Vakaroorana Vakaropafadzwa Vane Pfuma Yakanakisisa Pamusoro pe 1. Ndezvipi Zvako?
Kwemakore akawanda ndakashamisika chaizvoizvo zvinoita kuti vashandi vasara vafare kana kuti vasina kufara. Pandakaitisa kudzidza kwangu kuwana mhinduro chaiyo, pane zviitiko zvakawanda zvisingashamisi. Asi, paiva nevamwe vashomanana vandakawana zvishoma zvinonakidza. Semuenzaniso, mitsva yangu yekuongorora yakawana kuti BMWs ndiyo yepamusoro yemotokari yemotokari mumagareji asina kufara evakatambira muAmerica. Asi BMW yakanga isiri yega motokari yakawana rap yakaipa.
Imwe motokari pane iyo inosanganisira Chrysler, Dodge, Kia, uye Mercury. Kune rumwe rutivi, zvinoratidzika kuti avo vakasiya basa vanotya Lexus, Nissan, Hyundai, Subaru naBuick vakafara chaizvo. Kunyange zvazvo izvi zvisingatauri kuti retiree yose inotungamirira BMW haina kufara kana kuti retiree yose inotya Lexus inofara, data inoita kuti tifunge kuti ndeipi yemotokari garaji redu iye zvino.
Waizviziva here kuti vatorwa vanoedza ruoko rwavo sevatengesi vemabhizimisi sezvo basa ravo rechipiri kazhinji risina mufaro? Kutamba mumusika hakusi kune vane moyo wakaneta uye kunowedzera kushungurudzika kwakanyanya kweupenyu hwevakasiya. Kunyange kana iwe ukatarisa CNBC zuva rega roga uye uchifunga kuti unoziva zviri kuitika, yeuka kuti zvakanakisisa kusiya chikwata chezvikwata kune vadzidzisi chaivo. Vasingafari vakaroti vanofunga zvakare kuti chinangwa choga chokuva nemari mukurasikirwa ndekuve nemari mukutora basa. Izvi zvinopesana nezvinofadza vatorwa vanoona mari, vanoziva kuti ndiyo nzira chete yekurarama hupenyu hunofadza, kwete kuguma chinangwa.
Mari yako inoda kuva nechinangwa!
Pamusoro pezviitiko zvose zvevasina kufara vakaroora vandinoda kutaura pamusoro, imwe iyo ini ndinotenda inotakura zvakanyanya uye iri nyore kunzwisisa ndiyo Rich Ratio .
Chii Chinonzi Ratio Rupfumi?
Mupfumi Ratio chiyero chandakasika kune vanhu nemhuri kuti ndivape nzira iri nyore yokunzwisisa mari yavo.
Zvimwe chete, Rich Ratio ndiyo mari yaunayo maererano nehuwandu hwemari yaunoda.
Somuenzaniso, kana iwe unokwanisa kubudisa $ 10 000 pamwedzi uye unoda chete $ 5,000, iwe uri mupfumi! Nenzira imwecheteyo, kana iwe unokwanisa kukwanisa $ 1 biliyoni pamwedzi, asi iwe unoda $ 2 biliyoni, iwe hauna kupfuma. Vanofara vatorwa vanokudza kukudzwa kwevapfumi. Chero chiyero chepamusoro pe1 chinoshamisa. Chero chiyero chiri pasi apa chinoratidza kuti pamwe une rimwe basa raunofanira kuita.
Nzira yekuwana nayo Ratio Ratio: Tora mari yaunowana pamwedzi iwe uchange uchisvika (social security + pensions + chero imwe mitsara inowana mari), kusanganisira kuti dendere rako rinofanira kubudisa chii, uye kuritanidza nezvaunotarisira kushandisa mwedzi mumwe nomumwe kuti urarame kusununguka iwe unoda:
Ita / Ida = Zvakanaka Ratio
Ngatitarisei mumienzaniso miviri uye ona kuti munhu ane mari shoma yakachengetedzeka angakwanisa sei kuva neHurati Ratio yepamusoro uye zvichida anogara achifara.
Muenzaniso # 1:
Karen ane chido chekufamba. Anoda kufamba zvakanyanya zvokuti achada $ 10 000 pamwedzi kuti atsigire rudzi urwu rwemararamiro ekurega basa. Karen ane mukana wepenjeni kubva mumazuva ake mubhizinesi rekuparidzira (1 000 / mwedzi) pamwe nekuchengeteka kwevanhu mune makore 62 e $ 1,800 / mwedzi. Akachengetedza $ 1 000 000 muna 401 (k).
Karen's = = $ 1 000 (pension) + $ 1,800 (social security) + $ 4,100 [5% 401 (k) pamwedzi] = $ 6 900
Karen's Need: $ 10,000
Karen's Rich Ratio = $ 6,900 / $ 10,000 = .69
Tichifunga nezveRiche Ratio iri pasi pe1, handifungi kuti Karen "akapfuma" zvachose.
Muenzaniso # 2
Zvino ngatitarisei Tom. Anoda $ 3 500 chete kuti ararame hupenyu hwakanaka, muchidimbu nokuti imba yake inobhadharwa. Tom anewo mudiki wepenjeni ($ 1,200 / mwedzi). Achawana kuchengetedzwa kwevanhu munharaunda ye $ 1,800 uye ane $ 400 000 mumakore ake 401 (k).
Tom's Have = $ 1,200 (pension) + $ 1,800 (social security) + $ 1,650 [5% ye 401 (k) pamwedzi] = $ 4,650
Tom's Need = $ 3,500
Tom's Rich Ratio = $ 4,650 / $ 3,500 = 1.32
Kunyange Tom aine 'Ane zvakawanda zvishoma kupfuura Karen, saka ndizvo zvaanoda. Tom, ane mari shoma shoma yakachengetedzwa yakaitwa naKaren, ane ruzivo rwakanakisisa Ruchivo pa 1.32, achienzaniswa naKaren's .69.
Saka kunyange zvazvo Tom ane mari shoma shoma (uye zvishoma mubasa rekuchengetedza mari), iye ari mupfumi kupfuura Karen. Kubva pane nhamba idzi, Tom ane rufaro mune ramangwana rake, uye zvinosuruvarisa Karen haana.
Kana iwe usati watova, tora nguva yekuona R Rich Ratio yako! Iwe unogona nguva dzose kuita tweaks uye kugadzirisa kuti uve nechokwadi chokuti Rich Ratio yako iri pamusoro pe1 kuitira kuti iwe uzvigadzirire iwe pachako kuti ufare uri kurega.
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo