Nzira Yedu Yokusangana Nayo Imari Kubhadhara paIkambani uye Mumhuri Yangu
Tariro yangu pakuita izvi ndeyokuti ichakubatsira iwe kuisa pamwe yako podfolio uye kuronga hupenyu hwako hwehupfumi kuti uwane izvo unoda kubva pane iwe pachako uye nezvekutsvaga kwebhizimisi. Mari, mushure mezvose, haisi chinhu chinongova chinhu chete. Nokuzviisa kuti zvikushandire iwe nenzira yakanakisisa, inozadza, unogona kufara kubudirira pakutanga kwehupenyu uye nehuwandu hwehupenyu.
Asset Rudzi # 1: Avo Vanokonzera Kudzoka Vanodzoka Pamusoro Pokumanikidzwa, Kurasa Kubhadhara Mari Yakawandisa Pamusoro Pechidiki Chekuita Mari Asi Izvozvo Zvinogona Kukura Asi Izvozvo Zvinogona Kuwedzera Nokuwanazve Mufaro MuChesi Yebhizimisi Yokuwedzera.
Iyi ndiyo yechipiri yekutsvaga mari yakawanda nokuti iwe unogona kuwana mari huru pamari shoma. Kukundika ndechokuti iwe unofanirwa kubhadhara mari yose sezvikwereti kana kudzorerazve muzvinhu zvakaderera zvekudzoka nokuti basa rekushandisa harigoni kuwedzerwa kuburikidza nehuwandu hwezvekuwedzera.
Funga nezvechiritiri kune chigadzirwa chinoita mazana ezviuru zvemadhora pagore.
Pane zvishoma zvishoma zvekutsvaga mari apo mari iyo inotanga kuuya asi iwe haugoni kuiisa mune mamwe mavheti pamutengo wakafanana wekudzoka. Kusiyana nemhando yekutanga yenyika, haugone kuisa mari iyoyo kuti ishande pane imwechete (iwe unowana chibvumirano chako chechiremera chekare uye unofanira kuwana chimwe chinhu chinokwezva asi Ray Kroc paMcDonald akangovaka imwe nzvimbo, achiita zvishoma kudzoka kumwe mutsva McDonald nzvimbo sezvaaita pane yekare.)
Pane imwe nguva, mabhizinesi ose e # 1 achava mabhizimisi emhando ye # #. Izvi zvinowanzoitika pakuzadza. Kana nguva iyo yasvika, vatungamiri vangazotanga kudzorera mari yakawanda kune vagovani vembairo kana sechikwata chepamusoro chekubhadharisa chikomborero uye / kana zvigadzirwa zvekutsvaga zvekutsvaga zvigadziriswa kuderedza mari yose inoshandiswa.
Asset Type # 2: Avo Vanoita Kudzoka Kudzoka Kukuru, Kurasa Kubhadhara Mari Yakawandisa Pamusoro Pokutengesa Kuduku Zvikuru asi Izvo Hazvikwanisi Kuwedzerwa Nokudzorerazve Muzvinhu Zvakakosha
Iyi ndiyo yechipiri yekutsvaga mari yakawanda nokuti iwe unogona kuwana mari huru pamari shoma. Kukundika ndechokuti iwe unofanirwa kubhadhara mari yose sezvikwereti kana kudzorerazve muzvinhu zvakaderera zvekudzoka nokuti basa rekushandisa harigoni kuwedzerwa kuburikidza nehuwandu hwezvekuwedzera.
Funga nezvechiritiri kune chigadzirwa chinoita mazana ezviuru zvemadhora pagore. Pane zvishoma zvishoma zvekutsvaga mari apo mari iyo inotanga kuuya asi iwe haugoni kuiisa mune mamwe mavheti pamutengo wakafanana wekudzoka. Kusiyana nemhando yekutanga yenyika, haugone kuisa mari iyoyo kuti ishande pane imwechete (iwe unowana chibvumirano chako chechiremera chekare uye unofanira kuwana chimwe chinhu chinokwezva asi Ray Kroc paMcDonald akangovaka imwe nzvimbo, achiita zvishoma kudzoka kumwe mutsva McDonald nzvimbo sezvaaita pane yekare.)
Pane imwe nguva mabhizinesi ose e # 1 achava mabhizimisi emhando ye # #. Izvi zvinowanzoitika pakuzadza. Kana nguva iyo yasvika, vatungamiri vangazotanga kudzorera mari yakawanda kune vagovani vembairo kana sechikwata chepamusoro chekubhadharisa chikomborero uye / kana zvigadzirwa zvekutsvaga zvekutsvaga zvigadziriswa kuderedza mari yose inoshandiswa.
