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Buza imibuzo mayelana nebhange lase-offshore, ukwakheka kwenkampani, ukuvikelwa kwempahla nezihloko ezihlobene.

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Izizathu ezinhle ze-5 zokuvula i-Akhawunti yebhange lase-Offshore

Isahluko 2


ukuvikelwa kwamafa ase-offshore

Izizathu eziphezulu ze-5 ze-akhawunti yasebhange lolwandle ziyalandela:

  1. Nikeza ukuvikelwa kwempahla kumacala okusolwa
  2. Nikeza ukwehluka kwempahla
  3. Amabhange anamandla (bheka ngezansi ukuze uthole ubufakazi)
  4. Nciphisa ubungozi
  5. Ukuba nokuthula

Zonke lezi zizathu ziyizisekelo eziyisisekelo zephothifoliyo enempilo yezimali. Akukho okusha ngalolu lwazi. KODWA, qala ukubhanqa izinto eziyisisekelo zezimali zakho siqu nesimo sezulu esijabulisayo-sezulu. Bese ubheka isimo sezwe namuhla. Kulokho kukhanya, i-5 izizathu ezinkulu zokuthi kungani amabhange ase-offshore ukuthandwa kuzokwenza umqondo omkhulu.

"Uma kukhona igama elilodwa ngifuna ukukushiya namhlanje, yilokhu ... Glocal." - UNatalie Keener ovela ku-movie Up in the Air

amathiphu asebhange angaphandle

Izizathu eziphezulu ze-5 zebhange lase-Offshore

I-1. Nikeza Ukuvikelwa Kwempahla

I-US ine-4.4% kuphela yabantu bomhlaba. Ngokuthusayo, nokho, ine-80% yabameli bomhlaba kanye ne-96% yabo bonke abomthetho emhlabeni. Njengezigidi zabantu baseMelika, ubhekene nengozi yokuba semthethweni nsuku zonke. Isibonelo, udalulwa isikhathi ngasinye ungena emotweni yakho ushayela. Njalo lapho uthatha ikhasimende elisha uzibeka ethubeni lokugwemeka kwabameli. Njalo lapho umuntu ehamba ngaphesheya kwempahla yakho, ngemvume yakho noma cha, kungaqala impi embi yezomthetho.

Khumbula, abantu yibo ababhala imithetho. Akuwona amandla athile alungile futhi amane nje esibhakabhakeni. Zikhumbuze nomsebenzi owenziwa yilabo ababhala imithetho. Osopolitiki. Iningi labo lingabameli. Futhi uma bebhala imithetho, ucabanga ukuthi bayibhalela ukuze bazuze noma baphikise inzuzo yabo? Ngakho-ke, okufanele sikucabange lokhu. Noma ngabe yini eqinisa imithetho evumela ukuthi ummeli abeke izandla zakhe emaphaketheni akho, unamahloni nje ngokuzwela umphakathi, yindlela isishayamthetho esiyibhale ngayo imithetho. Abenzi bomthetho abaze babhale le mithetho “njengobulungisa” njengenhloso eyinhloko. Imithetho eminingi ngokuyinhloko ibhalwe, futhi kusizakale, amalungu omsebenzi wezomthetho.

Isibonelo Sokuvikelwa Kwefa

Isibonelo

Sasineklayenti elalicebile ngaphambili elalishaywe nguchungechunge lwamacala. Wayekade Ilungu lebhodi labaqondisi ebhange. Omunye wabasebenzi bakhe, ebhizinisini lakhe elikhulu, watusa ibhange lelo kwikhasimende lakhe. Umsebenzi weklayenti lethu akazange asho ukuthi iklayenti lethu lalingumqondisi webhange. Lapho ibhange lihluleka kuleyo ndawo ethengiswayo, ikhasimende lakhe lalimangalela ikhasimende lethu ngenkohliso.

