Usangoparadzanisa Dhizinesi KuMari Yenyu uye Nhaka
Zvinogona kureva musiyano pakati pekufamba munguva dzenjodzi dzezvemari pasina kunze kuputsa jira kana kurasikirwa nehope humwe chete kana kuti bvudzi rako richibva kunze kwekutambudzika sezvaunoedza uye kuzviita kuburikidza nezuva, kutya kweuri kuenda kuisa zvokudya patafura.
Kuparadzanisa Mari Yako Ndeyekukosha Nokuti Jobho Nokuchengeteka Ndicho Chirevo
Apo iwe unotanga kubuda parwendo rwako kuisa mari, zvinenge zvichida kuti vazhinji, kana vasiri vose, vemari yako yemhuri, vachauya kubva pabasa renyu rekutanga. Izvi zvinoreva kuti iwe unotengesa nguva yako mukutsinhana mari. Iwe unowana mari yakawanda sei paawa inotsamira paunyanzvi hwako - iwe maawa ega ega achasiyana zvichienderana nokuti iwe uri chiremba, mushandi wekuvaka, mukoti, mutariri, kana kuti purofesa nekuda kwezvokugovera / zvido zvekuda. Iyi ndiyo mamiriro ezvinhu anogutsa zvakakwana ... pakutanga.
Haisi mamiriro ezvinhu ayo iwe unofanirwa kugutsikana kwenguva refu.
Hapana chakaipisisa pane kuvimba kune umwe kana vaviri vashandi kuti vatsigire zvinodiwa nemhuri yako. Kunyange zvazvo izvi zvinopesana nehutano hunowanikwa, hunowanzotarisa pamusoro pebasa sechinhu chinonyanya kushandiswa kwehupfumi hwehupfumi, usakanganise: Kuchengetedzeka kwehu Jobho chinhu chisingaoneki. Kutaura zvazviri, ndaizoenda kure kureva tenzi ane bhizinesi rebhizimisi ane unyanzvi hwokupinda mumisika mitsva kana kugadzirisa maitiro ake, kunze kwekuti iye ane ruzivo rwezvemari kuita sarudzo dzakachenjera, ari mumamiriro ezvinhu akaoma zvikuru kupfuura mudzidzisi wekuchikoro uyo aigona kubviswa pamusana pehupfumi hwehupfumi pasinei nekukwanisa kuwedzera kusagadzikana kwemari inoyerera.
Chikonzero chacho? Kana mudzidzisi achirasikirwa nebasa rake, hapana mari itsva inouya mumusuo wekutenga zvokudya, kubhadhara peteroli, kana kuvaka pfuma . Kana muridzi webhizimisi akakurira bhizinesi nenzira yakangwara pasina kunyanya kuvimba kune mumwe chete mutengi, mutengesi, mhizha, chikamu, kana mumusika, anofanira kugara achiwana mari yakakwana kuti awane tsika yakanaka yekurarama.
Kuparadzanisa Mari Yako Inoreva Kusiri Kufukura Kuponesa Kwako Nezvokuchengetedza Pfuma Kana Nguva Yakaoma
Kunze kweizvi, kushanda mukusiyanisa zviwanikwa zvako zvakakosha kune zvakakosha kumari yako yekushambadzira nokuti kazhinji avo avo vakambomiswa kana vakawana mari yakawanda yekubhadhara avo vanomanikidzwa kuvhara mumabhengi ekurega mari, kubhadhara kare kutora zvimhosva , kubhadhara mari nemari yemari, uye mari (kwete kutaura nezvekurasikirwa kwemakumi emakore ekugadzirisa zvinogona kuitika dai mari yako yakaramba yakachengeteka mu 401 (k) , 403 (b) , Roth IRA , Roth 401 (k), SEP-IRA, Simple IRA , Traditional IRA , kana kuti yakafanana neyokusarura mari). Inenge ichitaura kuti panguva yeKutora Kubva kwa2008-2009, mamwe mapeji anozivikanwa zvikuru paInvesting for Beginners site ane chokuita nekutambudzika kubvisa kubva kune 401 (k) nhoroondo uye nzira dzekudzivisa kutanga kutengesa mitero nemitero inobatanidza nekunyorera muIRA vasati vasara.
Iyi yakanga isiri dambudziko mumakore akare, penhesi-based American retirement retrait system ; kunyange dai iwe uine nzara, iwe haungakwanisi kupinda mukati mako mune ramangwana rebhadharo uye kuisa kubhadhara kwako pangozi, asi mazuva iwayo ari kure shure kwedu. Vazhinji veAmerica, kana zviri nani kana zvakanyanya, hazvisi kungodanidzira kunze kwekukwanisa kukwikwidza chirevo chenguruve kana dzimwe nguva dzikava dzakaoma, dzakaderera uye dzose.
