Hupenyu Hwechokwadi Zvidzidzo kubva kuSiki weMcduck Enterprises
Kusungirirwa pamadziro pedyo nedhesiki mune rimwe remahofisi angu ibasa rakanaka rakagadzirwa nebhuku rainzi "Embarrassment of Riches" nemunhu anozivikanwa nemabhuku anonzi Carl Barks. Mariri, Scrooge McDuck, muzukuru wake Donald, uye vazukuru vake Huey, Dewey, uye Lewy vari kuongorora zvakadzika zvegoridhe nevaridzi mubhadha yemari. Sezvandinotarisa kubva kumushumo wekutsvaga kwemari pamberi pangu panguva iyoyo, ini ndinowanzofunga nezvezvidzidzo zvakaitwa naMalume Scrooge; zvinhu izvo zvakanyanya chikamu chebasa randinovaka iye zvino uye nzira iyo mari yangu inoshandiswa nayo.
Zvinogona kunge zvisingaenderani kune avo vasingandizivi zvakanaka, asi zvakasikwa kuti McDuck aiva mumwe wehutatu hwangu hwehuduku. Sezvo munhu akaberekerwa mumhuri yepakati-kati, ndaiziva kuti zvakawira kwandiri kuvaka imba yehupfumi dai ndaizova neyese; kunyange kutora lotto kwakanga kusingabatsiri nokuti kwaisazove kwakanakira kuwana kana kukodzera (vabereki vangu vakashanda zvakaoma zvikuru uye izvo zvakaiswa mune rimwe nerimwe revana ). Sezvandakadzidza Peter Lynch, Warren Buffett , Charlie Munger , Ben Graham , nemamwe ma greats, Scrooge akangoita nzira yake muhutano hwakagadzirwa hwakazova huwandu hwangu hwokutsvaga. Zvakanga zvikamu zvidzidzo zvandakadzidza kubva kwaari zvakandibvumira kuti ndiende kubva kune imwe nzvimbo yepamusoro uye pasina ruzivo uye rudiki ruzivo runoshanda kubva kubhuku rekuberekorora raive neArt Line reports, Bic ballpoint uye padhi remapepa kumamiriro angu ezvinhu ikozvino negoridhe-rimmed china , yakanaka fountain pens, uye in-kuda kubvunzurudza nzira inoita kuti ndiongorore zvipikirwa zvangu kubva mukunyaradza kwezvenzvimbo dzakagadzirwa nemifananidzo.
Heano zvimwe zvezvidzidzo zvandakadzidza kubva kuRichest Duck Munyika. Ndiri kutarisira kuti vachakubatsira iwe kuvaka pfuma yako , sezvavakandibatsira.
Kushambadzira Simba reKubata Mari Yekudzokera
Scrooge akanga asingatendi muReagan "anowedzera pasi" mari. Akatenda mune chimwe chinhu chinonzi "chengetedza" mari.
Sezvo imwe webhusaiti inotsanangura dzidziso iyi, "Apo (Scrooge) achibhadhara vanun'una vake mubairo wemasenti makumi matatu neawa anoziva kuti vachashandisa mari yacho kutenga tarefu, fizzy sodas pane soda fountain iri pedyo. Zvadaro soda tsime vanhu vachashandisa mari yacho kutenga zvigadziri zvinowedzera pamakemikari emakemikari, uye chigadzirwa chemakemikari vanhu vachatenga zvigadzirwa zvavo kubva kumashandi emakasa emarasha - uye ndiani ane malahle emakasa? Uncle Scrooge! Nenguva iyo makumi matatu makumi mashanu adzokera shure kuna Uncle Scrooge ivo vakakura kusvika masikati makumi matanhatu. "
Muhupenyu hwangu, izvi zvaibatanidza nekugadzira imwe nzvimbo yekutengeserana e-commerce nzvimbo iyo yakatengesa zvipfeko zvomunhu. Mhuri yangu yaiva nefekitari yakawanda yakashanda seimwe yevatengesi vese vekambani saka patakaisa mirairo uye takabhadhara mutengo wezvinhu zvakatengeswa , mari yacho yakatumirwa kubva kune e-commerce yeboka, iyo yatinazvo, kune fekitari, yakasiyana bhizinesi isu tinewo! Kuti tiratidze kukosha kwedzidziso iyi, tinoisa mari pasefekitari mukodhi rekwereti iyo yaishandiswa kutenga mashizha, zvisungo, pamwe chete nemari . Funga nezvazvo sekambani yakadai seBerkshire Hathaway ine Nebraska Furniture Mart inotenga motokari yemotokari yayo kubva kuGeico nekutengesa See's Candies mukati mechitoro, kunyange zvazvo pane zvishoma zvishoma.
