Kuwerenga zachuma m’zilankhulo zofikirika: maphunziro abwino kwambiri ndi malangizo ochokera ku opexbot

Nkhaniyi idapangidwa potengera zolemba zambiri kuchokera ku  njira ya Telegraph ya OpexBot , yowonjezeredwa ndi masomphenya a wolemba komanso malingaliro a AI. Opexbot imapereka maphunziro azachuma pa intaneti, zida zabwino kwambiri ndi upangiri wa 2023, m’chinenero chosavuta komanso chomveka kwa ana, ophunzira, ndi opuma pantchito. Malangizo othandiza komanso njira yolunjika pazochitika zilizonse.

Ndine pano ndipo ndili pano .

[id id mawu = “attach_14991” align = “aligncenter” wide = “780”] nsanja yaulere yamalonda algorithmic[/ mawu]

Kodi kuphunzira zachuma ndi chiyani m’mawu ovuta komanso osavuta

Tiyeni tiyambe. Kudziwa zachuma kuli ngati nyalugwe wa Amur, ambiri adamvapo, ena awona pazithunzi, ndipo ocheperapo adakumanapo pamasom’pamaso. Ndiye kudziwa zachuma ndi chiyani? Nali tanthauzo loperekedwa ndi VIKI: [mutu wowononga = “Financial literacy” ]  Kudziwa  zachuma) – kuphatikiza kuzindikira, chidziwitso, luso, malingaliro ndi machitidwe okhudzana ndi zachuma ndi zofunikira kuti apange zisankho zabwino zachuma, komanso kukwaniritsa chuma chaumwini; gulu la luso laumunthu lomwe limapanga maziko opangira zisankho zabwino zachuma. Amakhulupirira kuti kupititsa patsogolo maphunziro a zachuma kumapangitsa kukhala kotheka kusunga ndi kupititsa patsogolo chuma chachuma. [/spoiler] Abstruse pang’ono, monga, komabe, pafupifupi nthawi zonse ndi Vika. Kunena mwachidule, ndi luso komanso chidziwitso chomwe chimakuthandizani kuti musawononge ndalama zambiri ndikuwonjezera ndalama zanu. Kudziwa zandalama kumaphatikizapo kusunga ndi kukonza bajeti, kudziwa ngongole ndi katundu wa inshuwaransi, kutha kugwiritsa ntchito bwino ndalama, kulipira mabilu moyenera, kuyika ndalama ndikusunga.

Maphunziro azachuma pakupanga, kuyika ndalama ndi kukula.

Kodi ndi zinthu ziti zomwe munthu amathetsa akamaphunzira zachuma?

Lingaliro lotopetsa pang’ono koma lothandiza lokhudza maphunziro azachuma. Ngati ndinu waulesi kwambiri kuti muwerenge, tiyeni tipite ku upangiri wothandiza, maphunziro ndi maphunziro azachuma kuchokera ku opexbot. Kudziwa zandalama ndi imodzi mwamaluso ofunikira m’dziko lamasiku ano kuti muzitha kuyendetsa bwino ndalama zanu ndikuwonetsetsa kuti chuma chanu chikhazikika. Mawuwa akutanthauza kuthekera kwa munthu kumvetsetsa ndi kugwiritsa ntchito chidziwitso chokhudza zida zachuma, kuyika ndalama, kukonza bajeti, kuwongolera ngongole, ndikukonzekera zolinga zachuma. Chimodzi mwazinthu zazikulu zamaphunziro azachuma ndikutha kuyendetsa bwino ndalama zomwe mumapeza komanso zomwe mumawononga.. Izi zikuphatikizapo kupanga ndi kutsatira bajeti, kupenda momwe chuma chikuyendera, kukonzekera ndi kuyang’anira ndalama zomwe zimagwiritsidwa ntchito. Anthu odziwa bwino zachuma amamvetsetsa bwino kuti ndi ndalama ziti zomwe zili zofunika komanso zomwe zingachedwetsedwe mtsogolo. Gawo lofunika kwambiri pazachuma ndikuthanso kuyika ndalama zanu moyenera . Anthu odziwa bwino zachuma amayesetsa kumvetsetsa zida zosiyanasiyana zandalama, zoopsa ndi zobweza zandalama kuti awonjezere phindu lawo ndikuchepetsa kutayika komwe kungachitike. Amapanga zisankho zodziwikiratu zachuma potengera chidziwitso ndi kusanthula. Kupatula apo, kuwerengera ndalama kumaphatikizapo luso lokonzekera nthawi yayitali ndikukwaniritsa zolinga zachuma. Munthu amene ali ndi luso limeneli amaona zimene amaika patsogolo n’kupanga njira zofunika kuzikwaniritsa. Amamvetsetsanso kufunika kwa thumba la ndalama zadzidzidzi ndipo amadziwa momwe angasamalire ngongole zake kuti apewe mavuto azachuma m’tsogolomu. Kudziwa zachuma ndi gawo lofunikira pazachuma chabwino komanso chokhazikika. Luso limeneli limapatsa mphamvu anthu kupanga zisankho zandalama zodziwikiratu ndikuwongolera chuma chawo moyenera. Anthu odziwa bwino zachuma ali ndi luso lomwe lingawathandize kupeza ufulu wodzilamulira, kupeza mwayi wopuma pantchito, komanso kupereka ndalama zothandizira mabanja awo.

