Izincwadi Kuhle ku ngezezimali: yokulinganisela, incazelo kanye nokubuyekeza

ukungakwazi ukufunda nokubhala lwezezimali kuyingozi kakhulu, ngoba nje awusona yokujama tsi e ubumpofu womuntu, kodwa ibulala yini ithuba lokuthuthukisa isimo esiphansi. Indoda ithatha izinqumo ezimbi kakhulu, futhi ngenxa yalokho angakwazi ukukhokhela sincipha isibalo sawo. Ukuze azenzeki, udinga ukufunda izincwadi ezingcono kakhulu kwi-ngezezimali. Kodwa musa mindlessly nje flip emakhasini, futhi bakusebenzisa kanjani lokhu ulwazi practice!

Ukuhlolwa for ngezezimali

Annamaria Lusardi Dartmouth Ikolishi Olivia Mitchell wase-University of Pennsylvania inhlolovo kuzakhamizi zamazwe 14 ukuthola kahle ukuthi abantu abavamile ukuba baqonde indlela yokwenza imali. Wabonisa ukuthi iningi labantu abafundile emkhakheni wezezimali. Kuphela eJalimane naseSwitzerland, isigamu kwezintathu yabantu okwaxoxwa wayiphendula yonke imibuzo emithathu kahle. Kodwa isimo esidabukisayo kakhulu kwaba eRussia, lapho senziwa% 4 kuphela abaphendula. Ake sicabangele le mibuzo emithathu:

1. Yimalini Kukhonani kulesi akhawunti kuyoba eminyakeni emihlanu uma ubeka idiphozi $ 100 ngo-2% ngonyaka?
2. Ukube imali yakho ivuliwe idiphozi ngaphansi 1%, kanti izinga lokwehla kwamandla emali kuleli zwe 2%, bese kususwa kubo ngemva konyaka owodwa, ungakwazi ukuthenga more, okufanayo noma esingaphansi ke namuhla?
3. Ingabe ukuthenga amasheya wenkampani ethile iholo ithembeke ngaphezu yokufuna ukwabelana yesikhwama mutual?

Uma ngikuthola kunzima ukuphendula umbuzo okungenani oyedwa, ingabe ufisa ukufunda uhlu lwethu.

Kubaluleka ngezezimali: zonke izincwadi

Cabanga isilinganiso zezincwadi ezikhuluma ngale ndaba eyaziwa Russian abathandi yokuxhumana LiveLib ukufunda:

• Bodo Schaefer "I sisendleleni eya enkululekweni wezimali." Ngale ncwadi iqala Ukukhetha kwethu amabhuku ku ngezezimali. simo Ezazimzungezile - 4,426 amaphuzu, inani wokufundwayo - abantu abangu-167, esinye 186 ukwenza kanjalo.
• Dzhordzh Kleyson "Umuntu abacebe eBhabhiloni '. Isilinganiselwa - 4.365 amaphuzu, inani wokufundwayo - e 1052 abantu usafuna ukwenza kanjalo ngo-1564.
• Dzhon Keho "enganakile angenza noma yini." Isilinganiselwa - 4.317 amaphuzu, inani wokufundwayo - abantu 1322, 1171 ngisho ufuna ukukwenza.
• Robert Kiyosaki "Rich Dad Kubi nobaba." Isilinganiselwa - 4,073 amaphuzu, inani wokufundwayo - abantu 3331 usafuna ukwenza kanjalo ngo-1564. Uma sicabangela izincwadi kunconyiwe ku ngezezimali, kuba umholi ongenambangi of uhlu lwethu ethandwa kakhulu phakathi abasebenzisi zokuxhumana LiveLib.
• Richard Branson, "Ukuze esihogweni zonke Beris, balenze." Isilinganiselwa - 4,0286 amaphuzu, inani wokufundwayo - abantu 1827 usafuna ukwenza kanjalo ngo-1305.
• Napoleon Hill "Cabanga futhi Khulisa Rich." Isilinganiselwa - 4.024 amaphuzu, inani wokufundwayo - abantu 1054, elinye 850 ukwenza kanjalo.

"Indlela Eya lwezezimali Freedom"

Ohlwini sethu, lapho siye eqoqwe izincwadi ezingcono kakhulu kwi-ngezezimali, kuba okokuqala. Naphezu kweqiniso lokuthi eshicilelwe yakhe isikhathi eside ngokwanele, akaphindanga elahlekile ngokuhlathulula ukusebenza kwawo. Liqukethe ulwazi oluningi ukuqala kanjani ibhizinisi, wenze utshalomali sokuqala, ukhokhe izikweletu futhi bachithe le nzuzo. Bodo Schaefer ukhuluma kanjani wesisebenzi isilinganiso ube Isigwili nge engenayo ezinzile. It selineminyaka edishini ezinhlanu, lithole Izibuyekezo ikakhulukazi omuhle. Funda kwazeke ukuthi ichaza izindlela ezilula, kodwa ngempumelelo kakhulu ekufezeni ukuzimela ngokwezimali.

