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Chuma Cha Passive ndi Chiyani?
M'ndandanda wazopezekamo
Malingaliro ongopeza ndalama, omwe nthawi zambiri amatchedwa dongosolo la ndalama zomwe amapeza kapena njira zopezera ndalama, ndi njira yazachuma kapena makonzedwe omwe amalola anthu kupeza ndalama mosalekeza kapena kuchitapo kanthu mwachangu. Cholinga chachikulu cha pulani yachipukuta misozi ndi kupanga ndalama pafupipafupi popanda kufunikira ntchito yopitilira, yowawa kwambiri.
Ndalama zopanda malire zitha kupangidwa m'njira zosiyanasiyana, kuphatikiza:
Ndalama: Ndalama zitha kupezedwa kudzera m'ma stock, ma bond, real estate, kapena zida zina zachuma. Mwachitsanzo, zopindula kuchokera m'matangadza kapena ndalama zobwereka kuchokera ku malo ogulitsa nyumba zimatha kupereka ndalama zochepa.
-Zopereka: Opanga ndi akatswiri ojambula amatha kupeza ndalama zochepa kudzera muzolipira kuchokera kuzinthu zawo zamaluso, monga mabuku, nyimbo, zovomerezeka, kapena zizindikiro.
Mwini Mabizinesi: Ndalama zokhazikika zitha kupangidwa mwa kukhala ndi ndalama m'mabizinesi, kaya ngati bwenzi longokhala chete kapena kulemba ganyu ena kuti aziwongolera ntchito zatsiku ndi tsiku.
Kutsatsa Ogwirizana: Anthu ena amapeza ndalama mwachisawawa potsatsa malonda kapena ntchito kudzera m'mapulogalamu ogwirizana nawo, ndikumapeza ndalama zogulira zomwe amapeza kudzera pamalumikizidwe awo.
Zolemba pa intaneti: Opanga zinthu, monga ma YouTubers, olemba mabulogu, ndi ma podcasters, amatha kupanga ndalama zochepa kudzera muzotsatsa zotsatsa, zothandizira, komanso kutsatsa kogwirizana pomwe zomwe zili zikupitilira kukopa owonera kapena owerenga pakapita nthawi.
Ndalama Zobwereka: Kukhala ndi kubwereketsa katundu wakuthupi, monga malo kapena zida, kungapereke gwero losasinthika la ndalama.
Ndikofunikira kudziwa kuti ngakhale njira zopezera ndalama zingafunike kuchitapo kanthu pang'ono poyerekeza ndi ntchito zachikhalidwe, nthawi zambiri zimafuna kuyikapo nthawi, ndalama, kapena khama lokhazikitsa ndi kukonza. Kuonjezera apo, si njira zonse zopezera ndalama zomwe zilidi "zamanja," chifukwa zina zingafunikebe kasamalidwe ka nthawi zina kapena kuyang'anira kuti apitirize kupindula.
Kupeza Ufulu Wazachuma: Kuwona Malingaliro 10 Opanda Kupeza
Masiku ano momwe chuma chikuyendera, kufunafuna ufulu wazachuma nthawi zambiri kumayang'ana njira zosiyanasiyana zopezera ndalama, ndikuyang'ana kwambiri zopezera ndalama. Ndalama zopanda ntchito zimatanthawuza zopeza zomwe zimachokera kuzinthu zomwe zimafuna kuyesetsa pang'ono kuti zisungidwe. Njira zopezera ndalamazi sizimangopereka kukhazikika kwachuma komanso zimaperekanso kusinthika kutsata zokonda ndi zolinga zina. M'nkhani ino, tiwona malingaliro khumi amphamvu ongopeza ndalama, iliyonse ikupereka mwayi wapadera wopanga ndalama zokhazikika.
Ndalama Zogulitsa Nyumba: Kugulitsa nyumba ndi nyumba kumakhala ngati mwala wapangodya wa njira zopezera ndalama kwa anthu ambiri. Kuyika ndalama m'malo obwereketsa kumapangitsa kuti osunga ndalama azipeza ndalama zochepa polipira pamwezi. Chinsinsi chakuchita bwino pakugulitsa nyumba ndikufufuza bwino msika, luso loyang'anira katundu, komanso kumvetsetsa kayendetsedwe ka ndalama. Kuphatikiza apo, Real Estate Investment Trusts (REITs) imapereka njira yokhazikika yopangira ndalama zopangira ndalama popanda udindo woyang'anira katundu.
Magawo Olipirira Magawo ndi ETFs: Kuyika ndalama m'masheya omwe amalipira magawo ndi Exchange-Traded Funds (ETFs) ndi njira ina yotchuka yopezera ndalama. Makampani omwe amagawa zopindula nthawi zonse amapatsa ogawana nawo gawo la phindu lawo, nthawi zambiri kotala. Magawo agawidwe amakondedwa chifukwa cha kuthekera kwawo kopanga ndalama zokhazikika komanso kukula kwanthawi yayitali, zomwe zimapangitsa kukhala njira yodalirika kwa osunga ndalama omwe akufuna kupanga chuma pakapita nthawi.
