Umunyamafaranga Warren Buffer wavuzwe mu bagabo batunze agatubutse kuva mu myaka ya kera, ndetse akaba umunyamerika w’umushoramari ukunze gutanga ubujyanama ku ishoramari no kubungabunga umutungo yatanze inama zikomeye zahindura benshi abakire.
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.
TANGA IGITECYEREZO