Asset Rudzi # 3: Vaya Vanokoshesa Kure Kunze kweUwandu hweKutapukisa asi Hakuza NemaCash Flow
Funga nezvemari isingawanzoiti kana yekushambadzira kwakaisvonaka. Kana vako navanasekuru vako vane Rembrandt kana Monet, zvichave zvakakosha mamiriyoni emadhora nhasi zvichienderana nehuwandu hwekutsvaga mari yavo. Pasinei neizvi, mumakore akawanda mhuri yako yaive nayo, iwe ungadai usina kukwanisa kushandisa kukoshesa pane zvakakosha kubhadhara renhi kana kutenga chikafu kunze kwekuti iwe wakakwereta, uchida kutora mari .
Ndicho chikonzero izvi marudzi ehuwandu zvinowanzosara zvakasara kune avo vanogona kunge A.) Vanobata kubata nokuti vane pfuma yakawanda uye zvinhu zvemvura pane imwe nzvimbo kuitira kuti kuisa mari mumari yekutsvaga haisi mutoro kana kuoma pamhuri uye / kana B.) Vaya vane chido chakasimba chemukati wekutengesa misika uye vanowana mufaro mukuru kubva mune unyanzvi hwekuunganidza chero zvavanonakidzwa nokuunganidza (mafuta emifananidzo, waini, mari, makadhi e baseball, bhomba raBarbie vhizha - rwandu haruna 's kuguma). Vanhu ava vari mukukunda-kukunda nokuti vanoona kushandiswa kwebasa ravo uye mufaro kubva kuvaka chikwata pamwe nemari yekubatsira mari yakawedzera.
Ndaienda kure kureva kuti haufaniri kutora chero chinhu chipi zvacho chausingafari iwe pachako.
Asset Rudzi # 4: Avo Vari "Zvitoro Zvekukosha" uye Vanozoenderera mberi Nezvokudya
Wati wambotarisa firimu rekare uye wakanzwa mukuru wemhuri akanyevera vamwe kuti "vavanze sirivha" kana munhu ane chirwere chakaipa achionekwa pamusuo? Zvimwe zvinhu zvinokosha zvakakwana zvakakwana zvokuti zvinokwanisa kuramba zvichienderana nekutengesa kwezvinhu, zvichifunga kuti iwe wakazvitenga zvine njere pamutengo wakaderera iwe unogona. Kunyange zvazvo isiri mari yezvokwadi, inopa ruzivo runogona kushandiswa mumamiriro ekukurumidzira akadai seKukuru Kuwedzerwa .
Muenzaniso wekare wemhando yakadaro yehupfumi ndiyo yakagadzirwa nemhando yakakwirira yepamusoro yakatengwa mumusika wechipiri kubva kune vatengesi vekare kana painotta; midziyo kubva kuvakiki vakaita saB Baker, Henkel Harris, kana Bernhardt. Zvinogona kuonekwa zvisina musoro kune munhu akapfuma kubhadhara $ 18,000 muzana remakore rechi19 remakore paSotheby's asi, achifunga kuti yakanyatsogadziriswa, zvakanaka kwazvo zvinogona kuguma kwete kungochengetedza kukosha kwayo asi kurova zvibvumirano kune nguva yekutora!
Dr. Thomas J. Stanley paYunivhesiti yeGeorgia akatsvakurudza pamusoro pevapfumi muAmerica. Akawana mabheji aya evarume nevakadzi vane ruzivo vane ruzha rwekutenga zvinhu zvinopedzisa nguva, yakareba kwenguva refu. Vanoda kubhadhara mberi mberi asi vanotora mari shoma kuburikidza nekushandiswa kwenguva refu, vachiongorora zvinhu zvose kusvika patafura yavo yekudya yekudya nenzira imwechete iyo CFO yekambani inogona kuongorora mari yekushandisa mari yezvitsva zvitsva. Kusiyana neizvi, varombo uye vari pakati pepakati vanotenga firusi-kunze midziyo inotora makore mashomanana, inowanzogadzirwa nehutundu bhodhi, uye inopedzisira iri mune imwe nyika. Hazvisi kwenguva refu vasati vadzoka muchitoro, vachishandisa mari yakawanda, vachikanda mari kuti vawane nzvimbo.
