Ambiri amalota kudzipereka ndi gwero lazinthu linalake. Mwanjira imeneyi sungathe kutsimikizira kuti kukhalapo kotheka, koma osaperekanso ndalama zina kwa malipiro pamalopo.
Izi zitha kupatsa msika wotetezedwa, ngati muchita moyenera ndikupewa zolakwazo zomwe nthawi zambiri zimapanga sebite ya novice. Tiyeni tiyesere kuti tipeze ndalama zochepa.
Kodi mungapeze ndalama zochuluka motani?
Funso loyaka kwambiri: Kodi mungapeze ndalama zochuluka motani? Tsoka ilo, muyenera kuwononga zonunkhira. Atalemba ma ruble zana, ndizosatheka kulandira madola zana tsiku lililonse tsiku lililonse. Ndipo ichi ndi cholakwika chachikulu kwambiri kwa omwe amagulitsa novice - kuyembekezera kwambiri. Kupitilira msika wa masheya kumatha kupereka.M'dziko la zachuma, nthawi zonse komanso kulikonse komwe kuli lamulo losasinthika: zokolola zambiri, ndizowopsa. Komanso, malire omaliza ndi omveka pakati pa ndalama ndi masewera kulibe. Ndizosatheka kunena kuti izi ndizogulitsa ndalama zokhala ndi phewa, ndipo pano ndi kasino wa Frank. Chowonadi ndi chakuti ngati pali kuchuluka kwakukulu, ngati pali chiyembekezo chopanga phindu lenileni, ndiye kuti izi ndizolondola kapena masewera, kapena chinyengo, kapena zonse.M'malo mwake, pamsika wamasheya, mutha kupeza ndi kupeza ndalama 5 ndi kuphatikiza peresenti. Nthawi zina bungweli limawombera "ndikupereka zochulukirapo, kunena, mpaka 30 peresenti. Ndikwabwino kuzindikira moona mtima: pamakhala ngozi komanso mwayi. Koma chinthu chachikulu ndichakuti sanafunse "kuposa zomwezo 5%, apo ayi kwachedwa kapena koyambirira kwa ndalama zikhalabe popanda ndalama.
Kuchuluka komwe mukufuna kuyika ndalama
Mutha kuyambitsa ndalama zochepera kwathunthu. Tiyerekeze kuti sizingalole kukhala popanda kuchita bwino, koma msewu uliwonse umayamba ndi gawo loyamba. Mulimonsemo, zochitika zoyambirira ziyenera kumwedwa ndi kuchuluka komwe siowopsa.
Kuphatikiza apo, pali njira yosangalatsa yokhayokha: osasunga ndalama zambiri nthawi imodzi, zonse zomwe zimakalipobe zomwe mungatenge kuchokera kubadwa, monga ogulitsa ena njuga amatero. M'malo mwake, osamala kwambiri, nthawi iliyonse pamakhala mwayi wotere, pang'ono pang'ono kuti mubwezeretse mbiri yanu. Tinene kuti, Kupeza malipiro, kuti tiwononge katatu konse ka iwo kuti musamakhale madzulo modyeramo, koma kugula chikwama chaching'ono kwambiri cha chitetezo.Njirayi idapangitsa anthu ambiri ku Western dziko lolemera kwambiri pamapeto. Ndipo sizodabwitsa. Chilichonse chomwe chidachitika kwa zolemba kuyambira tsiku ndi tsiku ku Stock Kusinthana, kumapeto kwa chuma cha dziko kukukula, ndipo pamapeto pake, m'mapeto, magawo ambiri, magawowa amatenga ndalama zambiri. Mu mbiri yotere ya pepala yogulidwa - pamitengo yosiyanasiyana, pafupifupi zaka zambiri. Chifukwa cha izi, zimatsala pang'ono kukhala okwera mtengo kwambiri mtsogolo.
Sankhani misika
Msika woyenera pakuyesera ndalama zochepa amatha kukhala masheya, komanso tchipisi chabuluu. Ndichoncho chifukwa chiyani? Ingoyerekezani ndi zida zina.Njira zina, ndi ndi zazikulu, zitatu zokha, ndi zigawo zina za kusinthana kwa Moscow.
