Nenzira yakanaka, pane zviyero zvakakura zvaunogona kutora kuti zvigone kuderedza kusagadzikana kwemazuva mazhinji mumatare ako anokosha munguva dzekudzvinyirira kwezvemari. Sezvo tiri tsika yedu, tora kapu yekofi, tarisa nharaunda iyi, uye funga zvaunogona kuita kuti uzvidzivirire iwe nemhuri yako.
Tarisa kuMutengi wezvokudya zvakanyanya
Hazvina mhosva kuti zvinhu zvakashata zvakadini, vanhu vachazoziva kuti vangadye sei, vape peji rekunze, uye kupisa misha yavo. Kana mari ishoma, zvinhu uye mabasa akadai saizvi, anozivikanwa se "vatengi vezvokudya" uye "simba", vanoramba vachidzima purofiti yekambani dzinogadzira uye dzinozvitengesa. Makambani akaita seMutter & Gamble, Clorox, neColgate-Palmolive haigone kutengesa mazino emagetsi, kuveura ndekuvekisa, kuchenesa, uye saga yekuswa kunze kwekuti zvinhu zvive zvechokwadi, zvakashata. Izvo zvikwereti zvemasimba emari munguva dzekutambudzika.
Saizvozvowo, "mabhizimisi anokwanisa," akaita saWilliam Wrigley, Coca-Cola, PepsiCo, Hershey, uye HJ
Heinz haasati achinzwa kuipa kwakanyanya kufanana nekuenzaniswa nemakwenzi akawanda nokuti murume kana mukadzi anenge asingakwanisi kurega masikati ake Coke kana kushandura kune-off-brand chocolate bar nokuti akatambura kubhadhara mari kana kupera basa kwenguva pfupi . Ichokwadi, zvigadzirwa zvakadai seFolgers zvingatoita zviri nani sezvo vanhu vanonyara kubva $ 4 lattes ne cappuccinos asi vachida kubatisisa mazita mazita avanoziva uye kuvimba.
Mamwe mabhizinesi, akadai sekutengesa pawn uye kubhadhara chikwereti chekutengesa, zvichida achizoona kuwedzera kwakanyanya mune purogiramu uye bhizinesi, saka zvinogona kuve nokugadzira zvakapfuma zvakanyanya kana iwe usina maitiro ezvakanaka pamusoro pokuti uwane mabhizinesi aya. Icho chisarudzo chaunofanira kuzviitira iwe pachako.
Tsvaga Makambani neHurumende Dzakagadzikana Dzakagadzirwa Inobereka
Jeremy Siegel, munyori uye purofesa airemekedzwa (verenga nei Boring inenge iripo nguva dzose inobatsira ), yakaratidza mukutsvakurudza kwake kuti zvikamu zvinogona kuderedza nguva yakawanda inokutora iwe kuti uwanezve kurasikirwa mune zvekutsvaga. Izvi ndezvokuti zvikwereti zvakadzorerwa zvakare panguva yekuputsika uye kugadziriswa kwemisika kunotenga mamwe mashizha mashoma anodzoka, mune ramangwana, anopa purofiti yakakwirira kwazvo apo misika inowedzera.
Mukuwedzera, zvikamu zveparadhesi zvinowanzoita kuti pesa iwire pasi shoma pane zvisingabatsiri chikwereti chezvikwereti nokuti vanova "zvibereko zvinotsigirwa". Fungidzira uri kutarisa GPE Consulting Boka rinozivikanwa neboka (kambani inofanirwa) pa $ 100 per share. Nhengo dzinobhadhara mari ye $ 5, ichipa 5% ($ 5 cash dividend yakapeswa ne $ 100 per share price = 0.05, kana 5.00%), nepo United States Pfuma inopa 4.65%. Zuva ramangwana rinotarisa rakanaka; kwete kufadza kunotyisa, asi zvakanaka sezvinogona kutarisira.
Iye zvino, fungidzira kuti pane imwe kambani, River Rock Chocolate uye Ice Cream (imwe kambani inofanirwa) ne $ 100 pamudziro wegoverwa uye pasina mari inowanikwa.
