Ukufunda ngezezimali ngolimi olufinyelelekayo: izifundo ezinhle kakhulu namathiphu avela ku-opexbot

Lesi sihloko sidalwe ngokusekelwe ochungechungeni lokuthunyelwe okuvela  esiteshini se-OpexBot Telegram , okungezelelwe umbono wombhali kanye nombono we-AI. I-Opexbot ihlinzeka ngezifundo zokufunda ngezezimali ku-inthanethi, izinto ezisetshenziswayo nezeluleko ezihamba phambili zango-2023, ngolimi olufinyelelekayo noluqondakalayo ezinganeni, kubafundi, nabahola impesheni. Iseluleko esisebenzayo kanye nendlela eqondiswe esimweni ngasinye.

Nakhu ngikhona . _ _

[id-caption id=”okunamathiselwe_14991″ align=”aligncenter” wide=”780″] Inkundla yamahhala yokuhweba nge-algorithmic[/caption]

Kuyini ukufunda ngezezimali ngamagama ayinkimbinkimbi nalula

Ake siqale. Ukufunda ngezezimali kufana nengwe yase-Amur, abaningi bezwile, abanye babone ezithombeni, futhi bambalwa nakakhulu abaye bahlangana mathupha. Ngakho kuyini ukufunda ngezezimali? Nansi incazelo enikezwe u-VIKI:

Ulwazi lwezezimali mayelana nokuhlela, ukutshala izimali kanye nokukhula.

Yiziphi izinkinga umuntu azixazulula lapho efunda ulwazi lwezezimali?

Ithiyori encane eyisicefe kodwa ewusizo mayelana nolwazi lwezezimali. Uma uvilapha kakhulu ukufunda, ake siqonde ngqo izeluleko ezisebenzayo, izifundo kanye nokuqeqeshwa kolwazi lwezezimali oluvela ku-opexbot. Ukufunda ngezezimali kungelinye lamakhono abalulekile adingekayo emhlabeni wanamuhla ukuze uphathe izimali zakho ngempumelelo futhi uqinisekise uzinzo lwezezimali lwesikhathi eside. Leli gama lisho ikhono lomuntu lokuqonda nokusebenzisa ulwazi mayelana namathuluzi ezezimali, ukutshalwa kwezimali, ukuhlelwa kwesabelomali, ukuphathwa kwezikweletu, nokuhlela imigomo yezezimali. Enye yezingxenye eziyinhloko zolwazi lwezezimali yikhono lokuphatha ngempumelelo imali engenayo nezindleko zakho.. Lokhu kuhlanganisa ukwakha nokulandela isabelomali, ukuhlaziya isimo sezimali, ukuhlela nokulawula izindleko. Abantu abafunde ngezezimali baqonde ngokucacile ukuthi yiziphi izindleko ezidingekayo futhi ezingahlehliselwa ikusasa. Ingxenye ebalulekile yolwazi lwezezimali futhi ikhono lokutshala imali yakho ngendlela efanele . Abantu abafunde ngezezimali balwela ukuqonda amathuluzi ezezimali ahlukahlukene, ubungozi kanye nembuyiselo yokutshalwa kwezimali ukuze bakhulise inzuzo yabo futhi banciphise ukulahlekelwa okungaba khona. Benza izinqumo zezezimali ezisekelwe olwazini nasekuhlaziyeni. Phela, ukufunda ngezezimali kubandakanya ikhono lokuhlela isikhathi eside nokufeza imigomo yezezimali. Umuntu onaleli khono unquma izinto eziza kuqala kuye futhi athuthukise izinyathelo ezidingekayo zokuzisebenzisa. Uyakuqonda nokubaluleka kwesikhwama sezimo eziphuthumayo futhi uyakwazi ukuphatha izikweletu zakhe ukuze agweme izinkinga zezimali esikhathini esizayo. Ulwazi lwezezimali luyingxenye ebalulekile yenhlalakahle yezezimali eyimpumelelo nesimeme. Leli khono linika abantu amandla okwenza izinqumo zezezimali benolwazi futhi baphathe izinsiza zabo ngempumelelo. Abantu abanolwazi lwezezimali banamakhono angabasiza ukuba bathole inkululeko ngokwezimali, bavikele ikusasa labo lomhlalaphansi, futhi banikeze umkhaya wabo ukulondeka ngokwezimali.

