Tarisa Pane Zvimedu Zviviri Zvakakosha - Kushandisa Imari uye Kutengeswa Kwemari
Berkshire Hathaway Anoshanda Sei?
Urongwa uhwu hunopa huwandu hukuru hunobatsira Berkshire Hathaway. Chokutanga, kana mashizha achiwa, Buffett anokwanisa kuvimba nemari inokonzerwa nemabhizimisi ekushandira kuti amupe mari yekudzorerazve mumusika, kutenga zvinhu zvisingabatsiri. Kana aive achimhanya pamwe chete , izvi hazvisizvo uye sezvo kukosha kwezvaakachengetera kwakawa, Warren aizomanikidzwa kutengesa chimwe chinhu chakanga chisati chasarudzwa kutenga chimwe chinhu chakanga chisinganyanyi kukosha. Chechipiri, mabhizimisi ekushanda anosungirirwa kubva kuhutano hwezuva nezuva (kunze kwepamusoro apo mubereki ane kambani inoshambadzirwa pachena), achichipa mari yakawanda yakagadzikana inofungidzirwa yega yega yemari yemari kunze kwekuti mutero unobatsira. Nokudaro, mabhengi anowanzokweretesa kwenguva yakareba, yakasarudzwa-mubhadharo kune bhizinesi rakagadzikana nemari chaiyo yakadai semapizimisi, mabhizimisi ezvitoro, makombiyuta, uye zvakadai kuti vangave pane imwe nzvimbo yezvikwata zvinomiririra zvikamu zvevaya iyo makambani.
Muhupenyu hwako pachako, unogona kuona kuti zviri nyore kwazvo kusimudza mambure ako akakodzera nokukurumidza kana uchitarisa pane zvose izvi, kutora "zvakafanana" zvakapinda kuna Buffett uye shamwari yake yakareba yebhizimisi, Munger, vakaita ibwe rekona yeumambo hwavo.
Kushandisa System
Kune vanhu vazhinji, "primary business" yavo inenge iri zuva ravo basa.
Pasinei nokuti uri mudzidzisi, mudzidzi wemoto, mubhadhari, kana mukana wekubata chikamu, iyi ndiyo mvumo yemari inokubvumira kubhadhara zvikwereti zvako, tarisa terevhizheni, kutenga zvekutengesa, uye kuisa gasi mumotokari yako. Izvo zvakare iyo mari inokupa iwe nekutanga yako yekutanga mari yekuwana mari.
Kungofanana nebhizimusi chero ripi zvaro rakanaka , unoda kukura zvikwereti zvako, kana munyaya iyi mubhadharo, mubhadharo, nemamwe mari kubva kubasa, zvakanyanya sezvinobvira nehuwandu hwekutsvaga mari. Nokudaro, kana zvisarudzo zvako zviri kushanda maawa mazhinji kuti uwane mari yakawanda kana kudzokera kuchikoro kuti uve chiremba, unogona kusarudza iyo yekupedzisira nekuda kwemari yakawanda yakapera mumugwagwa nekuisa yakaenzana yakaenzana yeviri uye katatu-shizha . Izvi zvinotungamirira kumutemo wegoridhe wekuvaka chivako: Unofanira kuzvipira iwe pachako kana iwe uchida kuwana rusununguko rwechokwadi rwemari. Izvi zvinoreva kuwana unyanzvi hutsva uye kuchinja unyanzvi uhwu mumari yekuwana mari. Mazuva mashomanana akapfuura, ndaiverenga nyaya mupepanhau pamusoro pemudzimai wekununura musha akawana zvakanaka pakutsvaira kwepachipu, anogona kudha mari yezvokudya zvemadhora $ 150 kusvika ku $ 40 - ramba uchifunga, sezvo chikafu chinotengwa nemutero wemutero , izvi zvinowanikwa zvakajeka kupfuura zvinogona kuonekwa.
