Andrew Beal

**Daniel Andrew Beal** (an haife shi a ranar 29 ga Nuwamba, 1952  ) ɗan banki ne na Amurka, ɗan kasuwa, mai saka hannun jari, kuma masanin lissafi mai son aiki. Shi ɗan kasuwa ne da ke Dallas wanda ya tara dukiya a fannin gidaje da banki. An haife shi kuma ya girma a Lansing, Michigan, Beal shine wanda ya kafa kuma shugaban Beal Bank da Beal Bank USA, da kuma wasu kamfanoni masu alaƙa. A cewar Jerin Biliyoyin da Aka Yi a Forbes a 2025, Beal yana da kimanin darajar dala biliyan 12. 

Beal, wanda masanin ka'idoji ne, an kuma san shi da zato na Beal,  wani tsari na lissafi na ka'idar Last Theorem ta Fermat . Ya ba da tallafin kuɗi na dala miliyan 1 don shaidarsa ko rashin tabbas.  Bankunansa suna ɗaukar nauyin bikin baje kolin kimiyya da fasaha guda biyu na shekara-shekara waɗanda ke da alaƙa da Bikin Kimiyya da Injiniya na Duniya.  Beal ya halarci wasu wasannin poker masu tsada a tsakiyar shekarun 2000 waɗanda littafi ya mayar da hankali a kansu. 

## Rayuwar farko da ilimi
Beal ya girma a Lansing, Michigan, inda mahaifiyarsa ke aiki a gwamnatin jiha, kuma mahaifinsa injiniyan injiniya ne. 'Yan uwansa sun haɗa da babban ɗan'uwansa da ƙanwarsa.  Tun yana matashi, Beal ya fara samun kuɗi ta hanyar gyara da sake sayar da talabijin da aka yi amfani da su tare da taimakon kawunsa. Yayin da yake makarantar sakandare, ya kuma kafa tsarin tsaron gidaje. Ya kuma fara kasuwanci yana ƙaura da gidaje da kuma kula da gidajen haya. 

Beal ya yi fice a ƙungiyar muhawara ta makarantar sakandare a Makarantar Sakandare ta Lansing Sexton kuma ya ci gaba da yin rajista a Jami'ar Jihar Michigan, inda ya yi karatun lissafi. 

## Harkokin kasuwanci da saka hannun jari

### Zuba Jari a Gidaje
A lokacin da yake da shekaru 19, Beal ya zama mai zuba jari a harkar gidaje lokacin da ya sayi gida a Lansing akan dala 6,500 kuma ya fara hayar sa akan dala 119 a kowane wata. Beal ya shahara da siyan gidaje, gyara su, da kuma sayar da su. A shekarar 1976, ya halarci gwanjon kadarorin tarayya a Washington, DC da kuma yin tayin gina wani gini a Waco, TX . Tayin da ya yi nasara shine dala 217,500. Shekaru uku bayan haka ya sayar da ginin akan dala miliyan 1. Haka kuma a shekarar 1976, ya yi rajista a Jami'ar Baylor da ke Waco, TX, amma ya bar makaranta don mai da hankali kan harkokin kasuwanci.

A shekarar 1981, Beal da wani abokin tarayya sun sayi gine-ginen gidaje guda biyu da suka lalace, wato Brick Towers da ke Newark, New Jersey, kan dala $25,000. Shekaru biyu bayan haka, sun sayar da gine-ginen da aka gyara kan dala miliyan $3.2 ga wani mai zuba jari mai zaman kansa. A shekarar 2017, ya sayar da kadarorinsa na Dallas, Texas, wanda a da aka lissafa kan dala miliyan $132, ta hanyar Concierge Auctions kan dala miliyan $36.2. 

### Bankin Beal da Bankin Beal Amurka
A shekarar 1988, Beal ya buɗe banki a Dallas, sannan a shekarar 2004, ya buɗe wani a Las Vegas. Tun daga lokacin, bankunan sun sayi kadarorin kuɗi kuma sun riƙe su yayin da kasuwa ke inganta. Sayayyar bankunan ta haɗa da:

* Haɗin samar da wutar lantarki da kayayyakin more rayuwa a lokacin da aka samu matsalar toshewar wutar lantarki da kuma rage tasirin makamashi a shekarar 2001 bayan rikicin Enron California
* Takardun bashi da jiragen sama suka tallafa bayan harin ta'addanci na 9/11 a Amurka
* Lamunin kasuwanci da na gidaje a lokacin rikicin bashi na duniya na 2008

Bisa ga Rahoton Ayyukan Bankin Uniform daga Majalisar Jarrabawar Cibiyoyin Kuɗi ta Tarayya,  Ribar da Bankin Beal ya samu kan kadarorinsa (ROA) ya kai 8.1 a shekarar 2008, sau da yawa fiye da ƙungiyar takwarorinsa (bankunan ajiyar kuɗi masu inshora waɗanda ke da kadarori sama da dala biliyan 1).  Daga 2009 zuwa 2012 Bankin Beal ya wuce ƙungiyar takwarorinsa gaba ɗaya. 

