Mitero miviri paDhairiro uye Kubhadhara Risk Ndeimwe Mamwe Mapurisa Okuwedzera
Zvimwe zvinonzwisisika. Ndezvipi zvimwe zvaizotarisira iwe paunosangana nemakakatengesa emakore matanhatu emombe muAmerica nhoroondo pamwe nemari yakasununguka iripo inowanikwa paunoda? Kunyange zvakadaro, usawa nokuda kwayo! Izvozvi, regai ndive nemafungiro ekuti zvinokonzera kukukanganisai: Kunze kwemamiriro mashomanana umo mune ruzivo rwakanyanya, vashandi vanochengetedza zvakachengeteka vanozvishandisa zvishoma nezvishoma mumamiriro ezvinhu asina kukwana, kana iwe ukatenga mashizha pamuganhu, uri zvichida kuva idiot. Iwe unogona kurasikirwa nemari uye iwe unofanirwa kurasikirwa nemari iyoyo. Famba kure.
Izvozvo zvingaita sokuti zvakaoma asi ini ndinoda kuti iwe unzwisise zvakakwana zvimwe zvinetso iwe unotanga iwe paunotora kunyange chikamu chiduku chechikwereti chemajeri muhomwe yako. Nokuva wakananga zvakanyanya, ndinogona kupora mufananidzo wakajeka wekuti zvakaipa zvakadini zvingave kana iwe ukasarudza kutora chikwereti kunzvimbo yako iripo, kukwereta mari yausina yako kubva kune wako mutengesi.
Nenzira iyo, haungabatwi kana ukamuka kuti uwane zvinhu zvisingashandisi zvawakatarisira kana kutarisira. Inogona kukuchengetedza makore ekurwisana uye kushungurudzika kuti uedze kugadzirisa zvikanganiso zvawakaunza iwe uye, zvichida, kunyange dare rekutsvaga mari.
1. Paunenge uchitenga mabhizimisi pamharaunda yako, mutengesi wako anogona kudana chikwereti panguva chero ipi zvayo, pasina kubvumidzwa, chero chikonzero, zvisinei nemigumisiro kwauri
Pane dzimwe nguva pfungwa iyi isina kururama yokuti kana iwe uchibhadhara zviyero zvako, iwe une chikamu chemazana ehutano, kana iwe unonamatira kune mamwe mashizha, mutengi - munyaya iyi, wako mutengesi-haazokukuvadza kamwe kamwe, kana asingasviki, kudana chinhu chose chakakodzera panguva yakaipisisa.
Inofunga kufunga uye kazhinji inoratidzirwa nevaya vasina kumbobvira vachirarama kuburikidza nedambudziko guru rezvemari kana kuti vane mari yakawanda pangozi panguva huru yekuvhiringidza. Mutengi wako anogona uye achadaidza chikwereti chako chemajeri chero nguva, uye zvisinei, inoda. Nheyo yako yehupfumi, yakamboitika kare, inoda, kana kugutsikana kwekambani inonyanya kusakoshesa kumusarudzo. Hazvifaniri kunyange kutokunyeverai, zvimwe. Iwe hauna kodzero yekufonera kana mukana wekuita kuenzaniswa kwekubhadhara kuti ubhadhe chikamu; inogona kupinda, kuvhara zvigaro zvako, uye kugadzira mhando dzose dzemitengo yakaipa yemitero kana kuti kurasikirwa kwekusingaperi uko iwe haugoni kudzoka kuitira kuti uwane maoko avo pamari yavo. Iwe hauna kutora. Iwe hauna kudzivirirwa. Hapana chaunogona kuita pamusoro pacho nokuti wakabvumirana nazvo apo iwe wakanyorera ropafadzo dzemakumbo munzvimbo yekutanga.
Zvichida hazvidi chimwe chinhu mumiriri wekuona chikwereti chako (hungu, kana iwe uchiverenga kudhinda kwakanaka kwechibvumirano chebhuku chawakasina pawakasimbisa ukama, firiji yako yekwereti ine kodzero yekushandisa chikwereti chako chikwereti paunowedzera margin chikwereti, kusanganisira kuongorora basa rako nguva nenguva).