Zvino, fungidzira kwechinguvana chiitiko chinotevera: Misika yematengesi inoparara. Vashandi vanovhunduka, vachiraira kuti 401k yavo inoronga kuderedza mutengo wemari pamwe chete, vachimanikidza vashandi vemari kuti vabvise mashizha avanoziva akadhura. Pakutanga, zvose GPE Consulting Group uye River Rock Chocolate uye Ice Cream kukanganisa kusvika $ 60 per share. GPE ikozvino ine mugove wekugoverwa wa 8,33% apo River Rock inopfuurira purogiramu yayo isina-payout. Kana iyo mutual fund manager inofanira kutengesa mamwe masangano, ndeupi iwe waunofunga kuti achasarudza? Ini ndinogona kuvhara kuti kana tarisiro yefemu iri yakaenzana, chikamu chekubhadhara chikwereti chinoita kuti iite kumativi akatevera apo iyo isiri chikamu chekubhadhara mari inotemwa.
Vashandi vemunyika yose, vanhu vakapfuma, uye masangano vanogonawo kuona, pane imwe nguva, zvikamu zvekambani kutengeserana pamatengo apo mugove wegoverwa zvakanyanya kudarika zvibereko zvehutano . Kana vachidavira kuti mubhadharo unoramba uripo (kambani icharamba iine purogiramu yakakwana yekubhadhara, kana "basa" chikamu chayo mune zvemabhizimisi kutaura), vachazove vachida kuisa mari. Mugumisiro wekupedzisira weizvi ndechokuti zvikwata zvinowanikwa nemari yakawanda inokonzera mari inokonzera kuva nechekare kuderera uye kutambura kunowira pasi kudarika vamwe vavo.
Zvinoshamisa, izvi ndezvechokwadi kunyange kana chikamu ichi chakatemwa kana chikwata chematengo chinoderera pane chikamu chikuru kudarika chikamu chikaderedzwa. Chimwe chikomborero ndechokuti mari inokonzerwa nemari inowanikwa kumusika wakawanda kuti zvikwereti zvinoratidzwa pamusoro pekutora mari zviri pachena. Munguva dzedambudziko rezvemari, chokwadi chokuti imwechete inogona kuratidza kuti kuri kuita mari kuburikidza nekukutumira iwe mari mumishumo inopa zvakanyanya kufarirwa nevashambadzi 'maziso pamwe chete.
Munguva dzenhamo yezvemari, kuve mambo ndiye mambo. Ndicho chikonzero munguva yekuderera, iwe unoda mari yakawanda, mari yakaenzana, kana kuwana mari mune imwe nzira yaunogona iwe paunenge wakarasikirwa nebasa rako, kukanganisa kwemusika wekutengeswa uye hausi kuda kutengesa zvikamu zvako pa kuora mwoyo kwemitengo, iwe unotambura kubhadhara chikwereti cheimwe rudzi, wakagadzikana, kana iwe une bhizimisi uye kutengesa kutanga kutama.
Vazhinji vezvinhu zvakanakisisa vanosimudza mari munyika, kusanganisira Tweedy Browne uye Third Avenue, vakagara vaine mari pachiyero chemashizha kuti vashumire se "pfumbi yakaoma" apo magetsi anowira. Kunyange zvazvo mabhadhiki anogona kushanda sekukudzvora paanodzoka apo misika iri kuputika, vanogona kupa zvikomborero zvakakura apo matengo emotokari anotanga kuwira. Munguva iyi, iwe unogona kunge uchinge watora zvishoma mazana mapeji emitengo yemitambo kana mari yemakakiti emari , zvichida kuenderera mberi nekutengesa.
Mutero musasununguti wemasisita unogona kuva sarudzo yakanaka yemhando yakakodzera yevatengesi. Saizvozvowo zvinogona mari yeChechi yeHurumende, zvisungo, manotsi, kuchengetedza mabhuku, kuongorora kambani, nemari yemari yemari. Vashandi vezvemari uye masangano vangapinda mune zvimwe zvigadzirwa zveesoteric zvakadai semapurisa ekutengeserana kana kuregeresa zvibvumirano, asi iyo haisi nzvimbo yevasina ruzivo kutsika.
... uye Chikwereti Mashoma
Chikamu chinokosha chokuderedza dambudziko rako panguva yekuderera kwemari kunoderedza mari yako yakatarwa. Chikwereti chinogona kuva chinhu chinotyisa kana chisina kutarisirwa zvakanaka nokuti inotanga kubhadhara kunosanganisira kufarira, izvo chaizvoizvo zvisingasviki mari ye "kubhadhara" mari. Chinangwa chako chiri nyore, uye haufaniri kukanganwa: Unofanirwa kutungamira nhau dzako kuitira kuti kana iwe ukarasikirwa nebasa rako kana kuti utambudzike, zvisingatarisirwi mari inodiwa, iwe haungave uri pamucheto wenjodzi. Kana zvinhu zvikaoma zvakaoma asi iwe une tarisiro yakakodzera kuti vadzoke kune yakasikwa munguva pfupi, unogona kushandisa kunyange kukwanisa kwako kukwereta kukwanisa kubetsera kwenguva pfupi kuti uite pane zvinhu zvakadai sezvokudya.
