Iingxaki Ezijongene Nezityebi

Inkonzo yokurhweba ikopi. I-Algo yethu ivula ngokuzenzekelayo kwaye ivale urhwebo.

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24/7 urhwebo cryptocurrency. Ngelixa ulalayo, siyarhweba.

Ukuseta imizuzu eli-10 kunye neenzuzo ezinkulu. Incwadi yesikhokelo ibonelelwe ngokuthenga.

79% izinga lempumelelo. Iziphumo zethu ziya kukuvuyisa.

Ukuya kuthi ga kwi-70 yorhwebo ngenyanga. Kukho ngaphezu kwe-5 izibini ezikhoyo.

Imirhumo yenyanga iqala kwi-£58.

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IMITHETHO EMBALWA YOKUFUMANA UBUTYEBI

Kukho imitshato eli-13 phakathi kwawona madoda ali-10 azizityebi ehlabathini. Abasixhenxe kwabalishumi abaphezulu baye baqhawula umtshato kanye kanye.

Unxulumano ayisosizathu, kwaye ubungakanani besampulu mncinci. Kodwa ubalo olubi kakhulu kunomlinganiselo welizwe, kumxholo osisiseko kulonwabo, phakathi kweqela elibomi babo obumonelwayo ngabaninzi, libangela umdla, akunjalo?

Kukho iindlela ezisisigidi zokufumana ubutyebi, uninzi lwazo ezibandakanya ukuxhaphaza ama-niches athile kunye namathuba anye, ungatsho lutho ngethamsanqa. Imithetho yendalo yonke malunga nendlela yokutyeba kunzima ukuyifumana.

Kodwa ukulahlekelwa yimali, okanye ukulahlekelwa ulonwabo xa unemali, okanye ukuba likhoboka lemali yakho - loo mabali athande ukuba neenomino eziqhelekileyo. Zixhaphake kakhulu unokuthi ziyimithetho.

Ukulinganisa ubutyebi kulula. Uyibale nje. Ukulinganisa ezinye zee-downsides zobutyebi kunzima kakhulu kwaye kunzima kakhulu. Zinokuba nzima kwaye kunzima ukuzilinganisa kangangokuba abantu abaninzi abayi kukholelwa nokuba zikhona. Icala elisezantsi kubutyebi? Inokwenzeka njani loo nto?

Mandicebise ukuba ububhanxa bokuthetha ngokuphantsi kobutyebi yinxalenye yokuba kutheni ubutyebi bungathandi ukwenza abantu bonwabe njengoko bebecinga.

Xa izibonelelo zemali zicacile kodwa ukuhla kuchubekile, amazantsi obungawalindelanga anokuba yingozi ngakumbi kunezibonelelo obuzilindele.

Ndifuna imali eninzi, kunjalo. Phantse wonke umntu wenza, nangona ngenxa yezizathu ezahlukeneyo.

Olu ayiloluhlu oluchasene nobutyebi - yingqokelela nje yee-downsides ezifihlakeleyo ekulula ukuzihoya, kwaye zixhaphake kakhulu unokuzibiza kuphela imithetho yokwenyani yokuzuza ubutyebi.

Iingxaki Ezijongene Nezityebi
1. Ininzi into ekwenza wonwabe ebomini ayinanto yakwenza nemali, kwaye ukuqonda ukuba xa sele unemali inokuba kukungenwa kubuhlungu.

UWill Smith wabhala kwi-biography yakhe ukuba xa wayehlupheka kwaye edandathekile, wayenokuphupha ngekamva xa enemali eninzi, kwaye imali eyenza iingxaki zakhe ziphelile.

Akuba sisityebi, elo themba laphela.

Wayenayo yonke imali awayenokuyidinga yaye wayesadandathekile, ubomi bakhe babuzaliswe ziingxaki.

URick Rubin wakha wathetha into efanayo:

“Kunzima ukudandatheka de amaphupha akho azaliseke. Nje ukuba amaphupha akho azaliseke kwaye uqonde ukuba uziva ngale ndlela ubuziva ngayo ngaphambili, uye ube nemvakalelo yokungabi nathemba.”

