M'gawo lalikulu la metaphysics ndi zikhulupiriro zodziwika bwino, pali malingaliro ndi machitidwe osiyanasiyana omwe amayang'ana pa kukopa ndalama ndi kutukuka. M'nkhaniyi, chimodzi mwazinthu zosangalatsa komanso zophunziridwa ndi zizindikiro zokhudzana ndi chuma. Zizindikiro izi, zomwe zilipo mu zikhalidwe ndi miyambo yosiyanasiyana, zakhala zikuganiziridwa ponseponse za mbiriyakale monga zida zomwe zimatha kukopa mphamvu zachuma kwa omwe amazigwiritsa ntchito moyenera. M'nkhaniyi, tiwona kuti ndi zizindikiro ziti zomwe zadziwika kale chifukwa cha kuthekera kwawo kukopa ndalama, komanso momwe zimagwirira ntchito kuchokera kuukadaulo.
1. Kodi zizindikiro zokopa ndalama ndi chiyani?
Zizindikiro zokopa ndalama ndi zinthu kapena zinthu zomwe zimaonedwa kuti ndi zabwino kapena zili ndi mphamvu zabwino pokopa chuma ndi chitukuko. Zizindikirozi zimagwiritsidwa ntchito mu miyambo ndi zikhalidwe zosiyanasiyana padziko lonse lapansi, ndipo amakhulupirira kuti ali ndi mphamvu zokopa ndalama ndi zochuluka kwa munthu yemwe ali nazo kapena kuzigwiritsira ntchito.
Zina mwa zizindikiro zodziwika kwambiri zokopa ndalama ndi:
- Ndalama ya dollar imodzi: Mu chikhalidwe cha kumadzulo, nthawi zonse kunyamula ndalama za dola mu chikwama chanu kumatengedwa kuti kukopa chitukuko ndi chuma.
- Ndalama yaku China yamwayi: Zomwe zimadziwikanso kuti "ndalama zotukuka," kuyika ndalama zachi China zamwayi m'chikwama chanu kapena kuntchito kumakhulupirira kuti zimakopa ndalama komanso mwayi.
- Chule wamwayi: Mu chikhalidwe cha Chitchaina, chule wamwayi, wotchedwanso "Chan Chu", ndi chizindikiro cha kuchuluka ndi chuma. Kuyika chule wachuma m'nyumba kapena kuntchito kumakhulupirira kuti kumakopa kulemera.
Ndikofunika kuzindikira kuti zizindikiro zokopa ndalama izi sizothetsera matsenga kapena zitsimikizo za chuma nthawi yomweyo. Komabe, anthu ambiri amapeza kuti kukhala ndi zizindikiro zimenezi pafupi kumawakumbutsa zolinga zawo zachuma ndipo kumawathandiza kukhalabe ndi maganizo abwino pankhani ya ndalama ndi kutukuka. Kuonjezera apo, zizindikiro zina monga ndalama ya dola ndi ndalama zachi China zamwayi zimatha kugwira ntchito ngati zithumwa zamwayi, zomwe zingakhudze chidaliro ndi kutsimikiza mtima. za munthu kuti akwaniritse bwino ndalama.
2. Kufunika komvetsetsa zizindikiro pazachuma
Kumvetsetsa zizindikiro pazachuma ndikofunikira kwambiri kuti tipange zisankho mwanzeru ndikuwongolera bwino ndalama zathu. Zizindikiro ndi chithunzithunzi cha chidziwitso chandalama, ndipo kutanthauzira kwake kolondola kumatilola kumvetsetsa momwe kampani ilili, kuzindikira mwayi woyika ndalama ndikuwunika momwe ndalama zathu zikuyendera.
Chimodzi mwa zizindikiro zofala kwambiri pazachuma ndi ma ticker code omwe amagwiritsidwa ntchito pamsika wogulitsa. Zizindikirozi ndi kuphatikiza zilembo ndi manambala omwe amazindikiritsa kampani yomwe yatchulidwa. mumsika wogulitsa. Kudziwa kuwerenga ndi kumvetsetsa zizindikirozi kudzatithandiza kutsata machitidwe a kampani munthawi yeniyeni ndi kupanga zisankho motengera zomwe zaposachedwa kwambiri.