Kudzidza, uye ipapo Kubvumira, Kupa uye Kuda Kusiyana
Mune imwe nyaya yeklasiki, njodzi yakakonzera Uncle Scrooge mari yemabhadharo yakazara yakazaruka uye inoshamba mari pasi kune vagari veDuckburg. Pakarepo vachizviwana vaine fantasti vakapfuma, vanhuwo zvavo vakasiya zuva ravo mabasa uye panzvimbo pacho vakaisa mari yakawanda semuzvichengetedzi. Maresitorendi akavharwa, mapurisa akasiya mapurisa, vadzidzisi vakaenda muzororo, uye zvivako zvehofisi zvakanga zvasiyiwa.
Unflustered, McDuck akatora vana vake vaiva-panicked (avo vakangwara vakaziva kuti guta iri riri kuparadza nhaka yavo) papurazi kunze kweguta. Asinganzwisisi kuti sei Scrooge akanga asinganzwisisiki kana kushungurudzika, vakaramba vachitsvaka kufadza kuna babamunini vavo maitiro ehutsva. Asingavapi nehanya navo, akavaraira kuti vamubatsire kutora zvimwe zvishandiso uye ivo vana vakatanga kusona mbeu.
Sezvo nguva yakapfuura, kukohwa kwakatanga kukura uye mhuri inoita seyokugara yakararama purazi.
Panguva chaiyo nguva iyo zvirimwa zvakanga zvagadzirwa, guta racho rakanga rabuda kunze kwezvokudya. Scrooge akatendeukira kune vazukuru vake uye akatsanangura kuti iye zvino aive nemugove wega wekupa michero, miriwo, uye zvimwe zvekudya munzvimbo iyi, achimubvumira kuti agare oga pane zvinhu zvaidiwa kuti apone. Anokwanisa kutumidza mutengo wake, pasina nguva, McDuck akakwanisa kudzorerazve fuma yake yose, achidzidzisa vacheche chidzidzo chaikosha mubasa rakaoma uye kushandiswa kwekugoverwa uye kudiwa kwenguva.
Warren Buffett akamboita chinhu ichocho mumapatoti ake pachavo nekuwana mhangura apo kuburitswa uye kudiwa kwehukama hwakasununguka. Pave paya, akava neBerkshire Hathaway achidzokorora kubhadhara apo yakawana chikamu chikuru chezvesirivha zvepasi rose.
Tora Your Investment International
Munenge nenyaya imwe neimwe, Uncle Scrooge angawana shoko kubva kune rese pasi rese yebhizimisi kana kufamba munyika yose kuti awane varairi vashoma uye zvivako. Mumazuva ake okutanga, akaita hupfumi hwake muYukon iri kure. Icho chinhu chiri nyore: Hapana chikonzero chekutenga zvikwata nehupfumi chete muUnited States.
