Kumenya gukoresha imari mururimi rworoshye: amasomo meza ninama za opexbot

Ingingo yashizweho hashingiwe ku ruhererekane rw’inyandiko ziva ku  muyoboro wa Telegramu wa OpexBot , zunganirwa n’icyerekezo cy’umwanditsi n’ibitekerezo bya AI. Opexbot itanga amasomo kubijyanye no kumenya ibijyanye n’imari kumurongo, ibikoresho byiza ninama zo muri 2023, mururimi rworoshye kandi rwumvikana kubana, abanyeshuri, naba pansiyo. Impanuro zifatika hamwe nuburyo bugamije kuri buri kibazo.

Ndi hano kandi ndi hano .

Urubuga rwubusa rwo gucuruza algorithmic [/ caption]

Niki kumenya gusoma kumafaranga mumagambo yoroshye kandi yoroshye

Reka dutangire. Kumenya gukoresha imari ni nkingwe ya Amur, benshi barabyumvise, bamwe babonye mumashusho, ndetse ni bake bahuye kumuntu. Noneho gusoma no kwandika ni iki? Dore ibisobanuro byatanzwe na VIKI: [umutwe wangiritse = ”  Kwiga  imari “) – guhuza ubumenyi, ubumenyi, ubuhanga, imyifatire n’imyitwarire ijyanye n’imari kandi ikenewe mu gufata ibyemezo by’imari byuzuye, ndetse no kugera ku mibereho myiza y’imari; urutonde rwubushobozi bwabantu bagize ishingiro ryo gufata ibyemezo byubukungu. Byizerwa ko iterambere ry’imyigire y’imari rituma bishoboka gukomeza no kuzamura imibereho myiza y’imari. Kubivuga mu buryo bworoshye, ni urutonde rwubuhanga nubumenyi bugufasha kwirinda gukoresha amafaranga menshi no kongera amafaranga wizigamiye. Kumenya gukoresha imari bikubiyemo kubungabunga no gutegura ingengo yimari, ubumenyi bwinguzanyo nibicuruzwa byubwishingizi, ubushobozi bwo gucunga amafaranga, kwishyura neza, gushora no kuzigama.

Kumenya gukoresha imari kubyerekeye igenamigambi, gushora imari no kuzamuka.

Ni ibihe bibazo umuntu akemura mugihe yiga gusoma no kwandika?

Igitekerezo kirambiranye ariko cyingirakamaro kubijyanye no kumenya imari. Niba uri umunebwe cyane gusoma, reka duhite tujya kumpanuro zifatika, amasomo n’amahugurwa yo gusoma no kwandika kumafaranga kuva opexbot. Kumenya gusoma no kwandika ni bumwe mu bumenyi bw’ingenzi bukenewe ku isi ya none kugira ngo ucunge neza imari yawe kandi urebe ko ubukungu bwifashe neza mu gihe kirekire. Iri jambo ryerekeza ku bushobozi umuntu afite bwo gusobanukirwa no gushyira mu bikorwa ubumenyi ku bikoresho by’imari, gushora imari, gukoresha ingengo y’imari, gucunga imyenda, no gutegura intego z’imari. Kimwe mu bintu by’ingenzi bigize ubumenyi bw’imari nubushobozi bwo gucunga neza ibyo winjiza nibisohoka.. Ibi bikubiyemo guteza imbere no gukurikiza ingengo yimari, gusesengura uko ubukungu bwifashe, gutegura no kugenzura amafaranga yakoreshejwe. Abantu bazi gusoma no kwandika bumva neza amafaranga akenewe nayandi ashobora gutinda ejo hazaza. Igice cyingenzi cyo kumenya gusoma no kwandika nubushobozi bwo gushora amafaranga yawe neza . Abantu bazi gusoma no kwandika baharanira gusobanukirwa ibikoresho bitandukanye byimari, ingaruka hamwe ninyungu zishoramari kugirango bunguke byinshi kandi bagabanye igihombo gishoboka. Bafata ibyemezo byimari byuzuye bishingiye kumakuru nisesengura. Erega burya, gusoma no kwandika bikubiyemo ubushobozi bwo gutegura igihe kirekire no kugera ku ntego zamafaranga. Umuntu ufite ubu buhanga agena ibyo ashyira imbere kandi agategura ingamba zikenewe zo kubishyira mubikorwa. Yumva kandi akamaro k’ikigega cyihutirwa kandi azi gucunga imyenda ye kugirango yirinde ibibazo byamafaranga mugihe kizaza. Kumenya gukoresha imari nigice cyingenzi mubuzima bwiza bwimari kandi burambye. Ubu buhanga buha abantu ubushobozi bwo gufata ibyemezo byimari no gucunga neza umutungo wabo. Abantu bazi gusoma no kwandika bafite ubumenyi bushobora kubafasha kugera ku bwigenge bw’amafaranga, kubona ikiruhuko cy’izabukuru, no gutanga umutekano w’umuryango wabo.