Kazhinji, mari shoma, yakasimbiswa chikwereti chevadzidzi uye misha yekutengesa musha ndiyo inonyanya kunetsa. Pane nguva dzose zvisiri izvo - iwe unenge uri mumatambudziko chaiyo kana iwe ukaita $ 25,000 pagore uye uine $ 90,000 muzvikwereti zvevadzidzi (zvinenge zvichigoneka, saka usaora mwoyo!) Asi nekuda kwekubhadhara mutero uye kuderera kwechirwere chekuda, iwe uri zvichida kupinda mumatambudziko nekuva nekadhi kadi yechikwereti kana zvikwereti zvemari. Hazvirevi chete kuti kufarira kunogona kutakura zvakanyanya zvichienderana nekodzero yako, asi haisi mari inobhadharwa, zvichiita kuti mari yavo chaiyo ienzane nezvimwe zvikwereti zvinodhura zvakadhura. Mashoko akanaka ndeokuti iwe unogona kuwana matani emhando huru kunze uko kuti ikubatsire kubhadhara chikwereti chako kuitira kusimbisa rako rebhadha pepa .
Chengetedza Asset yako Balance
Kuisa mari kune zvose zvine musoro. Mazhinji emitambo yemasikirini emitambo inoita zvisinganzwisisiki kune mutungamiri webhizimisi ane ruzivo ane ruzivo rwezvekuverenga uye ruzivo rwemari. Kune munhu akawandisa, ndiani angave asinganyatsonzwisisi kuti chii chiripo kana kuti nei iye ane zvikamu zveS & P 500 index fund , achideredza kusagadzikana (muyero uye kuoma kwekuwedzerwa kwemutengo) kunogona kuva chinangwa chinokosha. Nenzira iyo, ivo vachava vashoma kudarika kuenzana kana vasingatengi pasina kutya.
Iyi nheyo inozivikanwa sega yepafa uye yakaputirwa munyaya inokosha Nyaya yeAsset Allocation . Muchidimbu, chiito chacho hachisi chinhu chinopfuura kutamisa mari yemurimari mumatunhu akasiyana-siyana akadai samatokisi, zvibvumirano, mutengo wemari , zvivako, goridhe, zvimwe zvinhu , makambani emarudzi akawanda, unyanzvi hwakanaka, nezvimwe. Dzidziso inobva pane pfungwa yokuti kwete misika yose yakabatanidzwa - kureva, apo imwe inoburuka, uye imwe inogona kuramba isina kuonekwa kana kuwedzera. Nokudaro, mutengi haasati awedzerwa, zvikwereti zvinogona kubhadharwa, dhora rinodhura zvirongwa zvinotevera, uye mutungamiri wepfuma akachengetedza muchengeti kubva pakuda kwavo kwepfungwa kuti "akunde" misika kuburikidza nekutengeserana.
Muenzaniso wakakwana nhengo dzemhuri yangu yakareba iyo, mushure meSeptember 11 misika yemabhizimisi, yakatengesa matanda mumagariro avo e 401k pakasvibirira mitengo shoma nokuti vaisada "kurasikirwa nemari yakawanda." Kunyange izvo zvingave zvinonzwisisika kune rimwe zuva mutengesi anofungidzira pamusoro penguva pfupi yekutsanangurira kwemashamba emhando dzakaderera, haibati mvura kune vashandi venguva yakareba vari kutenga makambani e-blue chip , kudzorera zvikamu zvavo , nekuramba vachishanda. Vakatamira mumari yemari yemari pamusana apo maitirwo akanga akaderera kudarika avo vainge ava muhafu yezana remakore, chete kuti vawane anemic inouya apo Wall Street pakupedzisira yakadzoka uye yakasvibiswa. Nokuda kworudzi urwu rwemarikiti, purofidhi yakarongeka inogona kuderedza kutya kwako nokuti iwe hausi kuzoona kuwirirana zvakananga neimwe yenzvimbo huru yenyika yezvemari.
