Utumiki wotsatsa malonda. Algo yathu imatsegula zokha ndikutseka malonda.
L2T Algo imapereka zizindikiro zopindulitsa kwambiri zokhala ndi chiopsezo chochepa.
24/7 cryptocurrency malonda. Mukagona, timagulitsa.
Kukhazikitsa kwa mphindi 10 ndi zabwino zambiri. Bukuli limaperekedwa ndi kugula.
79% Kupambana. Zotsatira zathu zidzakusangalatsani.
Mpaka malonda a 70 pamwezi. Pali mitundu yopitilira 5 yomwe ilipo.
Kulembetsa pamwezi kumayambira pa £58.
MALAMULO OCHEPA OLEMERA
Pali zisudzulo 13 pakati pa amuna 10 olemera kwambiri padziko lapansi. Asanu ndi awiri mwa khumi osudzulana atha kamodzi kokha.
Kulumikizana sikumayambitsa, ndipo kukula kwake kwachitsanzo ndi kakang'ono. Koma chiŵerengero chimene chiri choipitsitsa kwambiri kuposa avareji ya dziko, pamutu wofunikira kwambiri ku chimwemwe, pakati pa gulu limene miyoyo yawo imasilira anthu ambiri, nzosangalatsa, sichoncho?
Pali njira miliyoni zopezera chuma, zambiri zomwe zimaphatikizapo kugwiritsa ntchito ma niches apadera ndi mwayi umodzi, osanena chilichonse chamwayi. Malamulo apadziko lonse okhudza momwe mungalemere ndi ovuta kuwatsata.
Koma kutaya ndalama, kapena kutaya chisangalalo mukakhala ndi ndalama, kapena kukhala kapolo wa ndalama zanu - nkhanizo zimakhala ndi ziwerengero zofanana. Ndiwofala kwambiri mutha kuwatcha malamulo.
Kuyeza chuma ndikosavuta. Inu muzingowerengera izo. Kuyeza zina mwazochepa za chuma kumakhala kovuta kwambiri komanso kosavuta. Zitha kukhala zachidule komanso zovuta kuziyeza kotero kuti anthu ambiri sangakhulupirire kuti zilipo. Kutsika kwa chuma? Zikanakhala bwanji zimenezo?
Ndiloleni ndinene kuti kupanda nzeru kunena za kuipa kwa chuma ndi chifukwa chake chuma sichimakondweretsa anthu monga momwe amaganizira.
Pamene phindu la ndalama likuwonekera kwambiri koma zochepetsera zimakhala zobisika kwambiri, zotsika zomwe simumayembekezera zingakhale zovuta kwambiri kuposa zomwe mumayembekezera.
Ndikufuna ndalama zambiri, ndithudi. Pafupifupi aliyense amatero, ngakhale pazifukwa zosiyanasiyana.
Uwu si mndandanda wotsutsana ndi chuma - kungosonkhanitsa zobisika zobisika zomwe ndizosavuta kuzinyalanyaza, ndipo zofala kwambiri mutha kuzitcha okha malamulo owona olemera.
1. Zambiri zomwe zimakupangitsani kukhala osangalala m'moyo sizikhudzana ndi ndalama, ndipo kuzindikira kuti mukakhala ndi ndalama kumakhala kuvomereza kowawa.
Will Smith analemba m’mbiri yake kuti pamene anali wosauka ndi wopsinjika maganizo, amatha kulota za tsogolo pamene anali ndi ndalama zambiri, ndi kuti ndalama zomwe zimapangitsa kuti mavuto ake athe.
Pamene anali wolemera, chiyembekezo chimenecho chinatha.
Anali ndi ndalama zonse zimene akanafunikira ndipo anali akadali ndi nkhawa, moyo wake unali wodzaza ndi mavuto.
Rick Rubin nthawi ina adanenanso zofanana:
“Nkovuta kupsinjika maganizo kwambiri kufikira pamene maloto anu akwaniritsidwa. Maloto anu akakwaniritsidwa ndipo muzindikira kuti mumamvanso momwe munkachitira kale, ndiye kuti mumakhala wopanda chiyembekezo. ”
Chimwemwe n’chocholoŵana, koma mukachipeputsa m’zinthu monga banja lachikondi, thanzi, ubwenzi, kugona kwa maola asanu ndi atatu, ana olinganizika bwino, ndi kukhala mbali ya chinachake chachikulu kuposa inuyo, mumazindikira mmene ntchito yandalama ingakhalire yochepa. Sikuti ilibe udindo; zocheperako kuposa momwe mungaganizire.
