Wana mari yakawanda pasina kuedza kukuru
Mimwe yematunhu anokosha zvikuru iwe unoda, inosvika, ndiyo inokosha yawakadzidza muchechina yechina. Kudzokorora kaviri-tarakimu kudzokorora uye kupatsanurwa kunogona kukubatsira TARIRA mari yako.
Pane mitemo miviri yakasimba yegunwe iyo yandinoshandisa apo ndiri kuverenga kuti mari inotora mari ichabhadhara sei . Imwe inonzi "Mutemo we 72," uye imwe iyo "Mutemo we 115."
Ngationei kuti vanogona sei kusimbisa pfuma yenyu.
The Rule of 72
Mutemo we 72 unokuratidza kuti iwe uchakurumidza sei kuwedzera mari yako . Zvese zvaunofanirwa kuita ndezvokuparadzanisa 72 nemutengo wekudhara iyo inowana. Iyi ndiyo nhamba yemakore inotora kuti mari yako iwedzere.
Semuenzaniso, kana mari yako iri kuwana huwandu hwe8 muzana yehuwandu hwehuwandu, iwe unowedzera mari yako mumakore 9 (72 yakakamurwa ne8 kuenzana 9).
Kana mari yako iri kuwana chikamu chechikamu chezvikamu zvishanu kubva muzana, iwe uchairipeta mu 14,4 nemakore (72 akaparadzaniswa ne 5 akaenzana ne14,4).
Kana mari yako iri kuwana chiyero che1 muzana chikwata chekuda, inotora iwe - yep, iwe wakazvifungidzira - unofambisa makore 72 kuti uite kaviri.
Yeuka: iri "mutemo wegumbo," kwete mutemo wesimbi. Mutemo we 72 haugadziri kutsanangurwa kwemashoko anoita hutano hwakakura mukudzoka kwako, semitero uye mari yako yekubhadhara mari.
Zvisinei, iyo inotungamira inobatsira pakuita nekukurumidza kufunga kwepfungwa kuti ichakutora nguva yakareba sei kuti udzore $ 10 000 mu $ 20,000.
Kunze kweizvozvo, chiyeuchidzo chinonakidza chekuti simba rimwechete yepakati rinogona sei.
Misiyano iri pakati pe6 nezana ne7 muzana haifanzwi seyakawanda. Asi musiyano pakati pechipiri nemari yako mumakore gumi nemaviri zvichienderana nekupeta mari yako mumakore gumi nematatu (3.3) inonzwika yakawanda zvikuru.
Sevhesi yechipfuva, Mutemo we 72 unofunga kuti mari yako "inoumbwa gore negore" - izwi rinoreva kuti kamwechete pagore, kufarira kwako kunowedzera kune wako mukuru uye mari yose inodzorerwazve.
(Kufarira ndiyo mari yawakagamuchira; mukuru ndiyo mari yawakatanga nayo.)
Mutemo we 72 unobatsirawo kufananidzira simba rekugadzirwa kwechidimbu - izvo Albert Einstein akati akanzi "simba guru pane rose."
The Rule of 115
Ini ichangobva kudzidza pamusoro peRule re115, izvo zvinotevera Mutemo we 72. Kana iwe uchifunga kuti kuwirirana nemari yako hazvina kunaka, ipapo Mutemo we 115 ndewewe. Mutemo uyu wegunwe unokuratidza kuti zvichazotora nguva yakareba sei kuTIPA mari yako.
Ndiri kutengesa iwe unogona kufungidzira kuti Mutemo we 115 unoenda sei. Gura chiyero chechido ne 115. Ichi ndicho chikamu chenguva inokutora iwe katatu mari yako.
Semuenzaniso, kana mari yako iine huwandu hwe8 muzana yekutambira, inotatu mumakore gumi nematanhatu (115 yakapatsanurwa ne8 inoyanana 14.3).
Kana mari yako inowana chikamu chechikamu chezvikamu 5 muzana, inowanikwa katatu mumakore 23 (115 yakapatsanurwa ne5 inoyanana 23).
Cherechedza kuti katatu mari yako iri nyore - mune zvimwe zvikonzero - kudarika kuwedzera mari yako. Kana iwe uri kuwana chikamu chechikamu chezvikamu zvishanu, iwe uchapedza makore 14 nehafu uchiedza kuipeta kaviri, asi kungowedzera makore gumi nematatu katatu.
Chikamu Chidimbu Ishamwari Yako
Mutemo we115 unofanirwawo kuburikidza nesimba rekombedzero . Kana kufarira mari yako yakawanda, mari yako ichakushandira.
Zvisinei, izvi zvinotora kuti iwe udzorezve kufarira pane kuidhara pane dzimwe mbatya kana mitsva.
Ndakaudza shamwari pamusoro pemitemo iyi kamwechete, uye akabvunza mubvunzo unonakidza: "Ndinovandudza sei kufarira? Ndinoziva sei kana ndiri kutoita izvozvi kana kwete? "
"Kana iwe usiri kutora cheki kana kuti kubhadhara kubva mumari yako gore roga rega," ndakapindura, "iwe unogona kudzorerazve kufarira."
Tarisa peji - kana pakombiyuta-paunotenga mari yako. Iwe unofanirwa kuona bhokisi shoma rinoti, "dzorerazve chikwereti uye zvikwereti." Bhokisi iro richave riripo pasinei nokuti uri kuisa mari mune mutual funds , stocks, bonds kana shanduko-inoshandiswa mari .
Chengeta bhokisi iroro wozokanganwa nezvazvo. Chimirira makore gumi nemana. Tarisa mari yako katatu.
Ndizvo zviri nyore.
Uyewo funga nezvehutongi hwe3%.