Kupa Chipo Chekuverenga Mari Nezvemari Kunogona Kuchinja Upenyu Hwevana Nokusingaperi
Iwe ungazviita sei? Heano mamwe mazano munzira dzamunogona kubatsira vana venyu, vazukuru, vana, vana vazukuru, vanamwari, kana mumwe munhu wechidiki muhupenyu hwako vanonzwisisa pamatambudziko ezvinhu.
1. Kutanga Kudzidzisa Vana Nezvemari Nokutanga neChikamu Chinokosha Zvikuru: Nzira Yokuchengetedza
Zvizvarwa zvakapfuura zvakapfuura apo Napoleon Hill, munyori wenhau weT think uye Grow Rich, akanyora mazamu ake evanhu veAmerica vanobudirira zvikuru vanozvigadzira, akazvipira nguva yakawanda kune tsika yekuponesa ; kukwanisa kupedza zvishoma kudarika zvaunowana pasi pemamiriro ezvinhu ose kuitira kuti iwe uwane zvakasara. Kuziva kugadzira izvo zvakasara ndiyo imwe nheyo inonyanya kukosha yekuvaka upfumi . Izvo zvakanyanya ndizvo zvaunoisa mu 401 (k) chirongwa chako . Izvo zvakanyanya ndeyekuti unobhadhara sei Roth IRA yako . Iyo yakawanda ndiyo inoshanda semari yekubhadhara pasi pamusha wako kana kana iwe ukaita wekutsvaga mari yako yekutanga . Izvo zvakanyanya ndeyekuti unotenga sei zvikamu zvezvitengo kana kutenga zvisungo .
Kunyange kana iwe uchiwana mamiriyoni emadhora pagore, kana iwe usingazivi kuenzanisa zvikwereti uye zvikwereti, iwe unopedzisa kuputsika sejenya rakakunda kana kuti nhamba dzeNBA dzakawanda.
Pane nzira dzakasiyana dzaunogona kutora nekugadzirisa tsika yekuchengetedza vana. Nzvimbo yakanakisisa yokutanga? Kunyangwe zvingaita secheche, pigangi mabhangi ndeimwe yezvinhu zvinobatsira zvikuru kudzidzisa vana nezvemari.
Mhuri yedu, inowanikwa asati aberekwa. (Hama yangu, ari kuda kuva baba, atova nemwanasikana wake wemunguva yemberi yenguruve (pane maviri - imwe yemari, imwe yezvikwereti) akagara pavanopfeka muchera.) Pane chimwe chinhu chinooneka pamusoro pekunzwa clink- clink yemari uye mapepa emapepa mari sezvo ichizadza bhangi, zvichiita kuti iwedzere kukura nekurema sezvo pfuma yakawanda. Iko kunoita kuti ive visceral nenzira shomanana zvimwe zvinhu zvinogona. Itai kuti mwana mumwe nomumwe apiwe chikamu chemari yemari ipi zvayo inounzwa - zvichida 10%, zvichida 50% - sezvo iye achishanda kune chinangwa chakakura. Iva nechokwadi chokuti chero zuva rekuberekwa, Krisimasi, kana imwe mari inofadza inosanganisira chikamu chekuchengetedza mari kuti iiswe pamagetsi. Gare gare, pavanowana basa, vaite kuti vawane chikamu mune imwe nhoroondo iyo iwe iwe unovabvumira kuti vashandise pavanenge vari kureji kana kutanga hupenyu hwavo hwevanhu vakuru.
Paunenge uchienda kuchitoro, vadzidzise maitiro ekugadzirisa nekuita kuti vaise mari yekuchengetedza mari yavo (eg, kana iwe waizotenga bhokisi reimwe chinhu kwe $ 5 asi unogona kuitora $ 3 nebhupiti, ita kuti vadzoke iyo chikwata mumugwagwa wekutarisa uye wovapa, mune mari, panguva iyoyo, $ 2 inoponeswa - hapana chimwe chinhu muhupenyu chichaita kuti kuwirirana ikoko kukurumidze).
Varatidze kuti vangaenzanisa sei nechitoro paIndaneti. Tora navo kumutengesi yemotokari kuti vatarise mutengo wekutaurirana. Hazvina mhosva kuti vari vaduku sei, vana vari kuteerera. Munzira dzakawanda dzisingagoni kuiswa mumamiriro ezvinhu, vanowana maitiro ako, zvaunonyanya kukoshesa, maitiro ako, uye uchenjeri hwako (kana kushaiwa kwayo), kutevedzera zvaunoita zvakawanda sezvaunotaura.
2. Zvadaro, Regai Kuisa Pane Kudzidzisa Vana Pamari, Asi Basic Mat. It Sounds Sounds Counter-Intuitive Asi Tsvakurudzo inoratidza kuti ndiyo nzira yakanakisisa.