Taganizirani izi: Kodi mungakonde kupeza ndalama zokwana madola 100,000 pachaka ndi mwamuna kapena mkazi wanu amene amakukondani, ana amene amakusirirani, mabwenzi abwino, thanzi labwino, ndi chikumbumtima choyera, kapena kupeza ndalama zokwana madola 1,000,000 koma mulibe chilichonse mwa zinthu zimenezo? Ndizodziwikiratu.
Inde mukhoza kukhala wosauka ndi womvetsa chisoni kapena wolemera ndi wosangalala. Koma anthu olemera okha ndi amene amadziwa kuti ubwenzi umenewo ungakhale wovuta. Kupeza ndalama mwina sikunakonze ukwati wanu, sikunapangitse anzanu kukukondani kwambiri, sikunakupangitseni kukhala wokhutira. Chotero chimene kale chinali chitonthozo cha chiyembekezo cha zimene ndalama zingakuchitireni chaloŵa m’malo ndi zenizeni zenizeni za zimene sizingathe.
Nthawi zina maloto ndi omwe amamveka bwino, ndipo mukangomenya malotowo amatha ndipo mumakhumudwa. Malcolm Forbes: Pofika nthawi yomwe tidapanga, takhala takhala nazo.
2. Zomwe mukuganiza kuti ndizosilira kupambana kwanu zitha kukhala nsanje.
Rapper Drake adanenapo kuti, "Anthu amakukondani kwambiri mukamayesetsa kuchita zinazake, osati mukakhala nazo."
Zimakhala zovuta kudziwa nthawi yomwe kusinthaku kudzachitika, ndipo nthawi zambiri munthu wolemera amaganiza kuti amasilira pomwe amasilira.
Wolemba Robert Greene nthawi ina analemba kuti:
“Musakhale opusa kwambiri mpaka kuganiza kuti mukuchititsa anthu kusirira mwa kusonyeza makhalidwe amene amakukwezani kuposa ena. Mwa kudziwitsa ena za malo awo otsika, mukungosonkhezera kusilira kosasangalatsa, kapena nsanje, imene idzawakwiyitsa kufikira akufooketsa inu m’njira imene simungadziŵe.”
Izi ndi zoona makamaka pamene chimene chinakupangitsani kukhala olemera chinali njira ina yotsatsira kupambana kwanu m’njira imene inapangitsa ena kufuna kukuthandizani ndi kukuthandizani. Pamene kusilira kukusanduka nsanje, chichirikizo chimenecho chimachepa, ndipo kulolera kwa anthu zolakwa zanu kumachepa. Ngati mtolankhani wopanda dzina adalemba buku lomwe limateteza Sam Bankman-Fried mosabisa, palibe amene angasamale - mwina adayamika wolembayo. Koma popeza Michael Lewis adachita, mafoloko adatuluka.
Thoreau adati, "Kaduka ndi msonkho womwe mitundu yonse iyenera kulipira."
3. Mukamalemera, m'pamenenso anthu ozungulira inu sangakuuzeni pamene mukulakwitsa, misala, nkhanza, kapena kunyalanyaza.
Matt Damon akuti, "Mumachedwetsa kucheza komanso m'malingaliro mukangodziwika. Zomwe mwakumana nazo padziko lapansi sizifanana. ”
Zomwezo zikhoza kukhala zoona - komanso zofala kwambiri - kwa iwo omwe amakhala olemera. Palibe amene amakuchitirani chimodzimodzi. Ndipo choyipa kwambiri ndichakuti inu simungadziwe nkomwe.