- Msika wa ndalama. Koma izi zili bwino kwambiri kuchuluka kwa chiwongola dzanja, kuphatikizapo mphamvu za ndale. Okha, umwini wa ndalama sizinyamula phindu lililonse: mwachitsanzo, dollar ndi dollar. Wina akagula madola, ndipo mu chaka chimodzi adawagulitsa ma ruble, ngakhale ndi kuphatikiza kwakukulu, sanagwiritse ntchitobe, sanathe kutsika kwa maphunzirowa. Ndipo kugula koyera pasanagulitse, ngati muli ndi mwayi, ndipo mawuwo adzakula - ndi masewera otchova juga kuti alankhule, osagulitsa ndalama.
- Njira ina ndi zomangira zamakampani. Zowonadi, chida chabwino komanso chofunikira, koma osati chochepa. Mwachitsanzo, ma ruble chikwi, nthawi zambiri zimakhala zofunikira kwambiri pepala limodzi, mchaka chogulitsa ndalama 50 zomwe zimapeza ndalama zonse zomwe zakhala zikulepheretsa kukwera, koma ngati sichoncho - izi ndi Ndalama paulendo umodzi wopita ku Suby!
- Zotetezedwa. Gawoli ndilokhalo. Imapangidwa kuti akatswiri azolowereke, omwe amataya ndalama kumeneko, ndipo ma cures awo amaphimba maudindo enieni. Mwambiri, izi sizabwino pamsika kwa oyamba kumene.
Gawo lokhalo lomwe limangokhalabe, msika wamasheya. Kuphatikiza apo, kusankhako ndikwabwino kuyimitsa kaye kwa chiyambi, pamadzi ambiri, zikadangokhala chifukwa choti angagulitsidwe nthawi iliyonse, ngati china chake chitha.
Zomwe zimagwira ntchito
Ndi zochepa, chinthu chofunikira kwambiri ndikupeza broker yochepera. Chifukwa akatswiri otenga nawo mbali mumisika yazitetezo kuti atenge ndalama nthawi zonse - ngakhale atakhala ndi kasitomala kapena wopondera. Commission yayikulu ingodya likulu laling'ono. Ndipo palibe ntchito zowonjezera, zokulirapo, sizofunikira, muyenera kuphunzira kuyambira pachiyambi kuti mutenge maudindo ndikuwunika ndalama.
Pali osuntha ambiri, ndipo onse amapikisana. Mwa iwo, ku Russia, monga kumadzulo, akatswiri akuyamba kukula, osuntha amawonekera. Awa akhala akutha, Aton ndi ena. Masiku ano, Tinkoff akuyesera kudziwonetsa yekha mu kagawo kakang'ono, koma ntchito yoyamba mlingo ndi 0.2%, ziribe kanthu zimene iwo akunena zikuwoneka mkulu. Nthawi zonse zimakhala zoyenera kuyang'ana ndi mtengo wathunthu. Kodi pali zolipira zina zobwezeretsa zowonjezera, mwayi wopezeka ndi chidziwitso, ndi zina zotero.
Mphindi yapadera ndi ndalama za mwezi uliwonse. Ndi ndalama zochepa, ndibwino kupewa kupewetsa zopereka kuti alipire pang'ono pamwezi. Ndikosavuta kuyang'ana, "amakoka" kapena ayi ntchito zamakasitomala a bungwe linalake. Ndikofunikira kuchotsa mtengo wa mwezi, kuchulukitsa khumi ndi awiri kuti mupeze mtengo wa ntchito yapachaka. Kenako zotsatira zake zidapezeka zimagawidwa pamtengo wa mbiri ndikuchulukitsa zana.