Kuki uri umukene – psychologiya, umutungo n’ingeso

Nigute ushobora kumenya gusoma kumafaranga: urutonde rwamasomo kuva opexbot

Amasomo yo gusoma no kwandika aboneka kubana, abanyeshuri biga, abanyeshuri naba pansiyo. Reka dutangire gahunda yuburezi hamwe nibaruwa yabasomyi bacu basanzwe.

Kuva mu bwana twigishijwe kubaho mu ndogobe

Mwaramutse neza, ba admin. Reka ntangire kuberako benshi muritwe tutigishijwe gusoma no kwandika. Bigishaga ibintu byinshi kwishuri, ariko ntakintu nakimwe kijyanye no kutaba umusabirizi. Byari bijyanye nuburyo buri wese agomba kuba umwe: kwiga neza, kwitabira club ya macrame no kujya muminsi yisuku. Waba warigeze wibaza impamvu hariho abantu benshi bazaza gutsinda mubanyeshuri ba C. Nibyo, kuva mu bwana bacira amacandwe kumurongo. Bafata ibyago bakagenda inzira zabo. Ababyeyi bategeka kaminuza kwinjira nuwuhe mwuga wo kwiga. Mama ni umuganga. Ibyo bivuze ko ugomba no kujya mubuvuzi. Kandi ntacyo bitwaye ko inyungu zawe ziri ku ndege itandukanye. Barampemukiye, baca intege icyifuzo cyanjye cyo kwigira, banyiba imyaka 5 yubuzima bwanjye. Twigishijwe kutareba kure.

Sisitemu y’amahugurwa ubwayo ntishobora guhinduka

Bitandukanye, nk’urugero, ishuri rya Isiraheli, aho buri munyeshuri ahitamo amasomo amushimisha kumenya. Kandi turababara kubwubutaka butagira umumaro imyaka 5. Kurugero, Ntabwo nzi aho impamyabumenyi yanjye iri. Ibikurikira – akazi kadakunzwe kuva kumushahara kugeza kumushahara. Nta byinjira byinjira. Uruziga rukomeye rugoye gucika: 5/8 akazi, inguzanyo, kubura ingufu namafaranga, imyenda, akazi ko kwishyura imyenda. Leta iduhatira inguzanyo muburyo bwose bushoboka. Umutwaro wimyenda yabaturage ba Federasiyo yUburusiya uri hafi 50%. Umuntu wese wa kabiri arafashwe.

Turakiza kandi dukoresheje indogobe yacu

Igorofa ihendutse – byanze bikunze hubatswe hanze yidirishya. Guhagarika umutima, ijoro ridasinziriye, kubura imbaraga zo gukora ikintu cyose mugitondo. Ibiryo byihuse – uburozi na farumasi. Gutakaza ubuzima, igihe, amafaranga.

Kuzigama ntabwo ari ugukuraho ibintu bibi mubuzima. Nukwiyanga mubi uyumunsi, kugirango mumyaka 5 utazihakana ibyiza.

Hindura akazi. Wige ibyo warose nkumwana. Kureka akazi kawe ka kabiri, kandi hari abagera kuri 30% muri Federasiyo yUburusiya, kugirango ubone umwanya wo kwiteza imbere. Shora amafaranga 2k mumigabane. Ukwezi gutaha 4k. Ibi bizamura amafaranga. Kandi igihe kirenze, hazashyirwaho umutego wamafaranga. Kandi niki gishobora gutanga ibyiringiro byinshi niba atari konte ihamye kurikarita cyangwa konte ya brokerage? Ntugire ibiruhuko bitesha agaciro muri wikendi. Koresha neza igihe cyawe cyubusa! Ntugahinyure amahirwe akuza inzira yawe. Umuntu wese arabafite.

