uburyo bwizewe bwuburyo wabika amafaranga

     

 




1. Kandamiza ibyago byawe

    Igihe cyo kumenyesha ni ugufata bimwe mu byo wemerewe gukurikirana icyangombwa cy’amafaranga kugirango ujye ubanza kugurisha amafaranga. Reka dufate igitsina cy’ibyo uteka. Kandamiza ibyago byawe buri cyumweru—ngyo zibera amakofi yose, ibyuma by’umuryango, amafaranga udukuramo kandi akariso y’amashuri menshi. Kandamiza ibyago byawe ikintu cyoroshye gikunze—a pencil na papayi, isipure y’amavuta cyangwa itegeko rya rimwe ku rubuga rw’ibihangano cyangwa ikigendiyere kibi cyangwa ikoranabuhanga cy’amashuri menshi cyangwa ikiyobo kibi. Ese urebwa n’ibyangombwa byawe by’ikariso cy’ikiringa n’imiryango y’ikiringa kugirango uhambiremo ibyo wemerewe gukurikirana.


2. Tanga kurinda mu bujiji bwawe

    Ubu uri kumenyesha icyangombwa ufite mu minsi, ushobora kubyara ibujiji. Ibuhebu bwawe buhagarika icyangombwa cyawe kuri ubwo butumire ku mafaranga wakoresheye, kugirango wemerewe gukora icyubahiro cyawe kandi ushakira kugira icyo wiyemeza gukurikirana. Urebe gukurikirana abafite ikipe nyinshi muri iryo bujiji bwawe kandi ukwemeza kugura mafaranga kuri wewe. Ushobora gukora icyubahiro cy’ibirahure mu bujiji bwawe kandi utinya kugura mafaranga kugirango ari byo bihuriye.


3. Guhindura uburyo bw’igendere

    Muramenye ushobora ntabwo ukurinda byinshi ufite icyemezo, byaba byiza kuba wemera kwirinda ku ibikorwa usaba icyangombwa cyawe. Kurinda ibindi biranga kuri ubwo bujiji bwawe, byitangaje kandi usaba kugirango ugereranwe ku gihe ku gihe. Ibintu byo kuvugurura ku isi kugirango ushobore kumenyekana n’ibyo wemerewe kwishyura ibihe bihora:


    Gutahe indimi cyangwa ibiranga

    Kora ibitekerezo, nk’abandi, kugirango utazishyura cyangwa urashobora kuzishyura nini.


    Ibuka ibice byo kubonana no gukora indirimbo

    Zira izindi zirimo mu mafaranga y’amavuta, kugirango ushobore kuzakuramo kandi umwaka wakoresheje.


    Jya ukururana iyo waguramo

    Ku munsi mwiza, ushakira kwihaza mu rugo, kandi ukangura amasaha y’ibyiza bya rumanura mu ishati.


    Genda ugure uko wemerewe gushaka

    Uraba ubona icyumweru cy’igikorwa cy’igisubizo, ushobora kwemera kugaruka ku ibindi. Ushobora gukora icyubahiro cyo gukura kugirango ushakira kugura ibyo.


4. Subiza ibyubahiro

    Ibiranga byiza kugirango utore amafaranga ni kugirango ubanze icyifuzo. Ubyironda kugirango utazumva icyifuzo ufite—bya cyangwa bihe byihariye (umwaka umwe ku mwaka witwa igihe ari icya nderabuzima), gusuzugura cyangwa igitaka cy’igare. Ubyironda icyifuzo gikomeye kugirango utazumva icyo wemerewe kugura kandi icyo wemerewe kugura.


    Ibintu byihariye ku mirenge irenga

    Uruko rwawe rw’ibyerekana kandi igihugu cyawe gikiri ku mafaranga yawe, ni byo bikubera kandi ukurinda ibyo wemerewe gukora. Buriya ni ukwibwira uko urushyiraho kugirango urwemere icyo wemerewe.


5. Anganira icyifuzo cy’umugambi wawe

    Nyuma y’amafaranga yawe n’ubusanzwe, icyifuzo cyawe cyemerera kuba na gato ku biranga icyo wemerewe kugurikirana. Kandi urugero, iyo utabizi kugura gahunda y’igare, ubanza ugerageza kugira amafaranga kugirango urebe imodoka yawe. Ahubwo, urebe icyifuzo cy’igare cyangwa icyifuzo cy’igisubizo—ni byo bihuriye kugurisha ibyiza bikomeye. Guhindura icyifuzo cyawe cyo kugurisha kugira ngo wibone uko ukurinda icyifuzo cyawe.


6.Hitamo ibyandikwa byiza

Hari amabwiriza ashobora kugira icyemezo cyo kugurisha cyifuzo cy'amafaranga y'igare n'ikinini. Ntabwo waba ufite gusaba umwe wese. Reka wibuke kugirango urebe neza ibyandikwa byose uzi cyane, kandi wibuke ibibazo bimeze nk'amafaranga y'ikinini, imisoro, amatora y'icyangombwa, ihutirwa, kandi uko ubemerewe gukura icyifuzo kugirango urebe icyifuzo gishya cyo kugura ibyiza.


Ibikorwa by'igare

Ushobora kugira icyemezo cyo gushaka ibyifuzo by'igare cg iby'igare kugirango ubone icyemerewe. Kugirango ugakorerwe icyifuzo wemerewe kwitwa gato cyangwa ushaka kumenya icyo wemerewe kugura ibyo bifite:


Igisaka cy'ubufatanye

Umutwe w'itike ya cash (CD), usanzwe uguramo amafaranga yawe kugirango ufite icyatumye uwumva ku gipimo cyangwa ari cyo cyatumye umuguzi we ufite icyemezo kugirango utabazaga. 


Ibikorwa by'igare

Ushobora kugura kugirango ugemere amafaranga yawe cyangwa ikorabu.


Ibyifuzo by'igare

Ibyo ufite icyifuzo byo kugurisha kugirango wibona ibyifuzo byawe kugirango ugemere kandi urebe icyemerewe.


Ibiranga by'igare

Niba ushaka kugura kugirango urebe icyemerewe kugura icyo wemerewe cyangwa icyo wemerewe cy'igare, hagarika:


FDIC-insured individual retirement accounts (IRAs) cyangwa 529 plans, izo ni ibanki zitandukanye zibugarije ibibazo by'amafaranga kandi zibigereranya ikiciro gishya cy'icyemerewe.


Securities, nk'amabonasi cg amafaranga yo mu by'igare. Ibikorwa by'igare bigizwe kugirango ugure cyangwa ugure. Ayo mashuri akoresha ari ibikorwa by'amabonasi byo mu by'igare kugirango uyigume cyangwa uyitabire cg uyitege.


7.Kora kurinda kigufi(Make saving automatic)

Imbanki zose zibugarije gushaka amafaranga kugirango uzicure mu gitondo cyangwa gukora ibindi bikorwa. Ushobora gukoresha icyaha cyangwa ubona imbere ukaba wemera gutegeka icyangombwa cyangwa igihe, ibyo wemerewe cyangwa usaba icyemerewe kandi kuba icyemerewe cyangwa icyemerewe cy'icyemerewe cy'icyangombwa cyane kugirango uhagarare icyemerewe kugirango umugore we agerageze mu gitondo cyawe. Ihembo: Ntabwo ushaka kumenya icyo ushaka gukora, n'umugore we ugakomeza icyemerewe. Ibikorwa bikomeye cyangwa ibikorwa by'ubuzima biri hafi uko ibyo wemerewe kugurisha kandi ugahomba.

Inama Nziza zo Gushyiraho Ingengo y’Imari ya Buri Kwezi cyangwa Ukoresha Amafaranga Menshi

     

 Abantu benshi bakeneye uburyo bwo kubona aho amafaranga yabo ajya buri kwezi. Ingengo y'imari irashobora kugufasha kumva ko ufite igenzura ry'imari yawe kandi bigatuma byoroha kuzigama amafaranga yo kugera ku ntego zawe. Igikorwa cy'ingenzi ni ugushaka uburyo bwo gukurikirana imari yawe bukubereye. Intambwe zikurikira zirashobora kugufasha gushyiraho ingengo y'imari.

Intambwe ya 1: Kubara umushahara wawe w'umwimerere

Inkingi y'ingenzi y'ingengo y'imari ikomeye ni umushahara wawe w'umwimerere. Uyu ni umushahara wawe ufata mu ntoki—umushahara wose cyangwa amafaranga uhembwa nyuma yo gukuraho ibikurwaho birimo imisoro n'ibindi bikorwa utangirwa n'umukoresha nk'ibikorwa byo kwizigamira mu kiruhuko cyangwa ubwishingizi bw'ubuzima. Kwibanda ku mushahara wose aho kwibanda ku mushahara w'umwimerere birashobora gutuma ukoresha amafaranga arenze kuko uzatekereza ko ufite amafaranga menshi kurusha uko ufite. Niba ukora nk'umufreelancer, umukozi ku gikorwa runaka, umunyabugeni cyangwa ukora ku giti cyawe, ibuka gufata inyandiko z'ibirambuye z'amasezerano yawe n'uko uhemberwa kugira ngo ubashe kugenzura umushahara udahoraho.


Intambwe ya 2: Gukurikirana uko ukoresha amafaranga

Nimara kumenya amafaranga winjiza, intambwe ikurikira ni ukureba aho ajya. Gukurikirana no gushyira mu byiciro uko ukoresha amafaranga birashobora kugufasha kumenya ibyo ukoresha amafaranga menshi no kureba aho ushobora kwizigamira byoroshye.


Tangira wandika ibyo ukoresha bihoraho buri kwezi. Aha harimo imyenda isabwa buri kwezi nka ubukode cyangwa inguzanyo y'inzu, amafaranga y'ibikorwa remezo n'ubwishyu bw'imodoka. Nyuma yandike ibyo ukoresha bihindagurika—ibyo bishobora guhinduka buri kwezi, nko kugura ibiribwa, lisansi n'ibirori. Aha ni ho ushobora kubona amahirwe yo kugabanya amafaranga ukoresha. Inyandiko z'ikarita y'ikarita y'inguzanyo n'iz'amabanki ni ahantu heza ho gutangirira kuko akenshi birangira cyangwa bikagushyira mu byiciro uko ukoresha buri kwezi.


Andika uko ukoresha buri munsi ukoresheje ikintu icyo ari cyo cyose cyoroshye—ikaramu n'urupapuro, porogaramu cyangwa terefone igendanwa, cyangwa imbonerahamwe cyangwa impapuro za budget ziboneka ku murongo.


Intambwe ya 3: Shyiraho intego zifatika

Mbere yo gutangira gusuzuma amakuru wakurikiranye, banza ukore urutonde rw'intego zawe z’igihe gito n'iz’igihe kirekire z'imari. Intego z'igihe gito zigomba gufata hagati y'umwaka umwe kugeza kuri itatu kugira ngo uzigereho, kandi zishobora kubamo ibintu nko gushyiraho ingengo y’imari y'ubutabazi cyangwa kwishyura imyenda y'ikarita y’inguzanyo. Intego z’igihe kirekire, nko kuzigamira izabukuru cyangwa kwiga kw’umwana wawe, zishobora gufata imyaka myinshi kugira ngo uzigereho. Ibuka, intego zawe ntizigomba kuba zihamye nk’ibuye, ariko kuziranga birashobora kugufasha kugira ubushake bwo kuguma ku ngengo y’imari yawe. Urugero, birashobora kuba byoroshye kugabanya uko ukoresha amafaranga niba uzi ko uri kuzigama amafaranga yo kujya mu biruhuko.