Iwe unogara uchinzwa vanhu vachitaura nezvekusiyana-siyana kwezvinhu zvako asi hazvina kumboitika pamusoro pemari yako ye generator! Chinhu chakaipisisa chinogona kuitika kune chikamu chako chepakati panguva yekuderera ndeyekuti iwe unorasikirwa nekwanisi yako yekuita mari uye unomanikidzwa kutengesa zvinhu kuti uwane mari yekugara. Dambudziko nderokuti iwe uri kutengesa panguva iyo kuchengetedzwa (zvikwereti, zvisungo, nezvimwewo) iwe pachako unogona kunge usina mari! Ndiani anoda kutengesa imba yavo mumusika pasi? Asi, ndizvo chaizvo izvo vanhu vakawanda vanoita nokuti vanorasikirwa nebasa kana fekitari inomanikidzwa kutema maawa avo, uye vane chisarudzo pakati pekushandisa mari yavo yekuchengetedza nekushandisa makadhi emakwereti, kazhinji pamitengo yepamusoro. Izvi hazvizodikanwa dai zvisiri zvechokwadi chaiye kuti mhuri dzakawanda hadzisi kudhura mari nokukurumidza zvakakwana apo mari inowira.
Mukuwedzera kune chekuchengetedza rubatsiro rwekukurumidzira, zvinogona kuchenjera kuti ugadzire iwe pachako, wakachengetedzwa kubhadhara mari generator kuti ushumire sechinhu chekuwana mari yemhuri yako. Pakutanga kwebasa rangu, kushushikana kwangu kwaive nekugadzira aya "generator cash" aizounza mari yekutsvaga pasinei nezvandaiita nezuva rangu. Munguva yekoroji, ndingadai ndakagara muchitoro chekofi kuverenga mhete yegore negore uye kuunganidza zvikwereti, zvikwereti, chido, uye mari kubva kumapurogiramu angu akapfuura uye mazvikwereti apo shamwari dzangu dzaishanda mune zvekutengesa zvekutengesa neresitorendi, vachitengesa nguva yavo yebhadharo duku. Iyi nzira yakakosha pakubudirira kwangu nokuti ini handina kubva kumhuri yakapfuma uye ndaiziva kuti imwe yenzira dzakanyatsonaka dzekuvaka mhando yangu yakakosha yaizove yekuisa pfungwa pazvinhu zvisingatauriki - kwandingakwanisi kubhadharwa zvikamu zvinotevera zvakatengeswa mushure mebasa yakanga yatoitwa. Mune mamwe mazwi, ndinoda kuva mhandara yakagadzira mhando itsva yemitemo uye yakatengesa mamiriyoni ezvikwata panzvimbo yekuchera mashizha nokuti rimwe nerimwe rinodhura remuromo rinokonzera purogiramu asi haritsvaki simba rakawanda rakawanda kuti rive nemari yakawanda mu bhizinesi rekushongedza, ndinoda kuisa mumaawa akawanda uye kukanda vanhu vakawanda.
Mazana emamiriyoni evanhu iye zvino anokonzera mari yakawandisa nokutengesa zvinhu paEbay. Funga pamusoro pazvo-ingadai yakange isina kunyatsonzwisisika makore makumi maviri adarika. Kana uchikwanisa kuwana chigadzirwa chevanhu chinoda uye chakakwanisa kuchitengesa pamutengo uye chinokwezva zvakakwana margins, iwe uri kuunza humwe huwandu muupenyu hwako. Kana iwe ukashandisa izvi kuti usabhadhara mari yako, ita mari yekuchengetedza mari, uye ubhadhara chikwereti chako, uchawana kuti hauna kuvimba nebasa rako zvakanyanya, achikusunungura kubva mujeri remafungiro ekuchengetedza. Vamwe vanoshandisa zuva ravo mabasa ekubhadhara mapurojekiti akadai semotokari kushamba, kuchengetedza zvigadzirwa, kana kuvhura chipo chechipo. Hapana chimwe chezvizvi chinhu chaicho uye chinogona kukanganisa mari kana iwe usingachenjeri, asi wakapa zvinhu zvakanaka uye kutungamirira kunokwanisa, zvinoita kuti uwane purofiti.