Zvichida uri mune dambudziko rezvemari uye anoda kugadzirisa pari pari pachesi , asingakwanisi kana kusada kukwereta. Zvichida zvinotungamirirwa nevarume nevakadzi vakangwara vanofunga kuti misika inonyanya kukoshesa uye avo vasingadi kugadzira chikwereti chekwereti kune vadzidzisi vemakambani ehurumende yekutengesa pachavo. Icho haufaniri kuva nemhanzi kana chikonzero, kubhadhara patsva nguva dzose kuri patafura kana iwe uchida kana kwete.
Kana ukakwereta mari iri pamiganhu, gadzirira mamwe ose edzimba yako yaunobata mukwereti yekwereti kuti uve pakurema. Pamusoro pezvinangwa zvose uye zvinangwa, urikukoka mumwe munhu kuti aite newe uye achivapa chekudzivirira kwepamusoro apo, zvakadini, uye pasi pemamiriro api ayo mabhadharo enyu anokosha anobudiswa.
2. Paunenge Uchitenga Mari paMuganhu, Unogona Kuzviwana MuBanruptrupt Court
Mari yechikwereti yezvikwereti zvikwereti chaiye; zvisikwa zvose sezvakangoita sokuenda kubhangi uye kusayina pamucheto wekutenga chikwereti, kusvetura kadhi rechikwereti, kana kutora chikwereti chemudzidzi .
Pamusana pekusununguka kwedzimwe chikwereti chemari mitsva inogona kusikwa pasi pemamiriro ezvinhu akadai, varimi dzimwe nguva vanokundikana kubata zvikwereti izvi nekuremekedzwa kwavanofanirwa. Izvi zvinoreva kuti iwe unofanira kugara uine mari yekubhadhara yakaipisisa-case-scenario balance muzere; pakarepo iripo, agere mubhangi. Iyi haisi iyo pfungwa, iyo murairo. Kutendeuka iwe pachako kuora.
Iko kune zvikonzero zvitatu zvikonzero zvaunofara kana iwe uchitevera purogiramu iyi nechitendero-semvumo.
Kutanga: Makambani anokanganisa kana kuti ane hutano husingaperi huripo nguva nenguva nekuda kwekubiridzira, kushandiswa kwemugadziro mumashini, makwikwi, kushanduka kwezvematongerwe enyika, kana chero imwe nhamba yezvikonzero. Mufananidzo wakaisvonaka unouya kubva pakasimba unonzi GT Advanced Technologies, iyo yandakaongorora pane blog yangu. Vazhinji "vatengesi" - ivo vaifungidzira chaizvoizvo sezvo vasina kuuya chero kupi nepamusoro pechirevo chekuda mari yekutsvaga sezvakaiswa naBenjamin Graham kumashure kwezana remakore rechi19 mumitemo yake yekuchengetedzwa kwekuchengetedzwa kwezvinhu uye The Intelligent Investor - kwete kungoisa zvikamu zvisingatarisirwi zve guta guru mubhizimusi vachifunga kuti vaizoenda kuve vapfumi kuti vagove yavo, asi vakaiswa panjodzi kuburikidza nekuwana mazita ekusarudza uye kutenga zvigadzirwa zvakafanana pamuganhu. Chimwe chezvakaipa zvikuru zvandakaona chaiva chitupa chakakonzera $ 750,000 pamatengo uye $ 140,000 pane zvisarudzo zvakasungirirwa kuhomwe. Nenguva iyo yose yakashambidzwa kunze, yaive nemari yakaipa yemari yechikwereti ye $ 107,000 yaakapa chikwereti chekwereti. Yakatora makore gumi nemashanu emari yakachengetedzwa yakaoma uye yakamusiya gomba raizoda kana cheki chikuru kana chikumbiro chetsitsi munyaya yekudarika. Idambudziko. Kunyange zvazvo aive akazvidavirira zvachose, mwoyo wangu unomukira iye nemhuri yake. Mashoko akanaka: Akanga ari muduku uye akabudirira saka, nekuranga uye uchenjeri, anofanira kunge achikwanisa kuvaka zvakare kumusha wakasununguka.