High-Yield Bonds and Bond ETFs: Ma Bond ETF ndi High-yield Bond amapatsa osunga ndalama mwayi wopeza ndalama zochepa popereka chiwongola dzanja chokhazikika. Mabizinesiwa nthawi zambiri amapereka zokolola zambiri poyerekeza ndi maakaunti osungira akale kapena ma CD, zomwe zimawapangitsa kukhala okongola kwa iwo omwe amafuna kuyenda kosasunthika kwandalama ndi chiwopsezo chochepa. Ma ETF a Bond amapereka mitundu yosiyanasiyana ya ma bond, kuchepetsa chiwopsezo changongole komanso kukulitsa bata.
Pangani ndi Kugulitsa Zogulitsa Pakompyuta: M'zaka za digito, kupanga ndi kugulitsa zinthu za digito kumayimira njira yopindulitsa yopezera ndalama. Zogulitsa pakompyuta monga ma e-mabuku, maphunziro apa intaneti, ndi mapulogalamu amatha kupangidwa kamodzi ndikugulitsidwa mobwerezabwereza popanda kufunikira kwa ndalama zopangira. Zogulitsa zama digito zopambana nthawi zambiri zimathetsa mavuto enaake kapena zimathandizira misika, zomwe zimalola opanga kuti azipeza ndalama kuchokera kwa omvera padziko lonse lapansi.
Kutsatsa Ogwirizana: Kutsatsa kothandizana nawo kumathandizira anthu kupeza ndalama potsatsa malonda kapena ntchito zoperekedwa ndi makampani ena. Kupyolera mu ulalo wothandizana nawo pamasamba, mabulogu, kapena malo ochezera a pa Intaneti, otsatsa amalandila ma komisheni pazogulitsa zomwe amazitumiza. Ochita nawo malonda ogwirizana amasankha mwanzeru zinthu zogwirizana ndi zomwe omvera awo amakonda, kutengera kupezeka kwawo pa intaneti kuti ayendetse magalimoto ndi kutembenuka.
Kubwereketsa anzawo ndi anzawo: Mapulatifomu obwereketsa a Peer-to-peer (P2P) amalumikiza obwereketsa ndi obwereketsa, zomwe zimathandiza anthu kupeza ndalama zongobweza ngongole. Otsatsa amatha kusinthanitsa ma portfolio awo pobwereketsa ndalama zing'onozing'ono kwa obwereketsa angapo, kufalitsa chiwopsezo pomwe atha kubweza zokopa. Mapulatifomu obwereketsa a P2P amathandizira kuchita zinthu mowonekera komanso amapereka zida zowunikira kuti wobwereketsa akuyenera kubwereketsa, kukulitsa chidaliro chamabizinesi ndikuchepetsa ziwopsezo zosasinthika.
Pangani kanema wa YouTube kapena Podcast: Kupanga ndi kupanga ndalama kudzera pamapulatifomu ngati YouTube kapena ma podcasts kwatuluka ngati njira yotchuka yopezera ndalama. Opanga zinthu amakopa omvera kudzera m'mavidiyo kapena mawu omvera, kupanga ndalama pamayendedwe awo kudzera muzotsatsa, kuthandizira, komanso kugulitsa zinthu. Ndi kudzipereka komanso kupanga zinthu mosasinthasintha, opanga opambana amatha kupanga njira zopezera ndalama pomwe akugawana zidziwitso kapena zosangalatsa ndi omvera awo.
Akaunti Yosunga Chiwongola dzanja Chapamwamba ndi ma CD: Ngakhale akupereka zokolola zochepa poyerekeza ndi mabizinesi ena, maakaunti osungira chiwongola dzanja chambiri ndi Zikalata za Deposit (CDs) zimapereka gwero lotetezeka komanso lokhazikika la ndalama zomwe mumapeza. Zida zandalama izi ndi zabwino kwa anthu omwe amaika patsogolo kusunga ndalama komanso kubweza ndalama zawo pomwe amapeza ndalama zochepa pazosunga zawo. Maakaunti osunga chiwongola dzanja chambiri nthawi zambiri amapereka chiwongola dzanja chopikisana komanso kupeza ndalama mosavuta, zomwe zimawapangitsa kukhala oyenera kusungitsa ndalama kwakanthawi kochepa.
Pangani Bizinesi Yapaintaneti: Kupanga bizinesi yapaintaneti yomwe imagwira ntchito yokha imatha kupanga ndalama zambiri pakapita nthawi. Mabizinesi apaintaneti amaphatikiza mabizinesi osiyanasiyana, kuphatikiza malo ogulitsira e-commerce, nsanja zotsika, ndi ntchito zolembetsa. Pogwiritsa ntchito ma automation, ntchito zakunja, ndikugwiritsa ntchito njira zotsatsira, mabizinesi amatha kukulitsa mabizinesi awo pa intaneti pomwe akuchepetsa kutenga nawo mbali pantchito zatsiku ndi tsiku.