IWall Street Journal yakaita chidimbu chikuru pakutanga kwegore rino kutsanangura tsvakurudzo inoratidza kuverenga nekunyora kwemari yakanga ine kugadzirisa kwakaderera kuhupfumi hwemari pane kukwanisa kubata mazano echidzidzo chemashoko. Pakati payo, izvi zvinonzwisisika nokuti mari haisi chinhu kunze kwekuwedzera, kubvisa, kuwedzera, nekuparadzanisa.
Semuenzaniso, vangani vanhu vasiri kunze kwemari vanogona kuverenga kukura kwekujekesa? Icho chinhu chaunotora zvishoma. Kana mumwe munhu akauya kwandiri uye akati, "Ndinoda kuziva mari yakawanda yandingave nayo kana ndakatanga kuisa $ 500 pamwedzi, pa10%, kwemakore makumi mashanu", handifaniri kufunga nezve equation, ndinoziva iyo nemoyo. Ndiyo masvomhu. Hapana chimwe. Hapana chinhu chiduku. Ndinokwanisa kurova chikwata uye ndine mhinduro munguva pfupi. Icho chiripo icho chiratidzo chemadhora pamberi pezvinetso zvematongerwo hazvichinje izvo, pachikamu chayo, ndizvo zvazviri: Matambudziko ematambudziko.
Mudzidzi wega wega wepakati munyika muno anofanira kuziva nzira yekuzorora kwemazuva emangwana yekodhi yemari uye kukosha kwemuri wemari . Izvo chete zvinogona kureva musiyano pakati pehupenyu huri pamusoro pegungwa, kunwa kofi yako sezvo mafungu anorova kumucheto kwepfuma yako kana unonetseka nekutora rendi mwedzi mumwechete kusvikira wafa mukwegura. Uku kusakwanisa kuverenga kuti chii chinofanira kunge chiri chirevo chekutanga chinoita kuti vanhu vakangwara vapedze zvisingaitike, nekudzoka kwemasaya, seEOPs dzinopa 15% kana kuti zvikwereti zvakanyanya kune vashandi vanoda kutenga zvigadzirwa mumashandi avo emucheka webhuruu . Kuisa izvi zvakajeka: Panguva iyo iwe unobata muzvinhu zvose kunze kwemitero, muzviitiko zvakawanda, iwe unogona kuderedza zvigadzirwa, arbitrage musiyano, uye kubudirira kuwana 80% kana 90% + pamari yako mumwedzi mitanhatu kana kudarika nekuda kwe nenzira iyo mapurogiramu akaiswa pamwechete. Aya mapurogiramu haana kushamisa, ndakanyora pabhuku rangu rega rega pamusoro pekutsvakurudza kwakaitwa kuedza kuona kuti nei pasina vashandi vanozvishandisa. Iyo yakanakisisa data yandakaona inoratidza inowanzo maAmerica mashizha pakati pe $ 4,000 uye $ 5,000 pagore mune mari yekusununguka patafura, zvose zvingadai zvakabatwa dai dzaive nedzidzo yepamusoro yemaitiro. Ndiyo mwedzi asi zvinenge pasina munhu ari kubata mari yavari kukodzera.
3. Iva nevana Kids Basic Accounting, Cash Flow, uye Account Accounts
Pasinei nokuti unoshandisa mahwendefa edijitari kana pepanhau rekare rinotakura mapepa, netsika yekuponesa uye nyanzvi yekudzidzira masvomhu, inoda mwana kana vana kuti vatevere kubuda kwose uye kubuda, pamwe chete nekuenzanisa. Gare gare, ita gwaro rekuongorora uye rekuchengetedza , kutsanangura kuti vanoita sei. Tsanangura kuti FDC inoshanda sei.
4. Dzidzisai Vana Nekuwedzera Mari Yadzo Nokuiisa Izvo
Nezvose zvakakosha zvakaputirwa, zvino yava nguva yekupinda muchikamu chinonakidza. Unoda kudzidzisa vana kuti mari inowedzera sei. Izvi zvichasiyana kubva kumhuri kusvika kumhuri asi pano maitiro mashomanana aungaita kuti hurongwa hwekutsvaga mari huvepo.
