Abantu abaningi, emva kokuthola imali enkulu, babhekana nombuzo othi "Kuphi ukugcina imali?" Futhi ungaqondi ukuthi yini okufanele uyenze ukuze uphathe kahle izimali ezitholwe ngokusebenza ngokweqile. Sinqume ukucubungula izinketho zokugcina zokugcina zamanothi abalulekile.
Kuphi okungcono ukugcina imali?
Uma kwenzeka uqongelele imali engahlosiwe ukuthenga noma yikuphi okuqondile, kodwa kanjalo, esikhathini esizayo, bese sikunikeza uhlu lwezinketho ezinhle zokugcina imali yakho. Emva kwakho konke, uma ungabuzi ukuthi "Kuphi inzuzo ukugcina imali" ngokuhamba kwesikhathi, khona-ke ungangenisa ukulahlekelwa ngenxa yokukhuphuka kwamandla emali noma, kancane kancane, ubaxoshe.
- Ngakho-ke, uma isabelo sakho semali noma iholo lakho likhokhwa ekhadini leplastiki yasebhange, ngakho-ke asikhuthazi ukugcina imali kuso. Ekhadini udinga ukugcina kuphela imali oyisebenzisayo ukuthenga ukudla, ukukhokhela izikweletu zesevisi, njll. Ezinye zezimali zakho zama ukukwenza "usebenze", ziguqule zibe yimpahla yakho yemali, okungukuthi, utshale izimali. Futhi, ungagcina inani elitholiwe kusukela emholweni kwi- wallet electronic . Into esemqoka akukona ukwenza ukuthengwa kwe-rash kwi-intanethi.
- Kuphi ukugcina imali ekhaya? Khumbula ukuthi kwakuhlale kuyingozi ukugcina imali endlini. Yiqiniso, ungakwazi ukubeka imali yakho kwidiphozi, ngakho-ke, ukuze uzivikele uma kwenzeka "izivakashi" ezingemenyiwe zingena endlini yakho. Kodwa, uma usenqume ukugcina imali yakho ekhaya futhi engozini yakho, ngakho-ke, ngaphambi kokuba ubheke ikhoneni eliphephile, ungakhohlwa ukuthi isela alikhathaleki ukuthi lifihliwe, ngoba kuye inani eliyinhloko kunokuba uzokushiya. Uma uphikisana naleli phuzu, uzoqonda ukuthi impendulo yombuzo othi "Kuphi okunokwethenjelwa kakhulu ukugcina imali endlini?" Kuyoba: akufanele kugcinwe lapho i-villain izobukeka khona kuqala: ku-ephephile, emabhantshi, emakhakheni ngezingubo, ekamelweni lokulala, njll. Izindawo ezinokwethenjelwa kakhulu: ibhokisi elinamafutha okugeza, indawo eduze kwendlu (kulokhu kuyadingeka ukwazisa izihlobo zakho mayelana nendawo yakho eyimfihlo ukuze imali yakho ingalahlekelwa ngogwaja) . Ungasebenzisa futhi indawo ngaphansi kwebhasikidi ngezindwangu ezingcolile, kumaphakheji owawusebenzise isikhathi eside (akufanele ukuthi, angabi ekamelweni lokulala, kungenjalo ngeke kubonakale sengathi uyakholelwa nhlobo).
- Ungenza idiphozi yasebhange. Ibhange ukhethe lowo ohlinzeka ngephesenti eliphezulu ngonyaka futhi akunika ithuba lokuqinisekisa umnikelo wakho. Ungafaka imali yakho ensimbi enenani eliyigugu noma e-real estate. Kumele kuqashelwe ukuthi njalo ngonyaka amanani womabili akhula. Indlu ingaqashwa.
- Ngemva kokubonisana nochwepheshe, thola ukwabelana kwanoma yiziphi izinkampani ezinegama elihle kakhulu. Abesifazane kulokhu abanamandla kakhulu, okuchazwa yi-psychology yabo, ngakho-ke baqondiswa ukubonisana kochwepheshe besilisa.
- Enye indlela yokugcina izimali zakho ukutshala imali ku-Inthanethi. Inethiwekhi yomhlaba wonke inikeza amathuba amakhulu okugcina imali ngekhompyutha.
Ngingayigcina kuphi imali ye-feng shui?
Ngokwezimali zamandla, indawo enhle yokugcina isitoreji ikhishi, ihholo. Ekhishini, gcina izimali hhayi emabhange kusukela groats, kodwa esiqandisini. Uma usuka endlini, faka ibhidi elilodwa ngaphansi kwesibuko esendlini. Lokhu, kubonakala, kuzoqinisa ukugeleza kwemali.
I-oligarchs ihlala kuphi imali?
Izigidi zikhetha ukugcina imali ngokwemithetho echazwe nguWarren Buffett.
Ngakho, ukutholakala kwanamuhla kwe-real estate kuyathandwa. Izigidi nezigidigidi ezivela e-Asia zinikeza
Futhi "ukutshalwa kwezimali okunye" kuyisitoreji semali ngesimo segolide, amafutha, izinsimbi eziyigugu.
Izibalo zibonisa ukuthi ama-oligarchs aseCanada naseMelika azimisele ukuthenga amasheya noma ahlanganyele ekutshaleni izinto zokusetshenziswa. Ngesikhathi esifanayo, njengabacebile baseLatin America, bagcina imali, babatshala izimpahla namafomu ezweni lakubo. Okokugcina, khumbula ukuthi udinga ukucabanga ngalunye ukhetho lokugcina imali yakho. Sebenza kanzima futhi ukhumbule ukuthi imali kufanele ihlale isebenza kuwe.