Maererano neKutsvakurudza, Shamba Inokonzera Kudenga Kwechokwadi Kunopfuura Real Estate
Kutenga nzvimbo yekutanga yekugara ingangodaro chisarudzo chakanaka pane mumwe munhu angagadzirisa mune ramangwana ravo remari. Zvisinei, paunopinda mudzimba dzechipiri, dzimba dzezororo, dzimba dzekuvakirwa, zvivako zvemabhizimisi, uye nyika yakasvibiswa inobatwa nokuda kwekuonga, iwe uri kutamba mutambo wose webhora. Nokuti, pane kwenguva yakareba, nguva chaiyo inodzoka (mumbure yezvakakosha) inopiwa nezvikwata zvakafanana zvakaputsa izvo zvinowanikwa nehupfumi hwekugara.
Yep. Iwe unoverenga izvozvo zvakarurama. Vanhu veAmerica vave vakafadzwa zvikuru nehuyo hwedzimba dzenzvimbo iyo ivo kazhinji havaoni imba inowedzera mukukosha kubva pamadhora mazana mashanu kusvika ku $ 580,000 mukati memakore mashanu, mushure mekutsigira kunze kwekubhadhara mutero mari yekubhadhara pamusoro pekutenga chikwereti, mari yakawanda yehushuga, musoro wekutengesa, nezvimwe ., haisi kunyange kutarisana nekuperesa! Iko mari yeR $ 80,000 haisi kuzokutenga iwe zvakare zvimwe zvezvinhu nemabasa; iyo yakawanda yehamburgers, dzimba dzokushambira, fesheni inosara, ma pianos makuru, motokari, mapeni ematsime, cashmere sweaters, kana zvimwe zvingave izvo iwe unogona kuwana. Uchitora chikwereti chakakwana pa6.25%, mumakore mashanu iwayo, ungadai wakabhadhara madhora 151,401 muzvikwereti zvakakura, kana mari inosvika $ 93,870 mushure mekukodzerwa kwemitero yakakodzera (uye iyo inotarisa iwe uri mabheji akakwirira, nyaya yakanakisisa. ingadai yakaderedzwa kusvika madhora 466 700, zvichikupa kuenzana kwe $ 113,300 ($ 580,000 mari yekutengeswa - $ 466,700 chikwereti = $ 113,300 kukwana.) Panguva iyoyo, ungadai wakachengeta $ 184,715 mubhadharo.
Kuisa muhutano hwepfuma, inshuwarisi, nezvimwe zvinodhura, yako yakawandisa kunze kwehomwe mari yaizodai yaive madhora 200 000.
Izvi zvinofanira kuenzanisira nheyo inokosha vose vatyairi vanofanira kuyeuka: Imba inowanzova nzira yekuchengetedza mari yaungadai wakabhadharwa nayo pakubhadhara mari, asi haisi kuzoita kuti zvikwereti zvakakwana zvekudzoka kuwedzere pfuma yako zvikuru.
Kune, hongu, maitiro anokosha anokwanisa uye anoita kuti kuve nekudzoka kwakakwirira pane zvakakosheswa zvakadai sevakandarani nevatengi vanobhadhara kutenga kutenga, kugadzirisa, uye kutengesa dzimba, vaenzi vemahotera vanoita nzvimbo inonakidza munzvimbo inopisa yedhorobha (inofanira zvinoratidzwa kuti munyaya iyi, upfumi hwekusika huri kuuya kwete kubva kune imwe nzvimbo, asi kubva mubhizinesi - kana sendivo yakazara - iyo inoshandiswa kuburikidza nemitambo ye hotele), kana kuti kuchengetedza zviguta mune rimwe guta risina zvimwe zvakafanana (kunyange zvazvo, zvakare, pfuma chaiye inouya kwete kubva pamba chaiyo asi kubva mubhizimusi rakasikwa!)
Chii chakakonzera iyi nhema huru yezvakanaka yekuvaka? Sei tichigumburwa nahwo? Ramba uchiverenga zvidzidzo, mhinduro, uye ruzivo rwakakosha iwe unogona kukwanisa kushandisa.
1. Kune Vashandi Vakawanda, Real Estate Inowanikwa Inowanikwa kupfuura Zvikwereti
Mutevedzeri wevatengesi vangave asingatarisi zvaanoita sechikamu chiduku chebhizimisi chaiyo, yebasa iri rine zvivako, vashandi, uye,, tariro imwe chete, purofiti. Pane kudaro, vanozviona sechidimbu chepurairi chinosungirira pane chati. Pasina pfungwa yemuridzi wepfuma inowanikwa uye mubereko wekukohwa, zvinonzwisisika nei vachigona kutya kana zvikamu zveKu Home Depot kana kuti Wal-Mart zvinobva pa $ 70 kusvika ku $ 33.
Nenguva isinganzwisisi kuti mutengo wakakosha - ndiko kuti, iwe unobhadhara ndeyekupedzisira kwekudzoka kwako pamusoro pekutsvaga - vanofunga nezvehutano sehuwandu hwekititi yekotori kupfuura hurumende, kuzarura The Wall Street Journal uye vachitarisira kuona rimwe sangano rinokurudzira.
