Dzidza Mawaniro Ekuwana Mutevedzeri Wezvemari Izvo Zvakakunakira
Kunzwisisa Zvaunoda
Iwe usati watotanga kutsvaga unyanzvi, unofanirwa kunzwisisa kuti chii chaunoda kunze kwegadziri wemari .
Iwe unoda zvakakwana kukaronga mazano here? Iwe unongoda kubvunzurudzwa kworuzhinji? Uri kutarisana nehurongwa hwekugadzira bhizinesi here?
Vakaronga vakasiyana vane nzvimbo dzakasiyana dzeunyanzvi, saka zvakakosha kuti iwe uwane mumwe munhu anogona kugadzirisa mamiriro ako chaiwo. Paunenge wakashongedzwa nedzimwe ruzivo ruzivo rwakapoteredza zvido zvako, iwe unogona kuderedza zvisarudzo pasi kunze kwekufanirwa kupeta nemazana ematarisiro.
Taura nevamwe
Imwe yenzira dzakanakisisa dzekuwana vanogona kuronga ndeyokutaura kune vamwe. Kana iwe uine kambani wenhoroondo, bvunza kana vachiziva nezvevamwe varonga vanogona kubatsira nemamiriro ako ezvinhu. Tarisa neshamwari nemhuri kana ani zvake waunovimba nekutumira zvakare. Zviri nani kuwana mazano ekutanga mazano musati maongorora bhuku refoni kana internet.
Kuita Nzwisiso yeMasikirwo
Mune zvemari yehupfumi yemabhizimisi hapana kushaikwa kwezvigwaro, zvinyorwa, uye mazita, asi kunzwisisa zvavanoreva zvinokubatsira iwe kuziva zvishoma nezvevangatarisira zvirongwa.
- Wakavimbiswa Munyori Mukuru weVanhu (CPA) - A CPA muchengeti wezvinyorwa ane ruzivo uyo akawana dzidzo yakasimba uye yezvinodhaka. ICPA ichava sarudzo yakanaka yematambudziko.
- Personal Financial Specialist (PFS) - CPAs inogona kuwedzera dzidzo yezvemari uye mushure mokunge mushure mokuongorora musangano uye zvido zvezviitiko zvinogona kushandisa mazita eCPA / PFS.
- Chirongwa Chekushandisa Kwemari (CFP®) - CFP ndeimwe yezvinoremekedzwa zvakarongeka zvekugadzirisa zvemari zvinoda kusvitsa makore matatu ezvakaitika, kutevera mitemo yakasimba yemitemo, uye kupedza kuongorora kwenguva refu. Ava vanhu vachakwanisa kupa ruzivo rwakakwana rwemari.
- Chartered Financial Consultant (ChFC) - Izvi zvinowanzoita vashandi vehushuwarisi vanoita mune zvimwe zvikamu zvekugadzirisa zvemari kuburikidza nekuwana zvimwe zvidzidzo zvezvidzidzo mune zvehupfumi uye mari.
- Chartered Retirement Planning Counselor (CRPC) - Chirongwa cheRCPC chinopiwa kuburikidza neCollectic Financial Planning kubvumira vataridzi kuti vanyatsogadzirisa urongwa hwokurega basa . Vanhu ava vanofanirawo kupedza muongorori uye vanosangana nemitemo yakasimba yemitemo.
Ramba uchiyeuka kuti mune mamwe mazita ekudarika makumi mashanu ekushandiswa, saka izvi zvinongova pfupiso yepamusoro yezvinhu zvakajairika zvaungangosangana nazvo. Vamwe varonga vanogona kunge vane mazita akawanda, asi vamwe vangave vasina.
Bvunzurudza Vaverengi
Kana uchinge watowana vashoma vemazano emunharaunda avo vanoita sevanozadzisa zvamunoda, ndiyo nguva yekuonana navo. Chero ani zvake anozivikanwa mutongi wezvemari achabata musangano wokutanga pasina mari. Iyi musangano wekutanga inobatsira iwe neyemugadziri.
Inopa mukana wekuti iwe utsanangure zvauri kutsvaga uye kubvunza mibvunzo, asi mugadziri anogona kugona kana akakodzera basa racho.
Tsvaga Zvavari Kubhadhara
Vatori vezvemari vanogona kubhadharwa nenzira dzakawanda. Uyu mubvunzo unokosha zvikuru unobvunza; nokuti unoda kuve nechokwadi kuti varikukurudzira nekunakisisa kwako mupfungwa, kwete kungotengesa.
- Komisheni - Ichi chave chichigadzirwa nenzira yakajairika yevashandi vemari vanobhadharwa. Izvi zvinorevei ndezvokuti kana iwe ukatenga kutenga, humwe huwandu huwandu hwekutenga zvachose huchaderedzwa uye chikamu chechocho chichaenda zvakananga kumudzidzisi wako. Izvi hazvirevi chinhu chakashata, asi iwe unofanirwa kuchenjerera kuti ivo vasiri kukumanikidza kuti iwe uwane mari kuitira kuti vagone kuita mari.
- Mari Yomutoro - Imwe nzira inowanikwa yekubhadhara ndiyo mari yakazara. Vamwe vanobhadhara chidimbu chemaawa ega yega kana kuti vanogona kutengesa mari yakazara yekuisa pamwe pamwe chete chirongwa chakakwana chemari. Kazhinji, hapachina hanya nekukakavadzana kwekufarira sezvo vari kubhadharwa kana iwe uchitenga mari ipi zvayo kana kwete.
- Mari Yakavakirwa Pfuma - Kunyange zvazvo isiri yakafanana neyeimwe sarudzo mbiri, kunyange ichinyanya kuzivikanwa, vamwe vakaronga vanobhadhara mari yegore negore inotarirwa nehuwandu hwezvinhu zvamakazviisa mazviri.
Kunyangwe izvi zvikave nzira zvitatu dzinonyanyozivikanwa dzekubhadhara, iwe unogona kuwana vakawanda varonga waunosangana navo huchapa kusanganiswa kwezvirevo izvi. Chero nzira, zviri kwauri kuti unzwisise kuti vanobhadharwa sei uye kuti vaone kana izvozvo zvinoenderana nezvauri kuedza kuita kuburikidza nekubhadhara unyanzvi.
Iva Nenyaradzo Nokugadzirisa Kwaunoita
Mushure mekunge maziva zvaunoda, tsvaga zvinyorwa uye kutumira, zvakasangana nevarangarirwe, uye pakupedzisira wakaita chisarudzo, unofanirwa kuve nechokwadi kuti unonzwa wakasununguka neurongwa hwako.
Unyanzvi hwaunosarudza huchada kuziva zvakawanda pamusoro pako nemari yako. Iwe unofanirwa kuva wakasununguka zvakakwana kugovera ruzivo urwu uye kuva sechokwadi sezvaunogona. Kana zvisingaiti, unogona kuisa mari yako pangozi.