhadhara kuburikidza nemitambo yemagariro. Vanotenga pfuma uye anovapa chikwereti mari yekubhadhara kutenga, kutengesa 13 muzana inofarira. Kune chikwereti cha $ 150,000 chikwereti, achabhadharwa $ 19 500 pagore muzvikamu zvekuwana mari, kana $ 1,625 pamwedzi. Mukati, mari yake iri kubuda uye kumushandira.
Kuti unzwisise kuti vatengi vanoita sei mari kubva kune chikwereti mari kuburikidza nokutenga zvisungo, tora nguva shomanana yekuverenga Bonds 101 .
3. Kugoverwa Kubhadhara Kubva Kubatsiro Kwemabhizimisi Akapiwa
Izvi zvinomiririra mugove wako wezvibereko zvekambani yawakatenga kutenga iwe.
Kana iwe uine 50 muzana yemirasi yemuonade uye kambani iyi yaitengesa $ 1 000 nemari ye $ 500, uye $ 500 muchiri kubhadhara, chikamu chako chezvikwereti icho chaizova $ 250 (nokuti iwe uri wega 50 muzana yezvikamu unokodzera kugamuchira 50 chikamu chemari). Mari iyo inobhadharwa kwauri se "kutemwa" kwako kwekuwana. Kuve nekutsvaga kwakanaka kune imwe iyo iyo kambani inowana gore negore gore, zvichiwedzera mari yekutumirwa kwauri nguva dzose.
Kungofanana nemari inowanikwa mubereko, chinangwa chekugoverana mari ndeyekuti mari yako iri kuenda nekushandira iwe. Kune dzimwe mhando dzebasa, zvisinei, izvo zvinogona kuiswa mune izvi. Mumwe mutengesi anowana mari pamitemo inoramba ichidzoka nebasa shoma kana risina basa, chaizvoizvo, ari kuita bhizinesi. Saizvozvowo, murume, uyo anyoresa chibvumirano chitsva uye anowana mvumo pairi kana munyori wenziyo anowana mari apo nyeredzi yekurekodha inosarudza rwiyo rwake rwechimwe chinhu chitsva.
Vari kuunza zvikwereti kubva ku "kutengesa" kwechirevo chepfungwa yavo kana pfuma yavo, zvichiita kuti irege kusiyane neWal-Mart kana Target kutengesa kushamba kwemvura.
Muenzaniso wekuparadzanisa mari: Amai vangu vanewo dzimwe nzvimbo dzekuvakira. Anotenga zvivako zvekutengesa ndokupa varimi mari kuti vagare mudzimba dzavo. Muzviitiko izvi, bhizinesi rake rekurenda iri kuunza purozi yakaenzana nenhare yakakwana inogamuchira zvishomanana chero mari ipi zvayo, sekuchengetedza nekuvandudzwa kwezvinhu. Pakupera kwegore apo paanotora mari kunze kwebhizimisi, zvipo izvi zvinomirira chikamu chemari.
Kuti uwane kunzwisisa kwakanyanya kwezvikamu, verenga Zvose Nezvakagoverwa . Ichazojekesa chaizvoizvo zvinhu zvose zvaungambofanira kuziva pamusoro pezvikamu, izvo zvavari, mavariro ayo, uye zvakawanda, zvakawanda.
4. Kuwana Zvikamu Zvikamu
Iko rudzi rwemari inokonzerwa kana iwe uchitenga mari yekutsvaga kana yefa yemutengo umwe uye uchiitengesa kune imwe, mutengo wakakwirira, uchiita purofiti. Kudzokera kumuenzaniso wedu weimiti yemononade, kana iwe wakatenga chikamu chako che50 muzana rebhizimisi ye $ 2,000 uye wakatengesa iyo $ 5,000, mutengo we $ 3,000 unogona kureva mari yako inowanikwa.
Hazvibatsiri kana uri kutaura pamusoro pemadzimba, mapeji asingawanzodi, madhaimani, mapeji emvura, mabhizimusi, fenicha, mari yeCanada Gold Maple Leaf , mashizha , zvisungo , mutengo wemari pamwe chete , kana kuti isina kuvhara mintariro iyo Barbie dolls, kana iwe uchiitenga pane imwe mutengo uye uchitengesa kune imwe, iyo purogiramu inoguma inozivikanwa semari inowanikwa (kana iwe wakarasikirwa nemari pamutengo, inozivikanwa sekurasikirwa kukuru). Mumakore achangobva kupfuura, vazhinji veAmerica vakawana mararamiro avo ehupenyu anonyatsoputika munguva yeimba yekudzimba nekuti hupfumi hunobva mumisha yavo vachiziva kubudirira kwaiva chekuwana mari yavanofunga kuti yaizoenderera nekusingaperi.
Kudzokera kuna mbuya vangu, dai vaizotengesa imwe yeimba dzekuvakira dzaakatenga madhora makumi masere nemakumi matatu nemadhora kune mumwe mutengi aida kubhadhara $ 120,000, zvino mutengo we $ 40,000 unomiririra kubatsirwa kwaakawana.
Kubatsirwa Kushandisa Zvose 4 Mhando dzeMari muPodfolio yako
Sezvo nhoroondo yako (izwi rinoshandiswa kurondedzera zvinhu zvose zvauri iwe) rinokura, iwe uchawana iwe uchiwana mhando dzose dzezvikamu zvekutsvaga mari. Mune imwe nyaya yakanyanyisa inonzi How To Use the Berkshire Hathaway Model muUpenyu Hwako Hwe , ndinotsanangura kuti chakavanzika chechokwadi chekusununguka kwemari ndekushanda zvakaoma kuvaka sangano re "cash generator" rinounza huwandu hwakawanda hwezvikamu zvitatu zvekupedzisira yekusimwa mari - chikwereti, chikamu, uye mari inowanikwa.
Zvikonzero zviverengeka uye zvinosanganisira:
- Mari yakatengesa nguva yako (mubhadharo uye mubhadharo) inowanzoteredzwa pamatunhu akakwirira kupfuura mamwe emhando yemari inowanikwa sezvakakurukurwa zvakanyanya muWorld Big Investment Enemy - Payroll Tax uye Zvose Zvakawanikwa Hazvisi Zvakafanana . Ichokwadi, kana iwe unogona kuita $ 5,000 mugoveri wemari , iwe unogona kubhadhara $ 750 chete mumitero, asi kana iwe uri wepombi pachake wakashanda uye wakabuda ndokuwana $ 5,000 kuburikidza nebasa rakaoma, mushure mekubhadhara mitero, Federal federal, State mitero, uye mamwe mhaka, iwe ungangopedza kubhadhara mari inopfuura $ 2,000.
- Pane maawa 24 chete pazuva. Nokudaro, unogona kungoshanda maawa akawanda. Pane imwe nguva, inova yenyama isingakwanisi kutengesa nguva yako yakawanda nokuti, zvakanaka, iwe wakabuda nguva! Iwe unogona nguva dzose kuwedzera chiyero chaunowana kuburikidza nekuvandudza unyanzvi husingawanzo hunodiwa zvakanyanya, sezvatakambokurukura. Nekufarira, chikamu, uye mari inowanikwa, kune zvese pasina mhedzisiro yekuti iwe unogona kuwana mari yakawanda sei. Kana gore roga roga, iwe unowedzera mari yako zvakare mukukura izvi, iwe unogona kuzviwana iwe uchiwana mamiriyoni emadhora gore roga roga makumi emakore mashoma kubva ikozvino.