Ikintu kibi cyane gishobora kubaho nukuguma mu ndogobe ubuziraherezo no kohereza abana bawe munzira imwe mubuzima. Gukoresha igenamiterere rimwe.

Nzongeraho wenyine: Twigishijwe rwose kubaho mu ndogobe kuva mu bwana, ariko ntabwo ari ngombwa kumara ubuzima bwacu bwose. Saba wowe ubwawe nk’umwami, n’abari hafi yawe nk’abacakara. Nishimiye ko nzanye kumurikirwa kuri rubanda. Ubumenyi bwimari bwabaturage buragenda bugabanuka uko umwaka utashye, reka dukosore ninkota yubumenyi opexbota. Ibyavuye mu bushakashatsi ni ukumenya niba wifata nk’umuntu uzi gusoma no kwandika ku ijanisha rusange:

Kuba azi gusoma no kwandika kubijyanye n’imyitwarire y’amafaranga

Abasabirizi basenga basaba ko ubukene bwabo bwishingirwa

Wigeze wibaza impamvu abakire bakize, mugihe abakene badashobora guhunga umuyaga wubukene? Imwe mu mpamvu zasobanuwe na Richard Thaler maze ayita “ingaruka z’ubutunzi bwa mbere.” Niba ukunda inkuru ndende mwishuri, reba igitabo “Ibitekerezo Byibanze Byisi Yimari.” Ubwihindurize “: Peter Bernstein. Kubakunda gusubiramo bigufi, nzavuga essence. Richard Thaler yakoze igerageza ryo kugerageza kubura ibitekerezo bidahinduka mubukungu. Yahamagariye itsinda ryabanyeshuri gutekereza ko buri wese yatsindiye $ 30. Noneho hari uburyo bubiri: guta igiceri kandi, ukurikije niba kizamuka imitwe cyangwa umurizo, ubone byinshi cyangwa utange 9.00. Cyangwa ntukureho igiceri na gato. 70% by’amasomo bahisemo guta igiceri.
Bukeye, Thaler yeretse abanyeshuri iki kibazo. Umurwa mukuru wabo wambere ni zeru, hanyuma uhitemo bumwe muburyo bukurikira: guta igiceri ukabona $ 39 iyo iguye kumutwe, cyangwa $ 21 iyo iguye kumurizo. Cyangwa ntukabireke kandi wijejwe kubona $ 30. 43% byabanyeshuri gusa bemeye guterwa ibyago, abasigaye bahitamo gutsinda byanze bikunze.
Ingingo ni uko ibisubizo byanyuma ari BIMWE .Waba utangiriye $ 30 cyangwa kuva kuri zeru, amahirwe yo gutsindira buri gihe atandukanye numubare wishingiwe. Abanyeshuri, ariko, bagaragaza ibyifuzo bitandukanye, bityo bakerekana kubura guhinduka. Thaler yise uku kunyuranya “ingaruka zubutunzi bwa mbere.” Niba ufite amafaranga mu mufuka, ukunda gufata ibyago. Niba ari ubusa, noneho wahitamo gufata 30 USD ufite garanti, aho gukina ibyago byo kubona 21 USD. Kandi ibi ntabwo ari abstraction. Mu isi nyayo, iyi ngaruka nta kamaro gato. Kandi si mu rwego rw’imari gusa.

Ku bakene, ubukene burambye burambye burenze “ibyago” byo kuba umukire, ariko kandi birashoboka no gutakaza igiceri. Hariho icyifuzo gikomeye cyo kubungabunga aho kwiyongera aho kwiyongera, nubwo hari ingaruka zimwe. Ibi birwanya logique, ariko ubwoba ntibusinzira.