Kungani umpofu – i-psychology, izinsiza kanye nemikhuba

Ungafunda kanjani ngezezimali: iqoqo lezifundo ezivela ku-opexbot

Izifundo zokufunda ngezezimali ezitholakalayo zezingane, izingane zesikole, abafundi nabathathe umhlalaphansi. Ake siqale uhlelo lokufundisa ngencwadi evela kumfundi wethu ovamile.

Kusukela ebuntwaneni sifundiswa ukuphila embongolweni

Sawubona admin. Angiqale ngokuthi iningi lethu alizange lifundiswe i-financial literacy. Bafundisa izinto eziningi esikoleni, kodwa kwakungekho lutho ngokuthi ungabi yisinxibi. Kwakumayelana nokuthi wonke umuntu kufanele abe kanjani njengomuntu oyedwa: ukufunda kahle, ukuya eklabhu ye-macrame kanye nokuya ezinsukwini zokuhlanza. Wake wazibuza ukuthi kungani kukhona abantu abaningi abaphumelele esikhathini esizayo phakathi kwabafundi bakwa-C? Yebo, kusukela ebuntwaneni bakhafulela izinhlaka nezimiso. Bazifaka engozini futhi bahambe ngendlela yabo. Abazali bayala ukuthi iyiphi inyuvesi okufanele bangene kuyo nokuthi yimuphi umsebenzi okufanele bawufunde. Umama ungudokotela. Lokho kusho ukuthi nawe kufanele ungene kwezokwelapha. Futhi akunandaba ukuthi izintshisekelo zakho zilele endizeni ehlukile. Bangiphula, baqeda isifiso sami sokuzazi, futhi bantshontsha iminyaka engu-5 yokuphila kwami. Sifundiswa ukungaboni ngaso linye.

Uhlelo lokuqeqesha ngokwalo aluguquki

Ngokwesibonelo, ngokungafani nesikole sakwa-Israel, lapho umfundi ngamunye ekhetha izifundo azithandayo. Futhi sihlupheka ngenxa ye-crust engenamsebenzi iminyaka emi-5. Isibonelo, angazi ukuthi idiploma yami ikuphi. Okulandelayo – umsebenzi ongathandwayo kusukela emalini ekhokhwayo kuya emalini. Ayikho imali engenayo. Umbuthano ononya okunzima ukuwuphula: umsebenzi we-5/8, izikweletu, ukuntuleka kwamandla nemali, izikweletu, umsebenzi wokukhokha izikweletu. Umbuso usiphoqa ukuthi siboleke imali ngazo zonke izindlela. Umthwalo wezikweletu wabantu baseRussian Federation usondele ku-50%. Wonke umuntu wesibili uvaleleke.

Siphinde songa ngembongolo yethu

Ifulethi lishibhile – kukhona nakanjani ukwakhiwa ngaphandle kwefasitela. Ukuphazamiseka kwezinzwa, ukungalali ebusuku, ukungabi namandla okwenza noma yini ekuseni. Ukudla okusheshayo okushibhile – ubuthi kanye nekhemisi. Impilo elahlekile, isikhathi, imali.

Ukonga akukhona ngokukhipha izinto ezimbi kakhulu ekuphileni. Kumayelana nokuzincisha okubi kakhulu namuhla, ukuze eminyakeni emi-5 ungaziphiki okungcono kakhulu.

Shintsha imisebenzi. Funda ukuthi wawuphupha ngani useyingane. Yeka umsebenzi wakho wesibili, futhi kukhona kuze kufike ku-30% wabo e-Russian Federation, ukuze ukhulule isikhathi sokuzithuthukisa. Tshala ama-ruble angu-2k kumasheya. Ngenyanga ezayo 4k. Lawa amanani okuphakamisa. Futhi ngokuhamba kwesikhathi, kuzokwakhiwa umcamelo wezezimali. Futhi yini enganikeza ukuzethemba okwengeziwe uma kungeyona i-akhawunti eqinile ekhadini noma ku-akhawunti ye-brokerage? Ungabi nalo iholide elonakele ngezimpelasonto. Sebenzisa ngokugcwele isikhathi sakho samahhala! Ungawadeli ngamathuba oza kuwena. Wonke umuntu unazo.

Into embi kakhulu engenzeka ukuthi uhlale embongolo unomphela futhi uthumele izingane zakho endleleni efanayo yokuphila. Ukusebenzisa izilungiselelo nemithetho efanayo.

