Sɛnea wobenya ruble ɔpepem biako wɔ da, dapɛn, ɔsram, afe mu

Wɔyɛɛ asɛm no gyinaa nsɛm a ɛtoatoa so a efi  OpexBot Telegram channel , a ɔkyerɛwfo no anisoadehu ne AI adwene kaa ho. Asɛmmisa a akyɛ: “ɛbɛyɛ dɛn na woanya ruble ɔpepem biako?” (nsonsonoe: sɛnea wobenya dɔla ɔpepem biako ntɛmntɛm, wɔ dɔnhwerew biako, ɔsram biako anaa afe biako mu). Na sɛ nsemmisa binom hua te sɛ nkokoaa ne nea entumi nyɛ yiye mma okyinnsoromma Asase sofo 99% a, ɛnde afoforo wɔ ntease a mfaso wɔ so ne ano aduru a ntease wom. So yɛbɛkasa?

Ɛyɛ den sɛ wubenya obi a anyɛ yiye koraa no, wanso dae sɛ ɔbɛyɛ ɔpepemni pɛnkoro wɔ n’asetra mu. Sɛnea akontaabu a ɛyɛ katee sen biara kyerɛ no, ɔman mma bɛyɛ 95% da dae bere nyinaa sɛ wobenya dɔla ɔpepem biako, na 5% kakraa bi pɛ na wɔanya sika a ɛte saa dedaw anaasɛ wɔagyae wɔn adwene no esiane adwene nti.

Adesrɛ a agye din daa ne sɛnea wɔbɛkora ruble ɔpepem 1 (dɔla, abotiri, banana) so wɔ afe biako mu?

Ɔkwan a ɛyɛ mmerɛw bi wɔ hɔ – a wobɛkora 2740 rubles (anaasɛ biribiara a woasi gyinae sɛ wobɛkora so) da biara. Na bi wɔ hɔ ankasa:

1. Yɛde botae a emu da hɔ sii yɛn ani so. Ɔpepem biako a wobenya esiane ɔpepem biako nti no nyɛ botae no.
2. Yɛsi sika dodoɔ a yɛbɛtumi de ahyɛ mu anaa yɛasɛe sɛ aguadiɛ no fã ho gyinaeɛ daa. Mpɛn pii no eyi yɛ sika a wonya no mu 20-30%.
3. Nnwinnade a wɔde yɛ adwuma a wɔpaw. Stocks, bonds, daakye ho nsɛm. Yɛbɛboa.
4. Yɛdi nteɛso ne nea ɛkɔ so daa so.
5. Da biara yɛne yɛn sua ade.
6. Yenya kick fi nea ɛrekɔ so no mu. Mfaso a wonya !

Momma yɛntoa adwene no so: sɛnea wobenya ruble ɔpepem biako wɔ da, dapɛn, ɔsram, afe mu

Momma yɛnka sɛ da koro, dapɛn biako anaa ɔsram biako mu no eyi yɛ den yiye. Sɛ wunni mfiase a ɛyɛ senior manager’s salary, anaasɛ pumped-up investment account a. Na sɛ wubenya ɔpepem biako wɔ afe biako mu a, ebetumi aba koraa. Ɛho hia sɛ wode botae ahorow sisi w’ani so yiye na wunya nteɛso wɔ sɛnea wodu ho no mu. Wɔ wiase a sika ho hia mu no, nnipa pii da dae sɛ wɔbɛboaboa sika dɔla ɔpepem pii ano. Nanso ɔkwan bɛn so na wobetumi adu botae yi ho? Dɛn na ɛsɛ sɛ woyɛ na ama w’adaeso adan nokware?

Deɛ ani si so

Ade a edi kan a ɛsɛ sɛ yɛyɛ na ama yɛanya sikasɛm mu ahofadi ne sɛ yɛde botae a emu da hɔ besi yɛn ani so. Riddle wo ho: ɔkwan bɛn so ankasa na wopɛ sɛ wunya ɔpepem? Fa bere a wɔde bɛma, yɛ nhyehyɛe a wode bɛyɛ adwuma na bata ho.

Nwomasua

Ɔkwan biara a wɔfa so nya ahonyade no fi ase wɔ nhomasua mu. Sua sikasɛm nhyehyɛe no ase, te sika a wɔde hyɛ mu ase, sua nnipa a wɔanya sikasɛm mu nkonimdi dedaw no suahu ahorow. Nhomasua yɛ w’adwinnade a wode benya nea wopɛ.

