Iwe Unofanirwa Kuzviisa Mu Real Estate kana Matoro?

A Kuenzaniswa Kwema Real Estate Investments vs. vs.

Kubvunza mibvunzo, "Ndeipi mari inoshandiswa-inzvimbo yekugara kana mashizha?" Yakafanana nekubvunza kana chokoti kana vanilla iri nani here kana kuti Aston Martin ari nani kupfuura Bentley. Icho hachisi mhinduro chaiyo nokuti yakawanda yacho inouya kune unhu hwako, zvaunofarira, uye chimiro. Izvo zvinouya zvakare kune zvakananga zvekutsvaga kwemunhu mumwe nomumwe. Zvishomanana zvikwata zvingadai zvakarova kutenga zvigaro beachfront pfuma muCalifornia muma1970 vachishandisa chikwereti chakawanda, ndokubva vatora mari mumakore makumi maviri gare gare.

Zviri pachena kuti hapana nharaunda ingadai yakarova mitsva yawakagamuchira kana iwe uine mari muzvikamu zveMicrosoft, Johnson & Johnson, Wal-Mart, Berkshire Hathaway, Dell kana Southwest Airlines, kunyanya kana iwe ukadzorera zvikamu zvako . Saka mhinduro haisi nyore sezvinogona kuonekwa.

Ngatitange nokutarisa pamhando ipi yekutsvaga kwekutsvaga :

• Real Estate : Paunotora mari muimba yekutengesa , iwe uri kutenga pasi kana pfuma. Dzimwe dzimba inotora mari iwe mwedzi woga woga iwe unofunga nayo - funga nezvechimwe chikamu chepasi chaunotarisira kutengesa kumusukiri mumwe musi asi unofanira kuuya nemari yakabuda kunze kwekubhadhara mitero nekuchengetedza. Dzimwe dzimba ndiyo mari inokonzera - funga nezvekuvaka chivako, dzimba dzekurenda, kana nzvimbo yekutengesa apo varimi vanokutumirai kuongorora mwedzi woga woga, iwe unobhadhara mari uye uchengetedze musiyano sehuwandu.
• Nheyo : Paunotenga zvikamu zvezvitoro , uri kutenga chikamu chekambani. Chero iyo kambani inogadzira ice cream cones, inotengesa feniti, vogadziri motokari, inoita mitambo yemavhidhiyo, kana kuti inopa mitero yekubhadhara, iwe une kodzero yekucheka purogiramu, kana iripo, yega yega mugove wako. Kana kambani ine zviuru zve1 000 000 zvakasara uye iwe une mamiriyoni gumi, iwe une 1% yekambani. Wall Street inoita kuti iite seyakanyanya kuoma kupfuura iyo.

  Bato reVatungamiri vekambani, avo vakasarudzwa nevatengi vekuchengetedza sekuita iwe kutarisa vatungamiri, vanosarudza kuti mari yakawanda yeiyo gore negore inowanikwazve pakuwedzera uye yakawanda inobhadharwa sei semari inowanikwa mari . Kana iwe uchifarira pfungwa iyi, verenga Kuisa Chidzidzo 1 . Ichachajekesa kuti kambani inotengesa chiko ichi pachayo uye kuti iyo migove inoguma sei inotengeswa paWall Street . Iwe unogona kunge uchida kutarisa Kuzviisa Chidzidzo 2 - Nei Kutengesa Kuve Kwakapfuura kana Kunyoreswa Kuti unzwisise chii chinoita kuti mutengo wematengo.

Pros uye Cons ye Real Real vs. Stocks

Iye zvino, ngationei zvinobudirira nekunetseka kwemarudzi ose emari yekuita kuti vanyatsonzwisise.

5 Nzira dzekubhadhara mu Real Estate

1. Imba inowanzowedzera mari yakawanda kune yakadzika uye yepakati makirasi nokuti yakakura yakasununguka kune iyo (sezvakangoita mapoka epamusoro aiwanzodzidza pamusoro pematokisi , zvisungo , uye zvimwe zvivimbiso munguva yehuduku nemakore ekuyaruka). Zvichida vanhu vakawanda vakanzwa vabereki vavo vachitaura nezvekukosha kwe "kuva neimba". Chigumisiro ndechekuti ivo vanonyanya kuzarura kutenga nyika kupfuura mamwe akawanda masimba.