Wojambula Damien Hirst nthawi ina anati:
“Onse amakukondani. Banki imakukondani, ndipo akauntanti amakukondani, chifukwa akutenga ndalama zanu. Chaka chilichonse mumapezanso anthu ochulukirapo. Mnyamata wina akutenga 10 peresenti ndiye winanso kutenga 10 peresenti ndipo wina akutenga 10 peresenti ndipo zonse ndi phwando lalikulu. Anthu amene amakupatsirani ndalama zambiri ndi anzako abwino kwambiri, akumwetulira ndikukuuzani kuti ndinu odabwitsa choncho pitirizani kuchita zimenezi.”
Nthawi zina anthu amakutengerani mwayi mwadala, ndikumakupezerani phindu. Nthawi zina amakuonani mozama pamene sakuyenera kutero. Vuto lalikulu ndi thovu ndi mgwirizano wokhazikika pakati pa chuma ndi nzeru, kotero mulu wa malingaliro openga amatengedwa mozama chifukwa munthu wolemera kwakanthawi adanena.
Buffett adalongosola nthawi ina:
“Ndinali wokhoza kupereka malangizo a zachuma ndili ndi zaka makumi awiri ndi chimodzi ndipo anthu sankandimvera. Ndikadafika pamenepo ndikunena zinthu zowoneka bwino kwambiri ndipo palibe chidwi chochuluka chomwe chikanaperekedwa kwa ine. Ndipo tsopano akhoza kunena zinthu zopusa kwambiri padziko lapansi ndipo anthu ambiri angaganize kuti pali tanthauzo lobisika kwa izo kapena chinachake. "
4. Nthawi zina chimene chinakupangitsani kukhala opambana chinali kuda nkhawa ndi nkhawa, ndipo simungathe kuzisiya pamene muli wolemera.
Ndikuganiza kuti chimene anthu ambiri amafuna kwenikweni pa ndalama ndi kutha kusiya kuganizira za ndalama. Kuti akhale ndi ndalama zokwanira kuti asiye kuziganizira ndi kuganizira zinthu zina. Ubale wodabwitsawu ndi wodabwitsa: Amakhala ndi chidwi chofuna kupeza ndalama poganiza kuti tsiku lina adzazinyalanyaza.
Kutengeka maganizo kumeneko kumakulitsidwa ndi kupsinjika maganizo ndi nkhawa. Nthawi zambiri zimawoneka ngati kufunitsitsa pantchito, kuyika ndalama mwaukali, komanso zolimbikitsa za Type-A.
Ndiyeno akalemera, amazindikira kuti sangasiye kupsinjika maganizo. Izo zakhazikika mu chizindikiritso chawo.
Amagwira ntchito maola 80 pa sabata chifukwa amafuna kuti asadzagwire ntchito konse. Koma akakhala ndi ndalama zokwanira kuti apume pantchito, sangachepetseko ndalama chifukwa sadziwa kuchita china chilichonse m’moyo koma ntchito.
Ambiri okonza zachuma omwe ndalankhula nawo akunena kuti chimodzi mwazovuta zawo zazikulu ndikupeza makasitomala kuti awononge ndalama popuma pantchito. Ngakhale ndalama zoyenerera, zosasintha. Kuchepetsa komanso kusunga ndalama kumakhala gawo lalikulu la anthu ena kotero kuti sangathe kusintha magiya.
Ine ndikuganiza kwa anthu ena izo ziri bwino kwenikweni. Kuwona kuchuluka kwa ndalama kumawapatsa chisangalalo chochulukirapo kuposa momwe angagwiritsire ntchito.
Koma amene cholinga chawo chachikulu ndicho kusiya kuganiza za ndalama amakakamira. Kukana kuzindikira kuti mwakwaniritsa cholinga chanu kungakhale koipa kwambiri ngati kusakwaniritsa cholinga chanu choyamba.
5. Palibe njira yosavuta yoyendetsera chuma ndi ana.
Charlie Munger nthawi ina adafunsidwa ndi m'modzi mwa abwenzi ake olemera ngati kusiya ana ake mulu wa ndalama kungawononge kuyendetsa kwawo komanso kufunitsitsa kwawo.
"Zowonadi zidzatero," adatero Charlie. "Koma uyenera kutero."
“Chifukwa chiyani?” Mnzake uja anafunsa.
“Chifukwa ukapanda kuwapatsa ndalamazo adzakuda,” anatero Charlie.
