Mashandisiro Aungaita Mutemo we 72

Mutemo unofadza, asi kwete sechinhu chinobatsira sechirongwa chepamutemo

Mutemo we 72 ndiwo mutemo wemasvomhu unoita kuti uuye nyore nyore nechiyero chekufungidzira kuti zvichazotora nguva yakareba sei kudarika dendere rako mazai kune imwe nzira yekudzoka. Mutemo we 72 unoita chidzidzo chakanaka chekudzidzisa kufananidzira kukanganisa kwemitengo yakasiyana yekudzoka, asi inoita sarudzo yakashata yekushandisa pakujekesa kukosha kweramangwana rekuchengeta kwako, kunyanya sezvo iwe uri pedyo nekurasikirwa. Ngatitarisei kuti mutemo uyu unoshanda sei, uye nzira yakanakisisa yekuushandisa.

Kutongwa Kwakaitwa 72 Kunoshanda Sei

Tora 72 yakaparadzaniswa nekubhadharwa kwekutsvaga (kana kuti chikwata chekuda mari yako ichawana) uye mhinduro inokuudza nhamba yemakore inotora kuwedzera mari yako.

Semuyenzaniso:

• Kana mari yako iri mubhuku rekuchengetedza iri kuwana zvikamu zvitatu pagore, zvinotora makore makumi maviri nemana kuti uwedzere mari yako (72/3 = 24).
• Kana mari yako iri muchikwata chekuchengetedza mari yaunotarisira inowanzosvika 8% pagore, zvichakutora iwe makore mapfumbamwe kuti uwedzere mari yako (72/8 = 9).

Iwe unogona kushandisa iri Rule ye 72 Calculator kana iwe usingadi kuzviita iwe pachako.

Shandisa seChimwe Chekudzidzisa

Mutemo we 72 unogona kubatsira senyanzvi yekudzidzisa kufananidza zvidikanwi zvakasiyana siyana uye njodzi dzinobatanidza nekutsvaga kwemazuva mashomanana nekuenzaniswa kwemazuva akawanda.

Somuenzaniso, kana iwe uri kutora rwendo rwemaira kusvika mumugwagwa wekona, hazvina basa kana uri kutyaira makiromita gumi neawa, kana makiromita makumi maviri paawa. Iwe hausi kuenda kune imwe nzvimbo, saka kuwedzera kwekukurumidza hakuzoiti misiyano yakawanda pakukurumidza kwaunosvika ikoko.

Kana iwe uchifambisa nyika, zvisinei, kuwedzera kukurumidza kuchaderedza zvakanyanya nguva yaunopedza kutyaira.

Kana zvasvika pakuisa mari, kana mari yako inoshandiswa kusvika pfupi pfupi yemari yekuenda, hazvina basa kana iwe ukawana 3 muzana yemari yekudzoka kana ne8 muzana yehutano.

Kubva pane kuenda kwako hausi kure, kubhadharwa kwekuwedzera hakuzoiti misiyano yakawanda pakukurumidza iwe kuunganidza mari.

Inobatsira kutarisa izvi mumadhora chaiwo. Uchishandisa Rule ye 72, iwe wakaona kuti kubhadhara mari inowana 3% inowedzera mari yako mumakore makumi maviri nemaviri; imwe inowana 8% mumakore 9. Iko kusiyana kukuru, asi kuve mutsauko mukuru sei mushure megore rimwe chete?

Ngatiti iwe une $ 10,000. Mushure megore rimwe chete, mune gwaro rekuchengetedza pane 3% yekutora mutengo, une $ 10,300. Mune mari yekutengeserana inowana 8%, une $ 10,800. Kwete musiyano mukuru.

Tambanudza kuti gore rose 9. Munhoroondo yekuchengetedza, iwe une $ 13,050. Muchikwata chenhamba, mutual fund maererano neRule ye 72 mari yako yakawedzera kusvika ku $ 20,000. Kusiyana kwakakura kukuru. Ipei mamwe makore gumi nemana uye iwe une $ 17,000 mukuchengetedza, asi anenge $ 40,000 mune yako stock index fund.

Kupfuura nguva yakareba nguva yakagadziriswa, kuwana mari yakakwirira yekudzoka haina zvakawanda zvingakanganisa. Pamapuranga akawanda kwenguva refu, inodaro.

Iro Mutongi Unobatsira Sezvo Iwe Pedyo Nokurasikirwa?

Mutemo we 72 unogona kutsausa sezvo iwe uri pedyo nekurega basa. Ngatiti iwe une makore 55, une $ 500 000 uye unotarisira kuti iwe waunowana kuti uwane mari inenge ye7% uye kaviri pamakore gumi anotevera. Unoronga kuva ne $ 1,000,000 pazera remakore 65.

Iwe iwe? Pamwe, zvichida kwete. Kwemakore gumi anotevera, misika inogona kununura yakakwirira kana yekudzoka kwakadarika pane zvinotungamirira iwe kutarisira.

Nokuverenga pane chimwe chinhu chinogona kuitika kana chisingaiti, iwe unogona kuchengetedza zvishoma, kana kukanganwa mamwe matanho ekukosha ekuronga semutambo wegore negore.

Mutemo we 72 ndiwo mutemo unofadza, uye yakanaka yekudzidzisa, asi ndizvo. Usavimba nayo kuti uverenge mari yako yeramangwana. Pane kudaro, ita urongwa hwezvinhu zvose zvaunogona kudzora, uye zvinhu zvausingagoni. Iwe unokwanisa kudzora chirwere chekudzorera iwe uchachiwana here? Aiwa. Asi iwe unogona kudzora dambudziko rekutsvaga iwe unotora, kuti unochengetedza zvakadini, uye kuti unoongorora kakawanda hurongwa hwako.

Kunyange Zvisingabatsiri Kamwe Paunenge Uchishanda

Kana uchinge wapedza basa, kunyanya kunetseka kwako kuri kutora mari kubva muzvikwereti zvako, uye uchifunga kuti mari yako ichagara kwenguva yakareba zvichienderana nekuwanda kwaunotora.

Mutemo we 72 haubatsiri nebasa iri. Pane kudaro, unofanirwa kutarisa mazano sekuita nguva yenguva , iyo inosanganisira kufanana nepamusoro pekutsvaga kwako nechinangwa panguva yaunoda kuishandisa. Iwe unodawo kudzidza kudzidza kutora mitemo inobatsira iwe kuona kuti iwe unogona sei kuchengetedza gore negore panguva yekurega. Chinhu chakanakisisa chaungaita ndechokuti iwe pachako uite chirongwa chekubvisa mari yako purogiramu yekubvisa mari yako nguva yekukubatsira kuona pachena kuti zvidimbu zvichazobatana sei.

Kana kukaronga kwemari kwaiva nyore, iwe ungasave unoda nyanzvi kuti ubatsire. Muzvokwadi, pane mhando dzakasiyana-siyana dzekutarisa. Kushandisa mashoma equation hakusi nzira yekushandisa mari.