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Zifukwa Zapamwamba za 5 Zokutsegula Akaunti ya Banki Yamtunda

Chapter 2


malo otetezedwa kumtunda

Zifukwa zapamwamba za 5 za akaunti yakubanki yakunyanja ndi izi:

  1. Perekani chitetezo chazinthu ku milandu
  2. Perekani chuma chosiyanasiyana
  3. Mabanki amphamvu (onani m'munsimu kuti mupeze umboni)
  4. Kuchepetsa chiopsezo
  5. Mtendere wa m'maganizo

Zonsezi ndizomwe zimayambira maziko abwino a mbiri yabwino yazachuma. Palibe zatsopano pankhaniyi. KOMA, yambani kuphatikiza zinthu zofunika pazachuma chanu ndi nyengo yovomerezeka-yachimwemwe. Kenako yang'anani dziko lapansi lero. Mwakutero, 5 yayikulu chifukwa mabanki akumtsinje kutchuka kwambiri kumveka kwambiri.

"Ngati pali mawu amodzi ndikufuna kukusiyani lero, ndi izi ... Glocal." - Natalie Keener wochokera ku kanema M'mwamba mumpweya

Malingaliro a banki akumtunda

Zifukwa zapamwamba za 5 za Offshore Banking

1. Perekani Chitetezo cha Mtengo

US ili ndi 4.4% yokha yapadziko lapansi. Modabwitsa, komabe, ili ndi 80% ya owerenga dziko lapansi ndi 96% ya milandu yonse padziko lapansi. Monga mamiliyoni aku America, mumakhala pachiwopsezo chokhala ndi milandu nthawi zonse. Mwachitsanzo, mumawululidwa nthawi iliyonse mukalowa m'galimoto yanu ndikuyendetsa. Nthawi zonse mukakhala kasitomala watsopano mumatha kudzivulaza ku zolakwika za loya. Nthawi iliyonse munthu wina akamadutsa pamalonda anu, mwachilolezo chanu kapena ayi, zimayambitsa nkhondo yoyipa yamalamulo.

Kumbukirani kuti, anthu ndi omwe amalemba malamulowo. Si mphamvu yakumwamba chabe kapena yamphamvu chabe. Kumbukiraninso zomwe anthu omwe amalemba malamulowo amakhala. Ndale. Ambiri aiwo ndi maloya. Ndipo akamalemba malamulowo, mukuganiza kuti amalemba chifukwa cha iwo kapena kusiya ntchito yawo? Chifukwa chake, chomwe tiyenera kuganiza ndi ichi. Chilichonse chomwe chimasunga malamulowo pofuna kuti loya azigwira manja anu m'matumba anu, amangokhala amanyazi pagulu, ndi momwe nyumba yamalamulo yalembera malamulo. Opanga malamulo sanalembe malamulo “mwachilungamo” monga cholinga chachikulu. Malamulo ambiri amalembedwa ndi, ndi cholinga cha, mamembala azamalamulo.

Zitsanzo Kuteteza Zinthu

Mwachitsanzo

Tidali ndi kasitomala wakale yemwe anali wozunzidwa kotheratu ndi milandu ingapo. Iye anali membala wa gulu la oyang'anira kubanki. Mmodzi mwa antchito ake, m'bizinesi yake yayikulu, adalimbikitsa bankayo ​​kuti ikhale kasitomala wake. Wogwiritsa ntchito kasitomala wathu sananene kuti kasitomala wathu analiwongolera kubanki. Banki italephera pamsika wogulitsa kasitomala wake adasuma kasitomala wathu kuti achita zachinyengo.

Anamuimbira mlandu chifukwa choti antchito ake sanadziwe zabwinobwino chifukwa cha kulephera kumudziwitsa za kasitomala wathu ndi banki. Pulogalamu yake ya inshuwaransi inakana kumuteteza chifukwa mlandu wake umakhala ndi mawu oti "chinyengo." Komabe, Khothi Lalikulu ku California langotsimikizira chigamulo cha $ 2 + miliyoni motsutsana ndi kasitomala wathu. Mwamwayi kwa iye, tinayika dongosolo loteteza chuma.

Pambuyo pomenya nkhondo zaka zisanu, adasankha kuti abwere. Adangotenga mwana wawo wamkazi ku koleji monyadira ndipo adathandizira mkazi wake, mwana wamwamuna ndi amayi ake odwala. Osangokhala kuti loya yemwe anali msungichuma wa bankirapuse adamulanda chilichonse chosamangidwa. Anasumanso mkazi wake, ana ndi amayi. Adawafunsa kuti awathandizire pa zaka zinayi izi zisanachitike.