Monga upangiri wambiri wa Munger, ndikuganiza kuti kulumikizanaku kudapangidwa kuti kukhale kokumbukika. Mwina ndi zoona 80%.
Koma mokulira, akulondola. Izi ndi njira ziwiri zomwe olemera angasankhe: Kuwononga chikhumbo chawo ndi cholowa, kapena kuyika mkangano wamtundu wina powakaniza moyo wosavuta.
Warren Buffett adanenapo kuti nthawi zambiri amamva anthu olemera akukamba za momwe gulu lazaumphawi liri loopsa, ndikupanga mbadwo wa anthu odalira masitampu a chakudya ndi phindu la ulova. Koma "anthu omwewa akusiyira ana awo chakudya cha moyo wonse komanso kupitilira apo," adatero. “M’malo mokhala ndi mkulu woyang’anira chithandizo, ali ndi trust fund officer. Ndipo m’malo mokhala ndi masitampu a chakudya, ali ndi masheya ndi ma bond omwe amapereka malipiro.”
Ndithudi pali kuchotserapo. Koma zambiri mwazosiyana - ana olemera omwe amalandila ndalama ndipo sizimakhudza zofuna zawo - ndichifukwa chakuti ana ndi apadera, osati chifukwa chakuti makolo adapanga chisankho chanzeru. Ngati Bill Gates wazaka 18 adzalandira $ 1 biliyoni, sizikanayimitsa chikhumbo chake. Zomwezo ndi Steve Jobs ndi Elon Musk. Mark Zuckerberg adapatsidwa ndalama zokwana $ 1 biliyoni pa Facebook ali ndi zaka 22 ndipo sanaphethire, sanaganizirepo.
Koma izo ndi mbalame zosowa. Anthu ambiri amafunika kuyendetsedwa ndi mantha osapanga.
Mnzanga Chris Davis anakulira m’banja lolemera - agogo ake ndi Investor lodziwika bwino Shelby Davis, yemwe adatembenuza $50,000 kukhala pafupifupi $1 biliyoni - ndipo adauzidwa ali mwana kuti sawona ngakhale khobiri lake chifukwa banja lake silikufuna kumulanda mwayi wopanga. pa yekha.
Chris anaseka kuti: “Akadandibera pang’ono.
Sizophweka.
6. Chuma chofulumira ndi chuma chosalimba.
Ndimakonda lingaliro lakuti liwiro limene mudapanga chuma chanu ndi theka la moyo wa momwe mungataye mwamsanga. Kuwirikiza kawiri ndalama zanu mu chaka? Musadabwe mukataya theka lake mwachangu. Blitzscaling? Blitz yalephera.
Zinthu ziwiri zimachitika ndi chuma chachangu, chosalimba.
Chimodzi ndi chakuti ndalama zomwe zimabwera mosavuta zimakonda kugwiritsidwa ntchito mosavuta. Ndalama zikabwera mwachangu, mtengo wamalingaliro wowuzira pa chinthu chopanda pake umakhala wotsika. Mumasamala kokha ndi chinachake pamene chiri chokondedwa kwa inu. Kugwiritsa ntchito ndalama zachangu zomwe simunawononge nthawi kapena mphamvu zambiri kuti mupeze ndalama kungamve ngati kuima kwa usiku umodzi: mopupuluma komanso wokonda kudandaula. Ndalama zakale zimafuna pogona msonkho, ndalama zatsopano zimafuna Lambo.
Chinanso n'chakuti chuma chikapangidwa mwachangu, m'pamenenso mwayi wopeza mwayi ubwereranso mwachangu.
Ikani zonsezi pamodzi, ndipo nthawi iliyonse mukawona kuchuluka kwachuma chachangu - crypto mu 2021 inali chitsanzo chabwino - mukudziwa kuti izi zikhala bwino, popeza mwayi otembenuka kukhala pachiwopsezo komanso kugwiritsa ntchito mowoneka bwino kutembenukira ku ngongole zosadziwika bwino.
7. Mbiri imakhala ndi mphamvu kumbali zonse ziwiri chifukwa anthu amafuna kuyanjana ndi opambana ndikupewa otayika.
Pamene mukuchita bwino kwambiri anthu amafuna kuti azigwirizana nanu - zomwe ziri zabwino.
