Njira zogwirira ntchito kuti tipeze amoyo mu 2019

2019 Si chinsinsi kuti chaka chino 2019 chikhala chovuta kwambiri pamisika yonse yazachuma, ndalama zonse komanso ndalama zokhazikika. Izi zikuwonetsedwa ndi upangiri wa akatswiri ofufuza zachuma omwe akuchenjeza kuti chaka chino chitha kubweretsa zodabwitsa zambiri kwa omwe amagulitsa ndalama zazing'ono komanso zapakati. Mwanjira imeneyi, mndandanda wosankha msika wamsika waku Spain, Ibex 35, umayamba kuchokera pagulu lotsika kwambiri m'zaka zaposachedwa. Makamaka, kuchokera Mfundo za 8.500 ndipo atatsika mu 2018 osachepera 15%, mogwirizana ndi misika ina yapadziko lonse.

Mwanjira imeneyi, chiyembekezo chodzakhalira msika wamsika sichikulonjeza konse. Osachepera pang'ono. Ngakhale kuti dipatimenti yowunikira Bankinter ikuwona kuti "tikupitilizabe kuganiza kuti sizomveka kuti misika yamasheya ingatsekeke ndi zotayika zotsatira zamabizinesi zikachulukirachulukira ndipo chuma cha padziko lonse chikucheperachepera koma sichikubwera kuzachuma chilichonse." Ndi mfundo yakukhala ndi chiyembekezo yomwe sichikugawidwa ndi ena omwe amatithandizira pazachuma omwe ali olakwika kwambiri mu kuzindikira amachita misika yamalonda chaka chino.

Limodzi mwa malingaliro awa likuchokera kwa akatswiri azachuma odziyimira pawokha omwe amachenjeza kuti m'miyezi ikubwerayi Ibex 35 atha kuyendera milingo pamalo 6.500. Izi zikutanthawuza kuti ndalama zadziko lapansi zitha kutsika m'mitundu iwiri ndikuti zotayika zikhala zazikulu kwambiri kwa osunga ndalama omwe ali ndiudindo pazachuma. Panorama momwe kusiyanasiyana kuli kowonekera bwino pakati pa oyimira pakati azachuma osiyanasiyana. Chifukwa chake, njira yayikulu yomwe mabizinesi ang'onoang'ono komanso apakatikati angatengere kukhala anzeru komanso koposa zina zaumisiri.

Njira mu 2019: mwayi

miyezo Zachidziwikire, palibe kuchepa kwa mawu ovomerezeka omwe amatsindika kuti chuma chidzakhala bwino chaka chino. Kumene kuwerengera kuli kotsika kwambiri, ndipo phindu limawoneka likukula pafupifupi 6% ndi 8%. Chifukwa cha izi zomwe zikuwonekeratu m'misika yamalonda, zikuwoneka kuti msika wamasheya ukuyenda bwino. Akatswiri ena azachuma, monga ochokera ku Bankinter, akuti msika watsopanowu uyenera kukhala wabwino kwa osunga ndalama, ndikupeza ndalama zopitilira 10%.

Kumbali inayi, chinthu chimodzi chikuwoneka momveka bwino kwa onse, ndikuti panthawiyi osunga ndalama akuyenera kufotokozera njira yawo yolimbana ndi kuchepa kwachuma kapena ngakhale kutsika kwachuma komwe akatswiri amalengeza. Ndikwanzeru kukhala osamala kuti tipewe zonse zomwe zidachitika pamavuto azachuma am'mbuyomu. Komwe gawo labwino la ogulitsa lidasiya mayuro ambiri panjira. Pamwambowu, malingaliro a akatswiri pamsika sakugwirizana, motero kufotokoza njira yogwiritsira ntchito ndalama sikungakhale kovuta chaka chino. Zinthu zofunika monga nkhondo yamalonda pakati pa US ndi China, Brexit kapena kusankhidwa kwa zisankho monga ku Europe mu Meyi kungakhudze kwambiri chitukuko chamisika yamasheya chaka chino.

Pitani mwachidule

Poyang'anizana ndi izi makamaka, njira yoyamba yogwiritsira ntchito ndalama imaphatikizapo kukhazikitsa ntchito zogula ndi kugulitsa munthawi yochepa kwambiri. Ndi njira yabwino kwambiri yotetezera ndikusunga ndalama zathu pokumana ndi zovuta m'misika yamayiko akunja. Mwanjira imeneyi, malingaliro abwino pantchitoyi amatengera kugwira ntchito ndi zotetezedwa zomwe zili ndi Kulimbikitsana zosangalatsa kwambiri. Maimidwe atha kupangidwa patangotha ​​masiku ochepa. Pofuna kuti tisakwereke m'malo achitetezo chofufuzidwa.

Chaka chilichonse, uno si chaka choti muchite ntchito zolimba kwambiri. Pokhapokha atakhala nawo kwa moyo wathu wonse, monga makolo athu kapena agogo athu ankachitira nthawi zina. Kumene inali chuma chomwe chinali gawo la cholowa. Iyi si nthawi yoyenera kukhalabe m'mayendedwe chifukwa amatha kukhala okwera mtengo kwambiri. Makamaka ngati pangakhale zosowa zakanthawi.

Pezani Zotetezedwa Zazikulu

Ino si nthawi yoti muyesere zida zazing'ono kwambiri. Mwa zifukwa zina zakufunika kwapadera, chifukwa ndi zomwe zimawonetsa kusasinthasintha kwakukulu pakupanga mitengo yawo. Kupitilira pazolingalira zina zachitetezo chomwecho. Chifukwa chake kuli bwino kuthana ndi zikuluzikulu zazikhalidwe. Sikuti achita bwino, koma kuti apereka chitetezo chochulukirapo kwa omwe amagulitsa ndalama zazing'ono komanso zapakati.

