Basa rekutengesa kopi. Yedu Algo inovhura otomatiki uye inovhara kutengeserana.
Iyo L2T Algo inopa masaini ane mari yakawanda ane njodzi shoma.
24/7 cryptocurrency kutengesa. Paunenge wakarara, isu tinotengesa.
10 maminetsi setup ine mabhenefiti akakura. Bhuku racho rinopiwa nekutenga.
79% Kubudirira mwero. Zvibereko zvedu zvinokufadza.
Kusvikira ku70 kutengesa pamwedzi. Kune anopfuura 5 mapeya aripo.
Kunyoreswa kwepamwedzi kunotanga pa £58.
MITEMO mishoma yekupfumisa
Kune vanhu gumi nevatatu vakarambana pakati pevarume gumi vakapfuma kwazvo pasi rose. Vanomwe vevakuru gumi vakarambana kamwechete.
Kuwirirana hakusi kukonzera, uye saizi yemuenzaniso idiki. Asi chiverengero chakashata zvikuru kupfuura avhareji yenyika, pamusoro penhau inokosha zvikuru kumufarwa, pakati peboka rine upenyu hunoyeverwa navazhinji kwazvo, inofadza, handizvo here?
Kune miriyoni nzira dzekupfuma, mazhinji ayo anosanganisira kushandisa chaiwo niches nemikana-ye-imwe mikana, kusataura chero rombo rakanaka. Mitemo yepasi rose yekuti ungapfuma sei yakaoma kuwana.
Asi kurasikirwa nemari, kana kurasikirwa nemufaro kana uine mari, kana kuve muranda wemari yako - idzo nyaya dzinenge dzine madhinomineta akafanana. Zvakawanda zvekuti unogona kuzvidaidza kuti mitemo.
Kuyera pfuma kuri nyore. Unongozviverenga chete. Kuyera zvimwe zvekudzikira kwehupfumi zvakanyanya kuoma uye zvakanyanya nuanced. Vanogona kuve vasina kujeka uye vakaoma kuyera zvekuti vanhu vazhinji havatombotendi kuti variko. A downside kupfuma? Izvozvo zvingadaro sei?
Rega nditaure kuti kupusa kwekutaura nezvekuderera kwehupfumi chimwe chikonzero nei hupfumi husingaite kuti vanhu vafare sezvavaifunga.
Kana mabhenefiti emari achinge ari pachena asi iwo akadzika pasi akajeka kwazvo, iwo pasi pasi iwe wausingafungire anogona kunge akanyanya kuoma kupfuura mabhenefiti awakatarisira.
Ndinoda mari yakawanda, hongu. Anenge munhu wose anoita, zvisinei nezvikonzero zvakasiyana.
Iri harisi rondedzero inorwisa hupfumi - ingori muunganidzwa wezvakavanzika pasi pasi izvo zviri nyore kufuratira, uye zvakajairika iwe unogona zvakare kuzvidaidza kuti ndiyo yega mitemo yechokwadi yekupfuma.
1. Zvizhinji zvinokufadza muhupenyu hazvinei nemari, uye kuziva kuti kana wava nemari kunogona kurwadza kubvuma.
Will Smith akanyora mubhuku rake rehupenyu kuti paakanga ari murombo uye akaora mwoyo, aigona kurota nezveramangwana kana aine mari yakawanda, uye kuti mari inoita kuti matambudziko ake aende.
Paakangopfuma, tariro iyoyo yakanga yapera.
Aiva nemari yose yaaigona kuda uye akanga achiri akaora mwoyo, upenyu hwake hwakanga huchakazadzwa nezvinetso.
Rick Rubin akambotaura chimwe chinhu chakafanana:
“Zvakaoma kuti unyatsoora mwoyo kutozosvikira zviroto zvako zvazadzika. Kana zviroto zvako zvangoitika uye woona kuti unonzwa sezvawaiita kare unobva wanzwa kusava netariro.”
Mufaro wakaoma, asi kana ukauita kuti uve nyore muzvinhu zvakadai semhuri ine rudo, utano, ushamwari, maawa masere okurara, vana vane mwero, uye kuva mumwe wechimwe chinhu chikuru kupfuura iwe, unoziva kuti basa remari rinogona kuva rakaganhurirwa sei. Hakusi kuti haina basa; zvidiki pane zvaungave wafunga.
