UCharlie Munger ucaphula

Omnye umtyali mali waseMelika nguCharlie Munger. Ngaphandle kokuba ngumhlobo kunye neqabane lotyalo-mali olukhulu uWarren Buffett, uMunger ukwenye yezona zityebi emhlabeni. ixabiso lalo lonke ngoku lixabisa i-2,1 yezigidigidi zeedola. Ibali lakhe lilusizi kakhulu kwaye uqeqesho oluninzi kunye nomzamo ekugqibeleni wakwazi ukufikelela kwinkululeko yezemali. Iingcaphuno zikaCharlie Munger zibonisa ubomi bakhe obunzima kunye nolwazi lwezezimali.

Umntu oye wakwazi ukunyuka ukusuka kwinqanaba lokutshatyalaliswa ukuba abe ngomnye wabantu abacebile kakhulu kukho tUnobulumko namava amaninzi okudlulisa. Kungenxa yoko le nto siza kuthetha kweli nqaku kancinci malunga nokuba ngubani lo mtyali-mali mkhulu kunye nezicatshulwa ezingamashumi asixhenxe ezidumileyo zikaCharlie Munger.

UCharlie Munger wama-70 aManqaku aDumileyo

Ubulumko obunokugqithiswa ngulo mtyali mali bunokuhamba indlela ende. Enkosi kumabinzana kaCharlie Munger sinokufumana inkuthazo kunye noncedo Ayisiyiyo kuphela eyomhlaba, kodwa nathi siyaziqinisa uqeqesho lwethu kunye nomnqweno wethu wokufunda, Ewe, uyindoda enenkcubeko ekhusela ukubaluleka kokufumana ulwazi olutsha mihla le. Emva koko siza kubona amabinzana angama-70 adumileyo eCharlie Munger.

