Mhuri Inowana, Pfuma & Chikoro muUnited States
Nokuona kuti uri kupi mumitambo yemari yemhuri nekirasi, unogona kuona zviri nani kana kusakwanisa kwako kubhadhara chaizvoizvo kunokonzerwa nekushaya mari kana kuti iwe hauna basa pamari yako kana uchienzaniswa nevavakidzani vako.
Chinangwa chekutsvaga mari
Tisati tatanga kutaura nezvekirasi muUnited States, tinoda kukurukura chinangwa chekutsvaga mari. Kuenzanisira pfungwa yangu: Fungidzira nyaya yevarume vaviri, Greg naJohn. Greg ndiye chiremba uye anowana inenge $ 300,000 pagore. Anofanira kuratidzira kushanda nguva dzose, achishandisa unyanzvi husingawaniki hwaakawana kuburikidza nedzidzo yepamusoro yezvokurapa kuchikoro chezvokurapa uye makore e-on-the-work training. Kana akafa kana kupinda mu coma, mhuri yake ichawana zvishomanana kana kuti hazviwani mari nokuti haikwanisi kushanda. John, kune rumwe rutivi, ane we $ 3,000,000 hotera yekushumira isina kukwana iyo inoita $ 300,000 pagore kwaari. Haafaniri kuimhanya kana kuti kubatanidzwa nenzira ipi zvayo nokuti anobhadhara kambani yekuchengetedza kugadzirisa mitero, vashandi veimba, uye kuchengeta mitemo inodiwa nechibvumirano chake chekutengesa.
Kana Johane achingoerekana apfuura kana asingakwanisi, pfuma yake icharamba ichiita mari yemari, ichidzikisa mhuri mumari. Mhuri yacho inewo sarudzo yekukwereta pamusoro pehutano ivo vane mune imwe nzvimbo yekuwana imwe hotera kana kukura, kuwedzera huwandu huripo. 1
Simba reKubatanidza Mukusarudza Pfuma
Kuvaka zvinhu zvako kuitira kuti zvive zvakakura zvakakwana kuti zviwane mari inobatsira ndiyo chikamu chakaoma; dai zvaiva nyore, munhu wose aive atozviita.
Ndokusaka simba rekugadzirisa zvakakosha. Kuuya nehombe huru yemari panguva imwechete kunotyisa. Asi iwe wakatoziva kuti $ 1 inogona kukura kuva muwandu huwandu kupfuura nguva. Cherechedza kuti pahuwandu hwe10%, mari yekubhadhara $ 10,000 ichawedzera kusvika pa $ 25,937, $ 67,275, $ 174,494, uye $ 452,593, pamwe chete, kupfuura 10, 20, 30, nemakore makumi mana. Kana iwe wakachenjera zvakakwana kuti iwe uwane mari yako makumi maviri uye ugare kusvikira makumi manomwe ako, danda rimwe chete iroro raizokura kusvika madhora 1 173 910. Kana iwe wakakwanisa kuchengetedza $ 10 000 pagore, pane 10% yemari yekudzoka, iwe unenge uine $ 11,639,085 paunosvika makore makumi manomwe (izvo zvingaita sezvinongoita mutemo wakareba, asi kana ukaita zvinopfuura $ 50,000 pagore, zvinogoneka) . Iko mari yakakwana yekuita mari inenge iri pakati pe $ 400 000 uye $ 600,000 gore negore usingatombogunhi mukuru wako, uye kusiya mari yakawanda yevana vako, vazukuru, kana vasiri vasiri mari.
Chii Chinogadzirisa Mhuri Kana Kuverenga Mari Inowanikwa Mumhuri muUnited States?
Mhuri inowana mari inobva kune vanhu vanogara pasi pedenga rimwechete. Kana iwe usina kuroorwa, mari yako yemhuri ichasanganisira chete mari yako. Kana iwe wakaroorana uye iwe newawakaroorana naye mushanda, mari inowanikwa mumhuri inosanganisira zvose zviripo.
Nezvo zvakati, ngatitarisei kutsvakurudza kwaLeonard Beeghley pamusoro pemari yemhuri muUnited States uye kuriputsa maererano nekirasi. Kana uchinge wanyatsoongorora chati (iwe ungada kuzvinyora kuti zvive nyore kutarisa sezvaunoenda uverenge zvakasara zvechikamu chacho), ndichaenda newe kuburikidza nekirasi imwe neimwe uye kutsanangura zvaungada kuita kuti ubatsire kuvaka fuma yako .
