Inonyanya Kubudirira Nzira Yokuramba Yakabatwa Mubhadharo Kubhadhara Lifestyle
1. Kutengeswa Sezvaunowanzoita
Imwe yenzira dzakanyatsonaka yekupedza pfuma yako ndeyekushandisa mari yakawanda inogoneka pamakomisheni, mari, kupararira, nezvimwe zvinoshandiswa.
Nguva imwe neimwe kana uchitenga kana kutengesa chikamu chesaiti , iwe uchatora kubatanidzwa kweizvi uye hazvitore zvakawanda kuti zviite kukanganisa kwechokwadi. Kana iwe waizobhadhara madhora gumi ekutenga uye kutengesa mairairo, uye wakatenga uye akatengesa mashizha kamwechete pavhiki, mamisheni ako oga aizouya madhora 1,040. Kunyangwe pane imwe nzvimbo ye $ 100,000, izvo zvichatora zvakanyanyisa zviwanikwa zvako munguva. Kuti uwane mamwe mashoko, verenga Frictional Expenss - Hidden Investment Tax .
Kukanganisa kwakawedzerwa kana iwe uine zvinhu kuburikidza nemutengesi, bhengi, chivimbo, kana dhipatimendi rehupfumi hunokupa chikwereti chakasarudzwa chemari yako, kazhinji 1%, gore negore. Wedzera kumusoro kwekuti mari yaunobhadhara pamari yako yemari uye usingazvizivi, kana kutengesa mari pamari ine mitoro uye wakabudirira pakuzvinyima mari gore negore. Hautendi kuti zvinogona kuitika? Ndinoziva ruoko rwekutanga rwemamwe makambani anochengetedza mararamiro ekuchengetedza mararamiro anokweretesa vatengi mari inenge 1% yezvigadziro gore negore, uye anobva avhara mari yakawandisa muS & P 500 mari yehurongwa nemari inoshandiswa kubva mu1% kusvika ku125% (kana ichienzaniswa kusvika pasi pe 0.10% kune mutungamiri wemabhizimisi akadai saVanguard).
Kuti uwane mari yekudzoka yakanaka, iwe unofanirwa kukunda kwete chete chikamu uye mari inowanikwa mubhadharo, asiwo 2% kusvika ku 2.25% mari yawakakurova kubva panguva yekutanga iwe unotanga nhoroondo. Kana vaizogadzika danda muhomwe yehombe , vazhinji vavo vanorayira izvo zvinonzi 2 uye 20 zvirongwa apo muchengeti anobhadhara 2% yezvigaro pagore pamwe chete ne20% yezvibereko, uye zvichava zvese zvakakwana masvomhu zvisingabviri mubhadhari wekurova mushambadziro wemari.
Izvo zvisinganzwisisi kwandiri kuti nei mhizha yemari yakarumbidza kambani iyi sekushandira vatengi vayo zvakanaka.
2. Gadzira Chikwata Chekambani NeP / E Ratios paTsika 3x Sepamusoro seS & P 500
Kuparadza zvachose fuma yako, unofanirwa kubhadhara zvose. Izvozvo zvinoreva kutenga mabhizimusi anodhura, pamatengo akakwirira anokwanisika sezvakaenzana nehuwandu hwep / e , pasina tariro chaiyo yekuwana mubayiro wekukohwa kudarika nguva yakareba yekudzoka pahurumende dzehurumende dzeU.S. Hazvisi zvakaipa zvose, kunyange zvakadaro, nokuti iwe uchange uine kufara kwenguva pfupi yekuva nematokari anoshamisa "ane sexy" anotaurwa pamusoro pese neWall Street nevaya vanoenda kune dzimwe nguva.
3. Isai Pfuma Pamwe Chete Nematare eCorrelated Risk
Imwe nzira yakakura yokuzvikuvadza iwe uye tariro yako yekuzvimirira mari ndeyekuvaka kukohwa kwemashamba uye zvimwe zvinhu zvawakagutsikana iwe pachako zvakasiyana-siyana asi, chaizvoizvo, zvakabatanidza ngozi inoshandiswa mukati rose. Funga nezvomumwe munhu ane purojekti yakagadzirwa nemakambani gumi-McDonald's, Wendy's, Starbucks, IHOP, Yum, Sonic, Ruby Chipiri, Burger King, Panera Bread, California Pizza Kitchen, Chipotle Mexican Grill, uye PF Chang. Zvadaro ,zvirumbidze kune shamwari dzako dzose pamusoro pekuti iwe une zvikwama zvakakwana sei kunyange Kukura Kwekukuru hakukwanisi kutora iwe pasi.
