Mari Inotora Sei Kuti Uve Akapfuma?

Tsvaga Mari Mari Yaunoda Kuita Kuti Uve Wakapfuma

Wati wambonetseka here kuti mari inotora kuti ionekwe sepfumi? Mune imwe tsvakurudzo (yakarongedza vanhu vanogara muUnited States), vakawanda vaiita sekutenda kuti zvakatora pakati pe $ 2 mamiriyoni uye $ 12 mamiriyoni kuti vapfumi. Izvi zvingaita zvinokwana madhora mazana matatu emadhora makumi mashanu emagore emakore uye zvinokubvumira kuti uwane mararamiro anotevera kunze kwebasa risina basa:

• Bhadhara mitero yose
• Shandisa $ 3,800 pamwedzi pamusoro pemari yekugara

• Iva ne $ 12,000 mumari yakasara pamwedzi woga woga kushandisa chero nzira yaunofarira - motokari, zororo, zvipfeko, zvipo zvezvipo , rubatsiro rwekudzidzisa mhuri yako, varaidzo, nezvimwewo.

Kana iwe uchibvumirana kana kwete iwe unobvumirana nekuongorora ikoko, inyaya inofadza. Zvikwereti zvekuva mupfumi, kuti vapfumi vanoita sei mari, kuti kuisa mari mumatanda , zvibatanidza , mutual funds , zvivako kana zvimwe zvinhu zvinogona kukubatsira iwe parwendo rwako kuti uve akapfuma, uye zvakawanda zvakadai sekuwirirana pakati pezvidzidzo uye kutanga -kugadzirwa kwakanaka.

Ndiwo nyaya yandinoshushikana nayo mushure mekunge ini nomurume wangu taifanira kuvaka pfuma yedu kubva pakutanga, kuunganidza zvidzidzo mushure mokuzviisa kuchikoro, kutanga mabhizimisi, uye kukura svondo redu sarudzo yakangwara panguva. Kushandisa pfungwa dzakadai sekugadzirisa kuenzanisa, takakwanisa kuwana matanho matanhatu-gore sevadzidzi venguva yakazara yekoroji.

Kushandisa zivo yakawanikwa pamakore aya, ndakakwanisa kubatsira munun'una wangu muduku kuvaka chikwata chake chepamusoro pamazuva ake muuto rehondo, izvo zvakamubvumira kuti aenderere mberi ndokuenda kuchikoro chechiremba nechikamu chechikwereti chemari chikwereti vazhinji vevamwe vake inotambura.

"Pfuma" Inenge Yagara Yakagara Yakanyatsorondedzerwa Sechinhu Chine Ukama, Kwete Mhedziso Nguva

Chikamu chakaoma chekutarisa kuti mari inotora sei kuonekwa sekuti mupfumi inobva mukuratidza kuti apo hupfumi hunosimudzira huzhinji hwezvikepe maererano nekuwedzera mune simba rekutsvaga , sezvazvakaitwa kwemazana mashoma apfuura, itsva, yakasimudzwa muitiro wekurarama unotorwa pasina.

Imwe mhuri yeAmerica nhasi inonakidzwa nehupenyu hwepamusoro pane imwe nguva munhoroondo yenyika ino, pasinei nezvose zvinotaurwa nehuwandu hwemashoko zvinogona kuita kuti utende. Zvakaipisisa zvikuru zvokuti mhuri dzose dzeAmerica dzinorarama hupenyu hwehupfumi hwakawanda uye hunyaradzo kupfuura John D. Rockefeller akaita paukuru hwepfuma yake. Kubudirira kwezvinhu zvekugadzirwa kwezvinhu uye kugadzirwa kunowedzera mune kunyange nzvimbo dzakaderera, dzakadai sokukwira kwemazuva ano ekugadzira mishonga, zvakaguma mune imwe nyika yekuAmerica ine maawa makumi mana ekuzorora nguva nevhiki pane imwe yemadzitateguru avo akaita muna 1880. Zvinosuruvarisa, kutsvakurudza kwakaratidza kuti inenge yese yezvipo zveawa makumi mana inopedzwa nekuona terevhizheni.

Mhuri iye zvino ine motokari mbiri pane imwe. Izvo zvinowanzoitwa netsoka yemusha weAmerica zvinonyadzisa kana zvichienzaniswa nababambuya nasekuru. Musha iwoyo ikozvino mamiriro ekunze anotaridzirwa nemhepo yakachena uye kupisa kwepakati. Iine-inoda mvura inopisa uye inotonhora. Wired for Internet-speed. Iyo ine terevhizheni inokwanisa kuratidza mavara akajeka nezwi rinoshamisa, rakapetwa muraibhurari isingagumi yevhidhiyo inopfuura chero chinhu chatinogona kutakura vatakadzi. Hurumende yeUnited States ikozvino inotarisa vakaroorana vane vana vaviri vanoita $ 44,000 kuti vave varombo mune zvimwe tsanangudzo; chinhu chinosemesa paunofunga kuti icho chinoisa mhuri mumutambo wekutanga 1 kusvika kune 2 muzana yenyika yose.

Mune mamwe mazwi, avo vanochema mamiriro emamiriro ezvinhu epakati peboka vari kunyanya kuratidza kusaziva kwavo kwehupfumi. Hungu, inofanira kunge iri nani. Hongu, kutarisira kwehutano uye dzidzo dzekudzidzisa zviri kuwedzera kupfuura izvo zvinochengetedzwa, zvichida, zvishoma, kukanganisa hurumende inokurudzira, kuvhara bhuruu munzira iyo sezvakaitwa mumakore gumi apera. Icho hachichinje chokwadi chokuti hakuna kumbove nenguva yakanakisisa yekuve iine hupenyu hwehuwandu hwevanhu vakawanda venyika ino.

Kunyange zvakadaro, handizvo zvinorehwa nevanhu kana vachibvunza, "Chii chakafuma?". Izvi zvinokonzerwa neiri mbiri dzinofadza mukushanduka kwevanhu kuti mafambiro ehupfumi akanganisa kunzwisisa mumakore achangopfuura.

1. Vanhu vanogutsikana nechinangwa chekuona kwehupenyu hwavo, kwete chaicho chimiro chakakwana chehupenyu hwavo imwe nguva zvishoma zvido zvishoma zvakasangana. Izvi zvinoreva kuti, munhu anobva pakuita $ 25,000 pagore kusvika ku $ 150 000 pagore ari kunzwa kunzwa kufara kupfuura munhu anoenda kubva pakuita $ 10,000,000 pagore kune $ 500 000 pagore pasinei nokuti icho chechipiri ichiri pakati pemhuri inowanikwa muUnited States uye anowana zvakawanda kupfuura zvekare.

1. Vanhu vanogutsikana nokuva nezvinhu, asi kwete kudiwa zvakanyanya, vakapfuma kupfuura vezera ravo, nhengo dzemhuri, shamwari, vashandi pamwe navo, uye vavakidzani. Haisi njodzi iyo mari yakawanda yegore negore iyo mufaro wega wega unofambisa inenge inenge 50 muzana yakakwirira kudarika mari yemhuri yakawanikwa . Panewo chimwe chinhu chegodo chiripo. Kukwereta muenzaniso wakaiswa nemurimi wemari anozivikanwa, unoona vatengesi vanofara kuti vawane bhizimisi ye $ 1 000 000 paWall Street kusvikira vaona murume uyu padivi rakatevera vakawana $ 2,000,000; saka ivo vakasuruvara. Muzviitiko zvizhinji, hazvina maturo asi vanhu vanogadzirisa ruvengo, vanokuvadza mazita avo, vanopesana, uye, mune dzimwe nguva, vakanyanyisa kuvengana nekuda kwekushaikwa kwekururama. Mari yacho, mune mamwe mazwi, yava mumiririri wemafungiro emafungiro - kuti kukoshesa munhu uyu, sei kuchenjera kwavanoonekwa kuti vari, zvakakosha kuti vauye kuboka.

Nzira Yokuziva Nayo Kuti Mumwe Munhu Akafuma Here Kana Kuti Kwete

Paunenge uchikurukura nezvekuwana mari , kunze kwekakosha , "pfuma" inogona kuiswa nenzira nhatu dzakasiyana zvakasiyana siyana zvichienderana nemamiriro ezvinhu:

1. Izvo Zvipfumbuzi Zvikuru: Pasi rose, ndinofunga kuti mutsetse uyu unotanga kune imwe nzvimbo inenge ma $ 80,000 pagore. Mhuri inowana mari iyo muUnited States, uye inomhanya nemumwe munhu ane ruzivo rwemari, inonakidzwa nehupenyu hwehupenyu huri kupfuura, nenzira dzose dzinobatsira, ruzivo rwehuzhinji rwevanhu vari vapenyu pasi pano, iye zvino uye chero ipi zvayo munhoroondo. Pane imwe nyika-chaiyo, ndinofunga inotanga kune imwe nzvimbo inenge madhora mazana mana emadhora emari yemari pano muUnited States. Mhedziso yekutenga yakazara inoshamisa kana ichifananidzwa nemhuri inowanzovhara magonhi ayo vakawanda vasingazivi kuti varipo. Iwe wakanyatsopinda mumunda iwoyo iwe paunopinda mune izvo mumwe muongorori wezvidzidzo anonzi "kupenya kwepamusoro", iyo inotora mutero mari yemhuri ye $ 3,000,000 kusvika ku $ 5,000,000 pagore pane iyo mamwe mahesera emari anopererwa nehutano hwavo uye kuti ave zvishoma pane chikamu.
2. The Relatively Rich: Kana ndakamanikidzwa kukwevera mutsara pane imwe nzvimbo, ndingadai ndaita saizvozvo pa5% kusvika kune 10% yemari inowanikwa mumhuri, zvichida kugadziriswa nenzvimbo dzakasiyana-siyana, nokuti zvinoreva kuti mhuri iri mumamiriro ezvinhu akadarika kunze kwekunowana 90 kusvika kune dzimwe mhuri 100.
3. Vakapfuma Zvechokwadi: Mumwe munhu anogona kufungidzirwa akapfuma kuburikidza nehukama huri nyore pakati pezvido zvake, kudzora nguva, nekudzivirira kubva munjodzi yemari. Izvi zvinoreva kuti munhu anove akapfuma nguva 1. iye (kana iye) anogona kukwanisa kurarama mararamiro aanoshuva chete kubva mumvura yekusarura mari kana kubva kune basa risipo kune tsitsi dzevamwe uye naizvozvo haigoni kubviswa nyore nyore, uye 2. anokwanisa kushandisa nguva yake achiita chaizvoizvo zvaanoda, paanenge achida, kuti anoda sei, kwaanoda. Saka, pane mamiriro ezvinhu andingaona mumwe munhu anowana $ 50,000 pagore kuti ave mupfumi apo mumwe munhu anowana $ 2,000,000 pagore chimwe chinhu zvachose.

Chinangwa chenyu semurima wekutsvaga mari haufaniri kunge uchingosungira pfuma nguva dzose nekudhura kwezvigadzirwa, mabasa, uye zviitiko zvaunoda muupenyu hwako. Pane kudaro, zvinofanirwa kuziva kuti chii chaunoda, mari yakawanda yemwedzi iwe waunoda kuibhadhara, uye zvino tinokwanisa kushanda pakuverenga mari yose inenge ichidiwa kuti tishandise mararamiro iwayo. Mari ndiyo chiripo chiripo kukushandira iwe. Icho chichange chiri chinhu chisingareveki kuti upedze hupenyu hwako huchienda kure kuti uwane hupfumi hwausingazombofariri kana kuzviita kunouya nekudhura kwomufaro wako pachako. Chinokosha, sezvikamu zvakawanda zvehupenyu, "kuzviziva iwe". Kana iwe uine mukana wekuti uve wepakati, iwe pawakaberekwa, mazuva 27,375 akaiswa mubhadharo yako yebhandi yakafa. Iwe wakatotora nguva yakawanda yazvo. Rimwe zuva, awa rinopera kuitira kuti iwewo uve nechokwadi chekuti iwe unowana mufaro unobva pane imwe neimwe yamazuva iwayo wapiwa chipo kuburikidza nehuipi hune simba kana unhu hwako.

Enda kuburikidza nehupenyu kuunganidza zvinhu, kudzivisa zvikwereti; teerera kutarisa kwemafairo ; ona kuti ungabhadharwa sei kuti uite zvaunoda. Kune vamwe, izvi zvinogona kunge zviri kugara mune imwe imba muColorado, kubata uye kuverenga zuva rose, kushamba nembwa wako anodikanwa, nekudzidza kutamba chiridzwa. Kune vamwe, zvinogona kureva motokari dzinodhura, wadhirobe ye bespoke Ede uye Ravenscroft pamwe nekutarisana nekutengesa George Cleverley shangu, akapfeka Creed Bois duPortugal paunenge uchidzidza chikoro chako mune imwe tsika yako yakangogadzirwa Clive Christian kuongorora pa $ 250,000 yako Patek Phillipe Great Complications watch ine diamondi isina chaipo. Hapana mhinduro yakarurama uye isina kururama. Imwe haisi nani pane imwe. Ivo vakangosiyana; nhau yehutano hwayo pachayo yakafanana neyimwe inosarudza nyama yemombe uye vamwe vanosarudza huku.

Chinangwa changu pakunyora pamusoro pekutsvaga mari, mari, kubhadhara, mahofisi ekuchengetedza, dambudziko, diversification, nezvimwe zvidzidzo zveupenyu, ndekukupa zvimwe zvidzidzo zvandakadzidza parwendo rwangu kuitira kuti rufambiro rwako ruve zviri nyore.