Finplan yɛ adwuma

Ade a edi hɔ a ɛho hia ne sɛ wobɛyɛ sikasɛm ho nhyehyɛe. Hwehwɛ sika dodow a wuhia na ama woanya ɔpepem biako. Kyekyɛ saa sika yi mu yɛ no botae nketenkete na fa anammɔn pɔtee bi si hɔ a ɛbɛboa wo ma woadu ho. Siesie wo ho ma adeyɛ no begye bere, nanso kɔ so nya ɔpɛ.

Sikasɛm ho nhyehyɛe

Nneɛma atitiriw a ɛma obi nya ahonyade no mu biako ne sikasɛm ho nhyehyɛe a etu mpɔn. Yɛ sikasɛm nhyehyɛe a ɛkɔ akyiri a ɛkyerɛ wo sika a wunya ne wo ka nyinaa. Fa nneɛma a ɛho hia di kan na kwati sɛ wobɛsɛe sika a ɛho nhia. Ma ɛntra w’adwenem sɛ dɔla biara a wode sie no de ahonyade brɛ wo.

Sika a wɔde hyɛ mu

Nsuro sɛ wode wo sika bɛhyɛ sika a wode bɛto mu. Sua gua no ho ade, hwehwɛ hokwan ahorow a ɛfata na bu asiane a wowɔ no ho akontaa. Sika a wode bɛto mu yɛ adwinnade a tumi wom a wode bɛma w’ahonyade anyin na woadu wo sikasɛm botae ahorow ho.

Nimdeɛ

Nanso, nhomasua ne sikasɛm ho nhyehyɛe akyi no, ɛho hia nso sɛ wunya nkɔso wɔ w’ahokokwaw mu na ama woadi nkonim wɔ ɔpepem biako ho. Bɔ mmɔden sɛ wobɛyɛ papa wɔ w’adwuma mu, fa wo ho hyɛ ntetee ne nhyiam ahorow mu. Wo ho a wobɛma atu mpɔn no bɛboa wo ma woadi nkonim kɛse.

Dɛn bio na?

Nanso nea yɛaka ho asɛm wɔ atifi hɔ nyinaa akyi no, mma wo werɛ mmfi nsusuwii ahorow a ɛho hia sen biara no: adwumaden, boasetɔ ne ahotoso a obi wɔ wɔ ne ho. Akwan biara nni hɔ a ɛremma nea ebefi mu aba a nea ɔde di dwuma no mmɔ mmɔden biara. Siesie wo ho ma nsɛnnennen, mma w’abaw, sɛ mpo nea ebefi mu aba no amma ntɛm ara a. Gye wo ho ne sɛnea wubetumi anya sikasɛm mu ahofadi no di. Awiei koraa no, ɔkwan a wɔfa so nya ruble anaa dɔla ɔpepem biako no hwehwɛ sɛ wɔde wɔn adwene si biribi so, wɔbɔ mmɔden na wonya ɔpɛ bere nyinaa sɛ wobɛma wɔn ho atu mpɔn. Nhomasua, sikasɛm nhyehyɛe, sika a wɔde di dwuma yiye, sika a wode bɛto mu ne nkɔso a ɛkɔ so yɛ nneɛma atitiriw a ɛbɛma woadu wo botae ho. Gye wo ho di, yɛ ho biribi na hwɛ sɛ w’adaeso no abam.

To ɔpepem a wodi kan wɔ kyɛfa so: iPhone foforo anaa asetra foforo?

