Inama za Warren Buffer ku kuba umugwizatunga

Uyu mugabo ugeze mu myaka y’ubukuru, yakunzwe na benshi kubera ibikorwa bye birimo n’ibyubugiraneza no gusangiza benshi inzira zabageza ku bukungu burambye ndetse n'ibindi.

Dore inama zatanzwe na Buffer Warren zageza benshi ku bukire:

          1.     Zirikana ubwizigamire

Uyu mugabo yagarutse ku ikosa rikomeye rikorwa n’abashoramari cyangwa abantu bafite ibikorwa runaka, batekereza kwizigamira nyuma yo kumara amafaranga.

Avuga ko kwizigamira bikwiye gutekerezwaho mbere yo kwakira amafaranga yakirwa mu gihe runaka ndetse bakirinda kuzigama ayasigaye bamaze gukemura ibibazo byabo bibaraje inshinga.

Buffer Warren avuga ko, kwizigamira bikorwa nyuma yo kwakira amafaranga hakabikwa amwe yateganijwe, asigaye akabona gukoreshwa. Ibi abitangaje nyuma yuko agaragaje ko, amafaranga ahora ari macye mu maso y’uyakira ndetse habayeho gukemura ibibazo hataboneka ubwigame buhoraho, ahubwo avuga ko kwizigamira bisobanura kwiyima ukabika ibizagufasha mu bihe bikomeye.

Yamaze impungunge abazi ko kwizigamira bireba abakire n’abatunze menshi avuga ko, abo baherwe bahereye kuri macye nyuma akaza kugwira, ndetse abibutsa ko, kwibeshya ko uzigama ibibazo birangiye bidashoboka ahubwo ko usigarana ubusa.

           2.     Mugabanye amafaranga akoreshwa

Warren Buffer avuga ko kimwe mu bituma iterambere ry’umuntu rizamuka byihuse harimo gucika ku muco wo gukoresha amafaranga atari ngombwa cyangwa gusesagura.

Nkuko akomeza kubisobanura, buri kimwe gitanzweho amafaranga kiba gikenewe n’umutima wa muntu, nyamara bimwe muri byo bitaguzwe, ubuzima bukaba bwakomeza ntakibazo.

Avuga ko bamwe babaho ubuzima badashoboye  bigana abandi, naho abandi bagakoresha amafaranga menshi ku bidafite umumaro, ibyo bikadindiza iterambere ryabo bagahora munsi. Yaba mu bucuruzi, nibyiza guhora uzirikana ko ukwiye gutakaza ifaranga ryawe ku bifite umumaro gusa.

Yatangaje avuga ko, atanga inama ibuza abantu kwishimira kugura cyane bigwizaho ibidafite umumaro, ahubwo bagatekereza ku ishoramari ry’ayo mafaranga yangizwa.

        3.     Irinde kuba karyamyenda

Akenshi imyenda ifatwa n’abantu bifuza gukora ibikomeye bishobora no kuzabyara inyungu ifatika yakwishyura iryo deni. Nyamara inzira ntibwira umugenzi kuko ushobora kwitega ibyiza ukakira ibibi, niyo mpamvu Warren atanga inama yo kwirinda gufata amadeni y’ikirenga.

Nubwo atarwanya ideni kuko rifasha mu buryo bumwe cyangwa ubundi, uyu mukire avuga ko, mu gufata ideni hadakwiye gushingira kucyo ugiye kurikoza gusa, ahubwo ko hakwiye kuba hari izindi nzira zatekerejwe zakwifashishwa igihe umushinga wapanze wahombye.

        4.     Gutinyuka gushora

Warren Buffer umuyobozi mukuru wa Berkshire Hathaway yavuze ko bigoye kwinjiza utashoye kandi ko abatinya gushora batagira icyo binjiza, nyamara n’ushoye adatekereje kabiri akaba yahomba.

Atanga inama ivuga ko, gushora bituma habaho no gukura amaboko mu mufuka umuntu agakora aharanira kunguka, nyamara uwaryamye agaceceka we ntacyo yinjiza uretse guhorana ubwoba bw’uko yahomba.

      5.     Kwishimira ubuzima no kubaho mu mahoro

Warren yavuze ko, nyuma yo gushora, ukwiye kubaho ubuzima bwishimye ndetse no kwiha amahoro mu buzima ubayeho aho guhora uhangayikiye ubuzima.