Kwiyunivesithi yelizwe elidala kunazo zonke, iYunivesithi yaseBrown, ebhekwa njengenye yeyona ndawo ehloniphekileyo eMelika, iqhube isifundo esikhulu ngokuziphatha komntu. Injongo yalo yayikukuchonga uxhulumaniso phakathi kwemikhwa yabantu kunye nempumelelo yabo yemali. Ucwaningo lwaqhubeka iminyaka emihlanu, kwaye lwabandakanyeka kulo lwabantu abangaphezu kwezi-150 000 ezivela kwiintsapho ezingama-50, apho imali eyayifumanayo, ingayifumana ifa. Emva kokucwangcisa idatha kunye nokufunda iziphumo, abaphandi badala uluhlu lwemisebenzi eluncedo, emva koko umntu uza kuba nobutyebi kamva okanye kamva.
Imvelaphi eyongezelelweyo yengeniso
Abantu abaninzi ababutyebi banomthombo ongaphezulu kweyodwa wenzuzo. I-67% yesityebi yenziwa ngamashishini athile angenisa imali. Kwaye akusikho nje utyalo-mali. Abo bangenayo imali yamahhala yokutyalomali, bafumana imisebenzi embalwa ukuba babe nayo, kwaye banda, kuquka utyalo-mali, ukuvula ishishini labo, uqeqesho. Baqonda ukuba ixesha labo elikhululekile liyimali, kwaye bazama ukuluhlela ngendlela enjengokukhuphula zonke iitalente kunye namathuba abo. Phakathi kwabampofu, ngaba-6% kuphela abanomkhuba wokufuna imithombo eyongezelelweyo yengeniso.
Ukufunda lweencwadi zobungcali
Abantu abangama-80% abacebileyo babiza umkhwa ogunyazisiweyo wokuphumelela ngemali ukukhangela ulwazi olwenza izakhono zobugcisa. Ukufunda rhoqo uncwadi olukhethekileyo kunceda ukwandisa ubuchule bomntu, ukunyuka kwinqanaba elitsha kumsebenzi kunye nokufumana imali ehambelana nolwazi kunye nesimo esiphakeme. Abantu abazizityebi badla ngokukhawuleza ukuba banethuba elincinane lokufunda iincwadi zobugcisa, kuba iincwadi zoshishino zihlala ziphambili. Abantu abanenzuzo ephantsi, ukuba bafunde (kwaye ngu-11% kuphela), benza oko kuphela ukuzonwabisa kwaye bakhethe iincwadi ezithandwayo zobugcisa. Nangona kunjalo, kuninzi kuninzi, abayifunde nantoni na.
Uhlahlo lwabiwo-mali
Ukubalwa kweBhajethi ngumkhwa ongenammiselo we-84% wabantu abazizityebi. Bacwangcisa ngokunyanisekileyo iindleko zabo ngenyanga, ngonyaka kwaye benze konke ukuhlala kwisabelo-mali. Ukugcina iirekodi zeendleko ziyalula kwaye kukuvumela ukuba ubone umfanekiso opheleleyo we ngeniso nenkcitho. Abantu abacebileyo abaze babonakale ekupheleni kwenyanga yokuphazamiseka, apho bachitha imali. Ukuchitha imali yabo ihlala ihleliwe, kwaye kwinqanaba leendleko eziza kubakho kwangaphambili, bacinga kwakhona. Abantu abasecaleni lokuncenga, abangeze bakhe izicwangciso zemali ezifikelela kude. Kwaye kuphela i-20% yabemi abaqhelekileyo abalawula ngokufanelekileyo uhlahlo lwabiwo-mali.
Inkcitho efanelekileyo
Abantu abaninzi abaphumelele ngemali, ngokungafani nabantu abangaphumeleli, abazivumeli ukuba bachithe, abanokungenakulinganiswa nemali yabo. Ukuba zizityebi ngokwabo, abaxhamli bexesha elizayo baphoqelelwe ukuba basindise, kubandakanywa kwiimeko. Basebenzisa imali ngokukhawuleza, bebeka izinto eziphambili kwiimali. Ngokomzekelo, ukuba kukho umbuzo wokukhetha phakathi kwemoto engabizi kwaye ihloniphekile, okokuqala bayakhetha imoto engabizi ukuba bangayishiyi iimfuneko ezibalulekileyo kwaye bangangeni kwiibatyala. Indoda engenakulinganisa, kodwa inomkhuba wokuthatha izinto ezibiza ngexabiso lemali-mboleko, kwaye ngokubanzi, ihlala ebudeni, akunakwenzeka ukuba iphume.