Ngizonezela ngedwa: Safundiswa ngempela ukuhlala embongolo kusukela ebuntwaneni, kodwa akudingekile ukuchitha ukuphila kwethu konke kuwo. Zifune njengenkosi, nakulabo abakuzungezile njengasezigqilini. Ngiyajabula ngokuthi ngiletha ukukhanyiselwa oqulwini. Ulwazi lwezezimali lwabantu luyancipha unyaka nonyaka, masikulungise lokhu ngenkemba yolwazi opexbota. Umphumela wenhlolovo ukuthi uzibheka njengomuntu ofundile ngokwezezimali njengephesenti lengqikithi:

Imibuzo yokufunda ngezezimali mayelana nezimo zengqondo ngemali

Izinxibi zithandazela ukuba ubumpofu bazo buqinisekiswe

Wake wazibuza yini ukuthi kungani abacebile beceba, kuyilapho abampofu bengenakukwazi ukubalekela usizi lobumpofu? Esinye sezizathu sachazwa nguRichard Thaler futhi wasibiza ngokuthi “umphumela wengcebo wokuqala.” Uma ubuthanda izindaba ezinde esikoleni, bheka incwadi ethi “Imibono Eyisisekelo Yezwe Lezezimali.” Ukuziphendukela kwemvelo”: Peter Bernstein. Kulabo abathanda ukulandisa okufushane, ngizosho ingqikithi. URichard Thaler wenze ucwaningo lokuhlola ukuntuleka kokucabanga okungaguquki kwezezimali. Umeme iqembu labafundi ukuthi licabange ukuthi ngamunye wabo uwine u-$30. Bese kuba nezinketho ezimbili: phonsa uhlamvu lwemali futhi, kuye ngokuthi luvela ngamakhanda noma umsila, thola oluningi noma unikeze u-9.00. Noma ungaphenyi nhlobo uhlamvu lwemali. U-70% wezifundo unqume ukuphonsa uhlamvu lwemali.
Ngakusasa, uThaler wanikeza abafundi lesi simo. Inhloko-dolobha yabo yokuqala inguziro, bese ukhetha okukodwa kwalokhu okulandelayo: phonsa uhlamvu lwemali bese uthola u-$39 uma luhlala emakhanda, noma u-$21 uma luhlala emisileni. Noma ungayiyeki futhi uqinisekisiwe ukuthi uzothola u-$30. Bangama-43% kuphela abafundi abavumile ukujikijela engozini, abanye bancamela ukuwina okuqinisekisiwe.
Iphuzu ukuthi umphumela UFANA .Kungakhathaliseki ukuthi uqala ngo-$30 noma kusukela ku-zero, ukuwina okungenzeka isikhathi ngasinye kuqhathaniswa nenani eliqinisekisiwe. Abafundi, nokho, bakhombisa izintandokazi ezahlukene, ngaleyo ndlela bakhombise ukuntula ukuguquguquka. UThaler ubize lokhu kungaboni ngasolinye “ngomphumela wengcebo wokuqala.” Uma unemali ephaketheni lakho, uvame ukuthatha izingozi. Uma ingenalutho, ungancamela ukuthatha u-30 USD ngesiqinisekiso, kunokudlala engcupheni yokuthola u-21 USD. Futhi lokhu akusona i-abstraction. Ezweni langempela, lo mphumela awubalulekile kangako. Futhi hhayi kuphela emkhakheni wezezimali.

Kwabampofu, ubumpofu besikhathi eside obuzinzile buseduze “kunengozi” yokuceba, kodwa futhi nethuba lokulahlekelwa ipeni. Kunesifiso esinamandla sokulondoloza kunokwanda, nakuba kunezingozi ezithile. Lokhu kuphambene nomqondo, kodwa ukwesaba akulali.

Kodwa akuzona zonke izinto ezingenathemba kangako. Ukuqwashisa ngenkinga kuyingxenye yesixazululo sayo. Uma ukubheka kahle, lokhu akuyona ngisho inkinga, kodwa isici sokucabanga. Kusuka kulezi zinhlaka zokwenziwa okumele siqhamuke kuzo.

Imigomo emihlanu yezezimali ongazibekela futhi uyifinyelele ngaphambi kweminyaka yobudala engama-40

Khulisa ukuzinza kwezezimali

Ukuze ugweme ukulahlekelwa ezikweletini futhi wenze imali yakho ikusebenzele hhayi ngenye indlela, kufanele uchithe isikhathi esithile ufunda ngezezimali.

Dala isikhwama esibekiwe/umcamelo wezezimali

Ochwepheshe abaningi bezezimali basikisela ukuthi isikhwama sakho sezimo eziphuthumayo kufanele sihlanganise okungenani izinyanga ezi-3 zezindleko zokuphila. Amadada amnyama kwesinye isikhathi andiza ngamabili.

