Malamulo A Cuma Amene Muyenera Kuphunzira Ku Sukulu
Andrew Hallam anachita. Iye ndi mphunzitsi yemwe adakhala mamilioneya wodzipanga yekha ali ndi zaka 38. Ndipo akunena kuti ukhoza kukhala amodzi, ngakhale - ngakhale mutapanga malipiro ochepa.
Hallam ndi mlembi wa Millionaire Teacher: Malamulo asanu ndi anayi omwe muyenera kukhala nawo ku Sukulu. Ndi buku lodziwika bwino, popeza Hallam mwini ndi mphunzitsi wa mamiliyoni ndipo nayenso, amaphunzitsa anthu momwe angakhalire amamiliyoni.
Kodi malamulo ake 9 a chuma ndi ati?
Lamulo 1: Kutaya Monga Mukufuna Kulemera
Ambiri amathera ngati akufuna kuoneka olemera. Amayendetsa galimoto zamakono zomwe nthawi zambiri zimalandira ndalama kapena kubwerekedwa. Amanyamula zikwama zamtengo wapatali, kuvala zovala zopanga zovala komanso kutenga maulendo asanu.
Izi zingawapangitse kuti azidziona kuti ndi olemera, koma siziwathandiza kuti akhale olemera. Ndipotu, zidzakhala ndi zotsatira zosiyana.
Pamene Hallam anali ndi zaka za m'ma 20s, adatenga zida zake kuti adye mapuloteni omasuka. Anakhala ndi anthu ogona naye ndipo nthawi zambiri ankakhala m'nyumba kuti azipita kukacheza kuti apeze lendi yaulere. Iye sanathenso kutentha. "Ndikayenda mozungulira nyumba ndikuvala malaya ndi zikopa pamene chipale chofewa chimatuluka kunja," adatero.
Kumveka ngati mamiliyoni-mu-kupanga? Kumene!
Lamulo 2: Gwiritsani ntchito mgwirizano waukulu kwambiri womwe muli nawo.
Wogulitsa zamalonda Warren Buffet adagula katundu wake woyamba ali ndi zaka 11 ndi nthabwala kuti adayamba mochedwa.
Nthabwala iyo imatsindika kufunika kwa nthawi.
Nthawi ndi yofunikira pomanga nyumba yokwana madola milioni, chifukwa chaka chilichonse chimene chimachitika chimalola chidwi chanu kuwonjezeka, kapena kukula, paokha. Ndipo chiwongoladzanja chokwanira ndidongosolo lanu lalikulu kwambiri la ndalama.
Tangoganizani kuti mumagulitsa $ 50 peresenti ya chiwongoladzanja. Pambuyo pa chaka chimodzi mumapeza ndalama zokwana madola 5, mwa chiwerengero cha $ 55.
Kumayambiriro kwa chaka chanu chachiwiri, muli ndi madola 55 omwe mudali ndi ndalama zokwana $ 50 komanso ndalama zina za $ 5 zomwe munalandira. Mudzapeza 10 peresenti pa ndalama zokwana madola 55, zomwe ziri ngati $ 5.50
Onani kuti mu Chaka cha 1, mudalandira ndalama zokwana madola 5 okha. Koma mu Chaka 2, munapeza ndalama zokwana madola 5.50. "Chikondwerero chokwanira" ndikuti ndalama zochuluka zoposa 50, zomwe ndizo chidwi chomwe mwapeza pa chidwi chanu.
Mukamalola kuti chidwi chidziwonjezere paokha, phindu lanu lidzakhala lalikulu kwambiri. Ndi chifukwa chake kuwonjezera chidwi ndi wanu wamkulu ally ndalama.
Chigamulo 3: Zigawo zazing'ono zimanyamula ziphuphu zazikulu.
Ngati mumagwiritsa ntchito ndalama zogwirizanitsa ndalama, mutha kupereka ndalama zambiri. Ndalama zowonjezera zimapereka ndalama zowonjezera "ndalama zowonjezera" (mawu osangalatsa akuti "malipiro") kusiyana ndi ndalama zolembedwera zopanda malire. Ena amatenganso ndalama 12B1, ndalama zogulitsa, katundu wogulitsa komanso ndalama zina.
Malipiro awa angamveke ochepa, koma amanyamula phokoso lalikulu. Gwiritsani ntchito ndalama zochepa monga ndalama zosungiramo ndalama kapena ndalama zosagulitsa ndalama zogulitsa malonda.
Lamulo 4: Ligonjetsani mdani mu kalilole.
Mafunso ofulumira: kodi mungapereke ndalama zokwanira za jeans, kapena mutengepo 20 peresenti ya jeans yomweyi?