Mitundu ina yazizindikiro zandalama ndi zomwe zimagwiritsidwa ntchito pazithunzi ndi matebulo, monga zithunzi zomwe zimayimira mitundu yosiyanasiyana yazachuma kapena mitundu yomwe imagwiritsidwa ntchito kuwunikira zomwe zikuchitika komanso mawonekedwe. Kumvetsetsa zizindikilo izi kudzatithandiza kutanthauzira bwino zomwe zaperekedwa ndikusanthula kwathunthu momwe ndalama ziliri pakampani kapena msika wina.
3. Kusanthula kwa zizindikiro zomwe zakopa ndalama m'mbiri
M'chigawo chino, padzakhala kusanthula mwatsatanetsatane zizindikiro zomwe zakhala zikukopa ndalama. Kuyambira ndi gulu loyamba, tidzafufuza zizindikiro zokhudzana ndi chitukuko ndi chuma. Zitsanzo zina Zodziwika bwino zingaphatikizepo chizindikiro cha yuan yaku China (¥), chizindikiro cha dola ($), ingot yagolide, ndi clover yamasamba anayi. Tidzafufuza momwe zizindikirozi zagwirizanirana ndi kuchuluka komanso kupambana kwachuma m'mbiri yonse.
Pambuyo pake, tikhala pansi pazizindikiro zokhudzana ndi malonda ndi chitukuko cha zachuma. Apa tidzapeza chizindikiro chopanda malire (∞), chomwe chikuyimira kupitiriza ndi muyaya wa phindu. Chitsanzo china choyenera ndi chizindikiro cha Yin ndi Yang, chomwe chimasonyeza kulinganiza pakati pa zabwino ndi zoipa za malonda. Tidzasanthulanso chizindikiro cha sikelo, yomwe imayimira chilungamo chachuma ndi kufanana pakusinthanitsa ndalama.
Pomaliza, tiwona zizindikiro zomwe zimagwirizanitsidwa ndi mwayi komanso mwayi. Pakati pawo pali chiwerengero chachisanu ndi chitatu (8), chomwe chimaonedwa m’zikhalidwe zambiri monga kuchuluka kwa kulemerera ndi chipambano. Kuphatikiza apo, tifufuza mphamvu za zithumwa ndi zithumwa, monga maso aku Turkey ndi nsapato za akavalo, zomwe amakhulupirira kuti zimakopa mwayi komanso kuteteza ku mphamvu zoyipa. Kusanthula mwatsatanetsatane kwa zizindikiro zokhudzana ndi ndalama kudzatithandiza kumvetsetsa bwino zikhulupiriro zakale zomwe zimagwirizanitsidwa ndi chuma komanso kutukuka kwachuma.
4. Zizindikiro zomwe zimagwiritsidwa ntchito kwambiri muzamalonda kukopa ndalama
Mudziko Mu bizinesi, pali zizindikiro zingapo zomwe zimagwiritsidwa ntchito kwambiri kukopa ndalama komanso kupititsa patsogolo chuma. Zizindikirozi zimatengera zikhulupiriro ndi machitidwe akale, ndipo zimatengedwa ngati zida zamphamvu zokopa mwayi komanso kuchita bwino pazachuma. Pansipa pali zizindikiro zomwe zimagwiritsidwa ntchito kwambiri muzamalonda.
Chimodzi mwazizindikiro zodziwika bwino m'mabizinesi ndi chizindikiro cha dollar ($). Chizindikirochi chikuyimira ndalama zomwe zimagwiritsidwa ntchito ku United States ndipo zimagwirizanitsidwa kwambiri ndi ndalama ndi chuma. Ndizofala kuwona chizindikiro ichi pa logos ya kampani ndi zotsatsa zokhudzana ndi dziko lazachuma.
Chizindikiro china chomwe chimagwiritsidwa ntchito kwambiri ndi nambala 8. M'zikhalidwe zambiri za ku Asia, chiwerengero cha 8 chimaonedwa kuti ndi mwayi ndipo chimaimira kulemera. Makampani ambiri amasankha mayina kapena ma adilesi omwe ali ndi nambala 8 kuti akope chuma komanso kuchita bwino pazachuma. Kuphatikiza apo, makampani ena amayambitsanso zinthu kapena ntchito ndi mtengo womwe umaphatikizapo kuchuluka kwa nambala 8 kuti akope makasitomala pofunafuna mwayi.