Chechipiri: Kuvhunduka kwepamusika, kuenderera mberi, kusagadzikana, uye kushungurudzwa kunogona, kuita, uye, uye kuchaitika kune imwe nguva yemazuva ose pasinei nokusakwanisa kwako kana kuti nyanzvi kuti ufanotaurire mberi. Pane dzimwe nguva muAmerica nhoroondo apo mabhizimisi akawanda kwazvo-makambani akadai seThe Coca-Cola Company - vakatengeserana pedyo, kana, kana pasi pehuwandu hwemari yaive nayo mubhangi nekuda kwekudiwa kwevashandi vemari kuchengeta pfuma yavo nekukurumidza sezvavanogona kukwidza chero mari ipi inobvira kuitira kuti varege kurasikirwa neimba yavo, purazi ravo, kana imwe nzvimbo yavo. Anenge pasina munhu akaona 1973-1974 kuuya. Vashomanana vakaona 1929-1933 vachiuya. Hazvinei kuti Coke inonyanya kukosha kudarika madhora makumi mana neyaka makumi maviri nemakumi mashanu ekugoverana muhutano hwemukati kune anowanikwa kwenguva refu , inogona kuva nemari yemari ye $ 10 mangwana. Iwe unofanirwa kuva nezvose zviripo uye unyanzvi hwepamutemo hwekuchengetedza unhu munguva dzekusava nenguva (iyo, kana iwe wakangwara uye uine zvakawanda zvakasara mari nemari inoyerera, zvinogona kuva zvisingaiti kamwe-mu-a-chizvarwa mikana yekuwana zvakajeka richer). Sezvo imwe nyanzvi yezvematongerwo enyika yakakurumbira, "Maitiro anogona kuramba asinganzwisisiki kwenguva refu kupfuura iwe unogona kuramba uchigadzirisa". Izvi zvinonyanya kuitika kana kubhadhara kwechikwereti chekwereti chemajeri kunoshanda kwauri.
Izvozvo zvinokonzera kushanda zvinogona kuva zvine simba. Hazvirevi kunze kwemazuva ose kuitira kuti misika yekutengeswa ichinjeke ne 33% pamakore mashomanana. Kunyangwe a recumcum yemari chikwereti chinogona kuchinja iyo kuti ive mutsara. Uye usafunga kuti uchava nemukana wokutengesa munzira, kana. Ndiko kukanganisa kwevatangari kufunga kuti kuti chikwata chiende kubva ku $ 100 chikamu chimwe nechimwe kusvika kune $ 20 mugove, chaifanira kutora $ 99- $ 21 munzira. Haisi iyo inoshanda sei. Iko-real-time auction; sezvo nyanzvi dzinogara dzichifanira kukuyeuchidza maitiro, mutengo unogona kubva pakarepo kubva paChitanhatu A kuenda kuPeji B usina kumbobvira uchirova chero kupi zvako. Zvimwewo, mushambadziro unogona kuvhara zvachose kuitira kuti iwe usakwanisa kumutsa mvura kunyange kana zvichidikanwa. Mune mamwe mazwi, iwe ungasave nemukana wekutengesa zvigumisiro zvekubhadhara chikwereti chemajeri. Iwe unofanirwa kuifukidza zvose kubva muhomwe rako pachako nekuipikisa kubva kubhandi rekuenda kune mutengesi paunoda.
Kana iwe usingaiti, chikwereti chako chava kuparadzwa. Nguva imwe chete, zvichienderana nemitemo yepasi rose, iwe unogona kuona zvinhu zvose kubva kuhutori hweimba yako yveshuwarensi kumatengo ako kadhi yemarikiti inowedzera mari. Iwe unogona kunge uine pony up security deposit yekambani yako yebasa! Usaisa pangozi yekutengesa mari uye kushambadzira kwemari kunopesana newe nokuti uri mukana wekukurumidza kuwana upfumi!