Limenelo ndi funso losavuta.
Poganiza kuti zonse zili zofanana (mwachitsanzo, jeans amagulitsidwa pamalo omwe amasungirako, amapereka ndondomeko yobwereza yomweyo, ndi zina zotero), mungakonde kugula pamtengo wotsika.
Kotero bwanji inu simukuchita chinthu chomwecho pankhani ya kugula zinthu?
Pano pali choonadi chokhwima: pamene malonda akugwa, anthu amakonda kugula pang'ono. Ndipotu, amakonda kugulitsa. Pamene msika ukukwera, anthu amakonda kugula zambiri. Iwo "akugula pamwamba ndi kugulitsa pansi" - zosiyana ndi zomwe ayenera kuchita.
Ichi ndi chibadwa cha umunthu. Iyenso ndi imodzi yomwe tiyenera kumenyana nayo.
Chigamulo 5: Pangani mapiri a ndalama ndi ntchito yokhudza ntchito.
Zipatso za Brussels ndi zabwino kwa inu. Koma ngati ndizo zokhazo zomwe mumadya, mukusowa mapuloteni, calcium ndi mavitamini ambiri ndi mchere omwe amapezeka mu zakudya zina.
Timafunika kudya zakudya zoyenera, ndipo timafunikanso kukhala ndi malo oyenera.
Amalimbikitsa kuti ndalama zanu zikhale zosiyana kwambiri ndi ndalama zapakhomo, ndalama zopezera ndalama zapadziko lonse, komanso ndalama zapakhomo zochepa. Ndizophweka kwambiri - mumasowa ndalama zitatu zokha.
Sungani msinkhu wanu muzinyolo, ndi zina zonse muzosungirako, akuti. Mwachitsanzo, mwana wazaka 30 wa ku America, angapereke 30 peresenti mu mauboma a US afupi ndi 70 peresenti m'masitolo, amagawidwa mofanana pakati pa masitolo a US ndi masitolo amitundu yonse. Amagwiritsanso ntchito bwino chaka chilichonse.
Chigamulo 6: Chitsanzo cha tikiti ya "round-the-world" ku indexing.
Magalimoto othawa pantchito monga 401 (k) ndondomeko ndi Roth IRA akukonzekera, kukonza msonkho komanso zopindulitsa zaumphawi ndizomwe zili zofunika kwambiri pazinthu zachuma. Ndipo zinthu izi ziri zodziwika kwa US Amitundu ena ali ndi malamulo osiyana, mapulani ndi magalimoto oyimilira.
Koma ngati mukukhala ku Canada, ku Singapore kapena ku Australia, mungakonde mutu uno m'buku la Hallam. Amasonyeza mmene anthu okhala padziko lonse lapansi angakhalire ndalama zowonjezera.
Lamulo lachisanu ndi chiwiri: Peek mkati mwa playbook ya pilferer.
Mu chaputala chino, Hallam akukambilana njira zamalonda zomwe amalangizi amagwiritsa ntchito pamene akuyesera kukulimbikitsani kuti mupitirize ndalama zanu ndikugwira ntchito m'malo mwa ndalama zopanda ndalama. Amalemba mndandanda wa zokambirana zomwe ogulitsa amachita - ndikugogoda aliyense. Amakuwonetsani momwe amalonda amalimbikitsira ndalama kuti mugulire ndalama zowonjezera.
Chigamulo 8: Pewani kunyenga.
Mu 1998, mnzanga anabwera ku Hallam ali ndi ndalama zowonongeka, kampani yomwe inalipira 54 peresenti pachaka. Hallam anali wosadandaula, koma adawona mnzakeyo atenga chidwi chake pazaka zisanu zotsatira. Pofika m'chaka cha 2003, Hallam adali wotsimikiza, choncho adayesa madola 7,000 ku kampaniyo ndipo anzake ena adalowa nawo. Kampaniyo inadzakhala Ponzi scheme, ndipo mabanki adataya zonse.
Musayesedwe ndi ndalama zophweka, Hallam akuchenjeza. Gwiritsani ku ndalama zachindunji.
Chigamulo 9: Njira yothetsera malonda 10 peresenti - ngati simungathe kudzithandiza nokha.
Kodi muyenera kuchita chiyani ngati mukufunadi kuika ndalama m'masitolo? Lembetsani kuwonetsera kwanu kosapitirira 10 peresenti ya ntchito yanu yonse ndikuwerengera masitolo.
Phunzirani zambiri za bukuli pa webusaiti ya Andrew, AndrewHallam.com
Zosakayika: Kopi yowonongeka inaperekedwa ndi wofalitsa.