Usanetseka Uchitsvaga Matikiti Ekutengesa Nokuti Izvo Zvinotapudza Nguva Yako
Zvichienderana nehurefu hwenguva inoratidzirwa, uye hukuru hwekugovera hunoitwa nehutungamiri, kukanganisa kunogona kunge kunoshamisa. Ngatitorei nguva kuti tiwedzere pane pfungwa yekukubatsira kunzwisisa zvikonzero izvi zvinoshamisa zviripo. Iwe hauzombofi wakaedzwa kuti ukwerere chati yemusika wekambani zvakare nokuti iwe unozoona nzira yavanoratidzwa inovaita zvishoma kudarika zvinyorwa.
Chokutanga, ngatitangei nemuenzaniso wakawandisa wandakawanzoshandisa. Fungidzira iwe wakatenga zvigaro zveEastman Kodak makore anenge 25 zvisati zvatemerwa kubhadhara. Panguva iyoyo, yakanga iri imwe yepamusoro-soro bhinzi yebhuruse muzvikwata zvenyika. Nekudengenyeka kwezvino kuzivikanwa kwemufananidzo mukuru, uye mutengo wekugoverwa unoenda ku $ 0 nokuda kwezvinangwa zvose uye zvinangwa, chati yechato chekutsvaga inogona kupa pfungwa dzisina kururama dzokuti wakarasikirwa nemari. Kwete! Kunyange zvazvo zvisingafadzi, muridzi wekugara kwenguva refu akapedzisira aine kudzoka kwe 425% + mumakore pasinei nokuti chigadzirwa chacho chichidzimwa pakupedzisira, kutendesa $ 100,000 kushambadzirwa mune zvinopfuura $ 425,000.
Migumisiro yakaita seyi inogoneka kwezvikonzero zvishanu.
Kazhinji maratiro emusika ematengesi haarati anoratidza zvikamu uye zvimwe zvipo
Pakupedzisira, zvose kunze kwemaoko mashoma emabhizimisi akabudirira anobhadhara chikamu chemari yavo nenzira yeshandisi yemari, zvichida kukutumirai cheki kana kutarisa mari yacho muchikwata chako chekutengeserana kana kambani yebhangi yakabatana.
Mabhizimisi akanaka anokwanisa kuwedzera mari yekuwana zvakakurumidza kudarika muyero wekuwedzera , zvichiita kuti kukurumidza kugoverana kuwedzere . Mugove wekugoverwa pamusana pematokari ose ari kubva pa1% kusvika ku6% panguva ino, pamwe nekugadzirisa chinokonzerwa nekukurumidza kushambadzira kwekambani (kushambadzira kwebhizimisi kuwedzera nokukurumidza kwekutengesa -ku-kubhadharwa kwehuwandu , zvichiita kuti pave nekugoverwa kwezvikamu zvishoma, apo iyo inopera ndeyechokwadi).
Mune mhaka yakafanana neEastman Kodak, pamusoro pekubata kwemazana emakore ekumazana emakore, zvikamu zvakasikwa pamusika wezviyo pachazvo zvakabhadhara $ 173,958 pane $ 100,000 inotengeswa.
Kazhinji mapurisa emusika emisika haafaniri kutarisa
Chimwe chezvifaro zvakanyanya muzvikwereti achazombosangana nazvo kugamuchira zvikamu zvekusunungurwa kwemitero kusina . Izvi zvinowanzowana zvikamu kana zvikamu zvisingabhadanidzi nemishandiro ekutanga emabhizimisi, zvinoshandiswa zvakanakisisa pachavo, pasina kubvunzurudzwa kwekambani yemubereki, kana kuti inoda kugoverwa pane chimwe chikonzero, sekutonga kuongorora. Mune mamiriyoni mashomanana, kusvitsa kunogona kuenderera mberi kuve kubudirira zvikuru kudarika bhizinesi rakapikisa pakutanga.