Chifukwa chiyani ndinu osauka – psychology, zothandizira ndi zizolowezi

Momwe mungakhalire odziwa bwino zachuma: maphunziro angapo kuchokera ku opexbot

Maphunziro azachuma akupezeka kwa ana, ana asukulu, ophunzira ndi opuma pantchito. Tiyeni tiyambe pulogalamu yophunzitsa ndi kalata yochokera kwa wowerenga wamba.

Kuyambira paubwana timaphunzitsidwa kukhala pa bulu

Masana abwino, ma admins. Ndiyambe ndi mfundo yakuti ambiri aife sitinaphunzitsidwe luso la zachuma. Anaphunzitsa zinthu zambiri kusukulu, koma panalibe chilichonse chokhudza kukhala wopemphapempha. Zinali za momwe aliyense ayenera kukhalira m’modzi: kuphunzira bwino, kupita ku kalabu ya macrame ndikupita kumasiku oyeretsa. Kodi munayamba mwadzifunsapo chifukwa chake pali anthu ambiri opambana mtsogolo pakati pa ophunzira a C? Inde, kuyambira paubwana amalavulira pamakonzedwe ndi misonkhano. Iwo amaika moyo pachiswe n’kupita njira yawoyawo. Makolo amawalamula kuti alowe kuyunivesite iti komanso ntchito yoti achite bwino. Amayi ndi dokotala. Izi zikutanthauza kuti inunso muyenera kupita kuchipatala. Ndipo ziribe kanthu kuti zokonda zanu zagona pa ndege ina. Anandinyengerera, kufooketsa chikhumbo changa cha kudzizindikira, ndipo anaba zaka 5 za moyo wanga. Timaphunzitsidwa kukhala osaona pang’ono.

Dongosolo lophunzitsira palokha ndi losasinthika

Mosiyana, mwachitsanzo, pasukulu ya ku Israyeli, kumene wophunzira aliyense amasankha maphunziro amene angam’sangalatse kudziŵa. Ndipo timavutika chifukwa cha kutumphuka kopanda phindu kwa zaka 5. Mwachitsanzo, sindikudziwa komwe diploma yanga ili. Chotsatira – ntchito yosakondedwa kuchokera pamalipiro mpaka malipiro. Palibe ndalama zomwe amapeza. Bwalo loyipa lomwe ndi lovuta kuthyola: 5/8 ntchito, ngongole, kusowa mphamvu ndi ndalama, ngongole, ntchito yolipira ngongole. Boma likukakamiza ngongole kwa ife mwanjira iliyonse. Ngongole yolemetsa ya anthu aku Russia ndi pafupifupi 50%. Munthu wachiwiri aliyense amagwidwa.

Timapulumutsanso kudzera mu bulu wathu

Nyumbayi ndi yotsika mtengo – pali zomanga kunja kwa zenera. Kusokonezeka kwamanjenje, kusagona usiku, kusowa mphamvu zochitira chilichonse m’mawa. Chakudya chotsika mtengo – poizoni ndi mankhwala. Thanzi lotayika, nthawi, ndalama.

Kusunga sikutanthauza kuchotsa zinthu zoyipa kwambiri pamoyo. Ndizokhudza kudzikana nokha zoipa kwambiri lero, kuti mu zaka 5 musadzikanize nokha zabwino kwambiri.