Kana iwe uchikura kana kuti uwane dzimba, uise nzvimbo yacho mune imwe kambani ine chikwereti uye uite kuti vana vatenge bhodhi. Zvine muviri vane ruoko rwavo pamusoro pemari uye vanovapa chinyorwa chechikwata chechikoro. Itaiwo mumisangano yegore negore. Ndinoziva vanhu vakabudirira vanobudirira vakaona vabereki vavo vachivaka kuchengetedza zvigadziro uye motokari inogeza semwana. Ndinoziva vamwe vakanga varipo apo mabhururi akauya uye akatanga kutama pasi. Apo LLC inopa kugoverwa, fambai kuburikidza nekuwanda kwavakawana uye kuita mhemberero yekuvapa cheki. Izvo zvinoenda kune bhizinesi rekushanda. Apo Wal-Mart yakanga isingori mutengesi muduku zvishoma akanga asingazivi kuti aivepo, Sam Walton akaparadzanisa bhizinesi mumapoka mashanu, achipa mumwe wevana vake vana mugove uye kuchengetedza mugove kumukadzi wake, Alice, uye iye pachake. Iwe unogona kuita chinhu chimwechete nechingwa kana gesi; hoteli kana kuti motokari inoshandiswa kutanga basa rekuchera basa.
Ipai nhumbi sechipo . Tsanangura kuti bhizinesi racho rinoshanda sei, famba nomugumo wegore negore , 10-K , uye proxy navo, uye ivai nezvikamu zvakananga kuiswa mu-akhawunti yavo kana kuti cheketi yacho inyoreswe kwavari kuitira kuti vasvike kuivhura; kugara kwechipo chezvipo zvinosvika munzvimbo yacho. Zvinogona kutanga zviduku asi zvinhu zvinonakidza kana chidimbu chido chinogona kushanda magic. Apo hanzvadzi yangu yepayedze yaiva kuchikoro, ndakamupa mari muChina-Cola Company kuburikidza nepurogiramu yakatengwa yekuzvitenga. Vabereki vangu vakazopa mishandiro yemwedzi uno. Nenguva yaakange ari kurejiji, kushandurwa kwepasuo pano uye ikoko kwakanga kwaita murwi wehudziri mukambani yakakosha yekodzero yenyika inokosha pane imwe nzvimbo pasi pezvishanu. Zvechokwadi, kana akarega kugovera kwazviri iye zvino, uye akabata zvaainazvo, kunyange pamwero wehuwandu hwekudzoka , hazvingaiti kuti ave nemadhora maduku mazana matatu nemadhora mazana matatu kusvika pakuguma kwehupenyu hwake hwemhuka. Paakanga achikura, taifamba tichienda nechitoro uye tinotaura vanhu vachitenga Coca-Cola, achitsanangura kuti mari yaakatumirwa yakabva kune yaakatengesa.
Kune mumwe nomumwe wevakomana vangu nevanin'ina vangu, tinoita zvakafanana, nguva ino bedzi, tinoshandisa kambani yekwereti yakarongeka sechipo cheUTMA . Muzukuru wangu wemakore manomwe akanga achangobva kuFlorida uye akaona Exxon Mobil gas station. Anogara mune rumwe rutivi rwenyika iyo pasina vakawanda vavo asi iye aiziva zvose nezvebhizimisi, aive achiwana zvikomborero kubva kwazviri, akanga apfuura nemugove wezvigaro nemurume wangu neni, kunyange kutora mutevedzeri wake sezvataitsanangura izvo zvese zvairehwa zvinoreva. Pakazosvika maziso, maziso ake akawedzerwa uye akabuda nekuchema kwaizoita kuti mauto eMoror atadze pamabvi, "EXXON MOBIL! NDAKO IYE!", Achitaura zvinonakidza kunze kwehwindo. Iwe unofanirwa kuzviita chaiye. Vanofanira kuzviona; kuti anzwisise kuti zvikwata hazvisi zvemagetsi blips pamakombiyuta asi pane dare rekubatanidza kwepamutemo mune chenguva yekushanda inoshandiswa iyo inotengesa chimwe chinhu - chigadzirwa kana basa - nokuda kwemari.
Kana iwe uri kunyanyisa, iwe unogona kuwana nzira yekubhadhara imwana yebasa, uchivapa mitero, inowana mari inoita kuti vawane Roth IRA .
5. Kudzidzisa Vana Nezvokukweretesa uye Kuda Kwemari Maererano Nemikana Inounza Inogona Kuchengetedza Upenyu Hwokukanganisa
Pakupedzisira, dzidzisai vana pamusoro pemari yemari - iyo, chikwereti chei chinoreva muzviitiko zvenyika chaiyo. Somuenzaniso, kana vachida kubhadhara $ 50,000 pamakoroji e8% mubereko, ita kuti vaone kuti chikwereti chemudzidzi chichavaita kuti vauye ne $ 4,000 pagore, kana kuti $ 333.33 pamwedzi, mwedzi umwe chete kuti uvhare mari inobhadhara mari isina kubhadhara chero ipi zvayo mukuru . Izvozvo zvakakosha here? Izvo zvinowirirana zvachose pamusoro pemari inowanikwa iyo kana kuti ichawana kubva pakuva nedhigiri.
