Heino nzira yekuita nayo zvakanaka apo huwandu hwekutsvaga kwekuita nyaya nhau dzakaipa.
Uye kune varairi vese, izvo zvinoreva kuti mazwi ekufunga anokwidzwa mugungwa re cacophony rinosanganisira (kufema kwakadzika): cable TV, YouTube, mawebsite yekunze, mawebsite ekunze, blogs, magazini epaIndaneti, podcasts, mabhuku emashoko, nhau dzekudhura zvidhori ... uye hamsters kutamba.
Zvakanaka, saka hamst inotamba haina chokuita nehomwe. Havasi kunyange vakanaka zvakare. Asi kumwe kuchema, kuzvidzora kwekutsvaga kwekutsvaga gurus kwakanga kusati kwakanaka kutanga kutanga. Mhedzisiro vamwe vamwe vanogona kuziva zvakawanda pamusoro pekugadzirisa chikwereti seburrowing rodent. Ndiani anovadzinga kunze kwemakamuri avo?
"Kune ruzivo rwakawanda, zviri nyore kuzvidya mwoyo ndokuzoita chimwe chezvikanganiso zviviri," anodaro Brian Barnes, nheyo uye mukuru weM1 Finance, mubhadharo wepaInternet broker muChicago. "Chikanganiso chekutanga ndechokuti usaita chinhu uye usingaiti mari, uchida iwe unoda kuva wakakwana usati watanga. Chikanganiso chechipiri chiri kutora matanho pane zvese zvemashoko-kutengesa mukati nekunze zvichienderana nenyaya, kutengesa mutengo, nekutengesa zvekudya. "
Chimwe chinhu chinoitika apo nyaya dzisingatauri dzinoti tsunami inowedzera vatengesi. "Kusarudza zviwanikwa zvinowedzera kushaya manzwiro uye kusava nehanya uye mubhizimisi, nekutsvaga, kutsvaga uye kutevera zvinyorwa zvinotsigira zvisarudzo zvakasarudzwa kusarudzwa," anodaro Albert Goldson, mutungamiriri mukuru weIndo-Brazilian Associates LLC, musangano wezano wepasi rose uri muNew York.
"Ndiyo muswe unodzingirira imbwa panzvimbo yevatengi vanoita zvisarudzo zvinonzwisisika."
Ndeupi mudyari muvhiringidzika kuti aite, ikozvino, mune remakore-ruzivo-kutakurwa nguva iyo shanje inofadza inoratidzika seyakaita pakati pepakati? Heano mabhii mashanu emapenzi mazano emakethe emakambani anopa seanorwisa kunzwika nekurira uye sopu opera scandal.
1. Usarega Kutya
"Vashandi vanotengesa zvinotyisa dzimwe nguva vanoita zvisarudzo zvakaipa nokuti vanoita kuti manzwiro avo asvike munzira," anodaro Bill Keen, nheyo uye mukuru weKeen Wealth Advisors muWorld Park, Kansas. "Imwe nzira yekukunda dambudziko rekunzwa ndeyekunzwisisa zviri nani mararamiro ehupfumi nemari yemari."
Saka zvibvunze kuti: Kana zvikwereti zvinokwira mumwedzi mishomanana inotevera, hazvizovi nguva yokutanga, chaiko?
"Sezvo kutaura kwekare kunoti, 'Misika yaita basa rakakura kufanotaura zvipfumbamwe kubva pamakore mashanu ekupedzisira," Keen anoti, "Usatsauswa nekutya musoro wezuva racho. Panzvimbo pezvo, kurongeka kuratidzika zvakadzama mumanhamba ehupfumi kunzwisisa maitiro uye kunzwisisa zviri nani zviri kuitika chaizvo. "
2. Sarudza uye Ubatanidze Kune Nhau Dzakasimba Mhepo
Kana nhari-nhau nhau vashanduri vanoita kuti kurarama kwavo kuparadzanise nyaya dzinokosha kubva kune vashoma, ndiani angati iwe haugoni kuita chimwe chinhu chakafanana neyevatengi vemashoko uye mutengesi?
Kumbira vashandi vezvemari kwavanoenda uye iwe uchanzwa mhinduro dzakadai seyakapiwa naDrew Horter, mutungamiri uye mukuru mukuru wekutsvaga mari kuHorter Investment Management, yakabva kuCincinnati.
"Mienzaniso yezvinhu zvatinoda zvinosanganisira Morningstar uye dshort.com," Horter anoti.