Sinthani ntchito. Phunzirani zomwe mumalakalaka muli mwana. Siyani ntchito yanu yachiwiri, ndipo pali 30% ya iwo mu Russian Federation, kuti muthe kumasula nthawi kuti musinthe. Ikani ma ruble 2k m’magawo. Mwezi wamawa 4k. Izi ndi ndalama zokweza. Ndipo m’kupita kwa nthawi, khushoni lachuma lidzapangidwa. Ndipo ndi chiyani chomwe chingapereke chidaliro chochulukirapo ngati sichoncho akaunti yokhazikika pakhadi kapena akaunti yamalonda? Musakhale ndi tchuthi chonyozeka kumapeto kwa sabata. Gwiritsani ntchito bwino nthawi yanu yaulere! Osadandaula ndi mwayi umene umabwera. Aliyense ali nazo.

Chinthu choyipa kwambiri chomwe chingachitike ndikukhala mu bulu kosatha ndikutumiza ana anu njira yomweyo m’moyo. Kugwiritsa ntchito makonda ndi malamulo omwewo.

Ndidzawonjezera ndekha: Tinaphunzitsidwadi kukhala mu bulu kuyambira ubwana, koma sikoyenera kuthera moyo wathu wonse mmenemo. Dzifunseni nokha ngati kwa mfumu, ndi kwa iwo akuzungulirani ngati kwa akapolo. Ndine wokondwa kuti ndikubweretsa chidziwitso kwa anthu ambiri. Chidziwitso cha zachuma cha anthu chikuchepa chaka ndi chaka, tiyeni tikonze izi ndi lupanga la chidziwitso opexbota. Zotsatira za kafukufukuyu ndi ngati mumadziona kuti ndinu munthu wodziwa bwino zazachuma monga gawo lazonse:

Mafunso azachuma okhudza momwe amaonera ndalama

Opemphapempha amapemphera kuti umphaŵi wawo ukhale wotsimikizika

Kodi munayamba mwadzifunsapo chifukwa chake olemera amalemerabe, pamene osauka sangathawe umphaŵi? Chimodzi mwazifukwa chinafotokozedwa ndi Richard Thaler ndipo adachitcha “chiyambi chachuma.” Ngati mumakonda nkhani zazitali kusukulu, onani buku lakuti “Fundamental Ideas of the Financial World.” Chisinthiko”: Peter Bernstein. Kwa iwo omwe amakonda kubwereza mwachidule, ndifotokoza zomwe zili. Richard Thaler adayesa kuyesa kusowa kwa malingaliro osasintha pazachuma. Anapempha gulu la ophunzira kuti liganizire kuti aliyense wa iwo wapambana $30. Ndiye pali njira ziwiri: kuponyera ndalama ndipo, kutengera ngati ikubwera mitu kapena michira, pezani zambiri kapena perekani 9.00. Kapena osatembenuza ndalama konse. 70% ya ophunzira adaganiza zoponya ndalama.
Tsiku lotsatira, Thaler anauza ophunzirawo za mkhalidwe umenewu. Likulu lawo loyamba ndi ziro, ndipo sankhani imodzi mwa njira zotsatirazi: kuponyera ndalama ndikupeza $ 39 ngati igwera pamutu, kapena $ 21 ngati igwera pa michira. Kapena musataye mtima ndipo mwatsimikizika kuti mupeza $30. Ndi 43% yokha ya ophunzira omwe adavomera kuponya pachiwopsezo, ena onse adakonda kupambana kotsimikizika.
Mfundo ndi yakuti zotsatira zake ndi ZOMWEZI .Kaya mumayamba ndi $30 kapena kuchokera paziro, zopambana zomwe zingatheke nthawi iliyonse zimasiyana ndi kuchuluka kotsimikizika. Ophunzira, komabe, amawonetsa zokonda zosiyanasiyana, motero akuwonetsa kusasinthasintha. Thaler adatcha chisokonezo ichi “choyamba chachuma.” Ngati muli ndi ndalama m’thumba lanu, mumakonda kuchita zoopsa. Ngati ilibe kanthu, ndiye kuti mungakonde kutenga 30 USD ndi chitsimikizo, m’malo mosewera pachiwopsezo chotenga 21 USD. Ndipo ichi sichinthu chongoyerekeza. M’dziko lenileni, zotsatirazi ndizofunika kwambiri. Ndipo osati mu gawo lazachuma lokha.

Kwa osauka, umphawi wokhazikika wanthawi yayitali uli pafupi kwambiri kuposa “chiwopsezo” chokhala olemera, komanso mwayi wotaya khobiri. Pali chikhumbo champhamvu chosunga m’malo mochulukitsa, ngakhale pali zoopsa zina. Izi ndi zotsutsana ndi malingaliro, koma mantha samagona.