Funga nezvazvo seizvi: Ungada here kuita $100,000 1,000,000 pagore nomumwe wawakaroorana naye anokuda, vana vanoyemura, shamwari dzakanaka, utano hwakanaka, uye hana yakachena, kana kuti kuita $XNUMX XNUMX XNUMX asi usina chimwe chezvinhu izvozvo? Zviri pachena.
Chokwadi unogona kuva murombo nenhamo kana kuti mupfumi uye unofara. Asi vapfumi chete ndivo vanoziva kuti hukama ihwohwo hunogona kukanganisa sei. Kuwana mari pamwe hakuna kugadzirisa imba yako, hakuna kuita kuti shamwari dzako dzikufadze, hakuna kuita kuti uwedzere kugutsikana. Saka chaimbova tariro inonyaradza pamusoro peizvo mari ingakuitira chinotsiviwa neicho chaicho chaicho chezvaisingakwanisi.
Dzimwe nguva hope ndidzo dzinonzwa zvakanaka, uye kana wangobata chiroto chinenge chaenda uye unotoora moyo. Malcolm Forbes: Nenguva yatakagadzira, tave nayo.
2. Zvaunofunga kuti kuyemura kubudirira kwako zvinogona kuva shanje.
Rapper Drake akamboti, "Vanhu vanokuda zvakanyanya kana uchishandira chimwe chinhu, kwete kana uine."
Zvinogona kuva zvakaoma kutaura kuti shanduko iyoyo inoitika rini, uye zvinowanzoitika kuti munhu akapfuma afunge kuti ari kuyemurwa kana achiitirwa godo.
Munyori Robert Greene akambonyora kuti:
“Usambofa wakapusa zvokufunga kuti uri kunyandura kuyemurwa nokushamisira nounhu hunokukudza kupfuura vamwe. Kupfurikidza nokuita kuti vamwe vazive nzvimbo yavo yakaderera, unenge uchingonyandura kuyemura kusingafadzi, kana kuti shanje, idzo dzichavapedza simba kutozosvikira dzakunetesa munzira dzausingagoni kufanoona.”
Izvi ndezvechokwadi kunyanya kana chakakupfumisa yaive imwe nzira yekushambadzira kubudirira kwako nenzira yaiita kuti vamwe vade kukubatsira nekukutsigira. Apo kuyemura kunoshanduka kuva shanje, tsigiro iyoyo inoderera, uye kushivirira kwavanhu zvikanganiso zvako kunoderera. Kana mutori wenhau asina zita akanyora bhuku achidzivirira Sam Bankman-Fried, hapana angaite hanya - vanogona kunge vakakorokotedza munyori wacho. Asi kubva Michael Lewis akaita, mapitchforks akabuda.
Thoreau akati, "Shanje mutero unobhadharwa nemusiyano wese."
3. Kupfuma kwawakaita, vanhu vari pedyo newe havazokwanisi kukuudza paunenge wakanganisa, kupenga, kutsvinya, kana kusaziva.
Matt Damon anoti, "Iwe unononoka mumagariro uye mupfungwa nguva yaunova nemukurumbira. Zvakaitika kwauri munyika hazvina kumbofanana."
Zvimwe chete zvinogona kunge zviri zvechokwadi - uye zvakajairika - kune avo vanove vakapfuma. Hapana anombokubata zvakafanana. Uye chakanyanya kuipa ndechekuti iwe ungasatombozviziva.
Artist Damien Hirst akamboti:
“Vose vanokuda. Bank rinokuda, uye maaccountant vanokuda, nekuti vari kutora mari yako. Gore negore unowedzera vanhu vakawanda zvakare. Mumwe mukomana ari kutora 10 per cent kozoti mumwe mukomana achitora 10 per cent mumwewo achitora 10 per cent uye mabiko makuru. Vanhu vanokupa overdraft ndivo shamwari dzako dzepamwoyo zvakare, vachikunyemwerera uye vachikuudza kuti unoshamisa saka ramba uchizviita.”
Dzimwe nguva vanhu vanotora mukana newe nemaune, vachitsvaga zvimwe zvinobatsira kubva mauri. Dzimwe nguva vanokutora zvakanyanya pavasingafaniri. Dambudziko hombe nemabubbles ishamwari yekufungidzira pakati pehupfumi nehuchenjeri, saka boka repfungwa dzinopenga dzinotorwa zvakakomba nekuti munhu akapfuma kwenguva pfupi akazvitaura.