Enti, Apple ne adwumakuw a edi kan wɔ adesamma abakɔsɛm mu a ne sika kɛse boro dɔla ɔpepepem 3. Sɛ yɛbɛma yɛanya adwene wɔ dodow no kɛse ho a, EU sikasɛm nhyehyɛe a wɔde bɛyɛ afe 2023 no nyinaa yɛ €186.6 ɔpepepem. Sɛnea Ministry of Digital Development kyerɛ no, wɔakyerɛw mfiri ɔpepem 304 a wɔde di nkitaho wɔ telefon so wɔ Russia. Eyinom mu bɛyɛ ɔpepem 100 yɛ smartphone ahorow. 76.7% Android ne 22.7% iPhone. Ɛbɛdaa adi sɛ iPhone bɛyɛ ɔpepem 23 na ɛwɔ Russia. iPhone yɛ smartphones hene, adefo ne dibea a wɔpaw. iPhone ayɛ nkonimdie, tumi ne ahonyadeɛ ho sɛnkyerɛnne wɔ n’abakɔsɛm nyinaa mu. Na nnipa pii pɛ sɛ wonya saa dibea yi, sɛ mpo bo a wɔakyerɛw no bara ma wɔn a. Wɔboaboa ano asram pii, wɔde tɔ mframa bag, anaasɛ mpo wɔbɔ bosea wɔ telefon so sotɔɔ no mu pɛɛ. Russiafo bɛboro 60% tɔ iPhone wɔ bosea so! iPhone bɛyɛ ɔpepem 14 na wɔde abɔ bosea. Nanso dɛn na worenyɛ mma dibea, titiriw bere a ne fapem biako pɛ ne iPhone?! Russiafo baahe na wɔwɔ Apple kyɛfa? Wodwene sɛn? Minni akontaabu pɔtee, nanso migye di sɛ ɛrennu ɔpepem biako mpo. Nanso ɔkwa. Adwumakuw no nkɔso, nokwarem no, ɛnyɛ smartphone – wuntumi mfa nsi pon so wɔ adidibea, nanso nneɛma a ɛtete saa no ntumi ntoto iPhone ho mpo. ✔ Wɔ afe 2013 mu no, nnipa pii adaeso a ɛsen biara ne iPhone 5 a ne bo yɛ dɔla 650. Na Apple kyɛfa biako bo yɛ nea ennu dɔla 14 pɛ. Anaasɛ wubetumi atɔ Android sɛ wɔkyekyem pɛpɛɛpɛ a, $100 ne Apple kyɛfa 30-40. Na di nea ɔde sika ahyɛ mu no akwantu no mfiase ho afahyɛ. ✔ Mfeɛ nnan mu no ɛyɛ berɛ a ɛsɛ sɛ yɛyɛ upgrade, wɔ afe 2017 mu – $1000 foforɔ ma iPhone 7. Apple kyɛfa saa berɛ no boɔ yɛ $36 wɔ kyɛfa biara mu. Anka wubetumi afa kyɛfa 20 aka smartphone a ɛnyɛ den ho a worensɛee. ✔ 2021 reba, ɛsɛ sɛ wo si wo tebea no so dua bio – siesie $1000 foforo ma iPhone 12. Saa bere no, na Apple kyɛfa retɔn $140 dedaw. Nanso wubetumi afa asinasin 5 sen sɛ wode agode a ne bo yɛ den bedi dwuma. Mfeɛ du akyi wɔ “Apple odyssey” no akyi no, nnipa binom ka iPhone 12 a wɔde adi dwuma, a ɛrenyɛ obiara nwonwa, bere a afoforo wɔ sɛ wɔkyekyem pɛpɛɛpɛ a, Android foforo ne Apple kyɛfa dumien pii. Momma yɛnka sɛApple kyɛfa 60 mprempren bo yɛ 11,500 USD .

Ɛda adi sɛ biribiara rensakra na akenkanfo dodow no ara, mpo a wɔate atifi hɔ akontaabu no ase no, wɔbɛda so ara atɔ iPhones a wɔde bosea ma, akyerɛ wiase sɛ wɔagyina wɔn nan so pintinn.

Nanso mewɔ anidaso sɛ wɔn a wɔn ani gye sɛnea wobɛhwɛ ahu sɛ mfe pii mu no, sɛ́ anka wode telefon a wode adi dwuma bɛhyɛ wo kotoku mu no, sika a ɛyɛ fɛ bɛboaboa ano wɔ aguadidan mu akontaabu mu no bɛba. Sɛ wowɔ sika a ɛdɔɔso ma telefon a ne bo yɛ den ne sika a wode bɛto mu nyinaa a, ɛnde m’ani agye fi komam ma wo – eyi yɛ nkonimdi! Sɛ yɛbɛka a, seesei iPhone 14 Pro Max foforo no bo yɛ $1,200, kyɛfa yɛ $192 na ɛrekɔ soro. Ɔkwan bɛn so na wobetumi anya ruble ɔpepem 10 a akatua yɛ ruble 25,000? https://youtu.be/y0bFGEkTK5s na wobɛtumi ayɛ saa

Na nanso, metumi de afotu ama: Sɛnea wobenya ruble ɔpepem biako wɔ da koro mu

Mede mmuae no ma wɔ nhyiam no ase. Tekete a wɔde bɛkɔ nhyiam no ho ka bɛyɛ ahe? – a ɛyɛ rubles 1000. Mmeae ahe na ɛwɔ hɔ? — 1000. Mewɔ anidaso sɛ biribiara mu da hɔ ma obiara. Wɔn a wɔda so ara nte ase no, kyerɛw wɔn din. Mmeae da so ara wɔ hɔ a wobetumi anya.