Koma sikuti zonse zilibe chiyembekezo. Kudziwa za vutoli ndi theka la yankho lake. Ngati muyang’ana mozama, ili si vuto, koma ndi gawo la kulingalira. Ndi kuchokera kuzinthu zopangira izi zomwe tikuyenera kutuluka.

Zolinga zisanu zandalama zomwe muyenera kuzikhazikitsa ndikukwaniritsa musanakwanitse zaka 40

Wonjezerani kukhazikika kwachuma

Kuti mupewe kutayika m’ngongole komanso kuti ndalama zanu zizigwira ntchito kwa inu osati mwanjira ina, muyenera kupatula nthawi yophunzira za zachuma.

Pangani thumba losungitsa ndalama / khushoni lazachuma

Akatswiri ambiri azachuma amati thumba lanu ladzidzidzi liyenera kulipira ndalama zosachepera miyezi itatu. Akamba akuda nthawi zina amawulukira awiriawiri.

Pangani zovuta nokha ndikupeza zotsatira

Khalani ndi 1 miliyoni m’thumba. Werengani buku limodzi lazachuma pa sabata kwa chaka. Siyani kusuta … Inde, inde, sizokhudza thanzi lokha, komanso zandalama.

Pezani malo anu enieni, galimoto, pitani kuzilumba zakutali, wulukirani ku konsati ya Sting, gulani pug

Popeza mwapeza bwino pazachuma, zindikirani maloto anu. Gwiritsani ntchito ndalama zina zomwe mumapeza pantchito kapena malonda. Iyi ndi njira yokhayo yomwe ubongo umamvetsetsa kuti zonse sizopanda pake. Kubwezeretsanso chilichonse muzinthu zatsopano, magawo, bizinesi ndikwabwino. Koma muyeneranso kudzisangalatsa.

Lembani mndandanda wa zinthu zomwe zimakupangitsani kukhala osangalala

Ziwerengero zimasonyeza kuti si anthu onse ochita mabiliyoni ambiri omwe ali osangalala. Ena anatha momvetsa chisoni kwambiri. Mutha kukhala ndi ndalama zonse padziko lapansi komanso ntchito yabwino, koma osasangalala. Ndalama ndi chida chabe. Ndipo aliyense ali ndi mndandanda wake wa chimwemwe. Lembani ndi kufulumira kwa izo.

Amalipira pang’ono – mkazi akudandaula, apongozi amasindikiza, kuyimba banki, mwana akulira

Ambiri mwa anthu aku Russia (77% mwa omwe adafunsidwa) sakukhutira ndi ntchito yomwe ali nayo panopa chifukwa cha malipiro ochepa. Osati kasamalidwe, osati chiyembekezo cha kukula, koma ndalama. Tiyeni tiganizire ntchito ngati mendulo, pomwe mbali iliyonse pali njira ziwiri zothetsera nkhani ya ndalama zochepa.

Mbali yoyamba: onjezerani ndalama zogwirira ntchito

Nazi njira izi: – Kuonjezera malipiro anu pokwezedwa pantchito, kudzera muzowonjezera ntchito, kapena zotsatira. Njira iliyonse imafunikira ntchito yokonzekera. Simumangokwezedwa paudindo – muyenera kukulitsa luso, kapena kukhala wachibale. Muyenera kugwira ntchito zina ngati sizikumaliza. Koma si mabwana onse omwe ali ndi chidwi ndi zotsatira zake. – Kuyang’ana ntchito yofanana, koma ndi ndalama zambiri. HeadHunter m’manja / makiyi.

Mbali yachiwiri: perekani ndalama zomwe mumapeza

Ndi malipiro apano komanso opanda ndalama zonse. Ndipo n’zotheka. Muyenera kuchita pang’onopang’ono kuti musapse ndi kupsa mtima. Kuthamanga ndikwabwino kugwira utitiri. Musayike ndalama zoposa 15% za ndalama zomwe mumapeza pogulitsa ndi kugulitsa. Sonkhanitsani chiwopsezo chochepa cha stock/bond portfolio. Ndikoyenera kugulitsa ndalama zochepa. Dave Ramsey: “Opambana pazachuma samathamanga, amathamanga marathoni. Sachita changu. Amachita pang’onopang’ono.”

