Imithetho Yomcebo Okufanele Ube Nayo Esikoleni
U-Andrew Hallam wenza. Ungumfundisi owaba yindlalifa eyenziwe ngokwayo oneminyaka engu-38. Futhi uthi ungaba owodwa, futhi-ngisho noma wenza umholo omncane.
UHallam ungumbhali weMillionaire Teacher: Imithetho Eyisishiyagalombili Yomcebo Okufanele Ufunde Esikoleni. Kuyincwadi ehlakaniphile, ngoba uHallam ngokwakhe ungumfundisi wezigidi futhi naye, ngokubhala kwakhe, ufundisa abantu ukuthi bangaba kanjani abayizigidi.
Iyini imithetho yakhe eyisishiyagalolunye yengcebo?
Isimiso soku-1: Sebenzisa njengoba ufuna ukukhula
Iningi labantu lisichitha sengathi bafuna ukubonakala becebile. Baqhuba izimoto ezinamafolda ezivame ukukhokhelwa noma eziqashiswayo. Bathwala izikhwama ezinkulu, bagqoke izingubo zokugqoka futhi bathathe amaholide ama-5.
Lokhu kungenza bazizwe becebile, kodwa ngeke kubasize bacebe. Eqinisweni, kuyoba nomthelela ohlukile.
Lapho uHallam eseneminyaka engama-20 ubudala, wabamba amahlumela akhe ukuze adle amaprotheni mahhala. Wahlala nalabo abahlala nabo futhi ngokuvamile wayehlala endlini abahlala eholidini ukuze bathole ukuqashwa mahhala. Akazange avule ukushisa. "Ngizohamba ngendlini ngigqoke ama-shirts kanye nama-sweaters ngesikhathi iqhwa likhishwa ngaphandle," esho.
Uzwakala njengomuntu wezigidi-in-the-making? Kunjalo!
Umthetho wesi-2: Sebenzisa umlingani omkhulu wokutshala imali onayo.
Umtshali wezombusazwe uWarren Buffet uthenge isitoko sakhe sokuqala eneminyaka engu-11 namahlaya ukuthi waqala isikhathi eside kakhulu.
Lelo hlaya lifakazela ukubaluleka kwesikhathi.
Isikhathi sibalulekile uma kuziwa ekwakheni iphothifoliyo yezigidigidi zama dollar, ngoba unyaka ngamunye odlulayo uvumela isithakazelo sakho ukuba sihlanganiswe, noma sikhule. Futhi isithakazelo esiyinkimbinkimbi ngumlingani wakho omkhulu wokutshala izimali.
Cabanga ukuthi utshala imali engu- $ 50 ezingeni le-interest rate. Ngemuva konyaka owodwa uhola u- $ 5 ngenzalo, ngenani lezingu-$ 55.
Ekuqaleni konyaka wakho wesibili, unayo imali engu- $ 55 - imali engu-$ 50 yokuqala kanye ne-$ 5 eyengeziwe owayitholile inzalo. Uzothola amaphesenti angu-10 kulolo lukutshala kwe $ 55, elilingana no-5.50
Qaphela ukuthi ngoNyaka 1, uthola imali engu-R5 kuphela. Kodwa ngonyaka ka-2, uzuze u-$ 5.50 ngenzalo. "Inzalo ehlanganisayo" yilezi ezingaphezu kwamashumi amahlanu, okuyinto enesithakazelo oyenzile ngentshisekelo yakho.
Uma ushiye isikhathi eside isithakazelo sizihlanganise, uqobo lwakho luyoba lukhulu kakhulu. Yingakho ukuhlanganisa isithakazelo kungukuthi u-ally wakho omkhulu wokutshalwa kwezimali.
Isimiso sesi-3: Amaphesenti amancane apakisha amaphuphu amakhulu.
Uma utshala imali esikhwameni esisetshenziswa ngokuhlanganyela, cishe ukhokhe imali ephezulu. Izimali ezisebenzayo zikhokha ngaphezulu "izindleko zokulinganisa" (igama eliyinkimbinkimbi "yezindleko") kunama-index index ephethwe. Abanye baphinde bakhokhe imali engu-12B1, izindleko zokuhweba, imithwalo yokuthengisa kanye ne-bevy yeminye imali.
Lezi zimali zingase zizwakale zincane, kodwa zipakisha i-punch enkulu. Gcina izimali ezikhokha imali ephansi njengemali yezindleko noma izimali ezithengiswa ngemali ebizwa nge-commission-free exchange market.
Umthetho 4: Ukunqoba isitha esibukweni.
Imibuzo esheshayo: ingabe ungathanda ukukhokha intela egcwele ye-jeans, noma uthole isaphulelo se-20% se-pair efanayo ye-jeans?
Lona umbuzo olula.
