5 Zvinhu Zvaunoda Kuita Kana Iwe Unoda Kuve Wakakosha

Hazvakaoma Kuvaka Pfuma

Chimwe chechidzidzo cheupenyu-chinoshandura chandakave ndadzidza pamusoro pekutsvaga mari mumatanda uye mumusika wekutengesa wakauya apo ndaiva mudiki. Ndakanga ndichiverenga shanduro ye1939 (4th edition) yeThe Intelligent Investor naBenjamin Graham muzvigaro zvitsvuku zvekugadzirisa paLa Guardia Airport, vachimirira kutora imba yekuenda kuKansas City kubva kuchikoro kuti vanoshanyira mhuri yangu panguva yekuonga.

Nhasi, kopi imwechete inogara yakasimbiswa muhofisi yangu, nemakanyorwa akanyorwa pamusoro peChitsauko 8, umo Graham anoti: "Nokudaro muzvikwereti anobvumira kuiswa pamusana kana kunyanya kunetseka nemakambani asina kukodzera anorega mukutora kwake kunoshandura zvakashata mararamiro ake makuru mu chinhu chisingabatsiri.

Munhu iyeye angave ari nani kana zvikwata zvake zvaisava nemashoko ekutengesa zvachose, nokuti iye aizobva asisina kurwadziwa kwepfungwa kwakamukonzera nezvimwe zvikanganiso zvevanhu zvekutonga. "

Kuisa mari mumatoro Kufanana Nokuva neBhizimisi Rokuzvipira - Vatyairi Vokubudirira Ndivo Vakafanana

Kunyange zvazvo yaiva nguva refu yapfuura, yakanga iri panguva iyo "ndakaiwana". Kana ini ndaiva ne 25 muzana yemunharaunda yekwa ice cream, chirongwa changu hachizove chekuita mari kuburikidza nekutenga kana kutengesa umudziri kubva kune vamwe vanoita zvekutengesa, kushandisa ruzivo rwekusaziva kwavo, makaro, kana kutya. Pane kudaro, zano rangu raizova rakasimba. Ndinoda kutenga mari nekuita mari kubva ku ice cream sales, kuzarura nzvimbo itsva, nekurima zvikwereti kumashure kwebhizimisi yekuwedzera. Kana tisingagoni kuwana mari yakanaka , mari yacho yaizogoverwa nenzira yezvikamu kuitira kuti ndiwane chimwe chinhu chingaita nemari. Misika yemabhiza haisi yakasiyana.

Nhengo yega yega yekutengesa haisi yakasiyana nekushamwaridzana kwehutano huri pamwe chete kana kukwaniswa kwekambani yehutano hwekambani .

Basa rangu raive kutora mari yandakawana muupenyu hwangu hwezuva nezuva uye ndishandise kuti ndiwane wega mavara echi ice cream parlors. Ndaida mabhizimisi makuru aibhadharwa nepamusoro-soro, aine chikwereti chiduku, simba rekushandisa kudzivirira kusagadzirisa , uye simba rakanyanya kuti riite shuwarensi pamusoro pekuchengetedzwa kwekuchengetedzwa kwepasi, iyo inouya nguva nenguva.

Ndinongogara ndichinyora cheki uye ndaiisa mubhuku rangu rekutengeserana, ndichizvitenga muridzi muzvinhu zvose kubva kuvashandi veti sealant kumakambani ekupfekedzwa kwevechiri kuyaruka, regional estate uye kuurayiwa kwehutano inshuwarisi kune zvikamu zvezvitoro zvemoto. Izvo zvikamu zvaizouya, kuwedzerwa kune mari itsva yandakaisa, uye kushandiswa kutenga huwandu huzhinji mumashamba akaonekwa akaisvonaka.

Paiva nemamwe mafaro makuru ekubudirira munzira, asi handina kumbobvira ndakatengesa chero chinhu. Mafirosofi maive, kana ndaifanira kutengesa, ndakakanganisa pakutanga. Mabhizimisi makuru haawanzochinja. Izvo zvinogona kuitika - kungotarisa izvo zvakazoitika Kmart neSears munyika yeWal-Mart neTarget - asi inowanzoitika kwenguva refu, nguva pamberi pako. Ndaifarira pfungwa yokuti, rimwe zuva, zvikamu zvegore negore zveimwe nzvimbo dzangu dzekutsvaga zvingadai zvisingapfuuri mari yezvikamu zvepakutanga zvikamu.

Ndakaponesa, uye ndakawana, kutarisa mambure angu akakodzera kukura. Kunyange Kubwinya Kwekukurumidza kupera, izvo zvakakonzera kutengesa mutengo kuwira 53.9 kubva kubva kumusoro kusvika kuchitsime kubva paOctober 9, 2007, kusvikira munaMarch 9, 2009, chakanga chisina chinhu kunze kwemukana wekutenga mamwe emakambani andakaida nekuwedzera pamba pega mabhizimisi andinotarisira.