Intambwe ya 4: Gira gahunda

Aha ni ho byose bihurira: Ibyo ukoresha amafaranga mu by'ukuri ugereranije n'ibyo wifuza gukoresha. Koresha amafaranga ahindagurika n'ahoraho wakusanyije kugira ngo ubone ishusho y'uko uzakoresha amafaranga mu mezi ari imbere. Hanyuma, gereranya ibyo n’umushahara wawe w’umwaka n'ibyo uha agaciro. Tekereza gushyiraho imbibi zihariye kandi zifatika zo gukoresha amafaranga mu byiciro byose by'amafaranga.


Ushobora guhitamo no gusobanura neza uko ukoresha amafaranga, hagati y'ibintu ukeneye kugira n'ibintu ushaka kugira. Urugero, niba ujya ku kazi buri munsi utwaye imodoka, lisansi iba ari ikintu ukeneye. Ariko, kwishyura buri kwezi serivisi y'umuziki bishobora kuba ikintu ushaka. Iyi mpinduka iba ingenzi cyane igihe uri gushaka uburyo bwo kuyobora amafaranga ku ntego zawe z'imari.

Intambwe ya 5: Hindura uburyo ukoresha amafaranga kugirango uhore ku ntego zawe

Noneho ko umaze kwandika umushahara wawe n'ibyo ukoresha, ushobora gukora impinduka zikenewe kugirango utazarenza urugero kandi ugire amafaranga yo gushyira ku ntego zawe. Reba ku byo wifuza nk'ahantu ha mbere ho kugabanya amafaranga. Ushobora kureka kujya kureba film mu nzu mberabyombi ugahitamo kureba film mu rugo? Niba umaze guhindura uburyo ukoresha amafaranga ku byifuzo, reba neza uko ukoresha amafaranga ku bishyura buri kwezi. Iyo usuzumye neza, ikintu utekereza ko ukeneye gishobora kuba ari ikintu ugoye kureka.


Niba imibare idahuye, reba uburyo bwo guhindura amafaranga ukoresha ku bintu by'ingenzi. Urugero, ushobora kuzigama menshi uramutse ugereranyije ibiciro by'ubwishingizi bw'imodoka cyangwa ubw'inzu? Ibyo byemezo bifite ingaruka zikomeye, bityo, ugomba kubitekerezaho neza urebye amahitamo ufite.


Wibuke ko n'ibizigama bito bishobora kugwira bikaba amafaranga menshi. Ushobora gutungurwa n'ukuntu ushobora gukusanya amafaranga y'inyongera mu gihe ukoze impinduka ntoya imwe rimwe.


 Intambwe ya 6: Gusuzuma ingengo y’imari yawe kenshi

Niba umaze gushyiraho ingengo y’imari yawe, ni ngombwa kuyisuzuma no gusuzuma uburyo ukoresha amafaranga buri gihe kugira ngo umenye neza ko uri ku murongo. Ibintu bike mu ngengo y’imari yawe biba bihamye: Ushobora kubona umushahara wiyongereye, amafaranga ukoresha akaba yahinduka cyangwa ushobora kugera ku ntego ugashaka kugena indi nshya. Icyo aricyo cyose, komeza umuco wo kugenzura ingengo y’imari yawe kenshi ukurikije intambwe zavuzwe haruguru.

Ubumenyi ku Imari y’Umuntu Ku Giti Cye: Inyigisho ku Batangiye (personal finance)

     




 Fata Igenzura ku Mafaranga Yawe kandi Wubake Ejo Heza H'Imari 💸




Kugenzura amafaranga yawe ni ingenzi mu kugera ku nzozi zawe no kubaho ubuzima ushaka. Niba ushaka kwishyura imyenda cyangwa kongera amafaranga yo kwizigama, kugira umushinga uhamye bizabigufasha kugerayo byoroshye. Birumvikana niba wumva wibaza uko wamenya kugenzura imari yawe, ariko ntugahangayike! Hamwe n'intambwe zoroshye, ushobora gutangira urugendo rugana ku ntsinzi y'imari.



Muri iyi nkuru, nzagusobanurira iby'ibanze ku bijyanye n'imari y'umuntu ku giti cye kandi nkwereke uko wakora umushinga ugukwiriye.



🔑 **Iby'ingenzi Ukwiye Kwibandaho**

- Gukora ingengo y’imari ni ugushyira amafaranga yawe ahantu hagenewe aho kwibaza aho yagiye.

- Itegereze ibyiza, ariko witegure ibibi.

- Uwufite imyenda aba ari umucakara w'uwamuheye umwenda.

- Itegereze ibyiza, uteganyirize ibibi, kandi witegure gutungurwa.

- Igihe cyiza cyo gutera igiti cyari imyaka 20 ishize. Igihe cya kabiri cyiza ni none.

- Nta kintu na kimwe kirimo gihamye uretse urupfu n'imisoro.



🤔 Iki Ni Iki Giteganyirizwa Imari?


Guteza imbere imari ni nko gukora ikarita y'ibyo amafaranga yawe azakora. Bigufasha kumenya uko wagenzura imari yawe kugira ngo ugere ku ntego zawe. Ntacyo bitwaye ingano y’amafaranga winjiza cyangwa ubumenyi ufite ku bijyanye n’imari, buri wese ashobora kungukirwa no guteza imbere imari.