Dala inselele futhi uzuze imiphumela

Yiba ne-1 million esikhwameni semali. Funda incwadi engu-1 ngezimali ngesonto unyaka wonke. Yeka ukubhema … Yebo, yebo, akukhona nje ngempilo, kodwa futhi mayelana nezezimali.

Thola eyakho indawo, imoto, vakashela iziqhingi ezikude, undizele ekhonsathini ye-Sting, thenga i-pug

Njengoba usuzuze inhlalakahle yezezimali, gcwalisa iphupho lakho. Chitha enye imali oyilondolozile emsebenzini noma uhweba. Yile ndlela kuphela ubuchopho obuqonda ngayo ukuthi yonke into ayilona ize. Ukutshala kabusha yonke into kumaphrojekthi amasha, amasheya, ibhizinisi kuhle. Kodwa futhi udinga ukuzithokozisa.

Yenza uhlu lwezinto ezikujabulisa ngempela

Izibalo zibonisa ukuthi akubona bonke osozigidi abajabule. Ezinye zaphela kabuhlungu kakhulu. Ungaba nayo yonke imali emhlabeni nomsebenzi ophumelelayo, kodwa ungajabuli. Imali iyithuluzi nje. Futhi wonke umuntu unohlu lwakhe lwenjabulo. Kubhale phansi bese uphuthuma kuyo.

Bakhokha kancane – unkosikazi uyagaya, umamezala uyacindezela, uyafona ebhange, ingane iyakhala

Iningi labantu baseRussia (77% labaphendulile) abanelisekile ngomsebenzi wabo wamanje ngenxa yezinga eliphansi lomholo. Hhayi ukuphatha, hhayi amathemba okukhula, kodwa imali engenayo. Ake sicabangele umsebenzi njengendondo, lapho ohlangothini ngalunye kunezindlela ezimbili zokuxazulula inkinga yeholo elincane.

Uhlangothi lokuqala: khuphula imali engenayo esebenzayo

Nazi izindlela ezilandelayo: – Ukwenyusa iholo lakho ngokukhushulwa esikhundleni, ngemisebenzi eyengeziwe, noma ngemiphumela. Indlela ngayinye idinga umsebenzi wokulungiselela. Awumane nje ukhushulelwe esikhundleni – udinga ukuthuthukisa ikhono, noma ube yisihlobo. Udinga ukwenza imisebenzi eyengeziwe uma ingakuqedi. Kodwa akubona bonke abaphathi abanesithakazelo kumphumela. – Ukufuna umsebenzi ngendlela efanayo, kodwa ngemali engenayo eyengeziwe. HeadHunter ezandleni/izikhiye.

Uhlangothi lwesibili: ukukhiqiza imali engenayo

Ngomholo wamanje futhi ngaphandle kokonga okuphelele kukho konke. Futhi kungenzeka. Udinga nje ukwenza kancane kancane ukuze ungashi futhi ushise. Ukushesha kulungele kuphela ukubamba amazeze. Ungatshali imali engaphezu kuka-15% womholo wakho osebenzayo ekutshaleni imali nasekuhwebeni. Hlanganisa iphothifoliyo yesitoko/yebhondi enobungozi obuncane. Kuyafaneleka ukuhweba ngediphozithi encane. UDave Ramsey: “Abaphumelele ngokwezimali abagijimi, bagijima ama-marathon. Abajahile. Bakwenza kancane kancane.”

Umthetho we-70/30 kwezezimali

Abacebile bachitha imali encane ezintweni zokunethezeka (uBill Gates uyisibonelo salokhu). Abantu abacebile bayaceba futhi abampofu baya ngokuya bampofu. Umuntu ocebile owina ilotho uyatshala imali; umuntu ompofu angase agcine engenalutho futhi. U-70% wempumelelo yezezimali uncike emikhubeni efanele yokusebenzisa imali futhi u-30% kuphela emikhubeni efanele yokutshala imali.Ake siqhathanise abantu ababili abatshala imali engu-$500 ngenyanga futhi bobabili bathole isamba esingalindelekile esingu-$100,000 njengefa. Eyokuqala iyaqhubeka nokutshala imali engu-$500 ngenyanga futhi ithatha i-Land Cruiser ngama- $ 100 ayizinkulungwane, kanti eyesibili ifaka ama- $ 100 ayizinkulungwane kanye nama-$500 nyanga zonke. Ngemva kweminyaka engu-30, owokuqala uzoba no-$588,000. Futhi owesibili uzoba ne-$ 1,350,000 emalini yanamuhla … umehluko we-750k ngokwemibandela yangempela ngenxa yesiko elifanele lokusetshenziswa kanye nokungaphezu kwezigidi ezingu-1 uma singakunaki ukwehla kwamandla emali!