1. Apo iwe unotora muimba yeimba, iwe unotora mune chimwe chinhu chinooneka. Iwe unogona kutarisa, kuinzwa, kuendesa nevanoshamwaridzana vako, kuratidza firiji, uye uchiti, "Ini ndine nhaka iyo". Kune vamwe vanhu, izvi zvinokosha mupfungwa.
2. Zvakaoma kubiridzirwa muimba yekutengesa kuenzaniswa nematokari kana iwe uchiita basa rako rechikoro nekuti iwe unogona kuratidza muviri, chengetedza nzvimbo yako, chengetedza chekuchechechedza kune vashandi, iva nechokwadi chokuti chivako chiripo iwe usati watenga, ita unozvigadzirisa ... nematokari, unofanira kuvimba nekutarisira uye vanyori.
3. Kushandisa muchengeti (chikwereti) muimba inogona kugadziriswa zvakanyanya zvakachengeteka pane kushandisa chikwereti kutenga mabhizimisi nekutengesa pamuganhu .
4. Imari yezvivako zvekumba yakave yakave iri nzvimbo inotyisa yekutengesa kwemahombekombe ekuchengetedza kurwisana nekurasikirwa mune simba rekutenga dhora.

3 Cons of Investing in Real Estate :

1. Kuenzaniswa nematokari, zvivako zvinotora maoko mazhinji-kubasa. Iwe unofanirwa kutarisana nefoni yapakati peusiku inotaura nezvekuputika kwemvura mumvura yekugezera, kupisa kwegesi, mukana wekupomerwa pombi yakaipa pavhare, uye zvinhu zvakawanda zvausina kumbofunga nezvazvo. Kunyange kana iwe uchikwereta maneja weimba kuti uchengetedze mari yako yezvivako zvekumba, zvichiri kuenda kunoda nguva nenguva misangano uye kutarisa.

1. Imba inogona kukubhadhara mari mwedzi wega wega kana nzvimbo yacho isina kubatwa. Iwe unotofanira kubhadhara mitero, kuchengetedza, zvishandiso, inshuwarisi, uye nezvimwe, zvinoreva kuti kana iwe ukazviwana uri nepamusoro-kudarika-yakasarudzwa mukana wekutsvaga nekuda kwezvinhu zvisingagoni kudzora, iwe unogona kunge uchifanira kuuya nemari mwedzi mumwe nomumwe!
2. Sezvawakadzidza muThe Great Real Estate Myth , kukosha kwekugara kwemaimba hakuwanzowedzereki mumagetsi ekugadzirisa zvinhu (kune zvisizvo, zvechokwadi). Izvi zvakagadzirwa nokuda kwesimba rekushandisa. Ikozvino, fungidzira iwe uchitenga $ 300 000 pfuma nekuisa $ 60,000 emari yako pachako, nekukwereta imwe $ 240,000. Kana kuwedzera kwezvikwereti kunokwira 3% nokuti hurumende yakadhinda mari yakawanda uye iye zvino dhora rega rega rinokosha zvishoma, saka imba yaizoenda ku $ 309,000 inokosha. Yako chaiyo "kukosha" kweimba haina kuchinja, kungoita nhamba yemadhora inotora kuitenga. Nokuti iwe chete wakapa mari $ 60,000, zvakadaro, izvo zvinomiririra kudzoka kwe $ 9,000 pa $ 60,000. Ndiyo kudzoka kwe15%. Kutsigira kunze kwema3%, iyo 12% muzvakawanda zvayo zvisati zvaitika mushure mekutengesa muzvinotengeswa zvekushandisa pfuma yacho. Ndizvo zvinoita kuti dzimba dzive dzakanaka.