Ukucabanga ukuthi konke okulinganayo (isib. I-jeans ithengiswa endaweni efanayo yesitolo, inikeza inqubomgomo efanayo yokubuyisela, njll), ungathanda ukuthenga isaphulelo.
Ngakho kungani ungenzi into efanayo uma kuziwa ekuthengeni amasheya?
Nasi iqiniso elibukhali: lapho imakethe yezimakethe iwa, abantu bathambekele ekuthengeni kancane. Empeleni, bathambekele ekuthengiseni. Lapho imakethe ikhuphuka, abantu bathambekele ekuthengeni okuningi. "Ukuthenga okuphezulu nokuthengisa okuphansi" - okuphambene nalokho okufanele bakwenze.
Ukuthambekela komuntu ngokwemvelo. Yona futhi okufanele silwe.
UMthetho wesi-5: Yakha izintaba zemali ngephothifoliyo ephathekayo.
Amahlumela aseBrussels akuhle kuwe. Kodwa uma kuphela ukudla okudlayo, ulahlekelwa amaprotheni, i-calcium nezinye eziningi amavithamini namaminerali atholakele kokunye ukudla.
Sidinga ukudla okulinganiselayo, futhi sidinga iphothifoliyo elinganisiwe.
Ukhuthaza ukunciphisa imali yakho kwisikhwama sezindleko zezimpahla zasemakhaya, isikhwama sezinkampani zomhlaba wonke, kanye nesikhwama semali esikhashana esifundeni sasekhaya. Lokho kuhle kakhulu - udinga kuphela izimali ezintathu zokuqala.
Gcina iminyaka yakho izibopho, nazo zonke ezisesitokisini, uthi. Ngokwesibonelo, umAmerica oneminyaka engu-30 ubudala, uzogcina amaphesenti angu-30 ezinkampanini zikahulumeni wase-US ezincane kanye namaphesenti angama-70 emasitokisini, ahlukaniswe ngokulinganayo phakathi kwamasheya ase-US nama-stocks angaphandle. Uvuselela njalo ngonyaka.
Isimiso sesi-6: Isampula "ithikithi le-round-the-world" lokufaka inkomba.
Izimoto zomhlalaphansi ezifana ne-401 (k) izinhlelo kanye nezinhlelo zeRoth IRA, ukuhlelwa kwentela kanye nezinzuzo zokuvikeleka kwezenhlalakahle, ngemuva kwakho konke, izingxenye ezibalulekile zesicwangciso sakho sezimali. Futhi lezi zakhi ziqondile kwezinye ze-US Ezinye izizwe zinemithetho ehlukene, izinhlelo nezinqola zokutshala izimali.
Kodwa uma uhlala eCanada, eSingapore noma e-Australia, uzothanda lesi sahluko encwadini kaHallam. Ukhombisa ukuthi abantu abahlala emhlabeni wonke bangakha kanjani izimali zenkomba.
Isimiso sesi-7: I-Peek ngaphakathi kwincwadi yokudlala ye-pilferer.
Kule sahluko, uHallam uxoxa ngamaqhinga okuthengisa evame kakhulu-asetshenziswa kakhulu abadayisi abasebenzisayo lapho bezama ukukukholisa ukuthi ugcine imali yakho kwimali esebenzayo esikhundleni sezimali ezingenayo imali. Ubala izimpikiswano abadayisi abazenzayo-bese bambaza ngamunye phansi. Ubuye akhombise ukuthi abadayisi banomthelela omkhulu kangakanani wezezimali ukuze bakuthole izimali ezikhokhelwa ngaphezulu.
Umthetho 8: Gwema ukukhohlisa.
Ngo-1998, umngane weza eHallam nge-investment-good-to-true-investment, inkampani eyayikhokha amaphesenti angama-54 ngonyaka. U-Hallam wayengenangqondo, kodwa wabheka umngane wakhe eqoqa le nzalo ngokuhamba kwesikhathi eminyakeni emihlanu elandelayo. Ngonyaka ka-2003, uHallam wayeqiniseka, ngakho wabeka imali engu-R7 000 enkampanini kanti abanye abangane bakhe bajoyina. Le nkampani kamuva yaba uhlelo lwePonzi, futhi abatshalizimali balahlekelwa konke.
Ungalingwa ngemali elula, uHallam uxwayisa. Namathela ezinkampanini zenkomba.
Isigaba 9: Isixazululo sokuqoqa amasenti angu-10 - uma ungakwazi ngempela ukuzisiza.
Yini okufanele uyenze uma ngempela, ufuna ngempela ukutshala izimpahla ezithandwayo? Nciphisa ukuvezwa kwakho okungaphesenti kwezingu-10 zephothifoliyo yakho yonke futhi ufunde amasheya kahle.
Funda kabanzi mayelana nencwadi ku-Andrew's website, AndrewHallam.com
Ukuziphendulela: Ikhophi yokubuyekeza inikezwe umshicileli.