Imibuzo yokufunda ngezezimali mayelana nesabelomali nama-airbags

Londoloza, vikela futhi wandise ezezimali zakho njengamanje

Ngathola izibalo: ngo-2023, ama-75% abantu baseRussia baqala ukonga ezindlekweni. U-13% wonga ekuphekeni, u-12% eholidini, ekudleni – 9%, izingubo, izicathulo – 9%, ama-salon ubuhle – 8%. Yini enye ongayenza ngokushesha ukuze uthole inhlalakahle yezezimali? Khetha bese wenza.

Lahla izindleko “ezincane”.

Indlu yekhofi? Uhambo lwamatekisi? Ukudla okusheshayo? Into ngayinye inenye indlela enenzuzo newusizo. Ibhayisikili liwuhlobo oluhle kakhulu lwezokuthutha. Ngokushesha, mahhala, kuhle! Bala izindleko zokuthenga noma zokuqasha isikuta/ibhayisikili. Futhi uma ngesikweletu, izokhokha malini? Akukona okusha. Ingabe uyacabanga ngalokhu? Ukubona imininingwane enjalo kuzovele kukusondeze kakhulu emigomweni yakho yezezimali.

Hlanganisa ukusetshenziswa kwemali kumakhadi

Amabhalansi adluliselwa ngokuzenzakalelayo kwidiphozi ngenzalo.

Yenza uhlu lokuthenga “ogwini”

“Faka amanani esisefo”

Ukuxhumana, i-inthanethi, okubhaliselwe okukhokhelwayo. Khubaza ukubhalisa okungadingekile kufoni yakho naku-TV.

Ungazibi izinhlelo zebhonasi nokubuyiselwa kwemali

Cishe zonke izitolo zinikeza amakhasimende izaphulelo. Ungavilaphi ukuthola ngazo.

Qala ukutshala imali esikhathini esizayo manje

Kwezemfundo, ulwazi, ukwabelana. Esikhundleni samanethiwekhi omphakathi kanye ne-TV, funda incwadi, funda ulwazi oluwusizo, vula i-akhawunti ye-brokerage, funda ikhono elisha.

Qala ukukhiqiza imali engenayo

Ungatshala kusuka kuma-ruble angu-1-5k emasheya kwamanye ” ama-chips aluhlaza ” anamandla okukhula okuhle kanye nezinzuzo.

Thola ukuthi kuyini ukudonswa kwentela, mhlawumbe unelungelo lokukuthola?

Thuthukisa ulwazi lwezezimali

Okwakho, obathandayo nezingane zakho.

Kunezindlela ezimbili zokuthuthukisa isimo sakho sezezimali: sebenzisa kancane noma uzuze okwengeziwe. Futhi kungcono nakakhulu ukuhlanganisa.

Imibuzo yokufunda ngezezimali mayelana nokutshalwa kwezimali nokonga

Ukutshalwa kwezimali kufanele kukusebenzele, hhayi ukuthi usebenzela ukutshala imali

Kungani umuntu edinga uhlelo lokutshala izimali zakhe? Njengoba ngikubona, ukuze kwakhiwe ibhalansi efanele phakathi kwesimo sezimali namuhla nasesikhathini esizayo. Futhi uhlelo lokutshalwa kwezimali ludinga ukwakhiwa ngobuhlakani futhi mathupha ukuze luvumelane nesimo sakho sengqondo. Ukuze ukhululeke wena mathupha! Izimo ezimbili ongafanele uzenze.

Amadayimane angenakubalwa emigedeni yamatshe

Ukutshala imali akukona ukuphela ngokwako, kodwa indlela yokuphila impilo ephezulu kakhulu ngesikhathi lapho ijubane lokucabanga namandla omzimba lingakuvumeli ukuba uthole imali ngokusebenzisa izindlela ezisebenzayo.

Kodwa lesi akusona isizathu sokuphila kabi okwamanje, ukuhlehlisa konke okuhle ngokuguga okunemibandela. Ukutshala imali kufanele kube okunethezeka futhi okunengqondo.

