Kunzwisisa Mahomwe Ako Zvisina Kugoverwa Zvingave Zvichikosha
Uyu mubvunzo wakanaka kwazvo uye zvakakosha iwe unonzwisisa mhinduro.
Kugoverwa ndiko kwakakonzera kudzorera kune vagovani, kunyanya kana kusanganiswa nedhora kunodhura .
Asi kambani haifaniri kubhadhara zvikwereti kuti zvive zvakakosha kuti iwe uwane mari. Kuti ubatsire kutsanangura kusabhadhara chikwereti chekubhadhara uye maitiro avanogona kubatsire chikwereti chako, ndakagadzira nyaya inotevera kuitira kuti nyaya iyi ive yakaoma nyore kunzwisisa. Muchidimbu, izvi zvinotaurira nhau yekuti sei kuisazve mari mubhadharo panzvimbo yekugovera zvikamu zvinogona kushanda zvakanaka kune vagovana.
American Apple Orchards, Inc.
Fungidzira kuti baba vako nababamunini vako vanosarudza kuti vanoda kutanga bhizimisi rekurima. Mumwe nomumwe anopa $ 150,000 mari yavo yekuchengetera kambani yavo itsva, "American Apple Orchards, Inc." Vanoparadzanisa kambani muzvikamu zana zvemazana ("zvikamu") pa $ 3 pagoga, uye mumwe nomumwe anogamuchira hafu yemugove wekugovera kwake.
Sangano idzva rinoshandisa iyo yakabatanidzwa $ 300,000 kuti iwane $ 700,000 chikwereti chemabhizimisi. Izvi zvinovapa $ 1 000 000 mune mari uye $ 700,000 mune chikwereti ne $ 300,000 mumari yakakwana (inosanganisira yepano yavo yepakutanga kune kambani).
Kambani inotenga mashekeri mazana matatu eminda yepurazi pa $ 2 500 paAre ($ 750,000 muzana) uye inoshandisa mari inosara 250,000 yezvigadzirwa, kushandiswa kwemari , uye kutanga-up.
Gore rokutanga, furazi inobhadhara madhora makumi mana nemakumi mashanu emadhora makumi maviri nemakumi maviri emadhora makumi maviri nemashanu . Pashure pemitero, izvi zvinodarika $ 30,000.
Pakupera kwegore, baba vako nababamunini vakagara patafura yekicheni, vachibata Bhuku revatungamiri musangano weAmerica Apple Orchards, Inc.
Vanoona kuti mushumo wegore negoridhe wakagadzirira unoratidzira $ 300 000 mugoveri wekugovana pakutanga, ane $ 30,000 net net , ye $ 330,000 ekugadzirisa chikwereti.
Mune mamwe mazwi, pamabasa avo ose, vakawana $ 30,000 pamari yavo ye $ 300,000. (Cherechedza: Panzvimbo yemari, zvisinei, zvinhu zvinosanganisira mapurazi, mapuroti, matereta, nzvimbo, etc.) Ndidzo kudzoka kwe10% pamabhuku. Kana zvikwereti zvinokwana 4% panguva iyoyo, izvi zvakanaka kudzoka. Haisi chete kuti mhuri yako yawana mari yakanaka kudzoka kwayo, asi baba vako nababamunini vaifanira kugara mararamiro avo nekurima maapuro.
Kuva varume vakwegura uye vakachenjera munzira dzenyika, baba venyu nababamunini vanoziva kuti mumiririri akasiya chimwe chinhu kunze kwehupfumi wegore negore. Chii ichochi? Real estate appreciation.
Kana kuwedzera kwepamuviri kuchikwira 3%, munda unogona kunge wakachengetwa, zvichireva kuti kuonga kwaiva $ 22,500. Mune mamwe mazwi, kana vakatengesa fura yavo kumagumo egore, vangadai vawana $ 772,500, kwete $ 750,000 yavakabhadhara, vachiita pfuma pfuma ye $ 22,500.
Izvi zvinoreva kuti $ 300 000 yavakapa mukana wekambani yakakura kusvika $ 330,000 pamusana pe $ 30,000 muhuwandu hwavakagamuchira mushure mekutengesa mutero pamapiro avo ekutengesa.