Ndalama za Intellectual Property: Ndalama zochokera kuzinthu zaluntha, monga zovomerezeka, zokopera, kapena zizindikiro zamalonda, zimapatsa opanga ndalama zochepa kuchokera ku mapangano a laisensi kapena kugulitsa zomwe adapanga. Ufulu wachindunji umapereka ufulu wokhawo wogwiritsa ntchito, kupanganso, kapena kugawa ntchito zoyambirira, zomwe zimalola opanga kuti azilandira malipiro nthawi iliyonse yomwe luso lawo lazidziwitso likagwiritsidwa ntchito kapena kugulitsa. Ndalama zomwe zimangopeza izi zimapindulitsa luso komanso luso, zomwe zimapereka phindu lazachuma lanthawi yayitali kwa eni malo aluntha.
Pomaliza, kuti tipeze ufulu wazachuma kudzera mu ndalama zomwe timapeza zimafunikira kukonzekera bwino, kufufuza mwakhama, ndi njira zosiyanasiyana zopezera ndalama. Malingaliro khumi ongopeza ndalama omwe afotokozedwa m'nkhaniyi akupereka mwayi kwa anthu omwe akufuna kukhala ndi chuma chokhazikika komanso kuchepetsa kudalira komwe amapeza. Kaya kudzera m'mabizinesi ang'onoang'ono, masheya, zinthu zama digito, kapena mabizinesi apaintaneti, njira iliyonse imakhala ndi maubwino apadera komanso kuthekera kopanga ndalama mosasinthasintha pakapita nthawi.
Potengera malingaliro opeza ndalamawa moyenera, anthu amatha kupanga njira yodziyimira pawokha pazachuma, kuwalola kutsata zomwe amakonda, kukhala ndi nthawi yochulukirapo ndi okondedwa, komanso kukhala ndi chitetezo chanthawi yayitali. Monga momwe zilili ndi njira iliyonse yopezera ndalama, ndikofunikira kuti muwonetsetse kulekerera kuopsa kwa ngozi, kufunafuna upangiri wa akatswiri pakafunika, ndikuwunika mosalekeza ndikusintha mbiri yanu kuti igwirizane ndi kusintha kwa msika. Ndi kudzipereka ndi kulimbikira, ndalama zopanda pake zimatha kukhala chida champhamvu chopangira chuma ndikukwaniritsa zolinga zachuma muchuma chamakono.
SendOutCards
SendOutCards ndi kampani yomwe imagwira ntchito popereka nsanja ndi ntchito zotumizira makhadi moni, mapositikhadi, ndi mphatso kwa abwenzi, achibale, makasitomala, ndi anzawo pabizinesi. Kampaniyi idakhazikitsidwa mu 2004 ndi Kody Bateman ndipo likulu lake lili ku Salt Lake City, Utah, USA.
SendOutCards imagwira ntchito pa pulatifomu yomwe imalola ogwiritsa ntchito kupanga ndikusintha makonda amoni makhadi ndi makadi, omwe kenako amasindikizidwa, masindandi, ndi kutumizidwa kwa olandira m'malo mwawo. Ogwiritsa ntchito amatha kusankha kuchokera kumitundu yosiyanasiyana yamakhadi, kuwonjezera mauthenga awoawo, kuyika zithunzi zawo, komanso kuphatikiza mphatso monga chokoleti kapena makhadi amphatso ndi makadi awo.
Chimodzi mwazinthu zazikulu za SendOutCards ndikugogomezera kutsatsa kwaubwenzi ndikukhalabe olumikizana ndi makasitomala, makasitomala, ndi okondedwa kudzera mwamakonda, manja owoneka ngati kutumiza makhadi. Pulatifomu nthawi zambiri imagwiritsidwa ntchito ndi mabizinesi posunga makasitomala, makampeni otsatsa, komanso kuzindikira antchito, komanso ndi anthu pazochitika zaumwini monga masiku obadwa, tchuthi, ndi zochitika zapadera.
SendOutCards imagwira ntchito motengera kulembetsa, komwe ogwiritsa ntchito amalipira magawo osiyanasiyana a umembala kuti apeze nsanja ndi mawonekedwe ake. Kampaniyo yachita bwino kulimbikitsa malingaliro otumiza makhadi ochokera pansi pamtima komanso osinthidwa makonda monga njira yomangira ndi kulimbikitsa ubale pazokonda zaumwini komanso zamabizinesi.
Ndizofunikira kudziwa kuti ntchito zamakampani ndi mawonekedwe ake zimatha kusintha pakapita nthawi, ndiye ndi bwino kuwayendera. tsamba lovomerezeka kapena funsani iwo mwachindunji kuti mudziwe zambiri zaposachedwa pa zomwe amapereka.