Ariko ntabwo ibintu byose byiringiro. Kumenya ikibazo ni kimwe cya kabiri cyigisubizo cyacyo. Niba urebye neza, iki ntabwo ari ikibazo, ahubwo ni ikintu cyo gutekereza. Ni muri ubu buryo bwa artificiel dukeneye gutandukana.

Intego eshanu zamafaranga gushiraho no kugeraho mbere yimyaka 40

Ongera ihungabana ryamafaranga

Kugira ngo wirinde gutakaza umwenda no gutuma amafaranga yawe agukorera ntabwo ari ukundi, ugomba kumara igihe wiga ibijyanye no gusoma no kwandika.

Shiraho ikigega cyabigenewe / umutego wimari

Abahanga benshi mu by’imari bavuga ko ikigega cyawe cyihutirwa kigomba kwishyura byibuze amezi 3 yo kubaho. Ingurube z’umukara rimwe na rimwe ziguruka zibiri.

Iyishyirireho ikibazo kandi ugere kubisubizo

Gira miliyoni 1 mumafaranga yo mumufuka. Soma igitabo 1 cyerekeye imari buri cyumweru kumwaka. Kureka itabi … Yego, yego, ntabwo bijyanye n’ubuzima gusa, ahubwo ni n’amafaranga.

Shaka umutungo wawe bwite, imodoka, usure ibirwa bya kure, uguruka mu gitaramo cya Sting, gura pug

Umaze kugera ku mibereho myiza yubukungu, menya inzozi zawe. Koresha bimwe mubyo wizigamiye winjiza kukazi cyangwa gucuruza. Ubu ni bwo buryo bwonyine ubwonko bwumva ko ibintu byose ari ubusa. Kongera gushora ibintu byose mumishinga mishya, imigabane, ubucuruzi nibyiza. Ariko ugomba no kwishimisha wenyine.

Kora urutonde rwibintu bigushimisha rwose

Imibare irerekana ko aba multimillionaires bose batishimye. Bamwe barangije bibabaje cyane. Urashobora kugira amafaranga yose kwisi hamwe nakazi keza, ariko ukaba utishimye. Amafaranga ni igikoresho gusa. Kandi buriwese afite urutonde rwibyishimo. Andika kandi wihute.

Bishyura make – umugore ararakara, nyirabukwe akanda, banki irahamagara, umwana ararira

Abenshi mu Barusiya (77% by’ababajijwe) ntibanyuzwe n’akazi kabo neza kubera umushahara muto. Ntabwo ari imiyoborere, ntabwo ibyiringiro byiterambere, ahubwo byinjira. Reka dusuzume akazi nkumudari, aho kuruhande rumwe hariho inzira ebyiri zo gukemura ikibazo cyamafaranga make.

Uruhande rwa mbere: kongera inyungu zikora

Dore inzira zikurikira: – Kongera umushahara wawe binyuze mu kuzamurwa mu ntera, binyuze mu mirimo y’inyongera, cyangwa binyuze mu bisubizo. Bumwe muburyo busaba akazi ko kwitegura. Ntabwo uzamurwa mu ntera gusa – ugomba guteza imbere ubuhanga, cyangwa kuba umuvandimwe. Ugomba gufata imirimo yinyongera niba itakurangije. Ariko abayobozi bose ntabwo bashishikajwe nibisubizo. – Gushakisha akazi mubyerekezo bisa, ariko hamwe ninjiza nyinshi. Umutwe uhiga mumaboko / urufunguzo.

Uruhande rwa kabiri: kubyara inyungu

Numushahara uriho kandi nta kuzigama kwuzuye kuri byose. Kandi birashoboka. Ukeneye gukora buhoro buhoro kugirango udashya kandi ugashya. Kwihuta nibyiza gusa gufata ibihuru. Shora amafaranga atarenze 15% yumusaruro wawe ushora mubushoramari no gucuruza. Kusanya ibigega bike-byinguzanyo / portfolio. Birakwiye gucuruza kubitsa bike. Dave Ramsey: “Abatsinze imari ntibiruka, biruka marato. Ntabwo bihuta. Babikora buhoro buhoro. “