Asi, ivo zvakare $ 22 500 vakapfuma nemhaka yekukosha kwenyika yavo. Izvozvo zvinoreva kudzoka kwavo kwegore rose kwaive $ 52 500, kana 17.5%. (Kuti uve wakarurama, iwe unofanirwa kubhadhara mitero yakaderedzwa yemari yaizodzingwa dai vaizotengesa nyika, asi ini ndichaichengeta iri nyore.)
Chisarudzo Chavanotarisana nacho: Kubhadhara Zvikwereti kana Kuwanazve muKambani?
Iye zvino, baba vako nababamunini vane chisarudzo. Vane bhizinesi rine $ 330,000 mubhuku rinokosha asi iro vanoziva rakakodzerwa $ 352,500 ($ 300,000 yakapiwa mari + $ 30,000 mari yakawanda + $ 22,500 kuonga munyika). Saka, munyori wenhoroondo anoti mari yavo inokwana $ 3.30 imwe neimwe ($ 330,000 yakaparadzaniswa nezvidimbu 100 000), asi vanoziva kuti mari yavo inokwana $ 3.52 pamari ($ 352,000 yakapatsanurwa ne 100,000 zvidimbu).
Vane sarudzo. Vanobhadhara madhora makumi matatu nemakumi matatu emari yavakagamuchira se $ 0.30 per share dividend ($ 30,000 mari yakabhadharwa yakagoverwa nemamiriyoni zana = $ 0.30 per share dividend)?
Kana kuti, vanodzoka ndokudururira iyo $ 30,000 kudzokera mubhizinesi kuti iwedzere here? Kana munda wemichero unogona kuwana 10% pamutengo zvakare gore rinotevera, purogiramu inofanira kuwedzera kusvika $ 33,000. Kuenzaniswa ne4% bhangi rekubhadhara, hazviiti here kuti vave nani pane vasingabhadhari mari iyo sechaparadzana yemari uye panzvimbo yekuenda kune 10% kudzoka?
Kugadzirisa Chisarudzo Chekuparadzanisa Kwemakore 20
Fungidzira kuti kukurukurirana uku kunoitika gore negore kwemakore makumi maviri anotevera. Gore roga roga, baba vako nababamunini vanosarudza kubhadhara purogiramu panzvimbo yekubhadhara chikamu chemari, uye gore roga roga vanowana 10% muhomwe. Imba iyo inofanirwawo 3% pagore. Nguva yose, havatombotengi, kutenga, kana kutengesa chikamu chematokari avo.
Pachine makore makumi maviri emakambani, chikamu chakanaka chichava $ 201,800. Bhuku rinokosha, iro rinomiririra zvikwereti zvakadzoserwa zvakare kukambani yekuwedzera, raizokura kubva ku $ 300,000 kusvika ku $ 2,000,000. Pamusoro pe $ 2,000,000, kunyange zvakadaro, iyo imba. Nyika iyi ingadai yakaonga $ 605,000 kubva pazuva rokutanga rekushanda, kwete imwe peni iyo yakamboratidzwa chero kupi zvako mune zvinyorwa zvemari . Nokudaro, kukosha kwebhuku kwekambani iri $ 2,000,000 asi kukosha kwebhizinesi iri mari inenge madhora 2 605 000.
Kubva mubhuku rinokosha maonero, zvikamu zvinokwana $ 20 imwe neimwe ($ 2,000,000 kukosha kwebhuku yakakamurwa ne 100,000 chikamu). Kubva kune "chaiyo" kukosha kwemaonero, kutengesa mukukosha kwenyika, zvikamu zvinokwana $ 26.05 mumwe nomumwe ($ 2 605,000 akaparadzaniswa nemamiriyoni zana).
Kana iyo kambani yaifanira kubhadhara mari yezana yezvikamu zvayo mumari, zvikamu zvinokwana mari inenge iine $ 2.02 yega yega ($ 201,800 purogiramu yakazara yegore yakagoverwa nemamiriyoni 100,000 = $ 2.02 peraga mari inowanikwa).