6 Nzira dzekutsvaga muZvondo

1. Makore anopfuura zana ekutsvakurudza akaratidza kuti pasinei nematambudziko ose , kutenga zvigadzirwa , kudzorerazve zvikamu, uye kuvabata kwenguva yakareba ndeye pfuma yakawanda mukusika munhoroondo yenyika. Hapana, maererano nedzimwe dzimba dzepfuma , inorova bhizimisi pfuma (yeuka - paunotenga soro, uri kungotenga chikamu chebhizimisi).
2. Kusiyana nebhizimisi duku iwe unotanga uye unotarisira iwe pachako, iwe pachako uine mabhizimisi akasarura kuburikidza nemiganho yematokari haitendi chero basa pane yako (kunze kwekutsvakurudza kambani imwe neimwe kuti uone kana zvakakunakira iwe). Kune vaparidzi vezvenzvivako pahofisi huru iyo inotungamirira kambani. Iwe unobata kuti ubatsirwe nemigumisiro yekambani asi haufaniri kuratidza kuti unoshanda zuva rega rega.
3. Nzvimbo dzakakwirira dzematokari haisi kungowedzera purogiramu yavo gore negore, asi dzinowedzera mari yavo yemari, pamwe chete. Izvi zvinoreva kuti gore roga roga rinopfuura, iwe uchawana cheki huru muma mail sezvo mashandiro ekambani achikura. Sezvo Fortune magazini yakataura, "Kana iwe wainge watenga chikamu chimwechete [chaJohnson & Johnson] apo kambani yakaenda kune vanhu muna 1944 paIprio yainayo ye $ 37.50 uye yakadzorerazve zvikamu, iwe zvino iwe unogona kunge uchingopfuura $ 900,000, kudzoka kunoshamisa kwegore negore kwe17.1%. " Pamusoro peiyo, iwe unenge uchinge uchitora kune imwe nzvimbo inenge madhiyoni 34 200 pagore mumari inowanikwa! Ndiyo mari inongoramba ichingopinda muhupenyu hwako pasina kuita chimwe chinhu!
4. Zviri nyore kwazvo kusiyanisa kana iwe ukasara mumatokari kupfuura apo iwe unotora muimba yekutengesa. Nemamwe mari pamwe chete , iwe unogona kuisa mari shoma se $ 100 pamwedzi. Nekambani dzakadai sa ShareBuilder, kugoverwa kwe ING, unogona kutengesa akawanda ematokari ehomwe yepamwedzi yepamwedzi semadhora mashomanana. Real estate inoda mari yakawanda.
5. Nzvimbo dzakasvibiswa zvikuru kupfuura mari yezvivako. Penguva dzenguva dzemisika nguva dzose, unogona kutengesa nzvimbo yako yose, kakawanda, mune imwe nyaya. Iwe unogona kuisa mazita edzimba kwemazuva, vhiki, mwedzi, kana mumamiriro ezvinhu akaoma, makore asati awana mutengi.
6. Kukwereta pamatokisi ako kunonyanya kuve nyore kupfuura dzimba. Kana iwe mutengesi wako akakubvumira kuti uwane chikwereti chekukwereta (kazhinji, inongoda kuti uzadze fomu), zviri nyore sekunyorera cheki pakurwisana neakaunti yako. Kana mari yacho isipo imomo, chikwereti chakasikwa kupikisana nematokari ako uye iwe unobhadhara chikwerero pamusoro payo, iyo inowanzoita sechepasi.

3 Cons of Investing In Stocks

1. Pasinei nokuti iyo midziyo yakave yakarongedzwa kuti iwane pfuma yakawanda pamusoro penguva yakareba, vashandi vakawanda vane manzwiro, havakwanisi, uye vanogadzikana kuti vabatsirwe. Vanopedzisira varasikirwa nemari nekuda kwepfungwa. Nyaya iripo: Panguva yekudarika kwekupedzisira, Chikwereti Crisis ya 2007-2009, vanozivikanwa zvikuru vezvemari vauri kuudza vanhu kuti vatengese mashizha avo mushure mokunge misika yaita kuti 50%, panguva chaiyo vaifanira kunge vaitenga.
2. Mutengo wematokari unogona kuona kuchinja kwakanyanya munguva pfupi. Mari yako ye $ 40 inogona kuenda ku $ 10 kana kuti $ 80. Kana iwe uchiziva kuti nei iwe uine zvikamu zveimwe kambani, izvi hazvifaniri kukuvhiringidza pane zvishoma. Iwe unogona kushandisa mukana uyu kutenga dzimwe nhengo kana uchifunga kuti dzisina kutengesa kana kutengesa zvikamu kana uchifunga kuti dzinodhura. Sezvo Benjamin Graham akati, kuve nemanzwiro pamusoro pemitengo yematombo yaunofunga kuti yakashata ndeyokutsamwiswa nemamwe mhosho evanhu mukutonga.
3. Papepa, mashizha haafaniri kutaridzika sezvaakaenda chero kupi kwemakore gumi kana kupfuura pamisika. Izvi, zvisinei, zvinowanzonyengedza nokuti mifananidzo haigoni mune imwe chete inonyanya kukosha kwenguva refu mutyairi wekukosha kwevatengesi: kudzorerwa zvikwereti . Kana ukashandisa mari iyo kambani inokutumira kuti ive yako inotengesa kutenga mamwe masangano, nekufamba kwenguva, iwe unofanira kuva nemamwe mapato akawanda, izvo zvinokupa iwe mari yakawanda yemari pamusoro penguva. Kuti uwane mamwe mashoko, verenga basa repurofesa Ivy Ivy Jeremy Siegel.