Chikoro muUnited States
| Chikoro | Tsanangudzo |
| The Super-Rich (is 0.9%) | Mamiriyoni ane mamiriyoni ane mari inowanzopfuura $ 350,000; inosanganisira vanozivikanwa uye vatongi vane simba / vezvematongerwo enyika. Ivy League dzidzo yakawanda. |
| The Rich (iri 5%) | Mhuri dzine mari inokwana $ 1 mamiriyoni kana kupfuura; kunyanya muchimiro chekuenzanisa kwemusha. Kazhinji, ivai nedhigirijijijiji. |
| Middle Class (Majority; is 46%) | Vadzidzi vadzidzisi vane ruzivo rwakapfuurirwa pamusoro pehuwandu hwemari yekuwana nemari; munhu ari kuita $ 57,000 uye mukadzi achiita $ 40,000 angave akafanana. |
| Kushanda Chikoro (iri 40% -45%) | Bhora rebhuruu nevashandi avo vane mabasa anonyanya kugadziriswa nehupfumi hwehupfumi hwehupfumi; murume ari kuita $ 40,000 uye mukadzi achiita $ 26,000 angave akafanana. Chikoro chesekondari. |
| Varombo (ndiyo 12%) | Avo vanorarama pasi peurombo huri nehuwandu husina kubatanidzwa mubasa revanhu; mari inowana mari ye $ 18,000 inogona kuve yakafanana. Dzimwe dzidzo yepamusoro. |
Nezvishoma zvishoma, kune nzira nhatu chete dzekuita mari nekukura pfuma. Vari:
- Kutengesa nguva yako: Unyanzvi hukuru hwehutano hwako, iwe unokosha kupfuura iwe kune vevanhu. Nyeredzi yeNBA NBA kana neurosurgeon haigoni kuchinjwa, asi kune mamiriyoni evanhu anokwanisa kutakura mabhokisi mumotori. Ndicho chikonzero chekutanga chekuwana mari yepamusoro yebhadharo kupfuura yekupedzisira. Icho hachina chokuita nehutano hunokosha semunhu (vaAmerica vane chido chakatsauka chokufananidza mari nehupfumi nemurume kana mudzimai wepfuma yepanyika, iyo-kana iwe ukandikanganwira - benzi.)
- Kutengesa chigadzirwa kana basa: Kana iwe uine kodzero yekuimba rwiyo, kana pecent, kana mapikikeki, kana purogiramu yemapurogiramu, kana maimba , unogona kukodha, kubhadhara, kana kutengesa pfuma kune mumwe munhu anoda kuishandisa kana kuitora. Mukutsinhanisa, unowana mari. Izvo zvishoma iwe pfuma yako, mari yakawanda yaunogona kuwana kwavari.
Tichitarisa chati iri mukirasi muUnited States, inokurumidza kuratidzika kuti avo vanogara kumusoro ndivo vane unyanzvi hushoma hunovabvumira kuwana mari yakakwirira yegore negore kana kuti ivo vane zvinhu zvisingashamisi, izvo zvinoita mitozi mikuru yemari kuti vawane shandisa. Pane imwe nguva, nhengo dzakangwara zvikuru dzekirasi yakawanda-yakawanda (aka " Capitalist Class ") dzinodzidza kuunza mari kubva kumativi maviri. Jack Welch, nenzira yemuenzaniso, kwete chete ane mazana emamiriyoni emadhora muzvikwama zvemabhizimisi kubva mumazuva ake ari kuendesa General Electric, asi iye zvino anokwanisa kuraira mari huru yekutaura uye mazano ekubvunzurudza kwehutano hwake. Kazhinji, vaviri vacho vanoenda pamwe chete.
Zvinorevei Izvi zvinoreva iwe seNew Investor
Panguva ino, unganetseka, "Zvose izvi zvine chokuita neni?". Mhinduro yacho iri nyore: Kana usina mari yakakwana yokusimbisa uye kuvaka zvinhu zvako, uchafanira kuziva kuti ungawedzera sei kukosha kwenguva yako (semuenzaniso, dzokera kuchikoro uye uve mukoti saka iwe vanogona kuwana mari yakawanda pane imwe nguva kupfuura iwe wekugamuchira vanhu), kana kuti vane mari inogadzira zvinhu. Mahofisi emunyika akazara nemabhuku uye zvinyorwa pamusoro pevarume nevakadzi vaifunga kuti vanogona sei kutora mavoko pamusoro pemari kuti vatange kuwana zvikwereti, chido, uye mvumo. Havasi nani pane iwe!
Ndanzwa nezvevanhu vanobhadhara nechisarudzo kutenga kutenga motokari kushambwa kuitira kuti vaisafanira kuuya nemari yekutenga nokuti vaiva nekwereti yakaipa, kubudirira kushandisa uchishandisa kubhadhara chikwereti. Ndakaziva nezvevanhu vakatenga dzimba vane mari shoma kana kuti vasina mari, vachivashandisa kunze, uye vakashandisa zvakakodzera imba kuti vavake zvakaenzana. Saizvozvowo, kune vadzidzisi vemabhizimisi vanotengesa kambani yavo kune vanhu uye vanoda kubhadhara kutenga, vachikuita kuti ushandise purofiti kubhadhara chikwereti. Kana iwe ukakwanisa kudarika kutya kwako kwokuramba kana kukundikana, uye ita zvose zvinodiwa kuti uderedze njodzi yako kune yakaderera sezvinogona, iwe une mukana pakunatsiridza zvakanyanya mararamiro ako ehupenyu nekusvetuka mumakona akakwirira ehupfumi hwemhuri muUnited States .
Kune avo vasingatendi munokwanisa kuita $ 100,000 kana kupfuura gore kubva kune zvitsva, regai ndikubvunzei izvi: Maawa mangani gore rapera wakanyatsotarisa kushanda kana kutsvaga mikana yekuwana mari yekusarura ? Kana iwe ukashandisa chero nguva zvachose, ndichazofungidzira kuti yakanga yakaderera kupfuura iwe waipedza uchiona terevhizheni kana kushanda mubasa rako renguva yakazara. Upenyu hwakazara nemikana - chero nguva iwe unogona kugadzirisa dambudziko reumwe munhu, unogona kubhadhara iyo. Chinhu chimwe chete chinomira pakati pekubudirira uye rako rezhizha ndiro iwe. Ratidza kuti chii chaunoda kuti uite kuti utange kuunza mari isina kutora uye wozoita nhasi.