Funga Kuisa Mari Muzvinhu Zvakanaka
Kana kuderedza kuitika kunofambidzana nemukana wekukwira kwepamusoro-kutengeswa - izvo zvisati zvapiwa - iwe ungada kufunga kuisa mari mune imwe rudzi rwezvinhu zvinooneka izvo zvingangodaro zvisingabatanidzwi nedonho mu simba rekutenga redha. Mune misika yezvino, vatengesi vane zvikwereti zvakakura, mari yakawanda, uye chikwereti chiduku chingakwanisa kuwana zvipfeko zvakakwana muzvivako, kutora zvinhu zvishoma kudarika zvavakanga vachitengesa kwemakore mashomanana apfuura. Iyi inokosha-based approach ndiyo mwoyo wemashoko anowanzoitwa naWarren Buffett kuti iwe unofanira "kuva nemakaro apo vamwe vanotya uye vanotya apo vamwe vane makaro."
Chimwe chete chinonyevera ndechekuti pane humwe humwe huchapupu huripo hunoratidza huripo, mushure mekubhadhara, hupfumi hwekugadziriswa kwezvokugadzirisa zvinhu hunooma zvikuru kuunza mune zvekutengeserana nemashamba emasitosheni sezvazviri nokuita mabhizimusi uye zvikwata zvinowanikwa. Ichokwadi kuti kune nguva dzose, asi pane zvekutenga-uye-kubata, hazviiti sechinhu chakanakidza kwandiri kumushambadzi wepakati asina ruzivo rwepamusoro pamusoro pe macroeconomics uye kushandiswa kwezvinhu zvesimbi maererano neongororo mazinga, somuenzaniso. Dzidziso iyi inotaura kuti idzi marudzi ekutsvaga mari inogona kukanganisa kukanganisa kunoitwa panguva dzekutsvaga kwezvipfeko kusvika kunezvisungo nezvimwe zvikwereti zvisingagadziriswa.
Pane kusava nechokwadi kuti zana remakore rechi21 nderimwe China neIndia. IEuropean Union iri kutouya iye zvino mumakore ekutevera kusvitsa kweEuro, mari yemuenzaniso. Chimwe chirevo kune chikwereti chemushambadziri ndechekuti kuchava nehupfumi huzhinji hwakasikwa kunze kwemiganhu yeUnited States of America. Sezvenyika, tinozviwana tiri munzvimbo imwechete se Great Britain munguva ye1900 Century apo baba vaJP Morgan vakanga vachiita basa rake rebhangi kubva kuLondon uye mutoro wekutumira kune republic yedu yepasi, kuisa zvivako zvedu uye zvikwereti netariro yemari mikuru uye chero chinhu-chinopinda hukuru.
Kunyange zvazvo izvi zvichange zvichange zvichitarisira mamwe matambudziko sezvo sangano redu richigadzirisa kuchinja, kune mari yekugadzirwa uye kubudirira kunobatwa nekushandisa mari itsva yepasi rose. Nhamba dzinoverengeka dzandinoda mari yakawanda inopiwa nemakambani akadai seTatud Avenue naTweedy Browne (kujekesa zvizere: mhuri yangu uye ini ndine zvikwereti nematare aya) atova kupa mabhuku ega ega (nhaurirano dzakachengetwa zvakasarudzwa) yepamusoro yevanhu vanobhadhara mari uye mari yevamwe vanhu iyo inowedzera mari munyika yose.
Izvozvi zvinokosha zvikamu mumushumo wepasi rose nekuda kwechirevo chokuti "apo US sezere, nyika inobata chando," ingasave yechokwadi mune ramangwana. Nokuda kwehuwandu hwemabhizimisi, nyika yose inogona kunge isingabvumirwi nehutano hwezvemari kudzokera kumusha, ichipa bhuku rakanaka. Mutemo wekutanga wekuti Mutengo weParamount unoshanda, zvisinei. Hazvina kukwana kutenga zvigadzirwa zvakanaka, mumabhizimisi akanaka, kushanda kubva munyika inokura nekuti kana iwe uchibhadhara zvakawanda, iwe ucharasikirwa nemari. Ndizvo zviri nyore.