Inde, wogwira ntchito kubanki adasumira mwana wawo wamkazi chifukwa cha ndalama yomwe bambo ake adamulipira kumakalipidwe, nyumba, chakudya, ndi zina. Oyera kwathunthu. Kodi "ndikwabwino" kuti athe kusumula mwana wake wamkazi payekha pazolipira zomwe makolo ake adamulipira pamaphunziro ake? Mwina funso lolondola ndi, "Ndi zovuta zanji zomwe azamalamulo amayika manja awo m'matumba a munthu wina?" Kufunsa funsoli nthawi zambiri kumakufotokozerani momwe malamulo adalembedwera. Mwa njira, loya yemwe amagwira ntchito ngati bankirapuse wa bankirapuse adalandira gawo limodzi mwa magawo atatu a zofunkha.

Insurance

Osadalira Inshuwaransi

Zopanda zolembedwa m'malamulo amasiku ano zikufanana ndi kusindikiza kwa nyambo ndi kusinthana kwa chinyengo. Taziwona mobwerezabwereza makasitomala akaitanitsa ndi nkhani zoyipa. Maofesala amatha kuphatikiza katatu zowonongera komanso maimelo. Amatha kutero ngati angatsimikizire woweruza wa Robin Hood kuti panali zachinyengo. Zotsatira zake, nthawi zambiri amaponyera mzere kapena ziwiri pazachinyengo pamilandu, zovomerezeka kapena ayi.

Chifukwa chake, mosasamala kanthu za ntchito yanu, chitsimikiziro chimodzi ndi ichi. Konzekerani pazosatsimikizika kuti ndani adzakusumikizani mtsogolo. Tsegulani akaunti yakunyanja. Sungani akauntiyo mu chitetezo cha katundu kapena kampani. Kuphatikiza uku kungakupatseni njira yosungira ndalama zanu. Mutha kugona momveka bwino usiku mukudziwa kusinthasintha kwalamulo komwe sikungakukhudzeni.

Sinthani Chuma

2. Zosokoneza katundu

Kodi mungatani ngati wina akukuimbirani mlandu ndipo mlanduwo ungakuwatsuleni akaunti yanu yonse yakubanki yaku US? Mungagwiritse ntchito ndalama yanji kuti mudziteteze? Kodi mungalipira bwanji ngongole zanu? Tili ndi mnzake wa kampani yomwe ndi kontrakitala. Kuchokera pabulu, bungwe la boma linabwera kudzamugwira ndi antchito ake asanu ndi mmodzi. Pambuyo pake, amaponya maakaunti ake onse kubanki; zonse zaphwanya inshuwaransi ya antchito yaying'ono. Iwo sanadziwe kuti achita cholakwika chilichonse.

Adapanga mamiliyoni a madola pachaka. Komabe, sanakhale ndi mwayi wokonzekera ndalamayo kuti adzipezere ndalama. Sizikunena kuti analibe ndalama zoti agamule loya kuti amuteteze. Oweruza aku US alibe ulamuliro woika ndalama zomwe azizipanga posachedwa pandalama. Izi ndizomwe zimachitika ngati bankiyi ilibe nthambi zolingana ndi US; makamaka ngati utakhala woyang'anira kumayiko ena.

Kukhala ndi ndalama kumayiko ena kumakupatsani mphamvu yolepheretsa wina kuti akuwonongeni chifukwa cha chala chake. Itha kuthandiza kuti mdani walamulo kapena wogwira ntchito mopambanitsa asakunamizeni. Popanda chitetezo ichi, amatha kukoka pansi mwadzidzidzi pansi panu, ndikukakamizani kuti muwalamule. Zimakuthandizani kuyendetsa bwino ndipo zimakuthandizani kuti mukhale pampando woyendetsa ndalama zomwe mumapeza movutikira.

Zosankha Zogulitsa

Zosankha Zowonjezera Zachuma

Pa cholemba china, mutha kukhala kuti muli patsogolo pa ndalama. Muyenera kuti muli ngati mukuyang'ana njira zina zomwe mungagwiritsire ntchito ndalama zanu komanso njira zabwino zosungira ndalama zanu. Ndipo, kuposa momwe mungathere, mumakonda kutsatsa kanema monga: CNN, MSNBC, Fox, Bloomberg kapena YouTube. Mutha kuwawona kuti azindikira momwe chuma chikuwonekera komanso msika wamsika.

Otsogoza ndalama monga Warren Buffett, George Soros, ndi Dr. Michael Burry (Woyambitsa Scion Capital, LLC) anali ena mwa owonerera okha kulephera kwa nyumba kwa 2008 US. Akulankhulanso machenjezo okhudzana ndi kukhumudwa kwakukulu ndikugwa kwa dollar yaku US. Pakadali pano akuti ikubwera, koma sakudziwa liti.