Bambeka icala ngoba wehluleka ukuqaphela umsebenzi wakhe ngokungamazisi isikhundla sakhe sebhange. Umgomo wakhe womshuwalense wenqabile ukumvikela ngoba icala lalihlanganisa negama elithi “inkohliso.” Ibhange alizange limkhokhele lutho ngesikhundla sakhe. Kodwa-ke, iNkantolo eNkulu yaseCalifornia isanda kuqinisekisa isahlulelo esiyizigidi ezingama- $ 2 + ngokumelene nekhasimende lethu. Ngenhlanhla kuye, sibeka uhlelo lokuvikela impahla.

Ngemuva kweminyaka emihlanu yokulwa, wakhetha ukuqothuka. Ubesanda kuqhosha ngokuqasha indodakazi yakhe ekolishi futhi wayeseke unkosikazi wakhe, indodana kanye nonina ogulayo. Akugcinanga lapho ukuthi ummeli okhonza njengomphathimafa wokuqothuka wamhlwitha yonke into eboshwe phansi. Uphinde wamangalela umkakhe, izingane nonina. Wabamangaza nganoma yikuphi ukwesekwa ababekuthole kuye eminyakeni emine eyedlule.

Yebo, umphathi owayesebenza ebhange wamangalela indodana yakhe imali eyayikhokhelwa nguyise ekolishi, izindlu, ukudla, njll. Yathukuthela. Icacile ngokuphelele. Kulihle “ukuthi” lingamangalela indodakazi yakhe uqobo ngemali elikhokhelwe ngabazali bakhe kwimfundo yakhe? Mhlawumbe umbuzo ofanele, uthi, “Kuthini ukukhathazeka ukuthi abameli babeka izandla zabo emaphaketheni kothile?” Ukubuza lowo mbuzo kuvame ukukutshela ngendlela umthetho owabhalwa ngayo. O, ngendlela, ummeli osebenza njengomphathi wokuqothuka uthole ingxenye eyodwa kwezintathu yezimpango.

Insurance

Musa Ukuthembela Kumshuwalense

Ukukhishwa okubhalwe ezinqubomgomo zanamuhla kufana nokuphrinta okuhle kwekhithiyithi bese kushintshwa umkhonyovu. Siyibonile kaninginingi lapho amaklayenti abiza ngezindaba ezimbi. Amagqwetha angavame ukuqoqa kathathu umonakalo kanye nezimali zabameli. Lokhu bangakwenza uma bengakhombisa ijaji lakwaRobin Hood ukuthi bekukhona ukukhwabanisa. Njengomphumela, bavame ukuphonsa emgqeni noma emibili mayelana nokukhwabanisa ecaleni, kusemthethweni noma cha.

Ngakho-ke, akunandaba nomsebenzi wakho, isiqinisekiso esisodwa yile. Hlela ngokungaqiniseki ukuthi kuzofika kubani ozomangalela ngokulandelayo. Vula i-akhawunti engaphesheya. Bamba i-akhawunti ethembeni lokuvikela impahla noma inkampani. Le nhlanganisela ingakunika indlela yokugcina imali yakho. Ungalala kahle ebusuku wazi ukuthi isimo sezomthetho esididayo ngeke kukuthinte.

Hlukanisa amafa

I-2. I-Diversification yefa

Kuthiwani uma umuntu ekumangalela futhi icala licala ngokushesha onke ama-akhawunti akho asebhange lase-US? Yiphi imali ongayisebenzisa ukuzivikela? Ungazikhokha kanjani izikweletu zakho? Sinomngane wale nkampani osonkontileka. Ngaphandle kokuluhlaza okwesibhakabhaka, i-ejensi yombuso yafika yambopha yena nabasebenzi bakhe abayisithupha. Ngemuva kwalokho, bakhipha wonke ama-akhawunti akhe asebhange; konke okwephulwa komshuwalense wabasebenzi abancane. Bona ngokoqobo bebengazi ukuthi kukhona ababonile.