Lamulo la 70/30 muzachuma

Olemera amawononga ndalama zochepa pa zinthu zamtengo wapatali (Bill Gates ndi chitsanzo cha izi). Anthu olemera amalemera ndipo osauka amasauka kwambiri. Munthu wolemera amene wapambana lotale amaika ndalama zake; 70% ya chipambano chazachuma chimadalira njira yoyenera yowonongera ndalama komanso 30% yokha pamakhalidwe abwino oyika ndalama.Tiyerekeze anthu awiri omwe amaika $500 pamwezi ndipo onse amalandira ndalama zokwana $100,000 ngati cholowa. Woyamba akupitirizabe kuyika $ 500 pamwezi ndipo amatenga Land Cruiser kwa $ 100 zikwi, pamene wachiwiri amaika $ 100 zikwi ndi $ 500 pamwezi. Pambuyo pa zaka 30, woyamba adzakhala ndi pafupifupi $588,000. Ndipo yachiwiri ikanakhala ndi $ 1,350,000 mu ndalama zamasiku ano … kusiyana kwa 750k m’mawu enieni chifukwa cha chikhalidwe cholondola chogwiritsira ntchito komanso oposa 1 miliyoni ngati sitiganizira za inflation!

Mafunso azachuma okhudza bajeti ndi ma airbags

Sungani, tetezani ndikuwonjezera ndalama zanu pompano

Ndidapeza ziwerengero: mu 2023, 75% ya aku Russia adayamba kusunga ndalama. 13% sungani pa zakudya, 12% patchuthi, pa chakudya – 9%, zovala, nsapato – 9%, salons kukongola – 8%. Ndi chiyani chinanso chomwe mungachite mwachangu kuti mukhale ndi thanzi labwino? Sankhani ndi kuchita.

Chotsani ndalama “zazing’ono”.

Nyumba ya khofi? Ulendo wa taxi? Zakudya zachangu? Chinthu chilichonse chili ndi njira yopindulitsa komanso yothandiza. Njinga ndi njira yabwino kwambiri yoyendera. Mofulumira, mfulu, zabwino! Werengani mtengo wogula kapena kubwereka njinga yamoto yovundikira. Ndipo ngati pangongole, ndalamazo zilipira zingati? Osati zatsopano. Kodi inunso mukuganiza za izi? Kuzindikira izi kudzakufikitsani kale kufupi ndi zolinga zanu zachuma.

Limbikitsani ndalama pamakhadi

Mabanki amasamutsidwa okha ku deposit pa chiwongola dzanja.

Pangani mndandanda wazogula “m’mphepete mwa nyanja”

“Ikani tariffs mu sieve”

Kulumikizana, intaneti, zolembetsa zolipira. Letsani kulembetsa kosafunikira pa foni ndi TV yanu.

Osanyalanyaza mapulogalamu a bonasi ndi kubweza ndalama

Pafupifupi sitolo iliyonse imapereka kuchotsera kwa makasitomala. Musakhale aulesi kuti mudziwe za iwo.

Yambani kuyika ndalama mtsogolo muno

Mu maphunziro, chidziwitso, magawo. M’malo mwa malo ochezera a pa Intaneti ndi TV, werengani buku, phunzirani zambiri zothandiza, tsegulani akaunti ya brokerage, phunzirani luso latsopano.

Yambani kupanga ndalama zongochita zokha

Mutha kuyika ndalama kuchokera ku ma ruble 1-5k m’magawo a ” tchipisi ta buluu ” okhala ndi kuthekera kwakukula bwino komanso zopindulitsa.

Dziwani kuti kuchotsera msonkho ndi chiyani, mwina ndinu oyenera kulandira?

Kupititsa patsogolo luso la zachuma

Anu, okondedwa anu ndi ana anu.

Pali njira ziwiri zosinthira chuma chanu: gwiritsani ntchito zochepa kapena kupeza zambiri. Ndipo ndi bwino kuphatikiza.

Mafunso okhudzana ndi zachuma pazachuma komanso zosungira

Ndalama ziyenera kukugwirani ntchito, osati kuti muzigwira ntchito chifukwa cha ndalama

N’chifukwa chiyani munthu amafunikira ndondomeko ya ndalama? Monga ndikuwonera, kuti mupange mgwirizano wabwino pakati pazachuma lero ndi mtsogolo. Ndipo dongosolo lazachuma liyenera kumangidwa mwanzeru komanso panokha kuti ligwirizane ndi psychotype yanu. Kuti mukhale omasuka! Zowopsa ziwiri zomwe simuyenera kupitako.