Amategeko 70/30 mu bijyanye n’imari

Abakire bakoresha amafaranga make (Bill Gates ni urugero rwibi). Abakire bakize kandi abakene bakennye. Umuntu wumukire watsindiye tombora arashora; umukene birashoboka ko yarangiza ntakindi. 70% byubutsinzi bwamafaranga biterwa nuburyo bwiza bwo gukoresha naho 30% gusa muburyo bwiza bwo gushora imari.Reka tugereranye abantu babiri bashora $ 500 buri kwezi kandi bombi bahabwa amafaranga atunguranye angana na 100.000 $ nkumurage. Iya mbere ikomeje gushora amadorari 500 ku kwezi igatwara Land Cruiser ku bihumbi 100, mu gihe iya kabiri ishora ibihumbi 100 na 500 buri kwezi. Nyuma yimyaka 30, iyambere izaba ifite $ 588.000. Kandi icya kabiri cyaba gifite $ 1,350.000 mumafaranga yuyu munsi … itandukaniro rya 750k mubyukuri bitewe numuco ukwiye wo gukoresha neza hamwe na miliyoni zirenga 1 niba tutirengagije ifaranga!

Ibibazo byo gusoma no kwandika kubijyanye na bije hamwe nindege

Bika, urinde kandi wongere imari yawe nonaha

Naje kubona imibare: mu 2023, 75% by’Abarusiya batangiye kuzigama amafaranga. 13% uzigame kubyo kurya, 12% mubiruhuko, kubiryo – 9%, imyenda, inkweto – 9%, salon yubwiza – 8%. Ni iki kindi ushobora gukora vuba kugirango ubeho neza? Hitamo kandi ukore.

Kuraho amafaranga “mato”

Inzu ya Kawa? Urugendo rwa tagisi? Ibiryo byihuse? Buri kintu gifite ubundi buryo bwunguka kandi bwingirakamaro. Igare nuburyo bwiza cyane bwo gutwara abantu. Byihuta, ubuntu, bikomeye! Kubara ikiguzi cyo kugura cyangwa gukodesha scooter / igare. Niba kandi ku nguzanyo, izishyura angahe? Ntabwo ari shyashya. Uratekereza no kuri ibi? Kubona amakuru arambuye bizakwegera cyane kumigambi yawe yubukungu.

Kusanya amafaranga ukoresheje amakarita

Amafaranga asigaye ahita yimurwa kubitsa inyungu.

Kora urutonde rwubucuruzi “ku nkombe”

“Shira amahoro ukoresheje akayunguruzo”

Itumanaho, interineti, abiyandikishije bishyuye. Hagarika abiyandikisha bitari ngombwa kuri terefone yawe na TV.

Ntukirengagize gahunda za bonus na cashback

Amaduka hafi ya yose atanga ibiciro kubakiriya. Ntukabe umunebwe kubimenya.

Tangira gushora imari mugihe kizaza

Mu burezi, ubumenyi, imigabane. Aho guhuza imbuga nkoranyambaga na TV, soma igitabo, wige amakuru yingirakamaro, fungura konti ya brokerage, wige ubuhanga bushya.

Tangira kubyara inyungu

Urashobora gushora kuva kumafaranga 1-5k mugabane wa ” chip yubururu ” hamwe nubushobozi bwiza bwo gukura hamwe ninyungu.

Menya kugabanyirizwa umusoro icyo aricyo, birashoboka ko ufite uburenganzira kuri kimwe?

Kunoza gusoma no kwandika

Uwawe, abo ukunda hamwe n’abana bawe.

Hariho uburyo bubiri bwo kuzamura ibibazo byubukungu: gukoresha make cyangwa kwinjiza byinshi. Kandi nibyiza guhuza.

Ibibazo byo gusoma no kwandika kubijyanye n’ishoramari no kuzigama

Ishoramari rigomba kugukorera, ntabwo ukora kugirango ushore imari

Kuki umuntu akeneye gahunda yishoramari kugiti cye? Nkuko mbibona, kugirango twubake impirimbanyi nziza hagati yubukungu muri iki gihe no mugihe kizaza. Kandi gahunda yishoramari igomba kubakwa neza kandi kugiti cyawe kugirango ihuze na psychotype yawe. Kugirango ubeho neza! Intagondwa ebyiri utagomba kujyamo.