Kungenjalo kuyofana nasendabeni: “Ama-apula asevuniwe. Unkosikazi wayala ukuthi amahabhula aseqalile ukubola kufanele adliwe ukuze angamoshi. Ngenkathi ama-apula abolile edliwa, amahle aqala ukubola. Ekugcineni, badla ezibolile kuphela.” Udinga ukuhlala lapha futhi manje. Kodwa wukuphila, hhayi ukushisa ngokuhlanya.

Wayedla, ehamba futhi ejabule, kodwa akazange afake imali kuye

Kodwa ukuphila usuku olulodwa ngesikhathi kuwumsangano. Futhi sidinga ukunakekela ikusasa namuhla, kuyilapho sisenethuba. Ungaphuzi amabhodlela kabhiya ayi-10, ungadli ama-hot dog ayi-10, ungathengi i-smartphone kanokusho. Lokhu akumayelana nemikhawulo. Futhi mayelana nokutshalwa kwezimali okuhlakaniphile. Kukhona inganekwane kaKrylov ethi “I-Dragonfly and the Ant” mayelana nabasebenzisa imali nabashisi. Ngincoma ukuthi uyifunde hhayi izingane kuphela. “I-Jumping Dragonfly yacula ihlobo elibomvu; Angizange ngibe naso isikhathi sokubheka emuva njengoba ubusika bungena emehlweni ami. Insimu ehlanzekile ifile; Azisekho izinsuku ezikhanyayo, njengoba ngaphansi kweqabunga ngalinye kokubili itafula nendlu kwase kulungile. Konke sekudlulile: ngobusika obubandayo, Isidingo, indlala iyeza…”

Wonke umuntu unebhalansi yakhe

Kunabantu abathanda ukuqoqwa. Ngenxa yalokho, bangakwazi ukonga nokutshala imali kalula. Kukhona isigaba sesibili, labo abajabulela lokho abakusebenzisayo. Kunzima kubo ukonga. Bazitshala emizweni futhi ngubani onelungelo lokubasola?

Ulwazi lwezezimali luwu-20% wolwazi lwamathuluzi namasu kanye no-80% ikhono lokuziqonda wena, izifiso zakho kanye nezidingo zakho manje nasesikhathini eside.

Lapho ungatshala khona ngokuhlakanipha nangaphandle kwezinzwa enkingeni – inzalo izokutshela

Ukwehlula kanjani ukwehla kwamandla emali – isifundo esithuthuke kakhulu solwazi lwezezimali oluvela ku-opexbota. Kunzima ukwedlula ukwehla kwamandla emali, kodwa ake sizame. Noma okungenani hlukana. Yebo, ukuze kuphephe uma kuqhathaniswa. Ngakho-ke, ukwehla kwamandla emali ekupheleni kuka-2022 kwakungama-12%.

Amabhondi

10-14% isivuno. Kunezinketho lapho ubungozi buzoba ngokulinganisela. Uchaze ukuthi kungani ukutshala imali kumabhondi kungcono kunokuyisa imali ebhange. Ngeke ngiziphinde. [i-id yamagama-ncazo = “okunamathiselwe_1856″ align=”aligncenter” wide=”599″] Amapharamitha angukhiye webhondi[/caption]

” Ama-chips aluhlaza ” – amasheya we-echelon yokuqala ye-Russian Federation

Ngokuhamba kwesikhathi, izinkampani eziningi zikhula kancane kancane. Abaholi bokukhula konyaka Sber +92%; I-MTS +40%; I-NOVATEK + 25%; I-Tatneft +9%. Imininingwane eyengeziwe lapha . Futhi ama-divas amade akhokha. Kulo nyaka ama-diva akhokhile, noma azokhokha, iSberbank, iBeluga Group, i-NOVATEK nabanye. Kodwa kukhona nezibonelo eziphikisanayo: ukuwa. Ukuhlukahluka kuyadingeka. Ukwakha iphothifoliyo ngobuhlakani kuwumsebenzi onzima kumuntu oqalayo. Uma unganaso isikhathi sokukucacisa, khona-ke:

Izimali ezihlanganyelwe kanye nama-ETF – amaphothifoliyo enziwe ngomumo

Ikuvumela ukuthi utshale imali encane. Isibonelo, ngokuthenga ingxenye yesikhwama sokutshala izimali esihlangene esixhunywe ku-Index yaseMoscow Exchange, uzotshala ngokushesha kuwo wonke amasheya ezinkampani ezihamba phambili zaseRussia. Amabhonasi: ukukhetha okubanzi, ukwethembeka, ukudonswa kwentela. Inzuzo ingaba ngu-20-30% ngonyaka. Ulwazi lutholakala esidlangalaleni. [i-id yamagama-ncazo = “okunamathiselwe_12094″ align=”aligncenter” wide=”565″] Iyini isikhwama sokubambisana ngamagama alula[/caption]

