Kodi maganizo a anthu amakhudza chuma? Zindikirani kugwirizana kodabwitsa pakati pa luso lanzeru ndi ufulu wazachuma!

"Ndalama ndi galasi lomwe limavumbula umbombo ndi mantha a anthu." Mawu awa akukhudza kwambiri maganizo otsutsana a akuluakulu—timafuula kuti "ndalama ndiye muzu wa zoipa zonse" pamene tikuwerengera mobwerezabwereza ndalama zomwe tili nazo kubanki usiku kwambiri.

Kodi pali kusiyana kotani pakati pa osauka ndi olemera?

Tsopano ndigwiritsa ntchito mpeni wakuthwa kwambiri kuti ndipeze malingaliro asanu omwe anthu ambiri amawaona pankhani ya ndalama. Kodi ndi umunthu wanji womwe umabisika m'chikwama chanu?

Mtundu woyamba wa anthu: othawa okha olumala

Amapewa kulankhula za ndalama ngati mliri, ndipo nthawi zambiri amatumiza uthenga wakuti “Chuma chauzimu n’chabwino kuposa kuchuluka kwa zinthu zakuthupi” kwa anzawo, koma amakankha mano mobisa pamene anzawo akukwezedwa pantchito ndi kukwezedwa. Anthu otere amabisa kusatetezeka kwawo mwa kunamizira kukhala “osalabadira kutchuka ndi chuma” ndipo sayerekeza ngakhale kutsegula mabilu awo a kirediti kadi - ngati kuti umphawi kulibe ngati sakumana ndi manambala.

Socrates anati, “Chikhutiro ndicho chimwemwe chachikulu koposa,” koma zoona zake n’zakuti renti ndi mitengo sizitsika chifukwa cha kukwera mitengo kwa zinthu. Nthaŵi ina ndinaona wolemba ndakatulo wina amene ananena kuti “sagwada ndi ndalama zoŵerengeka zasiliva” n’kupempha anthu kuti apeze ndalama zambiri chifukwa analibe ndalama zokwanira zolipirira chipatala. Chofunikira pakupewa nkhani ya ndalama ndikubisa kusowa kwa chidziwitso chazachuma ndi malingaliro onyenga apamwamba, monga momwe nthiwatiwa imakwirira mutu wake mumchenga ndikunamizira kuti chiwopsezo sichinafikepo.

Mtundu 2: Osungira olamulidwa ndi mantha

Moyo wawo wamba ndi "ndalama zambiri zomwe mumasunga, chiopsezo chocheperako", koma msika wamasheya ukatsika, amathamangira ndikunjenjemera kutsogolo kwa tchati cha K-line. Anthu amtundu uwu amawona kuchuluka kwa ndalama zawo ngati chithumwa Amakonda kuyenda makilomita atatu kuti apulumutse masenti makumi asanu, ndikusandulika kukhala mabaibulo amakono a Grandet.

Moyo wocheperako wa amonke ku Kachisi wa Tongdosa ku South Korea ndi chisankho chodziwikiratu, pomwe nkhawa ya anthu osunga ndalama imachokera ku chitetezo chosachitapo kanthu. Monga munthu womira akugwira chidebe chopulumutsira moyo, manja awo amasanduka oyera koma osatha kupumula. Monga momwe zasonyezedwera mu *The Psychology of Money*, anthu osunga ndalama mokakamiza sakusonkhanitsa chuma, koma m'malo mwake amadzaza malo opanda chitetezo mkati mwawo.

Mtundu wachitatu wa anthu: anthu ongoyerekezera amene amangoganiza zolemera msanga

Ndili ndi mapulogalamu asanu ndi atatu oyendetsera ndalama omwe adayikidwa pa foni yanga ndipo ndimakhulupirira kuti ndine wosankhidwa. Amafunitsitsa kutumiza "Zinsinsi Zopeza Yuan 100,000 pamwezi kuchokera ku Ntchito Yapambali", koma amakhala ngati alimi omwe amadikirira akalulu kuti abwere kwa iwo ndikulota m'malo mochitapo kanthu.

Ken Honda akumenya msomali pamutu mu "Ndalama Zokondwa": Anthu amtundu uwu amafananiza kudzikundikira chuma ndi kutchova njuga, koma iwalani kuti ufulu weniweni wachuma umafuna chipiriro chofanana ndi kulima bonsai. Mnyamata wobereka yemwe ndimamudziwa wakhala akuphunzira ma algorithms a lotale kwa zaka zitatu Mphotho yayikulu yomwe adapambanapo ndi "botolo lina", koma wathyola njinga zamagetsi zitatu. Tsoka la wongopeka ndi loti amagwiritsa ntchito mwanzeru kubisa ulesi.