"Tinokurudzira kuti vatengi vanoenda kune zvakawanda zvakasununguka zvigaro zvavanogona kuitira kuti vasashamwaridzana."
"Zvakakosha kuvaka nheyo yako yepamusoro uye ruzivo rwehutano sezvo iwe uchisarudza kuenda mberi kwezvakakosha," Barnes anopa zano. "Nyaya ipi neipi kana nhau inokudzidzisa chimwe chinhu ichawedzera maitiro ako ekutsvaga mikana pavanomuka."
3. Tarisa Maitiro Makuru
Nhau dzepepanhau zvisingamboiti kana ikambobatanidza, uye vatori venhau uye pundits vanowanzodzingirira tsananguro inotevera inonzi ambulance inofamba pasi paWall Street. "Tinobvumirana ne" 'theory' yokutsvaga mari, "David Edwards, purezidhendi weHeron Financial Group muNew York" Mazana ematare akaparadzirwa pahosi yako haasikoshi; 30,000 pamusoro pemadziro inoita mifananidzo yakanaka (uye inokosha). "Zuva-kwamashoko nhau dzakangofanana nematombo aya."
Horter inowedzera kuti maonero anokosha, zvakare.
Iwe unogona kuva misika yemusika junkie uye kubudirira-kana iwe uchitora chikamu chemudzidzi. Inobatsira kupa mutsara wakanaka wezvose zvaunowana uye kana mibvunzo ikamuka, unogona kugara uchibvunza "mudzidzisi."
"Kana uine ruzivo rwakawanda, mibvunzo inonyanya kukosha iwe uchakwanisa kukumbira mubatsiri wako," Horter anoti. "Maawa makumi maviri nemasere ekutaurirana anobatsira pakuti anobatsira vatyairi kuwana ruzivo."
Kunyange zvakadaro, imwe nzvimbo iyo inonzwisisika imwe miniti inogona kufamba yakakwana-inofungidzira sensationalist inotevera.
"Mamwe magwaro ehurukuro achave nekukurukurirana kwakanyanya kana zvinyorwa zvakanyorwa, asi zvino tevera izvozvo nekukurukurirana nemumwe munhu ari kufanotaura nezvekuparadzwa kwekupedzisira uye chiitiko chakaoma," anodaro Tony D'Amico, CEO uye mutungamiri wezano neThe Fidato Group kuStongsville, Ohio. "Kukanganisa mharidzo yemashoko kune avo vanopa chokwadi kana uchapupu-hwakataurirwa nenyaya dzakawanda uye kuvimbika kwepfungwa kuchabatsira zvikuru."
4. Funga nezveNhoroondo, Kwete Hunyengeri
Vhidhiyo, inowanzotaurwa, inonyora rugwaro rwekutanga rwenhoroondo. Asi vazhinji vakawanda vanotanga kuverenga vanoda kudzokorora, uye chii chinoita kuti zuva rimwe rinotyisa rinowanzotanga kuitika munguva yakavimbika. Uye zvino inomuka ku Wall Street kunetseka: Kudzidza nyaya dzekare zvinogona kukuudza zvose zvaunoda kuziva pamusoro pekuti zvinyorwa zvezuva ranhasi zvichatamba sei.
Pasina mubvunzo, hurukuro huru yemavhidhiyo mumabhengi mumwedzi wapfuura yave iri Wells Fargo iri kutengesa kudengesa. Kutaurirana pamberi peCongress yakabudisa zvinyorwa zvisiri izvo, kunyanya apo Sen. Elizabeth Warren (D-Mass.) Akaudza mutungamiri mukuru weJohn John Stumpf kuti aifanira "kudzorera nickel yose yawakaita munguva yezvakaipa."
Mutungamiri wemitambo wakakwirazve kuupenyu zvakare apo Stumpf akasarudza kuva mutungamiri weMutungamiri weMutungamiri naOctober paGumiguru 12. Asi kuburikidza nezvose izvi, vashandi vekutsvaga vanoshaya chii chingava nyaya chaiyo yenguva refu? Parizvino, kukoshesa muWestern Fargo (WFC) kunotengesa chete kunyara kwe $ 45; gore rakapfuura, iro $ 55. Kutaura chokwadi, iyo inodonha inopinza yepedyo kusvika 20 kubva muzana, kunyange apo Wells anotarisana nehurumende kuongororwa mune mwedzi inouya. Asi yakachenesa imba nekutumidza zita rokuti Timothy Sloan, guru reBusiness Operating Officer, seMutungamiri weMDC.