Igolide

I-13.26% ibuye ngonyaka odlule. Inketho yokusebenza yokutshalwa kwezimali kwesikhathi eside. Ngokuhamba kweminyaka, intengo yensimbi eyigugu iyanda kuphela, futhi ngezikhathi zobunzima, ukukhula kuyashesha. Hhayi-ke, ukuthengisa/ukushintshanisa igolide kukusiza ukuthi usinde esimweni esibucayi.

Engingeke ngikuncome

1. Idiphozithi . 8-10% ngonyaka. Ukwehla kwamandla emali kuzowina. Okwamanje awekho amadiphozithi eRussia angadlula ukwehla kwamandla emali ngokwemibandela yamaphesenti. Futhi inkinga yamabhange ayikakakhanselwa. Ama-capsules we-Dummy angatholakala nase-Russian Federation.
2. Imali . 0% ngonyaka. Imali kumele isebenze. Ngaphansi komatilasi, ukheshi wehliswa ngenxa yokwehla kwamandla emali nsuku zonke. Futhi bangase “bagoqwe” yizingane, “abakufunayo” ezingalindelekile nezidingeka kakhulu, noma amasela. Kufanele kube khona ukheshi, kodwa njengomcamelo wezezimali ongakwazi ukuwufinyelela ngokushesha.
3. Izindlu ezithengiswayo ukuzinza. Ukutshalwa kwezimali kwezindlu kungenye yamathuluzi aphephe kakhulu atholakalayo namuhla. Kodwa hhayi nganoma iyiphi imali.

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

Ukuphepha kwezezimali ezimeni ezinzima: uhlelo olusebenzayo noluqondakalayo

1. I-Airbag . Ukuphepha akuyona imali, kodwa umndeni. Asiyithinti, kuphela ezimweni lapho singakwazi ukuyithinta.
2. Inetha yokuphepha kwezezimali . Ingxenye yemali kufanele ibe senqolobaneni ngaso sonke isikhathi ukuze ukwazi ukubuyisela ukukhishwa.
3. Amanani angehla kuphela ku-zero, kodwa futhi asuse . Sisebenzisa umcamelo ezingxenyeni ukuze singalumi izindololwane zethu lapho amasheya ewa ngesigamu, ngemva kokuba esewile kakade ngesigamu.
4. Akukho ukunyakaza okungazelelwe . Ngokuvamile wonke amadada amnyama afika ngezikhathi okungezona ezohwebo. Futhi uma ihweba, izindali zivaleka ngokushesha okukhulu. Ngakho-ke, uma utshala imali isikhathi eside, kufanele uphume kuphela esitokweni njengendlela yokugcina. Uzoqonda ukuthi nini, kodwa cishe uzokhetha ukuthenga okuningi futhi ulinganise isikhundla.
5. Kunesu elinjalo lokuthi umcamelo wezezimali ulele kumabhondi amafushane . Futhi uthenga ngaphezulu kanye njalo ezinyangeni ezi-3-6. Lokhu kwenza kube nokwenzeka ukungenzi ukunyakaza okungadingekile, noma ukungena ngemibandela engcono.
6. Ungakhohlwa ukusebenzisa isevisi yezibalo ukuze ubuke izindleko zekhomishini e-Tinkoff . Kuyasangulukisa kakhulu ngezenzo ezingadingekile. Uma kungenjalo, sebenzisa ikusasa, vala ukuhweba kwakho ebusuku futhi ulale kahle.

Ungatshala kuphi imali encane: tshala i-10,000, 20,000, 30,000 ruble

Imibuzo yokufunda ngezezimali mayelana nemalimboleko

Ngaphambi kokuthatha imalimboleko: hlola ubungozi, izinzuzo kanye namakhono akho

KUBALULEKILE! Imithetho engiyilandelayo kunoma yisiphi isimo esingacacile!

Yima ucabange ukuthi yiziphi izinyathelo ongazithatha manje ukuze ugweme ukungena enkingeni esikhathini esizayo esiseduze noma esikude futhi uthuthukise isimo sakho. Nakekela ingqondo yakho, ungaqapheli izinsiza ze-inthanethi njalo ngomzuzu. Umsindo wolwazi uvala ubuchopho kuphela futhi uphazamise ukucabanga okwanele. Ungazikhohlisi izingane zakho. Isimo sizophela, ukulimala kuzosala.