Diyama zitabarika mu buvumo bwamabuye

Ishoramari ntabwo ari iherezo ryonyine, ahubwo ni inzira yo kubaho ubuzima bwiza cyane mugihe umuvuduko wibitekerezo nubushobozi bwumubiri bitagufasha kubona amafaranga ukoresheje uburyo bukora.

Ariko iyi ntabwo arimpamvu yo kubaho nabi muriki gihe, isubika ibyiza byose kubusaza buteganijwe. Ishoramari rigomba kuba ryiza kandi ryumvikana.

Bitabaye ibyo, bizaba nko mu nkuru: “Pome yarasaruwe. Umugore yategetse ko pome yari yatangiye kubora igomba kuribwa kugirango batajya guta. Mugihe pome iboze ziribwa, nziza zitangira kubora. Amaherezo, bariye gusa ibiboze. ” Ugomba gutura hano nubu. Ariko ni ukubaho, kandi ntabwo gutwika umusazi.

Yariye, agenda kandi yishimisha, ariko ntiyashora wenyine

Ariko kubaho umunsi umwe icyarimwe nubusazi. Tugomba kwita kubizaza uyu munsi, mugihe tugifite amahirwe. Ntunywe amacupa 10 yinzoga, ntukarye imbwa 10 zishyushye, ntugure terefone nziza. Ibi ntabwo bijyanye no kubuzwa. Naho kubyerekeye ishoramari ryubwenge. Hariho umugani wa Krylov “Ikiyoka n’ikimonyo” kivuga kubakoresha no gutwika. Ndasaba kubisoma atari kubana gusa. “Gusimbuka Ikiyoka cyaririmbye icyi gitukura; Ntabwo nabonye umwanya wo gusubiza amaso inyuma mugihe imbeho yatembye mumaso yanjye. Umurima wera warapfuye; Nta minsi yumucyo ihari, nkuko munsi ya buri kibabi haba ameza n’inzu byari byiteguye. Ibintu byose byarashize: hamwe nimbeho ikonje, Birakenewe, inzara iraza … ”

Umuntu wese afite uburimbane bwe

Hariho abantu bakunda guhunika. Nkigisubizo, barashobora kuzigama no gushora byoroshye. Hariho icyiciro cya kabiri, abishimira ibyo bakoresha. Birabagora kuzigama. Bashora imari mumarangamutima kandi ninde ufite uburenganzira bwo kubaryoza?

Kumenya gukoresha imari ni 20% ubumenyi bwibikoresho ningamba hamwe na 80% ubushobozi bwo kwiyumva, ibyifuzo byawe nibikenewe nonaha kandi mugihe kirekire.

Aho gushora neza kandi udafite imitekerereze mukibazo – inyungu zizakubwira

Nigute ushobora gutsinda ifaranga – isomo ryiza cyane kubijyanye no kumenya imari kuva opexbota. Biragoye kurenza ifaranga, ariko reka tugerageze. Cyangwa byibuze ucike. Yego, kugirango bibe bifite umutekano. Ifaranga rero mu mpera za 2022 ryari 12%.

Ingwate

Umusaruro 10-14%. Hano hari amahitamo aho ingaruka zizaba ziciriritse. Yasobanuye impamvu gushora imari muri bonds ari byiza kuruta gufata amafaranga muri banki. Sinzongera. Ibipimo by’ingenzi bigize inkwano [/ caption]

” Chipi z’ubururu ” – imigabane ya echelon yambere ya Federasiyo y’Uburusiya

Mu gihe kirekire, ibigo byinshi bikura neza. Abayobozi bakura umwaka Sber + 92%; MTS + 40%; NOVATEK + 25%; Tatneft + 9%. Ibisobanuro birambuye hano . Kandi diva ndende irishyura. Uyu mwaka diva yishyuye, cyangwa izishyura, Sberbank, Itsinda rya Beluga, NOVATEK n’abandi. Ariko hariho na comptexamples: kugwa. Gutandukana ni ngombwa. Kubaka portfolio neza ni umurimo utoroshye kubatangiye. Niba udafite umwanya wo kubimenya, noneho :

