Ndalama yotsalira - mmene chuma palokha

Malinga ndi maphunziro, khola ndalama malo ndi kupezeka kwa ndalama ndi imodzi mwa zinthu zofunika pa moyo wa anthu ambiri pa dziko lapansi, mosasamala kanthu za mtundu wawo ndi nzika. Ndipo funso "kupanga phindu mofulumira" ndi kale mwa mafunso zambiri mu injini kufufuza.

Tiyeni tione zimene zingakuthandizeni kwenikweni ndalama yanu, ndi kuika maziko a ufulu chuma.

Ndalama timapeza mitundu anayi akuluakulu a ntchito:

1) Ntchito ina (malipiro ntchito).

2) Self-ntchito (ogwira ntchito payekha).

3) Mangani malonda anu ndi nkhani ya ntchito.

4) kupatula.

Choncho, ndalama zochitika:

1) liniya (yogwira ndalama - ndalama movutikira mwa ntchito zawo).

2) yotsalira (kungokhala chete ndalama - kamodzi ntchito anachita mobwerezabwereza Amabweretsa ndalama).

Zofunika kwambiri ndi ndalama yotsalira, chifukwa iye sayeneranso ntchito nthawi ndi akubweretsa aziti iyeyu n'ngwabwino ndalama zawozawo. ndalama otere kwaiye:

- malo;

- Malonda;

- ndalama.

Yotsalira ndalama za malo

Wotchuka ndalama katswiri Robert Kiyosaki amaika patsogolo ndi ndalama mu kugula munda zogona ndipo sanali zogona weniweni. M'mayiko Western, kumene mitengo kubweza ali m'munsi, ndi kopindulitsa kugula kanema lalikulu ngongole, pangano iwo, ndipo pang'onopang'ono amalizitse ngongole. Patapita nthawi, ndalama amenewa adzabweretsa zopeza asanachotse. Komabe, mu dziko lathu pa chidwi chachikulu akuonekera bwino mfundo ya "nyumba imodzi - ine ndi awiri - banki". Mu zinthu zimenezi, koma kugula malo yopindulitsa yomweyo ndalama, palibe kukongoza banki. Ndipo ngati inu muli ndi kanema lalikulu ndi cholowa - ndiye taganizirani kuti ndi mwayi kwambiri. Kugulitsa akhale yekha ndi yomalizira. Ndipotu, malinga ndi ziwerengero ndiwofatsa, ngakhale msika mtengo wa nyumba si kukula, ndi ndalama za katundu wawo pafupifupi 8-10% pa annum, amene adzagwirizana osati zoipa konse.

Ubwino: chiopsezo kochepa wa depreciation cha chuma, ndalama khola.

Kuipa: kufunika ndalama lalikulu kamodzi kokha.

Yotsalira ndalama za ndalama

Ikani ndalama zochuluka tsopano akhoza kukhala zosiyanasiyana zoimbira ndalama: m'matangadza, zam'tsogolo, zitsulo zamtengo wapatali, mwagwirizana ndalama , etc. Information pa phunziro ili zalembedwa nyanja lonse. Apa kuyang'ana m'nyanja ndi osataya ndalama ndi kale kwambiri zovuta. Njira yodalirika - ndi ntchito ndi mlangizi wa zachuma amene adzatha kukhala dongosolo inu. Inu mukudziwa mmene ndalama mwezi uliwonse kuti aganyali, zimene kugula, kuchuluka kwa chiopsezo ndi kubwerera, inu mukalandira.

Inde, aliyense mavuto a zachuma ndi kuthekera kwa Investor kutaya ndalama zawo. Koma anthu n'zotheka ndithu zonse. Mwachitsanzo, ngati inu akamupatsa ndalama zanu pa kayendetsedwe ka ndalama iliyonse kapena malonda payekha, ndiye kulemba pangano limene kuopsa bwino sizinatchulidwe. Nthawi zambiri, zomvetsa adzakhala anthu okhawo 15-20% ya ndalama ya. Koma nthawi zonse zotheka kugwirizana pa zinthu payekha.

Pali kugwirizana zambiri: apamwamba chiopsezo - apamwamba zokolola. Koma Mulimonsemo sikutheka kuti aganyali mu misika chuma ndalama kuti sadzatayikiridwa popanda nsembe muyezo moyo wawo. Ndiko kuti, kugulitsa nyumba, kubwereka ndalama kapena ngongole kuti aganyali, musachite.

Tsopano ayamba wotchuka ndalama lamtseri: masewera ku misika katundu, zam'tsogolo, sakanachitira mwina, Ndalama Zakunja. Choncho kwenikweni kupanga ndalama, koma muyenera kukumbukira kuti - ntchitoyo, osati masewera mwayi. Apa muyenera wapadera chidziwitso, zinachitikira ndi luso - komanso ntchito ina iliyonse akatswiri. Choncho otetezeka kukhala dongosolo ndalama ofanana pamwezi mu zitsulo zamtengo wapatali ndi kugula magawo akuluakulu khola. Pomalizira lidzabweretsa yosalala ngakhale ndalama kuti ndi apamwamba kuposa chidwi pa madipoziti banki.

Ubwino: wamng'ono likulu koyamba.

Kuipa: mavuto mkulu wa imfa ya ndalama, kufunika zotheka kudziwa wapadera ndi luso.

Yotsalira ndalama za malonda

Izi zinthu zonse zokhudza kafukufuku kuyambirira msika: Infobusiness, kulenga Websites ndi mabulogi, chilolezocho, MLM, etc. Mfundo yaikulu inali ndi kuti muyenera kukonzekera ntchito yanu maganizo kapena mankhwala malonda chofunika omvera yeniyeni, ndi kumanga kasamalidwe maukonde kuti Pakufunika okhudzidwa kochepa pa gawo lanu. Apo ayi, chotero ntchito idzabweretsa okha ndalama liniya, ndiye inu ndithu amafuna nawo munthu.

Kumene, chilengedwe cha ntchito imeneyi Pakufunika gawo lalikulu la zilandiridwenso ndi njira yatsopano ku msika.

Ubwino: mpata kukhala angapo ntchito yatsopano.

Kuipa: kufunika processing yambiri zambiri, nthawi zonse kuwunika zinthu pa okwanira ndi kufunika kumsika.

Kujambula gwero chabe ndalama - izo ndithudi nthawi yambiri. Ndiyeno izo zidzakhala zofunikira nthawi kuti akathandize: kukonza chuma ndi kulimbana ndi mavuto lendi, kuwunika mitengo ya zitsulo zamtengo wapatali ndi m'matangadza, khalidwe malo pomwe ndi kusintha mankhwala zambiri, etc. Komabe - ndi ndondomeko chidwi wopereka kutsogolera kwambiri kukula munthu, ndipo anatsekula mwayi weniweni ufulu wawo ndalama.