Iwe haungambodi mari yako yakawanda muzvinhu izvi zvepfuma asi kana uine chikwereti-pasina uye zvinhu chaizvoizvo zvichienda kumaodzanyemba, iwe unenge uchinge uchiteerera kuburikidza nekuderera kwezvepasi rose kwehupfumi mumutauro, kunyaradza, uye nezvinhu inogona kutengeswa kwekudya kana zvombo.
Nhaka yeAfa # 5: "Zvigadzirwa zveKubwinya" Zvicharamba Zvichifamba Nezvokudya Zvishoma asi Zvine Futiro Inodhura, Nokudaro Kuvaita Kuti Vave Masimba Mukati Izvo Vanoda Mari Kubhadhara Muhomwe Yenyu
Iyi ndiyo iyo goridhe, chaiyo, uye Steinway grand pianos inowira.
Tichitarisa kumashure ematare ezviuru zvemakore, kwenguva refu, zvakanakisisa izvo zvinhu zvinogona kuitika ndezvokuti kuchengetedza munhu kana simba rekutsvaga kwemhuri muhutano, zvishoma kudhura kwekuchengetedza nekufunganya pamusoro pezvinhu zvemakore iwayo ose.
Mune mamwe mazwi, makirasi aya anogona kukuchengetedza upfumi, asi haazoita kuti uve akapfuma kunze kwekuti iwe uwedzere huwandu hwakawanda hwehuwandu hunoita kuti kuwedzerwa kwekudzoka kwehutano kuwedzere. Nenzira inobatsira, izvo zvinoreva kana taizoenda kune huwandu hwekuwedzera kwezvinhu, zvingava zvakanaka kushandisa shanduko nekukwereta kutenga zvivako kana kutenga dhizimisi remangwana (iro rine zvingakanganiswa - zvinenge nguva dzose zviri nani kutora kubhadhara ndarama, kunyange iwe uri kungovhara goridhe yakadai seAmerica Eagle , Canada Maple Leaf , Vienna Philharmonic , kana mari yeGold Krugerrand pasinei nekufambisa uye kuchengetedza mari kana iwe uchifunga kuti nyika iri kuparadzana saka haufaniri kunetseka pamusoro pekuchengetedza ngozi).
Ichi ndicho chikonzero unoona mhuri dzakawanda dzakapfuma dzichiita mune chimwe chinhu chinozivikanwa se "kuenzana" (kune zvimwe zvikonzero zvekuchengetedza mazairo okuzviita asi hutano hwezvemari hwakafanana, kana kwete kure, hunokosha, mumaonero angu).
Heino pfupiso yepamusoro yekuti inoshanda sei:
Ngatiti iwe une imba ye $ 1 000 000 mu Southern Southern California. Kana usiri uine chikwereti uye nzvimbo yacho yakakodzwa ne5%, mumakore makumi matatu, iyo inenge inokosha ye $ 4 320,000. Iye zvino, zviri pachena, iwe wakanga uri kunze kwekukanganiswa kwezvinhu - vashandi veimba yemusha, kupisa, mvura, nezvimwe.
- nokuda kweiyo nguva yose asi iwewo wakanga uine basa rekugara munzvimbo yacho. Kudzoka kwako pasina chekutengesa kwaizova kusinganzwisisiki. Iwe ungadai wakarasikirwa nekutsvaga simba mushure mekugadzirisa kune zvakakodzerwa zvinoshandiswa pazvigadziriswa zvishoma nezvishoma pasinei ne "purogiramu" ye $ 3 320 000. Sei? Nemhaka yechinhu chimwe chinokosha: Kutenga simba ndizvo zvose zvinokosha . Chinokosha kuhomwe yehomwe yemhuri yako ndiyo nhamba yehamburgers, kana pianos, kana mapeni, kana makapu ekofi, kana chero chipi chaunoda kuti iwe uwane. Pfuma inofanira kuyerwa nehuwandu hwemasimba ekutenga, kwete kungoita madhora kana mafaji emari.
Kana iwe usadzidze chimwe chinhu kubva kumamiriyoni emazwi andakanyora pamusoro pemakore, ini ndave ndaita basa rangu. Kutenga simba ndiro mutungamiri wako. Kutenga simba ndizvo zvinokosha.
Kana, kune rumwe rutivi, mhuri yakaisa pasi $ 250,000 uye yakwereta $ 750,000 kutenga iyo inowana mari ye $ 3 320 000 yaizopesana ne $ 250,000 yekutanga kutengesa. Kudzoka kwavo pahutano pamberi pekutengesa mari inenge iine 14,47%, vachirova zvikwata . Vaizove vaine mari yakawanda yekubhadhara mari yekutora, iyo inofanira kuregererwa muhuwandu nemitero yakaderera yaibhadhara panguva iyoyo, saka hazvisati zvisingambofungidziri kuti iyo dzimba ingadai yakarova misika yekutengesa.