Iye zvino, kana iwe uchingotanga kubuda, zvingasaita kuti tive nepfungwa dzakawanda kutanga kutenga zvigadzirwa zvepasi rose. Kunyange zvakadaro, sekukosha kwevatengesi, kune zvakawanda zvingafanirwa nekubudirira zvakapetwa nhamba yezvingave zvisingabatsiri mashizha aunogona kuwana nekutarisa kunze kwemiganhu yeAmerica. Kwete kare kare, takabudisa chidimbu chinotsanangura kuti mushandi wepakati pekutsvaga anokwanisa kutenga ADRs, pfupi yeAmerican Depository Receipts, iyo inzira yekuwana mashizha kune dzimwe nyika kunze kwekusiya kunyaradzwa kwekumba kwedu. Kwemakore, Ini, uyewo nhengo dzakasiyana dzemhuri yangu, tine zvikamu zveTweedy Browne Global Value fund.
Zvakanaka Kutengwa Zvakanaka Kutengeswa
Imwe yekare yekutengeserana "yakatengwa yakatengeswa zvakanaka" inogona kuonekwa munharaunda yese yebhizimisi rekutengeserana umo Scrooge akabatanidzwa (saizvozvowo, yega, nokuda kwekutengeserana kwekutsvaga yakawanda kwaakaenda - Warren Buffett naCharlie Munger , zvechokwadi , vagara vachinyevera kuti kukanganisa kuenda kune avo, asi zvakaipa McDuck haafaniri kuwana mazano).
Ichi chaiva chikonzero chekutanga cheBen Graham yekutsvaga mari . Kudzorera iwe kwaunowana kunotsanangurirwa nemutengo wawakabhadhara wefa (nokuda kwehumwe ruzivo pamusoro peizvi, verenga Mutengo uri Paramount ). Zvose zvese zvakaenzana, nechezasi mutengo waunobhadhara, pangozi shoma. Icho chaiva ruzivo rwekuti Rose Blumkin akashandisa kuvaka Nebraska Furniture Mart uye akaita kuti mhuri yake ive yakapfuma zvikuru pasinei nekukwanisa kuverenga kana kunyora.
Chengetedza Mukana Wakawanda Panguva Dzose
Zvinonyanya kuitika kuti Scrooge inopfuura pamusoro pemutemo wekusvibiswa nemari yake bin. Mune dzimwe nhau, zvisinei, anotaura kuti ichi chiri chekushanda kwemabhizimisi ake ekushanda. Kana General Electric, Exxon Mobile, kana Berkshire Hathaway vaifanira kuchengetedza mari yavo yekushanda mubhenji yakafanana, inogona kunge yakakura chaizvo, naizvozvo zvimwe mari iyo yese haisi chinhu chakanyanya kubhadhara mari.
Nheyo ndeyechokwadi uye yakajeka: Kuwedzera kwako kuwedzera , kunyanya kushanduka kwaunayo pakuita zvisarudzo kusanganisira mairimari. Iwe unogona kusangana nezvido zvisingatarisirwi, zvakadai sekugadzirisa motokari kana kurwara kwehutano. Kana iwe uchigara wakatetwa kuti uwane mari, iwe ungasakwanise kushandisa zvakanaka kana mukana uripo unozviratidza kana kuti, zvakanyanya zvakadaro, iwe unogona kunge usingagoni kuwana mari pane chimwe chinhu chingave chave chiri nguva pfupi blip. Vanhu vangani vakaurayiwa mukati megore raOctober 1987 nokuti vakanga vakanyanyisa kubhadhara apo misika yakanyura? Asi, pakupera kwegore, misika yainge yatora nzvimbo dzose dzakarashika. Kune avo vakarasikirwa nehutano hwavo, havakwanisi kuita chikamu mukudzoka uye iyo yakadudzira zvakakwana uye zvakakwana kuparadzwa.