Tarisa Matombo Akavanzwa Makumbo Panguva Yokudzoka
Aimbova mutariri wezvikwata chemari Jim Cramer anozivikanwa nokuti "kune nguva dzose misika yemombe kune imwe nzvimbo." Akanyatsokodzera. Hazvina mhosva kuti hupfumi huri hwakaipa sei, zvisinei kuti zvinotyisa sei pamusika webasa, kana kuti zvakakosha sei mari yekwereti, kune nguva dzose mune imwe chefu yepasi apo zvinoshamisa kuti zviri nyore kuwana mari nekuda kwemamiriro ezvinhu akachinja. Kana iwe usingafungi sekuti iwe unayo unyanzvi hunodiwa, ruzivo, unhu, uye unyanzvi hwekuzviwana mumisika yemari, iwe unogona kunge wakakodzerwa pakuzvisika iwe pachako. Kusava nematambudziko, shure kwezvose, zvinongoreva kuti hupfumi hwose huri kupera - hazvirevi kuti haugone kuwedzera mari yako!
Mamwe makambani angave achiona kuwira kwekutengeswa kwematengo apo mari-yega-yega yega ichienda padenga reimba. Mikana iyo haisviki zuva rimwe nerimwe, asi kana ichiita, unogona kuva nechokwadi kuti iwe une mukana wakareba wekupiwa mupiro wemakore mashanu kana gumi mumugwagwa. Munguva yekuderera kwematambudziko, ndaive ndichiunganidza chikamu chematokari mune mutengesi wechidiki anowedzera nokukurumidza uyo akanga atowira pamatengo ekutengesa. Nhasi, nezvikwereti zvadzorerwa zvakare, kukosha kwegove rimwe nerimwe kwakawedzera kakawanda pamusoro pasinei nekudengenyeka kwema dot-com, hondo yekutya, kukwidzika kwekwereti yenyika, uye kuderera kwemadhora. Sei? Maminitsi mashomanana ekudarika kwemari haagone kuita kuti vechidiki vashandise zvishomanana mumakore ekufamba-famba pamafashoni-mberi denim jeans kana polo shirts. Ndiri kureva, kana iwe uri mubereki, nguva yekupedzisira mwanakomana wako kana mwanasikana wako akapinda musuo uye akati, "Handisi kuenda kunotenga pa [kuisa kambani pano] nekuda kwekugombedzerwa kwekupedzisira muGross Domestic Product"?
Kunyange zvazvo mharidzo inoita runyararo rukuru kana nyika iri mukati, kana kufunga kuti iri kuswedera, kuderera, chokwadi ndechokuti haisi kuguma kwenyika. Kana iwe uchifambisa zvinhu zvako zvakachengetedza, usatarisira zvachose pazuva rako basa rekuwana mari yako, uye mari yakawanda iripo paunenge uchizvirumbidza zvishoma kana pasina chikwereti, iwe uchave wakanaka. Saizvozvowo, kana iwe uchitanga bhizimusi rako pachako uye uise pfungwa yekuchengetedza mari shoma, margins akakwana zvakakwirira, uye kuderedza kushandiswa kwemari mu-line, iwe unenge uchizobuda mberi kwemutambo uchishandisa izvi kuputsika kusvika kudhora rinodhura muhomwe yako. Mukufungidzira, mameneja mazhinji emapuritoreti anyanzvi aishandisa kushandisa kudengenyeka kwegore ra2001 kutenga zvigaro mumakambani aizowedzera kuwedzera.
Zano iri rakaoma kukutevera avo vakaiswa pasi nemari mikuru yezvikwereti zvevadzidzi kana avo vanoedza kurera mhuri. Kana uchinetseka nekubhadhara chikwereti, kutora motokari, mwana wekugadzira, uye chikwereti chekwereti, pfungwa yekusavimba nebasa inogona kutyisa. Asi, mumamiriro ezvinhu aya, ndizvo zvinonyanya kukosha kuti iwe uende-uchapupu hupenyu hwako, kunyange zvazvo huchava hwakaoma zvikuru kune mumwe munhu achiri muduku, asina kushamwaridzana, uye akabhadharwa zvakakwana.
Vaya vakadzidza kukoshesa kwemari mari vanoziva kuti zvinogona makumi emakore kuti vawane rusununguko rwechokwadi rwezvemari uye kuwandisa, iwe ungangosangana nemisungo yakawanda munguva iyoyo, zvichida kunyange kuora mwoyo. Kungofanana nokupinda muhumiro, kuwana dzidzo yako, kana kurera vana vanobudirira, kuvaka chibairo chako uye kuva mupfumi hakusi nyore. Mune dzimwe nguva, dzimwe nguva, inogona kunge yakanyanyisa kunetseka, inorwadza, uye inopisa. Asi pakupedzisira, zvakakosha kana iwe wakazviita zvakatendeseka, zvinyoro, uye zvinoshamisa.
Wadii kuti usatorazve podfolio yako .