Buffett akambotsanangura:
“Ndaikwanisa kupa mazano ezvemari pandaiva nemakore makumi maviri nerimwe chete uye vanhu vakanga vasinganditeerere. Ndingadai ndakasimuka ipapo ndikataura zvinhu zvinopenya uye kwete kunyanya kutariswa kwaizodai kubhadharwa kwandiri. Uye zvino tinogona kutaura zvinhu zvisina musoro pasi rose uye nhamba yakanaka yevanhu vanozofunga kuti kune imwe pfungwa huru yakavanzika kwairi kana chimwe chinhu. "
4. Dzimwe nguva chakaita kuti ubudirire kwaiva kunetseka uye kufunganya, uye haugoni kurega izvozvo kana wakapfuma.
Ndinofunga kuti chinonyanyodiwa nevanhu vakawanda pamari kukwanisa kurega kufunga mari. Kuve nemari yakakwana yekuti vanogona kurega kufunga nezvazvo uye kuisa pfungwa pane zvimwe zvinhu. Hukama uhwu husinganzwisisike: Vanobva vanyanya kufunga nezvekuita mari vaine tarisiro yekuti rimwe zuva vachazvirega zvachose.
Kuzvidya mwoyo ikoko kunokonzerwa nekuzvidya mwoyo uye kunetseka. Inowanzo ratidza sechishuvo chebasa, kudyara zvine hutsinye, uye Type-A kukurudzira.
Ipapo, kana vangopfuma, vanobva vaona kuti havagoni kurega kunetseka ikoko. Zvava kudzika midzi muhunhu hwavo.
Vanoshanda maawa 80 pavhiki nekuti vanoda kuti pakupedzisira vasamboshanda zvachose. Asi kana vangowana mari inokwana kuti vaende pamudyandigere, havangatapudzi nokuti havazivi zvokuita muupenyu kunze kwebasa.
Vazhinji vanoronga zvemari vandakataura navo vanoti rimwe dambudziko ravo guru nderekuti vatengi vashandise mari mukurega basa. Kunyangwe mari yakakodzera, inochengetedza mari. Frugity uye kuchengetedza zvinova chikamu chakakura chekuzivikanwa kwevamwe vanhu zvekuti havagone kuchinja magiya.
Ini ndinofunga kune vamwe vanhu izvo chaizvo zvakanaka. Kuona mari muunganidzwa kunovapa mufaro wakawandisa kupfuura wavaizowana kuushandisa.
Asi avo vane chinangwa chikuru chekurega kufunga nezvemari vakamira. Kuramba kuziva kuti wazadzisa chinangwa chako kunogona kuve kwakaipa sekusambosangana nechinangwa chekutanga.
5. Hapana nzira iri nyore yekugadzirisa pfuma nevana.
Charlie Munger akambobvunzwa neimwe yeshamwari dzake dzakapfuma kana kusiya vana vake boka remari raizokanganisa dhiraivha yavo uye vavariro.
"Chokwadi zvichadaro," Charlie akadaro. "Asi unotofanira kuzviita."
"Sei?" shamwari akabvunza.
“Nekuti ukasavapa mari vachakuvenga,” Charlie akadaro.
Kufanana nezano rakawanda reMunger, ndinofunga kuti kudyidzana uku kwakagadzirirwa kuve kusingakanganwiki. Zvichida ichokwadi 80%.
Asi kazhinji, ari kutaura chokwadi. Idzi ndidzo nzira mbiri dzevapfumi: Kuparadza vavariro yavo nenhaka, kana kuisa pangozi imwe nzira yegakava nekuvanyima hupenyu hwakareruka.
Warren Buffett akambotaura kuti anowanzonzwa vanhu vakapfuma vachitaura nezvekuti nzanga yemagariro ine ngozi sei, vachigadzira chizvarwa chemamoocher chinovimba nezvitambi zvechikafu uye mabhenefiti ekushaya mabasa. Asi "vanhu vamwe chete ava vari kusiira vana vavo chikafu chehupenyu hwese uye nekupfuura" akadaro. “Panzvimbo yekuti vave newelfare officer, vane trust fund officer. Uye panzvimbo pokuva nezvitambi zvezvokudya, vane masheya namabhondi anopa migove.”