Mtundu wachinayi wa anthu: anthu oganiza bwino omwe amawongolera chuma

Amagwirizanitsa kayendedwe ka ndalama ngati kondakitala wa symphony: 20% imayikidwa nthawi zonse ngati kufesa mbewu, 30% ya ndalama zomwe zimachokera ku ntchito zam'mbali zimagwiritsidwa ntchito kudulira nthambi, ndipo 50% ya malo osungira mwadzidzidzi ndi maukonde oteteza tizilombo. Anthu amtundu uwu amadziwa bwino nzeru za "kudzikundikira zabwino ndi kupindula zamoyo zonse" mu "Medicine Buddha Sutra" ndipo amawona kasamalidwe ka ndalama ngati masewera opititsa patsogolo chidziwitso.

Anzanga okonza mapulogalamu amadula malipiro awo ndi malingaliro ozikidwa pa code: osati chifukwa ndi otopa, koma chifukwa chakuti akufuna kulemba code pamphepete mwa nyanja ku Maldives zaka zisanu pambuyo pake. Anthu oganiza bwino amadziwa matsenga a "kuchedwetsa kukhutitsidwa", monga momwe "Antifragile" imatsikira: chitetezo chenicheni chachuma chimachokera kumayendedwe mwadongosolo, osati manambala okha.

Mtundu wachisanu wa anthu: Okonza mvula omwe amaganizira kwambiri kupanga phindu

Nthawi zambiri amati "Sindikufuna ndalama", koma amamanga malo osungiramo chuma m'munda wawo. Monga momwe Steve Jobs anali kusonkhanitsa makompyuta mu garaja yake, sanaganizirepo za kukwera ndi kugwa kwa mitengo yamtengo wapatali. Chochititsa mantha pa anthu amtundu umenewu n’chakuti pamene kulengedwa kwa zinthu zamtengo wapatali kumapanga siphon zotsatira, ndalama zimasamuka mwachisawawa ngati mbalame zosamukasamuka.

Lonjezo lalikulu la khumi ndi chiwiri la Medicine Buddha Sutra limati, "Onse akhale odzaza ndi mitundu yosiyanasiyana ya zovala zokongola." Mu kanema woyamba wa Jack Ma , maso ake anali kuwala pamene akuyang'ana pa kompyuta—umenewo unali changu cha mlengi chomwe chimaposa ndalama. Mfundo yaikulu ya wopanga mvula ndi yakuti: chuma ndi chinthu chochokera ku phindu, monga momwe Kazuo Inamori ananenera, "Kukoma mtima ndiye gwero la chuma."

Onani pa ndalama: prism momwe timawonera miyoyo yathu

Kuchuluka kwa akaunti sikutanthauza tanthauzo lalikulu la chuma;

Kusiyana pakati pa osauka ndi olemera : amene akuthawa amasonyeza mantha, amene akusunga ndalama amasonyeza kusowa, amene akuganizira molakwika amasonyeza kusakhazikika, amene ali ndi nzeru amaonetsa nzeru, ndipo amene amabweretsa mvula imatuluka ndi luso la Mulungu.

Diogenes wa ku Greece wakale, atakhala mu mbiya, analimba mtima kunena kwa Alexander Wamkulu, "Musatseke kuwala kwanga kwa dzuwa." Vuto la anthu amakono ndilokuti amalakalaka moyo waufulu ndi wosavuta wa afilosofi, koma zimawavuta kukana kuyesedwa kwa chuma, ndipo potsirizira pake amasochera m'njira zokhotakhota.

Tsopano, chonde yankhani mafunso atatu ofufuza moyo.

1. Pamene mukuyang'ana foni yanu, kodi mumathera nthawi yochulukirapo mukufufuza zomwe zikuchitika m'makampani kapena mukugula mawayilesi amoyo?
2. Kodi nkhawa yanu imachokera ku akaunti yanu, kapena chifukwa chakuti kukula kwanu sikungagwirizane ndi chidziwitso chanu?
3. Mukadakhala odziyimira pawokha pazachuma mawa, kodi mukadakondabe ntchito yanu yamakono?

Yankho likusonyeza ngati ndinu mkaidi wandalama kapena alchemist chuma.

Mfundo zazikuluzikulu:

1. Ozemba amagwiritsa ntchito kukhulupirika kwawo kuti abise kusazindikira kwawo pazachuma
2. Osungira amakhala akapolo ndi deta ya digito ndipo amataya moyo wabwino
3. Olosera amakhala m'malemba ongopeka achuma
4. Anthu oganiza bwino amatha kuwerengera chuma
5. Okonza mvula amalola ndalama kuthamangitsa mtengo

Ufulu weniweni wachuma ndi zotsatira zosapeŵeka za kuphwanya chikhalidwe cha chidziwitso. Kuyambira pano, yambitsani dongosolo lazachuma laukadaulo kapena fufuzani mozama pakupanga zinthu zamtengo wapatali - koma musakhale "wandende wandalama" omwe mumadana nawo. Chuma sichimathera, koma sikelo yokweza kuzindikira.