ROA na Beal Bank USA ya fi na takwarorinsa sau da yawa (bankunan kasuwanci masu inshora waɗanda ke da kadarorin da suka wuce dala biliyan 3). 

Bankin Beal da Bankin Beal na Amurka sun bayar da rahoton cewa jimillar jarin da suka kai sama da dala biliyan 2.7 da kuma jimillar kadarorin da suka kai sama da dala biliyan 7.2 a watan Yunin 2019. 

Suna da jimillar wurare 37 na reshe kuma suna ba da banki ta yanar gizo. Duk bankunan biyu membobi ne na kuma suna da inshorar Hukumar Inshorar Kuɗi ta Tarayya (FDIC). Suna ba da kayayyakin ajiya ga jama'a, gami da CDs, asusun kasuwar kuɗi, asusun ajiyar kuɗi, da asusun CD na IRA waɗanda FDIC ta yi musu inshora. Saboda ba sa bayar da lamunin mabukaci ko asusun dubawa, ana ɗaukar bankunan a matsayin bankunan jimla. Dukansu bankunan suna siyan wuraren jinginar gidaje na farko waɗanda ba na hukuma ba da kuma lamunin gidaje da aka tabbatar da mallakar gidaje don tallafawa lamunin kasuwanci da shiga cikin lamuni da haɗin gwiwa, ta hanyar haɗin gwiwa.

Manyan kasuwancin Beal a shekarar 2021 sun haɗa da:

* Bankin Beal, wanda ke Dallas
* Beal Bank USA, wanda ke Las Vegas, NV, kuma aka kafa shi a watan Agusta na 2004 (wanda a da Beal Bank Nevada ne)
* CSG Investments. Inc.,  wanda ke Dallas
* Kamfanin Lamuni,  wanda ke Dallas
* Asusun Hedge na CLG, LLC,  wanda ke Dallas

### Beal Aerospace
A shekarar 1997, a matsayin wani ɓangare na tsarin mallakar sararin samaniya wanda gwamnatin tarayya ta ƙarfafa, Beal ya kafa wani kamfanin jiragen sama don ƙera rokoki da nufin sanya tauraron ɗan adam na sadarwa a sararin samaniya. Kamfanin Beal Aerospace yana aiki tare da ma'aikata sama da 200 daga wani fili mai faɗin ƙafa 163,000 a Frisco, Texas, kuma ya mayar da hankali kan roka mai matakai uku, mai tsawon ƙafa 200. Injin yana amfani da hydrogen peroxide da kerosene, wanda ya kawar da buƙatar tsarin kunna wuta daban saboda, yayin da hydrogen peroxide ke yin oxidizing, yana kunna kerosene.

Bayan fuskantar gasa daga Shirin Harba Sararin Samaniya na NASA, Beal ya rufe kamfanin ya kuma dakatar da ayyukansa a ranar 23 ga Oktoba, 2000. Beal ya ambaci ayyukan kasuwancin NASA a matsayin babban dalilin rufewa, gami da wahalar da tsarin harba jiragen sama masu zaman kansu ke fuskanta lokacin da suke fafatawa da tallafin gwamnati na NASA.  

### Taimakon jama'a
Beal ya bayar da gudummawar miliyoyin daloli don tallafawa shirye-shiryen kimiyya da lissafi. Ta hanyar bankunansa, Beal yana ɗaukar nauyin taken shekara-shekara na:

* Bikin baje kolin kimiyya da injiniya na yankin Dallas,  wanda ke da alaƙa da Jami'ar Southern Methodist
* Bikin baje kolin kimiyya da injiniya na yankin Kudancin Nevada,  wanda ke da alaƙa da Jami'ar Nevada, Las Vegas

Duk waɗannan bukukuwan an amince da su ne a bikin baje kolin kimiyya da injiniya na duniya, kuma a buɗe suke ga ɗalibai a aji 6 zuwa 12, waɗanda suka yi nasara za su ci gaba da shiga gasa ta ƙasa da ƙasa.

Bankin Beal shine mai tallafawa fannin *Kimiyyar Sinadarai* na bikin baje kolin kimiyya da injiniya na duniya (ISEF), wanda aka gudanar a Dallas a watan Mayun 2023. 