Yeuka mazwi aWarren Buffett : Unofanira kunge uchikwanisa kutarisira zvakanaka uye kunyatsogutsikana nemari yako kana misika yekutengesera ichivhara kwemakore mashanu. Vanhu vanowanzokanganwa kuti kuvharwa kwemahombekiti emakore akawanda hakusi kungoitika chete, izvo zvakaitika munguva yakapfuura. Iwe haufaniri kuisa mari yacho muzvikwereti zvako zvekutsvaga kuti ugare. Kana uri kurarama kubva kune zvikwereti , funga kuva nezvikamu zvakanyoreswa zvakananga nemutengi wekutumira kana kuchengeta zvitikiti munzvimbo yakachengeteka bhokisi kuitira kuti chikamu chekugoverana chitumire kwauri zvakananga kubva kumakambani, zvichikusiya usina kushungurudzwa chero bedzi makambani ayo Iwe une danda reimba inopfuurira kuita sarudzo yavo yenguva dzose (kuti mamwe mashoko averenge Zvose Nezvakagoverwa kuti vaone kuti vanosimbiswa sei, avo vanosarudza zvinokweretwa kune vagovana, nezvimwe zvizhinji).
Ramba Uchikurumidzira, Zvokuchengetedzwa Zvakavanzwa
Dzimwe nguva, zvinhu zvinongotadza. Zvinotyisa, zvinomwisa, asi chikamu chehupenyu. Chimwe chezvinhu zvakachengetedza Scrooge mupfumi ndechokuti kazhinji aive nekuchengetedza, pfuma yakavanzika yehupfumi pamusoro pekuti hapana munhu aiziva. Mune imwe nhau, akakwanisa kudzokera kune zvaanotaura muYukon, achiziva kuti akanga avhara goridhe ipapo kuti ape ruzivo rwepamusoro kana akazodzimwa kana kuti aida mari yekukurumidzira .
Kune huchenjeri hwakakura mune izvi. Zviri nyore nyore kudzokera shure netsoka dzako kana iwe uine rubatsiro. Ichi ndicho chimwe chezvikonzero zvinowanzowanzoita kukanganisa mabhadharo epamberi paunopinda mumatambudziko emari. Kwete chete iwe uchabhadhara mitero yakawanda uye kubhadhara mari yekutanga , asi kana iwe wakamanikidzwa kuzivisa kubhadhara, iwe wakabvisa nguva yako yemazuva akawanda. Muzviitiko zvakawanda, dare richakubvumira kuti uchengetedze mari yako yekubvisa mari , uchivaisa kunze kwekunzwisisa kwevakwereta. Sei iwe pasi iwe waizovabudisa kunze kwebhuku uye unoita kuti vawane mhuka yakanaka? Unofunga kufunga kuzvidzivirira kuzvidzivirira.
Izvishandise iwe pachako nekudzidza Dzidzo itsva
Ndanyora zvinyorwa zvakawanda pamusoro pesimba reyi pfungwa huru. Buffett ataura kakawanda kuti unyanzvi hwako hunokosha zvikuru nekuti kunyange kana hupfumi, kana kuti zvakanyanya kuwedzera, mari yemunharaunda yako inoenda pasina, chirwere chechiremba chinenge chichikwanisa kukwereta zvakakwana kuti zvibatsiro zvake zvipedze mu Mugumo wepamusoro wepfuma kugoverwa chati.
Mune imwe nyaya, Tralla La, Scrooge inoponeswa nhengo yeCathaway, yekare yevanhu. Akakwanisa kutaura mutauro wavo nokuti akaidzidza apo aive achitenga muTibet. Pane kusava nechokwadi mupfungwa dzangu kuti kana McDuck achiri mupenyu nhasi, aizoziva Mandarin uye aigona kuita bhizinesi kumabvazuva kure kuziva zvakazara kuti muna 2050, hupfumi hweChina hunofanira kuva kaviri hukuru hweUnited States '.