Mwachitsanzo, broker amafunsa ma ruble 100 okha. Tachulukitsa pa 12 ndikupeza ma ruble 1200 pachaka. Nthawi yomweyo, mbiri yoyamba ya wogwiritsa ntchitoyo ndi yofunika, nenani, zikwi 10,000. Onse okwanira 1200 adagawika mu 10,000 ndikuchulukitsa 100% ofanana ndi 12%. Kodi pali zambiri kapena zochepa? Inde, sizosatheka! Ingoganizirani kuti wofufuzayo wa chaka adapeza 5% pachaka. Awo adapereka 12% ndikusiya ndi kuwonongeka kwa 7%. Ndizosatheka, simuyenera - kulipira ndalama zowonjezera kuti mubwere kuntchito! ..Ngakhale likulu limodzi la likulu pachaka ndiokwera mtengo. Mwambiri, Commission yomwe idachitidwa ntchito yomwe idachitidwa, pokhapokha ngati pali zochitika, zikuyenera kukhalapo masiku ano ndikufunikira kukhala kwinakwake pansi pa 0,1 peresenti. Osagwirizana ndi momwe zimakhalira za broker iyi - timapita kwa wina.
Timapeza zokumana nazo
Ngati mumayika ndalama zochepa, sizingagwire ntchito zinthu zambiri. Ndalama pamsika wogulitsa masheya pitani ku ndalamazo, komabe, monga kulikonse. Koma pa ndalama zazing'onozi - mutha kuphunzira kwambiri komanso kwambiri. Ndikukula ndi mbiri yanu. Kuti mupange phindu pamsika wogulitsa, ndikofunikira kuphunzira kumvetsetsa zinthu zina.- Choyamba, kumvetsetsa za Macroeconomics. Chifukwa izi zingakhale zabwino kwambiri ngati sizinabweretsedwe kale, tengani ndikuwerenga maphunziro abwino. Ndikofunikira kwambiri kuti woulondayo amvetsetse zomwe zikuchitika ndikutha kupanga zowona zolondola. Komabe, sichoyipa kuchita munthu wina aliyense kukhala ndi moyo wabwino, osati wopereka ndalama yokha.
- Ndikofunikira kumvetsetsa malipoti omwe ali ndi ndalama zomwe amapeza ndalama. Pankhaniyi, iwo omwe ali ndi luso lazowunikira kapena kulumikizana ndi nthawi zina pasadakhale. Ena onse sangakhale ndi nthawi yochepa kwa nkhani iyi.
- Ndipo pamapeto pake, koposa zonse, ndikofunikira kukulitsa luso loganiza bwino. Chimachitika ndi chiani ngati pali china chake? Mwachitsanzo, Aronavirus adayambitsa kutsekedwa m'malirewa, zidakhudza makampani okopa alendo, ngati sanamwalire, kenako kugona. Kodi Kenako ndi Chiyani? Kugwa kwa magawo a ndege. Ndipo anthu amadyetsa kuti, timakondana ndi mafayilo ati omwe angapereke ndalama ngati simungathe kupita ku lesitilanti kapena sinema? Kodi Pizza Pizza, idzayendera malo ogulitsira pa intaneti? Gulani ndikuwonera kanema kunyumba?
Ndipo chidzachitike ndi chiyani pamsika pomwe pali mliri wochedwa kapena koyambirira? Kodi mawu obowola azolowera ndege yosewerera padziko lapansi? .. ndi zina zotero. Zonsezi ndi malingaliro ogulitsa komanso mwayi wopeza ndalama.
M'malo mwake, ndalama pamsika wogulitsa ndizosangalatsa kwambiri. Ndipo zoona, ndikofunikira kuyesa kuzichita nokha, osangofuna kugwiritsa ntchito ndalama kwa kasamalidwe ka akatswiri. Wina sakonda zotsatira zokhazokha, koma njirayo.
Kusanthula kwaukadaulo, zabwino ndi zowawa
M'misika ya zachuma, pali lingaliro lina, mawonekedwe a omwe mu mawonekedwe osavuta kwambiri akuwoneka motere: zolemba zomwe zimaganizira zonse, chifukwa chake zinthu zachilengedwe - sizingatenge Nanga konse, ndikokwanira kusanthula zithunzi, mbiri yamitengo yamitengo imasintha. Njirayi imatchedwa Kuwunika Kwaluso.