Wenza izigidi zamaRandi ngonyaka. Kodwa-ke, akazange akwazi ngisho nokuthola ithuba lokuthola imali yokufaka ibheyili. Kuyavela ukuthi wayengenazo ngisho izinsizakusebenza zokuqasha abameli ukuthi bamvikele. Amajaji aseMelika awanalo igunya lokufaka izibopho ngokushesha emalini kuma-akhawunti akwamanye amazwe. Lokhu kunjalo ikakhulukazi uma ibhange lingenamagatsha ahambisanayo ase-US; ngaphezulu uma kubanjelwe ethembeni elifanele lolwandle.

Ukuba nemali ngaphesheya kunikeza amandla okuvikela umuntu ekuphambaniseni ngokucindezela kwesithupha. Kungasiza ukuvikela isitha esingokomthetho noma isikhulu esinehaba ngokukuqamba amanga. Ngaphandle kwalokhu kuvikela, bangakhipha umugqa phansi kwakho, bekuphoqe ukuthi uwe. Kukubeka ngaphansi kolawulo futhi kukusiza ukuba uhlale esihlalweni somshayeli wemali yakho oyisebenzele kanzima.

Izinketho Zotshalomali

Izinketho ezingeziwe Zotshalomali

Kwelinye inothi, ungahle ube ngaphambi kwejika lezimali. Kungenzeka ube uma ufuna ezinye izindlela zokutshala imali nezindlela ezingcono zokuphatha imali yakho. Futhi, ngokunokwenzeka, uvame iziteshi zezindaba ezifana nalezi: CNN, MSNBC, Fox, Bloomberg noma i-YouTube. Ungahle ubabuke ukuze bahambisane nemikhuba yezomnotho kanye nesimo semakethe yesitoko.

Abadlali abakhulu bezezimali ezifana noWarren Buffett, uGeorge Soros, noDkt Michael Burry (Umsunguli weScion Capital, LLC) bebengabikezeli abambalwa bokwehluleka kwezindlu e-2008 US. Kade bezwakalisa izexwayiso ngokudangala okukhulu okulandelayo nokuwohloka kwedola laseMelika. Okwamanje bathi uyeza, kepha abazi ukuthi nini.

Kungenzeka ukuthi usuvele wazi ukuthi uBuffett noSoros bebelokhu bekhipha imali ezinkampanini zaseMelika iminyaka ethile. Amabhange okutshalwa kwezimali awafundanga okuningi kubugovu nokukhwabanisa abakwenzile kubantu baseMelika. Ngaphezu kwalokho, bazolindela enye futhi imali eyisikhonzi. Okwamanje, kungahle kube khona hhayi ube ibheyili nguhulumeni wase-US ngoba uhulumeni wase-US angaba nemali eyanele ongayinikeza.

I-America yizwe elinesikweletu esikhulu emhlabeni. Inani lesikweleti liphezulu kunazo zonke ezake zanqwabelana nanoma yiliphi izwe emlandweni wezwe. Empeleni, kukhona amawebhusayithi lapho ungayilandela khona Isikweletu se-US ngesikhathi sangempela. Ochwepheshe babikezela ukuthi lelo nani lemali alikwazi ukukhokha futhi emuva kweminyaka ye-40. Iningi lethu kufanele libhekane namaqiniso angasho lutho wokuthi sintula Isivumelwano Sokuhweba se-ISDA ukuze sikwazi ukuzazisa izimfihlo zika abafana abakhulu. Ngakho-ke, into elandelayo enhle kunazo zonke abanye esingayenza ukuvikela imali yabo ku i-akhawunti yasolwandle.

amabhange asezindaweni eziqine kakhulu

I-3. Systems Sound Banking Systems

On Izezimali Zomhlaba WonkeUmbiko wakamuva kakhulu, obizwa ngokuthi, "Amabhange Aphephile E-50 World," awekho amabhange aqukethe amagama amakhulu ase-US enza ngisho nalolu hlu — hhayi eyodwa. Kumabhange we-50 i-United States inabathathu kuphela ohlwini. Amabhange amathathu amancane asekelwe ezolimo akwe- #30, #45 nase- #50 ukuphela kwamabhange ase-US akwenze lokho. Kukhona isisho esithile esisetshenziswa ngokubambisana namabhange amakhulu aseMelika ukuchaza isahlulelo esizayo ukuthi kubhekeke senzeke: Kukhulu kakhulu ukwahluleka. Lokhu akunakuba kude neqiniso.