Kune mhuri dzakawanda, hazvina basa nekuti yeveragedaged real estate inoita kuti vawane pfuma chaiyo , yakavakwa nenzira yemhuri yakakwana apo ine basa rekugara muimba. Kunyange kana mashizha kana mabhizinesi ega ega angave akaita zvekudzoka kwakakwirira, haugone kurarama mazviri.
Dambudziko rekushandisa miviri yakadai seyikukuvadza kunogona kuita kana mitengo inowira, zvichiita kuti zvive zvakakosha, zvichida kunyange kubhadhara-kukonzera, kurasikirwa.
Uyezve, pane dzimwe nguva "mamiriro ezvinhu anokosha" muzvivako zvisati zvabatanidzwa pano uye zvinogona kuva zvakanakisa kune muzvinamari anotarisa kuti awane upfumi pamadhora ekudzoka kwemakore akawanda. Avo vane ruzivo uye ruzivo rwokutenga zvigadzirwa zvemaimba, somuenzaniso, uye vanogona kutendeuka nekutengesa imba yacho nekunyatsogadzirisa "bhizinesi" dzine unhu hwakanyanya kufanana neAprice Type # 1 kana # 2, zvichienderana nenzira dzavo uye mamiriro avo ezvinhu .
Ichokwadi chokuti iyo inowanikwa pasi inosanganisira nyika inowanikwa kana zvivako hazvina kunyanya kukosha (sekugadziriswa - mombe ndeyebhadha yebhizimisi yekudzoka seyo nzvimbo yekutengesa asi McDonald yakabatanidza iyo miviri muhurongwa huchienderana nekutengesa maitiro akaita zvisingaverengeki zvakakwirira kudzoka pahutano kune avo vanogoverana pamakore emakore).
Izvozvowo zvinowanzoitika pamusoro pegoridhe, chete kune ngozi yakakwirira yakawanda inoshandisa kuyerwa nokuti misika yemari inonyanya kufungidzira kupfuura mararamiro ehutano nehutano . Donho duku shoma raisazokukuvadza mumatanda rinogona kukudzima kunze kwekugadzirisa maitiro ekuchengetedza mazita pane vazhinji vatengesi vatengesi . Izvi zvingagamuchirwa kana goridhe ikashandiswa kune munhu akaenzana seimba inoita. Izvo hazviiti, kunze kwekuti iwe uri mugadziri wemhizha uyo anouya achida mari yako yebhizimusi rako uye anoda kuita mabheji pamusoro pekutungamirirwa kwematengo.
Nokudaro, murume anoda kuisa mari asinganetseki nekurasikirwa nezvinhu zvose anosara kutenga mabhururi, kazhinji mumhando yegoridhe yemari, zvakakwana nokuda kwemari. Icho chirevo ndechekuti kunze kwokunge awana chimwe chezvishoma, zvishoma zvisingawaniki mumatombo egoridhe (yema1980), haambokwanisi kukura pfuma yake yakakwirira kudarika kuwedzera kwezvenguva refu. (Pane imwewo mamiriro ezvinhu asingawanzoiti iyo goridhe inogona kuva yekushambadzira kwakakosha uye iyo inowanikwa apo mutengo wepamusoro-pasi zvinyorwa zvinowira pasi pekugadzirisa kwekugadzirisa kubva pasi. Pane imwe nguva, ukama hwekugovera / hwekuda hunofanira kusvika Kuenzanisa kune avo vane zvigadziro zvekushandisa zvakanakisa mamiriro ezvinhu, uye kuchenjera kuziva kuti zvinogona kuva makore mashomanana izvi zvisati zvaitika kuitira kuti vadzivise kuparadzwa mukati mekuda kwekuwedzerwa kwemari, zvinogona kuva-kana iwe kangamwira kutaura - mgodi wegoridhe.)
Izvozvo zvakati, kubata kwenguva refu, goridhe haigoni kuitika mumashoko chaiwo. Nguva yekupedzisira pandakatarisa mutengo wekutsvaga kwemugorosi waiva $ 1.00 zvichienderana ne $ 1.01 - 1% kudzoka mumashoko chaiwo kwemazana maviri emakore. Zvakare, mazwi chaiwo - ndiko kuti, kutengesa kwenyika kuchinjwa - ndizvo zvose zvinokosha. Hazvina mhosva kuti iwe unoyera sei - madhora, clam shells, meno e shark - zvose zvinorema ndeye simba rakawanda rekutenga rawakawana sei maererano nekutsvaga kwako. Taura kakawanda iwe pachako.