Ma diamondi osawerengeka m’mapanga amiyala

Kuyika ndalama sikumathera pawokha, koma njira yokhala ndi moyo wapamwamba kwambiri pazaka zomwe kuthamanga kwa kuganiza ndi mphamvu zakuthupi sikukulolani kuti mupeze ndalama pogwiritsa ntchito njira zogwira ntchito.

Koma ichi si chifukwa chokhala ndi moyo wosauka pakadali pano, kuchedwetsa zabwino zonse zaukalamba wokhazikika. Kuyika ndalama kuyenera kukhala komasuka komanso koyenera.

Kupanda kutero zidzakhala ngati m’nkhani yakuti: “Maapozi athyoledwa. Mkaziyo analamula kuti maapulo amene anayamba kuvunda adyedwe kuti asawonongeke. Pamene maapulo owolawo amadyedwa, abwinowo amayamba kuvunda. Pamapeto pake anangodya zowolazo.” Muyenera kukhala pano ndi pano. Koma ndi kukhala ndi moyo, osati kuwotcha mopenga.

Iye ankadya, kuyenda ndi kusangalala, koma sanaike ndalama mwa iye yekha

Koma kukhala ndi moyo tsiku limodzi ndi misala. Ndipo tifunika kusamalira zam’tsogolo lero, tidakali ndi mwayi. Osamwa mabotolo 10 a mowa, osadya agalu 10 otentha, osagula foni yamakono. Izi sizokhudza zoletsa. Ndipo za ndalama zanzeru. Pali nthano ya Krylov “The Dragonfly and the Nyerere” yonena za owononga ndalama ndi zowotcha. Ndikupangira kuwerenga osati kwa ana okha. “Chinjoka Chodumphira chinaimba mofiira m’chilimwe; Ndinalibe nthawi yoti ndiyang’ane m’mbuyo pamene nyengo yozizira inadutsa m’maso mwanga. Munda woyera wafa; Palibenso masiku owala, monga pansi pa tsamba lililonse tebulo ndi nyumba zinali zokonzeka. Chilichonse chapita: ndi nyengo yozizira, Kufunika, njala imabwera … “

Aliyense ali ndi malire ake

Pali anthu omwe amakonda kusunga ndalama. Chifukwa chake, amatha kupulumutsa mosavuta ndikuyika ndalama. Pali gulu lachiwiri, amene amasangalala ndi zomwe amawononga. Ndizovuta kwa iwo kusunga. Amadziyika okha m’malingaliro ndipo ndani ali ndi ufulu wowaimba mlandu?

Kudziwa zachuma ndi 20% chidziwitso cha zida ndi njira ndi 80% kutha kumvetsetsa nokha, zokhumba zanu ndi zosowa zanu tsopano komanso nthawi yayitali.

Komwe mungasungire ndalama mwanzeru komanso popanda mitsempha pamavuto – chidwi chidzakuuzani

Momwe mungagonjetsere kukwera kwa inflation – phunziro lapamwamba kwambiri pazandalama kuchokera ku opexbota. Ndizovuta kupitilira kukwera kwa inflation, koma tiyeni tiyese. Kapena kuswa ngakhale. Inde, kotero kuti ndizotetezeka. Chifukwa chake, kukwera kwamitengo kumapeto kwa 2022 kunali 12%.

Mabondi

10-14% zokolola. Pali zosankha zomwe zoopsa zidzakhala zochepa. Iye anafotokoza chifukwa chake kuika ndalama m’ma bond kuli bwino kusiyana ndi kutenga ndalama ku banki. Sindidzibwereza ndekha. [id id mawu = “attach_1856” align = “aligncenter” wide = “599”] Zofunikira zazikulu za chomangira[/ mawu]

” Blue chips ” – magawo a echelon yoyamba ya Russian Federation

M’kupita kwa nthawi, makampani ambiri amakula pang’onopang’ono. Atsogoleri a kukula kwa chaka Sber + 92%; MTS + 40%; NOVATEK + 25%; + 9%. Zambiri apa . Ndipo madiva aatali amalipira. Chaka chino ma divas adalipira, kapena adzalipira, Sberbank, Beluga Group, NOVATEK ndi ena. Koma palinso zitsanzo: kugwa. Kusiyanasiyana ndikofunikira. Kupanga mbiri mwanzeru ndi ntchito yovuta kwa oyamba kumene. Ngati mulibe nthawi yoti mumvetsetse, ndiye: [id id mawu = “attachment_12311″ align=”aligncenter” wide=”730″] Tchipisi zabuluu pamsika waku Russia[/mawu]