Ulonwabo luntsonkothile, kodwa ukuba ulwenza lula kwizinto ezifana nentsapho enothando, impilo, ubuhlobo, ukulala iiyure ezisibhozo, abantwana abalungeleleneyo, nokuba yinxalenye yento enkulu kunawe, uyayiqonda indlela elinganiselwe ngayo indima yemali. Asikuko ukuba ayinandima; incinci nje kunokuba ubucinga.

Yicinge ngolu hlobo le nto: Ngaba ubuya kukhetha ukwenza ii-$100,000 1,000,000 XNUMX ngonyaka neqabane elikuthandayo, abantwana abakuthandayo, abahlobo abalungileyo, impilo entle nesazela esicocekileyo, okanye uzenzele ii-RXNUMX XNUMX XNUMX uze ungabi nazo ezo zinto? Kucace gca.

Ewe unokuba lihlwempu kwaye ulusizi okanye usisityebi kwaye wonwabe. Kodwa zizityebi kuphela eziyaziyo indlela olunokonakala ngayo olo lwalamano. Ukuzuza imali mhlawumbi akuzange kuwulungise umtshato wakho, akuzange kubenze abahlobo bakho bakuthande ngakumbi, akuzange kukwenze waneliseke ngakumbi. Ngoko into eyayifudula ithuthuzela ngokuba nethemba lokuba imali inokukwenzela ntoni na kuthatyathelw’ indawo yinyani ecacileyo yento engenakukwazi ukuyenza.

Ngamanye amaxesha iphupha lilo elivakala limnandi, kwaye xa sele ulibethe iphupha liphelile kwaye udandatheke ngokwenene. UMalcolm Forbes: Ngelixa siyenzile, sele siyifumene.

2. Into ocinga ukuba kukuncoma impumelelo yakho inokuba ngumona.

Umculi we-rapper uDrake wathi, "Abantu bakuthanda ngakumbi xa usebenzela into ethile, kungekhona xa unayo."

Kunokuba nzima ukuxela xa olo tshintsho lwenzeka, kwaye kuqhelekile ukuba umntu osisityebi acinge ukuba uyathandwa xa eneneni enomona.

Umbhali uRobert Greene wakha wabhala:

“Ungaze ube sisidenge kangangokuba ucinge ukuba uvuselela ukunconywa ngokuqhayisa ngeempawu ezikuphakamisayo ngaphezu kwabanye. Ngokwenza abanye babone isigxina sabo esiphantsi, uvusa nje ukuncoma okungonwabiyo, okanye umona, oya kubaqumbisa de bakujongele phantsi ngeendlela ongenakuzibona kusengaphambili.”

Oku kuyinyaniso ngakumbi xa into eyakwenza watyeba yayiyindlela ethile yokubhengeza impumelelo yakho ngendlela eyenza abanye bafune ukukunceda nokuxhasa. Xa ukuncoma kuguqukela ekubeni ngumona, loo nkxaso iyancipha, yaye abantu bazinyamezela iimpazamo zakho. Ukuba intatheli engabhalwanga igama ibhale incwadi ekhusela uSam Bankman-Fried ngokungakhathali, akukho mntu unokukhathalela - kusenokwenzeka ukuba bayavuyisana nombhali. Kodwa ekubeni uMichael Lewis wenza, iifolokhwe zaphuma.

UThoreau uthe, "Umona yirhafu ekufuneka ihlawulwe zizo zonke iiyantlukwano."

3. Okukhona usiba sisityebi, kokukhona kunqabile ukuba abantu abakungqongileyo bakuxelele xa ungalunganga, uphambene, ukhohlakele, okanye ungahoyi.

UMat Damon uthi, "Uhlehla ngokwasentlalweni nasemphefumlweni xa usaziwa. Amava akho ehlabathi awafani.”

Okufanayo kunokuba yinyani - kwaye kuqheleke kakhulu - kwabo baba zizityebi. Akukho mntu ukhe akuphathe ngendlela efanayo. Kwaye eyona nto imbi kukuba usenokungayazi.