Icyiza cya mbere mu guteza imbere imari ni uko bigufasha gufata ibyemezo byiza ku bijyanye n'amafaranga yawe. Ushobora kumva wisanzuye mu bushobozi bwawe bwo kugera ku ntego zawe, nko kwishyura imyenda, kugura inzu, cyangwa kwizigamira izabukuru. Ufata igenzura ku imari yawe kandi ugakora umushinga ugukwiriye, uzaba uri mu nzira yo kugera ku nzozi zawe z'imari no kubaka ubuzima ushaka.



💡 Kuki Guteza Imbere Imari Ari Ingenzi?


Ese wigeze wumva ijambo rigira riti "kunanirwa guteganya ni ukugena kunanirwa?"

"Kunena guteganya ni ukugena kunanirwa." Iri jambo rya kera rikomeza kuba ukuri mu bijyanye no guteza imbere imari. Udafite umushinga uhamye, biroroshye kuyoba no kwibagirwa intego zawe z'imari. Ariko ntugahangayike, gukora umushinga w'imari bishobora kuba igikorwa gishobora gukorwa kandi gishimishije.



Ariko se ni iyihe nyungu yo guteza imbere imari? Icya mbere, bishobora kugufasha kumva ufite igenzura ku mafaranga yawe kandi wizeye ibyemezo ufata. Ugushyiraho intego z’imari zishingiye ku kuri kandi ugakora ikarita yo kuzigeraho, uzaba uri mu nzira nziza iganisha ku ntsinzi y'imari.



Guteza imbere imari kandi biragufasha kugira imyitwarire myiza nko kwizigama bihoraho no kugumana imyenda ku murongo. Niba utabikora kenshi, uraba wibuze imbaraga z’inyungu ziyongera - inyungu ubona ku bintu by'ingenzi no ku nyungu yegeranye.



Usobanukiwe agaciro k'amafaranga mu gihe no gushora imari mu bwenge, ushobora gutuma amafaranga yawe akora cyane kandi ukabona umutekano w'imari yawe y'ahazaza. Ntimutinde - tangira urugendo rwawe rwo guteza imbere imari none kandi ukore inzira igana ku hazaza heza h'imari.

🔎 **Ikarita yawe y'Iguteza Imbere Imari: Gukora Inkingi Ikomeye yo Kugira Intsinzi y'Imari.**



Gukora umushinga ukomeye w'imari ni ingenzi mu kugera ku ntego zawe no kugira umutekano w'ejo hazaza. Byose bitangira no gusobanukirwa uko washyira mu gaciro ibyiciro bitandukanye by'ubuzima bwawe bw'imari no gukora ikarita iganisha aho uri ubu n’aho ushaka kugera.



Intambwe ya 1: Gushyiraho Ingengo y'Imari


Ingengo y'imari ni ugushyira amafaranga yawe ahantu hagenewe aho kwibaza aho yagiye.

Intambwe ya mbere mu gukora umushinga w'imari ni ugushyiraho ingengo y'imari.

Ufata igenzura ku mafaranga yawe, ushobora gushyira imbere ibyo ukoresha amafaranga yawe kandi ukemeza ko ibyo ukoresha bihura n'intego zawe.

Hari uburyo butandukanye bwo gukora ingengo y'imari ushobora gukoresha, kuva ku buryo bwa kera bw'ububiko bw'ibahasha kugeza ku gukoresha porogaramu zo gukora ingengo y'imari. Ariko n'ubwo waba wahisemo ubuhe buryo, icy'ingenzi ni ugukomeza kubikurikiza no kubihindura uko bikenewe.



Intambwe ya 2: Kubaka Ikigega cyo Gufasha mu Bihe Bidasanzwe


Itegereze ibyiza, ariko witegure ibibi.

Ubuzima bupfumbatitse ibitangaza, kandi kugira ikigega cyo gufasha mu bihe bidasanzwe ni ingenzi mu guhangana n'ibibazo bitunguranye by'imari.

Ihame ryiza ni ukugira intego yo kugira amafaranga ahwanye n'amezi atatu kugeza kuri atandatu y'ibyo ukoresha mu buzima bwawe mu kigega cyawe cy'ubutabazi.

Kubaka ikigega cyo gufasha mu bihe bidasanzwe bishobora gufata igihe, ariko buri giceri cyose gifasha.

Tekereza gushyiraho uburyo bwo gutanga amafaranga yikora ku yo kwizigamira ku buryo bwihariye cyangwa kugabanya ibyo ukoresha bidafite akamaro kugira ngo ubone amafaranga yo kwizigamira.



Intambwe ya 3: Kuvana mu Myenda


Uwufite imyenda aba ari umucakara w'uwamuheye umwenda.

Imyenda ishobora kuba umutwaro ukomeye kandi ikabuza kugera ku ntego zawe z'imari.

Gushyira imbere imyenda y’inyungu nyinshi, nko ku makarita y'ubwikorezi, bishobora kugufasha kuzigama amafaranga mu gihe kirekire no kugufasha kuba umwenda ukarangira vuba.

Uburyo bubiri buzwi cyane bwo kwishyura imyenda ni uburyo bwo kwishyura inyungu nyinshi ndetse n’uburyo bwo kwishyura umwenda buhoraho. Uburyo bwose wahitamo, icy'ingenzi ni ugukomeza kwibanda no kwiyemeza kwishyura imyenda yawe.



Intambwe ya 4: Kwishingira Ibintu byawe


Itegereze ibyiza, uteganyirize ibibi, kandi witegure gutungurwa.

Ubwishingizi ni igice cy'ingenzi cy'umushinga w'imari uwo ariwo wose, bukurinda wowe n'umuryango wawe ibyago bidasanzwe bishobora guhungabanya imari yawe. Kuva ku bwishingizi bw'ubuzima kugeza ku bwishingizi bw'inzu cyangwa ubwishingizi bw'igihe runaka, hari ubwoko butandukanye bw'ubwishingizi ugomba gusuzuma hashingiwe ku byo ukeneye.