Mutual ndalama ndi ETFs – okonzeka zopangidwa portfolios

Amakulolani kuti muyike ndalama zochepa. Mwachitsanzo, pogula gawo la thumba la ndalama zomwe zimagwirizanitsidwa ndi Moscow Exchange index, nthawi yomweyo mudzagulitsa magawo onse amakampani otsogola aku Russia. Mabonasi: kusankha kwakukulu, kudalirika, kuchotsera msonkho. Phindu likhoza kukhala 20-30% pachaka. Zambiri zimapezeka pagulu. [id id mawu = “attach_12094” align = “aligncenter” wide = “565”] Kodi thumba la ndalama ndi chiyani m’mawu osavuta[/ mawu]

Golide

13.26% yabweza chaka chatha. Njira yogwiritsira ntchito ndalama zanthawi yayitali. Kwa zaka zambiri, mtengo wachitsulo chamtengo wapatali umangowonjezereka, ndipo panthawi yamavuto, kukula kumathamanga. Chabwino, kugulitsa / kusinthanitsa golide kumakuthandizani kuti mukhale ndi moyo pamavuto.

Zomwe sindingavomereze

1. Depositi . 8-10% pachaka. Kukwera kwa mitengo kudzapambana. Pakalipano palibe madipoziti ku Russia omwe angapitirire kukwera kwa inflation. Ndipo vuto la banki silinathe. Makapisozi a Dummy amapezekanso ku Russian Federation.
2. Ndalama . 0% pachaka. Ndalama ziyenera kugwira ntchito. Pansi pa matiresi, ndalama zimatsitsidwa ndi inflation tsiku lililonse. Ndipo amathanso “kugwidwa” ndi ana, “zofuna” zosayembekezereka komanso zofunika kwambiri, kapena akuba. Payenera kukhala ndalama, koma ngati khushoni lazachuma lomwe mutha kulipeza nthawi yomweyo.
3. Malo ndi kukhazikika. Kugulitsa nyumba ndi chimodzi mwa zida zotetezeka zomwe zilipo masiku ano. Koma osati likulu lililonse.

https://youtu.be/0MRATvTlwPI?si=LQ2KHJyuHVkQwUuj

Chitetezo chazachuma pazovuta: dongosolo logwira mtima komanso lomveka

1. Airbag . Chitetezo si ndalama, koma banja. Sitichikhudza, pokhapokha ngati sitingathe kuchigwira.
2. Ndalama zotetezera ndalama . Gawo la ndalamazo liyenera kukhala mu cache nthawi zonse kuti muthe kubweza zomwe zatsala.
3. Mitengo imatha kugwa osati mpaka ziro, komanso kuchotsera . Timagwiritsa ntchito pilo m’zigawo zina kuti tisaluma zigongono zathu pamene magawowo akugwa ndi theka, atatha kugwa ndi theka.
4. Palibe mayendedwe mwadzidzidzi . Nthawi zambiri swans zonse zakuda zimafika nthawi zosachita malonda. Ndipo ngati ikugulitsa, ndiye kuti malonda amatseka mwachangu kwambiri. Chifukwa chake, ngati mukugulitsa ndalama kwa nthawi yayitali, muyenera kungotuluka ngati njira yomaliza. Mudzamvetsetsa liti, koma mwina mungakonde kugula zambiri ndikuwerengera malowo.
5. Pali njira yotereyi kuti ndalama zothandizira ndalama zimakhala muzitsulo zazifupi . Ndipo mumangogulanso kamodzi pa miyezi 3-6. Izi zimapangitsa kuti musamayende mosayenera, kapena kuti mulowemo bwino.
6. Musaiwale kugwiritsa ntchito ziwerengero zowonera ndalama za Commission ku Tinkoff . Zimakhudza kwambiri zochita zosafunikira. Kupanda kutero, gwiritsani ntchito zam’tsogolo, tsekani malonda anu usiku ndikugona bwino.

Momwe mungasungire ndalama zochepa: khazikitsani 10,000, 20,000, 30,000 rubles

Mafunso azachuma okhudza ngongole

Musanatenge ngongole: yang’anani kuopsa kwake, zopindulitsa ndi zomwe mungakwanitse

ZOFUNIKA! Malamulo omwe ndimatsatira muzochitika zilizonse zosadziwika bwino!

