Le mali - ukuba nje imali na. Okanye yintoni na imali smart.

Le mali - oku mthombo nje imali, ukuba umseki iza kuphuhlisa yeprojekthi yabo. A iqabane ngayo ngunozala kwakuza kufuneka asebenze kule minyaka imbalwa izayo. Ngoko ke, ukukhetha iqabane kufuneka wasondela ngenyameko enkulu, yaye musa akakuphosi utyalo zokuqala ezimbalwa ukuba kusolula.

Ngoko ke, ukuba uzimisele ukutsala utyalo-mali. Okokuqala, makhe siqwalasele into ekufuneka uyenze ukuze ulungiselele:

1. Iphakheji kwamaxwebhu, nto leyo equka
   1. imodeli zemali
   2. intshumayelo lotyalo-mali
   3. imephu Road (wemaphu zendlela, oku kwakhona isicwangciso action)
   4. Ukuqonda ukuba imali iza kusetyenziswa kumagumbi
   5. nentembelo engagungqiyo amakhono abo
   6. iqela elungileyo
   7. Ukuqonda qhinga exit-mali

Le ebekiweyo kuya kuba ngokwaneleyo ukuze bafaneleke ukunxibelelana uninzi zezulu zoshishino kunye nemali zotyalo-mali. Ukuze wenze oku, kuqala kufuneka sibe nenkxalabo malunga izibane zikawonke iprojekthi yakho. Papasha umbono kunye nenkcazelo iprojekthi nezinyuko karhulumente afana "project Zvorykinsky", "Innovation Space", "RUSBASE", "CrunchBase" yaye "StartupPoint". Ukuba ungafumana i iimpapasho ezimbalwa kumajelo eendaba, kakhulu, ukuba wenze oko. Kwaye zonke ezi zinto kufuneka phambili kumntu owaqalisa ukujonga ulwazi malunga neprojekthi lwakho wabona ukuba le projekthi luye lasekwa nje kuphela ukuba unalo imbali. Umzekelo, kwi "Innovation Space" ungafumana kwaye ingxelo yeprojekthi yakho, bekuya kuba bonus yongezwe kubatyali-mali.

Kodwa eli nqaku akukho malunga nendlela yokutsala utyalo-mali, liza ukukhetha indlela mali ekunene, nto leyo eya kuba luncedo ngenene le projekthi.

Cinga ngemeko apho iprojekthi ilungile ngenene kwaye une elikulu. Kulo mzekelo, izindululo iya kuba phezu ukuba Ndimthulule eluhlaza. Oku kuyinyaniso, ngoko nceda babhale nje entlokweni yam yokucinga-sicelo. Ukuba iprojekthi yakho ngokwenene mali elungileyo, imali akayi ukukugcina ulindile. Ngapha koko, umtyali-mali ayikho ngaphantsi kwe umdla wakho ukwenza imali. Nokutyala imali kwiprojekti ezifana nezakho, nto leyo eza kwandisa phindene phezu embalwa elandelayo kwiminyaka nokubonelela ekhulwini ikhulu yenzuzo - ukuba loo ithuba elikhulu yokuthenga indlu Hawaii.

Ngoko ke, ukuba izindululo isiqingatha elinesibini-mali evela ezahlukeneyo abatyali-mali. Zeziphi izinto ekugqibeni ukuba sithembele?

1) Stock Ubungakanani

Fund Investment Good unalo icebo. Ngenxa ngokubanzi, nayiphi na inkampani leyo uza ukwenza isicwangciso ngendlela oya kukwenza nokukwenza oko. ubukhulu Esi sicwangciso idla ebhaliweyo utyalo-mali iya kwenza, apho iimarike, njl Ingaba unomdla yonke imiba yesicwangciso-mali lowo.

Okokuqala, ubukhulu yotyalo-mali. Kukho abatyali zimali zityalwe kwiiprojekthi ukusuka kwizigidi omnye kuphela zeerandi. Kukho abo aqalile ukuthetha kuphela xa ucele million ezilishumi. Kwaye kukho ke kancinane ukudlisa kakuhle kakhulu isixa ezingamakhulu amabini namashumi amathathu amawaka eerandi. Kuqala kwinto zonke, la manani ngenxa ubungakanani-mali ngokwalo ngoko ke luyanceda, apho kufuneka aqinisekise. Ngenxa yokuba izibonelelo zolawulo lwe-mali mali kwakhona kangako, kwaye kulula kwaye zithembeke kakhulu ukuba silawule udederhu kwiiprojekthi ezingamashumi amabini kwi-kwezigidi ezilishumi nganye kwe angamakhulu amabini kwesigidi. Ukongeza, ukuba iprojekthi ubuza ethile imali, ngoko ke ukuba akayi ukukhula enkulu ukuze iinzuzo evela kutyalo ingabangeli umdla abantu utyalo-mali (ewe, imali kufuneka abatyali zabo).