Ukuqokelela ukonga
Izibalo zibonisa ukuba abantu abangama-93% abanomdla-mhlaba oncomekayo, bahlaziya imali rhoqo. Akunandaba nokuba kungakanani. Into ephambili kukuba yaba ngumkhwa kwaye waba ngumthwalo onyanzelekileyo. Ngaloo ndlela, badala "ukhuseleko lwezemali", kunye nenkunzi eyimali, eyabavumela ukuba bandise imali yabo kwaye babe nobutyebi. Amahlwempu ayasindisa okanye alondoloze imali, echaza ngoku kukuba ukugcinwa kwemali encinci kuya kuba yinto engabalulekanga, oko kuthetha ukuba akukho sizathu sokubakhokelela. Kukho enye ingxabano: abayi kukwazi ukuhlala ngaphandle kwale 10%, ekufuneka ihlehliselwe ukugcinwa. Nangona kunjalo, ngokweengcali, kungakhathaliseki ukuba kunjalo, kunengqiqo ukuqala ukuqokelela imali, kungakhathaliseki ukuba le nto "encane" engabonakali.
Ulawulo lwezezimali
Abantwana abakhulayo kwaye bakhuliswa kwiintsapho ezizityebi bahlala befumana ishishini lentsapho kunye namava ekwakheni. Oku kuyinto engokwemvelo, ekubeni umntwana ekuqaleni unemodeli ephumelelayo yemali yokuqhuba ishishini lentsapho. Akayidingi ukudala "ibhasikidi". Uqalile ukuveliswa nguyise okanye umkhulu wakhe. Abantu abahluphekileyo, kwaye bevela kwiintsapho ezihluphekileyo, kufuneka bakhe i-fortune yabo ngezitena. Kubo, igunya labazali kwishishini lithatha isikhundla sabanye abantu abaphumeleleyo abaphumelele kwiindawo eziphakamileyo kwishishini labo, kwaye balungele ukwabelana ngolwazi lwabo namava. Abaninzi bezityebi banamhlanje baye bavula indlela yabo yokuphumelela ngemali ngoncedo lomcebisi. Bamfumana kwisiqulana esondeleyo sazana nabo okanye baxhamle ngokukhawuleza ukuba baqhelane nomntu owaziyo ukufumana ubutyebi. Zixhamle nabantu abaphumelelayo, abanenjongo - umkhwa obalulekileyo.
Iinjongo zomhlaba
Uninzi lwabantu abazizityebi bavuma ukuba injongo enkulu yabangela impumelelo yabo. Kubomntu kwakuyixabiso elithile, kwaye omnye umntu waqala ukuzondla, kwaye akazange athembele kwiinkunzi, kodwa ngovuyo lweshishini, okwakubon 'ukuba lube yimali enkulu. Abantu abanemali ephakathi kunye nephantsi bahlala besaba ukubeka iinjongo zobungqina. Kwaye! Kubalulekile ukucacisa injongo ebalulekileyo, ukuthatha uxanduva kunye nokuqinisa ukukhuthazwa kwayo. Kwaye ukuya kubantu bakhe abaphumeleleyo bacebisa amanyathelo amancinci, oko kukuthi, aphule iphupha ngeenjongo ezincinci. Ngoko umsebenzi ubonakala uyenzeka kwaye unokwenene.
Imali engenayo
Bonke abahlaziyizigidi kunye nama-billionaire abanemali engenayo. Akunakwenzeka ukufikelela kwinqanaba elinjalo ngaphandle kokutsala imithombo, iindlela eziza ngaphandle kokuthatha inxaxheba ngokuthe ngqo kuyo. Inzuzo engaphantsi ibandakanya: iibhanki zebhanki, utyalo-mali kunye ne-trust ye-trust, i-securities, ukuqeshiswa kwe-propati okanye ipropati, ilungelo lobunikazi, imirhumo, njl njl. umnini-mvume ufumana ngonyaka malunga nezigidi ezimbini zeedola). Abantu abahluphekayo abafumani ixesha kunye nethuba lokufunda inqanaba lemali engenayo, kuba bahlala bengamahlwempu.