Beal ya kuma bayar da gudummawar dala miliyan 1 ga Gidan Tarihi na Yanayi da Kimiyya na Perot  da ke Dallas, wanda aka buɗe a watan Disamba na 2012. Kamfanonin Beal sun ba da gudummawar kwamfutoci sama da 200 ga Gundumar Makaranta Mai Zaman Kanta ta Dallas  don amfanin ɗalibai.

## Zato na Beal
A shekarar 1993, Beal ya fitar da hasashen Beal, wanda ke nufin Ka'idar Ƙarshe ta Fermat a matsayin abin da zai biyo baya . Domin ƙarfafa bincike kan zato, Beal ya ba da tallafin kuɗi na dala miliyan 1 saboda shaidarsa ko rashin tabbas. Ƙungiyar Lissafi ta Amurka ce ke riƙe da kuɗaɗen,  kuma Jami'ar North Texas ce ke ɗaukar nauyin wani gidan yanar gizo mai ba da bayanai kan Zato na Beal. 

Har zuwa watan Janairun 2025, kyautar Beal Conjecture har yanzu ba a karɓa ba.

## Wasan Poker
A lokacin ziyarar da ya kai Las Vegas tsakanin 2001 da 2004, Beal ya shiga wasannin poker masu tsada da 'yan wasa ƙwararru. Wasannin sun haɗa da iyakar $100,000 zuwa $200,000 na Texas Hold 'Em poker. A ranar 13 ga Mayu, 2004, a Las Vegas Bellagio, Beal ya lashe ɗaya daga cikin manyan masu hannu ɗaya a tarihin poker, dala miliyan 11.7. An rubuta wasannin a cikin littafin Michael Craig mai suna The Professor, the Banker, and the Suicide King: Inside the Richest Poker Game of All Time .

Duk da cewa wasannin da aka bayyana a cikin littafin Craig sun ƙare a 2004, Beal ya koma Las Vegas daga 1-5 ga Fabrairu, 2006 don sake fafatawa da "The Corporation" a wasan Limit Hold 'Em na dala $50,000/100,000 a Wynn Las Vegas Casino. Masu adawa sun haɗa da Todd Brunson, Jennifer Harman, Ted Forrest, da sauransu.

A ranar 5 ga Fabrairu, 2006, Beal ya faɗi da dala miliyan 3.3. Daga nan ya koma gidan caca na Wynn bayan mako guda, kuma ya lashe kusan dala miliyan 13.6 daga kamfanin a lokacin zaman wasan karta na yau da kullun daga 12 zuwa 15 ga Fabrairu.  Wasannin sun ci gaba daga 21 zuwa 23 ga Fabrairu, inda ɗan wasan karta na duniya Phil Ivey ya wakilci Kamfanin da Beal a kan iyaka tsakanin $30,000/60,000 da $50,000/100,000. A cikin waɗannan kwanaki uku, Beal ya rasa dala miliyan 16.6 ga Ivey.  A cewar Jennifer Harman, a lokacin wata hira da aka yi da shi a Poker Podcast tare da Daniel Negreanu a ranar 26 ga Oktoba, 2016, wasannin sun kai dala $100,000/200,000. 

## Rayuwa ta sirri
Yana da 'ya'ya biyu tare da matarsa ta farko.  A shekarar 1996,  ya auri Simona Beal, 'yar ƙasar Estonia  .  Suna da 'ya'ya huɗu.  Simona ta shigar da ƙarar saki a shekarar 2010.  Beal yana da 'ya'ya uku tare da Olya Sinitsyna.  

Beal ɗan sassaucin ra'ayi ne.  A zaɓen shugaban ƙasa na Amurka na 2016, Beal da farko ya goyi bayan Rand Paul, inda ya ba da gudummawar dala 250,000 ga kamfen ɗin sanatan.  Bayan fitar Paul daga takarar, Beal ya goyi bayan Donald Trump a matsayin Shugaban Amurka a 2016.  Beal ya yi aiki a matsayin ɗaya daga cikin manyan masu ba da shawara kan tattalin arziki ga kamfen ɗin Trump na 2016.  Beal ya ba da gudummawar dala miliyan 2 ga wani babban kamfanin Trump PAC a watan Satumba na 2016, da kuma wani dala miliyan 1 don bikin farko a cewar *Forbes* .   Ya ba da gudummawar dala 1.8miliyan ga yakin neman zaben Trump na 2020. 

Bayan mamayar da aka yi wa Majalisar Dokokin Amurka a watan Janairun 2021, wani mataimaki ga Beal ya shaida wa *Bloomberg News* cewa Beal "bai san abin da ya faru ba"... kuma ba ya yarda da rahotannin labarai na yau da kullun ba. " 

## Manazarta