Somugumisiro, mambure angu anokosha uye mari inowanikwa yakakwirira kupfuura yaive makore mashanu akapfuura.

Vasina ruzivo Investors Vanotengesa Zvinhu Zvipi Zvingaita Kuti Vave Vakapfuma

Pachiratidzo chekutanga chekutambudzika, vanhu vazhinji vanozvitengesa zvinhu izvo zvinokanda mari uye mari yekusarudzira ivo. Zvakafanana nemurimi achibuda uye achibvarura mbeu yaakadyara kwemavhiki mashomanana. Iwe haugone kuwana pfuma uchiita izvozvo. Zvadaro, vanhu ava chete, pachiratidzo chokutanga chekubudirira, vanoshandisa mari yavo kutenga zvigaro zvinorasikirwa nehutano. Vachakweretesa mari kuti vatenge Ford $ 30,000, vachiwedzera $ 7,000 muzvikwereti zvepamusoro pamusoro payo, asi havana kumbobvira vatenga kutenga $ 7,000 yemotokari, panzvimbo payo, kubhadhara mari , uye kushandisa $ 30,000 kutenga mikana yepamusoro yakagadzirwa nebhuruu chip stock like Royal Dutch Shell, iyo inogona kukanda mari inopfuura $ 1,410 mumari mugore rokutanga.

Ndiani ane hanya nematengo ematengo anoita kubva pamwedzi-kusvika-mwedzi kana kunyange gore negore? Iwe zvino une $ 352.50 yakawedzerwa kwauri mumari kwemwedzi mitatu, uye mukana wakaisvonaka wekuti chikwata chichikwira mumakore akawanda.

Iwe haufaniri kuita izvozvo kakawanda muupenyu kuti uite mutsauko. Funga pamusoro pezvatakurukura mangwanani ano patakatarisa kuti $ 100 000 inotengeswa muWal-Mart Stores makore gumi apfuura, zvikwereti zvadzorerwa zvakare, zvino inoputira mari inokwana mari 12,696.92 pagore, kana $ 3 174.23 mwedzi mitatu. Kana Wal-Mart achidzokorora kushanda ikoko, uye mutengesi wedu wezvinyorwa anoenderera kubata kwemazana gumi achirima zvikwereti kudzokera kuDDRIP kana kuti purogiramu yakatengwa yekuzvitengera , mathemati inoratidza kuti iye achange ari kuunganidza madhora 51 252 + mumalikero yemari pagore, kana $ 12,815 mwedzi mitatu ipi neipi. Chimwe chisarudzo chakaitwa makore makumi maviri epfuura chingava nemigumisiro yakawanda, yekusingaperi yekunaka. Handina basa kuti uri mupfumi, $ 51 258 mune mari yakawedzerwa inouya kamwe chete gore roga roga mari chaiye, kunyange iwe uchida kupa zvose kune rudo.

Tarisiro yekuwana Rich

Kana uchida kubvisa pfuma, pane zvinhu zvishanu zvaunofanira kuita:

  1. Uya nemari yakawanda kupfuura iwe waunopedza, uchisiye zvakasara. Pane mhando mbiri chete dzaunokwanisa kuvhomora kuti uite izvi.
  2. Ita izvi zvakasara mune imwe mhando yemutero-yakakosha sangano, nhoroondo, hurongwa, kana sangano
  3. Isa iyo yakawanda kukushandira iwe sezvaunoda mushandi, udzivirire njodzi isingakoshi uye uwane kudzoka kunodarika mitero uye kutengesa kwepamusoro nemuganhu wakasununguka.
  4. Wedzera kune aya mari gore negore nekuisa mari itsva yekusara uye kudzorerazve mari yakagadzirwa nekutora kwako
  5. Shamba, simesa uye dzokorora kwemakumi emakumi emakore

Hapana mashiripiti kune imwe nzira kunze kwechishamiso che geometric compounding. Izvo zvine simba zvokuti kupfuura makore makumi mashanu, iwe unogona kunge uine 9 kubva pane gumi inotanga masimba ekurasikirwa unoparadzwa munzira uye uchiri kubvisa mari yakawanda kupfuura iwe ungadai wakambove wakadaro. Vashoma vanoita zvekurima vatengi vanonakidzwa nekudzoka uku, kunyange zvakadaro, nokuti vanoramba vachitenga uye vachitengesa, vachiedza kuita mari nekunyengera uye kushandisa zvoupenzi hwevamwe, pane kuunganidza mugove wavo wemari inowanikwa mumabhizimisi avo.