5. Momwe mungagwiritsire ntchito zizindikiro zokopa ndalama m'moyo wanu?
Kugwiritsa ntchito zizindikiro zokopa ndalama m'moyo wanu kungakhale njira yabwino yopititsira patsogolo chuma chanu ndikukopa kuchuluka. Apa tikupereka maupangiri othandiza ndi njira zoyambira kugwiritsa ntchito zizindikilozi ndikupindula ndi mphamvu zawo zabwino.
1. Dziwani ndikusankha zizindikiro: Chinthu choyamba chogwiritsira ntchito zizindikiro zokopa ndalama ndikuzindikira zomwe zikugwirizana ndi inu. Zitha kukhala zizindikiro zapadziko lonse lapansi monga chizindikiro cha dola kapena chizindikiro chamwayi, kapena zizindikiro zokhudzana ndi chikhalidwe chanu kapena zikhulupiriro zanu. Mukasankha zizindikilo, mutha kuzigwiritsa ntchito m'njira zosiyanasiyana, monga kukhala nazo pamalo anu ogwirira ntchito, kuzinyamula, kapena kupanga chithumwa chanu.
2. Pangani guwa lazochulukira: Guwa lazochulukira ndi malo opatulika omwe mungayang'ane zolinga zanu zonse ndi mphamvu zanu zokopa ndalama. Mukhoza kuyika zizindikiro zosankhidwa zomwe zatchulidwa pamwambapa pa guwa lanu, pamodzi ndi zinthu zina zomwe zimayimira kuchuluka, monga ndalama zachitsulo, ngongole kapena miyala yamtengo wapatali. Onetsetsani kuti guwa lanu liri loyera komanso laudongo, ndipo tengani kamphindi tsiku ndi tsiku kuti muyang'ane zolinga zanu pamene mukugwirizanitsa ndi mphamvu za zizindikiro.
3. Onani m'maganizo ndikulengeza zolinga zanu: Kuwona ndi kulengeza zolinga ndi machitidwe amphamvu owonetsera zilakolako zanu. Khalani ndi nthawi tsiku lililonse yowonera m'maganizo momwe moyo wanu ukanakhalira mukanakhala kuti mutakhala ndi chuma chambiri. Tangoganizirani tsatanetsatane ndi malingaliro okhudzana ndi chenichenicho. Kuphatikiza apo, lengezani zolinga zanu mokweza kapena molemba, momveka bwino komanso mwachidule zomwe mukufuna komanso zolinga zanu zachuma. Kuphatikiza izi ndi zizindikiro zokopa ndalama, mudzakhala mukutumiza uthenga womveka ku chilengedwe ndikukhazikitsa njira yowonetsera kuchuluka kwanu.
6. Zizindikiro zokhudzana ndi kutukuka ndi chuma
Kulemera ndi chuma ndi malingaliro otakata komanso osamveka, koma m'zikhalidwe zambiri pali zizindikiro zomwe zimagwirizanitsidwa ndi mbali izi za moyo. Zizindikirozi nthawi zambiri zimakhala ndi tanthauzo lakuya ndipo zitha kugwiritsidwa ntchito ngati zikumbutso kukopa ndi kusunga bwino komanso kuchuluka m'miyoyo yathu.
Chimodzi mwa zizindikiro zodziwika bwino zokhudzana ndi kulemera ndi ndalama. Ndalama sizimangokhala chida chopezera katundu ndi ntchito, komanso zimayimira kuchepa kwachuma komanso kukula. Chizindikirochi chikhoza kuyimiridwa m'njira zosiyanasiyana, monga mabilu kapena ndalama, ndipo chitha kugwiritsidwa ntchito m'miyambo kapena mawonedwe kuti akope chuma.
Chizindikiro china chomwe chimagwirizanitsidwa ndi kulemera ndi mtengo wandalama. Mtengo uwu ndi chizindikiro chakale chomwe chimayimira kukula ndi kuchuluka. Chifaniziro chake nthawi zambiri chimagwiritsidwa ntchito ngati zithumwa ndi zokongoletsa kuti akope chuma. Kuonjezera apo, mitundu yobiriwira ndi golide imagwirizanitsidwanso ndi chuma ndipo ingagwiritsidwe ntchito muzowonjezera kapena zovala kuti zikope mphamvu zabwino mu gawo lazachuma.