Koma ndizofanana zamphamvu m'mbuyo.
Wina kumayambiriro kwa ntchito yawo akhoza kusokoneza ndikuchira mwamsanga, kupita ku kampani ina. Munthu kapena kampani yochita bwino imakhala ndi vuto lililonse lomwe lidawululidwa m'nkhani, kudzaza miseche pamanetiweki awo.
Zovuta za Lehman Brothers za 2008 zidapanga nkhani zapadziko lonse lapansi; banki yaying'ono yammudzi ikadakhala kuti ili kumapeto kwake popanda munthu kudziwa.
Kampani ngati Sears imakwaniranso ndowa iyi: Aliyense akudziwa momwe zimavutikira, kotero palibe aliyense - makasitomala, antchito, osunga ndalama, ogulitsa - amafuna kuyanjana nawo.
Zili ngati mwambi wakuti, “Nyani akakwera pamwamba pa mtengo, m’pamenenso umaonanso bulu wake.
8. Chiyembekezo chikhoza kukwera mofulumira kuposa ndalama zomwe amapeza, choncho ndalama zochulukirapo zimapangitsa kuti ziyembekezo ziwonongeke.
Chuma ndi chachibale. Mwanaalirenji ndi wachibale. Zonsezo ndi kuyerekezera zomwe muli nazo ndi zomwe anthu ena ali nazo.
Choyipa chomwe ndachiwonapo nthawi zambiri ndikuti ena mwa anthu olemera kwambiri ndi omwe amakonda kuyembekezera zomwe sizikuyenda bwino, chifukwa amazindikira momwe anthu ena olemera amakhala.
Mu 1907, wolemba William Dawson analemba za mmene kumverera kwa chuma kumayenderana ndi zomwe munazolowera:
“Munthu wamaphunziro, wozoloŵera kupeza zinthu zosavuta, angazunzike mopambanitsa ngati anam’pangitsa kukhala m’chipinda chimodzi cha m’nyumba ya anthu ambiri ndi yauve, ndipo anafunikira kupeza malipiro nthaŵi yomweyo mosasamala ndi movutikira. Adzazunzika ndi kukumbukira zinthu zosangalatsa kwambiri, zomwe timauzidwa kuti ndi 'korona wachisoni.'
Koma munthu amene sanadziŵe mkhalidwe wina wa moyo sadziwa nsautso yake. Alibe muyezo wofananiza. Malo omwe angayendetse munthu woyengedwa ku malingaliro odzipha, samabweretsa kusakhutira mwa iye. Chifukwa chake pali chimwemwe chochuluka pakati pa osauka kuposa momwe timaganizira.”
Kumveketsa mfundo yake: Dawson nayenso anali wopambana komanso adazolowera njira zosavuta malinga ndi nthawi yake. Koma Dawson, yemwe anamwalira mu 1928, anakhala zaka zambiri za moyo wake popanda magetsi kapena mpweya. Sanakhalepo ndi maantibayotiki, Advil, kapena katemera wa Polio. Sanaone zolosera zanyengo zolondola, kapena misewu yayikulu.
Munthu wamba wa ku America masiku ano amene anatumizidwa m'mbuyo kuti adzakumane ndi moyo wa Dawson angavutikenso ndi “mazunzo osaneneka” omwe analemba. Koma analibe nthawi zamakono zofananiza moyo wake ndi, choncho unkaona kuti ndi wapamwamba kwambiri kwa iye.
Chilichonse chabwino m'moyo ndichabwino kusiyana pakati pa zoyembekeza ndi zenizeni, ndipo pamene chimango chanu chachikulu cholozera ndi anthu ena olemera omwe akuyesera kuti asangalatse wina ndi mzake, kusiyana kumeneko kungatseke mwamsanga.
9. Palibe amene adzakukumbukireni zaka 100.
Choncho mukhoza kuganizira zimene zingakusangalatseni panopa, m’malo moganizira zimene ndalama zingakugulireni m’tsogolo.
Pali mwambi wa ku Scotland: “Khala wosangalala udakali ndi moyo, pakuti wamwalira kalekale.
Author: Morgan Housel
Source: Collabfund
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