Uma amabhange eqala ukuba ukungabikho (akakwazi ukukhokha izikweleti) ngenxa yesikweletu esihle kakhulu futhi engenakho indawo yokuvula lesi sikhwama sokuxhaswa kukahulumeni, imali ekutshalweni kwakho kuyolahleka. Kuphelile.

Amabhange azosebenzisa imali oyongile ukukhokha isikweletu sayo. Njengalokho okusanda kwenzeka eGreece, amabhange azovalwa. Ngemuva kwalokho, ngeke ukwazi ukuthatha imali kwi-ATM ngoba ngeke ibe nayo imali esele. Umuntu angasho ngephutha athi, "Yebo, kodwa-ke, uma ngifaka imali yami ngapha, bese kwenzeka into efanayo?"

Yilapho singena khona. Sicwaninga ngamabhange aqine kakhulu, aphephe kakhulu emhlabeni futhi senze izincomo eziningi ngokususela kwimininingwane yazo yezomnotho. Amabhange akavele nje aqhamuke ohlwini "oluphephe kunazo zonke emhlabeni" ukuya ekutholekeni ku-nanosecond. Kepha kuthiwani uma umuntu ephethe imali enkulu ebhange hhayi ohlwini “oluphephe kakhulu”? Manje-ke uma ibhange lisesezweni ezikweletini kakhulu emhlabeni? Manje, lokho kuyisizathu sokukhathazeka kwangempela.

Izihlahla zePalms zase-Offshore ezihamba phambili

Ubungozi Obusazokwenzeka: Thatha ikhava Ugu olwandle

Abadlali abaningi bezimali ezinkulu nezazi zezomnotho baxwayisa ngokuwohloka kwedola. Lokhu kwehla kungenxa yenani lezinkanyezi lezinkanyezi, ukudonswa kwamanani kawoyela emnothweni wethu kanye namazinga okunyuka kwamanani. Ngokuvumelana ne UThomas Metcalf, ukomnotho, umthengisi wempahla kanye nomlobi onomthelela we-website yezezimali ku-Zacks, "I-Federal Reserve's target target for inflation yizingxenye ze-2. Lapho ukwehla kwamandla emali kwehla kwehlelwa ngaphansi kwesibalo sawo futhi kungabonakali izimpawu zokuqoqa, i-Federal Reserve kanye nezomnotho abaningi babonisa ukukhathazeka okukhulu. Ngokulinganiselwa kwe-inflation iyawa, awukwazi ukusiza kuphela kodwa ubuze ukuthi kwenzekani uma iwela phansi ngezansi. Lokho kungukukhathazeka kwezomnotho. "

Beka imali yakho endaweni ephephile, engekho ebhange elikhulu lase-US, hhayi umthengisi wesitoko sase-US, evame ukuboshwa eduze namabhange ase-US. Hlukanisa ingxenye yokutshalwa kwemali kwakho ephephile, esemthethweni, akhawunti yase-offshore kwelinye lamabhange aphephe kakhulu emhlabeni.

Indawo yokulala

I-4. Kuncishisiwe Ukulimazeka

Ungalokothi ufake onke amaqanda akho kubhasikidi owodwa. Uma wenza njalo, ukhulisa kakhulu amathuba akho okulahlekelwa yimali yakho nokutshalwa kwemali. Ngakho-ke, uma usemsebenzini lapho ungaboshwa khona nganoma yisiphi isikhathi, kuwumqondo omuhle ukuhambisa ezinye izimpahla endaweni ephephile lapho zingaxhunyiwe kuwe. Uma ushadile, uma ungashadile futhi unomndeni noma nje ungumcabangi othuthukile, ukubeka imali kude nolwandle kuyindlela ehlakaniphile kakhulu yokunciphisa ubungozi bakho bezezimali.