7. Zinsinsi za zizindikiro zomwe zimakopa ndalama
Zizindikiro zomwe zimakopa ndalama zakhala nkhani yosangalatsa komanso yophunzira m'mbiri yonse. Zikhalidwe ndi miyambo yambiri yagwiritsa ntchito zizindikiro zosiyanasiyana kukopa chuma ndi chitukuko. Mu positi iyi, tifufuza zinsinsi za zizindikiro izi ndi momwe mungagwiritsire ntchito pa moyo wanu kukopa ndalama zambiri.
1. chizindikiro cha dola: Chimodzi mwa zizindikiro zodziwika bwino komanso zamphamvu zogwirizana ndi ndalama ndi chizindikiro cha dola ($). Maonekedwe ake ozungulira akuti akuyimira mphamvu yozungulira ya ndalama, yomwe imalowa ndi kutuluka m'miyoyo yathu. Kuti mugwiritse ntchito mphamvu zake, mutha kuyika zithunzi kapena ziwerengero zamadola pamalo anu ogwirira ntchito kapena kunyamula chikwama chopangidwa ndi dola.
2. Nambala 8: M'zikhalidwe zambiri za ku Asia, nambala 8 imatengedwa kuti ndi mwayi wabwino komanso wokhudzana ndi kulemera. Izi zili choncho chifukwa m’Chimandarini cha ku China, katchulidwe ka nambala 8 kamafanana ndi mawu akuti “chuma”. Mutha kuphatikiza chizindikirochi m'moyo wanu polemba mindandanda yazofuna kapena zolinga zachuma zomwe zimawonjezera 8, monga kusunga $800 kapena kupeza $8,000.
3. Tsamba la masamba anayi: Chovala chamasamba anayi ndi chizindikiro china chomwe amakhulupirira kuti chimakopa mwayi komanso mwayi. Pazachuma, chizindikiro ichi chitha kuyimira kupeza mwayi wosayembekezeka kapena kukhala ndi mwayi muzachuma. Mutha kuvala zodzikongoletsera zokhala ngati clover kapena amulet, kapenanso kukulitsa masamba anu amasamba anayi kuti mukope kuchuluka kwa moyo wanu.
Gwiritsani ntchito zizindikiro izi m'mabuku anu tsiku ndi tsiku Ikhoza kukhala njira yosangalatsa komanso yothandiza yokopa ndalama zambiri. Kumbukirani kuti zizindikiro izi ndi zida chabe ndipo kuti chuma chenicheni chimachokera ku khama, chilango ndi kukonzekera mwachidwi. Yesani ndi zizindikiro izi ndikupeza njira yomwe ingakuthandizireni bwino. Zabwino zonse!
8. Kodi zizindikiro zamphamvu kwambiri zokopa chuma chambiri ndi ziti?
Pali zizindikiro zingapo zomwe zimaonedwa kuti ndi zamphamvu kwambiri pakukopa chuma chambiri. Zizindikirozi zimakhala ndi mbiri yakale ndipo zakhala zikugwiritsidwa ntchito m'zikhalidwe ndi miyambo yosiyana siyana kuti zibweretse chitukuko ndi kupambana kwachuma. M'munsimu muli zizindikiro zodziwika bwino komanso zothandiza:
1. Chizindikiro cha yuan yaku China: Chizindikiro cha Chitchaina ichi, chomwe chimadziwikanso kuti chizindikiro cha renminbi, chikuyimira ndalama zaku China. Amakhulupirira kuti kuwonetsa chizindikirochi m'malo anu, kaya kunyumba kapena kuntchito, kumatha kukopa mphamvu yachuma ndi chuma. Mutha kupeza zoyimira za chizindikiro ichi ngati ziboliboli, zojambula komanso zodzikongoletsera.
2. Chizindikiro cha dola: Chizindikiro cha dola ($), chomwe chimagwiritsidwa ntchito kuyimira ndalama United States, ndi chimodzi mwa zizindikiro zodziwika kwambiri padziko lonse zokhudzana ndi kuchuluka kwachuma. Kuyika chizindikiro ichi mu chikwama chanu, pa desiki kapena bizinesi yanu kungathandize kukopa mphamvu ya ndalama ndi chitukuko. Mukhozanso kugwiritsa ntchito zodzikongoletsera kapena zipangizo zomwe zimayimira chizindikiro ichi.