Igcisa uDamien Hirst wake wathi:

“Bayakuthanda bonke. Ibhanki iyakuthanda, kwaye ii-accountants ziyakuthanda, kuba zithatha imali yakho. Nyaka ngamnye ufumana abantu abaninzi ngakumbi. Omnye umfana uthatha i-10 ekhulwini kwaye omnye uthatha i-10 ekhulwini kwaye omnye uthatha i-10 ekhulwini kwaye yonke into enkulu. Abantu abakunika i-overdraft ngawona maqabane akho afanelekileyo, abakuncumeleyo kwaye bekuxelela ukuba uyamangalisa ngoko uqhubeka uyenza. "

Ngamanye amaxesha abantu bathatha ithuba ngawe ngabom, bekhupha izibonelelo ezithile kuwe. Ngamanye amaxesha bakuthathele phezulu xa bengafanelanga. Ingxaki enkulu ngamaqamza lunxulumano oluguquguqukayo phakathi kobutyebi nobulumko, ngoko ke iqela leembono eziphambeneyo zithathwa nzulu ngenxa yokuba umntu osisityebi okwethutyana uthe.

UBuffett wakha wachaza:

“Ndandikwinqanaba eliphezulu lokunika iingcebiso ngemali xa ndandineminyaka engamashumi amabini ananye ubudala kwaye abantu babengamameli. Ibingase ndiphakame apho ndithethe ezona zinto zikhazimlayo ndingahoywa ncam. Kwaye ngoku sinokuthetha ezona zinto zisisidenge emhlabeni kwaye inani elifanelekileyo labantu liya kucinga ukuba kukho intsingiselo efihlakeleyo kuyo okanye into ethile. ”
Iingxaki Ezijongene Nezityebi 4. Ngamanye amaxesha into ekwenze waphumelela kukuxhalaba nokuxhalaba, kwaye awukwazi ukuyiyeka loo nto xa usisityebi.

Ndicinga ukuba eyona nto ifunwa ngabantu abaninzi kwimali kukukwazi ukuyeka ukucinga ngemali. Ukuba nemali eyaneleyo ukuba bayeke ukucinga ngayo kwaye bagxile kwezinye izinto. Obu budlelwane bungaqhelekanga: Bathe phithi kukwenza imali ngethemba lokuba ngenye imini banokungayihoyi kwaphela.

Oko kuthe phithi kuphenjelelwa luxinzelelo kunye nexhala. Ihlala ibonakalisa amabhongo omsebenzi, utyalo-mali olundlongo-ndlongo, kunye nenkuthazo yohlobo lwe-A.

Emva koko, bakuba zizityebi, baqonde ukuba abanakuluyeka olo xinezeleko. Iye yamiliselwa kubuni babo.

Basebenza iiyure ezingama-80 ngeveki kuba bafuna ukuba ekugqibeleni bangaze basebenze kwaphela. Kodwa xa sele benemali eyaneleyo yokuthatha umhlala-phantsi, abanakuphungula kuba abayazi indlela yokwenza enye into ebomini ngaphandle komsebenzi.

Uninzi lwabacwangcisi bezemali endikhe ndathetha nabo bathi omnye wemingeni yabo enkulu kukufumana abathengi ukuba bachithe imali kumhlalaphantsi. Kwanemali efanelekileyo, ezinzileyo. Ukunganyaniseki kunye nokonga kuba yinxalenye enkulu yesazisi sabanye abantu kangangokuba abanakuze batshintshe izixhobo.

Ndicinga ukuba abanye abantu oko kulungile. Ukubukela imali kwikhompawundi kubanika ulonwabo ngakumbi kunokuba bebeya kuyisebenzisa.

Kodwa abo njongo zabo ziphambili kukuyeka ukucinga ngemali babambekile. Ukwala ukuqaphela ukuba ulufezekisile usukelo lwakho kunokuba kubi njengokuba ungaze ufikelele usukelo kwasekuqaleni.

5. Akukho ndlela ilula yokulawula ubutyebi kunye nabantwana.

UCharlie Munger wakha wabuzwa ngomnye wabahlobo bakhe abazizityebi ukuba ukushiya abantwana bakhe isixa semali kuya konakalisa idrive kunye namabhongo abo.

“Ngokuqinisekileyo iya kuba njalo,” watsho uCharlie. "Kodwa kusafuneka uyenzile."

"Ngoba?" wabuza umhlobo.

“Kuba ukuba awubaniki imali baya kuthiya,” watsho uCharlie.

Njengoninzi lweengcebiso zikaMunger, ndicinga ukuba olu nxibelelwano lwenzelwe ukuba lukhumbuleke. Inokuba yinyani ngama-80%.