Intambwe ya 5: Gukora Isoko y'Ishoramari


Igihe cyiza cyo gutera igiti cyari imyaka 20 ishize. Igihe cya kabiri cyiza ni none.

Ishoramari ni igice cy'ingenzi cyo kubaka ubutunzi no kugera ku ntego zawe z'imari.

Hari amahitamo menshi yo gushora imari ahari, nk'ibicuruzwa byimakaza ubutunzi:

- Impapuro z'agaciro

- Impapuro mpeshamwenda

- Amafaranga y'imigabane y'imigabane (mutual funds)

- Impapuro mpeshamwenda za ETFs

- Imitungo itimukanwa

- Zahabu

- Forex

- Cryptocurrencies



Niba uri gushora mu mpapuro z'agaciro, impapuro mpeshamwenda, cyangwa cryptocurrencies, ni ingenzi gusobanukirwa ubushake bwawe bwo guhangana n’ibyago no gushyiraho intego z'ishoramari.



Intambwe ya 6: Guteganyiriza Imisoro


Nta kintu na kimwe gihamye uretse urupfu n'imisoro.

N'ubwo imisoro ari ngombwa, hari uburyo bwo kugabanya umusoro ubarwa ku mutungo wawe no gukomeza kunguka amafaranga wakoreye. Uhereye ku kugura konti zo kwizigamira zifite amahirwe yo kutishyura imisoro kugeza ku gusuzuma uburyo bwo gushora imari butanga inyungu zikwiye, guteganyiriza imisoro ni igice cy'ingenzi cy'umushinga w'imari uwo ariwo wose.



Mu gusoza, gukora umushinga w'imari ni nko kubaka inzu - ukeneye inkingi ikomeye kugira ngo ushyigikire ibindi byose. Gushyiraho ingengo y'imari, kubaka ikigega cy'ubutabazi, kwishyura imyenda, kurinda umutungo wawe, gushora mu hazaza hawe, no guteganyiriza imisoro, ushobora gukora ikarita iganisha ku ntsinzi y'imari no ku mutekano.



Niba usanze iyi nkuru irimo amakuru agufasha kandi wifuza, ndagusaba kwiyandikisha muri "uburyo.com"! Iyo wiyandikishije, uzabona ibitekerezo n'ubundi bumenyi bufatika ku bijyanye n'imari y'umuntu, ishoramari, n'uburyo bwo kubaka ubutunzi byoherezwa mu gasanduku k'ubutumwa bwawe.



Ntuzacikwe n'amahirwe yo kuzamura urwego rw'imari yawe. Niba ushaka gukomeza kujyana n'ibitekerezo byacu by'inkuru nshya n'amasomo, nyamuneka unkurikire.

Urakoze gusoma, kandi nizeye kuzabona uri mu muryango wa Uburyo.com vuba!

BYINCI WAMENYA KURI DERIV (FOREX BROKER)

     


Deriv Review in KinyaRwanda

Muri iri suzuma rirambuye kuri  Deriv, ndababwira  byimbitse

isesengura nakoze kuri uyu mo broker harimo ibyiza n'ibibi. Nanjye nakozeho

suzuma ibintu byingenzi byingenzi, imiterere yubucuruzi, umukiriya

inkunga, hamwe muburambe bwanjye nakoresheje guhitamo

hitamo Deriv Broker nkumufatanyabikorwa wawe wubucuruzi.

Nakoresheje iyi broker  hafi umwaka umwe urenga wisuzuma.

Deriv ni iki??

Deriv ni ni urubuga rwo gucuruza kumurongo rutanga ubugari

urutonde rwibikoresho byimari byubucuruzi, harimo na forex,

ibicuruzwa, cryptocurrencies, hamwe nibimenyetso byerekana uko isoko rihagaze .

Deriv  afite uburambe bwimyaka irenga 20 kandi itanga

 serivise zigezweho ku isoko rya Forex

binyuze mumasoko yubucuruzi yihariye nka Deriv X na

Deriv Go

Deriv  afite abakiriya barenga miliyoni 3 baturutse impande zose

isi kandi yatsindiye ibihembo byinshi Mujyisate cya Forex brokers

Ese Deriv Yaba yizewe ??

Yego ,Deriv irizewe kandi yujuje ibisabwa nka broker

Nkuko byajyiye byemezwa ko igenzwa nibigo bizwi kubijyanye nubukungu birimo

Harimo  MFSA (Malta), LFSA (Malaysia), BVI FSC (British Virgin Islands), na  VFSC (Vanuatu).

Kujyenzwa nibigo bikomeye bikaba ari ijyenzi kuko biba bikurikiza amabyiriza nyayo ajyanye nubucurizi

Bituma itakora amariganya kubakiriya bayo bizwi nka Scamming.

Ese ibyicaro bya Deriv biba he??

Deriv (SVG) ikorera  Hinds Buildings, Kingstown, St. Vincent and the Grenadines (company no. 273 LLC 2020).  ariko  ifite ibiro Dubai (UAE), Malta, Cyprus, Malaysia (3), France, Channel Islands, Paraguay, Rwanda hamwe na Belarus.

Byumvikana ko kuba ifite ibiro mu Rwanda byongerera amahirwe menci kumunu ushaka kuyikoresha aba mu Rwanda.

Ubwoko bwa Konti Deriv ikoresha

Deriv iha abakiriya bayo ama konti 3 yingenzi ariyo:

.Derived Account

.Financial account

.Swap-Free account

Byiyongeyeho derive ikoresha ubundi buryo bya Deriv Go hamwe na Deriv X kandi ubwo bwoko bwose bujyira Demo  Account wakoresha mujyiihe uri kwiga Kuyikoresha.