3. Chizindikiro chosatha: Chizindikiro cha infinity (∞) ndi chizindikiro champhamvu chomwe chimayimira muyaya komanso kuchuluka kopanda malire. Mungagwiritse ntchito chizindikiro ichi muzodzikongoletsera, zojambulajambula kapena zovala kuti mukope mphamvu ya ndalama zambiri. Kuphatikiza apo, mutha kuwona m'maganizo mwanu chizindikiro chopanda malire ndi cholinga chowonetsera zilakolako zanu zachuma. Kumbukirani kuti chikhulupiliro ndi kukhulupirira kuti zizindikirozi ndizofunika kwambiri pa mphamvu zawo.
9. Kufufuza kugwirizana pakati pa zizindikiro ndi kupambana kwachuma
Kulumikizana pakati pa zizindikiro ndi kupambana kwachuma kwaphunziridwa m'magawo osiyanasiyana, kuphatikizapo psychology, chikhalidwe cha anthu ndi zachuma. M'mbiri yonse, zakhala zikuwoneka kuti zizindikiro zina zingakhudze kwambiri momwe chuma chikuyendera kwa anthu ndi mabungwe. M'chigawo chino, tiwona momwe zizindikiro zingakhudzire kupambana kwachuma ndi momwe zingagwiritsire ntchito mwanzeru.
Zizindikiro zimatha kukhala ndi gawo lofunikira kwambiri pazachuma popanga chidaliro ndikupanga chizindikiritso champhamvu. Mwachitsanzo, logo yodziwika komanso yopangidwa bwino imatha kuwonetsa zabwino ndikupatsa kukhulupirika pakati pa ogula. Kuphatikiza apo, zizindikiro zimathanso kukhudza kawonedwe kabwino cha mankhwala kapena utumiki. Kuyika kowoneka bwino kapena kamangidwe kokongola kungapangitse ogula kuwona mtengo wake ndikukhala okonzeka kulipira zambiri.
Kugwiritsa ntchito zizindikiro bwino Pachipambano chachuma, ndikofunikira kumvetsetsa tanthauzo lachikhalidwe ndi lophiphiritsa kumbuyo kwawo. Zizindikiro zimatha kukhala ndi matanthauzo osiyanasiyana m'zikhalidwe zosiyanasiyana, kotero ndikofunikira kufufuza mozama musanazigwiritse ntchito pakutsatsa kapena kutsatsa. Momwemonso, ndikofunikira kulingalira momwe zizindikilo zimayenderana ndi zomwe kampaniyo kapena munthu. Kugwiritsa ntchito zizindikilo zomwe zimagwirizana ndi zomwe zili zofunika komanso zolinga zimatha kupanga kulumikizana kwakukulu ndi ogula ndikuthandizira kuchita bwino kwachuma kwanthawi yayitali.
10. Kodi ndi zizindikiro ziti zomwe zimagwiritsidwa ntchito mu feng shui pofuna kukopa ndalama?
Mu feng shui, zizindikiro zosiyanasiyana zimagwiritsidwa ntchito kukopa ndalama ndikuwonjezera mphamvu zachuma kunyumba kapena kuntchito. Zizindikiro izi zikuyimira kuchuluka, kutukuka komanso mwayi wabwino pantchito zachuma. M'munsimu muli zizindikiro zomwe zimagwiritsidwa ntchito mu feng shui kukopa ndalama:
1. Buddha wa Chuma: Amadziwikanso kuti "Buddha Womwetulira", chizindikiro ichi chikuyimira chisangalalo, kuchuluka komanso mwayi wachuma. Kuyika chifaniziro kapena chithunzi cha Wealth Buddha m'dera lachuma kunyumba kwanu kapena bizinesi kumatha kukopa mphamvu zabwino ndikuwongolera ndalama zanu.
2. Chule wamiyendo itatu: Chizindikirochi ndi chodziwika kwambiri mu feng shui chifukwa cha kugwirizana kwake ndi chuma ndi kulemera. Chule wamiyendo itatu amaikidwa pafupi ndi khomo lalikulu kapena pafupi ndi kaundula wa ndalama zabizinesi kuti akope ndalama. Akuti ukaika khobidi m’kamwa mwa chule, mwayi ndi kutukuka zimadza kwa iwe.