Imani ndikuganizira zomwe mungachite tsopano kuti musalowe m’mavuto posachedwa kapena kutali ndikuwongolera mkhalidwe wanu. Samalirani malingaliro anu, osayang’anira zomwe zili pa intaneti mphindi iliyonse. Phokoso lachidziwitso limangotseka ubongo ndikusokoneza kuganiza kokwanira. Osanyenga ana anu. Mkhalidwewo udzatha, kuvulala kudzakhalabe.

Cash reserve

Zaka makumi awiri ndi chimodzi, zolipira popanda kulumikizana – chilichonse ndichabwino. Koma sangakuthandizeni kugula katundu wachiwiri kapena kulipira taxi mumzinda wosadziwika usiku pamene khadi lanu silinavomerezedwe mwadzidzidzi. Koma musachotse chilichonse pamakhadi. Ndalama zambiri m’matumba anu muzochitika zotere sizili bwino.

Kupereka madzi ndi chakudya kwa masiku angapo

Zinthu zikhoza kuchitika pamene simukufuna kuchoka panyumba. Ndipo kukapereka khomo ndi khomo sikungagwire ntchito. Timatenga mbewu monga chimanga, zinthu zamzitini, ndi zakudya zomwe tazikonza mufiriji ndikukhala kunyumba motetezeka.

Tanki yamafuta amafuta, banki yamagetsi yamagetsi – tochi – foni …

Ngati pali malo omwe mungathe kudziunjikira mphamvu, ndiye kuti ndi bwino kuchita izi pasadakhale. Ndipo osati chifukwa mphamvuzi sizidzakhalapo pambuyo pake, koma kuti zikhalepo pamene aliyense ayamba kudziunjikira mwadzidzidzi. Chigawo chilichonse cha moyo wathu chimakhazikika pamlingo woyenera. Kusalinganika pang’ono kumadzaza dongosolo, mizere ndi chisangalalo zimayamba, ndipo palibenso zokwanira kwa aliyense. Panthawiyi, mumangokhala pakhomo ndikuyang’ana zomwe zikuchitika mpaka zonse zibwerere mwakale.

“Alarm suitcase”

Ziyenera kukhala: zikalata, ndalama, zida zothandizira, madzi ndi chakudya kwa masiku atatu, chakudya cha ana, ngati pakufunika. Ngati mukufunika kuchoka panyumba panu mwachangu ndipo mutha kugwira chinthu chimodzi, chidzakhala chiyani?

Malo osonkhanitsira ndi mafoni

Kunena zowona, sindinadziŵe izi ndekha. Koma ndikudziwa kuti makolo anga ndi mkazi wanga amadziwa nambala yanga ya foni pamtima. Mwanayo akadzakula, adzadziwanso adiresi, nambala yafoni + cholembera ndi izi mu zovala zake.

Palibe katundu kwa chaka

Kuthamanga kukayamba, aliyense amayamba kutulutsa zonse zomwe akuwona pamashelefu. Simungathe kusunga moyo wanu wonse. Kupereka kumafunika kwa sabata imodzi, mpaka zinthu zitadziwika bwino ndipo zonse zibwerera mwakale. Ndipo ndikofunikira pamene zinthu zikuwonekera bwino, mwachitsanzo, zimawonekeratu kuti palibe chomwe chinali chothandiza. Payenera kukhala lingaliro: “ndibwino kuti zonsezi sizothandiza tsopano, sizidzawonongeka, ndine wabwino,” osati: “Omg! Chabwino, kunali kofunikira kugula zonsezi muufunga ndi kumene kuziyika zonse.”

Funda, crypto ndi zina zopanda pake

Chinthu chamtengo wapatali kwambiri ndi moyo ndi thanzi la banja. Zina zonse ndi nyambo. Chabwino, n’zachidziŵikire kuti amene anali ndi ndalama zakunja tsopano adekha. Ngati msika ukugwa, gulaninso. Ngati atakula … angakula bwanji tsopano? Osagula ma ruble a 120, osasintha akaunti yanu yobwereketsa mphindi iliyonse. Kufikira kumapeto kwa chilichonse cholembedwa: ngati khamu likuthamanga kwinakwake, ndiye kuti zingakhale bwino kuyembekezera pasadakhale ndikukhalapo tsiku lapitalo. Zili ngati kufika kuntchito patadutsa mphindi khumi ndi zisanu magalimoto asanafike. Inde, izi ndi pafupi ola lakale kuposa wina aliyense, koma iyi ndi nthawi yonse yogwira ntchito, m’malo moyimirira mumsewu wa magalimoto ndikuyaka mitsempha ndi mafuta. Dzisamalire!