Amafaranga ya mutuelle na ETFs – byateguwe neza

Emerera gushora amafaranga make. Kurugero, muguze umugabane wikigega cyishoramari gihujwe nurutonde rwivunjisha rya Moscou, uzahita ushora mumigabane yose yamasosiyete akomeye yo muburusiya. Bonus: guhitamo kwinshi, kwizerwa, kugabanya imisoro. Inyungu irashobora gushika kuri 20-30% kumwaka. Amakuru arahari kumugaragaro. Niki mutuelle mumagambo yoroshye [/ caption]

Zahabu

13.26% bagaruka mumwaka ushize. Amahitamo y’akazi yo gushora igihe kirekire. Mu myaka yashize, igiciro cyicyuma cyagaciro cyiyongera gusa, kandi mugihe cyibibazo, iterambere ryihuta. Nibyiza, kugurisha / guhana zahabu bigufasha kubaho mubihe bikomeye.

Icyo ntagusaba

1. Kubitsa . 8-10% ku mwaka. Ifaranga rizatsinda. Kugeza ubu nta mubitsi wabitswe mu Burusiya wasumbya ifaranga ukurikije ijanisha. Kandi ikibazo cyamabanki nticyahagaritswe. Dummy capsules irashobora kandi kuboneka muri Federasiyo y’Uburusiya.
2. Amafaranga . 0% ku mwaka. Amafaranga agomba gukora. Munsi ya matelas, amafaranga arimo guteshwa agaciro nifaranga buri munsi. Kandi barashobora kandi “gukubitwa” nabana, “ibyifuzo” bitunguranye kandi bikenewe cyane, cyangwa abajura. Hagomba kubaho amafaranga, ariko nkigikoresho cyamafaranga ushobora guhita ubona.
3. Umutungo utimukanwa ni umutekano. Ishoramari ryimitungo nimwe mubikoresho byizewe biboneka muri iki gihe. Ariko ntabwo ari igishoro icyo aricyo cyose.

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

Umutekano wamafaranga mubihe bigoye: gahunda nziza kandi yumvikana

1. Isakoshi . Umutekano ntabwo ari amafaranga, ahubwo ni umuryango. Ntabwo dukoraho, gusa mugihe tudashobora gukoraho.
2. Umutekano wamafaranga . Igice cyamafaranga kigomba guhora muri cache kugirango ubashe kugura ibyakuweho.
3. Ibiciro ntibishobora kugabanuka kuri zeru gusa, ariko no kugabanuka . Dukoresha umusego mubice kugirango tutaruma inkokora mugihe imigabane igabanutseho kabiri, nyuma yo kugabanukaho kimwe cya kabiri.
4. Nta kugenda gutunguranye . Akenshi ingurube zose zabirabura zigera mugihe kitari ubucuruzi. Niba kandi ari ubucuruzi, noneho cyamunara irangire vuba cyane. Kubwibyo, niba ushora imari mugihe kirekire, ugomba gusohoka gusa nkuburyo bwa nyuma. Uzasobanukirwa igihe, ariko birashoboka cyane ko uzahitamo kugura byinshi kandi ugereranije umwanya.
5. Hano hari ingamba kuburyo umutego wamafaranga uri muri bonds . Kandi ugura inshuro imwe gusa mumezi 3-6. Ibi bituma bishoboka kudakora ingendo zidakenewe, cyangwa kwinjira mumagambo meza.
6. Ntiwibagirwe gukoresha serivisi y’ibarurishamibare kugirango urebe amafaranga ya komisiyo kuri Tinkoff . Biratangaje cyane kubikorwa bidakenewe. Bitabaye ibyo, koresha ejo hazaza, funga ubucuruzi bwawe nijoro uryame neza.

Ni he ushobora gushora amafaranga make: gushora 10,000, 20.000, 30.000

Ibibazo byo gusoma no kwandika bijyanye ninguzanyo

Mbere yo gufata inguzanyo: gusuzuma ingaruka, inyungu n’ubushobozi bwawe

AKAMARO! Amategeko nkurikiza mubihe bidasobanutse!

