Editor's Note: Ichi chikamu chikamu chechikamu chechikamu chepiri. Unogona kuona chikamu 1 apa .
Hungu tinobhadhara 40% kumabhengi uye 2.5% kumhuri dzedu kuitira ramangwana redu. Ndivanaani vari kuwana pfuma mumufananidzo webhizimisi iwoyo? Masangano maviri ari kuve akapfuma nemuenzaniso uyu uye ivo mabhangi (avo vanochengetedza isu kubhadhara kunze kwemari yedu yakawanda zvikuru kana kwete yose yehupenyu hwedu) uye Wall Street.
Iwe unoona chero mari yatinenge tasiya inoenda mukati mema 401k kana IRA uye inotengeswa mune zvekubatana mari izvo Wall Street inoda.
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Ita iwe ushamwari uye uwedzere mari yose yawakabhadhara kubhengi pane chero chikwereti pane hupenyu hwako. Zvadaro oenzanisa chiyero ichocho kuhuwandu hwawakachengetedza muIRA yako kana 401k. Nhamba ipi yakakura? Zvine zvishomanana zvishoma zvinoshanda kuti zvive mari yekubhadhara nhamba huru uye kuchengetedza kwedu nhamba duku.
Mune mamwe mazwi tiri kurega mari yedu yakakosha (cash flow chete kana iwe ukakanganwa) kugadziriswa yakarongedzwa nehupenyu hwedu nemotokari. Ndapota fungisisa kuti hazvifaniri kunge zvakadaro nenzira iyo nyika yezvemari inokuudza kuti hapana chinogona kuitwa. Chii chatingaita kuti titange kuisa pakarepo nhamba idzi dzakapoteredza kwatiri?
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Vhura Bhengi Yako Chako!
Kwete kwete bhangi nemabhangi emabhangi asi pane chirongwa chemari chaunotarisira. Pamwe dzimba iripo iripo pamwe chete kana kutanga kutora mari iri mumvura iyi mune mari yakawanda kana iwe uine mari shoma yokutanga. Zvino shandisa mari iyi kuti uwane mari yako. Panzvimbo pekuisa mari mune 401k yehomwe yako padzimba rako rekubhadhara mari uye wozoita zvikwereti kuti utaure uchatenga motokari inotevera.
Zvadaro iwe uzvipirire zvakare chikamu chechikwata chimwechete uye kubhadhara iwe waifanira kunge uchibhadhara kunze kune chikwereti. Iyi nzira ichakubvumira kuti uchengetedzere uye uwedzere mari yako. Ngatiti iwe uone kubhadhara kwako kwaizove $ 400.00 pamwedzi pamusoro pemakore mana kana iwe ungadai wakatora chikwereti kutenga iyo motokari kubva kubhengi rako. Ngatitoreiwo kuti wakakwereta $ 25,000 nhasi kuti utenge motokari yako. Ikozvino gadzira kunze kwemakore mashanu mune remangwana uye uchiti motokari yako iko zvino inokwana $ 5,000 zvinoreva kuti wakarasikirwa ne $ 20,000 yemari pamusoro pemakore mashanuchetechete emakore. Kana iwe uchibhadhara motokari iyi kuburikidza nebhengi rebasa ngatiti iwe wakabhadhara imwe $ 3,000 yekufarira kune imwecheteyo gore remakore mashanu iyo inoreva kuti kurasikirwa kwako kwese kwaiva $ 23,000 pawakabatanidzwa nekuderera.
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Icho chinhu chinonyengedzera pfuma inoparadza vanhu vashomanana kunyange vanofunga nezvazvo asi iwe hausi vanhu vazhinji. Nokuchengeta kuchengetedza kwemari yako kubuda nekubhadhara iwe pachako iwe wakadzokorora kuderedzwa kwawakatambura pamotokari ($ 20,000) uye wakatora madhora 3 000 mune zvemari mari yaungadai wakabhadhara kunze kwebhangi. Mari yako yepakati yaunayo yakatora $ 3,000 iyo ingadai yakarashika kune imwe tsika yechikwereti.
Kana iwe uchibhadhara chikwereti chako chemukati chemadhora makumi maviri nemakumi mashanu (25,000) wemari iwe wakadzokorora chiyero chose chekuderedzwa kwekuti motokari ichazopedzisira yawana.
Unoyeuka kuti nhamba huru yawakabhadhara mubhadharo? Iyi ndiyo nzira yokutanga kuita kuti mari yako inopera ishande iwe uye kwete yebhangi neWall Street. Tora munyaya inotevera apo tichakurukura kuti tanga kuvhara mari iyo ichakubatsira iwe kugadzira mutero pasina hupfumi hwehupfumi.
John Jamieson ndiye munyori we mabhuku maviri anonyanya kutengesa ane zvinyorwa zvitsva zvakanzi "Pfuma Isina Zvitoro kana Mutual Funds". Iye anotsvaga musununguti wenyika yose pamusoro pehupfumi nekusika uye ataura nezviuru zvevanhu mumaguta ose makuru muNorth America. John ndiye munyori wezvinyorwa zvakawanda pamusoro pezvemari, mabhizinesi, neimba. Iwe unogona kumuwana pa www.wealthwithoutstocks.com