Zviri pachena, munyaya iyi, kuwedzera kwezvinhu zvekutengeserana kwega kwega zvinogona kuputsa purogiramu yekubata kwako. Imwe muenzaniso ingadai iri mumwe munhu ane podfolio yazara nematokari emabhangi uye makambani einishuwarenzi-kana mabhizinesi eInternet.
4. Kutenga Zvokutenga Zvimwe Zvausinganzwisisi
Ndiani anoda kuteerera kuvanhu vakaita saWarren Buffett sezvavanoramba vachitsvaka kunaka kwekugara mukati memakwikwi ako eunyanzvi? Kana iwe mutengesi kana shamwari iwe uchitaura kuti chikwata chiri kukwira uye iwe wakatsaurirwa kurasikirwa netsumo yako shorts, uitenge. Pashure pezvose, nhamba yavo inopfura pakuve yakarurama imwe yenguva dzakawanda inokanda dice. Zvingave zvakanyanyisa benzi kutenga mabhizimisi anoita zvinhu zvinokanganisa sekhofi, kuvhara gaskets, uye mahofisi emahofisi apo iwe unogona kutenga mauto emakambani ekutengesa fesiteteri emaferensi nemafekitari munyika iwe wakatendeseka usina kumboziva kuti wakavapo.
5. Tenga Kugoverana neHigh Accruals-uye Zvimwe Zvekutsvaga Zvimwe
Apo vaongorori vanotaura pamusoro pezvinonzi zvinhumba zvekuwana mari, vanowanzokurudzira vatengesi kutenga zvigaro zvemakambani uko mari inoyerera haisi yakasiyana zvikuru kubva kune inonzi yakawanikwa mari. Mune mabhizinesi aya, vangave vachikakavadzana, zvikwereti zvinouya nenzira yechando, mari yakaoma. Pshaw! Ndiani anoda izvozvo? Kuti uwane pfuma chaiyo kuparadza, utenge chete makambani apo maonde emari inowanikwa mumatare akasiyana-siyana kubva kumashoko ekudhura kwemari. Zvichiri nani, tarisa hutungamiri nemazita emumvuri uye unogara achigadzirisa chiyero chekuderera kana chirongwa chepensheni yekufunga nezvekugadzirisa mhinduro dzakataurwa. Nokuda kwekugwinya kwakanaka kwekike, iva nechokwadi chokuti vanobhadharwa zvachose muzvinhu zvakaderera zvekutsvaga zvigadzirwa uye vanochengetedza huwandu hushoma muhutori.
6. Bhadhara Maximum Taxes uye Mhosva Dzinogona
Hapana chinogona kukupa urombo kuburikidza nekukwirira kwemitero uye hurumende-kutongerwa chirango. Nzira yakakurumidza kuunza izvi iwe pachako ndeyekudzorerwa mune imwe yekona kuitira kuti ugone kutora 401k yako kana Mutambo IRA , uchibhadhara mitero yaunowana iyo yaive yakakodzera pakutanga, pamwe nekuwedzera kwe 10% pane izvo. Iyi nzira inonyanya kubudirira pakupfuma kuparadzwa nokuti unogona kupedza shanhatu kana sechinomwe chikwata cheporofiti mumushure memasekondi chete nekubvumira kubviswa.
7. Kuwedzera Dhedu Deductible Chikwereti
Izvo zvikwereti zvakanyanya-kana kuti iwe uri pfuma kuparadzwa, munhu anogona kutaura kuti ane mutsa wakanakisisa-ndiyo iyo isiri iyo inobhadhara mutero uye inotakura chikwereti chakakwirira. Mukuru pakati peizvi chikwereti chekwereti chikwereti, icho chingawanzoshanda chakakwirira semakumi maviri kana makumi matatu kubva muzana. Kana iwe unonyatsoda kuchenesa zvinhu zvako, hapana nzira iri nani yekuzviita pane kuisa miyero pamakadhi epurasitiki, kunyanya nezvinhu zvinokurumidza kupera zvakadai sedzimba shoma uye magetsi.