Ukurhweba kubandakanya isicwangciso esiliqili esisekwe kwintelekelelo kwiimarike zokulingana kwemali ngenjongo yokufumana ingeniso ekuhambeni kwexesha. Kodwa ngokungafaniyo notyalo-mali ngokwesiko, el urhwebo lixesha elifutshane ngakumbi; iiveki, iintsuku, iiyure kunye nemizuzu embalwa kwiseshoni efanayo yokuthengisa. Kwiprofayile yomtyalomali echazwe kakuhle kwaye ngabo bantu bazama ukwenza imisebenzi yabo ibe nenzuzo ngexesha elifutshane kakhulu.
Ukurhweba, ngamafutshane, kuvumela abasebenzisi ukuba bacacise iinjongo zabo kwiimarike zemali. Oko kukuthi, into eqondakalayo kuye wonke umntu njengokuthenga okuphantsi kunye nokuthengisa okuphezulu, ukuze babenako ukufumana inzuzo enkulu efunwa kakhulu. Ngale ndlela, ayinakulityalwa ukuba urhwebo kwimarike yemasheya, ngaphandle kwamathandabuzo, sisicwangciso esidinga ukufundwa ngokufanelekileyo ukwenza imisebenzi. Ayiboniswanga kubatyali mali abancinci nabaphakathi abangenalo ulwazi kolu hlobo lotyalo-mali.
Ngelixa kwelinye icala, kufuneka sigxininise ukuba kufuneka sineenkonzo zika umrhwebi ngezemali okanye umlamli esivumela ukuba singene ukuthenga nokuthengisa ii-odolo kwintengiso. Ukuba kunokwenzeka ngezona khomishini kunye nenkcitho kulawulo nakulondolozo lwayo. Ngokukodwa, ukuba siza kwenza ezi ntlobo zemisebenzi kwimarike yemasheya rhoqo rhoqo ngonyaka. Ukongeza, ukuba nemali eyaneleyo yokujongana nolu hlobo lwemisebenzi kuba kufuneka sixhaswe yingxowa yokonga ekufuneka sinayo kwiakhawunti yethu yokonga.
Ukurhweba: uyisebenzisa nini?
Kuzo naziphi na iimeko, oku kusebenza kuthintelwe ngokubhekisele kwisithuba ngexesha kuyabonakala kuba sinokukuqhuba ukukhangela izikhundla zokurhweba ezijolise ngakumbi kwixesha elifutshane. Ngaphakathi kwezenzo ze Imarike eqhubekayo Ukusuka apho siza kubanakho ukwenza ukuba utyalomali lweemali ezinkulu luzuze ngokukhula okufutshane kunakwamanye amacebo otyalo-mali. Ngokusisiseko ngesitokhwe esineemeko ezilungileyo zokuvula izikhundla ezide okanye abathengi. Ukusuka kule ndawo yokujonga, siza kukunika ezinye iinkampani ezidwelisiweyo ukuba zikhethe ezokhuseleko.
Asinakulibala ukuba imisebenzi yokurhweba akukho lula ukuyifaka kwaye ifuna ubuchwephesha obubalulekileyo bokuqhuba ukunyuka okuphezulu. Le yimisebenzi enokuba yinzuzo kakhulu xa kukho umahluko omkhulu phakathi kwamaxabiso aphezulu kunye neyona mincinci yezokhuseleko ekhethwe ngabatyali mali abancinci nabaphakathi. Oko kukuthi, xa kukho ukwahluka okungaphezulu kwe-5% okanye i-7% kwaye oko kuvumela ubhetyebhetye obukhulu kwiintshukumo ezenziwayo.
Amaxabiso afanelekileyo
Omnye umbuzo ekufuneka uzibuze wona ukusukela ngoku ngamaxabiso ekufuneka wenze kuwo urhwebo. Kuba, enyanisweni, ayizizo zonke ezibuthathaka ekusebenzeni nayo kwaye iya kuxhomekeka kwiimpawu zazo nganye. Kule meko ngokubanzi, kuya kuba kubaluleke kakhulu ukuba ubabonwe ukuze ukwazi ukuphumeza nasiphi na isicwangciso-mali sotyalo-mali. Kwindawo yokuqala, kufuneka babonelele ngokungahambelani ngokuhambelana namaxabiso abo ukuze ube nohambo olwaneleyo ukwenza ukuba ikapitali ityale inzuzo. Ngale ndlela, amaxabiso asekondari alungile ngakumbi ekwenzeni imisebenzi enjalo. Njengokuguquguquka okuphezulu kwaye umzekelo Iichips eziluhlaza kwamashishini ezabelo zamazwe
Enye into ekufuneka unike ingqalelo kuyo ukusukela ngoku yile inxibelelene nenyani yokuba ungakhange ujonge amaxabiso ngozinzo olukhulu kumaxabiso abo. Phi awuyi kuba nemida ukuze ukwazi ukugcina imali kwaye banokudala ngaphezulu kwesinye seengxaki zakho ukusukela ngoku. Ngelixa ngokuchaseneyo, amaxabiso azinzileyo ngokungqinelana nezi mpawu ngokungathandabuzekiyo zikuvumela ukuba wenze le misebenzi ngesiqinisekiso esikhulu sempumelelo. Ukuza kuthi ga kwinqanaba lokuba ufumane umdla onomdla kakhulu kwingxelo yakho yengeniso.
Idityaniswe nohlalutyo lobuchwephesha
Nangona ufuna ukwazi ukuba yintoni urhwebo, akukho nto ingcono kunokucinezela ukuba sisifundo sentengiso ngohlalutyo lobuchwephesha kunye nohlalutyo olusisiseko lokutyala imali kwizixhobo ezahlukeneyo zezemali kunye Injongo yokwenza inzuzo. Kwaye isebenza njengesicwangciso sotyalo-mali sokwenza i-asethi yobuqu okanye yosapho ibe nenzuzo, ukusuka kwindlela eyahlukileyo nangaphezulu kwayo yonke indlela enoburharha kwaye kufanelekile kuphela kwiprofayili yomtyalomali echazwe kakuhle. Apho ekupheleni kosuku kumalunga nokufumana ezona zibonelelo ziphezulu kwelona xesha lifutshane.
Kwelinye icala, kufanele ukuba kuqatshelwe ukuba ezi ntlobo zemisebenzi aziqhagamshelelwanga kuphela kwimarike yemasheya, kodwa nakwezinye iiasethi zemali. Njengomzekelo, kwimeko ekuthiwa kukurhweba ngemali, eyimakethi esezingeni lomhlaba kuzo zonke iimali ezithengiswa kwihlabathi liphela. Le ntengiso yeyona inkulu kwaye ininzi elulwelo emhlabeni, kunye nevolumu yemihla ngemihla yokusebenza edlula i-5 trillion yeedola. Oko kukuthi, ngaphezulu kwaleyo yokusebenza ikhuthazwe kwiimarike zesitokhwe. Kwaye apho umngcipheko uphezulu kakhulu. Njengenye indlela onayo esandleni sakho yokwenza imali yakho izuze kwezi zihlandlo zichanekileyo.
Inketho entsha kutyalo-mali
Akunakulityalwa ukuba imeko yezoqoqosho inyanzelise abanye ukuba bazame ukwenza imali yabo ukuba ibe nenzuzo ngendlela enoburharha. Kodwa ngaphandle kwamathandabuzo kukho umngcipheko omkhulu kunakwimisebenzi yesiko yokuthenga nokuthengisa izabelo kwimarike yemasheya. Kuba nakuphi na ukubala okungachanekanga kunokukuxabisa kakhulu ngohlobo lokukhubazeka okuqatha, nokuba yeyiphi na iasethi eyimali ekhethwe ngabatyali mali abancinci nabaphakathi. Ngomgangatho ophezulu wokuphakama kunakwimisebenzi eqhelekileyo kwiimarike ze-equity.
Kule meko ngokubanzi, ingcebiso yokuqala isekwe ekubeni ulumke ngakumbi kunangaphambili kwaye ulinganise okanye uhlalutye iasethi yezemali apho uza kutyala imali yakho. Kananjalo nokungabeli isixa esikhulu semali yokuhlawula amatyala ukwenza olu hlobo lomsebenzi kwicandelo lezorhwebo. Phi ukungazinzi kunokuba mandundu kwinxalenye elungileyo yamaxesha. Ke ngoko, ayisiyomveliso eyenzelwe zonke iiprofayili zotyalomali. Ukuba akunjalo, ngokuchaseneyo, kwabona banoburhalarhume kubo bonke kwaye bafuna inzuzo ekhawulezileyo ngokufumana ezinye izinto ezigcinakalayo ezivela kulo naluphi na uhlobo lwesicwangciso-mali. Apho kukho intetho edumileyo phakathi kwabathengisi ethi: "ngaphandle kwemali akukho mali kwaye ngaphandle kotyalo-mali akukho kurhweba." Kukuyithathela ingqalelo ukusukela ngoku ukuya phambili ukuba ekugqibeleni uhendwa lolu hlobo lwemisebenzi ekhethekileyo enje.
Urhwebo lwexesha elizayo
Kwakhona imisebenzi yorhwebo inokwenziwa ngekamva kunye nomngcipheko ophezulu ekusebenzeni. Ngale ndlela, i I-MEFF inenjongo yokungenisa izivumelwano kuninzi lwezokhuseleko ezibhalwe kwiMakethe yeSizwe eQhubekayo. Okwangoku, phantse zonke ezo zinto zibandakanyiwe kwisalathiso esikhethiweyo sezabelo zaseSpain zidityanisiwe. Nangona unokufumana ikhontrakthi kwikamva kunye neenketho kubume obubanzi beenkampani ezidweliswe kwiifayile eziphambili zaseYurophu.
Ngale ndlela, umtyali-mali unethuba lokuba angabheja kuluhlu olude lwamaxabiso ongezwe kule minyaka imbalwa idlulileyo. Zimalunga iinkampani eziqinileyo, Ngobunzima obomeleleyo obuthile kwii-indices zazo kwaye zinomthamo omkhulu wokugaya abantu. Ngokuchasene noko, iinkampani ezincinci zokwenza imali azikho kolu luhlu njengoko zingazifezekisi iimfuno eziyimfuneko zokudwelisa kule marike yemali. Nokuba yeyiphi na, lolunye ukhetho onalo okwangoku lokuphuhlisa olu hlobo lwemisebenzi enoburharha ngenxa yomngcipheko obandakanyekayo.
Iiyure zokuvula kwiimarike
Iiyure zentengiso kunye nomhla wokugqibela wokufumana iiodolo zeseshoni enye zixhomekeke kubukho beseshoni ngaloo mini kwintengiso ekubhekiswa kuyo. Ngaphandle koko, ii-odolo ziya kuqhutywa kwiseshoni elandelayo. Kodwa uncedo olukhulu ekusebenzeni kunye neemarike zaseYurophu - ngokungafaniyo neemarike zaseMelika nezaseAsia- kukuba baneeyure ezifanayo zokuvula nokuvala njengeSpanish. Kuphela ngamaPhuthukezi ane-lag yeyure enye ngokubhekisele kwezethu. Ukongeza, bobabini banonxibelelwano oluzenzekelayo kwaye banekhalenda yokurhweba ngokufana naleyo isetyenziswa kutshintshiselwano lwesitokhwe saseSpain, esingathethi kuthi kutshintsho kwimikhwa yokuqhuba kunye nokuthengisa izabelo.
Kuya kufuneka ukhumbule ukuba ukufika kokudodobala kwezoqoqosho kuya kwenza urhwebo kwimarike yemasheya lube nzima ngakumbi ukusukela ngoku. Apho kuphela abo basemngciphekweni abaza kuphumelela kwicandelo lemali.