Kudzokera kuEastman Kodak, kutanga kwema $ 100 000 kwekutsvaga kwekuita kwakabatanidzwa kune madhora 203,018 muEastman Chemical shares sezvo bhizimusi rekufambisa yakazvigura kuita zvidimbu zviviri, kutumira ikemikari boka kune varidzi sekugovera.
(Izvo zvikamu zvakasarudzwa zvakare zvakabudisa $ 47,224 muzvikamu zvavo!). Hapana chimwe chezvizvi chinoratidzira mumatare akawanda kupfuura, zvichienderana nenzira iyo inoshandiswa, puro-rata kubviswa kwezvakaitika kare panguva yekuparadzaniswa. Izvi zvinoreva kuti zvose zvinotevera zvinoshanda zvinorapwa sekunge zvisati zvaitika; nonsensical assertion.
Kune mamwe mabhizinesi, izvi zvinyararire zvinopesana nomudzidzi kushanda. Ingokumbira vashandi vePepsiCo, avo vakagamuchira izvo zvino zviri Yum! Zvikwereti, kambani yemubereki weTaco Bell, KFC, uye Pizza Hut, mumushure mutsva muma 1990. Kunyange zvazvo chikwata chemusika chingaita kuti PepsiCo ione sekunge yakavhara Coke mumakumi mashoma emakore apfuura, chikonzero muYum! kushanda post-spin-off uye mapurogiramu maviri mapurogiramu acho anenge ari pamutsipa-nemutsipa. Vhemberi Philip Morris ndeimwe muenzaniso wakanaka kwazvo wemabhuku.
Iwe ungadai wakaguma kazhinji, kazhinji kakawanda kupfuma kudarika chati yekutengesa bedzi ingaratidza kana iwe wakadzoka nenguva, wakatenga bhokisi rayo, uye wakamisa zvikamu mubhangi yebhangi. Izvo zvinoenda kune dare rekare reSears Roebuck. Kunyange zvazvo bhizimusi rekutengesa pacharo rinogona kutungamirirwa kubhadhara kunze kwekunge chimwe chinhu chichichinja, kwakave nezvakawanda zvakasununguka, uye zvakasununguka zvepin-offs, muridzi akazvitenga chikwata makore makumi maviri apfuura akarova S & P 500. Tora muto chikwata chemashizha, kunyange zvakadaro, uye iwe unofunga kuti iyo yekupedzisira yakatora yekare.
Mazhinji mapurati emisika emisika haatauri mitero, kutengesa, kana kuperesa
Mitero inokosha. Iyo chaiyo iyo inotengeswa, iyo yakabatanidzwa nguva chaiyo yakareba yenguva, ichaguma nemutengo wakasiyana-siyana wakakodzera kuchinja kwemhuri yako zvichienderana nenzvimbo yekugadzirirwa iwe unoshandiswa. Zvakanaka, iwe unosarudza kuwirirana kwemaRoth 401 (k) uye Roth IRA kana, kana zvishoma, kuronga zvinhu zvako kuti uwane ruzivo rwechikwata chekusimudzirwa kuitira kuti vagari venhaka vako vangarega kubhadhara mitero mitero yemitero yakaderedzwa. Saizvozvowo, matenga emusika ematokari haazoratidzi kukanganisa kwemutero waungagamuchira nokutengesa imwe nzvimbo panzvimbo yekurasikirwa kunodzivirira kuwanikwa kune imwe kubata, iyo ine uwandu hunokosha.