Imali egciniwe

Ikhulu lamashumi amabili nanye, izinkokhelo ezingaxhunywanga – konke kuhle. Kodwa ngeke zikusize ukuthi uthenge izimpahla usebenzisa amasekeni noma ukhokhele itekisi edolobheni ongalijwayele ebusuku lapho ikhadi lakho lingamukelwa kungazelelwe. Kodwa ungasusi konke emakhadini futhi. Ukheshi oweqile emaphaketheni akho esimweni esinjalo nakho akukuhle.

Ukunikezwa kwamanzi nokudla izinsuku ezimbalwa

Izimo zingase ziphakame lapho ungafuni ukuphuma endlini. Futhi ukulethwa kwendlu ngendlu ngeke kusebenze. Sikhipha okusanhlamvu, izimpahla ezisemathinini, nokudla okuphekiwe efrijini futhi sihlale ekhaya, siphephile.

Ithangi eligcwele likaphethiloli, ibhange lamandla elishajiwe – ithoshi – ifoni…

Uma kunezindawo lapho ungaqongelela khona amandla, kungcono ukwenza lokhu kusengaphambili. Futhi hhayi ngoba la mandla ngeke abe khona kamuva, kodwa ukuze abe khona lapho wonke umuntu ngokuzumayo eqala ukuqoqa. Yonke indawo yempilo yethu isekelwe ebhalansini. Ukungalingani okuncane kugcwala kakhulu uhlelo, imigqa nenjabulo kuyaqala, futhi akusekho okwanele kuwo wonke umuntu. Ngalesi sikhathi, uvele uhlale ekhaya futhi ubuke ukuthi kwenzekani kuze kube yilapho yonke into ibuyela kwesijwayelekile.

“I-alarm suitcase”

Kumele iqukathe: imibhalo, imali, ikhithi yosizo lokuqala, ukuphakelwa kwamanzi nokudla kwezinsuku ezintathu, ukudla kwezingane, uma kudingeka. Uma udinga ukushiya ikhaya lakho ngokushesha futhi ungabamba into eyodwa, kuzoba yini?

Indawo yokuqoqa nezingcingo

Ukukhuluma iqiniso, angikakuqondi ngokugcwele lokhu okwamanje. Kodwa ngiyazi ukuthi abazali bami nomkami bayayazi ngekhanda inombolo yami yocingo. Lapho umntwana ekhula, uzokwazi kahle ikheli, inombolo yocingo + inothi enalokhu engutsheni yakhe.

Azikho izimpahla zonyaka

Lapho ukujaha kuqala, wonke umuntu uqala ukuqoqa konke akubona emashalofini. Awukwazi ukugcina impilo yakho yonke. Ukunikezwa kuyadingeka isikhathi esiphezulu sesonto, kuze kube yilapho isimo sicaca futhi konke kubuyela esimweni esijwayelekile. Futhi kubalulekile lapho isimo sicaca, isibonelo, kuyacaca ukuthi akukho kulokhu okuwusizo. Kufanele kube nomcabango: “Kuhle ukuthi konke lokhu akusizi manje, ngeke kumosheke, ngilungile,” hhayi: “Omg! Nokho, bekudingeka ukuthenga konke lokhu endaweni ethule nokuthi konke kuzobekwa kuphi. ”

I-Funda, i-crypto nezinye izinto ezingenangqondo

Into ebaluleke kakhulu impilo nempilo yomndeni. Konke okunye kuwukudla. Hhayi-ke, kuyacaca ukuthi labo abebesebenzisa imali yakwamanye amazwe sebezolile. Uma imakethe iwe, yithenge futhi. Uma ekhula…kungani ezokhula manje? Ungathengi ama-ruble angu-120, ungabuyekezi i-akhawunti yakho ye-brokerage njalo ngomzuzu. Ukuthola isiphetho kukho konke okubhaliwe: uma isixuku sigijima endaweni ethile, khona-ke kungaba kuhle ukulindela kusengaphambili futhi sibe khona ngosuku olungaphambili. Kufana nokufika emsebenzini imizuzu eyishumi nanhlanu ngaphambi kwesiminyaminya. Yebo, lokhu kucishe kube yihora ngaphambi kwawo wonke umuntu, kodwa leli yihora lonke lokusebenza lesikhathi, esikhundleni sokuma esiminyaminyeni sezimoto futhi ushisa izinzwa nophethiloli. Zinakekele!