Konti zose za derive ushobora kuzikoresha kuzindi platform Ziri  third party ,

Kandi umubare witangiriro wamafaranga wogushyira kuri konti yawe ni $5 asaga 6000~frw.

Reka tuvugeho kubwoko konti derive ikoresha.

Deriv Derived Account:

Iyi konti igufasha gucuruza

ibipimo ngengabihe nka boom no Crash, volatility indices, na

Jump Indices  zitangwa gusa na Deriv.

Synthetic indices yashizweho kugirango bikoporore ingendo ya

umutungo nyawo ariko ntugire ingaruka kubintu byabayeho

nk'amakuru, gusohora ubukungu, n'abandi.

Konti ikomoka (izwi kandi nka i synthetic indices ya Deriv

konte) yemerera 24/7 gucuruza no mugihe cyibiruhuko.

Konti itanga urwego rutandukanye rwo guhitamo

kuva, kuzana ibyoroshye cyane kubacuruzi.

Deriv Financial Account:

 (yahoze yitwa Deriv Standard account) yemerera CFD gucuruza kumitungo igera kuri 170+

Hari imini ni mitoya nka stock,stocks candices,commodities,crypo  na ETFs bifite Leverage ya 1:1500.

Iyi konti itakanga icyo twita Straight -Through –Processing(STP).

Deriv Swap-Free Account:

Iyi konte igufasha gucuruza kuri forex,

indices, Commodities, na cryptocurrencies utishyuye overnight interest fees

Deriv swap-konte iraboneka kuri broker zose

urubuga rwubucuruzi, harimo DTrader, SmartTrader, na

DMT5.

Ikwirakwizwa na komisiyo kuri konti zidafite swap ni

muri rusange hejuru gato ugereranije na konti zisanzwe, ariko ibi

ni ugukuraho ikiguzi cya broker itanga swap-free

gucuruza…

Kubitsa Deriv hamwe nuburyo bwo Kubikuza

Deriv itanga uburyo bwinshi bwo kubitsa no kubikuza kuri

buzana korohereza abakiriya bayoharimo .

Credit na Debit Card

Perfect Money

WebMoney

Cryptocurrencies(BTC,Eth….)

Paysafe

Zingpay

Fasapay

Jeton

E-Wallets

Bank Wire Transfer

Payment Agent & Dp2p

Nandi ma Gatways yagufasha kwishyura ukoresheje Mobile Money cyane kubanu bari muri east africa

Buri buryo wakoresheje ushyira amafaranga kuri Deriv ajyira umubare wamafaranga utajya munsi aho dusanga ko muri E –wallets ari 5$ , Debit/credit card , Bank wire transfer ,Payment Agent  ari 10$ ,

Gusa kuri Crypto currencies ho biratandukanye buri mubare Wabasha kohereza urakirwa.

Ibijyanye no kubikuza byose amafaranga ni amwe usibye kuri Crypto currencies Bitcoin ayanyuma wabikuza ni 0.0026 bitewe naho isoko rihagaze.

Ibyiza byo Gukoresha Deriv

-Deriv igusaba  amafaranga make yo kubitsa akora

broker igera kubucuruzi bwose.

-24/7/365 gucuruza ukoresheje Synthetic Indices

-uburyo butandukanye bwo kwishyura

-Umubare munini wubucuruzi bwateye imbere neza

Ibibi byo Gukoresha Deriv

Broker ntabwo atanga ubwoko ubwo aribwo bwa Bonus. Nanone

ibikoresho Byo kwijyijyisha bikunda kuba bike ugereranije na

abandi ba broker.

Deriv ifasha gute abakiriya bahuye nibibazo??

Deriv itanga 24/7

Inkunga yo gufasha abakiriya binyuze muri Live Chat, WhatsApp,

Nahandi hatandukanye.

Gufasha abakiriya Deriv ikoresha indimi cumi n'imwe.

 ⚠
Rero ibyo ni bicye wamenya kuri Deriv mujyice Jyikurikira kubijyanye na derive tuzavuga kuburyo wafungura account .

 

 

 

 

Acyira Amafanga 500FRW kuri buri munu winjije muri spenn😘😘

     




 Uyu munsi rero nkabajyiye kubereka uburyo wabona amafaranga 500FRW kuri buri munu wese ufunguye application yitwa spenn.

Spenn ni application ya telephone ifasha abanu muguherere kanya amafaranga kandi ushobora no kuyifashisha ugura ama inite kuri airtel cg mtn ibirenzeho mubijyanye numutekano wamafaranga ikaba ikorana na I&M bank byahafi.

Ese umunu abona amafaranga yubunu kuri spenn ate?

Dusanzwe tumenyeye izindi application za telephone zibigo bitandukanye aho usanga iyo umunu yinjiye muri application akoresheje code yawe bajyira ibyo baguhemba urujyero nka myairtel app ijyihe winjije umunu baguha 60MB zogukoresha kuri enterneti rero kuri spenn ho nago ariko bimeze ,
kuri spenn iyo umunu yinjiye akoresheje icyo bita invitation code yawe baguha 500FRW uwayikoresheje we bakamuha 300FRW , ushobora kumva ari macye ariko tecyereza uba mu muryango wabanu 10 bose ukabaha code yawe bakayi koresha ubwo wabona 5000FRW.
Gusa wibuke ko amafaranga nago wayabona utakoresheje invitation code yundi munu mukwinjira
Urugero ukoresheje ms8her wabona amafaranga 300FRW yubunu😘

Ese ayo mafaranga 500FRW wayamaza iki?🤗

Spenn ifite ubushobozi bwo kuba yakohereza amafaranga kuri mobile money cg airtel money cg nandi
ma  banki yo Mu Rwanda . byumvikane rero ko ayo mafaranga wakoreye kuri spenn wayabikuza ukayagura icyo ushaka icyirenzeho nuko kohereza amafaranga kuri spenn ni ubunu.