Mwa zina, kutchuka kwa kusanthula kwaukadaulo kudziko lathu kumafotokozedwa ndi kuchuluka kwa ogwira ntchito zaukadaulo - ambiri mwa akatswiri ophunzira ophunzira omwe ali pafupi ndi kusanthula kwa masamu kuposa kumvetsetsa kwamakono.
Zachidziwikire, kusanthula kwaukadaulo kuli ndi ufulu wokhala ndi moyo, ambiri amawagwiritsa ntchito, ndipo nthawi zina amakhala bwino. Makamaka, ikadzakhala chida chosankha mphindi yoyenerera kuti ilowe mu msika ndikutuluka kuchokera pamenepo.
Kulanga Zachuma
Ndipo pamapeto, mutu, womwe umangoyang'ana akatswiri onse, komabe, nthawi zambiri amakhala ndi mawu wamba. Zikhala zowopsa. Inde, ndalama zilizonse mdziko lapansi zimagwirizanitsidwa ndi zoopsa. Sitingathe kuzichotsa, koma pali ndalama zothana nawo, kuti tipewe mwachangu.- Woyamba ndi kusiyanasiyana kwa mbiri. Simungapange mbiri yonse ya chilichonse kuchokera papepala limodzi. Palibenso nzeru kugula magawo awiri omwe amapikisana nawo ndipo amaganiza kuti tinachotsa chiopsezo. Zimphona zonse zamafuta ndi mpweya umodzi zimakhala zotsika mtengo pakugwa mitengo yamagetsi, sikuli kovuta. Zachidziwikire, mukamagwiritsa ntchito ndalama zochepa, mwayiwo umakhala wocheperako.
- Chinthu chachiwiri ndichakuti wogulitsa novice sunakhale woleredwa ndi kapangidwe kamene kamayimbidwa siyimatayike, kulamula kuti abadwe oyandikira maudindo, ngati china chake chalakwika. Poyamba, ndizotheka kulimbikitsa nthawi zonse kusiya chinthu chimodzi kapena china ngati zotayika zitapangidwa, kuti, 5 peresenti.
Pomaliza, kutayika kovomerezeka kumatsimikizidwa modziyimira pawokha. Koma kamodzi. Chisankho chiyenera kuwonedwa mosamala. Iyi ndi njira yokhayo - kuti musataye chilichonse.
Tsoka ilo, omwe amagulitsa novice nthawi zambiri amatha kuwona zomwe zimachitika mobwerezabwereza: Maudindo opambana amatsekedwa nthawi yomweyo, koma osatetezeka amachitika mpaka kumapeto - mpaka ndalamazo zitamalizidwa.
Manenelo ndi malangizo omwe angagwiritse ntchito ndalama zochepa
Chifukwa chake, msika wabwino kwambiri wogwirizira ndalama zochepa, m'malingaliro athu, awa ndi magawo a makampani, "tchipisi abuluu" kudzera mu broker pa kusinthana kwa Moscow. Pofuna kuyamba kuwononga bwino, muyenera kuchita zinthu zingapo.
- Kutsegula akaunti ya ku Custorage posankha kampani yomwe imapereka ntchito yotsika mtengo popanda zolipira pamwezi.
- Tsegulani akauntiyo ndikuyamba zokambirana.
- Musakhale aulesi ndikuyamba posachedwa kuti muphunzire nkhani: Makampani azachuma komanso makampani azachuma.
Pomaliza, chinthu chomaliza koma chofunikira kwambiri ndikudzipangira tokha ndi kutsatira zachuma, sinthani mbiriyo ndikukhazikitsa zoletsa kutaya kulikonse.
Pezani zambiri mwa kugwiritsa ntchito ndalama zochepa, sizigwira ntchito nthawi yomweyo. Koma mutha kuphunzira kuyika ndalama pamsika wamasheya. Ndipo akauntiyo ndiyotheka - kubwezeretsa pang'onopang'ono. Ndipo zotero kuchita - ngakhale bwino.