2) le yabucala

Into yesibini kwesi sicwangciso, njengokuba sele kukhankanyiwe ngasentla imarike apho Fund isebenza. Ngokuba ekuqaleni, iimarike ngokweendawo. Ngenxa usenokuba nengxabano enkulu-mali, ukuba ufuna ukuthengisa oomatshini zakho eTshayina, yaye ulinde wena uya kuqala ukunikezelwa e North America. Nangona kunjalo, ezi Umahluko solvable, ukuba uyakwazi ukuchaza ngokucacileyo kubatyali ukuba izinto e China, uya imali engakumbi kuye.

A kubaluleke kakhulu ngakumbi into kuwe, yaye ngokubanzi, eyona nto ibalulekileyo xa ukhetha ngumtyali, kuba urhwebo noshishino esebenza kuwo. Ngenxa yokuba zonke zokuqala sverhuspeshnyh wenza usebenzisa iingenelo ubulungisa, amalungelo akulunganga ukuba babe abasunguli projekthi. Amaninzi, ezi zibonelelo nazo ezuzwe yi abasunguli. Kwaye ke umtyali ushishino olomeleleyo ngubani zonke imarike yenye yeendidi benefits. Masithi senza ubuchwepheshe izityalo unyango amanzi amdaka, yaye yomtyali yakho iqala fund wesibini emarikeni ubugcisa eluhlaza. Ingaba kuphela xa intlanganiso kunye nenani abenzi, ngubani na ukuba abathengi bakho iminxeba ezimbalwa. Yaye unokuqiniseka ukuba uya kuyenza loo nto, kuba unomdla kulo kwimpumelelo yale projekthi kangangoko ubukhe ufake imali yakho kuwo.

Ngoko ke xa kujongwa uqwalaselo utyalo-mali, nokuba limnandi kakhulu ekuqaleni ocinga ukuba iya kuzisa iingenelo akulunganga ukuba umtyali-mali kule projekthi. Ngaphandle kwabo, unako nje ukudla yonke imali kwenza nto, yaye nje omnye umfowunelwa ofunekayo, abatyali unako ukuqinisekisa impumelelo yeprojekthi kunye nempumelelo.

3) Amava

Ukongeza agciniweyo kubalulekile kwaye amava wotyalo-mali. Ngenxa yokuba investment - kuba akukho ngaphantsi nzima, kwaye apho kanye into nzima ngaphezu ishishini. abatyali abanamava baye babona ngaphezu iprojekti efana neyakho yaye uyazi ukuba kanye oko kwakukhangeleka ekuqaleni yaye oko wakwenzayo ukuze baphumelele. Ngelo xesha njengoko umntu zange kwafuneka lijongane-mali banokoyika xa kukho into engahambi kakuhle, ngebhaqo zifuna ukwenziwa ndiwatshabalalise projekthi. Wemali, lelinye iqabane lweshishini lakho, ukuze ube uya Vumela elide kwaye idla ukunxibelelana naye. Nkqu wayevumelana lobuqu banal idlala indima apha.

4) Iinkampani Ukuhlolwa

Inyanga kwecacileyo, phakathi kwezinye izinto, kuba oko luboniswe amanani. Enjani projekthi ifuna iqhezu-mali ukuze imali yabo? Ukongeza inzuzo banal okanye kwintswelo zibe ungafumana ezi zindululo njengolwazi ethembisayo ukubona iprojekthi yakho okanye ukuba umtyali abafanelekileyo. Mhlawumbi kufuneka siqonde ukuba kutheni oku yaye kuya kubachaphazela njani umsebenzi elizayo.

5) qhinga kunye abasunguli

Abaseki Ubudlelwane kunye nabatyali-mali, lo mxholo ayikho enye inoveli engqondweni. Kwaye Zininzi izinto ezixabisa ukuthethana ngakumbi "elunxwemeni" kunye nokubethelela amaxwebhu abo. Umzekelo, indlela apho mali zinokuphazamisana umsebenzi yokusebenza ye nkampani? Ngaba anciphise ngobuchule kwezigqibo ezilungileyo abasunguli? Njani kuwe enye eyamkelekileyo buqu okanye omnye, ngesidanga uphazamiseko kwimicimbi nkampani kufika kuwe loo mali.