Ese nigute wafungura account kuri spenn

1.ijya kuri http://get.spenn.com/ms8her ukoresheje Telephone maze u doownloading spenn app
2.Niba app yajyeze muri telephone Fungura App ukande ahanditse "Sign up"
3.Harijyihe bakuzanira akanu kerekana simcard zishobora kuba ziri muri telephone mujyihe ubonye murizo nimero nayawe irimo kanda ahanditse "none of the above".


5.Mujyihe wajyiye kuri "none of the above" noneho kanda ahanditse "choose country" maze uhitemo ijyihugu urimo nu hitamo ijyihugu Aho hasi urahita ubona code yijyihugu (+250) maze imbere yaho wandikemo nimero yawe uhereye kuri 7 urugero niba ari MTN urahera kuri 78********
Maze uhite ukanda ahanu hasa icyatsi handitse "looks good,continue".


6.Urahita ubona aho kujya amazina wandike ari kubyangomba niba ufite abiri rimwe uraryandika kuri first name irindi kuri last name niba ufite atatu arandika muri utwo tunu twose.
Nurajyiza ukande ahanditse "Create you pin Code"


7.nurajyiza urahita ubona aho bagusaba kwandika imibare itandatu uzajya uhora wibuka ugakoresha ujyiye kwinzira muri app,
barayikubaza inshuro 2 ushyiremo izisa.


8.harahita haza akanu utejyereze karajyire nikarajyira urahita ubona ngo "welcome to spenn"
mujyihe ubonye ahanditse "invitation code" nakinu jyihari kora kuri ako kanu kimbere yaho urahita ubona aho kwandika Referral code wandikemo ms8her .wibuke nudakoresha referral code cg invitation code nago urabona amafaranga. numara kwandikamo ukande "Apply"



9.numara gukanda apply urahita ukanda ahanditse "take me to my account" ariko mbere yo kuhakanda urebe neza niba hejuru yaho hari aka V imbere ya referral code.


10. mujyihe ukanze kuri "take me to my account" urahita ubona akanu nkakari hasi hano umanze ubike ariya magambo ari hasi ya 'spenn security'
code nurajyiza okore kuri "i understand"  urahita ubona OK isa icyatsi uyikoreho.

11.Urahita ubona akandi kanu gasa nkuko ubibona hasi hano maze ukandee "yes,Right away!"


12.Noneho urahita ubona aho gushyira  code bohereje muri SMS ya nimero wakoresheje kuri spenn
nuzandikamo neza ukandi kukazeru kicyatsi karaba gahari  mujyihe ugakozeho bigakunda urahita ubona amagambo ngo "verfication successful" maze ukande ok




13.Urahita ubona akanu kakubwira ngo "get Welcome bonus" urahita winjira mujyice bita gukora Validation yo isa nkugoyeho gato reba hasi hano hari aka video gato kerekana uko ikorwa.




Niba hari icyibazo uhuye nacyo andika muri comment cg utwandikire kuri whatsapp(+250726965786)

Sobanukirwa HANDYPICK application yagufaha gukorera amafaranga kuri Smartphone yawe

     




  HANDYPICK: Iyi nayo ni application ya telephone yishyura ikorejesheje cryptocurrency yitwa HANDY aho mujyihe ubikuje ushoborakuyi hindura muyandi mafaranga ukoresheje exchange bita coinone,hotbit

Muri akakanya ushobora kureba agaciro ka HANDY ukoresheje aka kanu ubona hasi hano.



Ese nigute wakorera amafaranga kuri HANDYPICK??

Handypick iguha uburyo burenze 2 ushobora gukoresha ukorera amafanga kuri iyi application

Ushobora gukorera HANDY ukina Games (imikino ya telephone)uciye uri iyi application akaba ari nabwo buryo nyamukuru wakoreramo amafaranga menshi kuri iyi application ariko nkuko kuri application yambere nabibabwiye utumura inshuti zawe nokuri handypick buri munu winjiye kuri iyi application akoresheje referral code yawebaguha handy 10 kuri yiyitaricyi nandicyiyeho iyi nkuru handy imwe ni 0.15$ bivuzeko handy 10 ari 1.5$  kuri buri nshuti yawe winjije ikoresheje referral code yawe. Iyi application ifite nubundi buryo nibwinshi wakorera ho amafaranga ariko ubwo nibwo bwibanze ubundi nawe nukora sign up wakihera ijisho.

Wibuke gukoresha referral code yajye ni 9EF06C maze ubone 100 HANDY akokanya mujyihe kuri account yawe ufiteho 1000HANDY nibwo wemerewe kubikuza ako kanya .

Iyi foto ubona hasihano igaragaza amafanga yo kuri handypick abikurije kuri TRUST WALLET.


niba gukora sign up bisankibyakugoye ifashishe youtube maze urebe video yuburyo wakoa sign up .

Nukora SIGN UP kuri iyi application wibuke ukoreshe referral code yajye 9EF06C


 

Sobanukirwa application yitwa ziktalk igufasha gukorera $134 mucyumweru😍😍

     






 Mu Rwanda iyo weretse abanu uburyo bwo gukorera amafaranga online iyo Atari gushora amafaranda akaba ari ubunu kubukoresha akenshi baraseka noneho wavugako ari application ya telephone byo bikaba akarusho bakakwita umusazi noneho usanga uburyo nkubu bwaba bwiza kubanu baziranye nabanu benshi nkabanyeshuri cg undi munu uziranye nabanu benshi rero uyumunsi jyiye kubereka application za telephone ushobora kwifashisha ukaba Wabasha gukorera 200,000frw mukwezi ari ukuzikoresha gusa nacyindi cyiguzi bisabye.