Chokwadi pane zvisizvo. Asi mazhinji anosarudzika - vana vakapfuma vanogara nhaka mari uye isingakanganise vavariro yavo - imhaka yekuti vana vakakosha, kwete nekuti vabereki vakaita sarudzo yakangwara. Kana Bill Gates ane makore gumi nemasere akagara nhaka yemadhora bhiriyoni, zvingadai zvisina kumisa chishuvo chake. Zvimwe chete naSteve Jobs naElon Musk. Mark Zuckerberg akapihwa bhiriyoni imwe yemadhora emari yeFacebook paaiva nemakore makumi maviri nemaviri uye haana kubwaira, haana kumbofunga nezvazvo.
Asi ndidzo shiri dzisingawanikwe. Vanhu vazhinji vanoda kusundwa nekutya kusazviita.
Shamwari yangu Chris Davis akakurira mumhuri yakapfuma - Sekuru vake mushambadzi ane mukurumbira Shelby Davis, uyo akachinja $50,000 1 kuita bhiriyoni imwe chete yemadhora - uye akaudzwa achiri mudiki kuti haaizoona kana sendi razvo nekuti mhuri yake yaisada kumutorera mukana wekuigadzira. ari oga.
Chris akaseka kuti: “Vangadai vakandibira zvishoma.
Hazvisi nyore.
6. Pfuma inokurumidza pfuma isina kusimba.
Ini ndinoda pfungwa yekuti kumhanya kwawakaita hupfumi hwako ndiyo hafu yehupenyu hwekukurumidza kwaungarasikirwa nahwo. Kaviri mari yako mugore? Usashamisika kana iwe ukarasikirwa nehafu yayo nekukurumidza. Blitzscaling? Blitz yakundikana.
Zvinhu zviviri zvinoitika nehupfumi hunokurumidza, husina kusimba.
Imwe ndeyokuti mari inouya nyore nyore kushandisa. Kana mari ikauya nekukurumidza, mutengo wepfungwa wekuifuridza pane chimwe chinhu chisina maturo wakaderera. Iwe unongongwarira nechimwe chinhu kana chiri chaunoda kwauri. Kushandisa mari inokurumidza yausina kuisa nguva yakawandisa kana simba mukuwana kunogona kunzwa senge yakaenzana nehusiku humwe chete kumira: kumhanyisa uye kuda kuzvidemba. Mari yakare inoda pekugara yemutero, mari itsva inoda Lambo.
Imwe yacho ndeyokuti kukurumidza kugadzirwa kwepfuma, kunowedzera mikana yayakabva mumhanza inozodzoka nokukurumidza.
Isa izvo zviviri pamwe chete, uye pese paunoona kuwanda kwehupfumi hwekukurumidza - crypto muna 2021 yaive muenzaniso wakanaka - iwe unoziva ichapera zvisina kunaka, rombo rakanaka vanotendeuka kunjodzi uye nekushandisa zvinoonekera vanoshandura kuchikwereti chisingatarisike chemararamiro.
7. Mbiri dzine simba kumativi ose nokuti vanhu vanoda kushamwaridzana nevakunda uye kudzivisa vanokundwa.
Kunyanya kubudirira kwaunoita vanhu vakawanda vanoda kushamwaridzana newe - izvo zvakanaka.
Asi izvozvo zvine simba zvakaenzana mukudzokera shure.
Mumwe munhu anotanga basa rake anogona kukanganisa uye kupora nekukurumidza, achienda kune imwe kambani inotevera. Munhu akabudirira kana kambani ine chikanganiso chega chega chakabuda munhau, ichizadza nzira dzemakuhwa dzetiweki yavo.
Lehman Brothers '2008 matambudziko akaita peji rekutanga nhau dzenyika; bhanga diki renharaunda raigona kunge riri pamagumo aro asina kana mweya unozviziva.
Kambani yakaita seSears inokodzerawo bhaketi iri: Wese munhu anoziva kuti yakaomerwa sei, saka hapana munhu - vatengi, vashandi, vanoisa mari, vatengesi - vanoda kubatanidzwa nayo.