Hagarara utekereze kubikorwa ushobora gukora ubu kugirango wirinde kwishora mubibazo mugihe cya vuba cyangwa cya kure kandi utezimbere imimerere yawe. Witondere imitekerereze yawe, ntukurikirane umutungo wa interineti buri munota. Urusaku rw’amakuru rufunga ubwonko gusa kandi rukabangamira ibitekerezo bihagije. Ntukabeshye abana bawe. Ibintu bizarangira, imvune izagumaho.

Amafaranga yabitswe

Ikinyejana cya makumyabiri na rimwe, kwishura utishyuye – byose ni byiza. Ariko ntibazagufasha kugura ibicuruzwa imbonankubone cyangwa kwishyura tagisi mumujyi utamenyereye nijoro mugihe ikarita yawe itemewe. Ariko ntukureho kandi amakarita yose. Amafaranga arenze mumifuka yawe mubihe nkibi nabyo ntabwo aribyiza.

Gutanga amazi n’ibiryo muminsi myinshi

Ibintu birashobora kuvuka mugihe udashaka kuva munzu. Kandi gutanga ku nzu n’inzu ntibizakora. Dukuramo ibinyampeke, ibicuruzwa, hamwe n ibiryo byateguwe muri firigo hanyuma twicara murugo, umutekano.

Ikigega cyuzuye cya lisansi, banki yishyuza amashanyarazi – itara – terefone …

Niba hari aho ushobora kwegeranya ingufu, nibyiza kubikora mbere. Kandi sibyo kuko izo mbaraga ntizizaba zihari nyuma, ariko kugirango zizabe zihari mugihe abantu bose batangiye kuyegeranya. Buri gice cyubuzima bwacu gishingiye kuburinganire. Ubusumbane buke burenze sisitemu, umurongo n’ibyishimo biratangira, kandi ntibikiri bihagije kuri buri wese. Muri iki gihe, uricara murugo ukareba ibibera kugeza ibintu byose bisubiye mubisanzwe.

“Ivalisi yo kumenyesha”

Igomba kuba ikubiyemo: inyandiko, amafaranga, ibikoresho byubufasha bwambere, gutanga amazi nibiryo muminsi itatu, ibiryo byabana, nibisabwa. Niba ukeneye byihutirwa kuva mu rugo rwawe kandi ushobora gufata ikintu kimwe, bizagenda bite?

Ingingo yo gukusanya hamwe na terefone

Mvugishije ukuri, ntabwo nabimenye neza ubwanjye. Ariko nzi ko ababyeyi nabagore bazi numero yanjye ya terefone kumutwe. Umwana amaze gukura, azamenya kandi aderesi, numero ya terefone + inoti iriho imyenda ye.

Nta bikoresho byumwaka

Iyo kwihuta gutangira, abantu bose batangira kunyeganyeza ibyo babonye byose. Ntushobora guhunika ubuzima bwawe bwose. Isoko rirakenewe mugihe ntarengwa cyicyumweru, kugeza igihe ibintu bizagaragara kandi ibintu byose bigasubira mubisanzwe. Kandi ni ngombwa mugihe ibintu bimaze kugaragara, kurugero, biragaragara ko ntanumwe muribi wagize akamaro. Hagomba kubaho igitekerezo: “nibyiza ko ibyo byose bidafite akamaro ubu, ntibizajya ubusa, ndakomeye,” kandi ntabwo: “Omg! Byari byiza kugura ibi byose mu gihu n’aho byashyirwa byose. ”

Funda, crypto nibindi bidafite ishingiro

Ikintu cyagaciro cyane nubuzima nubuzima bwumuryango. Ibindi byose ni ibyambo. Nibyiza, biragaragara ko abari mumafaranga yamahanga ubu batuje. Niba isoko iguye, noneho uyigure. Niba akuze … kuki yakura ubu? Ntugure amafaranga 120, ntukavugurure konte yawe ya brokerage buri munota. Gufata umwanzuro mubintu byose byanditse: niba imbaga y’abantu yiruka ahantu runaka, byaba byiza ubanje kubiteganya hakiri kare kandi ukaba uhari umunsi umwe. Nukugera kukazi iminota cumi n’itanu mbere yimodoka. Nibyo, ibi ni nk’isaha mbere kurenza abandi, ariko iyi ni isaha y’akazi yose, aho guhagarara mumodoka no gutwika imitsi na lisansi. Wiyiteho!