Mutha kudziwa kale kuti Buffett ndi Soros akhala akutenga ndalama ku Banks aku America kwa zaka zingapo. Otsatsa ndalama sanaphunzire zambiri kuchokera ku umbombo ndi chinyengo chomwe amapangira anthu aku America. Komanso, aziyembekezeranso phindu lina lazachuma. Nthawi ino, zitha osati khalani pepala ndi boma la US chifukwa boma la US lingakhale ndi ndalama zokwanira kupereka.

America ndi dziko lomwe lili ndi ngongole zambiri padziko lapansi. Chiwerengero cha ngongole ndichochikulu kwambiri chomwe chinachitika ndi dziko lirilonse m'mbiri ya dziko. Ndipotu, pali mawebusaiti kumene mungathe kuyang'anitsitsa Ngongole ya US mu nthawi yeniyeni. Akatswiri amalosera kuti kuchuluka kwa ndalama komweko sikungakhale konse kubwezeretsedwanso zaka 40. Ambiri aife tiyenera kuyang'anizana ndi zenizeni zenizeni kuti tili ndi Chibwenzi cha ISDA kuti tithe kuzindikira zinsinsi za anyamata akulu. Chifukwa chake, chinthu chotsatira chabwino chomwe tonsefe tingachite ndikuteteza ndalama zawo mu akaunti yakunyanja.

mabanki amphamvu kwambiri

3. Nyimbo Zobanki Zomveka

On Ndalama ZachumaMalipoti aposachedwa kwambiri, omwe amatchedwa, "Banks Safeest Banks Padziko Lonse Lapansi," palibe mabanki odziwika ku US omwe adapanga mndandanda-palibe. Kuchokera pamabanki a 50 United States imangokhala ndi atatu pamndandanda. Mabanki atatu ang'onoang'ono olimidwa ku #50, #30 ndi #45 ndi mabanki aku US okha omwe adapanga. Pali mawu ena omwe amagwiritsidwa ntchito molumikizana ndi mabanki akuluakulu aku US pofotokoza za chiwonongeko chomwe chikubwera chomwe chanenedweratu kuti chichitike. Izi sizingafanane ndi chowonadi.

Mabanki atayamba kukhala osungidwa (osakhoza kulipira ngongole) chifukwa cha ngongole yododometsa ndipo osakhala ndi nthawi yoperekera nthawiyi kuti boma liwonetsetse ndalama, ndalama zanu muzinthu zanu zidzatayika. Yatha.

Mabanki adzagwiritsa ntchito ndalama zanu posungira ngongole yakeyokha. Monga zomwe zachitika ku Greece posachedwa, mabanki adzatseka. Pambuyo pake, simudzatha kutenga ndalama kuchokera ku ATM chifukwa sipadzakhala ndalama zotsalira. Wina anganene molakwika, "Eya bwanji nanga ngati nditayika ndalama zanga kutsidya lija zimachitika?"

Ndi komwe timabwera. Timafufuza mabanki olimba, otetezeka kwambiri padziko lonse lapansi ndipo timapereka malingaliro athu kutengera deta yawo yazachuma. Mabanki samangodumpha kuchokera pagulu la "otetezeka kwambiri padziko lonse lapansi" kuti adzafike insolvency mu nanosecond. Koma bwanji ngati munthu ali ndi ndalama zambiri kubanki osati mndandanda “wabwino kwambiri”? Nanga bwanji ngati banki ili mdziko lomwe lili ndi ngongole zambiri padziko lapansi? Tsopano, chimenecho ndicho chifukwa chodera nkhawa zenizeni.

Mitengo Yabwino Kwambiri Yaposanja ku Offshore

Zowopsa Patsogola: Valani Malo Gombe

Osewera ambiri azachuma komanso azachuma amachenjeza kuti dola ikugwa. Kugwa uku kumachitika chifukwa cha kuchuluka kwa ngongole zakuthambo, kukoka kwa mitengo yamafuta pachuma chathu komanso kukwera kwamasewera. Malinga ndi Thomas Metcalf, katswiri wa zachuma, wogulitsa nsomba komanso wolemba mabuku pa webusaiti ya Zacks, pa Intaneti, "Zomwe boma la Federal Reserve likuchita polimbana ndi kuchepa kwa ndalama ndi 2 peresenti. Pamene kutsika kwa chuma kunagwa pansi pazowunikira ndipo sanasonyeze zizindikiro zosankha, Federal Reserve ndi akatswiri ambiri azachuma anafotokoza kwambiri. Ndi mlingo wa kuchepa kwa kugwera, simungathe kuthandizira koma funsani chomwe chimachitika ngati chikugwa pansipa. Izi ndizofunikira kwambiri pa zachuma. "