Zvakafanana netsumo inoti, “Painokwira tsoko padanda, ndipo paunonyanya kuona dhongi rayo.”
8. Zvinotarisirwa zvinogona kukwira nekukurumidza kupfuura mari inowanikwa, saka mari yakakwira inotumira zvinotarisirwa zvichikwira kunze kwekutonga.
Pfuma ihama. Luxury ihama. Zvose zvinongori kuenzanisa pakati pezvaunazvo neizvo vamwe vanhu vanazvo.
Chinhu chandakaona kakawanda ndechekuti vamwe vevanhu vakapfuma ndivo vanonyanya kutarisira kutarisira kusingadzoreki, nekuti vanova hyper vanoziva mararamiro evamwe vakapfuma.
Muna 1907, munyori William Dawson akanyora pamusoro pekuti manzwiro ehupfumi anoenderana sei nezvawakajaira:
“Murume akadzidza, akarovedzana nezvinhu zviri nyore, aizotambura kutambudzwa kusingatauriki kana aizogariswa mukamuri rimwe chete reimba ine vanhu vakawanda uye isina kunaka, uye aitofanira kurarama nomubhadharo pakarepo noutsinye uye noutsinye. Aizotambudzwa nendangariro iyoyo yezvinhu zvinofadza zvikuru, izvo zvatinoudzwa kuti i‘korona yokusuwa yokusuwa.’
Asi munhu asina kuziva mumwe mugariro woupenyu haazivi nhamo yawo. Haana mupimo wokuenzanisa. Mamiriro ezvinhu anogona kufambisa murume wekunatsa kupfungwa dzekuzviuraya, haaburitse zvakanyanya sekusagutsikana maari. Nokudaro kune mufaro wakawanda zvikuru pakati pevarombo kupfuura zvatinofungidzira.”
Kuti atsigire pfungwa yake: Dawson pachake aive akabudirira uye akajaira nzira dziri nyore nechiyero chezuva rake. Asi Dawson, uyo akafa muna 1928, akapedza nguva yakawanda yehupenyu hwake asina magetsi kana mhepo inotonhorera. Haana kumbova nemishonga inorwisa mabhakitiriya, Advil, kana chirwere chePolio. Haana kumboona kufanotaura kwemamiriro ekunze kwakarurama, kana kuti mugwagwa mukuru.
Avhareji yeAmerica nhasi akatumira kumashure munguva kuti azoona hupenyu hwaDawson aizotambura "kutambudzwa kusingatauriki" kwaakanyora nezvazvo. Asi akanga asina nguva dzazvino uno dzokuenzanisa upenyu hwake nahwo, naizvozvo hwainzwa hwomutambarakede kwaari.
Zvese zvakanaka muhupenyu ndezvechokwadi musiyano uripo pakati pezvinotarisirwa nezviri kuitika, uye kana chimiro chako chikuru chereferensi vamwe vanhu vakapfuma vachiedza kufadza mumwe nemumwe, gaka iro rinogona kuvhara nekukurumidza.
9. Hapana achakurangarira mumakore zana.
Saka iwe unogonawo kutarisa pane izvo zvichakufadza iwe ikozvino, pane izvo mari inogona kukutengera iwe mune ramangwana.
Kune tsumo yekuScottish inoti: Fara uchiri mupenyu, nekuti wava nenguva refu wafa.
Author: Morgan Housel
Source: Collabfund
- bhuroka
- My Deposit
- chibozwa
- Shanya Broker
- Mubayiro-kuhwina Cryptocurrency yekutengesa chikuva
- $ 100 shoma dhipoziti,
- FCA & Cysec yakagadziriswa
- 20% bhonasi yekugamuchira inosvika $ 10,000
- Minimum dhipoziti $ 100
- Tarisa account yako bhonasi isati yaiswa
- Zvinopfuura zana zvigadzirwa zvemari zvakasiyana
- Chengetedza kubva kudiki semadhora gumi
- Kubvisa-zuva rimwe chete kunogoneka
- Iyo Yakaderera Kutengesa Mari
- 50% Welcome bhonasi
- Mubayiro-kuhwina 24 Hour Rutsigiro
- Fund Moneta Markets account neinosvika madhora mazana mashanu
- Sarudza kushandisa fomu kutora yako 50% dhipoziti bhonasi