Chimwe chikonzero chevatengi venguva refu vane zvigadzirwa zvakakosha, zvinopesana nekutengesa kwenguva pfupi iyo, sezvandataura, inogona kuva yakakosha zvikuru kune avo vanoziva zvavari kuita pasinei nekunetseka kwekuparadza, ndeyokuti pane kazhinji kacho kutenda kwakakanganisika kuti vanopa kuchengetedzwa kwemazuva ano. Kune avo vane ruzivo rwenhau yezvemari, rinoratidzika kunge risina musoro nokuti Hurumende yaizoita izvo zvaiita muma1930 - kurayira kuti mabhokisi akachengeteka asingakwanisi kuzarurirwa kunze kwekuvapo kwebhangi rinotungamirira kana kuti mukuru wehurumende kuti ave nechokwadi chokuti hapana midziyo inokosha yaiva mukati.
Vaya vakadarika mitemo iyi vaisangana nematambudziko akaipa emhosva.
Kuti uise pachena, kana nyika yakanyatsoenda kugehena, nzira chete yekufarira kushandiswa kwegoridhe ingadai iri kuchengetedza muchivako muSwitzerland apo hapana munhu aiziva kuti yakagara kana kuti inoda kuzviisa pangozi mune imwe misika yebasa iri zvinongoramba zvichiitika kana dhora racho rakaenda kuGermany zvakare kugadzirisa hyperinflation mazinga. Izvi zvinogona kungoitwa chete nekuramba kurondedzera kuburitswa kune hurumende yeUnited States, kuita mhaka mune zvezvino nokuda kwezvingaitika mune ramangwana. Iko nguva dzose yaiita seydiotic kwandiri pakuedza kwekudzoka kunowanikwa mune imwe dzimba dzematunhu .
Ndinofanira kuratidza kuti chikamu ichi chinoshanda chete kune bullion. Nhenda dzegoridhe dzakawanda dzinowanzosvika mumutengo wechirudzi rwe # #. Vane kukosha nokuda kwekushaiwa kwavo pachavo vachiita kuti vatengesi vazvimirire nekukosha kwematengo ematengesi. Icho chinhu chakasiyana zvachose.
Asset Type # 6: Good Consumer Goods or Other Assets That Depreciate Rapidly with Little or No Resale Value
Pasina mubvunzo, paunotarisa dheta nekutsvakurudza, izvi ndizvo zvakaita vanhu vazhinji vanopedza mubhadharo wavo. Kubva pane vhidhiyo yemutambo varaidzo kumotokari inorasikirwa makumi ezviuru zvemadhora apo iwe uchivadzinga kubva mujenya, zvipfeko zvitsva kune zvimwe zvitsva zvinofanira-zvine gadget iwe uchakanganwa mumakore maviri, izvi ndizvo zvaunowana mudzimba dzevakawanda MaAmerica.
Zvichida nzira inokurumidza kuponesa urombo, kana kuti mararamiro ekubhadharwa-ku-paycheck , ndeyekutenga Rudzi rwe # nhaka nematokari ane:
1. Imari inoshamisa-inobhadharwa kune imwe mushure mitezo (tarisa kuti chikwereti chebhizimisi pa 10% yekambani ine 35% inoshandiswa mutero inodhura zvishoma kudarika chikwereti chekodhi chairo pa7%).
2. Kuwedzerwa kwenguva yakareba / nguva yekugadziriswa kwepamusoro pane kukosha kwehuwandu hwezvinhu zvakasikwa (semuenzaniso, kubhadhara $ 3,000 kwemakore mashanu kutenga terevhizheni yakareba iyo ichava, nokuda kwezvinangwa zvose uye zvinangwa, zvisingabatsiri panguva iyo chikwereti ichiripo) .
Ichi ndicho chikonzero chikwata chejiji chinoputsika. Ichi ndicho chikonzero NFL neNBA nyeredzi dzinopedzisira dzichidzoka muimba yevarombo inotevera hupfumi neyepfumbamwe-chikwata chekuwana basa. Ichi ndicho chikonzero chivimbo chekuvimba mari chapera. Iva wakanyatsoteerera nehuwandu hwemari yako inoyerera iwe unoisa kushanda mune iyi sangano sezvo iri mari yezuva.