Ichokwadi ndeyekuti avo vane unyanzvi hwakadai savarume vanovhiya mwoyo, auto mechanics, vanachiremba mazino, mapurisa, uye vanotaura zvakajeka zveMandararin Chinese havasi kusara kunze kwenyika yepasi rose. Zvinenge tose zvedu tine mukana wekuwedzera mamwe emasikirwo aya akasiyana-siyana mubhokisi redu rekudzidzisa, asi pfungwa yokuti iwe uri kuenda kukwanisa kupedza chikoro chesekondari pasina chinhu chinopfuura diploma, kuwana basa rehupenyu, uye kubvisa zvakanaka naïve. Genie iri kunze kwehombodo munyika yekudyidzana kwepasi pose uye hapana chinogona kuchinja iyo (kunyange kana US ichisvika pakuita masimba ekudzivirirwa kwezvokutengeserana, taizova nekuderera kwekutengesa kana kuora mwoyo uye China neIndia zvingatipedza nepakati nekukurumidza).
Kana uchinge uine basa rako rekutanga pakutevedza uye uri kuisa muhutano hwako pachako, inogona kuva nguva yekuwana kana kugadzira mamwe mabhizimisi ekushanda.
Kune vamwe, izvi zvinogona kureva kuvaka zvikwata zvekuchengetedza kana motokari inogeza. Kune vamwe, zvinogona kusanganisira kutanga basa rekuchera uswa. Mumwe nhengo yemhuri yangu ane basa semushandi wekufamba ndege, maneja wekugadzira pane imwe kambani yakashongedzerwa, uye anobva aine bhizinesi rekiki bhizinesi bhizinesi kumativi. Anorarama kubva muhomwe yake semutungamiri, achishandisa mamwe mabasa maviri ezvo semari yekutsvaga mari yakajeka kuti ave nechokwadi chokuti ane mamiriyoni emadhora muhupfumi nemazana makumi maviri pasinei nekuve nemari inowanikwa uye kutsigira mhuri.
Apa ndipo paunenge wava nemukana wekuita mari kuita chimwe chinhu chaunoda. Paunowedzera mamwe mabhizimisi ekushanda, iwe unofanira kuedza kuwana zvinhu zvinokuita "kudhakwa kwepombi" kushanda, kukwereta mutsara kubva kuBuffett. Ngatiti uri nemakore makumi maviri nemashanu uye unokwanisa kutengesa mapeji kana kuita magic pamapatiko ekuzvarwa nemichato, zvichiita imwe $ 96 pavhiki (inenge $ 5,000 pagore). Izvozvo zvingasaita sezvakawanda asi zvichawedzera kusvika ku $ 9,266,500 + panguva yaunenge uri wezera raWarren Buffett kana iwe uripakira muRoth IRA uye uchitarisira kuunza zvakaitika 11% yekudzorera S & P yakapinza iyo vatenzi pamusoro pekureba kwenguva refu. Icho hachisi joke. Nokuita chimwe chinhu chaunoda, nekuisa iyo mari mune mari-yekugadzira zvinhu, iwe unogona kubvisa pfuma. Kana iri imba huru, motokari, X-Box, nezvimwe zvinhu zvaunoda munzira, ndicho chikonzero iwe unoshanda basa rako guru uye uchengetedze kuisa mari muunyanzvi hwako. (Kana iwe usina nguva yekuita basa rechipiri kana basa, yeuka wekugadzira musha wedu uyo akaponesa kudarika $ 110 pavhiki pane zvekutengesa? Izvo zvingava zvakakwana kudarika zvakafanana.)
Sezvo iwe uchiita mari, iwe unoda kuti uite kuti uwane mari yakawanda inowanikwa musero. Izvozvo zvinoreva kutora kushandisa 401k yako, uye imwe nhoroondo yekusarura yakafanana neChechi yeIra , Roth IRA , kana SEP-IRA kungotaura zvishomanana. Pano, kana uchinge watenga mari nekuchenjera, iyo mari inogona kukura kuva ruzivo rwekuwana mari , zvikwereti , uye kufarira, izvo zvose zvinorimwa kuti zvive nemari yakawanda. Kana iyo yemusika inowira, iwe unogona kushandisa mari yako yebhizimisi kushandiswa kudhora mari inowanikwa mahofisi ako, saka uchishandisa zvidzidzo zvekukosha kuisa mari .