Miviri miviri inonyanya kuzivikanwa inosanganisira vatori varoti uye nyeredzi nyeredzi. Pamusana pokusava nehanya kwekusiyana-siyana kwezvinhu zvavanowana kuburikidza nekushandisa hoteri yavo winnings kuunganidza hupfumi hwezvinhu, lottery vanopinda vanobhadhara pamutengo iwoyo kwete nejotori vakakunda. Vanopedza mari yavo pakuderedza zvinhu zvakadai semotokari uye varaidzo panzvimbo pezvinhu zvinokanda zvikamu, chido, uye mari .
Vatambi havasati vari nani. Kufunga kuti mari yavo yepamusoro inogara nokusingaperi kana chitima chemaira chichimira, hachina bluji chip stocks vachikanda muganhu wemari . Havana dzimba dzezvivako dzinobudisa zvikwereti kwavari. Havana zvibvumirano zvinoputira nemari inowanikwa . Somugumisiro, inofungidzirwa kuti 78 pazana 100 NFL vatambi vanowanzo mukutambudzika kwemari mukati memakore maviri ekurega. Nokuda kweNBA, chiyero chacho chikamu makumi matanhatu pazana.
Nzira dzekutsvaga mari yako
Heano maitiro mashomanana mazano ekusiyanisa mari yako:
- Dzorerai mari yako yepasitadhi
- Dhidzai mari yenyu inowanikwa nemakambani nemakambani
- Dhidzai mari yenyu muzvikwereti zvakasiyana
- Dhidzai mari yako yepakati nenharaunda
- Dhidzai mari yako yepanyika nenyika, zvematongerwo enyika, uye mari
Kuita izvi kunopa zvakawanda zvemasvomhu zvinobatsira kunze kwekudzivirira mungozi.
Muenzaniso wakanaka kwazvo wekusiyanisa kuwana mari inobva kumusha wangu wekare. Mumwe gweta akakurumbira, uyo akavaka mutemo wepamutemo, akashandisa mari yake yekuumba imwe nzvimbo yakakurumbira yebhizimisi bhizimisi. Zvose zhizha, mharaunda yaitarisira mberi kuti izarurike, uye motokari dzichitenderera zvakapoteredza chivako sezvo vanhu vakaratidza kuti vanofarira. Bhizimisi pacharo raive nyore uye rinoda kuti rirege kutarisa, rinoshandisa kubva pachivako chiduku-chiga choga munzvimbo yekupaka yemutengo mukuru wekutengesa. Ndinoziva nezvevamwe vadzimai vekambani yekuvaka avo vakashandisa unyanzvi hwavo kuti vashandise motokari kushambidza uye kuchengetedza zvigadziro zvemahofisi avo ega, vachivapa ruzivo rwekuwana mari dzimwe nguva apo bhizimisi rokuvaka rakarashika nekuda kwekutambudzika kwezvemari. Ndinoziva bhangi akazvitenga zvipfeko, mapurazi, uye zvikamu zvekugadzirwa kwepfuti, yose inopinza mari muhupenyu hwake kunze kwebhangi. Ndinoziva nezvevanhu vakatenga kodzero dzorwiyo rwemunyori wemhanzi, vachifarira mizinda inosvika zvisingatarisirwi.
Pamusoro pebhuku rangu rega rega, ndakatoita zvimwe zvidzidzo zvezvechirongwa ichi. Munyori-munyori wezvinyorwa Dolly Parton akavaka imwe yemhando yakawanda yakakosha mumitambo yose yekuzvivaraidza kuburikidza nekusiyanisa mari yake. Akashandisa purofiti yake yekudhinda kuwana, kudzokazve, kuwedzera, uye kukura hotera, nzvimbo, uye paki yemusoro muTennessee. Pasinei nekutanga nechose uye kusamboenda kuchikoro, zvakamuita akapfuma kupfuura Queen of England, pfuma yake inofungidzirwa iri pakati pe $ 450,000,000 uye $ 900,000,000. Anotova nekutengesa kuMissouri. Chakavanzika chake ndechokurega izvo zvisinganzwisisi. Anonzwa anonyatsosununguka neimba yepamusoro pane mashizha saka iye haatengi kutenga mashizha. Ndizvozvo. Iwe unogona kuwana upfumi usina wekutengesa matokisi .
Chinokosha pakuparadzanisa mari yako yekuyeuka kuti usambozviisa mune chimwe chinhu chausinganzwisisi. Dhiversification haireve kurasa mari pamadziro. Muchaita sei zvakasiyana-siyana zvinotarisa pane zvimwe zvinhu zvinosanganisira 1.) iwe unofarira iwe, 2.) hupfumi panguva iyoyo (zvimwe hupfumi huchasvibiswa kupfuura humwe hunoenderana nechinangwa chekuita mari), uye 3.) chikamu yemari yako yaunowana iwe unokwanisa kuzvipira kukura iwe mari yako.