Ngempela, siyawathanda futhi siyawanakekela amalungu emindeni yethu. Kodwa-ke, lokho akusho ukuthi kudingeka sisebenzise amafa ethu ukukhokha zonke izikweletu zawo uma sezidlulile. Amalungu omndeni asele anesibopho sokukhokhela izikweletu zikamufi wezithandani zakhe nezimpahla zikamufi. Ukwabela imali yomndeni ku-akhawunti esekhishini, ephethwe yi-offshore trust, kungavikela ilungelo lakho lobuzibulo ukuthi licishwe ngemuva kokushona kothandekayo.

Ukuba nokuthula

I-5. Ukuba nokuthula

Ungabuyi umkhumbi odilikayo.

U-Doug Casey, umbhali wezezimali kanye nomnotho wezomnotho wamahhala wenza ukufana okuphawulekayo phakathi kokuwa kwe-US kanye nokuwa koMbuso WaseRoma. Casey wathi, "Asikwazi ukugwema umthetho wesibili we-thermodynamics, ogcina ukuthi i-entropy inqoba yonke into nokuthi ngokuhamba kwesikhathi zonke izinhlelo zihlaziya futhi zishaye phansi. Futhi ukuthi uhlelo oluyinkimbinkimbi luba lukhuni, amandla amaningi kuthatha ukulondoloza. Ukukhudlwana nokukhudlwana, okuxhunyanisiwe, nokuxhasana, kuba lula ukuhluleka nokuhluleka okukhulu. Lokho kuhlanganisa amazwe nemiphakathi. "

Noma, singakwazi ukucaphuna iqembu elidumile lomculo, igazi, ukuthumba kanye nezinyembezi, "Okukhuphukayo kufanele kwehle."

IGlocal

I-Global + Local = "Glocal"

Kunomdlalo bhanyabhanya we-2009 uGeorge Clooney, onesihloko esithi Up in the Air. Kuyo, umhlaseli osemncane, ofisa ukugqama, uNatalie Keener, odlalwa ngu-Anna Kendrick ukhuluma ngegama elithi “glocal.” Abadala baka-Ana, kubandakanya noMnu Clooney, bayamangala ngaleli gama. U-Ana ube esechaza ukuthi i-"glocal" igama elisha elisetshenziselwa ukuchaza ukuhlangana kwendawo yemakethe yomhlaba neyasekhaya.

U-Glocal ubonisa ukuthi umhlaba uncane ngenxa yobuchwepheshe, ukuhweba mahhala kanye ne-acumen yebhizinisi jikelele. Noma gxumela enqoleni bese ukwandisa ama-horizons akho, noma ushiye ngakwesokunxele. Ukuba nomqondo wezintandokazi ngalolu suku nosuku akusekho ukunqanda ukunqanda-kuyadingeka. Ibhange lase-offshore inikeza izindlela ezibaluleke kakhulu nezindlela ezizwakalayo zokukhulisa ama-horizons akho okutshalwa kwezimali.

Kunobuqili obukhulu kakhulu, inkohliso, ukukhwabanisa nobusela yizikhungo zamabhange zase-US. Kunjalo nakubadlali bemakethe yesitoko neFederal Reserve. Sibhekene nenhlanganisela yezinkinga zezezimali ezichazwe ngenhla ngaphakathi nasekhaya 'emhlabeni jikelele.' Lokhu kwenza kube yisiphepho esihle ngokunye ukuwa kwezezimali.

Shayela inombolo noma ifomu lokubuza eliphelele kuleli khasi ukuze uthole ukwesekwa nosizo. Yenza ucwaningo lwakho. Zicabange wena bese ucabanga ngaphandle kwebhokisi — futhi — ucabange ngaphandle kwezwe. Ungabi isisulu sohlelo lwebhange laseMelika. Hlukanisa futhi ubambe ezinye izimali zakho ku-akhawunti yasebhange engaphesheya.


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ukuqala

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