1. "Soloko uthatha indlela ephezulu, ayihambi kangako ngabantu."
2. "Eyona nto intle umntu anokuyenza kukunceda omnye umntu ukuba azi ngakumbi."
3. "Khumbula ukuba igama kunye nokunyaniseka zizona zinto zixabisekileyo, kwaye zingalahleka ngokukhawuleza."
4. "Thatha umbono olula kwaye uthathe ngokungathí sina."
5. “Ndiyakholelwa kuqeqesho lobugcisa kwezona zinto zifunyenwe ngabanye abantu. Andikholelwa ekuhlaleni phantsi ndizame ukuphupha konke ngokwakho. Akukho mntu ukrelekrele ngolu hlobo. "
6. "Abantu babala kakhulu kwaye bacinga kancinci."
7. "Uninzi lweempazamo zobomi zibangelwa kukulibala into umntu azama ukuyenza."
8. "Sineebhasikithi ezintathu zokutyala imali: ewe, hayi kwaye kunzima kakhulu ukuziqonda."
9. “Ufuna umlinganiswa ukuze uhlale nayo yonke loo mali ungenzi nto. Khange ndifike kule ndawo ndikuyo, ndihamba namathuba amaninzi. "
10. "Bambuza, Zithini iimfihlo zempumelelo? impendulo yakhe yathi: Yiba nengqiqo ”.
11. “Ukuze ufumane le nto uyifunayo, kufanelekile ukuba uyifumane le nto uyifunayo. Umhlaba awukabi yindawo ephambeneyo ngokwaneleyo ukuba unganikeza umvuzo kubantu abaninzi. "
12. "Into endifuna ukuyazi kukuba ndiza kufa phi kwaye ndingaze ndiye apho."
13. “Akukho ndlela inye. Kufuneka wazi okuninzi malunga neshishini kunye nendalo yomntu kunye namanani… Akukho ngqiqweni ukulindela ukuba kukho inkqubo yomlingo ekwenzele yona ”.
14. "Khange ndihoye imida yommandla wecandelo lezemfundo kwaye ndibambe zonke izimvo ezilungileyo endinokuzenza."
15. "Ukuba abantu abazenzanga iimpazamo rhoqo, ngekhe sibe zizityebi kangaka."
16. “Kubo bonke ubomi bam, andizange ndadibana nabantu abalumkileyo (kwindawo ebanzi) abangakhange bafunde ngalo lonke ixesha, akukho namnye, uziro. Ungothuka xa ufunda uWarren Buffet nokuba ndifunda kangakanani. Bayandihleka abantwana bam. Bacinga ukuba ndiyincwadi enemilenze emibini ephumela ngaphandle ”.
17. "Logama nje ndinencwadi esandleni sam, andiziva ngathi ndisebenzisa ixesha lam."
18. "Ndizama ukulahla abantu abahlala bephendula ngokuzithemba imibuzo abangenalo ulwazi lokwenene."
19. "Ukuxelisa umhlambi kumema ukuphinda kuthethwe."
20. "Imali enkulu ayikho ekuthengweni kwentengiso, kodwa ekulindeni."
21. "Kungenxa yokuba uyayithanda loo nto ayithethi ukuba umhlaba uya kukunika."
22. "Sijonge ihashe elinethuba lokuphumelela elingama-50% kwaye lihlawulelwa u-3 ukuya ku-1."
23. Umgaqo wentsimbi wendalo uthi: ufumana oko kufanelekileyo. Ukuba ufuna iimbovane, ubeka iswekile emhlabeni ”.
24. "Esona sikhephe sokuguga bubomi obuchithwe kakuhle obandulelayo."
25. "I-algorithm enkulu ekufuneka uyikhumbule xa ujongene nale meko ilula: umbono okanye inyani ayisaxabisekanga, kuba iyafumaneka kuwe."
26. "Uqoqosho alunakuba njani kukuziphatha? Ukuba ayiziphathi kakuhle, siyintoni isihogo?
27. "I-Beta kunye ne-portfolio ye-portfolio yanamhlanje ayinangqondo kum."
28. "Umona sisono esisisiyatha kuba sesona ungasoze wonwabe ngaso."
29. “Zininzi iintlungu kwaye akukho lonwabo. Kutheni ungafuna ukukhwela kuloo moto nje? "
30. "Ukuba awuyiqondi into yokuqala, kodwa ayiyiyo eyendalo, izibalo ezinokwenzeka kwirejista yakho, uya kudlula ebomini obude njengendoda enomlenze omnye kukhuphiswano lokukhaba."
31. “Ukuba kukho into enzima kakhulu, siya kwenye into. Yintoni enokuba lula kunaleyo?
32. “Phuhlisa ukuzifundela ubomi bakho bonke ngokufunda ngokungakhathali; hlala ukwazi kwaye uzame ukuba nobulumko kancinci yonke imihla. "
33. "Yiya ebhedini ukrelekrele kunakuvuka kwakho."
34. "Akufuneki ubukrelekrele, ulumke kancinci kunabanye abantu, ngokomndilili, ixesha elide."
35. Fumana ubulumko behlabathi kwaye uhlengahlengise indlela oziphethe ngayo. Ukuba indlela yakho entsha yokuziphatha ikunika ukungathandwa okwethutyana liqela loontanga bakho ... emva koko uye esihogweni nabo. "