Kodwa ngokubanzi, unyanisile. Ezo zimbini iinketho zesityebi: Ukonakalisa amabhongo abo ngelifa, okanye babeke esichengeni uhlobo oluthile lwengxabano ngokubavimba ubomi obulula.

UWarren Buffett wakha wathi uhlala esiva abantu abazizityebi bethetha ngendlela eyingozi ngayo uluntu lwentlalontle, ukudala isizukulwana sama-moochers esixhomekeke kwizitampu zokutya kunye neenzuzo zokungaphangeli. Kodwa “aba bantu banye bashiya abantwana babo isitampu sobomi babo bonke nangaphaya” utshilo. “Endaweni yokuba babe nesebe lentlalontle, bane-trust fund officer. Yaye endaweni yokuba babe nezitampu zokutya, banezitokhwe neebhondi ezihlawula izabelo.”

Ngokuqinisekileyo kukho iimeko ezikhethekileyo. Kodwa uninzi lwazo - abantwana abazizityebi abafumana imali njengelifa kwaye oko akuchaphazeli amabhongo abo - kungenxa yokuba abantwana bakhethekile, hayi kuba abazali benze isigqibo esikrelekrele. Ukuba uBill Gates oneminyaka eli-18 ubudala uzuze i-1 yeebhiliyoni zeedola, ngengawuyekanga umnqweno wakhe. Ngokufanayo noSteve Jobs kunye no-Elon Musk. UMark Zuckerberg wanikwa i-1 yeebhiliyoni zeedola kwi-Facebook xa wayeneminyaka engama-22 kwaye akazange aqhwanyaze, akazange ayicinge.

Kodwa ezo ziintaka ezinqabileyo. Uninzi lwabantu lufuna ukuqhutywa luloyiko lokungayenzi.

Umhlobo wam uChris Davis wakhulela kwikhaya elifumileyo Utatomkhulu wakhe ngumtyali-mali odumileyo uShelby Davis, owaguqula i-50,000 yeedola ukuya kwi-1 yeebhiliyoni zeedola - kwaye waxelelwa esemncinci ukuba akazukubona nesenti kuba usapho lwakhe lwalungafuni ukumhlutha ithuba lokuyenza. yedwa.

UChris waqhula wathi: “Babenokundiphanga nje kancinane.”

Akhe kube lula.

6. Ubutyebi obukhawulezayo bubutyebi obuthathaka.

Ndiyawuthanda umbono wokuba isantya owenze ngaso ubutyebi bakho sisiqingatha sobomi bokuba ungaphulukana nabo ngokukhawuleza kangakanani. Imali yakho kabini ngonyaka? Musa ukumangaliswa xa ulahlekelwa sisiqingatha sawo ngokukhawuleza. Blitzscaling? I-Blitz iyasilela.

Zimbini izinto ezenzeka ngokukhawuleza, ubutyebi obuthathaka.

Enye yeyokuba imali eza ngokulula idla ngokusetyenziswa ngokulula. Xa imali isiza ngokukhawuleza, iindleko zeemvakalelo zokuyivuthela kwinto engenamsebenzi ziphantsi. Ulumkele kuphela into xa ithandeka kuwe. Ukuchitha imali ekhawulezileyo ongakhange utyale ixesha elininzi okanye amandla ekufumaneni kunokuziva ngathi kukulingana nokuma kobusuku obunye: ukungxama kwaye utyekele ekuzisoleni. Imali endala ifuna indawo yokuhlawula irhafu, imali entsha ifuna iLambo.

Enye yeyokuba ubutyebi benziwa ngokukhawuleza, kokukhona kunyuka amathuba okuba bevela kwithamsanqa eliya kubuya ngokukhawuleza.

Beka ezo zimbini kunye, kwaye nanini na ubona ukwanda kobutyebi obukhawulezayo - i-crypto ngo-2021 yayingumzekelo olungileyo - uyazi ukuba izophela kakubi, njengoko ithamsanqa liguqulela emngciphekweni kunye nosetyenziso olubonakalayo luguqukela kwityala lendlela yokuphila engabonakaliyo.
Iingxaki Ezijongene Nezityebi 7. Udumo lunomfutho kumacala omabini ngenxa yokuba abantu bafuna ukunxulumana nabaphumeleleyo kwaye baphephe abangaphumelelanga.