Nenzira inoshanda, izvo zvinoreva kuti $ 300,000 baba vako nababamunini vakaiswa muAmerica Apple Orchards, Inc. apo yakatangwa makore makumi maviri akapfuura yakakura kusvika $ 2 605,000. Mukuwedzera, kambani inobudisa $ 201,800 mumutengo wegore negore. Nhamba inonzwisisika, yakasarura yematengo apo kugovera muimba yekutengesa kuonga $ 26.05 per share.
Kuzviisa Pamwe
Iwe haudi chimwe chinhu kunze kwekuenda mubhizinesi nababa vako. Iwe unosarudza kutaura kuna babamunini vako uye unopa kutenga mabhizimusi ake makumi mashanu, zvichimirira 50% yebhizimisi.
Mumakore makumi maviri kubva apo kambani yave iripo, hapana peni imwe yakabhadharwa kune avo vanochengetedza sekushambadzira mari. Ungada kutaura kuna babamunini uye ukatengesa kutenga zvikamu zvake pamutengo wekutanga we $ 3 apo iye nababa vako vakagadzira kambani? Kana iwe ungapa here kutenga zvikamu zvake pane zvazvinokosha zve $ 26.05?
Mune mamwe mazwi, kana iwe wakabhadhara $ 1,302,500 kwe50% yemadhora 2605 000 $, iwe unofunga kuti unofunga kuti iwe uri chikamu chePonzi chirongwa nokuti mari yakanga yadzorerwazve kwemakore here? Kwete kwete. Mari yako inomirira zvinhu chaiyo uye simba rekuwana uye iwe unoziva kuti kana iwe uchida, iwe unogona kuvhota kuti usiye kukura uye utange kugovera zvikwereti sezvikamu mune ramangwana. Kunyangwe iwe usina kumboona mari iyoyo zvakadaro, yakamirira chaiyo, uye inooneka, inowanikwa mumambure inokosha kumhuri yako.
PaWall Street, zvimwechetezvo zvinotsigira makambani makuru. Tora Berkshire Hathaway, somuenzaniso. Nhamba yacho yakabva kubva ku $ 8 kusvika kune $ 317,000 payo pamakore 40+ apfuura nokuti Warren Buffett akadzorerazve mari iyo mune mamwe masimba . Paakazotora, kambani yacho haina chinhu kunze kwekuti mamwe mabhesi asingabatsiri. Nhasi, Berkshire ine pfuma huru yemakambani makuru kusanganisira American Express, Coca-Cola, Procter & Gamble, nezvimwe zvakawanda.
Is Berkshire inokwana $ 102,000 + chikamu chimwe chete here? Zvakanaka. Kunyange kana iyo isingabhadhara mari iyo ikozvino, ine mazana emabhiriyoni emadhora muzvinhu zvingatengeswa uye inogadzira makumi ezviuru zvemadhora mubatsiro gore negore. Izvo zvinokosha, kunyange kana vagovhani vasina kuwana rubatsiro nenzira yemari nokuti Bhodhi revatungamiri rinogona kutendeukira ku spigot uye kutanga kutora zvikwereti zvakakura mangwana.
Munyika dzakagadzikana, ine misika yakawanda yezvemari, mushamba wekutengesa ichaona kukosha uku kuchikosha kuburikidza nekupa kambani kambani ine mutengo wepamusoro wematengo. Zvechokwadi, izvi hazvisi izvo uye zvinogona kutora makore. Asi kana iwe wakatenga madhora 8 000 eBerkshire mushure mezuva, mamiriyoni ako emari ikozvino inokwana $ 317,000,000 (kubva munaFebruary 2018.) Kana uchida, unogona kutengesa mamiriyoni emadhora emadhora emadhora, kana kuisa zvikamu mukodha yekwereti uye kutora chikwereti chiduku kubva kune avo, kuti uwane mari yako yekurarama. Zvechokwadi, iwe unogona "kuumba iwe pachako" chikamu.
Iwe unogonawo kugovera zvikamu zvako kune imwe sarudzo yakasara inotora iyo inotora Berkshire yako, inokubhadhara iwe zvakadzoka zvekuti, inoti, 5% pagore, uye wobva wapa zvose zvese kudiwa yako yaunoda paunofa. Ichi ndicho chiitiko-icho-iwe pachako chinoparadzanisa.