36. "Umahluko phakathi kwesivumelwano esihle nesibi kukuba elungileyo ihlala ijongana nezigqibo ezilula kwaye ezimbi zihlala zijongana nezigqibo ezibuhlungu."
37. “Umntu uya kuhlala esisityebi ngokukhawuleza kunawe. Ayisiyontlekele le ”.
38. "Ukwazi into ongayaziyo kuluncedo kunokuba ubukrelekrele."
39. “Sobabini (uCharlie Munger noWarren Buffett) sinyanzelisa ukuba ixesha lifumaneke phantse yonke imihla ukuze sihlale sicinge. Inqabile kakhulu kwishishini laseMelika. Siyafunda kwaye siyacinga ”.
40. "Akukho titshala ungcono kunembali, ukumisela ikamva ... Kukho iimpendulo ezixabisa iibhiliyoni zeedola kwincwadi yembali eyi-30."
41. Ufumana njani iqabane elifanelekileyo? -indlela efanelekileyo yokufumana iqabane elilungileyo ”.
42. “Sonke siyafunda, silungisa okanye sitshabalalisa izimvo ngalo lonke ixesha. Ukutshabalalisa ngokukhawuleza izimvo zakho xa ixesha lilungile yenye yezona zinto zibalulekileyo onokuzifumana. Kuya kufuneka uzinyanzele ukuba ujonge iimpikiswano kwelinye icala. "
43. "Ukuhlanya kwesihlwele, utyekelo lwabantu, phantsi kwezinye iimeko, ukufana neelemings, ichaza eyona ndlela yokucinga yobudenge yamadoda akrelekrele kunye nokuziphatha okungabhadlanga."
44. “Umzekelo wenkqubo enoxanduva lokwenene yinkqubo eyayisetyenziswa ngamaRoma xa akha iarch. Umfo owadala i-arch wayephantsi kwayo xa ukususwa kukasuswa. Kufana nokupakisha eyakho iparashute. "
45. “Ziphephe iintlungu; ukwala ngokwengqondo. Umntu kufuneka avume ubunyani nokuba akathandi. "
46. “UWarren uyathetha malunga noku kungena kwemali ngesaphulelo. Andizange ndimbone esenza enye.
47. “Bonke abatyali mali kwezemali, xa bebonke, banokuba nembuyekezo yonyaka yokulingana neendleko ezipheleleyo zabathengisi abakhethe ngokudibeneyo ukubathwala. Le yinyaniso engenakuphepheka yobomi. Kwaye akunakuphepheka ukuba kanye isiqingatha sabatyali mali bafumane iziphumo ezingaphantsi kwesiphumo esiphakathi emva kokuthatha abathengisi, isiphumo sabo esingumndilili sinokuba phakathi kwendawo enomdla kunye ne lousy ”.
48. “Ukulibala iimpazamo zakho yimpazamo embi ukuba uzama ukuphucula ukuqonda kwakho. Inyaniso ayikukhumbuli. Kutheni ungabhiyozeli izinto zobudenge kuwo omabini la manqanaba?
49. “Abatyalomali abanakusoloko begqwesa kwimarike. Kungoko kulunge kakhulu ukutyala imali kwipotifoliyo eyahlukeneyo yeendleko zesalathiso sexabiso eliphantsi okanye (iimali ezithengiswayo).
50. “Isizathu sokuba siliphephe igama elithi 'intsebenziswano' kungenxa yokuba abantu ngokubanzi babanga izibonelelo zonxibelelwano kunokuba beze. Ewe ikhona, kodwa zininzi izithembiso zobuxoki. "IBerkshire igcwele zizibophelelo, asiziphephe izivumelwano, ngamabango nje ohambelwano."
51. "Sizama ngakumbi ukuthatha ithuba lokuhlala sikhumbula okucacileyo, kunokuqonda i-esoteric."
52. "Kububudenge indlela abantu abagqithisa ngayo eyadlulayo kwaye hayi isidenge kancinci, kodwa ngobuyatha."
53. "Kuyamangalisa ukuba zininzi kangakanani iingenelo zexesha elide abantu abafana nathi abaye bazizama ngokuzama ukungasoloko sibubudenge, kunokuzama ukuba bakrelekrele kakhulu."
54. “Kufuneka uhlale kule nto ndiyibiza ngokuba sisangqa sakho sobuchule. Kuya kufuneka uyazi into oyiqondayo kunye nento ongayiqondiyo. Akubalulekanga ukuba isangqa sikhulu kangakanani. Kodwa kubaluleke kakhulu ukuba uyazi apho ipherimitha ikhoyo ”.
55. "Sinezinto ezininzi eziguquguqukayo kunye noqeqesho oluthile malunga nokungayenzi into esisidenge ukuze nje usebenze, uqeqesho lokuphepha nje ukwenza nayiphi na into embi ngenxa yokuba awukwazi ukuma ungasebenzi."
56. “IBerkshire igcwele ngabantu abanomdla okhethekileyo kumashishini abo. Ndingathi uthando lubaluleke ngaphezu komthamo wengqondo yethu ”.