Muhupenyu hwangu, iyi ndiyo yaiva nheyo yakandibatsira kuenda kuYunivhesiti pamudzidzi wedzidzo, kudzidza classical voice performance (opera). Pamwe chete nekutsvaga kuGermany, French, uye Italy, makore angu akanga akazara mufilosofi, kuverenga, piano, nhoroondo, mari, sayenzi yezvematongerwe enyika, uye humwe humwe huwandu hwakandipa huwandu hwenyika yakawanda. Vanhu vashomanana vanoziva kuti mukuru wekuita mari akaitawo zvimwechetezvo - Peter Lynch aiva mukuru wefilosofi, Alan Greenspan akadzidza clarinet paJudley asati asvika kuUnU yezvemari, uye Ben Graham akapiwa nzvimbo mumatare matatu akasiyana eColumbia nemhaka ye ruzivo rwakanyanyisa rwemakirasi.
Dhidzai Pfuma Yenyu Nemafuro Emari!
Mune imwe nhau, MaMaguta Mairi eCibola, Scrooge anotanga nemashoko okuti: "Mazimbe emafuta, mabhiriji, migodhi yegoridhe , furazi, mafekitari, mafambisi, mafirimu - Ndakaita mari munenge mune bhizinesi rose riri panyika!" Bhenyeri ndiye anopindura, "Ndizvozvo, Mr. McDuck! Iwe une zvivako zvekuveza, mabhizimisi, zviteshi zveredhiyo - "uye Scrooge anoenderera mberi," mabhendi, hove, marasvingo emabhiza, nemapepanhau! "
Iyi inyaya inowanikwa mumakambani makuru akadai seBerkshire Hathaway uye General Electric. Inishuwarenzi, candy, fenicha, mapepanhau, mabhangi, zvishandiso, shandi, mashizha ekutengesa, uye zvishongo ... mafungu emhepo, mazhenje, magetsi ... rondedzero inoenderera mberi, uye. Zvose zvese zvakaenzana, mari yakawanda inofanana kana yakatsigirwa nezvose zvakasiyana-siyana muzvinhu uye mari yekuwana mari. Bhiza rinobatsira zvikuru uye kambani inobatanidza muUnited States ingadai yakaenda pasi kana iinge isati yawedzera kune mamwe maindasitiri sezvo motokari yakasimudza mukurumbira.
Izvi zvakanga zvisingatauri, zvechokwadi, neChido cheScrooge chekuita nyore. "Ndinofanira kupinda mune rimwe bhizimisi risiri nyore randinokwanisa kumhanya nemaoko angu!" Anotaura munyaya imwecheteyo. Buffett anowedzera mafiroso akafanana (verenga KISS - Ramba Uine Rakangwara Ruzivo kuti uwane mamwe mashoko pamusoro peiyi pfungwa).
Nakidzwa
Kune mutemo unokosha unowanzotarisirwa nevashambadziri: Uyo anonyanya kufara, ane ruremekedzo, achazopedzisira apedzisira aine kubudirira. Donald Trump inotaura nezvekuda. Anoudza vana vake kuti kana zvimwe zvose zvakaenzana, murume uyu anonyanya kufarira achakunda. Chikonzero chacho? Haisi basa. Achave ari kunze uko, masikati nemasikati, achiita zvaanoda. Iwe wakadzidza zvose pamusoro peizvi mune 10 Zvinyorwa zveGistorist Class - Maitiro Ekuti 0.9% veAmerica Vakawana Nzira Iyo .
Muhupenyu hwangu, ndinogona kukuudza kuti hapana chinhu chandinoda kuita kunze kwekurima nzira yangu kuburikidza nemurwi wezvinyorwa zvemashamba uye kuwana zvikamu zvemabhizimisi asingadhuri. Zvakafanana nehupenyu chaihwo-hupenyu hweMonopoly uko zvidzidzo zvangu zvekudzidza uye zvepfungwa zvakabhadharwa nemadhora anoshumira se scorecard. Kune vamwe vanhu, kudana uku kunogona kuva unyanzvi, kana kuchenesa, kana kuparidzira, kana kuronga maruva. Pfungwa ndeyekuti, zvakasiyana kune munhu wose. Asi kana iwe ukagona kuwana nzira yekuita zvaunoda basa rako, iwe unogona kunge uchizoguma pamberi pemutambo. Pane vanhu vanoita mazana ezviuru zvemadhora vachitamba mitambo yemavhidhiyo zvakanaka!