"Umuntu abacebe eBhabhiloni '

Kokucabangela izincwadi ezingcono kakhulu kwi-ngezezimali, siye wahlela umsebenzi edume kakhulu by George Clason endaweni yesibili ngokuhambisana isilinganiso LiveLib. Lichaza izinto eziyisisekelo nokutshala izimali. Kusukela ke indoda ungafunda indlela yokwenza imali yabo siqu ukuze enze inzuzo. Umbhali ukhuluma ngesidingo imikhuba ethile nemidanti. Phakathi kwabo kukhona lokhu okulandelayo:

• Udinga ukuba abekele eceleni esinye okungenani okweshumi omholo wazo.
• Izindleko kufanele ziqashwe. Okuwukuphela kwezinto ezibaluleke ngempela, kukobana wena owabathenga.
• Kuyadingeka ukuba ngandise bengabangane bengcebo yabo. Savings akufanele amanga isisindo efile.
• Ngaphambi kokwenza noma yimuphi utshalomali, udinga ukuhlola nenzuzo yayo futhi riskiness.
• Okufezwayo ekhaya kumele kube maqondana nabo bengabhapathizwanga abanye.
• Kuyadingeka ukuze uvikele i engenayo isikhathi somhlalaphansi.
• Ikhono lokwenza futhi kufanele njalo ngcono.

"I enganakile angenza noma yini"

izincwadi Kuhle ku ngezezimali - akuyona abafundiswa indlela ukuze uthole futhi ukusabalalisa imali kuphela. Ohlwini lwethu hit kanye nomsebenzi Dzhona Keho, which busisa amandla osithekile enganakile. Kufanele siqonde ukuthi impumelelo ixhomeke 20% ithalente kanye nekhono zemvelo, futhi 80% - angacabangi. Impendulo kusuka kubasebenzisi LiveLib, le ncwadi engakwazi ngokuyinhloko vula ukuphila. Isifundisa ukuthola ikhambi esifanele kunoma isiphi isimo futhi inikeza isisusa senzo.

"Rich Dad Kubi Ubaba"

Uma senza uhlu lwezincwadi ethandwa ku ngezezimali akuyona babantu abasohlwini lwabo, futhi inani kumelwe afundeke ngokuthi, umsebenzi Kiyosaki ngabe isipikili ke. Yenzelwe ababukeli futhi unika izinto eziyisisekelo ngendlela enizosebenzisa ngayo imali, okuyinto ngasizathu simbe bamshaya yimuphi ukunakwa esikoleni. Le ncwadi likuchaza ngokuningiliziwe indlela kusuka isisebenzi abavamile bangaba zimali yimpumelelo. Ngokusho abafundi, Kiyosaki lichaza imininingwane ephathelene nendlela imicabango ezithinta ukuphila komuntu. Encwadini, akukho ngomumo eyenziwe izikimu nokunonophala. Nokho, umlobi inikeza umqondo ezithakazelisa kakhulu, angasetshenziswa ukuqonda lapho isiqondiso ukuhambisa.

"Ukuze esihogweni zonke Beris wenze"

Uma ucabangela bhuku ku ngezezimali, akunakwenzeka ukuba adonsele ukunakekela umsebenzi usomabhizinisi. Izimpendulo ezivela kubafundi, kungase abaphoqi kahle ukuziqalela amabhizinisi abo, noma okungenani ukwenza isenzo esithile. Umbhali we "Ukuze esihogweni, Beris futhi" nikwazi ukunika yisisusa esinamandla evuselelako ephila. Yena ihlolwe umqondo akhe. Manje Branson ungumnikazi izinhlobo ezahlukene ezingaphezu kuka-300 amabhizinisi.

"Cabanga futhi Khulisa Rich"

Futhi ekugcineni, zokugcina, kodwa lokho akusho ukuthi umsebenzi ungakujabulisi kakhulu futhi ezingadingekile kuhla lwethu - ke liyincwadi Napoleon Hill. Wakuzwa lokho eziningi, kodwa ukufunda lesi sabizwana abantu ngokuvamile ingafinyeleleki. Mhlawumbe yingakho eRussia Esimweni esinjalo esidabukisayo nge ngezezimali. Encwadini, Hill Baxoxa zicebi edume kunazo zonke. Ubani, uma abazange, ukufunda ngezezimali? Nokho, le ncwadi ingenye ezibaluleke kakhulu. Isifundisa indlela kwesokudla ecabanga imali. Ngokusho ukubuyekezwa, kwaba sibonga umsebenzi Hill, abaningi bakwazi ukuphuma ubumpofu futhi bazakhele, ukuqonda lokho ubuhlungu endleleni eya lokuphila okungcono zezimali.