Inqaku loMhleli: Le nxalenye yesi-2 kwinqaku engama-2. Uyakubona inxalenye 1 apha .
Ewe sihlawula i-40% kwiibhanki kunye ne-2.5% kwiintsapho zethu ngekamva lethu. Ubani ozityebi kuloo mzekelo weshishini? Amaziko amabini azuza ubutyebi kunye nalo mzekelo kwaye bhank (abasigcina senza iintlawulo kwi-flow flow yethu xa kungenjalo bonke ubomi bethu) naseWall Street.
Uyabona nayiphi na imali esiyichithayo ingena ngaphakathi kwi-401k okanye i-IRA yethu kwaye ifunyaniswe imali kwiimali ezixhaswa yiWall Street.
Qaphela kwakhona: I-Top Money Podcasts I-Smart Entrepreneurs Ephulaphule
Yenza ngokwakho intando kwaye ungeze yonke imali oye uyihlawula kwiibhanki nayiphi na imali mboleko kwixesha lakho lobomi. Emva koko uthelekise loo manani ukuba ungalondoloza bunjani kwi-IRA yakho okanye 401k. Sisiphi isibalo esikhulu? Ngaphandle kwemibalwa embalwa isebenza ukuhlawula iibhanki inombolo enkulu kunye nokugcina kwethu inamba encinci.
Ngamanye amagama sivumela i-asethi yethu ebaluleke kakhulu (ukuhamba kwemali kuphela xa uthe wabukhohlwa) ulandelelwe ngokusesikweni ubomi bethu ngeenqwelo zorori. Nceda uqonde ukuba akumele kube njalo nangona ihlabathi lezemali eliqhelekileyo likuxelela ukuba akukho nto enokuyenza. Yintoni esinokuyenza ukuze siqalise ukukhawuleza ngokukhawuleza la manani ngokusithandayo?
Qaphela kwakhona: Indlela yokwenza imali ngokuqala ibhulogi
Vula iBhanki Yakho!
Hayikho ibhanki kunye neebhanki kodwa yinkqubo yezemali olawulayo. Iiplanga ezikhoyo zikhoyo kunye okanye ziqale ukuyeka ukuhamba kwemali kweli qela leemali ukuba unemali encinane yokuqalisa. Ngoku sebenzisa le mali ukuxhasa ubomi bakho. Esikhundleni sokubeka imali kwisibonelelo sakho se-401k sakho ikhefu lokuxhasa imali uze uzibophezele ukuba uthenge imoto yakho ezayo.
Emva koko uzihlawule umlinganiselo wenzala efanayo kunye nentlawulo oyimfuneko yokuhlawula umboleki ngaphandle. Le nkqubo iya kukuvumela ukuba ugcine kwaye ukwandise ukuhamba kwemali yakho. Masithi ufumanisa intlawulo yakho ibe yi-$ 400.00 ngenyanga ngaphezu kweminyaka engama-4 ukuba ubuya kutsala imali mboleko ukuthenga imoto kwibhanki yakho. Makhe sicinge ukuba uboleke i-$ 25,000 namhlanje ukuthenga imoto yakho. Ngoku iprojekthi ye-5 kwiminyaka ezayo kwaye ithi imoto yakho ixabise i-$ 5,000 eyi-$ elithetha ukuba ulahlekelwe yimali engama-20,000 yeenkunzi kwixesha elifanayo leminyaka emi-5. Ukuba uncedise le mali ngemali yebhanki yendabuko makatsho ukuba uhlawule enye inzala engama-3,000 engama-5 000 kwithuba eliyiminyaka eli-5 elithetha ukuba ukulahleka kwakho konke bekuyi-$ 23,000 xa kuhlanganiswe nokuhla kwexabiso.
Qaphela kwakhona: Indlela yokwenza imali yePodcasting
Le ngongoma yobutyebi obungabonakaliyo ukuba bambalwa abantu abaye bacinge ngako kodwa awunabantu abaninzi. Ngokugcina ukulawula ukuhamba kwakho kwemali nokuzihlawula ngokwakho uye wabuyisela kwakhona ukuhla kwexabiso oye wahlupheka kwi-car ($ 20,000) kwaye wathatha i-$ 3,000 kwiindleko zezemali oya kuhlawula ibhanki yangaphandle. Ibhanki yakho yangaphakathi oye yafumana i-$ 3,000 eyayiza kulahlekelwa ngumthengisi wendabuko.
Xa uhlawula umboleko wakho wangaphakathi wee-25,000 zamaRandi ubuye wabuyisela yonke imali ehla
Uyakhumbula ukuba inani elikhulu olihlawule ngayo kwiintlawulo? Le yindlela yokuqala ukwenza umsebenzi wokuhamba kwemali yakho kwaye kungekhona iibhanki kunye neWall Street. Tune kwisiqendu esilandelayo apho siza kuxubusha khona ukuba siqale ukuhlawulela loo mali eya kukunceda ukudala ubutyebi bentlalo ehlawulelwayo.
UJohn Jamieson ungumbhali weencwadi ezimbini ezithengisa kakhulu ngeyona nto yakutshanje ethi "Ubutyebi obungenazo iiShishini okanye i-Mutual Funds". Ufunwa kwisithethi sesizwe ekudalweni kwendalo kunye nokulondolozwa kwaye uthethe abantu abayizigidi kuwo wonke umzi omkhulu eMntla Melika. UJohn nguye umbhali wenqaku elininzi malunga nezemali, ishishini kunye ne-estate. Ungamfumana ku-www.wealthwithoutstocks.com
Qaphela kwakhona: Indlela yokuBhalisa igama leNgcaciso ngaphandle kokucinywa