3. Mtengo wandalama: Chizindikirochi chimakhala ndi mtengo wokhala ndi ndalama zachitsulo zomwe zikulendewera m’nthambi zake. Zimayimira kudzikundikira chuma ndi kukhazikika kwachuma. Kuyika mtengo wandalama pamalo olemera a nyumba yanu kapena bizinesi kungathandize kukopa mphamvu zabwino zandalama ndikukulitsa mwayi wanu wotukuka.
Kumbukirani kuti zizindikirozi ziyenera kuikidwa mwanzeru, poganizira kugawidwa kwa malo ndi momwe malowa amayendera. Kuonjezera apo, ndikofunika kusunga zizindikiro zoyera komanso bwino kukhalabe ndi mphamvu zabwino zomwe zingakope ndalama kwa inu.
11. Zotsatira zamaganizo za zizindikiro zokopa ndalama
Ndizochitika zomwe zimaphunziridwa kwambiri m'munda wa psychology. Zizindikiro izi, zomwe zimatha kukhala zithumwa mpaka zowonera, zimatha kukhudza momwe timaonera, momwe timamvera komanso zochita zathu zokhudzana ndi ndalama. Pansipa, zina mwazotsatira zodziwika bwino zazizindikirozi pazachuma chathu zama psychology zidzawunikidwa.
Choyamba, ndikofunika kuzindikira kuti mphamvu ya ndalama zokopa zizindikiro zimatha kusiyana ndi munthu. Anthu ena atha kupeza kuti zizindikirozi zimawathandiza kukhala olimbikitsidwa komanso otsimikiza zachuma chawo. Mbali inayi, anthu ena sangakhale ndi zotsatirapo zilizonse. Ndikofunika kukumbukira kuti kukhudzidwa kwamaganizo kwa zizindikirozi kungadalire zinthu monga zikhulupiriro zaumwini, zochitika zam'mbuyo ndi ziyembekezo zaumwini.
Chachiwiri, zizindikiro zokopa ndalama zingakhudze kwambiri zosankha zathu zachuma. Zizindikirozi zitha kukhala zikumbutso zowoneka bwino za zolinga zathu zachuma ndi zolinga zathu, kutithandiza kukhala olunjika komanso okhudzidwa. Kuphatikiza apo, zizindikilo zina zimatha kupanga kumverera kwachulukidwe komanso kutukuka, zomwe zingakhudze momwe timagwiritsira ntchito ndalama ndikusunga zosankha. Komabe, ndikofunikira kulingalira kuti zotsatira za zizindikilozi zitha kukhala zaumwini komanso zaumwini, kotero zomwe zimagwira ntchito kwa munthu m'modzi sizingakhale ndi zotsatira zofanana pa wina.
12. Kupeza zizindikiro zopatulika zokhudzana ndi kulemera kwandalama
Ngati mukuyang'ana kuti muwonjezere chuma chanu, ndikofunikira kumvetsetsa zizindikiro zopatulika zomwe zimagwirizana ndi cholinga ichi. Zizindikiro izi zitha kukuthandizani kukopa mphamvu zabwino komanso kuchuluka m'moyo wanu wazachuma. Nazi zizindikiro zopatulika zomwe mungafufuze:
- Ndalama yamwayi: M'zikhalidwe zosiyanasiyana, ndalama zina amakhulupirira kuti zimakhala ndi zinthu zachinsinsi zomwe zimakopa kulemera kwandalama. Mutha kuyang'ana ndalama zakale kapena zenizeni zomwe zimawonedwa ngati ndalama zamwayi m'miyambo yosiyanasiyana. Kenako, mutha kunyamula nawo m'chikwama chanu kapena pamalo apadera kunyumba kwanu kuti mukope mwayi.
- Bili mu wallet: Kuyika bilu m'chikwama chanu kungapangitse kuyenda kosalekeza kwa ndalama. Akuti biluyo iyenera kukhala yapamwamba kwambiri ndipo muyenera kuisunga nthawi zonse m'chikwama chanu osagwiritsa ntchito. Izi zikuyimira kuchuluka komwe mungakope m'moyo wanu ndikupanga malingaliro otukuka.