Kutengesa kwezvinhu uye kuparadzanisa zvinonyanya kushayikwa kubva pakuonekwa kwakanyanya kwekuchengetedzwa kwemabasa. Ndakazvitaura kusvikira pakupera simba asi ini ndichati, zvakare: Ndiyo simba rekutenga rinoverenga . Kune dzimwe nguva, dzakadai sokuputsika kwegore ra1929-1933, apo kuderera kwemadhora ndiko kuderera kuduku mune simba rekutenga nokuti mari yezvimwe zvose yakakoromoka, zvichiita kuti kukanganiswa kwepfuma yako kuparadzwa. Mune mamwe mazwi, kana kukosha kwepodfolio yako inowanikwa ne50% asi mutengo wezvose zvinowira ne 30%, 50%, kana 70%, hupfumi hwako hwakasiyana pane hunoratidzika pakutanga. Pakave nenguva apo kudonha kuduku mune kukosha kwema dollar yefasi iyo yakatungamirira pakuita mari mumashoko chaiwo! Kusiyana neizvi, pane dzimwe nguva panguva iyo mitengo yematengo yakasimuka asi dhora rakaderera zvakanyanya nokukurumidza, zvichiita kuti pasave nechinangwa chaicho chemugoveri. (Nenzira yakanaka, kutsvakurudza zvedzidzo pamusoro pezvizvarwa zvishomanana zvakapfuura zvakaratidza kuti kupfuura kwenguva yakareba, nguva, masangano, akagara achibudirira kugadzirisa kubhadhara kwepakati pasinei nekukwanisa kuita kwenguva pfupi.)
Mazhinji ematoro emusika emisika haatauri mari
Kana zvasvika pakukura kwemafaro emhuri yako , zvinodhura nyaya. Peni imwe neimwe yaunoraramira mumari yako ipeni iwe haufaniri kuwedzera. Kana iwe uchibhadhara mutengo wemadhora $ 500 kuti uite basa (izvi zvaisava kunze kwevanhu vasati vasvika pamberi pokusimudzirwa kwekutengesa kwekutengesa misha yekutengeserana mumba - kunyange pandaiva kuchikoro chesekondari makore masere apfuura, mabhizimusi emunharaunda emunharaunda aive nemapurisa emitemo achizvikudza sokukwirira kwakadzama $ 500 + chikamu chebhizimisi, icho chaiva chechikoro), uye iwe uri kungoita mari $ 10 000 panguva imwe chete, hausi kuzofadzwa neupfumi hwakawanda sekupedzisira semunhu ari kubhadhara madhora 8.95 kana pasi . Misiyano yaunofanirwa iwe pachayo yekuti iwe uri kunyatsogadzirisa sei mukugadzirisa zvikamu zvekugovera hazvikwanisi kuonekwa mumatsetse emusika ematengesi asi ichiri kukosha zvakanyanya.
Nhoroondo chaiye yekambani dzakawanda dzakavanzika
Fungidzira iwe waida kuita nyaya yeWendy's, chain chain. Iwe unoshamira kumucheto Dave Thomas uye unofarira kuziva kuti munhu akachengetedza sei mune yepakutanga IPO yaizofambisa nhasi. Iwe unokwidza chiratidzo chekoti yeWendy uye wotanga kuverenga, kungoziva kuti wakapedza zvachose nguva yako.
Wendy yekare yakawanikwa neAby's old, iyo yakazoshandura zita rayo. Apo izvi zvaitika, zvikwata zvose zvezvemari zvinoshandura zvinyorwa zvavo kuitira kuti pawakapinda "Wendy's", yakatora Wendy itsva - iyo kusvikira munguva ichangopfuura, yaiva Arby's! Izvo chaizvo basa reDave Thomas rakagadzirwa, rakamhanya, uye rakasimbiswa rakasara mu guru guru rezvinyorwa zvemabhuku, rinongowanikwa kune avo vanoda kuendesa zvinyorwa zvepakutanga SEC pamwe nehurumende kana kuti kubhadhara mabhizimisi ekutsvakurudza anonyanya kudhura kakawanda akaenzana nedhipatimendi rezvidzidzo kuchikoro cheLiki League. Izvi zvinogadzira mufananidzo wakatsauka zvachose wezvokwadi-nyika yakaenzana inodzoka, kufambisa chokwadi chaicho nenzira yakadzama.