Okukhona uphumelela ngakumbi kokukhona abantu befuna ukunxulumana nawe – nto leyo entle kakhulu.

Kodwa loo nto inamandla ngokulinganayo kwi-reverse.

Omnye umntu kwasekuqaleni komsebenzi wakhe unokukrazula kwaye alulame ngokukhawuleza, ehambela kwinkampani elandelayo. Umntu ophumeleleyo okanye inkampani inesiphako ngasinye ezindabeni, ihluza amajelo entlebendwane othungelwano lwabo.

Imizabalazo ka-2008 yeLehman Brothers yenza iphepha eliphambili leendaba zesizwe; ibhanki encinci yoluntu yayinokuba kwisiphelo sayo kunye nomphefumlo ongazi.

Inkampani efana neSears nayo iyalifanela eli bhakethi: Wonke umntu uyayazi indlela elicinezeleke ngayo, ngoko ke akukho mntu - abathengi, abasebenzi, abatyali-zimali, abathengisi - ofuna ukunxulumana nalo.

Kufana nentetho ethi, “Okukhona inkawu iqabela epalini, kokukhona ubona iesile layo.”

8. Ulindelo lunokunyuka ngokukhawuleza kunomvuzo, ngoko ke umvuzo ophezulu uthumela ulindelo oluphuma kulawulo.

Ubutyebi buyazalana. Ubunewunewu bunxulumene. Zombini ziluthelekiso nje phakathi koko unako kunye noko banako abanye abantu.

I-quirk endiyibonile amaxesha amaninzi yeyokuba abanye babona bantu bazizityebi ngabona bantu bathanda ulindelo oluphuma kulawulo, kuba baye bazi ukuba baphila njani abanye abantu abazizityebi.

Ngo-1907, umbhali uWilliam Dawson wabhala malunga nendlela imvakalelo yobutyebi ehambelana ngayo nento oyiqhelileyo:

“Indoda efundileyo, eqhelene nezinto ezilula, ibinokungcungcuthekiswa ngendlela engathethekiyo ukuba ibihlaliswa kwigumbi elinye lezindlu ezihlala abantu abaninzi nezingekho mgangathweni, kuze kufuneke iphile ngomvuzo ngoko nangoko ngokungakhathali nangobungozi. Ebeya kungcungcuthekiswa yiloo nkumbulo yezinto ezonwabileyo, esixelelwa ukuba ‘sisithsaba sentlungu.’

Kodwa umntu ongazange ayazi enye imeko yobomi akayiqondi inkxwaleko yabo. Akanamlinganiselo wokuthelekisa. Imeko-bume enokuthi iqhubele indoda esulungekileyo kwiingcinga zokuzibulala, ayivelisi kangako ukungoneliseki kuye. Ngenxa yoko kukho ulonwabo olungakumbi phakathi kwamahlwempu kunokuba sicinga.”

Ukuqhubela phambili ingongoma yakhe: UDawson ngokwakhe wayephumelele ngokufanelekileyo kwaye wayeqhele iindlela ezilula ngomgangatho womhla wakhe. Kodwa uDawson, owasweleka ngo-1928, wachitha ixesha elininzi lobomi bakhe engenambane okanye umoya opholileyo. Akazange abe ne-antibiotics, i-Advil, okanye isitofu sokugonya iPolio. Akazange abone uqikelelo lwemozulu oluchanileyo, okanye uhola wendlela.

Umndilili waseMelika namhlanje owathumela emva kwangethuba ukuze abe namava obomi bukaDawson angafumana “intuthumbo engathethekiyo” abhale ngayo. Kodwa wayengenalo ixesha langoku lokuthelekisa ubomi bakhe, ngoko wayebuva ubunewunewu kuye.

Yonke into elungileyo ebomini ilungile umsantsa phakathi kolindelo kunye nenyani, kwaye xa isakhelo sakho esiphambili sereferensi sibanye abantu abazizityebi abazama ukukholisa omnye komnye, loo msantsa unokuvala ngokukhawuleza.

9. Akukho mntu uya kukukhumbula kwiminyaka eyi-100.

Ke unokujolisa kwinto ezakwenza wonwabe ngoku, endaweni yokuba yeyiphi imali enokukuthenga kwixesha elizayo.

Kukho umzekeliso waseScotland othi: Yonwaba ngoxa udla ubomi, kuba kudala ufile.

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