Zvakapfuura, Wells Fargo ichiri imwe yebhandi dzinokosha zvikuru munyika, ine kemusi yemari ye $ 222.75 biliyoni. Saka mikana iri Wells Fargo haisi kuenda-uye izvo chaizvoizvo, zvigadzirwa zvayo zvinogona kuva zvakanaka pane ikozvino.
Hapana anoziva zvakawanda pamusoro pemakwikwi akadai kupfuura Buffett, uyo muna 2001 akaudza Fortune magazini achiti: "Apo vanofambisa vanoenda mumutengo, tinoimba 'Hallelujah Chorus' muimba yeBuffett." Iwe unenge uri kuimba iyo, zvakare, d vakatenga chikwata muCitibank (C) ye 97 cents inowanikwa munaEpril 2009, pamucheto wekutengesa mari. Pasi pemakore gumi mushure mekuparadzwa kwemashizha nehuwandu hwemazuva ano, Citibank ikozvino inotengesa mari inosvika madhora makumi mashanu nemakumi mashanu nehafu: kubva kumusi wekupedzisira we $ 55.87, asiwo kusvika 975 kubva mugore ra2011.
5. Usati Wawa Kwemhedziso Yenguva Yfupi
Ngatitaurirei mabhiriyoniire Warren Buffett anobata uropi hwakaipa humwe humwe hwaavo Dairy Queens kubva mukudya Blizzard nekukurumidza. Kutarisa kwake kushanyira kuE ER kwaizodzorerwazve pamusoro peawa, awa imwe neimwe, pane imwe chete yefabheti inobudiswa nhau iripo. Uye nei kwete? Warren Buffett! Emergency room! Billionaire! Nguva yekucherechedza iyo hurukuro yekudhinda.
Asi kana Buffett aifanira kutonga dare pamusoro pekukosha kwekutsvaga mari - firipi yepamusoro yakaita kuti ave mabhiriyoniire panzvimbo yekutanga - zviri nyore kufungidzira kugoverwa kunobatwa nekunaka kwekufema kwekufema kwepundit kwekuwedzerwa kwechikwereti chekukwira.
Izvi zvinotsanangura kuti nei John Blood, CEO uye mukuru mukuru wekutsvaga mari yeEfficicient Advisors muPhiladelphia, ane matanho maviri emakambani emabhizimisi emabhizimisi munhau dzinofanirwa kutarisa: "ESPN kana The Food Network."
Mune mamwe mazwi, kutarisa zvakajeka kweWall Street sopera opera "inoita kuti varimi vatarise zvinhu zvinonyanya kukosha," anodaro Ropa. "Maitiro ekutsvaga mari anofanira kutarisirwa kune nguva refu. Sezvo mumwe wevatungamiri vangu vari mumabhizimusi vakanyura, 'Kuita mari kune imwe saga sese ... kana iwe uchiwedzera kuitora, zvishoma iwe unopedzisira uine.' "
Kushamwaridzana: Kana Vateereri Vanova Vanyengeri, Iri Ngozi Iri Mberi
Kune runyararo pakati pevaya vanozviisa mumabvi-kugadzirisa kugadzirisa kumusoro wehurukuro nhau: Kusvikira pavanopedzisira vaenda kune rima, ivo vanowanzozvigadzira ivo pachavo.
"Vaongorori havafariri kwenguva refu," anodaro Robert R. Johnson, purezidhendi uye CEO weAmerican College of Financial Services, iri munzvimbo yePhiladelphia. "Vanoda kuwana purogiramu nokukurumidza, kazhinji vachitora nzvimbo kune imwe nguva kubva pamaminetsi mashoma kusvika kumwedzi - asi kwete kwenguva refu."
Kana pasina chimwe chinhu, zvinyorwa zvinokonzerwa nemakemikari zvinyorwa zvinotora nguva. "Vatengesi vanotora nzvimbo dzekugara kwenguva yakareba - vachiziva kuti havagoni kunyatsofanotaura nguva dzenguva shoma dzemisika. Ndizvo zvandinotenda kuti vazhinji vanoita zvekurima mari vanofananidza kufungidzira nekuisa mari."
Uye saka, inotapira kune imwe nyaya yekare: Benzi uye mari yake inokurumidza kuparadzana.
"Vaongorori vanotenda," anodaro Johnson, "kuti kuchinja nokukurumidza kubva kune imwe yezvikwereti kune imwe ndeye nzira yakachenjera, apo, chaizvoizvo, iyo mhuka yebenzi."