Kumbali inayi, ndi zisoti zazikulu nthawi zonse zimakhala zosavuta kwa kuchira pamitengo yawo. China chake chomwe chimawononga ndalama zambiri m'makampani ang'onoang'ono komanso apakatikati chifukwa nthawi zina samafika pamilingo yambiri. Pazaka zingapo zapitazi pali zitsanzo zambiri zomwe zikuwonetsa izi. Ichi ndiye chifukwa china chosankhira masheya akutsogola pamisika yadziko lonse kapena yapadziko lonse lapansi. Osati pachabe, mudzakhala otetezedwa nthawi zonse komanso koposa zonse pakakhala kusakhazikika kwakukulu pamsika wamsika.

Lemberani choletsa

Imani Kuyika dongosolo lanu logula ntchito yotchedwa kuyimitsidwa koyimitsidwa sikukhala kofunikira kwenikweni mchaka chovuta kwambiri monga chikuyembekezeredwa kukhala 2019. Mwakutero, Chitetezo kuteteza zofuna zanu ngati wochita ndalama zazing'ono komanso wapakatikati. Pazifukwa zosavuta kufotokoza ndipo izi zimangokhala ndi zotayika zomwe mungaganizire kutengera zosowa zanu. Mwanjira imeneyi, mudzapewa kukhala ndi chizolowezi cholandila ndalama zomwe mumapeza.

Kuti mugwiritse ntchito dongosolo ili la malire azowonongeka pazofunikira kokha kuti muwonetse pamtengo womwe mungathe gwiritsitsani m'mathithi m'misika yamalonda. Ndi njira yothandiza kwambiri yomwe ingakuthandizeni kusunga ndalama zomwe mwapeza pamwambapa pazinthu zina zaluso. Kuphatikiza apo, itha kugwiritsidwa ntchito ndi wochita ndalama aliyense ang'onoang'ono komanso wapakati komanso osakhala ndi ndalama zilizonse kapena ma komishoni. Ili lotseguka ku mitundu yonse yamakampani omwe amagulitsa masheya.

Musatengeke ndi zopanduka

M'chaka chino, chiwerengero chofunikira monga kubweza pamsika wamsika chidzakhala chowopsa kwambiri. Chifukwa mutha kugwera mumisampha yomwe misika yazachuma imagula ndikugula zomwe mutha kumva chisoni mukangogulitsa pang'ono. Chifukwa kusiyana pakati pa mtengo wotchulidwa ndi mtengo wogula itha kukhala patali kwambiri. Ichi ndi chimodzi mwaziwopsezo zowonekera kwambiri zomwe mudzawululidwa mchaka chino chovuta kuti mupange ndalama zopindulitsa ndi gulu ili lazachuma.

Mbali inayi, simungayiwale kuti zomwe zabwerera mu Njira zamagetsi ziyenera kugwiritsidwa ntchito motsutsana. Ndiye kuti, kuti muchepetse mbiriyo pang'onopang'ono. Palibe china chifukwa mutha kudzipeza nokha muli zinthu zosafunikira kwambiri ndipo izi zitha kupangitsa kuti likulu lanu ligwe moopsa. Izi ndi zomwe muyenera kuzolowera miyezi ikubwerayi. Chifukwa palibe kukayika kuti likhala limodzi lamayeso akulu kwambiri omwe muyenera kukhala nawo pamisika yamsika.

Chokani kuzinthu zotsutsana kwambiri

okayikitsa Komabe, ngati zingachitike, ngati mukufuna kuchita nawo msika wamsika chaka chino, simuyenera kusankha zachitetezo chovuta kwambiri. Osati pachabe, muyenera kuti mupange zochitika zingapo zomwe mungadandaule nazo munthawi yochepa. Kuti ndikupatseni lingaliro loyenera la izi, palibe chabwino kuposa kupereka chitsanzo chomwe chidachitika chaka chatha kuzindikira anthu okayikitsa. Gawolo lidachokera ku 4 euros kufika pamlingo wa 0,30 euros. Simuyenera kuchita kubwereza izi.

Chaka chino sizikhala zodabwitsa kwambiri kuti machitidwe amtunduwu m'matangadza ena abwerezedwa. Ndipo chifukwa chake, muyenera kukhala omvetsera kwambiri zizindikiro zofooka m'makampani awa omwe adalembedwa pamisika yazachuma. Kupitilira pazolingalira zake ndipo mwina ngakhale pakuwona kofunikira. Nzosadabwitsa kuti uwu ukhala chaka chodzaza ndi zodabwitsa zazikulu. Ndipo ngakhale padzakhala mwayi wamabizinesi, sizowona kuti padzakhala ngozi zambiri pamsika wamsika, mdziko lonse komanso kunja kwa malire athu.

Mulimonsemo, mwachidule, nzeru ziyenera kukhala zomwe zimafotokoza zomwe mumachita mumisika yazachuma. Kumene mosakayikira padzabwera nthawi zambiri zovuta kwa osunga ndalama ang'onoang'ono komanso apakati. Komwe kiyi ikakhala yopanga zolakwika zochepa momwe mungathere ndikuyenera kupewa zochitika zina mumisika yamalonda. Kupatula apo, izi ndi zomwe zikukuyembekezerani m'miyezi ikubwerayi.


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