3. Paunotenga Stock paMuganhu, Unogona Kubhadhara Mitero Yakakwirira Pamutengo Wako Wokupa
Fungidzira iwe unotenga $ 100,000 yeRoy Dutch Dutch Shell pamiganhu. Iwe unofanidza kuunganidza madhora 6 500 pagore mugoveri wemari pamutengo wenharaunda wega wega wega. Kudai wakatenga chikwata chaicho, zvikamu izvozvo zvaizove zvave zvichionekwa se "zvikwereti zvakakosha", zvinoreva kuti iwe unobhadhara mari yakaderera mitero, inowanzobva kubva ku 0% kusvika ku23.8% (inosanganisira yeExpordable Healthcare Act yepamusoro yepamusoro yepamusoro- mari yavanowana) kuFrance level. Pane kudaro, pane mukana wakaisvonaka wako mutengesi ari kutora nhamba muakaunti yako uye ochipa kune vatengesi vashomanana - hauzombozivi nezvazvo kana kunyange kutarisa - kuvepa mari yakawedzerwa pachayo. Kana muparidzi ari kubhadhara pamutengo, iwe hauna, zvepamusoro, unayo iyo kunyange zvazvo inoratidzika seuri kuita mukodha yekwereti . Pane kudaro, iwe unopiwa "mubhadharo panzvimbo yezvikwereti" zvakaenzana nezvikamu zvaunofanira kunge wakagamuchira.
Dambudziko? Mari iyo inowanikwa panzvimbo yezvikwereti inobhadharwa pamutero wako unowanikwa pamutero, iyo inogona kuva inopetwa kaviri kana yakakwirira! Nokuda kwemakero emapatoti, iyi inotanga kumirira mari chaiye.
4. Paunotenga Soro Pamuganhu, Iwe Unogona Kutora Masimba Anowanikwa Mukuda Kwemamwe Marudzi Pamamwe Marudzi Ekubata Sokutengeserana Sangano Rakabatana Kunyange Kana Usingaiti Mutambo
Tenzi mashomanana akabatanidzwa akaoma zvakachengetedzwa zvepachena zvakasununguka izvo zvinokonzerwa nemitero uye hazvifananidzi kune varairi vemazana. Kunyange zvazvo iri kure nekukura kwekukurukurwa munyaya ino, zvakakwana kuti utaure kuti kana iwe uchitenga zvido zveMLP kuburikidza nekambani yekwereti yekwereti (kusiyana nekambani yemari yekubhadhara mari isina unyanzvi hwepamusoro), pasi pemamiriro ezvinhu zvakakwana zvachose yekutonga kwako, wako mutengesi angangotanga kuisa mamiriro ezvinhu apo IRS inoona nzvimbo yako yakatengeswa, zvichiita kuti iwe mukuru wemari uwane mitero pasinei nekutengesa chero chinhu. Kuva nehuwandu hwemari yehurumende kana iwe usati wadzora chinzvimbo chinogona kuderedza zvakanyanya kudzoka kwako apo iwe unorasikirwa nekodzero yemutero inoshandiswa .
Apo Zvakakunakira Kushandisa Chikwereti Chekwereti muAkaunti Yenyu Yekubhadhara
Iwe pachako, ndinofunga kuti marginal balance of account haafaniri kudarika 5% yemari yekutengeswa uye kunyange zvakadaro, inongowanikwa pfupi yenguva shoma inodiwa mumari (semuenzaniso, uri kuisa mari yakawedzerwa mumazuva mashomanana asi unoda kuita kutenga nhasi). Pane imwe nzira yakanakisisa, mune maonero angu, inongororongedzerwa yekwereti nebhenji rekuno; mutsara wechikwereti iwe unogona kutora iwe pachako kuchenjera, kutendeukira kuchikwereti chakasimbiswa, uye icho hachigone kuita kuti pakarepo kuvharwa kwezvivimbiso zvako panguva yakawandisa nguva sezvo bhanhire risina simba pamusoro pekwereti yekwereti. Imwe nzira ndeyekuparadzanisa mari yako yeUnited States inowanikwa mumari yakagadzirirwa, iyo kuchengetedza mabhodhi, MLPs, nezvimwewo, mune imwe nhoroondo isina margin, uye pfupa, zvichida, zvinosvika 30% yehutengo hwemusika we Pfuma inoshandiswa. Pachine njodzi, asi zvinhu zvose zvinofungidzirwa, zvishoma nezvishoma.