- Mtengo wamtengo: Mu miyambo ina ya esoteric, chizindikiro chotchedwa "mtengo wandalama" kapena "mtengo wa moyo" chimagwiritsidwa ntchito kukopa chuma chandalama. Chizindikiro ichi chikuyimiridwa ngati mtengo wokhala ndi masamba agolide ndi nthambi, ndipo mutha kuzipeza muzodzikongoletsera, zojambula, kapena zithumwa. Kuyika chithunzithunzi cha mtengo wandalama m'nyumba mwanu kungathandize kukopa chitukuko ndi kukula kwachuma.
13. Momwe mungagwiritsire ntchito zizindikiro moyenera kuti ziwonjezeke bwino pakukopa ndalama
Pali zizindikiro zosiyanasiyana zomwe zakhala zikugwiritsidwa ntchito m'mbiri yonse kukopa ndalama ndi chitukuko. Komabe, kuti ziwonjezeke bwino ndikofunikira kuwagwiritsa ntchito moyenera. Apa tikuwonetsani momwe mungachitire:
1. Fufuzani tanthauzo la zizindikiro: Musanagwiritse ntchito chizindikiro, ndikofunikira kumvetsetsa tanthauzo lake ndi mayanjano omwe ali nawo ndi kuchuluka komanso kutukuka. Chitani kafukufuku pazizindikiro zosiyanasiyana zomwe zimagwiritsidwa ntchito m'zikhalidwe zosiyanasiyana ndikusankha zomwe zikugwirizana ndi inu. Zitsanzo zina zodziwika bwino ndi chizindikiro cha dola, mtengo wa moyo, ndi mbiya ya chitukuko.
2. Pangani malo opatulika: Sankhani malo m'nyumba mwanu momwe mungayikitsire zizindikiro zomwe mwasankha. Malo opatulikawa ayenera kukhala oyera, okonzeka komanso opanda zosokoneza. Mungagwiritse ntchito tebulo kapena guwa kuti mukonzekere zizindikirozo m'njira yomwe imakulimbikitsani ndikukudzazani ndi mphamvu zabwino.
3. Chitani mwambo: Mukasankha zizindikiro ndikuziyika m'malo anu opatulika, ndi nthawi yoti muchite mwambo kuti muwapatse mphamvu ndikuyambitsa mphamvu zawo. Mutha kuyatsa makandulo, kusinkhasinkha, kapena kubwereza maumboni abwino pomwe mukuwona kuchuluka kukuyenderera kwa inu. Kumbukirani kuti chinsinsi ndi kukhulupirira mphamvu ya zizindikiro ndi kuthekera kwanu kukopa ndalama ndi chitukuko.
14. Kusintha kwa zizindikiro zachuma m'mbiri yonse
M'dziko lazachuma, zizindikiro zimagwira ntchito yofunika kwambiri pakuyimira ndi kufotokoza zofunikira ndi zidziwitso. M'mbiri yonse, zizindikiro izi zasintha kuti zigwirizane ndi kusintha kwa malonda a zachuma. Kusintha kumeneku kwayendetsedwa ndi kupita patsogolo kwaukadaulo, kusintha kwa machitidwe abizinesi komanso kuchulukirachulukira kwamisika yazachuma padziko lonse lapansi.
Imodzi mwa njira zazikulu zomwe zizindikiro zandalama zasinthira ndikutengera miyezo yapadziko lonse lapansi. Miyezo iyi imatsimikizira kusasinthika pakuyimira zizindikiro zachuma pamapulatifomu ndi machitidwe osiyanasiyana. Mwachitsanzo, muyezo wa ISO 4217 umakhazikitsa zilembo zamakalata atatu kuyimira ndalama zamayiko osiyanasiyana. Izi zimathandizira kulumikizana komanso kusinthanitsa zidziwitso zachuma padziko lonse lapansi.
Kuphatikiza pa miyezo yapadziko lonse, zizindikiro zachuma zasintha kuti zikhale ndi zida zambiri zandalama ndi katundu. M'mbuyomu, zizindikiro zandalama zinali zongotengera masheya ndi ma bond. Komabe, pakubwera kwa zinthu zatsopano zachuma monga zowonjezera, zosankha ndi zam'tsogolo, pakhala kuwonjezeka kwakukulu kwa chiwerengero ndi zovuta za zizindikiro za ndalama zomwe zimagwiritsidwa ntchito. Zizindikiro zatsopanozi zikuwonetsa kuchulukirachulukira kwamisika ndikulola osunga ndalama ndi amalonda kupeza ndikugulitsa zida zandalama zosiyanasiyana.