Ikani ndalama zanu pamalo otetezeka, omwe sali mu banki lalikulu, ku United States osati ogulitsa nsomba ku United States, omwe nthawi zambiri amangirizidwa kumabanki a US. Gawani gawo lanu poti mudali kotetezeka, mwalamulo, akaunti yamtunda mu imodzi mwa mabanki otetezeka padziko lapansi.

achisangalalo

4. Kuchepa kwa chiwopsezo

Osayika mazira anu onse mudengu limodzi. Ngati mutero, mumakulitsa mwayi wanu wotaya ndalama ndi zomwe mukugulitsa. Chifukwa chake, ngati muli pantchito yomwe mukanamangidwa nthawi iliyonse, ndi bwino kusuntha katunduyo kumalo otetezeka komwe sangathe kulumikizidwa nanu. Ngati muli pabanja, ngati simuli pa banja ndipo muli ndi banja kapena ngati mukungoganiza zopita patsogolo, kuyika ndalama kumtunda ndi njira yanzeru kwambiri yochepetsera kusokonezeka kwa chuma chanu.

Inde, timakonda ndi kusamalira mamembala athu. Komabe, izi sizitanthauza kuti tifunika kugwiritsa ntchito cholowa chathu kulipira ngongole zathu zonse tikangolipira. Achibale omwe atsala ali ndi udindo wolipira ngongole za okondedwa omwe anamwalira ndi chuma cha womwalirayo. Kuyika ndalama zabanja muakaunti yakunyanja, yomwe kumakhala kanyumba kanyumba, kumatha kuteteza ufulu wanu wobadwa nawo kuti usafafanize wokondedwa wanu atamwalira.

Mtendere wa Maganizo

5. Mtendere wa Maganizo

Musati mupite ndi sitimayo yakumira.

Doug Casey, wolemba zachuma ndi msika wamalonda waulere anachita kufanana kwakukulu pakati pa (kugwa kwa) US ndi kugwa kwa Ufumu wa Roma. Casey anati, "Sitingathe kutaya lamulo lachiwiri la thermodynamics, lomwe limagwirizanitsa kuti entropy imagonjetsa zonse ndi kuti pakapita nthawi machitidwe onse amanyansidwa ndi kuwomba pansi. Ndipo kuti dongosolo limakhala lovuta kwambiri, zimakhala zofunikira kwambiri kuti likhalebe. Zowonjezereka ndi zovuta kwambiri, zogwirizanitsa, komanso zowonjezera, zimakhala zovuta kwambiri kuwonongeka komanso kulephera kwakukulu. Izi zikuphatikizapo mayiko ndi zitukuko. "

Kapena, tingathe kutchula gulu la nyimbo lotchuka, Magazi, Kutupa ndi Misozi, "Chimene chikukwera chiyenera kutsika."

Glocal

Global + Local = "Glocal"

Pali wojambula kanema wa 2009 George Clooney, wotchedwa M'mwamba mumpweya. M'nkhaniyi, Natalie Keener wachichepere, wokonda kuchita zachinyengo, woimbidwa ndi Anna Kendrick amatchulapo mawu oti "glocal." Akuluakulu a Anna, kuphatikiza Mr. Clooney, adabwitsidwa ndi mawuwa. Kenako Anna akufotokoza kuti "Globalcal" ndimawu atsopano omwe amagwiritsidwa ntchito pofotokoza kuphatikiza pamsika wapadziko lonse komanso wamba.

Glocal amasonyeza kuti dziko lapansi ndi laling'onoting'ono chifukwa cha teknoloji, malonda aulere ndi ntchito zonse zamalonda. Dumphani pa ngoloyo ndi kukweza mapepala anu, kapena musiye kumbuyo. Kukhala ndi malingaliro abwino mu tsiku lino ndi msinkhu sikungowonongeka-ndikofunikira. Mabanki a ku Offshore zimapereka njira zofunika kwambiri komanso zowonjezera zomwe zingakuthandizeni kukweza ndalama zanu.

Pakhala chinyengo chochuluka kwambiri, chinyengo, kubera komanso kuba m'mabungwe aku banki aku US. Zilinso chimodzimodzi kwa osewera pamsika ndi Federal Reserve. Tikukumana ndi mavuto azachuma omwe akunenedwa pamwambapa komanso 'padziko lonse lapansi.' Izi zimapangitsa kukhala mkuntho wabwino kwambiri pakugwa kwina kwachuma.

Imbani manambala kapena fomu yonse yofunsira patsamba lino kuti mupeze thandizo ndi thandizo. Chitani kafukufuku wanu. Ganizirani nokha ndikuganiza zakunja kwa bokosi - ndikuganiza zakunja. Musakhale ozunzidwa ndi Banking US. Sinthani ndikukhala ndalama zanu zina kubanki yakunyanja.


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