57. “Zeziphi iinkampani ezinkulu ezifanayo ngokubanzi kukuba bafumana uburhulumente. Kwaye, kunjalo, kuyenzeka nakurhulumente. Kwaye, ngokusisiseko, andibuthandi ubuchwephesha, kudala iimpazamo ezininzi. "
58. “Sobabini sinyanzelisa ukuba ixesha lifumaneke phantse yonke imihla yokuhlala kunye nokucinga. Inqabile kakhulu kwishishini laseMelika. Siyafunda size sicinge. Ke mna noWarren senza ukufunda nokucinga ngakumbi kunabantu abaninzi abakwishishini. "
59. "Kuya kufuneka ucinge ukuba ubomi buya kuba nzima kwaye uzibuze ukuba ungabuthatha na kwaye ukuba impendulo ngu-ewe, vele uncume kwaye uqhubeke."
60. "Kuya kufuneka unomdla onomdla wokwazi ukuba kutheni izinto zisenzeka. Le ndlela yokucinga, ebanjelwe ixesha elide, ngokuthe ngcembe iphucula amandla akho okugxila kwinyani. Ukuba awunayo le ndlela yokucinga, umiselwe ukusilela nokuba une-IQ ephezulu. "
61. "Ingcamango yomda wokhuseleko Ummiselo kaGraham awusoze uphelelwe lixesha, umbono wokwenza intengiso umkhonzi wakho awusoze uphelelwe lixesha. Umbono wokuba nenjongo kunye nokungafezekiseki awusoze uphelelwe lixesha. Ke uGraham uneengcinga ezininzi ezintle. "
62. “Ukubhankisha lishishini elikhethekileyo. Izilingo ezithiwe thaca kwi-CEO zokwenza into engenangqondo zinkulu kakhulu ebhankini kunakwinkampani ezininzi. Ke ngoko, yindawo eyingozi yokutyala imali kuba zininzi iindlela zokubhankisha ukwenza ukuba ikamva lexesha elifutshane libonakale lilungile ngokuthatha umngcipheko ongafanelekanga ukuba uwathathe kwikamva lexesha elide. Kwaye ke ukubhenka yindawo eyingozi yokutyala kwaye kukho ezinye iimeko ezingafaniyo. IBerkshire izamile ukukhetha ngaphandle kangangoko inakho. Kwaye andisenanto ndingayithetha ngalo mbandela, ngaphandle kokuba ndiqinisekile ukuba ndinyanisile ”.
63. "Kuphephe ukusebenza ngokuthe ngqo phantsi komntu ongamthandiyo kwaye ungafuni ukufana naye."
64. "Ubomi, ngokuyinxenye, bufana nomdlalo we-poker, apho kuya kufuneka ufunde ukuyeka ngamanye amaxesha xa ubambe isandla esithandekayo, kuya kufuneka ufunde ukuphatha iimpazamo kunye nezinto ezintsha ezitshintsha amathuba."
65. "Naluphi na utyalo-mali olusisilumko kutyalo-mali lwexabiso lokufumana ngaphezulu kwezinto ozihlawulayo."
66. Ingqondo yomntu engafezekanga kunye nokulinganiselwa kwengqondo iphambukiswa ngokulula ukuze isebenze nento efumaneka lula kuye. Kwaye ingqondo ayinakuyisebenzisa into engayikhumbuliyo okanye xa ivinjiwe ekuqondeni kuba ichukunyiswe ngamandla kukuthambekela kwengqondo enye okanye nangaphezulu ezinefuthe elinamandla kuyo ... ulwakhiwo olunzulu lwengqondo yomntu lufuna ukuba indlela eya kubuchule Ububanzi obupheleleyo balo naluphi na uhlobo lufunda yonke into ngokutyibilika nokuba uyathanda okanye awuthandi ”.
67. “Ndidibene nezona ngqondi zinomdla, ngokwendalo, ezincwadini, hayi kwigumbi lokufundela. Andikhumbuli xa ndiqala ukufunda uBenjamin Franklin. Xa ndandineminyaka esixhenxe okanye esibhozo ndandinoThomas Jefferson ebhedini yam. Usapho lwam luye lwazithanda zonke ezo zinto: ukuya phambili ngoqeqesho, ulwazi kunye nokuzeyisa.
68. “Ndihlala ndibona abantu bekhula ebomini abangakrelekrele, ngamanye amaxesha bangakhuthazi kakhulu, kodwa ngoomatshini bokufunda. Balala qho ebusuku ngobulumko obuncinci kunokuba babenjalo xa bevuka kwaye kuyanceda, ngakumbi xa unendlela ende ephambi kwakho. "
69. “NjengoWarren, bendinomdla omkhulu wokuba sisityebi, hayi kuba ndifuna iFerraris, into endandiyifuna kukuzimela geqe kwezemali. Bendimfuna ngamandla. "
70. Chitha usuku ngalunye uzama ukuba nobulumko kancinci kunokuba wawunjalo xa uvuka. Imihla ngemihla, kwaye ekupheleni kosuku, ukuba uhlala ixesha elaneleyo njengabantu abaninzi, uya kufumana oko kufanelekileyo ebomini. "