Iwe unogona kufamba mune imwe nzvimbo yebhadharo; tambanudza maoko ako pamasvingo, tendeuka uye udzimise magetsi, svetera mutsva, uye ukukwazisa vashandi vako vatsva. Nezvikamu zveBhed, Bath, uye Beyond vakagara muakaunti yako yekutengeserana, zvingasaita sezviri chaizvo. Kunyange chikamu chekugovera chinowanzotumirwa kumba kwako, bhizinesi, kana bhangi, kazhinji ikozvino yakashandiswa pamagetsi muakaunti yako kana kuti inotengeswa zvakare. Kunyange zvazvo uchienzanisa nguva yakareba iwe unowanzoita kuti uwedzere mari yako inoshandiswa kuburikidza nehuwandu hwehudzi huno, hahuna kunzwa seicho chaihwo sepfuma.
2. Real Estate Haina Zuva Zvose Dzakatemerwa Masoko Ako
Real estate, kune rumwe rutivi, inogona kupa zvikamu zvakaderera mushure mekare-mutero, shure kwekuwedzera kwezvinhu, asi inopa avo vasina ruzivo chavanoita kuburikidza nokuona mazita ekutengeswa kwemajiro zuva rega rega. Vanogona kuramba vachienderera mberi, vachengetedza pfuma yavo uye vachiunganidza mari yekubhadhara, vasingazivi zvachose kuti nguva dzose nhanho dzinofamba dzichifambisa, kukosha kwemukati kwezvavanobata kunoshandiswa, sezvikwata uye zvisungo. Iko kukanganisa kwakataurirwa apo Benjamin Graham akadzidzisa varairidzi kuti misika iripo yekuvashandira, kwete kuvadzidzisa. Akataura kuti kunetseka pamusoro pemafambisirwo emutengo kwakangofanana nokuzvibvumira mupfungwa uye mupfungwa kunetseka pamusoro pezvikanganiso zvevamwe vanhu mukutonga. Coca-Cola inogona kutengeswa ne $ 50 muzana asi izvozvo hazvirevi kuti mutengo unonzwisisika kana unonzwisisika, uye hazvirevi kana iwe wakabhadhara $ 60 uye uine kurasikirwa kwepa $ 10 mugove wega wega wawakaita utsva hwakaipa. Pane kudaro, mutengi anofanira kufananidza zvakabhadharwa muhomwe, kutarisira kutarisirwa, uye mutemo wemitero iyeyo, kune mamwe mimwe mikana inowanikwa kwavari, kupa zvipo kune uyo anopa kudzoka kwakanakisisa, kwakagadziriswa. Real estate haina kudaro. Mutengo ndiyo iwe unobhadhara; kukosha ndizvo zvaunowana.
3. Kuvhiringidza Izvo Zviri Pedyo Neicho Chinokosha
Nyanzvi dzepfungwa dzakagara dzichititaurira kuti tinonyanya kukoshesa kukosha kwezvinhu zviri pedo uye zviri nyore pedyo kana zvichienzaniswa neicho chiri kure. Izvozvo zvinogona, pane zvishoma, kutsanangura kuti sei vanhu vazhinji vachiita sevanokubiridzira mumwe wavo, kana kuti, semutungamiriri webhizimisi mumwe chete, kana kuti mupfumi ane $ 100 mamiriyoni mumari dzake dzekutsvaga mari angave akatsamwa kwazvo nekurasika $ 250 nokuti asiya mari pamusiku weusiku pahotera.
Iyi nhungamiro inogona kutsanangura kuti nei vamwe vanhu vachifunga kuti vakapfuma kuburikidza neine $ 100 yemari yekubhadhara iyo inoratidzira mumabhokisi avo emaresi zuva rimwe nerimwe zvichienderana ne $ 250 ye "kutarisa-kubudirira" inowanikwa nezvikwata zvavo. Zvinogonawo kutsanangura kuti nei varimi vakawanda vachida mari yekugoverana , kunyange zvazvo iyo yekupedzisira yakawanda inobhadhara mutero uye, zvimwe zvose zvakaenzana, zvinoguma nehupfumi huzhinji hwakagadzirwa nokuda kwavo.
Izvi zvinowanzowedzerwa nehutano hwevanhu hwekutonga. Kusiyana neWorldcom kana Enron, kubhadhara mari yevanhu vanotadza kusangana navo hakugoni kuita kuti chivako chebhizimisi chamunotengesa kuvarimi chinyangarika usiku huno. Zvimwe pane moto kana imwe njodzi inongoitika, iyo inowanzovharwa neishuwarisi, iwe hausi kuzomuka kamwe kamwe uye uone kuti nzvimbo yako yeimba imomo yakanyangarika kana kuti iri kupfigwa nokuti yakabvisa Securities and Exchange Commission . Kune vakawanda, izvi zvinopa hutano hwekunyaradzwa mupfungwa.