Mune mamwe mazwi, chikoro chekoroji ndeyekutsvaga izvo zvinogona kuita kuti uwane mari kana kuti kwete. Kunyange, zvichida, izvi hazvifaniri kunge zviri izvo (kojiji iri pamusoro pokudzidza kufunga, kuwedzera maitiro ako, kugadzirisa unyanzvi hwekuongorora hukuru hunokubvumira kuzvidzidzisa kune zvakasara zvehupenyu hwako), mune imwe nzira yatiri kuwana isu, kusava nehanya izvi zvinokonzera kuora mwoyo kwakawanda uye kutambura kutendesa akakwereta kuva zvishoma pane muranda asingatendi. Iwe haufaniri kupedza hupenyu hwako kunamata mari, kune zvakanyanya kukosha, zvakakosha, zvinhu zvakakodzerwa newe. Usaita chibvumirano naDhiyabhorosi kuwana chikamu chemapepa kubva pane imwe sangano kana pasina chikonzero chemari yekuita kudaro. Zvakanaka here kuti vamwe havafaniri kunetseka pamusoro peizvi kana kuti mhuri yavo inobhadhara mari kana kuti inotora chikwereti chekuvimba ? Aiwa, asi ihwohwo hupenyu. Gadzirisana nazvo. Suck it up. Iwe haugone kuita zvisarudzo zvichienderana nehomwe yehomwe yevanhu.
Ita kuti vaone mari yekutakura kadhi rechikwereti chikwereti . Itai kuti vaone kuti kutenga mari ye $ 2,000 inotorwa ne 25% kwemakore uye makore inopedzisa mari. Zvadaro ita kuti vaverenge zvimwe zvinhu zvose zvavaigona kutenga nemari iyoyo yakawedzerwa; mari iyo iye zvino ndeyevashandi vemabhangi (isungirire kuhuwandu hwehupfumi).
Vadzidzise nezvemhando dzakasiyana dzezvikwereti, kudzidzisa iwe munzira kana iwe usingazivi navo. Mhuri dzakawanda dzipi dzingadai dzakadzivisa kurasikirwa nemusha wavo kana dzingave dzichinyatsoziva kuti chii chinoita kuti kugadziriswa-kutengesa chikwereti chakasiyana nedzimwe mari yakatarwa? Vakawanda vevapfumi vanozviita, saka iwe unofanira.
6. Kuwedzera Kupa Ruremekedzo Kupinda Mupiro Wose Kudzidzisa Vana Kuti Mari Haisi Kungotaura Nekushandira Zvido Zvako
Zviri nyore kuremekedza mari kana iwe uchiona kuti kuparara kwacho kunogona kutungamirira muupenyu huri nani kune mumwe munhu. Pane nzira dzakawanda dzokuita izvi asi mashomanana andakaona kana kushandisa kwemakore:
- Mavhiki mashomanana musati waKrisimasi, kupa mwana mumwe nomumwe envelopu yemari. Ita kuti vatenge zvipo kuti vape kupa imwe nherera yekunharaunda kana yehafu yeimba, zvichiita kuti ive yega kwavari.
- Gadzira mhuri yezvipo zvechipo chechikwama ine mari yekodzero yakadai seFidelity kana Charles Schwab. Izvo zvine zvizhinji zvezvibatsiro zvezvivako zvepachivande zvine zvishomanana zvezvipingamupinyi (iwe unogona kuchengetedza mararamiro emari yako uye mari inoyerera pakavanzika, somuenzaniso, sezvo iwe usingatenderwi kuisa Fomu 990 yega; zvinhu zvako zvakabatanidzwa nevamwe vose iyo kuziviswa kweRS). Kune mhuri yeKennon-Green, tinoshandisa mari shoma inoendesa mari yekuisa zvipo zvekare zvakabhadhara mutero kusvikira tawana chimwe chinhu chatinoda kutsigira. Pakati pemakwenzi emombe, tinogona kugovera zvikamu zvinodiwa, zvakare, kudzivisa mutero wemari inowanikwa. Gara pasi kamwe nehafu uye umwe neumwe mwana aratidze rudo kana iye anoda kupa mari yekutsigira, kupa mharidzo yekuti nei iri nhamba yavo imwe.
- Zvinyorwa kuti ugovera nguva kune sangano rakadai seHabitat for Humanity kuti iendese kumba mharidzo yekunyora cheke haikwani; dzimwe nguva, unofanirwa kuisa maoko ako tsvina kuti nyika ive nzvimbo yakanaka. Pachinhu chiduku, icho chichakubatanidza iwe kubasa kuitira kuti usatora zvishoma.
Pakupedzisira, kana nheyo idzi nhanhatu dzichiripo, dzakawanda dzemamwe mashoko anogona kuwanikwa munguva. Sezvavanopinda mumakore avo ekuyaruka, iva nechokwadi chekuvadzidzisa zvimwe zvezvinetso zvakaoma zvikuru zvekutarisira mari .