Ngubani uCharlie Munger

Ngo-1924, umtyali mali waseMelika uCharlie Munger wazalelwa e-Omaha, e-Nebraska. Kwiminyaka engama-29, umfazi wakhe wamqhawula umtshato, nto leyo eyakhokelela ekubeni aphulukane nelifa lakhe uCharlie Munger. Ngokusisiseko washiyeka engenakhaya losapho ePasadena, California. KUNYELo msitho umshiye ephantse waqhekeka. Kwakhona, kwiinyanga ezimbalwa kamva, unyana wakhe oneminyaka esibhozo ubudala, uTeddy, kwafunyaniswa ukuba une-leukemia. Esi sifo sabangela ukuba asweleke emva konyaka.

Nangona kunjalo, uCharlie Munger akazange anikezele ngobomi kwaye Okwangoku ungomnye wabantu abazizityebi emhlabeni, kunye neqabane lakhe uWarren Buffett. Kungenxa yoko le nto amabinzana kaCharlie Munger anomdla ngakumbi. Ungusekela-mongameli wenkampani yaseBerkshire Hathaway, ephethe inkampani, enazo zonke izabelo zamaqela eshishini ahlukeneyo. Njengomhlobo wakhe uWarren Buffett, uCharlie Munger naye unikele ngezigidi ezininzi kwizizathu zokunceda.

Psicología

Kufuneka kuqatshelwe ukuba lo somali mkhulu ungumthandi wezengqondo. Ngaphezu: Ubhale incwadi ebizwa ngokuba yi "Poor Charlie's Almanack." Kuyo uhlalutya i-25 yecala lokuqonda elinempembelelo yokwenza amandla abantu, kuphazamisa esi senzo. Esinye isizathu sokuba iikowuti zikaCharlie Munger zinomdla kakhulu.

Kuyabonakala ukuba, la macala angama-25 okhetho lokuqonda anokuba namandla kakhulu xa kuziwa ekuphembeleleni okanye ekucenga umntu xa kufuneka enze isigqibo. Ngesi sizathu bezisetyenziswe kwimbali ukuze abantu kunye nabantu bathathe izigqibo ezinokuthi zithathelwe ingqalelo. Kule ncwadi, uCharlie Munger ukwathetha "ngeLollapalooza Isiphumo," esisiphumo esinamandla sokusebenzisa ukungakhathali okuninzi ngaxeshanye. Eli nyathelo lihlala lonyusa amathuba okuba abantu baziphathe ngokungenangqondo xa besenza izigqibo.

Ndiyathemba ukuba amabinzana enu anikhuthaze nobabini kwimarike yemasheya, kunye nokukhula njengabantu. Kucacile ukuba amabinzana kaCharlie Munger agcwele ubulumko kunye namava eminyaka kwilizwe lezemali nakubomi uqobo. Ungashiya izimvo zakho kwizimvo.