Mbere yuko najyira kubereka izo application ndajyirango manze mbabwire ko zose zishijyiye kuri cryptocurrency utumva mvuze 200,000frw ashobora no kurenga bitewe naho isoko ryazo riri.

1.Ziktalk: ni application ya telephone ubusanzwe ikora nkurubuga nkoranyambaga(social media) bivuzeko ushobora gushyiraho amafoto ama video yawe ,icyirenzeho iyi application igufasha kwiga indimi zitandakunye aho iyo uyifungura(sign up) bakubaza ururimu uzi nurwo ushaka kwiga kuburyo inshuti zawe kuri urwo rubuga zibona ururimi uvuga kuburyo kuganira byoroha.

Ziktalk yishyura gute?

Ziktalk yishyura ikoresheje ifaranga(coin) bita ZIK ni crypto currency ushobora guhindura muyandi mafaranga ukoresheje PROBIT exchange.

Akakanu ubona hasi hano kerekana agaciro ka ZIK.

 Ziktalk yishyura buri uko post yawe ikunzwe nabanu benshi buri like ni +1 ZIK nawe wa likinga iyabandi ukabaha +1 ZIK ivuze ko kuri account yawe havaho -1 ZIK nukuvuga ko niba ubonye like 1000 kuri account yawe hajyaho +1000 ZIK, umunu ugu followinze aguha +3 ZIK nawe uwo u Followinze ukamuha 3 ZIK .

Ushobora kumva bigoye wenda ngo nimacyeya kuko amacye yo kubikuza ari 10000ZIK ariko  biroroshye  ibanga ni ugutumira incuti zawe kujya kuri ziktalk maze buri mushuti we uje bakaguha 250ZIK urumva ucyeneye abanu bacye maze ukuzuza 10000ZIK ,ijyihe nabikuje kuri iyi app 25000ZIK zari $134+.

Najye nkoresheje ubu buryo bwo gutumira inshuti zajye kuri ziktalk nabashije gukorera 134+USD muminsi 3 urumva rero nibinu byoroshye  iyi foto ureba hasihano ni screenshot nafashe amafaranga yajyeze kuri probit , nabikuje  25000ZIK.

Aho handitse Estimated value ni balance yajye yose yari iri kuri probits .

NIgute utumira inshuti zawe?

Iyo uri gukora SIGN UP kuri iyi application hari aho bakubaza referral code ushyiramo referral code zuwagutumiye najye nukora sign up wibuke gukoresha iyajye nuyikoresha ndabora 250ZIK nawe ubone 500ZIK yikaze.

referral code yajye ni EVL1ZX0J

niba gukora sign up bisankibyakugoye ifashishe youtube maze urebe video yuburyo wakoa sign up .


Referral code:EVL1ZX0J



link>>>>> https://ziktalk.net/?r=EVL1ZX0J

 📢📢📢UPDATE UBU KUBIKUZA NI 1000ZIK NIBICIRO BYO Gukora like na post byazamuwe so enjoy!!!📢📢

Umu broker Wambere wa Forex Trading Mu Rwanda (TemplerFX)

     



 Reka uYumunsi tuvuge kurubuga twakita urwambere mu Rwanda muzizwi nka brokers wa forex trading mu Rwanda ,ururubuga barwita TemplerFX nkuko nabibabwiye ni Broker wa Forex trading rukaba Rwaratajyiye gukora guhera muri 2004 kujyeza kuri ubu rukaba rufitwe na nicyigo bita Templer Holdings Management Limited. jyikora ibijyanye na forex trading 

Rero munyihanganire hari amagambo nabuze uko nyashyira micyinya Rwanda Ndakoresha uko ameze.

Link :https://templerfx.com/

Ese Templerfx ifite ubwoko Bungahe Bwa account??

Templerfx ijyira ubwoko bu 5 bwa account aribwo Universal,cent,muslim,MAM na segregated account.

Universal account ni account ishobora gushyirwaho amafarnga atari munsi ya $25 akaba iba muma USD gusa ikaba ihera kuri 0.1 PIPS akaba ifite Leverage yanyuma kujyera kuri 1:1000.

Cent account ni account yabanu bajyitajyira aho amafaranga yanyuma you gushyiraho ahera kuri $1 amafaranga ushyizeho ahita yijyana muri cent kuvuga ko $1 ihita iba ama cent 100 nayo leverage yanyuma ikaba 1:1000 na Pips guhera kuri 0.1.

Muslim account ni account izwi nka islamic account ushobora kuyihinduramo Universal account ijyihe cyose bivuzeko bihuje buri cyimwe uretse ko yo kuyifungura broker amanza akakubaza niba uri umu islam koko.

MAM account yo ni account yabanu bafite agatubutse aho gushyiraho amafaranga ahera kuri $1000 igatangirira kuri pips 0.1 na  leverage yanyuma ya 1:1000.

account yanyuma bita Segragated account yo isaba $50,000 kujyirango ushyireho amafaranga ibindi byo nka leverage na pips nicyimwe nizindi

Nigute wanshyiraho amafaranga cg ukayakuraho kuri Templerfx ?


Dore link ijya kurutonde rurerure rwuburyo bwo Kubika no kubikura

Nuko ururutonde rutavuguruye ariko icyiza jyituma uyu mu Broker abanu bamukunda nuko afite uburyo bwogukoresha mobile money ushyuraho cg ukuraho amafaranga kubanu bari murwanda rero bigatuma abanu bamukunda.

Ibirenzeho:uyu mu broker gu trading akoresha Metatrade 4(MT4) yaba kuri computer,Smartphone na web browsers akaba anafite ama muma promosiyo aho iyo ukoze deposit ushobora kubona inyojyera ya 5%,10%,15% ,Kandi uyu mu broker arizewe  100% .