Mwachidule, zakhala zikuyendetsedwa ndi kufunikira koyankhulana bwino ndi molondola deta ya zachuma m'malo ovuta kwambiri. Miyezo yapadziko lonse lapansi yakhala ndi gawo lalikulu pakusinthika uku, kuwonetsetsa kukhazikika komanso kugwirizana pakuyimilira kwa zizindikiro zachuma. Kuphatikiza apo, kuchulukirachulukira kwa zida zandalama kwadzetsa kufalikira kwa ziwerengero ndi zovuta za zizindikiro zomwe zimagwiritsidwa ntchito. Izi zikupitirirabe masiku ano, monga luso lamakono ndi zatsopano zikupitiriza kuyendetsa kusintha kwa momwe deta yachuma imayimiridwa ndikulankhulidwa.
Pomaliza, tafufuza zizindikiro zosiyanasiyana zomwe mwachizoloŵezi amakhulupirira kuti zimakopa ndalama ndipo tawona kufalikira kwawo m'zikhalidwe ndi miyambo yosiyanasiyana.
Ndalama, kukhala chinthu chofunika kwambiri pagulu zamakono, zapangitsa kufunafuna zizindikiro zomwe zingakhudze kupeza ndi kusunga kwawo. Komabe, nkofunika kuzindikira kuti zizindikirozi zimachokera ku zikhulupiliro ndi miyambo ya chikhalidwe, popanda maziko olimba a sayansi ochirikiza kugwira ntchito kwawo.
Kwenikweni, zizindikiro zomwe amakhulupirira kuti zimakopa ndalama zimatha kukhala zikumbutso za zolinga zathu zachuma komanso ngati njira yolimbikitsira ndikuyang'ana zolinga zathu zachuma. Komabe, simungadalire kokha pazizindikiro izi kuti mukope chuma komanso kuchita bwino pazachuma.
Pamapeto pake, kupeza ndalama ndi kumanga ufulu wachuma kumafunikira zinthu zingapo monga maphunziro azachuma, kugwira ntchito molimbika, kukonzekera bwino, komanso malingaliro abwino azachuma. Ngakhale kuti zizindikiro zingathandize kupititsa patsogolo zolinga zathu zakuthupi, ndikofunikira kukumbukira kuti ndi zida zongothandizira pakuyesayesa kokwanira kuti tipeze chuma.
Pamene tikupitiriza ulendo wathu wopita ku chipambano chandalama, nkofunika kukhalabe ndi njira yolinganizika, yozikidwa pa zisankho zozikidwa pa mfundo zenizeni, nzeru zandalama ndi malingaliro anzeru okhudza ndalama. Pamapeto pake, ndi zochita zathu za tsiku ndi tsiku ndi zisankho zomwe zimatitsogolera kukwaniritsa zolinga zathu zachuma, kuposa chizindikiro chilichonse kapena chithumwa.
Mwachidule, pamene zizindikiro zomwe zimagwirizanitsidwa ndi ndalama zimakhala ndi mbiri yayitali komanso yolemera m'zikhalidwe zonse, ndikofunika kuti musamangodalira iwo kuti akwaniritse chuma chakuthupi. Kudziwa zachuma, kugwira ntchito molimbika, ndi malingaliro abwino azachuma ndi zinthu zofunika kwambiri kuti tipeze chuma chanthawi yayitali. Zizindikiro zimatha kukhala zikumbutso ndi zolimbikitsa pakufuna kwathu kuchita bwino pazachuma, koma ndikofunikira kukumbukira kuti ndi gawo limodzi lokha la njira yotakata yopezera ufulu wazachuma.
Ndine Sebastián Vidal, mainjiniya apakompyuta omwe amakonda ukadaulo komanso DIY. Komanso, ine ndine mlengi wa tecnobits.com, komwe ndimagawana nawo maphunziro kuti ukadaulo ukhale wofikirika komanso womveka kwa aliyense.