Chengetedza Kuvimbika Kwako Nguva Dzose uye Pasinei Nezvaunoda
Kuita mari hakuiti kuti iwe unokosha kudarika mumwe munhu. Izvo hazvo hazviiti kuti iwe uve wakachenjera kana wakachenjera. Kuwana mari yepamusoro pamatambudziko ose ndeyeurombo huripo. Hazvina kumboita, pasi pemamiriro ezvinhu ose, kutengesa kutendeka kwako, kana kuputsa tsika dzako, kuti uite mamwe mashoma madhora (kana kunyange mashoma mabhiriyoni).
Muedzo wakanakisisa wandakambonzwa pamusoro pekutevera mutemo uyu wakagadzwa naWarren Buffett. Akataura kuti mumwe nomumwe wedu anofanira kurarama upenyu hwedu sezuva rinotevera, zviito zvedu zvose zvaizova peji rekutanga repepanhau rekumusha kwedu, kuverengwa neshamwari dzedu, vezera, vashandi, mufudzi, vadzidzisi vekuchikoro, vabereki, vakoma , et cetera, ine nhau yakanyorwa nemutori wenhau anokosha, asi akanaka, asingasaruri. Izvozvo zvichachinja nzira yaunofambisa nayo.
Tenga Zvinhu Zvinoita Kuti Uwane Cash kana Uchengetedze Kukosha
Pakupedzisira, kana uchizoshandisa mari, ita izvozvo pazvinhu zvichaita mari yakawanda kana iyo, kana zvishoma, ichachengetedza kukosha kwayo. Ini pachangu, ndave ndichigadzira Carl Barks uye Scrooge McDuck mifananidzo yekuunganidza iyo, rimwe zuva, ichave yakakura. Ndine mabhuku mashoma, zvinyorwa zvekunyorera zvishandiso zvakanaka, uye fenicha yakanaka kwazvo.
Iri dingindira rakaratidzwa mumabhuku anonyanya kutengesa The Millionaire Next Door uye The Millionaire Mind , iyo yakaratidza vanhu kuti muvhareji weAmerica mamiriyoni akawanda aiwanzoendesa motokari yakakura asi aiva nefuma yakanakisisa. Ndizvo nokuti vanhu vanoda kuvaka mambure avo vanofanirwa kuisa pfungwa pane chimwe chinhu chinonzi upenyu hwehupenyu. Kana iwe ukatenga chidimbu chemasipirisi asingasviki achazoparara kana iwe ukadurura kapu yekofi pairi, kana kuti maviri ye $ 200 tennis shangu dzichaparara mukati megore, dzichadhura zvakawanda kuburikidza nekushandiswa kudarika kufanana tafura kana shangu mbiri dzinodhura kazhinji. Izvi hazvina maturo.
Kuti uve seScrooge, usatora mari yako pane zvinhu zvinorasikirwa nemari. Tsvaga kusanganiswa kwezvinhu zvaunofara, zvinokupa zvishandiso, uye uchanakisisa pamwero wepamusoro kupfuura kuwedzera kwekuwedzera. Pakupedzisira, iwe uchawana kugutsikana kwekushandisa uye kubatsirwa kwekutsvaga mari. Izvo zvinogona kuitwa nekushingaira kudzidza, kutsungirira kwevarwere, uye kurangwa kuurayiwa.
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Ichi chinyorwa chikamu chedu Chekuti Tingagadzirisa Sei Murairo wevatengesi vatsva. Kuti uwane mamwe mashoko pamusoro pokuti ungatora sei mari yako, ita kuti uwane mari , uchengetedze chikwereti chako, uye uzvive wakazvimiririra mune zvemari, verenga Sei Kuwana Mupfumi - Bhuku Rokuwana Upfumi .